CN111292072A

CN111292072A - Credit payment system based on value chain and block chain and working method thereof

Info

Publication number: CN111292072A
Application number: CN202010070020.1A
Authority: CN
Inventors: 石玉峰; 俞少平
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-01-21
Filing date: 2020-01-21
Publication date: 2020-06-16
Anticipated expiration: 2040-01-21
Also published as: CN111292072B

Abstract

The invention relates to a credit receipt and payment system based on a value chain and a block chain and a working method thereof, wherein the credit receipt and payment system comprises a purchase contract recording and authentication system, a purchase delivery recording and completion authentication system, an electronic bill splitting control computer system and a block chain system; the invention forms a settlement system which pays credit in advance by a buyer, but controls a seller to obtain financial cash by relying on the receiving information of the buyer. The acceptance bill way of the invention pays in advance, on the premise of not increasing the expense and expenditure of the buyer A at any source, on one hand, the material fee can be paid by credit currency in advance for all the sellers Bi in the supply chain, the occupation of the mobile fund of the sellers Bi by the actual material fee is reduced, and the financial expense generated by external borrowing required by the material fee is reduced, on the other hand, even if the mobile fund is required, the acceptance bill is pasted for use, only the processing value-added fee is pasted, the pasted amount is reduced, and the paid financial expense is less.

Description

Credit payment system based on value chain and block chain and working method thereof

Technical Field

The invention relates to a credit receipt and payment system based on a value chain and a block chain and a working method thereof, belonging to the technical field of finance and internet.

Background

The traditional material purchasing settlement mode mainly comprises payment after arrival or payment after a certain time, and the mode leads to that before the final payment of a buyer, an enterprise seller of an upstream supply value chain needs to pay the material funds required to be processed in advance, on one hand, the mobile funds of a production enterprise are occupied, and the mobile funds are easy to cause deficiency so as to increase the financial cost of the enterprise; on the other hand, if the buyer cannot pay, the loss of the direct supplier in the settlement mode is relatively large. In addition, even if some material purchasing pays material prepayment in advance, due to the fact that purchasing and payment information of a seller cannot be tracked in time, special payment of the seller cannot be guaranteed, and the risk of delivery of untimely supplied materials exists.

The current electronic bill transaction platform carries out transaction and financing on the basis that issued electronic bills have functions of cash pasting and acceptance payment. The transaction mode is a continuous payment transaction after the material delivery, and traditionally, because the risk of delivery is not generated, an electronic bill is rarely issued in advance for settlement before the material delivery, and the problem of the payment of the material for the seller enterprises supplying the value chain is caused.

The fundamental reasons of the problems are that the delivery credit control and the payment credit guarantee technology are insufficient, two goods and materials transaction parties can only use one hand for money and one hand for goods, so that the material fee is repeatedly paid on the supply value chain, and the material fee repeatedly moves on the supply value chain, so that the mobile fund occupation of enterprises and financial fees such as loan are further caused. The technical defects in the prior art are that effective credit guarantee and supervision in transactions cannot be realized due to limited technical methods of information, internet and credit management modes in the past.

Disclosure of Invention

In view of the disadvantages of the prior art, the present invention provides a credit receipt and payment system based on a value chain and a block chain, which is used for a settlement method for a credit transaction between enterprises on a supply value chain through electronic bills before material delivery and a cash change through credit payment controlled by delivery information, so as to reduce the occupation of seller material fees on flowing funds in the prior material purchase.

The invention also provides a working method of the credit receipt and payment system based on the value chain and the block chain.

Interpretation of terms:

1. the block chain credit registration refers to recording transaction content registration among the parties in a distributed recording system of a block chain, and proving information such as the parties, transaction content and time when the transaction occurs by using the distributed recording of the block chain.

2. The credit payment relay type split refers to that transaction information exchange and notification are carried out between transaction parties which are related to each other and only limited to be directly related to each other in a payment process transmitted on a supply value chain based on electronic credit money or electronic payment certificates can be decomposed.

3. The credit payment continuous splitting refers to that the electronic payment voucher is uniformly split by taking the mother ticket M0 as the first factor in the process of transmitting payment on a supply value chain based on electronic credit money or can be decomposed, and all related transaction parties pay for the unified application to the mother ticket M0 and know the transaction information.

Summary of the invention:

a credit receipt and payment system based on value chain and block chain is composed of contract record and authentication system, delivery record and certification system, electronic bill splitting control computer system and block chain system.

The working method of the credit receipt and payment system based on the value chain and the block chain comprises the following steps:

(1) the buyer A and the seller B sign a purchase contract, purchase goods and materials W0, the purchase contract is authenticated in the purchase contract recording and authentication system in an electronic information authentication mode, and block chain credit registration is carried out on the purchase contract in the block chain system;

(2) the buyer A pays in advance a deferred payment electronic acceptance draft (mother ticket) M0 with a delivery condition-restricted cash-on to the seller B, and the mother ticket M0 is blockchain credit registered in the blockchain system;

(3) the seller B endorses the mother ticket M0 to a financial institution C which pays funds, records the mother ticket M0 into the electronic ticket splitting control computer system, and performs blockchain credit registration in the blockchain system for endorsement actions of the seller B and the financial institution C and recording actions of the mother ticket M0 into the electronic ticket splitting control computer system;

(4) converting the mother ticket M0 into an electronic credit currency or decomposing an electronic payment certificate M1 in the electronic ticket splitting control computer system, wherein the seller B changes the identity into the buyer B according to the purchase and sale of goods, the buyer B formulates a purchase contract requirement according to the purchase goods Wi required for producing goods W0, the credit payment certificate Mi decomposed by the M1 is delivered to the seller manufacturer Bi of the buyer B in an acceptance manner, and other manufacturers related to the M1 pay sequentially the material fee among the purchase and sale manufacturers on the supply chain in such a manner, and the purchase, sale manufacturers and the financial institution three parties register in the purchase contract recording and authentication system, the electronic ticket splitting control computer system and the blockchain system respectively every time the purchase and sale relationship occurs;

(5) when the adjacent upstream and downstream buying and selling manufacturers supply materials, after the purchasing delivery record of the buying manufacturer and the completion of the authentication system or the purchasing contract record of the buying manufacturer and the purchasing delivery completion confirmation of the authentication system, the buying and selling manufacturers register credit in the blockchain system, the selling manufacturer holds the credit payment certificate Mi, converts the credit payment certificate Mi into a cashable acceptance bill in the electronic bill splitting control computer system according to the limited condition requirement of the mother bill M0, and applies for the prompting payment of cashing or due acceptance to a financial institution C which pays funds.

The working method of the credit receipt and payment system based on the value chain and the block chain realizes the payment of credit by the mother ticket, pays the material fee among manufacturers of the supply chain in advance in a credit mode, and reduces the occupation of the mobile fund by the material fee; the credit payment after arrival is changed into the variable payment legal currency, so that the arrival payment is realized, and the benefit of a buyer is guaranteed; because the occupation of the mobile funds of the seller is reduced, the support time of the mobile funds of the seller is prolonged, the actual payment time of the buyer can be prolonged for a certain time, and the fund turnover time of the buyer is increased; meanwhile, once the payment of the mother ticket fails, most manufacturers only bear the loss of material processing cost, and the loss risk is shared by a supply value chain.

The technical scheme of the invention is as follows:

a credit receipt and payment system based on a value chain and a block chain comprises a purchase contract recording and authentication system, a purchase delivery recording and completion authentication system, an electronic bill splitting control computer system and a block chain system;

the procurement contract recording and authentication system is used for: the electronic contract and the digital signature system generated by the management information system of the buyer and the seller of the material purchase, or the authenticable electronic document. Six basic functions of inputting electronic records of the purchasing contract, confirming the electronic signature of the purchasing contract, encrypting the data of the purchasing contract, formatting interface data of the block chain system of the purchasing contract, formatting interface data of the electronic bill splitting control computer system of the purchasing contract and sending the data of the purchasing contract are realized.

The procurement delivery record and completion authentication system is for: the goods delivery electronic record, delivery completion and digital signature system generated by the management information system of the goods purchase buyer and seller, or the certifiable electronic document. Six basic functions of inputting electronic records for purchase and delivery, confirming electronic signature for purchase and delivery, encrypting data for purchase and delivery, formatting data for interface of block chain system for purchase and delivery, formatting data for interface of computer system for splitting electronic bill for purchase and delivery and transmitting data for purchase and delivery are realized.

The electronic bill splitting control computer system is used for: a computer system for splitting and charting the electronic acceptance draft and controlling acceptance. The method realizes ten basic functions of user registration, contract and delivery transaction record, legal currency guarantee credit currency payment, credit currency split payment, legal currency settlement application and settlement, data transmission safety and data validity verification, block chain system interface registration and inquiry.

The blockchain system is to: and a block chain credit recording and authentication system for the three items of information used for credit. Providing transaction or information registration and distributed accounting, providing authorization-based querying and authentication, and providing evidence of transactions and information required by law, basic functions of blockchain credit registration.

The credit payment based on the value chain and the block chain of the invention forms a settlement system which uses the buyer to pay credit in advance by four related systems and the business process thereof, but controls the seller to obtain financial cash by relying on the buyer receiving information.

In the working method of the credit receipt and payment system based on the value chain and the block chain, the electronic acceptance draft M0 is used in a limited discount and acceptance type, and the working method comprises the following steps:

(1) the buyer A and the seller B sign a contract of purchasing materials W0, the contract of the purchasing materials W0 is recorded in the purchasing contract recording and authenticating system, the contract of the purchasing materials W0 is formed into an electronic contract H0, the formed electronic contract H0 is calculated through a Hash algorithm to form a verifiable electronic record HD0 for content change of the electronic contract H0, after the buyer A confirms the digital signature of the electronic record HD0, the seller B is sent through the Internet to carry out digital signature to form the electronic record HD1 authenticated by the buyer A and the seller B together, and the purchasing contract recording and authenticating system sends the electronic record HD1 to the block chain system to carry out block chain credit registration;

(2) before the purchase goods W0 arrives, the buyer A issues an electronic acceptance draft M0 to the seller B according to the contract of the purchase goods W0; the use types of the electronic acceptance draft M0 comprise five cashing and acceptance modes, including tracking cashing and acceptance, full-cargo end-point cashing and acceptance, non-full-cargo end-point cashing and acceptance, limited cashing and acceptance and non-periodic limited cashing and acceptance, and the operation mode of the electronic acceptance draft M0 comprises credit payment relay type split (protecting price and supply information) and credit payment continuous type split;

(3) the seller B and the financial institution C capable of bearing loans, Bi which has bought and sold material business with the seller B in the future, are registered and set up credit money accounts on the electronic bill splitting control computer system;

(4) the seller B signs a payment service contract for agency acceptance and decomposition of the electronic acceptance draft M0 with the financial institution C according to the holding of the electronic acceptance draft M0, the seller B endorses the electronic acceptance draft M0 to the financial institution C, and the endorsement behavior of the payment service contract between the seller B and the financial institution C performs block chain credit registration in the block chain system;

(5) the financial institution C decomposes the amount of the electronic acceptance draft M0 into an equivalent amount of credit or a dividable electronic credit in the electronic bill splitting control computer system in the form of an amount guarantee such as a legal money fund, etc., in accordance with the amount of the electronic acceptance draft M0 (the financial institution C deposits the electronic acceptance draft M0 in a bank account designated by the electronic bill splitting control computer system, and the electronic bill splitting control computer system issues the equivalent credit or the dividable electronic credit), changes the balance of the account of the seller B, and the credit or the credit payment bill includes the usage type and acceptance information of the electronic acceptance draft M0, and block chain credit registration information for the transaction occurrence;

(6) the seller B follows the type of use and manner of operation of the electronic acceptance draft M0, according to the demands of purchasing materials W1, W2 and … … Wi … … Wn by self, other sellers B1, B2 and … … Bi … … Bn are purchased, and signing a purchasing contract, wherein the purchasing contract of the seller B is input into the purchasing contract recording and authenticating system to form an electronic contract Hi, the formed electronic contract Hi is calculated by a Hash algorithm to form an electronic contract content change verifiable electronic record HDi, after the seller B confirms the digital signature of the electronic record HDi, sending the seller Bi through the Internet for digital signature to form an electronic record Hdi commonly authenticated by the seller B and the seller Bi, the purchasing contract recording and authentication system sends the electronic record HDi to the block chain system for block chain credit registration;

(7) before the purchase material Wi arrives, the seller B according to the electronic contract Hi and the type requirement of the electronic acceptance draft M0, paying a credit settlement bill Mi to the registered account of the seller Bi through the electronic bill splitting control computer system, the credit settlement ticket Mi includes the usage type and acceptance information of the electronic acceptance draft M0, blockchain registration information, after the seller Bi receives the credit payment bill Mi of the seller B, the electronic bill splitting control computer system will change the balance of the credit currency or credit settlement bill M0 of the seller B's account and the balance of the credit settlement bill Mi of the seller Bi's account according to the transaction, the electronic ticket splitting control computer system performs blockchain credit registration of the transaction and the change of the transaction with the blockchain system;

(8) the seller Bi continues to repeat the steps (6) to (7) according to the material purchasing requirement of the seller, and the obtained credit settlement bill is split and transmitted until the material purchasing is not needed;

(9) according to the buyer and the seller in the steps, initiating blockchain credit registration to the blockchain system through the purchase delivery record and completion authentication system according to the delivery transaction record, and when the transaction record contains delivery completion information or payment requirement information, the purchase delivery record and completion authentication system sends a transaction completion state instruction to the credit settlement bill Mi corresponding to the seller account number of the electronic bill splitting control computer system;

(10) the electronic bill splitting control computer system changes the withdrawal state of the credit settlement bill Mi according to the type requirement and the transaction completion state of the credit settlement bill Mi corresponding to the seller account;

(11) the seller Bi applies for cashing or acceptance due to the payment to the financial institution C through the electronic bill splitting control computer system according to the withdrawal state of the credit settlement bill Mi;

(12) the financial institution C rechecks the state of the credit settlement bill Mi through the electronic bill splitting control computer system according to the Bi withdrawal requirement of the seller enterprise, if the state of the credit settlement bill Mi does not accord with the withdrawal requirement, refusing, and if not, entering the step (13);

(13) the financial institution C inquires and verifies the electronic record HDi of the seller Bi and the completion state of the delivery transaction record of the seller Bi through the blockchain system, if the electronic record HDi of the seller Bi does not meet the requirement of cash withdrawal, the electronic record HDi is rejected, otherwise, the financial institution C pays the legal currency to the seller Bi through the bank system or a third-party bank system, meanwhile, the electronic bill splitting control computer system performs debt processing on the credit settlement bill Mi of the registered account of the seller Bi, and simultaneously performs blockchain credit registration on the blockchain system on the payment legal currency transactions of both parties;

and (5) repeatedly executing the steps (9) to (13) until the transaction settlement based on the buyer A purchase goods W0 is finished.

Preferably, according to the invention, in the method of operation, the electronic acceptance draft M0 is of the type of use of tracking cash-on-demand and acceptance in the form of adjacent single-tier control, the buyer a endorses the electronic acceptance draft M0 to be paid to the seller B directly to the financial institution C, which deposits the equivalent credit or electronic acceptance draft M0 into the account of the buyer a via the electronic bill separation control computer system; the buyer a purchases material W0 and purchases material collection of material W1, W2 … … Wn for the seller B adjacent to the buyer a, because of producing the material W0, and the payment control of goods transaction occurs with the enterprise collection formed by the third-party sellers B1, B2, … … Bi … … Bn providing the material collection, including the following steps:

a. the seller B records and authenticates the other payer associated information of the payment mode in the purchasing contract record and authentication system, the other payer associated information of the payment mode comprises a payer information code and a payment mode code for the buyer A, and the other payer associated information and the authentication of the contract of the material set are subjected to block chain credit registration in the block chain system;

b. the buyer A obtains the payment request notice of the seller Bi through the electronic bill splitting control computer system, and directly pays the credit currency or the credit settlement bill Mi respectively, and the method comprises the following steps:

the buyer A inquires a plurality of contract registrations for purchasing the purchase material set signed by the seller B and the enterprise set through the blockchain system, and data checking is carried out; or inquiring data of the product scheduling goods W1, W2 and … … Wn for purchasing the goods W0 by the buyer A and the seller B through the interconnection function of the production plan scheduling software (belonging to the own software of the seller Bi) of the seller B, performing data check, if the conditions are not met, carrying out self-negotiation solution or refusal payment by the buyer A and the seller B, and if no disagreement exists, informing direct payment according to the payment request of the seller Bi;

after any third-party seller Bi in the enterprise set finishes supplying goods, updating the state of the credit currency or the credit settlement bill Mi of the third-party seller Bi through the account of the electronic bill splitting control computer system, or informing the account of the buyer A through the account of the electronic bill splitting control computer system, and updating the state of the credit currency or the credit settlement bill Mi of the third-party seller Bi through the account of the buyer A;

finally, when the enterprise collection delivery is completed with the material W0, the buyer A pays the credit currency of the buyer A in the account of the electronic bill splitting control computer system or the balance of the credit settlement bill M0 to the account of the seller B in a cash-in and acceptance state.

Preferably, according to the invention, in the method of operation, the electronic acceptance draft M0 is of the type of use of tracking cash and acceptance in the form of full supply chain transfer control, the buyer a endorses the electronic acceptance draft M0 to be paid to seller B directly to the financial institution C, which deposits the peer credit or electronic acceptance draft M0 into the buyer a's account via the electronic bill separation control computer system; buyer a purchases material collection of material W0 and material W1 and material W2 … … Wi … … Wn for seller B adjacent thereto, the seller B purchases material collection of material W1 and material W2 … … Wn due to production of the material W0, the seller B performs payment control of goods transaction with enterprise collection formed by third-party sellers B1, B2 and … … Bi … … Bn providing the material W1 and material W2 … … Wi … … Wn, third-party seller Bi performs payment control of goods transaction with enterprise collection formed by third-party sellers B purchasing material Wi 1 and material Wi 2 … … wi.i … … Wi n due to production of the material Wi, and third-party seller Bi performs payment control of goods transaction with enterprise collection formed by bi.1 and bi.2 … … bi.i … … Bi n providing the material collection wi.1 and material wi.2 … ….i … … wi.n, i 2 … … n includes the following steps:

c. a plurality of contracts for purchasing the purchase material set, which are signed by the enterprise sets Bi.1 and Bi.2 … … Bi.i … … Bi.n directly connected with the supply chain of the third party seller Bi, are recorded in the purchase contract recording and authentication system and authenticated through the other payment party associated information of the payment mode, wherein the other payment party associated information of the payment mode comprises a payment party information code and a payment mode code for the buyer A, and the other payment party associated information and the authentication of the contracts of the material set are subjected to block chain credit registration in the block chain system;

d. the third party seller Bi sends the contract content of the third party seller Bi in tracking purchase and the occurring credit payment request information to the buyer A through the purchase contract recording and authentication system or informs the account of the buyer A through the electronic bill splitting control computer system account;

e. the buyer A obtains the payment request notice of the seller Bi through the electronic bill splitting control computer system, and directly pays the credit currency or the credit settlement bill Mi, which comprises the following steps:

the buyer A inquires a plurality of contract registrations for purchasing the procurement material set signed by the enterprise set directly connected with the third party seller Bi and the supply chain thereof through the blockchain system, and performs data check; or inquiring data of the product scheduling goods materials W1, W2 and … … Wn for the buyer A and the third party seller Bi to purchase the goods materials W0 through the interconnection function of the production plan scheduling software of the third party seller Bi, performing data check, if the conditions are not met, the buyer A and the seller B negotiate by themselves to solve or refuse payment, and if no disagreement exists, directly paying according to the payment request notice of the third party seller Bi;

when delivery occurs and the buyer A does not complete the purchase material W0 transaction, updating the credit currency or credit settlement bill Mi status of the third party seller Bi through the electronic bill splitting control computer system account, or informing the buyer A's account through the electronic bill splitting control computer system account, updating the credit currency or credit settlement bill Mi status of the third party seller Bi through the buyer A's account;

when the buyer A completes the purchase goods W0 transaction, the buyer A pays the credit currency of the buyer A in the account of the electronic bill splitting control computer system or the balance of the credit settlement bill M0 to the account of the seller B in a cash-out and acceptance state.

Preferably, in the working method, the electronic acceptance draft M0 is used in a full-end cashing and acceptance mode, and comprises the following steps:

before the buyer A receives the purchased goods and materials W0, the seller Bi continues to repeat the steps (6) to (7) according to the own needs of purchasing the goods and materials, the obtained credit settlement bill is split and transferred, and only the split M0 is used for credit payment transfer and distribution to the third party seller Bi in the supply chain of B1 and B2 … … Bn until the goods and materials do not need to be purchased;

after the buyer a finishes the transaction of the procured materials M0, the electronic bill splitting control computer system changes the settlement state of the credit currency or the credit settlement bill obtained by all the sellers Bi in the supply chain uniformly, and then the buyer a pays the cash or accepts the cash due.

Preferably, in the working method, the electronic acceptance draft M0 is used in a non-full-order-destination-type cashing and acceptance, and comprises the following steps:

after the buyer A finishes the transaction of the part of the purchased materials M0, uniformly changing the state of the equal proportion settlement amount of the transaction finishing amount proportion to the credit currency or the credit settlement bill obtained by all the seller enterprises Bi on the supply chain through the electronic bill splitting control computer system according to the transaction finishing amount proportion of the buyer A.

According to the present invention, in the working method, the usage type of the electronic acceptance draft M0 is non-periodic limited discount and acceptance, and is a certain preset settlement period discount and acceptance form using the actual time and the actual amount of the buyer a receiving the procurement supplies W0 as a settlement control time point, the buyer a signs a long-term purchase contract with the seller Bi, the credit currency or the credit settlement bill of the buyer a to the seller Bi has no specific acceptance time, and the acceptance time and the amount are defined as the temporary amount and the time calculated by the buyer a receiving the amount of the procurement supplies W0 as the certain preset settlement period and the amount.

The method comprises the following steps:

the seller Bi continues to repeat the steps (6) to (7) according to the self material purchasing requirement, the obtained credit settlement bill is split and transmitted, and the sum of the sum is only used as the sum of split M0 to transmit and distribute credit payment to the third party seller Bi of the B1 and B2 … … Bn supply chain until the material purchasing is not needed;

and after the buyer A finishes the transaction of the part of the purchased materials M0, uniformly changing the state of the equal-proportion settlement amount of the transaction finishing amount proportion of the credit currency or the credit settlement bill obtained by all the seller enterprises Bi on the supply chain through the electronic bill splitting control computer system according to the transaction finishing amount proportion of the buyer A.

The invention has the beneficial effects that:

1. if the business amount of the product of the manufacturing enterprise is regarded as three parts of material cost, processing value-added cost and profit, the acceptance bill way of paying in advance can adopt credit currency to pay material cost in advance for all supply chain seller enterprises Bi on the one hand, on the premise of not increasing the cost and expenditure of any source enterprise A, so that the occupation of actual material cost on the mobile fund of the seller enterprises Bi is reduced, and the financial cost generated by external borrowing required by the material cost is reduced, on the other hand, even if the mobile fund is required, the acceptance bill is used only by paying the processing value-added cost, the amount of the payment is reduced, and the financial cost of the payment is less.

2. Due to the development of market economy, a plurality of enterprises have already formed stable supply chains, long-term inter-enterprise cooperation is realized, stable credit is established, a certain credit basis is provided for paying procurement funds in advance, technical control of material delivery and credit currency transaction is increased, a payment mechanism for accepting settlement in advance by buyers and sellers is realized, a large amount of material cost occupation of the sellers and the buyers and the enterprises can be released, delayed payment time can be continued by the buyers and the sellers, the fund occupation can be reduced by the buyers and the sellers, and the enterprise development of the enterprises is promoted.

3. The invention takes delivery as a control point, adopts credit currency for payment before delivery, does not occupy actual legal money funds, and ensures the money receiving safety of a seller enterprise required by goods and materials production. The buyer enterprise funds and delivery are secured in a cash-until-delivery manner based on bank and enterprise credit. The credit and reliability of the supervised transaction is centralized by blockchain.

Drawings

FIG. 1 is a schematic diagram of the construction of a purchase contract recording and authentication system and a purchase delivery recording and completion authentication system according to the present invention;

FIG. 2 is a schematic structural diagram of an electronic bill splitting control computer system according to the present invention;

FIG. 3 is a block chain system according to the present invention;

FIG. 4 is a schematic diagram of the connection relationship of the credit receipt and payment system based on the value chain and the block chain according to the present invention;

FIG. 5 is a schematic diagram of the delivery settlement cash withdrawal flow in the method of operation of the credit receipt and payment system based on the value chain and block chain of the present invention;

FIG. 6 is a schematic diagram illustrating a credit currency splitting pre-settlement process in the working method of the credit receipt and payment system based on the value chain and the block chain according to the present invention;

FIG. 7 is a schematic diagram of the process of initiating terminal tracking splitting pre-settlement in the working method of credit receipt and payment system based on value chain and block chain according to the present invention;

1. the system comprises a purchasing contract recording and authentication system, 2, a purchasing delivery recording and completion authentication system, 3, an electronic bill splitting control computer system, 4 and a block chain system.

Detailed Description

The invention is further defined in the following, but not limited to, the figures and examples in the description.

Example 1

A credit receipt and payment system based on a value chain and a block chain is shown in figure 4 and comprises a purchase contract recording and authentication system 1, a purchase delivery recording and completion authentication system 2, an electronic bill splitting control computer system 3 and a block chain system 4;

the procurement contract recording and authentication system 1 is used for: the electronic contract and the digital signature system generated by the management information system of the buyer and the seller of the material purchase, or the authenticable electronic document. Six basic functions of inputting electronic records of the purchasing contract, confirming the electronic signature of the purchasing contract, encrypting the data of the purchasing contract, formatting interface data of a block chain system 4 of the purchasing contract, formatting interface data of an electronic bill splitting control computer system 3 of the purchasing contract and sending the data of the purchasing contract are realized.

The purchasing contract recording and authentication system 1 is installed on a computer or a mobile phone of a user, the purchasing contract input electronic recording function is realized by the own computer function of the user, and the electronic signature technology and the data format for the purchasing contract electronic signature confirmation conform to the approval and acceptance of the electronic bill splitting control computer system 3 and can be a third-party system; the functions of formatting interface data of a block chain system 4 for purchasing contract, formatting interface data of an electronic bill splitting control computer system 3 for purchasing contract and sending the purchasing contract data are that an encryption algorithm, an encryption program and an interface program are provided by the electronic bill splitting control computer system 3, and a carrier of the encryption program and the interface program can be an encryption U disk or can be installed on a computer or a mobile phone of a user.

The procurement delivery record and completion authentication system 2 is used to: the goods delivery electronic record, delivery completion and digital signature system generated by the management information system of the goods purchase buyer and seller, or the certifiable electronic document. Six basic functions of inputting electronic records for purchasing and delivery, confirming electronic signature for purchasing and delivery, encrypting data for purchasing and delivery, formatting interface data of the block chain system 4 for purchasing and delivery, formatting interface data of the electronic bill splitting control computer system 3 for purchasing and delivery, and transmitting data for purchasing and delivery are realized.

The purchase delivery record and completion authentication system 2 is installed on a computer or a mobile phone of a user, and the purchase delivery record electronic record function is realized by the own computer function of the user; the electronic signature technology and data format for purchasing and delivery electronic signature confirmation should accord with the approval and acceptance of the electronic bill splitting control computer system 3, and can be a third party system; the data of purchase delivery is encrypted, the data of purchase delivery is formatted to the interface of the blockchain system 4, the data of purchase delivery is formatted at the interface of the electronic bill splitting control computer system 3, and the data of purchase delivery is transmitted, the electronic bill splitting control computer system 3 provides an encryption algorithm, an encryption program and an interface program, and the carrier of the encryption program and the interface program can be an encryption U disk or a computer or a mobile phone installed on a user.

The schematic structure of the purchase contract recording and authentication system 1 and the purchase delivery recording and completion authentication system 2 is shown in fig. 1.

The electronic bill splitting control computer system 3 is used for: a computer system for splitting and charting the electronic acceptance draft and controlling acceptance. User registration, contract and delivery transaction records, legal currency guarantee credit currency payment, credit currency split payment, legal currency settlement application and settlement, data transmission safety and data validity check, and interface registration and inquiry of a block chain system 4 are realized;

the electronic bill splitting control computer system 3 comprises a software part and a hardware part, wherein the software part comprises a server-side application program, a database, a computer operating system, a client-side application program, a computer operating system or a mobile phone APP, and the hardware part comprises a computer server, a computer, a mobile phone and a communication network which are operated by programs and ten basic functions.

The user logs in the electronic bill splitting control computer system 3 through a computer or a mobile phone to carry out registration application, the electronic bill splitting control computer system 3 carries out verification and verification according to registration information submitted by the user, opens a user account of a corresponding type according to the user type after confirming that the real identity of the user is legal, establishes a user credit currency and a transaction record account, and establishes a acceptance guarantee and the transaction record account for a financial institution C which pays funds; for the data submitted to the electronic bill splitting control computer system 3 by the registered user through the purchase contract record and authentication system 1 and the purchase delivery record and completion authentication system 2, the electronic bill splitting control computer system 3 carries out decryption, verification and check on the data recorded by the block chain system 4, after the records are legal, the electronic bill splitting control computer system 3 carries out the transaction record registration and the credit record update of the account through the legal currency guarantee credit currency payment function, the transaction record function and the credit currency splitting payment function, and the credit record comprises the credit currency of the registered user, the credit settlement bill and the account amount, the transfer payment credit account amount, the receipt of the credit account amount, and the transfer payment credit account amount to the account of other party is controlled according to the request of the obtained credit settlement bill for the payment user; for the financial institution C which pays the funds by the registered user, the guarantee legal currency funds need to be withdrawn, the credit currency acceptance service is carried out by the legal currency guarantee credit currency payment function of the electronic bill splitting control computer system 3, and the fund acceptance withdrawal management is carried out; the registered user applies for the legal currency settlement, the registered user submits the application of the legal currency settlement through the own account, the legal currency settlement application carries out the automatic verification of the application data and the payment control requirement of the credit settlement bill through the legal currency application and settlement function of the electronic bill splitting control computer system 3, after the legal currency settlement application is legal, the payment application is automatically proposed, and the related transaction parties carry out the third-party financial legal currency settlement and carry out the block chain credit registration and the transaction data updating of the electronic bill splitting control computer system 3. The schematic structure of the electronic bill splitting control computer system 3 is shown in fig. 2.

The blockchain system 4 is used to: a blockchain credit recording and authentication system for the first three items of information for credit. Providing transaction or information registration and distributed accounting, providing authorization-based querying and authentication, and providing evidence of transactions and information required by law, basic functions of blockchain credit registration. The connection diagram of the blockchain system 4 is shown in fig. 3.

Example 2

The working method of the credit receipt and payment system based on the value chain and the block chain in the embodiment 1, wherein the electronic acceptance draft M0 is the limited discount and acceptance in the use type, and the working method comprises the following steps:

(1) the buyer A and the seller B sign a contract of purchasing materials W0, the contract of purchasing materials W0 is recorded in a purchasing contract recording and authenticating system 1, the contract of purchasing materials W0 is recorded to form an electronic contract H0, the formed electronic contract H0 is calculated through a hash algorithm to form a verifiable electronic record HD0 for content change of the electronic contract H0, after the buyer A confirms the digital signature of the electronic record HD0, the buyer A sends the seller B through the Internet to carry out the digital signature, the electronic record HD1 jointly authenticated by the buyer A and the seller B is formed, and the purchasing contract recording and authenticating system 1 sends the electronic record HD1 to a block chain system 4 to carry out block chain credit registration;

(2) before purchasing goods and materials W0 arrives, buyer A issues an electronic acceptance draft M0 to seller B according to the contract of purchasing goods and materials W0; the electronic acceptance draft M0 has five application modes, including tracking type application and acceptance, full-cargo terminal application and acceptance, non-full-cargo terminal application and acceptance, limited application and acceptance, non-regular limited application and acceptance, and the electronic acceptance draft M0 has credit payment relay type separation (to protect price and supply information) and credit payment continuous type separation;

(3) the seller B and the financial institution C which can undertake loan, Bi which has business of buying and selling goods and materials with the seller B in the future are registered and opened with a credit money account on the electronic bill splitting control computer system 3;

(4) the seller B signs a payment service contract of an agency acceptance and decomposition electronic acceptance draft M0 with the financial institution C according to the held electronic acceptance draft M0, the seller B endorses the electronic acceptance draft M0 to the financial institution C, and the endorsement behavior of the payment service contract between the seller B and the financial institution C performs block chain credit registration in the block chain system 4;

(5) the financial institution C decomposes the amount of the electronic acceptance draft M0 into the equivalent amount of credit money or the detachable electronic credit bill in the electronic bill splitting control computer system 3 in the form of the amount guarantee such as the self legal money fund (the financial institution C deposits the amount of the electronic acceptance draft M0 in the bank account designated by the electronic bill splitting control computer system 3, and the electronic bill splitting control computer system 3 issues the equivalent credit money or the detachable electronic credit bill), and fig. 6 is a schematic diagram of the credit money splitting pre-settlement flow in the working method of the credit receipt and payment system based on the value chain and the block chain according to the present invention; changing the balance of the seller's B account, the credit currency or credit payment instrument including the usage type and acceptance information of the electronic acceptance draft M0, blockchain credit registration information of the transaction occurrence;

(6) the seller B purchases from other sellers B1, B2 and … … Bi … … Bn according to the use type and operation mode of the electronic acceptance draft M0 according to the purchase materials W1, W2 and … … Wi … … Wn of the seller B and signs a purchase contract, the contract is recorded in the purchase contract recording and authenticating system 1, the purchase contract of the seller B forms an electronic contract Hi, the formed electronic contract Hi forms an electronic contract content change verifiable electronic record HDi through hash algorithm calculation, after the digital signature of the electronic record HDi is confirmed by the seller B, the seller Bi is sent through the Internet to carry out digital signature, an electronic record Hdi jointly authenticated by the seller B and the seller Bi is formed, and the contract recording and authenticating system 1 sends the electronic record HDi to the block chain system 4 to carry out block chain credit registration;

(7) before purchasing goods and materials Wi, a seller B pays a credit settlement bill Mi to a registered account of the seller Bi through an electronic bill splitting control computer system 3 according to an electronic contract Hi and the type requirement of an electronic acceptance bill M0, wherein the credit settlement bill Mi comprises the use type, acceptance information and block chain registration information of the electronic acceptance bill M0, after the seller Bi receives the credit payment bill Mi of the seller B, the electronic bill splitting control computer system 3 changes the credit currency or the balance of the credit settlement bill M0 of the account of the seller B and the balance of the credit settlement bill Mi of the account of the seller Bi according to the transaction, and the electronic bill splitting control computer system 3 conducts block chain credit registration on the transaction and the change of the transaction to a block chain system 4;

(9) according to the buyer and the seller in the above steps, initiating the blockchain credit registration to the blockchain system 4 through the purchase delivery record and completion authentication system 2 according to the delivery transaction record, and when the transaction record contains delivery completion information or payment requirement information, the purchase delivery record and completion authentication system 2 sends a transaction completion status instruction to the credit settlement bill Mi corresponding to the seller account number of the electronic bill splitting control computer system 3;

(10) the electronic bill splitting control computer system 3 changes the withdrawal state of the credit settlement bill Mi according to the type requirement and the transaction completion state of the credit settlement bill Mi corresponding to the seller account;

(11) the seller Bi applies for cashing or acceptance due to the payment to the financial institution C through the electronic bill splitting control computer system 3 according to the cashing state of the credit settlement bill Mi;

(12) the financial institution C rechecks the state of the credit settlement bill Mi through the electronic bill splitting control computer system 3 according to the cash withdrawal requirement of the seller enterprise Bi, if the state of the credit settlement bill Mi does not accord with the cash withdrawal requirement, refusing, otherwise, entering the step (13);

(13) the financial institution C inquires and verifies the electronic record HDi of the seller Bi and the completion state of the delivery transaction record of the seller Bi through the block chain system 4, if the completion state does not meet the requirement of cash withdrawal, the completion state is rejected, otherwise, the financial institution C pays legal currency to the seller Bi through the own bank system or a third-party bank system, meanwhile, the financial institution C performs debt processing on the credit settlement bill Mi of the registered account of the seller Bi through the electronic bill splitting control computer system 3, and simultaneously performs block chain credit registration on the block chain system 4 on the payment legal currency transactions of both parties; the steps (9) to (13) are repeatedly performed until the settlement of the transaction based on the buyer a's procurement material W0 is finished. The schematic diagram of the delivery settlement cash withdrawal flow is shown in fig. 5.

Example 3

The working method of the credit receipt and payment system based on the value chain and the block chain in embodiment 2 is shown in fig. 7, where the schematic diagram of the initiating terminal tracking splitting pre-settlement process is different in that:

in the working method, the electronic acceptance draft M0 is of the use type of tracking cash register and acceptance in the form of adjacent single-layer control, the buyer A directly endorses the electronic acceptance draft M0 to be paid to the seller B to the financial institution C, and the financial institution C deposits the equivalent credit money or electronic acceptance draft M0 into the account of the buyer A through the electronic draft splitting control computer system 3; the buyer A purchases material W0 to purchase material collection of material W1, W2 … … Wn for producing material W0 for seller Bi adjacent to the buyer A, and payment control of goods transaction occurs with enterprise collection formed by third-party sellers B1, B2, … … Bi … … Bn providing material collection, including the following steps:

a. the seller B records and authenticates the other paying party associated information of the payment mode in the purchasing contract recording and authentication system 1, the other paying party associated information of the payment mode comprises a paying party information code and a payment mode code for the buyer A, and the other paying party associated information and the authentication of the contract of the material collection are subjected to block chain credit registration in a block chain system 4;

b. the buyer A obtains the payment request notice of the seller Bi through the electronic bill splitting control computer system 3, and directly pays the credit currency or the credit settlement bill Mi respectively, which comprises the following steps:

the buyer A inquires about the contract registration of a plurality of procurement material sets signed by the seller B and the enterprise set through the blockchain system 4, and performs data check; or inquiring data of the arranged procurement supplies W1, W2 and … … Wn of the procurement supplies W0 of the buyer A and the seller B through the interconnection function of the production plan arranged software of the seller B, carrying out data check, if the conditions are not met, carrying out self negotiation solution or refusal payment between the buyer A and the seller B, and if no disagreement exists, informing direct payment according to the payment request of the seller B;

after any third-party seller Bi in the enterprise set finishes supplying goods, updating the state of the credit currency or the credit settlement bill Mi of the third-party seller Bi through the account of the electronic bill splitting control computer system 3, or informing the account of the buyer A through the account of the electronic bill splitting control computer system 3, and updating the state of the credit currency or the credit settlement bill Mi of the third-party seller Bi through the account of the buyer A;

finally, when the enterprise is delivered to complete the goods W0, the buyer A pays the credit money of the account of the electronic bill separating control computer system 3 or the balance of the credit settlement bill M0 of the buyer A to the account of the seller B in a cash-out and acceptance state.

Example 4

The working method of the credit receipt and payment system based on the value chain and the block chain in the embodiment 2 is characterized in that:

in the working method, the electronic acceptance draft M0 is of the use type of tracking cash register and acceptance in the form of full supply chain transfer control, the buyer A directly endorses the electronic acceptance draft M0 to be paid to the seller B to the financial institution C, and the financial institution C deposits the equivalent credit or electronic acceptance draft M0 into the account of the buyer A through the electronic draft splitting control computer system 3; buyer a purchases material collection W0 and purchases material collection W1, W2 … … Wi … … Wn for seller B adjacent to it by producing material W0, seller B performs payment control of goods transaction with enterprise collection formed by third seller B1, B2, W2 … … Wi … … Wn, which provides material collection W1, W2 … … Wi 1, B2, … … Bi … … Bn, third seller Bi performs payment control of goods transaction with enterprise collection formed by seller B adjacent to it by producing material Wi, wi.1, wi.2 … … wi.i … … wi.n, third seller Bi performs payment control of goods transaction with enterprise collection formed by seller bi.1, bi.2 … … wi.i … … wi.n, bi.2 … … bi.i … … bi.n, i is 1,2 … … n, including the following steps:

c. the third party seller Bi directly connects with the enterprise sets Bi.1, Bi.2 … … Bi.i … … Bi.n which are directly connected with the supply chain, the contracts of a plurality of procurement material sets are recorded and authenticated in the procurement contract recording and authentication system 1, the other paying party associated information of the payment mode comprises a paying party information code and a payment mode code for the buyer A, and the other paying party associated information of the contracts of the material sets and the authentication are subjected to block chain credit registration in the block chain system 4;

d. the third party seller Bi sends the contract content of the third party seller Bi in tracking purchase and the generated credit payment request information to the buyer A through the purchase contract recording and authentication system 1, or informs the account of the buyer A through the account of the electronic bill splitting control computer system 3;

e. the buyer A obtains the payment request notice of the seller Bi through the electronic bill splitting control computer system 3, and directly pays the credit currency or the credit settlement bill Mi, which comprises the following steps:

the buyer A inquires about the contract registration of a plurality of procurement material sets signed by the third party seller Bi and an enterprise set directly connected with the supply chain thereof through the blockchain system 4, and performs data check; or inquiring data of the arranged procurement materials W1, W2 and … … Wn of the procurement materials W0 of the buyer A and the third party seller Bi through the interconnection function of the production plan arranged software of the third party seller Bi, carrying out data check, if the conditions are not met, carrying out negotiation solution or refusal payment by the buyer A and the seller B, and if no disagreement exists, informing direct payment according to the payment request of the third party seller Bi;

when delivery occurs and the buyer A does not finish the purchase goods W0 transaction, updating the credit currency or credit settlement bill Mi status of the third party seller Bi through the account of the electronic bill splitting control computer system 3, or informing the account of the buyer A through the account of the electronic bill splitting control computer system 3, updating the credit currency or credit settlement bill Mi status of the third party seller Bi through the account of the buyer A;

when the buyer a completes the purchase of the material W0 transaction, the buyer a pays the credit money of the buyer a in the account of the electronic bill splitting control computer system 3 or the balance of the credit settlement bill M0 to the account of the seller B in a cash-in and acceptance state.

Example 5

in the working method, the usage type of the electronic acceptance draft M0 is full-end cash pasting and acceptance, and the method comprises the following steps:

before the buyer A receives the purchased material W0, the seller Bi continues to repeat the steps (6) to (7) according to the own material purchasing requirement, the obtained credit settlement bill is split and transmitted, and the credit settlement bill is only used for splitting the M0 to transmit and distribute credit payment to the third party seller Bi in the supply chain of B1 and B2 … … Bn until the material purchasing is not needed;

after the buyer a finishes the transaction of the procured materials M0, the settlement state of the credit currency or the credit settlement bill obtained by all sellers Bi in the supply chain is changed uniformly by the electronic bill splitting control computer system 3, and the buyer a is used for cashing or acceptance due.

Example 6

in the working method, the usage type of the electronic acceptance draft M0 is non-full-end-point cash registering and acceptance, and the method comprises the following steps:

after the buyer a completes the transaction of the part of the purchased materials M0, the state of the equal proportion settlement amount of the transaction completion amount proportion is changed uniformly for the credit money or the credit settlement bills obtained by all the seller enterprises Bi on the supply chain through the electronic bill splitting control computer system 3 according to the transaction completion amount proportion of the buyer a.

Example 7

in the working method, the usage type of the electronic acceptance draft M0 is non-regular limit type chargeback and acceptance, the electronic acceptance draft is a certain preset settlement period chargeback and acceptance form taking the actual time and the actual quantity of the buyer A receiving the purchased goods W0 as the settlement control time point, the buyer A signs a long-term purchase contract with the seller Bi, the credit currency or the credit settlement bill of the buyer A to the seller Bi has no specific acceptance time, and the acceptance time and the amount are defined as the temporary amount and the time calculated by the quantity of the buyer A receiving the purchased goods W0 as certain preset settlement period and settlement amount. The method comprises the following steps:

the seller Bi continues to repeat the steps (6) to (7) according to the self material purchasing requirement, the obtained credit settlement bill is split and transmitted, and the sum only used as the sum of the split M0 is transmitted and distributed to the credit payment of the third party seller Bi in the supply chain of B1 and B2 … … Bn until the material purchasing is not needed;

after the buyer a completes partial transaction of the purchased materials M0, the electronic bill splitting control computer system 3 uniformly changes the state of the equal proportion settlement amount of the transaction completion amount proportion to the credit money or the credit settlement bills obtained by all the seller enterprises Bi on the supply chain according to the transaction completion amount proportion of the buyer a.

Claims

1. A credit receipt and payment system based on a value chain and a block chain is characterized by comprising a purchase contract recording and authentication system, a purchase delivery recording and completion authentication system, an electronic bill splitting control computer system and a block chain system;

the procurement contract recording and authentication system is used for: the method comprises the steps of realizing electronic record input of a purchase contract, electronic signature confirmation of the purchase contract, data encryption of the purchase contract, data formatting of the interface of a block chain system of the purchase contract, data formatting of the interface of an electronic bill splitting control computer system of the purchase contract or sending the data of the purchase contract;

the procurement delivery record and completion authentication system is for: realizing the input of electronic record of purchase and delivery, the confirmation of electronic signature of purchase and delivery, the encryption of data of purchase and delivery, the formatting of data of purchase and delivery to the interface of the blockchain system, the formatting of data of purchase and delivery to the interface of the electronic bill splitting control computer system or the sending of data of purchase and delivery;

the electronic bill splitting control computer system is used for: enabling user registration, contract and delivery transaction records, legal currency guaranty credit currency payments, credit currency split payments, legal currency settlement applications and checkouts, data transfer security and data legitimacy checks, or the blockchain system interface registration and queries;

the blockchain system is to: providing transaction or information registration and distributed accounting, providing authorization-based querying and authentication, and providing evidence of transactions and information required by law;

through a credit receipt payment system based on a value chain and a blockchain, a buyer and a seller perform credit statement before the commodity transaction in the blockchain system through the purchasing contract recording and authentication system, a production value chain source head buyer pays an electronic acceptance draft to the seller before the commodity delivery and pays the credit guarantee statement as legal currency in the blockchain system, converting the payment electronic acceptance draft to an equal amount of credit currency with credit payment but no cash-out function through a third-party financial institution, transmitting the credit currency required for decomposing and paying the purchase material on a production value chain by the electronic bill splitting control computer system and the purchase contract recording and authenticating system, and controlling the credit currency without the cash change function of the electronic bill splitting control computer system to realize the cash change legal currency by using the purchase delivery record and the delivery information of the completion authentication system.

2. The method of claim 1, wherein the electronic acceptance draft M0 is a restricted type of use draft and acceptance, comprising the steps of:

(2) before the purchase goods W0 arrives, the buyer A issues an electronic acceptance draft M0 to the seller B according to the contract of the purchase goods W0;

(5) the financial institution C decomposes the amount of the electronic acceptance draft M0 into an equivalent amount of credit or a dividable electronic credit slip including the usage type and acceptance information of the electronic acceptance draft M0 and blockchain credit registration information of the transaction occurrence progress in the electronic ticket separation control computer system in the form of an amount guarantee such as a legal money fund and the like, and changes the balance of the account of the seller B;

3. The method of claim 2, wherein the electronic acceptance draft M0 is of the type of usage tracking cashing and acceptance in the form of adjacent single-tier control, the buyer a endorses the electronic acceptance draft M0 to be paid to seller B directly to the financial institution C, and the financial institution C deposits the equivalent credit or electronic acceptance draft M0 to the buyer a's account through the electronic bill separation control computer system; the buyer a purchases material W0 to purchase material collection of materials W1, W2 … … Wn by the seller Bi adjacent thereto due to producing the material W0, and the payment control of goods transaction occurs with the enterprise collection formed by the third-party sellers B1, B2, … … Bi … … Bn providing the material collection, including the following steps:

the buyer A inquires a plurality of contract registrations for purchasing the purchase material set signed by the seller B and the enterprise set through the blockchain system, and data checking is carried out; or inquiring data of the arranged and purchased goods and materials W1, W2 and … … Wn of the goods and materials W0 purchased by the buyer A and the seller B through the interconnection function of the production plan arranged software of the seller B, performing data check, if the conditions are not met, the buyer A and the seller B negotiate for resolution or refusal payment by themselves, and if the conditions are not met, notifying direct payment according to the payment request of the seller Bi;

4. The method of claim 2, wherein the electronic acceptance draft M0 is of the type of usage tracking cashing and acceptance in the form of full supply chain transfer control, the buyer A directly endorses the electronic acceptance draft M0 to be paid to seller B to the financial institution C, and the financial institution C deposits the equivalent credit or electronic acceptance draft M0 into the buyer A's account through the electronic draft splitting control computer system; buyer a purchases material collection of material W0 and material W1 and material W2 … … Wi … … Wn for seller B adjacent thereto, the seller B purchases material collection of material W1 and material W2 … … Wn due to production of the material W0, the seller B performs payment control of goods transaction with enterprise collection formed by third-party sellers B1, B2 and … … Bi … … Bn providing the material W1 and material W2 … … Wi … … Wn, third-party seller Bi performs payment control of goods transaction with enterprise collection formed by third-party sellers B purchasing material Wi 1 and material Wi 2 … … wi.i … … Wi n due to production of the material Wi, and third-party seller Bi performs payment control of goods transaction with enterprise collection formed by bi.1 and bi.2 … … bi.i … … Bi n providing the material collection wi.1 and material wi.2 … ….i … … wi.n, i 2 … … n includes the following steps:

5. The method of claim 2, wherein the electronic acceptance draft M0 is of the type of full-end discount and acceptance, comprising the steps of:

6. The method of claim 2, wherein the electronic acceptance draft M0 is of a type of non-full-end-of-sale discount and acceptance, comprising the steps of:

7. The method of claim 2, wherein the electronic acceptance draft M0 is of a non-periodic limited type of discount and acceptance, and is a preset settlement period discount and acceptance form in which the actual time and amount of the buyer a receiving the purchase material W0 are the settlement control time point, the buyer a signs a long-term purchase contract with the seller Bi, the credit currency or credit settlement bill of the buyer a to the seller Bi has no specific acceptance time, the acceptance time and amount are defined as the temporary amount and time calculated for the amount of the buyer a receiving the purchase material W0 are the preset settlement period and settlement amount, and the method comprises the following steps: