CN111292072B

CN111292072B - Credit receiving and paying system based on value chain and block chain and working method thereof

Info

Publication number: CN111292072B
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: 2024-01-26
Anticipated expiration: 2040-01-21
Also published as: CN111292072A

Abstract

The invention relates to a credit receiving and paying system based on a value chain and a blockchain and a working method thereof, comprising a purchasing contract recording and authenticating system, a purchasing delivery recording and completion authenticating system, an electronic bill splitting control computer system and a blockchain system; the invention forms a settlement system which pays by the advance credit of the buyer, but controls the seller to obtain the financial cash by the receiving information of the buyer. On the premise of not increasing the cost and expense of any source buyer A, on one hand, the bill of exchange of the invention can pay the material cost by credit currency in advance for all supply chain sellers Bi, reduces the occupation of the actual material cost on the mobile funds of sellers Bi and reduces the financial cost generated by the external borrowing required by the material cost, and on the other hand, even if the mobile funds are required, the bill of exchange of the invention only needs to be posted for the processing value-added cost, and the posting amount is reduced and the financial cost paid is less.

Description

Credit receiving and paying system based on value chain and block chain and working method thereof

Technical Field

The invention relates to a credit receiving and paying system based on a value chain and a blockchain and a working method thereof, belonging to the technical fields of finance and Internet.

Background

The traditional material purchase settlement mode mainly comprises the steps of paying after goods arrive or a certain time after goods arrive, wherein the mode leads to that before the final buyer pays, the enterprise sellers of the upstream supply value chain pay the material funds required to be processed in advance, so that on one hand, the mobile funds of the production enterprises are occupied, and the mobile funds are easily insufficient to increase the financial cost of the enterprises; on the other hand, if the buyer cannot pay, this will result in a relatively large loss of direct suppliers in this manner of settlement. In addition, even if some goods and materials are purchased and paid for advance, the purchasing and payment information of the seller cannot be tracked in time, special payment of the seller cannot be guaranteed, and the same risk of delivery occurs that goods and materials are not supplied in time.

The current electronic bill transaction platform carries out transaction and financing on the basis that the issued electronic bill has the functions of labeling and accepting payment. This way of transaction is a continued payment transaction after the delivery of the goods and materials, which conventionally is a problem of the price of the materials paid by the seller's enterprises in the supply value chain, because there is no risk of delivery, and the electronic bill is rarely issued in advance for settlement before the delivery of the goods and materials.

The root cause of the problems is that the delivery credit control and payment credit guarantee technology is insufficient, and the two material transaction parties can only pay money with one hand and pay with the other hand, so that the material fees are repeatedly paid on the supply value chain, and the material fees on the supply value chain are repeatedly moved, so that the mobile funds of enterprises are occupied, and further financial fees such as loans are generated. The technical defect existing in the prior art is that effective credit guarantee and supervision in transactions cannot be realized due to the limited technical methods of informatization, internet and credit management modes in the past.

Disclosure of Invention

Aiming at the defects of the prior art, the invention aims to provide a credit receiving and paying system based on a value chain and a blockchain, which is used for credit transaction of electronic bills among enterprises on a supply value chain before material delivery and a settlement mode for realizing the change of credit payment controlled by delivery information, so as to reduce the occupation of seller material cost to flow funds in the prior material purchase.

The invention also provides a working method of the credit receiving and paying system based on the value chain and the blockchain.

Term interpretation:

1. blockchain credit registration refers to recording transaction content registration between the parties in a blockchain distributed recording system, and proving the information of the parties and transaction content, time and the like of the transaction by the distributed recording of the blockchain.

2. Credit payment relay type splitting refers to exchanging transaction information and information between transaction parties which are related to each other and are only limited to be directly related to each other in the process of transmitting payment on a supply value chain based on electronic credit currency or capable of decomposing electronic payment certificates.

3. The continuous splitting of credit payment refers to unified splitting by taking the master ticket M0 as a first part in the process of transmitting payment on a supply value chain based on electronic credit currency or capable of decomposing electronic payment certificates, and payment among all related transaction parties applies for the master ticket M0 and knows about transaction information.

Summary of the invention:

a credit receiving and paying system based on a value chain and a blockchain comprises a purchasing contract recording and authenticating system, a purchasing delivery recording and completion authenticating system, an electronic bill splitting control computer system and a blockchain system.

The working method of the credit receiving and paying 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, authenticate the purchase contract in the purchase contract recording and authentication system in an electronic information authentication mode, and register the purchase contract in the blockchain system by blockchain credit;

(2) The buyer A pays a delayed payment electronic acceptance draft, namely a mother ticket M0, which is subject to delivery condition limitation in advance to the seller B, and the mother ticket M0 is subjected to blockchain credit registration in the blockchain system;

(3) The seller B endorses the mother ticket M0 to a financial institution C for paying funds, records the mother ticket M0 into the electronic bill splitting control computer system, and performs blockchain credit registration on endorsement behaviors of the seller B and the financial institution C in the blockchain system and record behaviors of the mother ticket M0 into the electronic bill 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 bill splitting control computer system, converting the identity of the seller B into the buyer B according to the commodity buying and selling, making a purchasing contract requirement according to the requirement of purchasing the commodity Wi when the commodity W0 is produced, paying the credit payment certificate Mi decomposed by the M1 to the seller producer Bi of the buyer B in a receiving manner, sequentially paying the material cost between buying and selling producers on a supply chain by other producers related to M1 payment in the manner, and registering buying and selling producers and financial institution three parties in the purchasing contract recording and authenticating system, the electronic bill splitting control computer system and the blockchain system respectively each time of buying and selling relationships;

(5) When material supply occurs to adjacent upstream and downstream buying and selling manufacturers, after the purchasing delivery records of the buyer manufacturers and the purchasing delivery completion confirmation of the authentication system or the purchasing contract records and the authentication system, credit registration is carried out by the buying and selling manufacturers in the blockchain system, the seller manufacturers hold credit payment credentials Mi in the electronic bill splitting control computer system and are converted into cash-on-hand bill according to the limited condition requirement of the master bill M0, and cash is applied for cash-on-hand or prompt due cash-on-hand to a cash-on-hand financial institution C.

The working method of the credit receiving and paying system based on the value chain and the blockchain realizes that the credit is paid by the mother ticket, the material fees among the supply chain manufacturers are paid in advance by the credit mode, and the occupation of flowing funds by the material fees is reduced; the credit payment after the goods are paid into the money of the payment legal which can be changed, so that the goods are paid, and the benefit of the purchasing party is ensured; because the mobile fund occupation of the seller is reduced, the supporting time of the mobile fund of the seller is prolonged, the actual payment time of the buyer can be prolonged by a certain time, and the fund turnover time of the buyer is increased; and once the payment of the mother ticket fails, most manufacturers only bear the loss of the material processing fee, and the loss risk is shared by the supply value chain.

The technical scheme of the invention is as follows:

a credit receiving and paying system based on a value chain and a blockchain comprises a purchasing contract recording and authenticating system, a purchasing delivery recording and finishing authenticating system, an electronic bill splitting control computer system and a blockchain system;

the purchase contract recording and authentication system is used for: an electronic contract and digital signature system generated by management information systems of material purchasing buyers and sellers or an authenticatable electronic file. The system has six basic functions of inputting electronic records of purchase contracts, confirming electronic signatures of the purchase contracts, encrypting the data of the purchase contracts, formatting the data of the purchase contracts at the interface of the block chain system, formatting the data of the purchase contracts at the interface of the electronic bill splitting control computer system, and transmitting the data of the purchase contracts.

The purchase delivery record and completion authentication system is configured to: the electronic record of the delivery of the goods, the completion of the delivery and the digital signature system or the authenticatable electronic file are generated by the management information systems of the goods purchase buyer and the seller. The system has six basic functions of inputting electronic records of purchase delivery, confirming electronic signatures of purchase delivery, encrypting purchase delivery data, formatting the interface data of the block chain system for purchase delivery, formatting the interface data of the electronic bill splitting control computer system for purchase delivery, and transmitting the purchase delivery data.

The electronic bill splitting control computer system is used for: and a computer system for splitting, attaching and controlling the electronic acceptance draft. The system has 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 checkout, data transmission security and data validity check, and the blockchain system interface registration and inquiry.

The blockchain system is used for: a blockchain credit recording and authentication system for the three aforementioned items of information for credit. Providing transaction or information registration and distributed billing, providing authorization-based querying and authentication, and providing legal requirements for transaction and information evidence, the basic functionality of blockchain credit registration.

The invention forms a credit payment system in advance by a buyer based on the credit receipt and payment of a value chain and a blockchain by four associated systems and business processes thereof, but controls a settlement system of a seller to obtain financial cash by means of the receiving information of the buyer.

In the working method of the credit receiving and paying system based on the value chain and the blockchain, the usage type of the electronic acceptance draft M0 is limited to be posted and accepted, and the working method comprises the following steps:

(1) A buyer A and a seller B sign a contract of a purchase material W0, the contract of the purchase material W0 is recorded into a contract formation electronic contract H0 of the purchase material W0 in the purchase contract recording and authentication system, the formed electronic contract H0 is calculated through a hash algorithm to form an electronic record HD0 capable of verifying the content change of the electronic contract H0, after the digital signature of the electronic record HD0 is confirmed by the buyer A, the seller B is sent to carry out digital signature through the Internet to form an electronic record HD1 authenticated by the buyer A and the seller B together, and the purchase contract recording and authentication system sends the electronic record HD1 to the blockchain system for blockchain credit registration;

(2) Before the purchase material W0 arrives, the buyer A opens an electronic acceptance draft M0 to the seller B according to the contract of the purchase material W0; the use types of the electronic acceptance draft M0 comprise five types of discount and acceptance modes, including tracking discount and acceptance, full goods end discount and acceptance, non-full goods end discount and acceptance, limiting discount and acceptance and non-periodic limiting discount and acceptance, and the operation modes of the electronic acceptance draft M0 comprise credit payment relay type splitting (protection price and supply information) and credit payment continuous splitting;

(3) The seller B and the financial institution C capable of carrying loan register and set up a credit currency account on the electronic bill splitting control computer system in the future Bi of the buying and selling material business with the seller B;

(4) The seller B signs a proxy to accept and decompose a payment business contract of the electronic acceptance draft M0 with the financial institution C according to 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 business contract between the seller B and the financial institution C carries out blockchain credit registration in the blockchain system;

(5) The financial institution C breaks down the amount of the electronic acceptance bill M0 into credit currency of equivalent amount or a detachable electronic credit bill in the electronic bill splitting control computer system in the form of the amount guarantee of legal money funds and the like (the financial institution C deposits the amount of the electronic acceptance bill M0 in a bank account appointed by the electronic bill splitting control computer system, the electronic bill splitting control computer system issues the equivalent credit currency or the detachable electronic credit bill) and changes the balance of the account of the seller B, and the credit currency or the credit payment bill comprises the use type of the electronic acceptance bill M0 and the block chain credit registration information of the acceptance information and transaction occurrence;

(6) The seller B purchases other sellers B1, B2 and … … Bi … … Bn according to the use type and operation mode of the electronic acceptance draft M0, according to the need of purchasing goods and materials W1, W2 and … … Wi … … Wn, and signs a purchasing contract, the purchasing contract of the seller B is entered 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 changing verifiable electronic record HDi, after the seller B confirms the electronic record HDi through digital signature, the seller B sends the Bi through the Internet to carry out digital signature, and forms an electronic record Hdi which is jointly authenticated by the seller B and the seller Bi, and the purchasing contract recording and authenticating system sends the electronic record HDi to the blockchain system to carry out blockchain credit registration;

(7) Before the purchase goods Wi arrives, the seller B pays a credit settlement bill Mi to a registered account of the seller Bi through the electronic bill splitting control computer system according to the type requirements of the electronic contract Hi and the electronic acceptance bill M0, wherein the credit settlement bill Mi comprises the use type and acceptance information of the electronic acceptance bill M0 and blockchain registration information, after the seller Bi receives the credit payment bill Mi of the seller B, the electronic bill splitting control computer system changes the credit currency of an account of the seller B or the balance of the credit settlement bill M0 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 registers blockchain credit to the blockchain system according to the transaction and the change of the transaction;

(8) The seller Bi continuously repeats the steps (6) to (7) according to the demand of purchasing materials, and the obtained credit settlement bill amount is split and transferred until the material purchasing is not needed;

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

(10) The electronic bill splitting control computer system changes the 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 the cash or the cash due to the financial institution C through the electronic bill splitting control computer system according to the cash 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 cash-out requirement of the seller enterprise, if the state of the credit settlement bill Mi does not meet the cash-out requirement, refusing, otherwise, entering the step (13);

(13) The financial institution C inquires and checks the completion status of the electronic record HDi of the seller Bi and the delivery transaction record of the seller Bi through the blockchain system, if the completion status does not meet the requirements for proposing the money, refusing, otherwise, paying legal money to the seller Bi through a banking system or a third party banking system by the financial institution C, and meanwhile, subtracting account processing is carried out on a credit settlement bill Mi of a registered account of the seller Bi through the electronic bill splitting control computer system, and meanwhile, block chain credit registration is carried out on the payment legal money transactions of both parties in the blockchain system;

repeating steps (9) to (13) until the settlement of the transaction based on the purchased goods W0 of the buyer a is ended.

Preferably, in the working method according to the present invention, the usage type of the electronic receipt M0 is tracking type posting and receipt, in the form of adjacent single-layer control, the buyer a directly endorses the electronic receipt M0 to be paid to the seller B to the financial institution C, and the financial institution C stores the peer credit currency or the electronic receipt M0 into the account of the buyer a through the electronic bill splitting control computer system; the payment control of the buyer a purchasing material W0 for the purchasing material set of purchasing materials W1, W2 … … Wn by the seller B adjacent thereto due to the production of the purchasing material W0, and the goods transaction with the enterprise set formed by the third party sellers B1, B2, … … Bi … … Bn providing the purchasing material set, comprises the steps of:

a. The seller B records and authenticates the payment mode of the payment mode related information in the purchasing contract recording and authentication system through a plurality of contracts for purchasing the purchasing material set by the seller B, the payment mode of the payment mode related information comprises a payment mode information code and a payment mode code for the buyer A, and the blockchain credit registration is carried out on the payment mode related information and the authentication of the contract of the material set by the blockchain system;

b. the buyer a obtains a payment request notification of the seller Bi through the electronic bill splitting control computer system, and respectively directly pays the credit currency or the credit settlement bill Mi, including:

the buyer A inquires contract registration of the seller B and the enterprise set for purchasing the purchase material set through the blockchain system, and performs data check; or inquiring data of the production purchase materials W1, W2 and … … Wn of the purchasing materials W0 of the buyer A and the seller B through the interconnection function of the production plan scheduling software (belonging to the self-owned software of the seller Bi) of the seller B, checking the data, if the data are not met, the buyer A negotiates with the seller B to solve or reject the payment by itself, and if no objection exists, notifying direct payment according to the payment request of the seller Bi;

After the goods supply of any one of the third party sellers Bi in the enterprise set is completed, updating the credit currency or credit settlement bill Mi state of the third party sellers Bi through the electronic bill splitting control computer system account, or informing the account of the buyer A through the electronic bill splitting control computer system account, and updating the credit currency or credit settlement bill Mi state of the third party sellers Bi through the account of the buyer A;

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

In the working method, the use type of the electronic acceptance draft M0 is tracking type posting and acceptance, the electronic acceptance draft M0 is in the form of all supply chain transmission control, the buyer A directly endorses the electronic acceptance draft M0 which needs to be paid to the seller B to the financial institution C, and the financial institution C stores the equivalent credit currency or the electronic acceptance draft M0 into the account of the buyer A through the electronic bill splitting control computer system; a payment control for a goods transaction occurring in a set of enterprises formed by a buyer a purchasing a material W0 and a third party B1, B2, … … Bi … … Bn providing a purchasing material set W1, W2 … … Wi … … Wn, a purchasing material set of purchasing a material W1, W2 … … Wi … … Wn by the seller B adjacent thereto for producing the purchasing material W0, a payment control for a goods transaction occurring in a set of enterprises formed by a third party Bi having a cost of providing a purchasing material set wi.1, wi.2 … … wi.i … … wi.n and a cost of providing a purchasing material set wi.1, wi.2 … … wi.i … … wi.n, i=1, 2 … … n for a goods transaction occurring in a set of enterprises formed by bi.2 … … bi.i … … bi.n, comprising the steps of:

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

d. the third party seller Bi sends the contract content and the generated credit payment request information of the third party seller Bi in the process of tracking purchasing to the buyer A through the purchasing contract recording and authenticating system, or notifies the account of the buyer A through the electronic bill splitting control computer system account;

e. the buyer a obtains the payment request notification 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 queries contract registration of a plurality of purchasing material sets, which are signed by the enterprise sets directly connected with the third party seller Bi and the supply chain thereof, through the blockchain system to perform data verification; or inquiring the data of the production purchasing materials W1, W2 and … … Wn of the material W0 purchased by the buyer A and the third party seller Bi through the interconnection function of the production planning and production scheduling software of the third party seller Bi, checking the data, if the conditions are not met, the buyer A and the seller B negotiate to solve or reject the problem by themselves, and if no objection exists, notifying direct payment according to the payment request of the third party seller Bi;

Updating the credit currency or credit settlement ticket Mi status of the third party seller Bi by the electronic ticket splitting control computer system account or notifying the account of the buyer a by the electronic ticket splitting control computer system account when delivery occurs and the buyer a does not complete the purchase goods W0 transaction;

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

In a preferred embodiment of the method according to the present invention, the electronic acceptance draft M0 is used in the form of full-end point posting and acceptance, and includes the steps of:

before the buyer A receives the purchased goods W0, the seller Bi continuously repeats the steps (6) to (7) according to the demand of the purchased goods, the obtained credit settlement bill amount is split and transferred, and the amount which is only used for splitting M0 is transferred and distributed to the third party seller Bi of the B1, B2 … … Bn supply chain until the end of the purchased goods is not needed;

After the buyer A finishes the transaction of the purchased goods and materials M0, the credit currency or the credit settlement bill obtained by all sellers Bi on the supply chain is uniformly changed into a settlement state through the electronic bill splitting control computer system, and the settlement state is posted or subjected to due acceptance.

In a preferred embodiment of the method according to the present invention, the electronic acceptance draft M0 is used in a non-full-end point type of posting and acceptance, and includes the steps of:

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

According to the present invention, preferably, in the working method, the electronic receipt M0 is a type of non-regular limit type posting and receipt, which is a type of a predetermined settlement period posting and receipt taking an actual time and an actual amount of the purchase goods W0 received by the buyer a as a settlement control time point, the buyer a signs a long-term purchase contract with the seller Bi, the credit money or the credit settlement ticket of the buyer a to the seller Bi has no specific receipt time, and the receipt time and amount are defined as a temporary amount and a time calculated by the amount of the purchase goods W0 received by the buyer a as the predetermined settlement period and settlement amount.

The method comprises the following steps:

the seller Bi continuously carries out split transfer on the amount of the credit settlement bill according to the demand of purchasing materials by itself, and repeats the steps (6) to (7), and the amount which is only used as split M0 is transferred and distributed to the third party seller Bi of the B1 and B2 … … Bn supply chain until the material purchasing is not needed;

after the buyer A finishes the partial transaction of the purchase material M0, the electronic bill splitting control computer system is used for splitting the credit currency or the credit settlement bill obtained by all the seller enterprises Bi on the supply chain according to the transaction completion amount proportion of the buyer A, and uniformly changing the state of the equal proportion settlement amount of the transaction completion amount proportion.

The beneficial effects of the invention are as follows:

1. if the sales of the products of manufacturing enterprises are regarded as three parts of material fees, processing value-added fees and profits, the invention pays in advance and accepts the bill form, on the premise of not increasing the fees and expenses of any source enterprise A, on one hand, the credit currency can be adopted to pay the material fees for all supply chain seller enterprises Bi in advance, the occupation of the actual material fees on the mobile funds of the seller enterprises Bi is reduced, and the financial fees generated by the external borrowing required by the material fees are reduced, on the other hand, even if the mobile funds are required, the bill form is accepted and accepted only the processing value-added fees are required to be accepted, the cost is reduced, and the financial fees paid are less.

2. Due to the development of market economy, a plurality of enterprises form a stable supply chain, long-term enterprises cooperate, stable credit is established, a certain credit basis is provided for paying purchase funds in advance, technical control of material delivery and credit currency transaction is increased, a payment mechanism of advance acceptance settlement of buyers and sellers is realized, a large amount of material cost occupation of seller enterprises can be released, and the buyer enterprises can also continue delayed payment time, so that the enterprises of the buyers and sellers can reduce the fund occupation, and the development of the enterprises is promoted.

3. The invention takes delivery as a control point, adopts credit currency to pay before delivery, does not occupy actual legal currency funds, and ensures the collection safety of seller enterprises required by producing materials. Based on the bank and enterprise credit, the buyer enterprise fund safety and delivery safety are ensured in a mode that the goods can be posted only by the time. The credit and reliability of supervising transactions is decentralised by the blockchain.

Drawings

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

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

FIG. 3 is a schematic diagram of a blockchain system of the present invention;

FIG. 4 is a schematic diagram of the connection of a value chain and blockchain based credit payment system of the present invention;

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

FIG. 6 is a schematic diagram of a pre-settlement flow for splitting credit currency in a method of operation of a value chain and blockchain based credit payment system of the present invention;

FIG. 7 is a schematic diagram of a pre-settlement process of initiating end tracking split in the working method of the credit receiving and payment system based on value chains and blockchains of the invention;

1. And the purchasing contract recording and authentication system, the purchasing delivery recording and completion authentication system, the electronic bill splitting control computer system, the block chain system and the purchasing delivery recording and completion authentication system.

Detailed Description

The invention is further defined by, but is not limited to, the following drawings and examples in conjunction with the specification.

Example 1

A credit receiving and paying system based on a value chain and a blockchain is shown in fig. 4, and comprises a purchase contract recording and authenticating system 1, a purchase delivery recording and completion authenticating system 2, an electronic bill splitting control computer system 3 and a blockchain system 4;

the purchase contract recording and authentication system 1 is for: an electronic contract and digital signature system generated by management information systems of material purchasing buyers and sellers or an authenticatable electronic file. The system has six basic functions of inputting electronic records of purchase contracts, confirming electronic signatures of the purchase contracts, encrypting the data of the purchase contracts, formatting the data of the purchase contracts at the interface of the blockchain system 4, formatting the data of the purchase contracts at the interface of the electronic bill splitting control computer system 3, and transmitting the data of the purchase contracts.

The purchasing contract recording and authenticating system 1 is arranged on a computer or a mobile phone of a user, the purchasing contract recording electronic recording function is realized for the own computer function of the user, and the electronic signature technology and the data format of the purchasing contract electronic signature confirmation are in accordance with the acceptance and acceptance of the electronic bill splitting control computer system 3, and can be a third party system; the functions of formatting the interface data of the block chain system 4 for the purchase contract, formatting the interface data of the electronic bill splitting control computer system 3 for the purchase contract and sending the purchase contract data are that 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 and interface program can be an encryption USB flash disk or a computer or a mobile phone installed on a user.

The purchase delivery record and completion authenticating system 2 is for: the electronic record of the delivery of the goods, the completion of the delivery and the digital signature system or the authenticatable electronic file are generated by the management information systems of the goods purchase buyer and the seller. The system has six basic functions of inputting electronic records of purchase delivery, confirming electronic signature of the purchase delivery, encrypting the purchase delivery data, formatting the interface data of a block chain system 4 of the purchase delivery, formatting the interface data of a computer system 3 for splitting and controlling the electronic bill of the purchase delivery, and transmitting the purchase delivery data.

The purchasing delivery record and completion authentication system 2 is arranged on a computer or a mobile phone of a user, and the purchasing delivery recording electronic record function is realized by the own computer function of the user; the electronic signature technology and the data format of the purchase delivery electronic signature confirmation should be in accordance with the acceptance and acceptance of the electronic bill splitting control computer system 3, and can be a third party system; encrypting the purchase delivery data, formatting the interface data of the purchase delivery to the blockchain system 4, formatting the interface data of the purchase delivery at the electronic bill splitting control computer system 3, and providing an encryption algorithm, an encryption program and an interface program by the electronic bill splitting control computer system 3, wherein the carrier of the encryption and interface program can be an encryption USB flash disk or a computer or a mobile phone of a user.

A schematic diagram 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 configured to: and a computer system for splitting, attaching and controlling the electronic acceptance draft. Realizing 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, and blockchain system 4 interface registration and inquiry;

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 for running programs, and ten basic functions.

A 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 the registration information submitted by the user, after the true identity of the user is confirmed to be legal, a user account of a corresponding type is opened according to the user type, user credit currency and transaction record accounts are established, and a underwriting guarantee and transaction record account is established for a financial institution C paying funds; the registered user submits the data to the electronic bill splitting control computer system 3 through the purchasing contract recording and authenticating system 1 and the purchasing delivery recording and completing authenticating system 2, the electronic bill splitting control computer system 3 decrypts, verifies and checks the blockchain system 4 record, after the records are legal, the electronic bill splitting control computer system 3 registers and updates the credit record of the account through the legal currency guaranteeing credit currency payment function, the transaction recording function and the credit splitting payment function, including recording the credit currency of the registered user, the credit settlement bill and the account amount, transferring payment credit accounts, receiving credit accounts, and controlling the obtained credit settlement bill to transfer payment credit accounts to other accounts according to the requirements of the user for payment; the financial institution C for paying funds by registered users needs to withdraw the legal money for guarantee, controls the legal money for guaranteeing the credit money payment function of the computer system 3 through the electronic bill splitting, and carries out the credit money acceptance business, and the acceptance funds withdraw management; the registration user applies legal currency settlement, the registration user submits legal currency settlement application through the account of the registration user, the legal currency settlement application controls legal currency application and checkout function of the computer system 3 through electronic bill splitting, automatic verification of application data and credit settlement bill payment control requirements is carried out, after legal, payment application is automatically put forward, third party financial legal currency settlement and blockchain credit registration are carried out by the two involved transaction parties, and transaction data updating of the electronic bill splitting control computer system 3 is carried out. A schematic structural diagram of the electronic bill splitting control computer system 3 is shown in fig. 2.

The blockchain system 4 is used for: a blockchain credit record and authentication system for credit information of the first three items. Providing transaction or information registration and distributed billing, providing authorization-based querying and authentication, and providing legal requirements for transaction and information evidence, the basic functionality of blockchain credit registration. A schematic diagram of the connection of the blockchain system 4 is shown in fig. 3.

Example 2

The method for operating a credit receiving and paying system based on a value chain and a blockchain according to embodiment 1, in which the usage type of the electronic acceptance draft M0 is a limit type impression and acceptance, includes the following steps:

(1) The buyer A signs a contract of the purchase material W0 with the seller B, the contract of the purchase material W0 is input into a purchase contract recording and authenticating system 1 to form an electronic contract H0, the formed electronic contract H0 is calculated by a hash algorithm to form an electronic record HD0 capable of verifying the content change of the electronic contract H0, the buyer A confirms the digital signature of the electronic record HD0, the seller B is transmitted to carry out the digital signature through the Internet to form an electronic record HD1 authenticated by the buyer A and the seller B together, and the purchase contract recording and authenticating system 1 transmits the electronic record HD1 to a blockchain system 4 to carry out the blockchain credit registration;

(2) Before the purchase material W0 arrives, the buyer A opens an electronic acceptance draft M0 to the seller B according to the contract of the purchase material W0; the use types of the electronic acceptance draft M0 comprise five types of discount and acceptance modes, including tracking discount and acceptance, full goods end discount and acceptance, non-full goods end discount and acceptance, limiting discount and acceptance, non-periodic limiting discount and acceptance, and the operation modes of the electronic acceptance draft M0 comprise credit payment relay type split (protection price and supply information) and credit payment continuous split;

(3) The seller B and the financial institution C capable of taking loans register and open credit currency accounts on the electronic bill splitting control computer system 3 in the future Bi for buying and selling goods and materials with the seller B;

(4) The seller B signs the agency to give up and decompose the payment business contract of the electronic receipt M0 with the financial institution C according to the electronic receipt M0, the seller B endorses the electronic receipt M0 to the financial institution C, and the endorsement behavior of the payment business contract between the seller B and the financial institution C is registered in the blockchain system 4;

(5) In the electronic bill splitting control computer system 3, the financial institution C splits the amount of the electronic receipt M0 into credit currency of an equivalent amount or a splittable electronic credit bill in the form of a credit guarantee with legal money, funds, etc. (the financial institution C deposits the deposit of the amount of the electronic receipt M0 in a bank account designated by the electronic bill splitting control computer system 3, the electronic bill splitting control computer system 3 issues the equivalent credit currency or the splittable electronic credit bill), and FIG. 6 is a schematic diagram of a credit currency splitting pre-settlement flow in the working method of the credit receiving and payment system based on a value chain and a blockchain of the invention; changing the balance of the account of the seller B, wherein the credit currency or the credit payment bill comprises the use type of the electronic acceptance draft M0 and acceptance information, and blockchain credit registration information of transaction occurrence;

(6) According to the using type and operation mode of the electronic acceptance draft M0, the seller B purchases other sellers B1, B2, … … Bi … … Bn according to the own purchase materials W1, W2 and … … Wi … … Wn, and signs a purchase contract, the contract is recorded in the purchase contract recording and authentication system 1, the purchase contract of the seller B is formed into an electronic contract Hi, the formed electronic contract Hi is calculated through 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, the seller Bi is sent through the Internet to carry out digital signature, an electronic record Hdi authenticated by the seller B and the seller Bi together is formed, and the purchase contract recording and authentication system 1 sends the electronic record HDi to the blockchain system 4 for blockchain credit registration;

(7) Before purchasing goods Wi arrives, the 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 the type requirements of the electronic contract Hi and the electronic acceptance bill M0, wherein the credit settlement bill Mi comprises the use type, acceptance information and blockchain 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 of the account of the seller B or the balance of the credit settlement bill M0 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 registers the transaction and the change of the transaction to a blockchain system 4 for blockchain credit;

(9) According to the buyer and the seller in the steps, initiating a blockchain credit registration to the blockchain system 4 through the purchasing 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, sending a transaction completion state instruction to a credit settlement bill Mi corresponding to the seller account number of the electronic bill splitting control computer system 3 by the purchasing delivery record and completion authentication system 2;

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

(11) The seller Bi applies for the cash or the cash due to the financial institution C through the electronic bill splitting control computer system 3 according to the cash 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 Bi rendering requirements of the seller enterprises, if the state of the credit settlement bill Mi does not meet the rendering requirements, rejecting, otherwise, entering the step (13);

(13) The financial institution C inquires and checks the completion state of the electronic record HDi of the seller Bi and the delivery transaction record of the seller Bi through the blockchain system 4, if the completion state does not meet the requirements of the withdrawal, refusing, otherwise, paying legal money to the seller Bi through a banking system or a third party banking system by the financial institution C, and meanwhile, performing account-subtracting processing on a credit settlement bill Mi of a registered account of the seller Bi through an electronic bill splitting control computer system 3, and simultaneously performing blockchain credit registration on the payment legal money transactions of the two parties in the blockchain system 4; and (3) repeating the steps (9) to (13) until the transaction settlement based on the purchased goods W0 of the buyer A is finished. A schematic diagram of the delivery settlement presentation flow is shown in fig. 5.

Example 3

An embodiment 2 of a method for operating a credit receiving and paying system based on a value chain and a blockchain is shown in fig. 7, wherein the initiating end tracking splitting pre-settlement flow is as follows:

in the working method, the use type of the electronic acceptance draft M0 is tracking type posting and acceptance, the form is adjacent single-layer control, the buyer A directly endorses the electronic acceptance draft M0 which needs to be paid to the seller B to a financial institution C, and the financial institution C stores the equivalent credit currency or the electronic acceptance draft M0 into an account of the buyer A through an electronic bill splitting control computer system 3; the payment control of the goods transaction of the buyer A purchasing material W0 to the purchasing material set of the purchasing materials W1, W2 … … Wn of the sellers Bi adjacent to the buyer A purchasing material W0 due to the production of the purchasing material W0 and the enterprise set formed by the third party sellers B1, B2, … … Bi … … Bn providing the purchasing material set comprises the following steps:

a. The seller B and the enterprises set sign a plurality of contracts for purchasing the material sets, and the information and the authentication of the other payors of the payment modes are recorded and authenticated through the purchasing contract recording and authentication system 1, wherein the information of the other payors of the payment modes comprises a payor information code and a payment mode code for the buyer A, and the information and the authentication of the other payors of the contracts of the material sets are subjected to blockchain credit registration in the blockchain system 4;

b. the buyer a obtains the payment request notification of the seller Bi through the electronic bill splitting control computer system 3, and respectively directly pays the credit currency or the credit settlement bill Mi, including:

the buyer A inquires contract registration of a plurality of purchase material sets signed by the seller B and the enterprise set through the blockchain system 4, and performs data check; or inquiring the data of the production and purchase materials W1, W2 and … … Wn of the purchase materials W0 of the buyer A and the seller B through the interconnection function of the production plan production scheduling software of the seller B, checking the data, if the conditions are not met, the buyer A negotiates with the seller B for solution or rejection, and if no objection exists, notifying direct payment according to the payment request of the seller B;

After the goods supply of any one of the third party sellers Bi in the enterprise set is completed, the credit currency or credit settlement bill Mi state of the third party seller Bi is updated through the account of the electronic bill splitting control computer system 3, or the account of the buyer A is notified through the account of the electronic bill splitting control computer system 3, and the credit currency or credit settlement bill Mi state of the third party seller Bi is updated through the account of the buyer A;

finally, when the enterprise gathers and delivers the goods and materials W0, the buyer A pays the balance of the credit currency or the credit settlement bill M0 of the buyer A in the account of the electronic bill splitting control computer system 3 to the account of the seller B in a state of posting and acceptance.

Example 4

The working method of the credit receiving and paying system based on the value chain and the blockchain in the embodiment 2 is characterized in that:

in the working method, the use type of the electronic acceptance draft M0 is tracking type cash registering and acceptance, the form is all supply chain transfer control, the buyer A directly endorses the electronic acceptance draft M0 which needs to be paid to the seller B to a financial institution C, and the financial institution C stores the equivalent credit currency or the electronic acceptance draft M0 into an account of the buyer A through an electronic bill splitting control computer system 3; the payment control of the goods transaction is carried out by the buyer a purchasing material W0 on the purchasing material set of the purchasing material W1, W2 … … Wi … … Wn of the adjacent seller B due to the production of the purchasing material W0, the payment control of the goods transaction is carried out by the seller B on the enterprise set of the third party seller B1, B2, … … Bi … … Bn providing the purchasing material set W1, W2 … … Wi … … Wn, the payment control of the goods transaction is carried out by the third party Bi on the purchasing material set of the purchasing material wi.1, wi.2 … … wi.i … … wi.n of the adjacent seller B due to the production of the purchasing material Wi, and the payment control of the goods transaction is carried out by the enterprise set of the third party Bi and the seller bi.1, bi.2 … … bi.i … … bi.n providing the purchasing material set wi.1, wi.2 … … wi.i … … wi.n, i=1, 2 … … n, comprising the steps as follows:

c. The third party seller Bi is directly connected with the supply chain of the third party seller Bi.1, bi.2 … … Bi.i … … Bi.n, contracts of a plurality of purchase material sets are signed, and through the record of purchase contract and the record and authentication of the other payment party associated information of the payment mode in the authentication system 1, the other payment party associated information of the payment mode comprises a payment party information code and a payment mode code of a buyer A, and the other payment party associated information and the authentication of the contract of the material set are subjected to block chain credit registration in the block chain system 4;

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

e. the buyer a obtains the payment request notification of the seller Bi through the electronic bill splitting control computer system 3, directly pays the credit currency or the credit settlement bill Mi, including:

the buyer A inquires contract registration of a plurality of purchased material sets signed by the enterprise set directly connected with the third party seller Bi and the supply chain thereof through the blockchain system 4, and performs data check; or carrying out data check on the data of the production purchasing materials W1, W2 and … … Wn of the purchasing materials W0 of the buyer A and the third party seller Bi through the interconnection function query of the production planning production scheduling software of the third party seller Bi, if the conditions are not met, the buyer A and the seller B negotiate to solve or reject the payment by themselves, and if the conditions are not met, the direct payment is notified according to the payment request of the third party seller Bi;

When delivery occurs and the buyer A does not complete the transaction of purchasing the goods W0, the credit currency or the credit settlement bill Mi state of the third party seller Bi is updated through the account of the electronic bill splitting control computer system 3, or the account of the buyer A is notified through the account of the electronic bill splitting control computer system 3, and the credit currency or the credit settlement bill Mi state of the third party seller Bi is updated through the account of the buyer A;

when the buyer a completes the purchase goods W0 transaction, the buyer a pays the balance of the credit currency or the credit settlement ticket M0 of the buyer a at the electronic ticket splitting control computer system 3 account to the account of the seller B in a posting and accepting state.

Example 5

in the working method, the using type of the electronic acceptance draft M0 is full goods end point type posting and acceptance, and the method comprises the following steps:

before the buyer A receives the purchased goods W0, the seller Bi continuously and repeatedly transfers the credit settlement bill amount according to the self-purchased goods, and transfers and distributes the credit settlement bill amount to the third party seller Bi of the supply chain B1 and B2 … … Bn only used for transferring and distributing the amount of the split M0 until the purchased goods are not needed;

After the buyer A finishes the transaction of the purchased goods and materials M0, the electronic bill splitting control computer system 3 uniformly changes the settlement state of the credit currency or the credit settlement bill obtained by all sellers Bi on the supply chain, and the cash is posted or the cash is accepted due for use.

Example 6

in this method of operation, the electronic acceptance draft M0 is used in the form of non-full end point branding and acceptance, comprising the steps of:

after the buyer A finishes the transaction of the part of the purchase goods and materials M0, the state of the equal proportion settlement amount of the transaction completion amount proportion is uniformly changed by controlling 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 3 according to the transaction completion amount proportion of the buyer A.

Example 7

in the working method, the use type of the electronic acceptance draft M0 is non-periodic restriction type posting and acceptance, which is a certain preset settlement period posting and acceptance form taking the actual time and the actual quantity of the purchased goods W0 received by the buyer A as settlement control time points, the buyer A and the seller Bi sign long-term purchase contracts, the credit currency or the credit settlement bill of the buyer A and the seller Bi has no specific acceptance time, and the acceptance time and the payment are defined as temporary sum calculated by the quantity of the purchased goods W0 received by the buyer A and the time are certain preset settlement period and settlement sum. The method comprises the following steps:

the seller Bi continuously carries out the split transfer of the obtained credit settlement bill according to the demand of purchasing materials by itself, and the steps (6) to (7) are repeated, and the credit payment transfer and distribution of the amount which is only used as the split M0 to the third party seller Bi of the B1 and B2 … … Bn supply chain are carried out until the material purchasing is not needed;

after the buyer A finishes the transaction of the part M0 of the purchased goods and materials, the computer system 3 is controlled to obtain credit currency or credit settlement notes for all the seller enterprises Bi on the supply chain through electronic bill splitting according to the transaction completion amount proportion of the buyer A, and the state of the equal proportion settlement amount of the transaction completion amount proportion is uniformly changed.

Claims

1. The working method of the credit receiving and paying system based on the value chain and the blockchain is characterized in that the credit receiving and paying system comprises a purchase contract recording and authenticating system, a purchase delivery recording and completion authenticating system, an electronic bill splitting control computer system and a blockchain system;

the purchase contract recording and authentication system is used for: the method comprises the steps of recording a purchase contract into an electronic record, confirming the electronic signature of the purchase contract, encrypting the data of the purchase contract, formatting the data of the purchase contract at the block chain system interface, and formatting or transmitting the data of the purchase contract at the electronic bill splitting control computer system interface;

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

the electronic bill splitting control computer system is used for: realizing user registration, contract and delivery transaction records, legal currency guarantee credit currency payment, credit currency split payment, legal currency settlement application and checkout, data transmission security and data validity verification, or the blockchain system interface registration and inquiry;

The blockchain system is used for: providing transaction or information registration and distributed billing, providing authorization-based queries and authentication, and providing legal requirements for transaction and information evidence;

through the credit receiving and paying system based on a value chain and a blockchain, a buyer and a seller carry out credit statement before material transaction in the blockchain system through the purchasing contract recording and authenticating system, a first buyer of a production value chain source pays an electronic acceptance draft to the seller before material delivery and pays credit guarantee statement as legal currency in the blockchain system, the payment electronic acceptance draft is converted into equal-amount credit currency with credit payment but without a rendering function through a third party financial institution, the electronic bill splitting control computer system and the purchasing contract recording and authenticating system transmit required credit currency for splitting payment purchasing materials on a production value chain, and the purchasing delivery recording and delivery information of the finishing authenticating system control the credit currency without the rendering function of the electronic bill splitting control computer system to realize rendering legal currency; the method comprises the following steps:

(2) Before the purchase material W0 arrives, the buyer A opens an electronic acceptance draft M0 to the seller B according to the contract of the purchase material W0;

(5) The financial institution C decomposes the amount of the electronic acceptance bill M0 into credit currency with equivalent amount or a detachable electronic credit bill in the form of the amount guarantee such as legal money funds in the electronic bill splitting control computer system, and changes the balance of the account of the seller B, wherein the credit currency or the credit payment bill comprises the use type of the electronic acceptance bill M0 and acceptance information and blockchain credit registration information of transaction occurrence;

2. The method of claim 1, wherein the electronic receipt and payment system is a system of tracking type, wherein the electronic receipt and payment M0 is used in the form of adjacent single-layer control, wherein the buyer a directly endorses the electronic receipt and payment M0 to be paid to the seller B to the financial institution C, and wherein the financial institution C stores the equivalent credit currency or electronic receipt and payment M0 into the account of the buyer a through the electronic bill splitting control computer system; the payment control of the buyer a purchasing material W0 for purchasing material sets of materials W1, W2 … … Wn by the seller Bi adjacent thereto due to the production of the purchasing material W0, and the goods transaction with the enterprise set formed by the third party sellers B1, B2, … … Bi … … Bn providing the purchasing material sets, comprises the steps of:

the buyer A inquires contract registration of the seller B and the enterprise set for purchasing the purchase material set through the blockchain system, and performs data check; or inquiring data of the production and purchase materials W1, W2 and … … Wn of the material W0 purchased by the buyer A and the seller B through the interconnection function of the production plan production scheduling software of the seller B, checking the data, if the data are not in accordance with the conditions, the buyer A negotiates with the seller B to solve or reject the payment by itself, and if the data are not in accordance with the conditions, notifying direct payment according to the payment request of the seller Bi;

3. The method of claim 1, wherein the electronic receipt and payment ticket M0 is used in a tracking type of receipt and payment, in the form of a full supply chain transfer control, the buyer a directly endorses the electronic receipt and payment ticket M0 to be paid to the seller B to the financial institution C, and the financial institution C stores the equivalent credit currency or electronic receipt and payment ticket M0 into the account of the buyer a through the electronic ticket splitting control computer system; a payment control for a goods transaction occurring in a set of enterprises formed by a buyer a purchasing a material W0 and a third party B1, B2, … … Bi … … Bn providing a purchasing material set W1, W2 … … Wi … … Wn, a purchasing material set of purchasing a material W1, W2 … … Wi … … Wn by the seller B adjacent thereto for producing the purchasing material W0, a payment control for a goods transaction occurring in a set of enterprises formed by a third party Bi having a cost of providing a purchasing material set wi.1, wi.2 … … wi.i … … wi.n and a cost of providing a purchasing material set wi.1, wi.2 … … wi.i … … wi.n, i=1, 2 … … n for a goods transaction occurring in a set of enterprises formed by bi.2 … … bi.i … … bi.n, comprising the steps of:

4. The method of claim 1, wherein the electronic acceptance draft M0 is used in a full-end point type of impression and acceptance, comprising the steps of:

5. The method of claim 1, wherein the electronic acceptance draft M0 is used in a non-full end point type of impression and acceptance, comprising the steps of:

6. The method according to claim 1, wherein the use type of the electronic receipt M0 is non-regular limit type posting and receipt, which is a form of settlement period posting and receipt with a preset settlement control time point of the actual time and actual number of the buyer a to receive the purchase goods W0, the buyer a contracting with the seller Bi for a long term purchase contract, the credit currency or credit settlement ticket of the buyer a to the seller Bi having no specific receipt time, the receipt time and amount being defined as a temporary amount and time calculated by the number of the buyer a to receive the purchase goods W0 as the preset settlement period and settlement amount, comprising the steps of: