CN112116447A

CN112116447A - Supply chain financial financing service system of Rong E communication international logistics settlement platform

Info

Publication number: CN112116447A
Application number: CN202010883397.9A
Authority: CN
Inventors: 马震
Original assignee: Tianjin Rongyida Information Technology Co ltd
Current assignee: Tianjin Rongyida Information Technology Co ltd
Priority date: 2020-08-28
Filing date: 2020-08-28
Publication date: 2020-12-22

Abstract

The invention belongs to the technical field of supply chain finance in international logistics internet service, and particularly relates to a supply chain finance and financing service system of a Rong e Tong international logistics settlement platform, which takes the Rong e Tong international logistics settlement platform as a core platform, takes a user enterprise of the platform as a service object, conducts main body real name authentication guidance and credit rating on enterprises which accord with financing conditions on a supply chain, and provides financing service for links of purchasing, selling and the like of the enterprises in the supply chain; the service flow of the service system comprises the following five links: enterprise financing qualification judgment, enterprise credit assessment, credit and agreement signing, financing service opening, financing declaration and payment, and financing repayment. The invention has the beneficial effects that: the financing business process is simplified, the financing cost of the enterprise is reduced, the problem of asymmetric information of the lending and lending parties is effectively solved, the financing risk of small and medium-sized enterprises is greatly reduced, and a new way for solving the financing problem of small and medium-sized enterprises in China is developed.

Description

Supply chain financial financing service system of Rong E communication international logistics settlement platform

Technical Field

The invention belongs to the technical field of supply chain finance in international logistics internet service, and particularly relates to a supply chain finance and financing service system of a Rong E communication international logistics settlement platform, in particular to a multi-party control method for one-stop full-closed-loop financing enterprise special expense on-line declaration and authorization approval, payment by a service provider, special payment, time-limited repayment and the like of international logistics internet service standardization.

Background

Under the new situation that global trade friction is increasingly intensified, the fund demand of small and medium-sized micro enterprises is still in the bottleneck stage of difficult financing and slow financing. At present, in China, researches for the financing problems of small and medium enterprises are mainly focused on the aspects of developing a financial support system, accelerating the construction of a credit guarantee system, establishing small and medium financial institutions facing small and medium enterprises and the like, and in consideration of the development situation of the domestic financial market at the present stage, the financing problems of the small and medium enterprises can be solved only for a long time through the above way. Therefore, each industry develops financing business through technical innovation, and financial product innovation and financing scheme development are carried out according to enterprise financing requirements, so that the financing dilemma of small and medium-sized micro enterprises is relieved.

In the traditional supply chain system, a bank is the main hub of financial business, and a credit institution granted by an enterprise is the core of the financial business. The original single structure system makes the supply chain financial business mode extremely single, the risk system is single thin, and the information such as business flow, fund flow, information flow and the like are not communicated with each other. On the basis of no internet, the data information of the enterprise is difficult to publicize and transparentize, financing business depends on credit support of a core organization, risk control is not strict enough, and the credit granting efficiency of the enterprise is low, so that business development is difficult to a certain extent.

The supply chain finance is different from the traditional bank loan, and the essence of the supply chain finance lies in the control of the structural characteristics and the transaction details of the supply chain, and provides financial loan services for upstream and downstream enterprises in the supply chain by means of the credit strength of core enterprises/platforms or the self-compensation degree of business transaction and the goods circulation value. The supply chain finance effectively solves the financing problem of medium and small micro-enterprises caused by unstable operation, insufficient credit, insufficient assets and other factors.

9.2014, traditional transportation and storage enterprises are encouraged to extend services to the upstream and downstream of a supply chain in the long-term planning in logistics development (2014-shard 2020), a third-party supply chain management platform is built, development of professional logistics enterprises with supply chain design and consultation management capabilities is accelerated, and the supply chain management service level facing manufacturing enterprises is promoted. In 2016, eight departments such as the national banks, the banking and prisoners, the committee for issuing and modifying jointly release a plurality of opinions about the increment of the stable growth and adjustment structure of the financial support industry, and the effort of pushing the finance of the supply chain and the financing of accounts receivable.

In recent years, the internet is unprecedentedly favorable in the development situation of China, and the internet plus era is rapidly developed under the collective promotion of national policy support, social environment influence, leading of huge enterprises and various industries. The enterprise business information can realize windowed display and dynamic data update under the action of the Internet, and supply chain financial products can obtain qualitative leap, namely, the original single business situation with banks as the leading factor is broken through, and the multi-stream-in-one digitalized efficient management of business flow, fund flow and information flow is realized by taking a brand-new supply chain financial platform as a business main body and by means of the Internet and a big data analysis technology, so that the supply chain finance can comprehensively evaluate the wind control current situation and the financing main body on the basis of the development current situation of the whole supply chain. For example, the platform carries out systematic control on information such as 'enterprise account + service settlement data + service fund flow direction' and the like on an enterprise through an internet technology, and the platform runs through upstream and downstream enterprises of a supply chain, so that the enterprise cost is reduced, and the use efficiency of the fund is improved. Especially, compared with the traditional financing, the supply chain finance is continuously innovated by means of the technical advantages of the Internet, effectively meets the capital requirements of different enterprises, and is beneficial to the coordinated development of the enterprise industrial chain.

The traditional supply chain financial products mainly adopt offline examination and approval, face the problems of complicated examination and approval procedures, low working efficiency and the like, are difficult to meet enterprise financing requirements of the 'Internet +' era, and an online supply chain financial platform is produced. The platform mode of online supply chain finance is one of the main directions of innovation and transformation of financial products by integrating big data advantages. The rapid application of modern information technology in each industry enables the traditional development mode of each industry to be essentially changed, the novel supply chain financial mode also has a more complete functional architecture, the supply chain financial mode with more scientificity and comprehensiveness enables small and medium-sized enterprises to have greater operability in financing, and the development of the small and medium-sized enterprises is effectively promoted.

In summary, the financing difficulty of small and medium-sized micro enterprises in China is mainly reflected in the following: the traditional financial institution taking a bank as a lender carries out static analysis on enterprises on the basis of a good balance sheet and makes a final credit decision through isolated evaluation of credit principal, and the process is complicated and low in efficiency. Meanwhile, the bank does not really grasp the actual operation condition of the small and medium-sized micro-enterprises, so that higher bad account rate exists and the financing threshold is higher; therefore, the problem of difficult financing of small and medium-sized micro enterprises is solved by only banking institutions. In addition, the information between the financial institutions and enterprises has asymmetry, so that the business risk of the supply chain financial market is obviously increased; the existing supply chain finance lacks a set of sound risk early warning mechanism, and can not discover and process potential expected risk problems in time; national laws and regulations are not sound in this respect and do not provide effective guarantee for the supply chain financial market; the application of internet technology in the field of B2B is not wide, and the application of financial service products of the international logistics supply chain is still in an exploration and development stage. The asymmetry of industrial chain information and the unsound risk control are important factors causing the financing dilemma of small and medium-sized micro enterprises in China. In the case of asymmetric information, it is difficult to achieve a win-win or win-win situation for the parties in the supply chain, which is an objective obstacle to solving the financing problem. How to effectively process the business risk brought by the information asymmetry and realize the low-risk high-income loan target of financing parties is an important problem to be solved.

Disclosure of Invention

In order to overcome the defects of the prior art, the invention provides a supply chain financial financing service system of a Rong E-Tong international logistics settlement platform, which provides safer, more timely and more real data information for financing enterprises, simplifies the financing business process, reduces the financing cost of the enterprises, improves the information synchronization and data transmission efficiency between core enterprises and financing enterprises, efficiently assists the enterprises to solve the financing problem, effectively solves the problem of asymmetric information of lending parties, greatly reduces the financing risk of small and medium-sized enterprises and develops a new way for solving the financing problem of small and medium-sized enterprises in China by constructing a new supply chain financial business mode based on the Internet financial technology.

In order to achieve the purpose, the invention adopts the following technical scheme:

a supply chain financial financing service system of a Rong e Tong international logistics settlement platform is characterized in that the system takes the Rong e Tong international logistics settlement platform as a core platform, takes a user enterprise of the platform as a service object, conducts main body real name authentication guidance and credit rating on enterprises which accord with financing conditions on a supply chain, and provides financing service for the links of purchasing, selling and the like of the enterprises in the supply chain;

the service flow of the service system comprises the following five links: (1) enterprise financing qualification judgment, (2) enterprise credit assessment, (3) credit and agreement signing and financing service opening, (4) financing declaration and payment, and (5) financing repayment;

the honor e-communication international logistics settlement platform is mainly divided into two user groups, namely a client enterprise and a member enterprise, wherein the client enterprise mainly has an invoice receiving function, a payment function and the like, and the member enterprise mainly has an invoice issuing function, a payment function and the like.

Preferably, the enterprise financing qualification determination refers to checking qualification application conditions of the financing enterprise, for example, if the user enterprise meets all conditions of qualification application and enters the next link, the enterprise which does not meet requirements of the application conditions is not applicable, and the reason is prompted;

the enterprise credit evaluation comprises real-name authentication and financing authentication cost payment of the enterprise, the user pays the financing authentication cost after completing the real-name authentication of the enterprise and applying an electronic signature, and the next link is carried out after waiting for the authorization approval of a third-party financial institution after completing the payment;

the approval of the credit and agreement signing and financing service means that the honor e-platform can send financing application information of an enterprise to a financial institution service provider for qualification audit after the payment is successful, if the application enterprise passes the qualification audit, namely the credit passes, the financial institution service provider and the honor e-platform can distribute corresponding account amount and account amount for the enterprise according to the qualification of the enterprise, and carry out online signing of the agreement through an electronic signature which is already claimed by the enterprise, the agreement signing is finished, and the honor e-platform automatically opens a financing service function for a client; if the credit is not passed, the reason of refusal is informed, the customer checks the reason and can apply again after the condition is met, and the paid fee is not returned;

the financing reporting and payment means that after the financing service function is successfully opened, the enterprise carries out financing reporting, reporting information is filled according to the financing requirement of the enterprise, and relevant bill files are uploaded, meanwhile, the system can create a financing order to be paid and examined, the approved financing order to be paid is completed through a Rong and E filing account for financing fund posting, and the next link is entered;

the financing repayment means that after the user finishes the payment of the financing order, the user needs to repay the financing information at any time through a repayment channel in the account period, after the repayment is successful, the fully closed-loop financing order is finished, and the corresponding account amount is automatically recovered.

Preferably, in the enterprise financing qualification determination link, the examination of the qualification application conditions of the financing enterprise means that a platform user applying for a financial product service of a supply chain is required to complete enterprise authentication, off-line banking subscription and on-line honor and E general filing corresponding to a financing entry bank account, and meet the specified conditions of accumulated invoicing/payment transaction number and the like in a single month or a specified period; after the platform user completes enterprise authentication, the system can automatically conduct credit investigation and research on the enterprise and evaluate the credit level of the enterprise, if the evaluation result and the transaction data of the enterprise are authenticated and the condition of financial service opening of the Rong E platform supply chain is met, the system can guide the user to open the enterprise in the form of pushing the in-station message and the mobile end WeChat message.

Preferably, in the enterprise trust evaluation, the authentication entity authenticated by real name includes: the method comprises the steps that personal real-name authentication of an enterprise legal person and real-name authentication of an applied enterprise are carried out, in the authentication process, only after the enterprise legal person completes and passes the personal real-name authentication, the enterprise can initiate the authentication, and if the enterprise legal person does not complete the real-name authentication or has authenticated but does not claim an electronic signature, a real-name authentication page is entered for authentication and claiming; if the real name authentication and the claim signature are carried out within the specified time limit, entering a charge payment link; the financing authentication cost for the financing authentication cost payment mainly comprises the following steps: the payment method comprises the following steps of using the cost items such as real-name authentication cost, credit investigation cost, operation service cost and the like: online to public payment, online code scanning payment and offline to public payment; if the real-name authentication is done within the designated time, the real-name authentication fee is not paid.

Preferably, in the financing reporting and payment link, according to whether the fund amount accumulated and reported by the enterprise after the financing reporting audit is passed exceeds a certain limit, whether a platform user directly initiates a payment instruction of a financing order through a specified honoe general filing account or initiates a payment application of the financing order after paying a guarantee deposit is determined, and a financing service provider can timely release money to a corresponding payment account of the enterprise to complete the payment operation of special financing;

further preferably, in the step of financing declaration and payment, if the fund amount cumulatively declared by the enterprise after the financing declaration is approved exceeds a certain limit, the user needs to pay a certain proportion of guarantee money before the financing order is paid, and the user can continuously initiate payment application of the financing order after the guarantee money is confirmed to be paid; if the fund amount accumulated and declared by the enterprise does not exceed the limit amount after the financing declaration is checked, the platform user can directly initiate a payment instruction of a financing order through the appointed Rong E-Tong filing account, the financing service merchant can put money to a corresponding payment account of the enterprise in time, and the platform can transmit the money to a corresponding bank after confirming the completion of the money transfer and the payment instruction of the customer, so as to complete the payment operation of special financing;

further preferably, the guarantee fund calculation and payment verification rules are as follows: (1) guarantee fund calculation rule: the current accumulated application amount is multiplied by the proportion of the deposit-the current paid deposit; the current accumulated application amount is equal to the current declaration amount, the amount in the audit and the amount to be paid (not including the repayment amount); the current paid deposit is the pre-stored deposit plus the accumulated directly paid deposit (without the successful reimbursement amount and the amount in reimbursement processing); (2) payment verification rules: (the current accumulated application amount is multiplied by the proportion of the deposit) < the deposit paid at present, and the deposit is not paid; (the current accumulated application amount is multiplied by the proportion of the deposit) is more than or equal to the current deposited deposit, and the deposit needs to be deposited;

the user can pre-store, pay, cancel, withdraw and the like the deposit, if the total amount of the funds accumulated and declared after the later payment is lower than the minimum standard for collecting the deposit, the user can apply for the withdrawal of the deposit, if the customer does not withdraw, the funds declared at the later period are accumulated to the corresponding amount again, and the deposit can be directly submitted without paying the deposit again; after submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, refund the corresponding deposit amount to the enterprise account after thawing, if the accumulated total amount of the financing enterprise exceeds the limit level of the applied funds again in the later period, the corresponding deposit difference amount exceeding part needs to be remitted.

Further preferably, in the financing declaration of the enterprise, the service type and the payment currency are selected, information such as an invoice, a declaration amount, the account information of the receiving enterprise, a payment bank account (fund account) and the like is filled, and bill files such as an order expense invoice, a shipping bill and the like are uploaded to initiate the financing declaration;

more preferably, the financing declaration supports a plurality of batch declarations of invoices to be paid, the system automatically establishes a declaration after submitting the declaration, the user pays by taking a single invoice in the financing order as a payment basis after approval, and the repayment of the interest is carried out by taking the financing order as a basis during later period repayment.

Preferably, in the financing repayment link, the platform user needs to complete the repayment of the financing order in the corresponding account period of the order in a manner of online payment or offline payment and water order uploading, and after the repayment is successful, the financing order of a full closed loop is completed and the corresponding account amount is automatically recovered; if the user needs to make an invoice for interest charges corresponding to the financing principal, a single order or a plurality of orders to be made can be selected, the application for making the invoice is submitted after checking and confirming that the information for making the invoice is correct, the invoice is made waiting, and the detailed information of the corresponding order and the repayment record of the returned order can be checked.

The financial financing service system of the supply chain of the Rong E Tong international logistics settlement platform comprises three business modes, namely a standardized business mode, an upgrading optimization mode (I) and an upgrading optimization mode (II).

The supply chain financial financing service system of the Rong E Tong international logistics settlement platform comprises a Rong E Tong international logistics settlement platform standardized business mode, is a financing service mode supporting the business expense payment requirement of a specified transaction scene, and is suitable for the special expense payment requirement of small and medium enterprises; the business mode takes a Rong E Tong platform as an operation main body of financing business, a certain appointed enterprise with guarantee qualification as a financing guarantee party, a user enterprise with the requirement of paying the booking business expense as a financing borrower, and enterprise information authentication and credit evaluation and accounts receivable business transaction data and bill information in the platform as financing wind control;

preferably, the application process of the standardized business model for opening financing service mainly includes: the method comprises the following steps of (a payment enterprise specifying transaction scene business expense payment requirement) application condition examination (a payment enterprise specifying transaction scene business expense payment requirement) real-name authentication (a payment enterprise specifying transaction scene business expense payment requirement) payment expense (a payment enterprise specifying transaction scene business expense payment requirement) authorization approval (a payment enterprise specifying transaction scene business expense payment requirement) signing protocol (a payment enterprise specifying transaction scene business expense payment requirement) financing service opening; wherein, a payment enterprise of the transaction scene service expense payment requirement is appointed as a platform user;

before financing, the borrower enterprise needs to sign a financing agreement with a financial institution, when depositing, the financial institution can remit funds to a Rong E-Tong filing account appointed by the borrower enterprise, and meanwhile, the borrower enterprise needs to pay accounts to a payee account of an appointed transaction scene through a Rong E-Tong platform and complete the interest repayment of a corresponding amount within a specified account period time;

in the repayment link, in the financing declaration of the enterprise, the selection of a cabin booking business transaction platform is required.

The financial financing service system of the supply chain of the Rong E Tong international logistics settlement platform also comprises an upgrading optimization mode (I) of the Rong E Tong international logistics settlement platform based on a standardized business mode, and a financing service mode supporting one-to-many rapid payment requirements of a core enterprise and a plurality of payment clients appointed by the core enterprise is suitable for rapid payment requirements of special expenses of various large-scale enterprises; in the business mode, an enterprise with collection requirements in a Rongtong platform is used as an operation main body and a guarantee party of financing business (namely an enterprise on the upstream seller in a supply chain), a downstream buyer enterprise with payment requirements in the supply chain is used as a borrower of the financing business, and enterprise information authentication and credit evaluation and accounts payable business transaction data and bill information in the platform are used as financing wind control;

preferably, the application process of the upgrade optimization mode (i) for opening financing service mainly includes: the method comprises the following steps of (an actual receivable collection enterprise) application condition examination (an actual receivable collection enterprise and an actual payable payment enterprise) real-name authentication (an actual receivable collection enterprise) payment expense (a financial institution) authorized examination and approval (an actual receivable collection enterprise and an actual payable payment enterprise) signing agreement (an actual receivable collection enterprise and an actual payable payment enterprise) financing service opening; wherein, the actual receivable collection enterprise and the actual payable payment enterprise in the business transaction are both required to be platform users;

preferably, the enterprise of the guarantor and the enterprise of the borrower before financing respectively complete the real-name authentication of the enterprise and claim the electronic signature, and sign a financing agreement of three parties with the financial institution, the financing declaration is initiated by the actual receivable and collection enterprise, in the repayment link after the financing, the guarantor enterprise as the actual receivable and collection enterprise and the borrower enterprise as the actual payable enterprise respectively complete the repayment operation of payable interest of the payable party and the interest of the borrower in the corresponding account period of the financing order through the modes of online payment or offline payment water order upload, after the payable accounts of the receiver and the borrower are all successfully repayed, the fully closed-loop financing order is completed, and the corresponding account of the payable enterprise is automatically recovered.

The supply chain financial financing service system of the Rong E Tong international logistics settlement platform also comprises an upgrading optimization mode (II) of the Rong E Tong international logistics settlement platform based on a basic business mode, a financing service mode supporting one-to-many quick payment requirements of a core enterprise and a plurality of suppliers of the core enterprise, and the financial financing service system is suitable for special expense payment requirements of various large enterprises and does not need to specify a business transaction scene; in the business mode, a large enterprise which has payment requirements and guarantee qualification in the Rongetong platform is used as an operation main body and a borrower (namely a downstream buyer enterprise in a supply chain) of financing business, guarantees are carried out on the enterprise in the financing process, and meanwhile, enterprise information authentication and credit evaluation of a platform user and accounts payable business transaction data and bill information are used as financing wind control;

preferably, the application process of the upgrade optimization mode (ii) for opening financing service mainly includes: the method comprises the following steps of (core payment enterprise of the special expense payment requirement) application condition examination (real-name authentication of the core payment enterprise of the special expense payment requirement) > (core payment enterprise of the special expense payment requirement) payment expense (financial institution) authorization approval (core payment enterprise of the special expense payment requirement) signing agreement (core payment enterprise of the special expense payment requirement) financing service opening; wherein, the core payment enterprise of the special expense payment requirement is the platform user;

preferably, before financing, the borrower enterprise needs to sign a financing agreement with the financial institution, when depositing, the financial institution can remit the fund to a Rong e's account specified by the borrower enterprise, after depositing, the borrower enterprise needs to complete payment through the deposited account receiving the account, and complete the repayment of the original message corresponding to the amount in the specified account period time in a Rong e's online payment or offline payment water sheet uploading mode, after the repayment is successful, the fully closed-loop financing order is completed, and the corresponding account amount is automatically recovered.

The invention has the beneficial effects that:

(1) credit assessment is carried out according to the credit condition of an enterprise and platform transaction data, so that the system not only can effectively serve the entity economy in the supply chain financial financing service, but also can integrally master the risk problem in the financing activity according to the transaction condition of the entity economy, and the structure and risk control of the debt are enhanced;

(2) according to the precondition of supply chain finance, such as industry rules, business characteristics, fund transaction mode and the like, a set of professional financing scheme is made for a platform transaction main body;

(3) through the Internet technology in the field of B2B, the synchronization of the financial institutions and the enterprise information is realized, namely the information of the lending parties is symmetrical;

(4) through the Internet technology in the field of B2B, a set of multi-business mode supply chain financial service system which has difference and complementarity and is suitable for the characteristics of small and medium enterprises is created, so that financing channels are enriched, the financing threshold is reduced, the financing efficiency is improved, and the financing problem of various types of enterprises is effectively solved;

(5) the supply chain financial system is not only limited to providing financing service, but also optimizes the existing credit granting flow scheme and reduces the credit granting cost, effectively assists the operation of the fund chain of the inventory industry of small and medium-sized enterprises, and effectively stabilizes the safety and traceability of the fund chain of large and medium-sized enterprises;

(6) by formulating a standardized financing process and intelligent risk control, efficient and convenient supply chain financial financing service is brought to users;

(7) the user can apply for financing service on line without having too much professional knowledge, which plays a role in reducing cost and improving efficiency for traditional international logistics service enterprises and is beneficial to the long-term sustainable development of the enterprises;

(8) the Internet supply chain finance is the integration of the Internet finance and the supply chain finance, the supply chain finance industry is in a high-speed development stage, and the B2B platform helps small and medium-sized micro enterprises to obtain funds by constructing an ecological circle to attract the main bodies of all parties in the supply chain finance. The supply chain financial platform system is designed and realized, a more stable B2B supply chain financial ecological circle can be built, the modernized international logistics Internet development trend is quickly adapted, convenient and quick financial services are provided for capital suppliers and financing party enterprises, the financing problem of small and medium-sized enterprises is effectively solved, and the requirements of various types of clients are better met.

Drawings

FIG. 1 is a flow chart of a standardized business model of a Rong e Tong international logistics settlement platform;

FIG. 2 is a guide page for enterprise financing service provision in the standardized business model of Rong E international logistics settlement platform;

FIG. 3 is an enterprise financing service application page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 4 is a business real-name authentication entry page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 5 is a financing authentication fee payment page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 6 is a result page of financing certification approval in the standardized business model of the Rong E international logistics settlement platform;

FIG. 7 is a financing agreement signing link in a standardized business model of a Rong E international logistics settlement platform;

FIG. 8 is a financing service opening page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 9 is a financing declaration page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 10 is a payment page after approval of financing in the standardized business model of the Rong E Tong international logistics settlement platform;

FIG. 11 is a financing repayment page in the standardized business model of the Rong E international logistics settlement platform;

FIG. 12 is a margin payment page for financing services in the standardized business model of the Rong E international logistics settlement platform;

FIG. 13 is a financing security fund refund page in the standardized business model of the Rong e international logistics settlement platform;

FIG. 14 is a invoicing application page for financing in the standardized business model of the Rong Tong international logistics settlement platform;

FIG. 15 is a business model (upgrade model one) flow of upgrade optimization for the Rong E Tong international logistics settlement platform;

FIG. 16 is a business model (upgrade model one) of the upgrade optimization of the Rong E Tong international logistics settlement platform for enterprise financing service provision guidance page;

FIG. 17 is a payment enterprise financing service application page in the business model (upgrade model one) of the Rong E Tong international logistics settlement platform upgrade optimization;

FIG. 18-1 is a real-name authentication portal page for a payee enterprise (actually receivable) in the business model (upgrade model one) of the Rong E Tong international logistics settlement platform upgrade optimization;

fig. 18-2 is a real name authentication portal page of an enterprise due in the business model (upgrade model one) of the upgrade optimization of the honor e-communal logistics settlement platform.

FIG. 19 is a payment page for financing certification fee of the collection enterprise (financing sponsor) in the business model (upgrade model one) of the promotion optimization of the Rong E international logistics settlement platform;

FIG. 20 is a transaction model (upgrade model one) of the Rong E Tong international logistics settlement platform upgrade optimization-payee enterprise (financing sponsor) financing certification approval results page;

FIG. 21-1 is the financing agreement signing link of the collection enterprise in the business model (upgrade model one) of the upgrade optimization of the Rong E Tong international logistics settlement platform;

FIG. 21-2 is the financing agreement signing link of the payment enterprise in the business model (upgrade model one) of the upgrade optimization of the Rong E Tong international logistics settlement platform;

FIG. 22-1 is the financing service opening page of the collection enterprise in the business model (upgrade model one) of the upgrade optimization of the Rong E Tong international logistics settlement platform;

FIG. 22-2 is the financing service opening page of the payment enterprise in the business model (upgrade model one) of the Rong e Tong international logistics settlement platform upgrade optimization;

FIG. 23 is a financing declaration page of a collection enterprise (financing declaration party) in a business model (upgrade model one) of the Rong E international logistics settlement platform upgrade optimization;

FIG. 24-1 is a financing repayment page of a collection enterprise (financing sponsor, paying only financing interest) in a business model (upgrade model one) of the Rong E Tong international logistics settlement platform upgrade optimization;

FIG. 24-2 is a financing repayment page for a payment enterprise in a business model (upgrade model one) of the Rong E Tong international logistics settlement platform upgrade optimization;

FIG. 25 is a margin payment page for the payee enterprise (financing sponsor) financing service in the business model (upgrade model one) of the Rong e Tong international logistics settlement platform upgrade optimization;

FIG. 26 is a financing guarantee fund refund page of a collection enterprise (financing sponsor) in a business model (upgrade model one) of the Rong e Tong international logistics settlement platform upgrade optimization;

fig. 27-1 is a billing application page of financing interest of a payee enterprise (financing sponsor) in a business model (upgrade model one) of the upgrade optimization of the ore communal logistics settlement platform, and fig. 27-2 is a billing application page of financing interest of a payment enterprise in a business model (upgrade model one) of the upgrade optimization of the ore communal logistics settlement platform;

FIG. 28 is a business model (upgrade model two) flow of upgrade optimization for the Rong E Tong international logistics settlement platform;

FIG. 29 is a business model (upgrade model two) for upgrade optimization of the Rong E Tong international logistics settlement platform for enterprise financing service provision guidance page;

FIG. 30 is an enterprise financing service application page in the Business model (upgrade model two) of Rong E Tong international logistics settlement platform upgrade optimization;

fig. 31 is an enterprise real-name authentication entry page in the business model (upgrade model two) of the promotion optimization of the ore-communal international logistics settlement platform.

FIG. 32 is a financing authentication fee payment page in the business model (upgrade model two) of the Rong e Tong international logistics settlement platform upgrade optimization;

FIG. 33 is a result page of the approval of financing certification in the business model (upgrade model two) of the upgrade optimization of the Rong E international logistics settlement platform;

FIG. 34 is a financing agreement signing link in the business model (upgrade model two) of the Rong E Tong international logistics settlement platform upgrade optimization;

FIG. 35 is a financing service opening page in the business model (upgrade model two) of the Rong e Tong international logistics settlement platform upgrade optimization;

FIG. 36 is a financing declaration page in the business model (upgrade model two) of the Rong E Tong international logistics settlement platform upgrade optimization;

FIG. 37 is a payment page after approval of financing approval in the business model (upgrade model two) of the upgrade optimization of the Rong E Tong international logistics settlement platform;

FIG. 38 is a financing repayment page in the business model (upgrade model two) of the Rong Tong international logistics settlement platform upgrade optimization;

FIG. 39 is a margin payment page for financing services in the business model (upgrade model two) of the Rong e Tong international logistics settlement platform upgrade optimization;

FIG. 40 is a financing security fund refund page in the business model (upgrade model two) of the Rong e Tong international logistics settlement platform upgrade optimization;

fig. 41 is a drawing of an application page for making out an invoice for financing in the business model (upgrade model two) of the upgrade optimization of the platform for international logistics settlement of honor e.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The financial financing service system of the supply chain of the Rong E Tong international logistics settlement platform provided by the invention takes the Rong E Tong international logistics settlement platform as a core platform, takes user enterprises of the platform as service objects, carries out main body real name authentication guidance and credit rating on enterprises which accord with financing conditions on the supply chain, and provides financing service for purchasing, selling and other links of the enterprises in the supply chain; the service flow of the service system comprises five links:

(1) enterprise financing qualification determination

The enterprise financing qualification judgment refers to checking qualification application conditions of the financing enterprise, if the user enterprise meets all conditions of qualification application and enters the next link, the enterprise which does not meet the requirements of the application conditions can not apply, and the reason is prompted;

(2) enterprise credit assessment

(3) fulfillment of credit and agreement signing and financing services

(4) financing reporting and payment

(5) financing repayment

The financing repayment means that after the user finishes the payment of the financing order, the user needs to repay the financing information at any time through a repayment channel in the account period, after the repayment is successful, the fully closed-loop financing order is finished, and the corresponding account amount is automatically recovered;

In the enterprise financing qualification judgment link, the examination of qualification application conditions of financing enterprises refers to that a platform user applying for financial product service of a supply chain needs to complete enterprise authentication, off-line banking subscription and on-line honor and E general filing corresponding to financing entry bank accounts, and simultaneously meets the specified conditions of accumulated invoicing/payment transaction number and the like in a single month or a specified period; for example: the application of the Rong E Tong client enterprise needs to meet the requirements: completing the E-E enterprise authentication; completing Rong e connection off-line bank signing and on-line bank filing; accumulating 60 or 30 payments in a month of 3; honor e member enterprises can also apply for the following conditions: completing the E-E enterprise authentication; completing Rong e connection off-line bank signing and on-line bank filing; 60 or 30 invoices in a single month in a total amount in 3 months;

after the platform user completes enterprise authentication, the system can automatically conduct credit investigation and research on the enterprise and evaluate the credit level of the enterprise, if the evaluation result and the transaction data of the enterprise are authenticated and the condition of financial service opening of the Rong E platform supply chain is met, the system can guide the user to open the enterprise in the form of pushing the in-station message and the mobile end WeChat message.

In the enterprise credit assessment of the invention, the authentication entity of the real name authentication comprises: the method comprises the steps that personal real-name authentication of an enterprise legal person and real-name authentication of an applied enterprise are carried out, in the authentication process, only after the enterprise legal person completes and passes the personal real-name authentication, the enterprise can initiate the authentication, and if the enterprise legal person does not complete the real-name authentication or has authenticated but does not claim an electronic signature, a real-name authentication page is entered for authentication and claiming; if the real name authentication and the claim signature are carried out within the specified time limit, entering a charge payment link; the financing authentication cost for the financing authentication cost payment mainly comprises the following steps: the payment method comprises the following steps of using the cost items such as real-name authentication cost, credit investigation cost, operation service cost and the like: online to public payment, online code scanning payment and offline to public payment; if the real-name authentication is done within the designated time, the real-name authentication fee is not paid.

In the financing reporting and payment link, according to whether the fund amount accumulated and reported by the enterprise exceeds a certain limit after the financing reporting is approved, whether a platform user directly initiates a payment instruction of a financing order through a specified Rong E's record account or initiates a payment application of the financing order after payment of a guarantee deposit is determined, and a financing service provider can timely release money to a corresponding payment account of the enterprise to complete the payment operation of special financing;

in the financing declaration and payment link, if the fund amount accumulated and declared by the enterprise after the financing declaration is approved exceeds a certain limit, the user needs to pay a certain proportion of guarantee money before the financing order is paid, and the user can continuously initiate payment application of the financing order after the guarantee money is confirmed to be accounted; if the fund amount accumulated and declared by the enterprise does not exceed the limit amount after the financing declaration is checked, the platform user can directly initiate a payment instruction of a financing order through the appointed Rong E-Tong filing account, the financing service merchant can put money to a corresponding payment account of the enterprise in time, and the platform can transmit the money to a corresponding bank after confirming the completion of the money transfer and the payment instruction of the customer, so as to complete the payment operation of special financing;

when financing is declared, the guarantee fund calculation and payment verification rules are as follows: (1) guarantee fund calculation rule: the current accumulated application amount is multiplied by the proportion of the deposit-the current paid deposit; the current accumulated application amount is equal to the current declaration amount, the amount in the audit and the amount to be paid (not including the repayment amount); the current paid deposit is the pre-stored deposit plus the accumulated directly paid deposit (without the successful reimbursement amount and the amount in reimbursement processing); (2) payment verification rules: (the current accumulated application amount is multiplied by the proportion of the deposit) < the deposit paid at present, and the deposit is not paid; (the current accumulated application amount is multiplied by the proportion of the deposit) is more than or equal to the current deposited deposit, and the deposit needs to be deposited;

the user can pre-store, pay, cancel, withdraw and the like the deposit, if the total amount of the funds accumulated and declared after the later payment is lower than the minimum standard for collecting the deposit, the user can apply for the withdrawal of the deposit, if the customer does not withdraw, the funds declared at the later period are accumulated to the corresponding amount again, and the deposit can be directly submitted without paying the deposit again; after submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, and refund the corresponding deposit amount to the enterprise account after thawing. If the accumulated total amount of the financing enterprises in the later period exceeds the limit level of the declared funds again, the corresponding guarantee fund difference amount of the exceeded part needs to be paid again;

in addition, in the financing declaration of the enterprise, the service type and the payment currency are selected, information such as an invoice, a declaration amount, the account information of the receiving enterprise, a payment bank account (a fund account) and the like is filled, and bill files such as an order expense invoice, a shipping bill and the like are uploaded to initiate the financing declaration;

the financing declaration supports batch declaration of a plurality of invoices to be paid, the system automatically establishes an invoice after the declaration is submitted, the user carries out payment by taking a single invoice in the financing order as a payment basis after approval, and the repayment of the original interest is carried out by taking the financing order as a basis during later reimbursement.

In the financing repayment link, a platform user needs to complete the repayment of the original message of the financing order in the corresponding account period of the order in a mode of Rong e communication online payment or offline payment water order uploading, and after the repayment is successful, the fully closed-loop financing order is completed and the corresponding account amount is automatically recovered; if the user needs to make an invoice for interest charges corresponding to the financing principal, a single order or a plurality of orders to be made can be selected, the application for making the invoice is submitted after checking and confirming that the information for making the invoice is correct, the invoice is made waiting, and the detailed information of the corresponding order and the repayment record of the returned order can be checked.

The financial financing service system of the supply chain of the Rong E Tong international logistics settlement platform mainly comprises three business modes, namely a standardized business mode, an upgrading optimization mode (I) and an upgrading optimization mode (II).

the application process of opening financing service in standardized service mode mainly includes: the method comprises the following steps of (a payment enterprise specifying transaction scene business expense payment requirement) application condition examination (a payment enterprise specifying transaction scene business expense payment requirement) real-name authentication (a payment enterprise specifying transaction scene business expense payment requirement) payment expense (a payment enterprise specifying transaction scene business expense payment requirement) authorization approval (a payment enterprise specifying transaction scene business expense payment requirement) signing protocol (a payment enterprise specifying transaction scene business expense payment requirement) financing service opening; wherein, a payment enterprise of the transaction scene service expense payment requirement is appointed as a platform user;

in the financing declaration and payment link, in the financing declaration of the enterprise, the selection of a cabin booking business transaction platform is also needed.

wherein, the application process of the upgrade optimization mode (I) for opening financing service mainly comprises: the method comprises the following steps of (an actual receivable collection enterprise) application condition examination (an actual receivable collection enterprise and an actual payable payment enterprise) real-name authentication (an actual receivable collection enterprise) payment expense (a financial institution) authorized examination and approval (an actual receivable collection enterprise and an actual payable payment enterprise) signing agreement (an actual receivable collection enterprise and an actual payable payment enterprise) financing service opening; wherein, the actual receivable collection enterprise and the actual payable payment enterprise in the business transaction are both required to be platform users;

the method comprises the steps that before financing, guarantor enterprises and borrowers enterprises respectively complete enterprise real-name authentication and apply electronic signatures, and a financial institution signs a financing agreement of three parties, financing application is initiated by actual receivable collection enterprises, in a repayment link after financing, the guarantor enterprises serve as the actual receivable collection enterprises, the borrowers serve as actual payable enterprises and repayment operations of payable interest of payable orders and interest of borrowers are respectively completed in a payable order corresponding account period in an ore online payment or offline payment water order uploading mode, after all to-be-repayed amounts of the payable orders of the payable parties and the borrowers are successfully repayed, the fully-closed-loop financing orders are completed, and the corresponding accounts of the payable enterprises are automatically recovered.

wherein, the application process of the upgrade optimization mode (II) for opening financing service mainly comprises the following steps: the method comprises the following steps of (core payment enterprise of the special expense payment requirement) application condition examination (real-name authentication of the core payment enterprise of the special expense payment requirement) > (core payment enterprise of the special expense payment requirement) payment expense (financial institution) authorization approval (core payment enterprise of the special expense payment requirement) signing agreement (core payment enterprise of the special expense payment requirement) financing service opening; wherein, the core payment enterprise of the special expense payment requirement is the platform user;

Example 1: standardized business mode of Rong e communication international logistics settlement platform

The flow and page of the standardized service mode of the embodiment are described as follows:

fig. 1 is a flow chart of standardized business model of the honor e international logistics settlement platform. In the business model, a Rongetong platform is used as an operation subject of financing business, a certain appointed enterprise with guarantee qualification is used as a financing guarantee party, a user enterprise with a booking business expense payment requirement is used as a financing borrower, and enterprise information authentication and credit evaluation and accounts receivable business transaction data and bill information in the platform are used as financing wind control.

To enhance risk control, the borrower enterprise must enter into a financing agreement with the financial institution prior to financing. In the later period of deposit, the financial institution will remit the fund to the Rong E's record account appointed by the borrower's enterprise. Meanwhile, the borrower enterprise needs to pay accounts to the payee account of a specified transaction scene through the Rong E-Tong platform, and completes the repayment of the principal and interest of corresponding amount within the specified account period time.

The specific flow of the standard financing service on-line opening and reporting technology of the international logistics settlement platform for honor e is as follows:

fig. 2 shows a guide page for enterprise financing service provision in the standardized business model of the honor e-communication international logistics settlement platform. After the platform user completes enterprise authentication, the system can automatically conduct credit investigation on the enterprise and evaluate the credit level of the enterprise. If the evaluation result and the transaction data of the authentication enterprise meet the condition of financial service opening of the Rong E platform supply chain, the system can guide the user to open in the form of pushing the in-station message and the mobile terminal WeChat message.

Fig. 3 shows an application page of the enterprise financing service in the standardized business model of the honor e-communication international logistics settlement platform. The application process for opening financing service mainly comprises the following steps: the method comprises the steps of (a payment enterprise specifying a transaction scene business expense payment requirement) application condition examination (a payment enterprise specifying a transaction scene business expense payment requirement) real-name authentication (a payment enterprise specifying a transaction scene business expense payment requirement) payment expense (a payment enterprise specifying a transaction scene business expense payment requirement) authorization approval (a payment enterprise specifying a transaction scene business expense payment requirement) signing agreement (a payment enterprise specifying a transaction scene business expense payment requirement) financing service opening. If the platform user meets the financing service application condition of the corresponding identity, the user clicks an 'immediate application' button to skip a real-name authentication link (figure 4). If any application condition does not meet the specification, clicking an 'immediate application' button to prompt that the condition is not met and not passing.

The activation of the financing service requires the user to complete the enterprise real name authentication and claim the electronic signature, wherein the authentication entity comprises: personal real-name authentication of enterprise legal personnel and real-name authentication of application enterprises. In the authentication process, the enterprise can initiate authentication only after the enterprise legal person completes the authentication and passes the personal real-name authentication. Fig. 4 is a real-name authentication entry page of an enterprise in the standardized business model of the honor e-communication international logistics settlement platform.

Clicking the 'go to immediately' button, the system judges whether the enterprise has an authentication action and applies an electronic signature within a specified time: if the real name authentication is not carried out or the electronic signature is authenticated but not claimed, jumping to the real name authentication page for authentication and claiming; if the real name authentication and the application of the signature are carried out within the specified time limit, the charge payment link is skipped and the financing authentication charge payment page is entered, as shown in fig. 5.

In fig. 5, the financing authentication cost mainly includes: and fee items such as real-name authentication fee, credit investigation fee, operation service fee and the like. The payment mode comprises the following steps: online to public payment, online code scanning payment, offline to public payment. If the real-name authentication is done within the designated time, the real-name authentication fee is not paid. After the payment is successful, the honor e-tong platform sends the financing application information of the enterprise to the financial institution service provider for qualification audit, and if the application enterprise passes the qualification audit, the financial institution and the platform grant corresponding account amount and account period for the enterprise (fig. 6).

Fig. 6 is a result page of financing certification approval in the standardized business model of the honor e international logistics settlement platform. If the credit is passed, the financial institution service provider and the honor e-communication platform distribute corresponding account amount and account amount for the enterprise according to the qualification of the enterprise; if the credit is not passed, the reason for refusal is informed, the customer checks the reason and can apply again after the condition is met, and the paid fee is not returned. Click the "please go out agreement" button and enter the agreement signing link (fig. 7).

FIG. 7 is a financing agreement signing link in the standardized business model of the Rong E international logistics settlement platform. Clicking the 'go to sign' button, and carrying out online signing on the protocol through the electronic signature already claimed by the enterprise. After the agreement is signed, the honor e-tong platform automatically opens financing service for the client (fig. 8).

Fig. 8 is a financing service opening page in the standardized business model of the honor e international logistics settlement platform.

Clicking a 'invoicing' button, skipping to the financing service, opening an application fee invoicing application page, inputting and confirming invoicing information, and submitting an invoicing application; before the service validity period is over, clicking a 'renewal' button to confirm and submit a financing service renewal application.

Clicking a 'go declaration' button, and jumping to a financing declaration page (fig. 9);

clicking a pre-storage removing button, and jumping to a guarantee fund payment page (figure 12);

clicking the 'go-pay' button to jump to the financing payment page (FIG. 10);

clicking the 'go repayment' button, and jumping to a financing repayment page (fig. 11).

Fig. 9 is a financing declaration page in the standardized business model of the honor e international logistics settlement platform. Selecting a service type and a cabin booking service transaction platform, filling in information such as an invoice, a declaration amount, recipient enterprise account information and a payment bank account (a fund posting account) and uploading bill files such as an order expense invoice and a shipping bill, clicking a 'submission' button, and initiating a financing declaration action.

The financing declaration supports a plurality of batch declarations of issuing invoices to be paid, the system automatically establishes an invoice after submitting the declaration, and a user carries out fee payment by taking a single invoice in a financing order as a payment basis after approval (figure 10), but carries out interest repayment by taking the financing order as a basis when paying in a later period (figure 11).

In the payment page (fig. 10) after the approval of financing is passed in the standardized business mode of the Rong e Tong international logistics settlement platform, all approved orders to be paid are listed in the list to be processed, an 'immediate payment' button is clicked, and the payment operation of corresponding expenses is completed through the Rong e Tong filing account for financing funds entering. Click "details" to view details of the financing order. After the payment is completed, the user needs to pay the financing information through a payment channel in the account period (fig. 11).

In the financing repayment page (fig. 11) in the standardized business mode of the honor e-communication international logistics settlement platform, if the user finishes payment of the financing order, namely the order payment state is changed into 'payment success', the order information can be paid back at any time. Clicking an 'immediate repayment' button to perform repayment operation of the financing original message. And (4) the payment is successful, the fully closed-loop financing order is completed, and the corresponding account amount is automatically recovered.

Clicking on the detail to view the detailed information of the corresponding order, and clicking on the My repayment to view the repayment record of the order which is already repayed.

Fig. 12 is a margin payment page for financing service in the standardized business model of the honor e-currency logistics settlement platform. In the credit account amount, if the cumulated and declared fund exceeds the corresponding amount, the financing enterprise needs to pay a certain amount of guarantee money. The accumulated amount is different, and the corresponding deposit amount is different.

When financing application is reported, the guarantee fund calculation and payment verification rules are as follows:

(1) guarantee fund calculation rule:

the current accumulated application amount is multiplied by the proportion of the deposit-the current paid deposit;

the current accumulated application amount is equal to the current declaration amount, the amount in the audit and the amount to be paid (not including the repayment amount);

the current paid deposit is the pre-stored deposit plus the accumulated directly paid deposit (without the successful reimbursement amount and the amount in reimbursement processing);

(2) payment verification rules:

(the current accumulated application amount is multiplied by the proportion of the deposit) < the deposit paid at present, and the deposit is not paid;

(the current accumulated application amount is multiplied by the proportion of the deposit) is more than or equal to the current deposited deposit, and the deposit is required to be deposited.

The deposit calculation rule is exemplified below. Assuming X, Y is for different account levels (unit: ten thousand RMB), A, B is for the proportion of the corresponding deposit charge (unit:%), and 0 < X < Y, 0 < A < B < 100, the deposit rules are exemplified as follows:

(1) the accumulated declared fund is less than X ten thousand RMB, and no guarantee money is collected;

(2) x ten thousand RMB are less than or equal to the accumulated declared fund which is less than Y ten thousand RMB, and A percent of the accumulated fund is collected as financing guarantee money;

(3) the accumulated declared fund is more than or equal to Y thousands of RMB, and the accumulated declared fund is collected (B percent of the accumulated fund-the amount of the current paid deposit) as the financing deposit corresponding to the excess amount.

Clicking the 'deposit rule description' to check the relevant description of the deposit; the 'pre-stored deposit' is clicked to pay the deposit in advance before declaration, and the amount is not limited; clicking 'immediate payment' to pay the guarantee fee corresponding to the financing declaration order on line; clicking 'cancel' to give up payment of the deposit, and simultaneously canceling the corresponding financing order; click "go back" to apply for a deposit refund, as shown in fig. 13.

If the total amount of the funds which are cumulatively declared after the later period of payment is lower than the minimum standard for collecting the deposit, the payment of the deposit can be applied. If the customer does not refund, the fund reported in the later period is accumulated to the corresponding amount again, and the fund can be directly submitted to the declaration without paying the deposit again.

FIG. 13 is a financing security fund refund page in the standardized business model of the Rong e Tong international logistics settlement platform. Inputting refund reason, clicking the 'submit immediately' button to initiate the application of refund of guarantee money on line. After submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, and refund the corresponding deposit amount to the enterprise account after thawing. If the accumulated total amount of the financing enterprises in the later period exceeds the limit level of the declared funds again, the corresponding guarantee fund difference amount of the exceeded part needs to be paid again.

Fig. 14 is a drawing of an application page for making out an invoice for financing in the standardized business model of the honor e international logistics settlement platform. After the financing order completes the repayment of the interest, an interest to-be-invoiced data of the financing order is newly added in a list of invoicing application, an 'application invoicing' button is clicked, the application is submitted after the invoicing information is confirmed, and invoicing is waited; click on the order number and view the detailed information of the financing order. The interest charges of a plurality of returned financing orders can be applied to be issued in one invoice, namely, a plurality of orders to be issued are selected, a 'combination issuing' button is clicked, and the application is submitted after the issuing information is confirmed; clicking the 'billing record' button to check the information record of the submitted billing application.

The advantages of the standard model product are:

1. the declaration condition has a service foundation, real-name authentication guarantee and credit system evaluation, and the information is comprehensive, real and effective;

2. a plurality of payment scenes can be embedded, and the business payment requirements (accounts payable) of domestic and international logistics enterprises are greatly met;

3. the fund financing special fund is special, and fund flow, service flow, information flow and operation flow can be traced on line on a platform.

Example 2: E-Tong international logistics settlement platform financing service upgrade mode I

The flow and page of the first financing service upgrade mode of this embodiment are described as follows:

fig. 15 is a business model (upgrade model one) flow of upgrade optimization of the honor e-communication international logistics settlement platform. In the business model, an enterprise with collection requirements in the Rongtong platform is used as an operation main body and a guarantee party of financing business (namely an enterprise on the upstream seller in the supply chain), a downstream buyer enterprise with payment requirements in the supply chain is used as a borrower of the financing business, and enterprise information authentication and credit evaluation and accounts payable business transaction data and bill information in the platform are used as financing wind control.

In order to enhance risk control, enterprises of the guarantor and the borrower need to sign a financing agreement with the financial institution. In the later stage of deposit, the financial institution will remit the fund to the Rong E's account specified by the payee's enterprise. Meanwhile, in the time of the regulated account period, the borrower enterprise needs to return the principal and interest of the amount corresponding to the account to the appointed financial company through the Rong E platform, and the guarantor enterprise as the collection enterprise also needs to return the interest of the amount corresponding to the account to the appointed financial company through the Rong E platform.

Fig. 16 is a payment enterprise (financing claimant) financing service provision guidance page in the business model (upgrade model one) of the upgrade optimization of the ore communication international logistics settlement platform. The financing declaration in the business model is initiated by an actual receivable collection enterprise (hereinafter referred to as collection enterprise), the collection enterprise tenders financing interest (financing interest 1) after the fund is paid, and the actual payable payment enterprise (hereinafter referred to as payment enterprise) tenders financing interest (principal + financing interest 2). The financing interest 1 of the collection enterprise is different from the financing interest 2 of the payment enterprise, and the financial institution is used as the standard.

After the platform user completes the enterprise authentication, the system can automatically conduct credit investigation on the enterprise and evaluate the credit level of the enterprise. If the evaluation result and the transaction data of the authentication enterprise meet the condition of financial service opening of the Rong E platform supply chain, the system can guide the user to open in the form of pushing the in-station message and the mobile terminal WeChat message.

Fig. 17 is a payment receiving enterprise (financing claimant) financing service application page in the business model (upgrade model one) of the promotion optimization of the ore communication international logistics settlement platform. The application process for opening financing service mainly comprises the following steps: the method comprises the steps of (collection enterprise) application condition examination, real-name authentication, payment fee, authorization and approval, signing agreement and opening of financing service. If the platform user with the collection requirement meets the financing service application condition of the corresponding identity, the platform user clicks an immediate application button to jump to a real-name authentication link (figure 18) to apply for opening the financing service on line. If any application condition does not meet the specification, clicking the 'apply immediately' button to prompt that the condition is not met and not to pass.

For the platform user meeting the financing condition and having the requirement of fast collection of money, after obtaining the authorization and approval, the platform user needs to sign the financing agreement with the actual payable enterprise and the financial company, so that the receivable and payable enterprises in the actual business transaction need to be the platform users, respectively complete the real-name authentication of the enterprises and apply the electronic signature to sign the financing agreement on line.

Fig. 18-1 is a real name authentication portal page of a payee enterprise in the business model (upgrade model one) of the upgrade optimization of the honor e-currency international logistics settlement platform. The opening of the financing service requires a platform user to complete enterprise real-name authentication and claim an electronic signature, wherein the authentication entity comprises: personal real-name authentication of enterprise legal personnel and real-name authentication of application enterprises. In the authentication process, the enterprise can initiate authentication only after the enterprise legal person completes the authentication and passes the personal real-name authentication. Clicking the 'go to immediately' button, the system automatically judges whether the enterprise has an authentication action or not within a specified time, and whether an electronic signature is applied or not:

(1) if the electronic signature is not authenticated or authenticated but not claimed, skipping the authentication page for authentication or skipping the electronic signature page for claiming; (2) if the real name authentication and the signature claim are carried out within the specified time limit, the charge payment link is directly skipped (figure 19).

Fig. 18-2 is a real name authentication portal page of an enterprise due in the business model (upgrade model one) of the upgrade optimization of the honor e-communal logistics settlement platform. After the collection enterprise finishes the examination and approval of the financing authorization, the payment enterprise also finishes the enterprise real-name authentication and applies the electronic signature, and then goes to the financing service plate to sign the financing agreement on line.

Fig. 19 is a payment page of financing authentication fee of the collection enterprise in the business model (upgrade model one) of upgrade optimization of the platform for international logistics settlement of honor e. The financing authentication cost mainly comprises: and fee items such as real-name authentication fee, credit investigation fee, operation service fee and the like. The payment mode comprises the following steps: online to public payment, online code scanning payment, offline to public payment. If the enterprise has already done real-name authentication in the appointed time, the real-name authentication fee can not be paid. After the payment is successful, the honor e-tong platform sends the financing application information of the enterprise to the financial institution service provider for qualification audit, if the application enterprise passes the qualification audit, the financial institution and the platform grant corresponding account amount and account period (figure 20) for the enterprise and issue financing agreement.

Fig. 20 is a payment receiving enterprise financing certification approval result page in the business model (upgrade model one) of upgrade optimization of the ore communication international logistics settlement platform. If the credit is passed, the financial institution service provider and the honor e-communication platform distribute corresponding account amount and account amount for the enterprise according to the qualification of the enterprise; if the credit is not passed, the reason for refusal is informed, the customer checks the reason and can apply again after the condition is met, and the paid fee is not returned. Click the "please go out agreement" button and enter the agreement signing link (fig. 21).

Fig. 21-1 is a financing agreement signing link of a collection enterprise in a business model (upgrade model one) of upgrade optimization of a honor e-communication international logistics settlement platform. The financing service agreement under the business mode is a three-party agreement which needs to be signed by the financial service provider, the collection demand party and the payment demand party together. Clicking a 'go to sign' button, entering a financing agreement on-line signing page, and finishing agreement signing by an enterprise through a claimed electronic signature.

Fig. 21-2 is a financing agreement signing link of a payment enterprise in a business model (upgrade model one) of the upgrade optimization of the honor e-communication international logistics settlement platform. Checking the financing agreement on line, clicking 'go to sign' to go to the financing agreement signing page after confirming that no errors exist.

After the agreement is signed, the Rong E Tong platform will automatically open financing service for the collection enterprise and the payment enterprise respectively (FIG. 22-1, FIG. 22-2).

Fig. 22-1 is a financing service opening page of the collection enterprise in the business model (upgrade model one) of the upgrade optimization of the honor e-communication international logistics settlement platform. After the financing service is opened, the collection enterprise clicks an 'invoicing' button, skips an invoicing application page of the financing service opening application cost, inputs and confirms an invoicing information background and submits an invoicing application; before the service validity period is over, clicking a 'renewal' button to confirm and submit a renewal application of the financing service.

Clicking the "go to declaration" button, jumping to the financing declaration page (fig. 23);

clicking a 'prestore removing' button, and jumping to a guarantee fund payment page (figure 25);

clicking the 'go repayment' button, jumping to the financing repayment page (fig. 24-1).

Fig. 22-2 is a financing service opening page of a payment enterprise in a business model (upgrade model one) of the upgrade optimization of the honor e-communication international logistics settlement platform. After the financing service is opened, click the 'go repayment' button, and jump to the financing repayment page (fig. 24-2). In the business mode, the payment enterprises which passively open the financing service have no declaration and renewal authority.

Fig. 23 is a financing declaration page of the collection enterprise in the business model (upgrade model one) of the upgrade optimization of the ore-communal international logistics settlement platform. After the financing service is opened, the money collection requirement enterprise selects the service type and payment currency, fills in information such as invoice, declared amount and recipient enterprise account (fund account), uploads bill files such as order fee invoice and shipping bill, clicks a 'submit' button, and initiates a financing declaration action.

The financing declaration supports batch declaration of a plurality of invoices to be paid, the system automatically establishes an order after the declaration is submitted, and funds are remitted to a specified collection account through a financial institution after examination and approval. The collection enterprise confirms that the financing of the account is completed, and when the payment is paid in the later period, the collection enterprise and the payment enterprise need to respectively carry out repayment of corresponding financing interest and financing cost through respective repayment channels according to the financing order in the account period (figure 24-1 and figure 24-2).

If the collection enterprise finishes the payment confirmation of the financing order, namely the order payment state is changed into 'payment success', the collection enterprise and the payment enterprise can respectively carry out the repayment operation of the financing order in the account period. Only if the payment of the collection and payment enterprises are successful, the fully closed-loop financing order is really completed, and the corresponding account amount of the collection enterprise is automatically recovered.

Fig. 24-1 is a financing repayment page of a collection enterprise in a business model (upgrade model one) of upgrade optimization of the international logistics settlement platform for honor e, the collection enterprise is a financing sponsor, only financing interest is paid, and the amount to be repayed is the 'interest' amount of the corresponding financing order. Clicking 'immediate repayment' to carry out repayment operation of financing information, clicking 'detail' to check detailed information of the corresponding order, and clicking 'my repayment' to check repayment records of the order which is already repayed.

Fig. 24-2 is a financing repayment page of a payment enterprise in a business model (upgrade model one) of upgrade optimization of the honor e-currency logistics settlement platform, and the amount to be repayed is the total amount of "principal and interest" of the corresponding financing order. Clicking 'immediate repayment' to carry out repayment operation of financing information, clicking 'detail' to check detailed information of the corresponding order, and clicking 'my repayment' to check repayment records of the order which is already repayed.

Fig. 25 is a deposit payment page of the collection enterprise financing service in the business model (upgrade model one) of the promotion optimization of the ore-communication international logistics settlement platform. In the credit account amount, if the cumulated and declared fund exceeds the corresponding amount, the financing enterprise needs to pay a certain amount of guarantee money. The accumulated amount is different, and the corresponding deposit amount is different. When the financing application is carried out, the system automatically judges whether the application relates to the deposit according to the deposit calculation rule and the payment verification rule, if the deposit is related to the deposit, the immediate payment is clicked to pay the deposit cost corresponding to the financing application order on line, and if the deposit is not related, the deposit can be directly submitted to wait for approval.

Clicking the 'deposit rule description' to check the relevant description of the deposit; the 'pre-stored deposit' is clicked to pay the deposit in advance before declaration, and the amount is not limited; clicking 'cancel' to give up payment of the deposit, and simultaneously canceling the corresponding financing order; click "apply for refund" to apply for a deposit of guarantee (fig. 26).

Fig. 26 is a financing guarantee fund refund page of the collection enterprise in the business model (upgrade model one) of the upgrade optimization of the ore-communication international logistics settlement platform. Inputting refund reason, clicking the 'submit immediately' button to initiate the application of refund of guarantee money on line. After submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, and refund the corresponding deposit amount to the enterprise account after thawing. If the accumulated total amount of the financing enterprises in the later period exceeds the limit level of the declared funds again, the corresponding guarantee fund difference amount of the exceeded part needs to be paid again.

Fig. 27-1 is a billing application page of financing interest of the payee enterprise in the business model (upgrade model one) of the upgrade optimization of the ore communal logistics settlement platform, and fig. 27-2 is a billing application page of financing interest of the payer enterprise in the business model (upgrade model one) of the upgrade optimization of the ore communal logistics settlement platform. After the financing order completes the repayment of the interest, an interest to-be-invoiced data of the financing order is newly added in a list of invoicing application, an 'application invoicing' button is clicked, the application is submitted after the invoicing information is confirmed, and invoicing is waited; click on the order number and view the detailed information of the financing order. The interest charges of a plurality of returned financing orders can be applied to form an invoice, namely, a plurality of orders to be invoiced are selected, a 'combination invoicing' button is clicked, and the application is submitted after invoicing information is confirmed; clicking the 'billing record' button to check the information record of the submitted billing application.

The product advantages of the financing service upgrade mode one are as follows:

1. the declaration condition has a service foundation, real-name authentication guarantee, credit system evaluation, enterprise approval standard for cooperative clients, and comprehensive, real and effective information;

2. the system can meet the business stable collection requirements (accounts receivable) of domestic and international logistics enterprises and can also solve the payment fund pressure (accounts payable) of cooperative customers in time;

Example 3: financing service upgrading mode two of Rong E communication international logistics settlement platform

The flow and page of the financing service upgrade mode two of this embodiment are described as follows:

fig. 28 is a business model (upgrade model two) flow of upgrade optimization of the honor e-communication international logistics settlement platform. In the business model, a large enterprise with payment requirements and guarantee qualification in the honor e-tong platform is used as an operation subject and a borrower (namely a downstream purchasing enterprise in a supply chain) of the financing business, and the enterprise is guaranteed in the financing process. Meanwhile, enterprise information authentication and credit assessment of platform users and accounts receivable transaction data and bill information are used as financing wind control.

To enhance risk control, the borrower enterprise must enter into a financing agreement with the financial institution prior to financing. In the later period of deposit, the financial institution will remit the fund to the Rong E's record account appointed by the borrower's enterprise. After the deposit, the borrower enterprise needs to complete payment through the registered account receiving the account, and complete repayment of the corresponding amount within the specified accounting time.

Fig. 29 is a business model (upgrade model two) of upgrade optimization of the ore-clearing international logistics settlement platform, which is an enterprise financing service provision guidance page. After the platform user completes enterprise authentication, the system can automatically conduct credit investigation on the enterprise and evaluate the credit level of the enterprise. If the evaluation result and the transaction data of the authentication enterprise meet the condition of financial service opening of the Rong E platform supply chain, the system can guide the user to open in the form of pushing the in-station message and the mobile terminal WeChat message.

Fig. 30 is an enterprise financing service application page in the business model (upgrade model two) of the promotion optimization of the ore-communication international logistics settlement platform. The application process for opening financing service mainly comprises the following steps: the method comprises the steps of (core payment enterprise of the special expense payment requirement) application condition examination (real-name authentication of the core payment enterprise of the special expense payment requirement) > (core payment enterprise of the special expense payment requirement) payment expense (financial institution) authorization approval (core payment enterprise of the special expense payment requirement) signing agreement (core payment enterprise of the special expense payment requirement) financing service opening. If the platform user with special fee payment requirement meets the financing service application condition of the corresponding identity, the user clicks the immediate application button to jump to the real-name authentication link (figure 31) to apply for opening the financing service on line. If any application condition does not meet the specification, clicking the 'apply immediately' button to prompt that the condition is not met and not to pass.

Fig. 31 is an enterprise real-name authentication entry page in the business model (upgrade model two) of the promotion optimization of the ore-communal international logistics settlement platform. The activation of financing service requires the user to complete the enterprise real name authentication and claim the electronic signature, wherein the authentication entity comprises: personal real-name authentication of enterprise legal personnel and real-name authentication of application enterprises. In the authentication process, the enterprise can initiate authentication only after the enterprise legal person completes the authentication and passes the personal real-name authentication. Clicking the 'go to immediately' button, the system automatically judges whether the enterprise has an authentication action or not within a specified time, and whether an electronic signature is applied or not:

(1) if the electronic signature is not authenticated or authenticated but not claimed, skipping the authentication page for authentication or skipping the electronic signature page for claiming;

(2) if the real name authentication and signature claim are carried out within the specified time limit, the charge payment link is directly skipped (figure 32).

Fig. 32 is a financing authentication fee payment page in the business model (upgrade model two) of the promotion optimization of the ore communication international logistics settlement platform. The financing authentication cost mainly comprises: and fee items such as real-name authentication fee, credit investigation fee, operation service fee and the like. The payment mode comprises the following steps: online to public payment, online code scanning payment, offline to public payment. If the enterprise applies for the real-name authentication within the specified time before applying for the financing service, the real-name authentication cost does not need to be paid. After the payment is successful, the honor e-tong platform sends the financing application information of the enterprise to the financial institution service provider for qualification audit, if the application enterprise passes the qualification audit, the financial institution and the platform grant corresponding account amount and account period (figure 33) for the enterprise and issue a financing agreement.

Fig. 33 is a financing certification approval result page in the business model (upgrade model two) of the upgrade optimization of the honor e-communication international logistics settlement platform. If the credit is passed, the financial institution service provider and the honor e-communication platform distribute corresponding account amount and account amount for the enterprise according to the qualification of the enterprise; if the credit is not passed, the reason for refusal is informed, the customer checks the reason and can apply again after the condition is met, and the paid fee is not returned. Click the "please go out agreement" button and enter the agreement signing link (fig. 34).

Fig. 34 is a financing agreement signing link in the business model (upgrade model two) of the upgrade optimization of the ore communication international logistics settlement platform. After the financing credit is granted, the user can check and confirm the financing agreement on line, click the 'go to sign' button after confirming that the agreement is correct, and carry out the on-line sign of the agreement through the electronic signature which is already applied by the enterprise. After the agreement is signed, the honor e-tong platform automatically opens the financing service for the user (fig. 35).

Fig. 35 is a financing service opening page in the business model (upgrade model two) of the upgrade optimization of the ore international logistics settlement platform.

After the financing service is opened, the collection enterprise clicks an 'invoicing' button, skips an invoicing application page of the financing service opening application cost, inputs and confirms an invoicing information background and submits an invoicing application; before the service validity period is over, clicking a 'renewal' button to confirm and submit a renewal application of the financing service.

Clicking the "go to declaration" button, jumping to the financing declaration page (fig. 36);

click the "prestore removal" button, jump to the deposit payment page (fig. 39)

Clicking the "go to pay" button to jump to the financing payment page (FIG. 37);

clicking the "go repayment" button, jumping to the financing repayment page (fig. 38).

Fig. 36 is a financing declaration page in the business model (upgrade model two) of the promotion optimization of the honor e international logistics settlement platform. Selecting the service type and the payment currency, filling in the invoice, the declaration amount, the account information of the receiver enterprise, the payment bank account (fund account), and the like, uploading the bill files of the order expense invoice, the shipping bill, and the like, clicking a 'submission' button, and initiating the financing declaration action.

The financing declaration supports a plurality of batch declarations of issuing invoices to be paid, the system automatically establishes an invoice after submitting the declaration, and a user carries out fee payment by taking a single invoice in a financing order as a payment basis after approval (figure 37), but carries out interest repayment by taking the financing order as a basis when carrying out later-stage payment (figure 38).

Fig. 37 is a payment page after the approval of financing is passed in the business model (upgrade model two) of the upgrade optimization of the international logistics settlement platform of honor e. And listing all approved orders to be paid in the list to be processed, clicking an ' immediate payment ' button, and completing the payment operation of corresponding expenses through the Rong E's record account for financing fund posting. Click "details" to view details of the financing order. After the payment is completed, the user needs to pay the financing information through a payment channel in the account period (fig. 38).

Fig. 38 is a financing repayment page in the business model (upgrade model two) of the upgrade optimization of the honor e international logistics settlement platform. If the user finishes the payment of the financing order, namely the order payment state is changed into 'successful payment', the order instinct can be reimbursed at any time. Clicking an 'immediate repayment' button to perform repayment operation of the financing original message. And (4) the payment is successful, the fully closed-loop financing order is completed, and the corresponding account amount is automatically recovered.

Fig. 39 is a margin payment page of the financing service in the business model (upgrade model two) of the promotion optimization of the ore-communication international logistics settlement platform. In the credit account amount, if the cumulated and declared fund exceeds the corresponding amount, the financing enterprise needs to pay a certain amount of guarantee money. The accumulated amount is different, and the corresponding deposit amount is different.

And during financing reporting, the deposit calculation rule and the payment verification rule of the second upgrading mode tend to be consistent with the basic service mode, and only the proportion of the deposits is different to a certain extent. The calculation rule and the payment verification rule are as follows:

(1) guarantee fund calculation rule:

(2) payment verification rules:

Clicking the 'deposit rule description' to check the relevant description of the deposit; the 'pre-stored deposit' is clicked to pay the deposit in advance before declaration, and the amount is not limited; clicking 'immediate payment' to pay the guarantee fee corresponding to the financing declaration order on line; clicking 'cancel' to give up payment of the deposit, and simultaneously canceling the corresponding financing order; click "apply for refund" to apply for a deposit of guarantee (fig. 40).

Fig. 40 is a financing guarantee fund refund page in the business model (upgrade model two) of the upgrade optimization of the honor e international logistics settlement platform. Inputting refund reason, clicking the 'submit immediately' button to initiate the application of refund of guarantee money on line. After submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, and refund the corresponding deposit amount to the enterprise account after thawing. If the accumulated total amount of the financing enterprises in the later period exceeds the limit level of the declared funds again, the corresponding guarantee fund difference amount of the exceeded part needs to be paid again.

Fig. 41 is a drawing of an application page for making out an invoice for financing in the business model (upgrade model two) of the upgrade optimization of the platform for international logistics settlement of honor e. After the financing order completes the repayment of the interest, an interest to-be-invoiced data of the financing order is newly added in a list of invoicing application, an 'application invoicing' button is clicked, the application is submitted after the invoicing information is confirmed, and invoicing is waited; click on the order number and view the detailed information of the financing order. The interest charges of a plurality of returned financing orders can be applied to be issued in one invoice, namely, a plurality of orders to be issued are selected, a 'combination issuing' button is clicked, and the application is submitted after the issuing information is confirmed; clicking the 'billing record' button to check the information record of the submitted billing application.

The product advantages of the financing service upgrading mode two are as follows:

1. the declaration condition has a service foundation, real-name authentication guarantee, credit system evaluation, and comprehensive, real and effective information for the approval standard of the application enterprise by a platform;

2. the traditional business payment requirements (accounts payable) of domestic and international logistics enterprises can be met;

The supply chain financial service of the invention is an important function in the application standard business process of the internet technology, and once the supply chain financial service is realized, the wide enterprise users can enjoy the convenient service brought by the internet technology.

The present invention has been described in detail with reference to the examples, but the description is only for the preferred embodiments of the present invention and should not be construed as limiting the scope of the present invention. All equivalent changes and modifications made within the scope of the present invention shall fall within the scope of the present invention.

Claims

1. A supply chain financial financing service system of a Rong e Tong international logistics settlement platform is characterized in that the system takes the Rong e Tong international logistics settlement platform as a core platform, takes a user enterprise of the platform as a service object, conducts main body real name authentication guidance and credit rating on enterprises which accord with financing conditions on a supply chain, and provides financing service for the links of purchasing, selling and the like of the enterprises in the supply chain;

2. The service system according to claim 1, wherein the enterprise financing qualification determination means checking qualification application conditions of a financing enterprise, for example, if a user enterprise meets all conditions of qualification application and enters a next link, an enterprise that does not meet the requirements of application conditions is not applicable, and a reason is prompted;

the approval of the credit and agreement signing and financing service means that the honor e-platform can send financing application information of an enterprise to a financial institution service provider for qualification audit after the payment is successful, if the application enterprise passes the qualification audit, namely the credit passes, the financial institution service provider and the honor e-platform can distribute corresponding account amount and account period for the enterprise according to the qualification of the enterprise, and carry out online signing of the agreement through an electronic signature which is already claimed by the enterprise, the agreement signing is finished, and the honor e-platform automatically opens a financing service function for a client; if the credit is not passed, the reason of refusal is informed, the customer checks the reason and can apply again after the condition is met, and the paid fee is not returned;

3. The service system according to claim 2, wherein in the enterprise financing qualification determination step, the examination of qualification application conditions of the financing enterprise means that a platform user applying for a financial product service of a supply chain is required to complete enterprise authentication and off-line banking subscription and on-line honor e general filing corresponding to a financing entry bank account, and simultaneously satisfy prescribed conditions such as accumulated invoicing/payment transaction number in a single month or a specified period; after the platform user completes enterprise authentication, the system can automatically conduct credit investigation and research on the enterprise and evaluate the credit level of the enterprise, if the evaluation result and the transaction data of the enterprise are authenticated and the condition of financial service opening of the Rong E platform supply chain is met, the system can guide the user to open the enterprise in the form of pushing the in-station message and the mobile end WeChat message.

4. The service system according to claim 2, wherein the authentication entity for real-name authentication in the enterprise trust evaluation comprises: the method comprises the steps that personal real-name authentication of an enterprise legal person and real-name authentication of an applied enterprise are carried out, in the authentication process, only after the enterprise legal person completes and passes the personal real-name authentication, the enterprise can initiate the authentication, and if the enterprise legal person does not complete the real-name authentication or has authenticated but does not claim an electronic signature, a real-name authentication page is entered for authentication and claiming; if the real name authentication and the claim signature are carried out within the specified time limit, entering a charge payment link; the financing authentication cost for the financing authentication cost payment mainly comprises the following steps: the payment method comprises the following steps of using the cost items such as real-name authentication cost, credit investigation cost, operation service cost and the like: online to public payment, online code scanning payment and offline to public payment; if the real-name authentication is done within the designated time, the real-name authentication fee is not paid.

5. The service system of claim 2, wherein in the financing reporting and payment link, according to whether the accumulated and reported fund amount of the enterprise exceeds a certain limit after the financing reporting audit is passed, it is determined whether the platform user directly initiates a payment instruction of a financing order through a designated honor e-registered account or initiates a payment application of the financing order after paying a guarantee fee, and the financing service provider will pay in time to the corresponding payment account of the enterprise to complete the payment operation of the special financing;

preferably, in the step of financing declaration and payment, if the fund amount accumulated and declared by the enterprise after the financing declaration is approved exceeds a certain limit, the user needs to pay a certain proportion of deposit before the financing order is paid, and the user can continuously initiate the payment application of the financing order after the deposit is confirmed; if the fund amount accumulated and declared by the enterprise does not exceed the limit amount after the financing declaration is checked, the platform user can directly initiate a payment instruction of a financing order through the appointed Rong E-Tong filing account, the financing service merchant can put money to a corresponding payment account of the enterprise in time, and the platform can transmit the money to a corresponding bank after confirming the completion of the money transfer and the payment instruction of the customer, so as to complete the payment operation of special financing;

preferably, in the financing declaration of the enterprise, the service type and the payment currency are selected, information such as an invoice, a declaration amount, the account information of the receiving enterprise, a payment bank account (a fund account) and the like is filled, and bill files such as an order expense invoice, a shipping bill and the like are uploaded to initiate the financing declaration; further preferably, the financing declaration supports a plurality of batch declarations of invoices to be paid, the system automatically establishes a bill after submitting the declaration, the user pays the fee by taking a single invoice in the financing order as a payment basis after approval, and the repayment of the interest is carried out by taking the financing order as a basis during later reimbursement.

6. The service system of claim 2, wherein in the financing repayment link, the platform user needs to complete the repayment of the original message of the financing order by a Rong e communication online payment or offline payment water order uploading mode in the corresponding account period of the order, and after the repayment is successful, the fully closed-loop financing order is completed and the corresponding account amount is automatically recovered; if the user needs to make an invoice for interest charges corresponding to the financing principal, a single order or a plurality of orders to be made can be selected, the application for making the invoice is submitted after checking and confirming that the information for making the invoice is correct, the invoice is made waiting, and the detailed information of the corresponding order and the repayment record of the returned order can be checked.

7. The service system of claim 5, wherein the deposit calculation and payment verification rules are as follows: (1) guarantee fund calculation rule: the current accumulated application amount is multiplied by the proportion of the deposit-the current paid deposit; the current accumulated application amount is equal to the current declaration amount, the amount in the audit and the amount to be paid (not including the repayment amount); the current paid deposit is the pre-stored deposit plus the accumulated directly paid deposit (without the successful reimbursement amount and the amount in reimbursement processing); (2) payment verification rules: (the current accumulated application amount is multiplied by the proportion of the deposit) < the deposit paid at present, and the deposit is not paid; (the current accumulated application amount is multiplied by the proportion of the deposit) is more than or equal to the current deposited deposit, and the deposit needs to be deposited;

preferably, the user can perform operations of prestoring, paying, canceling, reimbursing and the like on the deposit, if the total amount of the funds accumulated and declared after the late reimbursement is lower than the minimum standard for collecting the deposit, the user can apply for reimbursement of the deposit, if the customer does not reimburse, the funds declared at the later stage are accumulated to the corresponding amount again, and the deposit can be directly submitted without paying the deposit again; after submitting the refund application, Rong E Tong will automatically account the limit level of the total amount of the current accumulated unreleased funds of the financing enterprise, refund the corresponding deposit amount to the enterprise account after thawing, if the accumulated total amount of the financing enterprise exceeds the limit level of the applied funds again in the later period, the corresponding deposit difference amount exceeding part needs to be remitted.

8. The service system according to any one of claims 1 to 7, wherein the service system comprises a service model standardized by a Rong e Tong international logistics settlement platform, is a financing service model supporting the service fee payment requirement of a specified transaction scenario, and is suitable for the special fee payment requirement of small and medium enterprises; the business mode takes a Rong E Tong platform as an operation main body of financing business, a certain appointed enterprise with guarantee qualification as a financing guarantee party, a user enterprise with the requirement of paying the booking business expense as a financing borrower, and enterprise information authentication and credit evaluation and accounts receivable business transaction data and bill information in the platform as financing wind control;

in the financing repayment link, in the financing declaration of the enterprise, the selection of a booking business transaction platform is required.

9. The service system according to any one of claims 1 to 7, wherein the service system further comprises an upgrade optimization mode (one) based on standardized business model for the hono-e-communication international logistics settlement platform, a financing service model supporting one-to-many fast payment requirements of a core enterprise and a plurality of payment clients appointed by the core enterprise, and the model is suitable for the fast payment requirements of special expenses of various large enterprises; in the business mode, an enterprise with collection requirements in a Rongtong platform is used as an operation main body and a guarantee party of financing business (namely an enterprise on the upstream seller in a supply chain), a downstream buyer enterprise with payment requirements in the supply chain is used as a borrower of the financing business, and enterprise information authentication and credit evaluation and accounts payable business transaction data and bill information in the platform are used as financing wind control;

10. The service system according to any one of claims 1 to 7, characterized in that the service system further comprises an upgrade optimization mode (II) of a Rong E communication international logistics settlement platform based on a basic business mode, a financing service mode supporting one-to-many quick payment requirements of a core enterprise and a plurality of suppliers thereof, and being suitable for special expense payment requirements of various large enterprises without specifying business transaction scenes; in the business mode, a large enterprise which has payment requirements and guarantee qualification in the Rongetong platform is used as an operation main body and a borrower (namely a downstream buyer enterprise in a supply chain) of financing business, guarantees are carried out on the enterprise in the financing process, and meanwhile, enterprise information authentication and credit evaluation of a platform user and accounts payable business transaction data and bill information are used as financing wind control;

the application process of the upgrade optimization mode (II) for opening financing service mainly comprises the following steps: the method comprises the following steps of (core payment enterprise of the special expense payment requirement) application condition examination (real-name authentication of the core payment enterprise of the special expense payment requirement) > (core payment enterprise of the special expense payment requirement) payment expense (financial institution) authorization approval (core payment enterprise of the special expense payment requirement) signing agreement (core payment enterprise of the special expense payment requirement) financing service opening; wherein, the core payment enterprise of the special expense payment requirement is the platform user;