WO2021063079A1

WO2021063079A1 - Electronic platform supply chain financial circulation method and system, terminal device and medium

Info

Publication number: WO2021063079A1
Application number: PCT/CN2020/102681
Authority: WO
Inventors: 肖光昱
Original assignee: 肖光昱
Priority date: 2019-09-30
Filing date: 2020-07-17
Publication date: 2021-04-08
Also published as: CN110689350A

Abstract

An electronic platform supply chain financial circulation method and system, a terminal device and a computer-readable storage medium. The method comprises: issuing a credit digital certificate on an electronic platform on the basis of self-owned credit data of a buyer of a supply chain (S100); and circulating the credit digital certificate to a seller upstream of the supply chain, and executing a corresponding operation on the digital certificate on the basis of the processing of the seller (S200).

Description

Electronic platform supply chain financial circulation method, system, terminal equipment and medium

This application claims the priority of the Chinese patent application filed on September 30, 2019, the application number is 201910951777.9, and the title is "electronic platform supply chain financial circulation method, system, terminal equipment and medium", the entire content of which is incorporated by reference In this application.

Technical field

This application relates to the technical field of Fintech (financial technology), and in particular to an electronic platform supply chain financial circulation method, system, terminal device, and computer-readable storage medium.

Background technique

With the active commercial activities and the coexistence of various settlement and payment methods, when people buy and sell payment for goods, they use barter or repayment of debt for transaction payment, and also use bills (commercial acceptance, bank acceptance, Check) payment and transaction payment by bank transfer, etc., but these methods are mainly realized by the face-to-face delivery of the account between the buyer and the seller, or the real-time delivery of bank deposits through their respective banking systems. , The delivery of the transaction accounts is done separately offline, so it is not only inconvenient to deliver and receive the transaction accounts, it is not easy to realize the financial circulation and delivery of multiple links in the transaction supply chain, resulting in the overall low efficiency of the transaction, but also Real-time occupation of a large amount of physical cash and bank deposits is not conducive to the development of economic activities.

Technical solutions

The main purpose of this application is to provide an electronic platform supply chain financial circulation method, device, terminal equipment, and computer-readable storage medium, aiming at the existing transaction financial circulation method, resulting in low overall transaction efficiency, which is not conducive to the development of economic activities technical problem.

In order to achieve the above objective, this application provides an electronic platform supply chain financial circulation method. The electronic platform supply chain financial circulation method includes:

Issuing a digital credit certificate based on the buyer's own credit data of the supply chain on the electronic platform;

Circulate the credit digital certificate to a seller upstream of the supply chain, and perform corresponding operations on the digital certificate based on the seller's processing.

Further, before the step of issuing credit digital vouchers on the electronic platform based on the supply chain buyer's own credit data, the method further includes:

The transaction content of the transaction between the buyer and the seller of the supply chain on the electronic platform is recorded.

Further, the step of issuing credit digital vouchers on the electronic platform based on the supply chain buyer's own credit data includes:

Generate the debt of the buyer's accounts payable and the creditor's rights of the seller's accounts receivable according to the transaction content;

Combining the self-owned credit data and the debt, issue a credit digital certificate representing the creditor's rights for the seller on the electronic platform.

Further, the step of issuing a credit digital certificate on the electronic platform based on the supply chain buyer's own credit further includes:

According to the self-owned credit data, the debt, and the confirmation line paid by the financial institution for the buyer, on the electronic platform, issue a credit digital certificate representing the creditor's rights for the seller.

Further, before the step of transferring the digital voucher to the seller upstream of the supply chain, the method further includes:

Invoking the confidentiality technology on the electronic platform to encrypt the issued credit digital certificate;

The step of transferring the digital certificate to a seller upstream of the supply chain includes:

Identify the credit level to which the own credit data belongs, and detect the liquidity of the financial circulation corresponding to the credit level;

According to the liquidity, the digital credit voucher is transferred to the seller who conducts a transaction with the buyer in the upstream of the supply chain.

Further, the steps for the seller to perform corresponding operations on the digital voucher include:

Detecting whether the seller rejects the digital credit certificate, and if the seller rejects the digital credit certificate, returning the digital credit certificate to the buyer according to the original transmission link;

If the seller does not reject the digital credit certificate and holds the payment, then the digital digital certificate is cleared at a preset fixed time;

If the seller does not reject the credit digital voucher and continues to circulate, the circulation is transferred to the seller's upstream supplier on the electronic platform.

Further, the step of clearing the credit digital voucher at a preset fixed time includes:

Detecting the digital credit certificate held by each node on the electronic platform at the preset fixed time;

The preset settlement center uniformly clears the credit digital vouchers held by each node.

In addition, in order to achieve the above-mentioned purpose, this application also provides an electronic platform supply chain financial circulation system, the electronic platform supply chain financial circulation system includes:

The voucher issuance module is used to issue digital credit vouchers on the electronic platform based on the supply chain buyer’s own credit data;

The financial circulation module is used to transfer the credit digital voucher to the seller upstream of the supply chain, and perform corresponding operations on the digital voucher based on the seller's processing.

This application also provides a terminal device, the terminal device comprising: a memory, a processor, and an electronic platform supply chain financial circulation program stored on the memory and running on the processor, the electronic platform supply chain When the financial circulation program is executed by the processor, the steps of the above-mentioned electronic platform supply chain financial circulation method are realized.

The present application also provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the above-mentioned electronic platform supply chain financial circulation method are realized.

The electronic platform supply chain financial circulation method, system, terminal equipment, and computer-readable storage medium proposed in this application issue credit digital vouchers based on the supply chain buyer’s own credit data on the electronic platform; transfer the credit digital vouchers to The seller upstream of the supply chain performs corresponding operations on the digital voucher based on the seller's processing. In this application, when the buyer and seller conduct transactions based on the electronic platform, the buyer's own credit data of the transaction supply chain is combined to issue a credit digital certificate for the transaction supply chain seller, and the issued credit data certificate is transferred to the transaction supply chain on the electronic platform The upstream seller allows the upstream seller to further process the credit digital voucher (for example, due payment, application for financing, or continued circulation), so as to realize the use of the credit digital voucher generated in conjunction with credit data on the electronic platform to replace the entity The financial flow of cash and bank deposits reduces the use of bank deposits and physical cash, saves the multi-stage financial settlement and delivery procedures in the supply chain, improves the overall efficiency of financial transactions, and greatly promotes the vitality of economic activities .

Description of the drawings

FIG. 1 is a schematic diagram of the structure of hardware operation involved in the solution of the embodiment of the present application;

2 is a schematic flowchart of a first embodiment of an electronic platform supply chain financial circulation method according to the present application;

3 is a detailed flowchart of step S200 in an embodiment of an electronic platform supply chain financial circulation method according to the present application;

4 is a schematic diagram of an application scenario of an embodiment of an electronic platform supply chain financial circulation method according to the present application;

Fig. 5 is a schematic diagram of the structure of an electronic platform supply chain financial circulation system of the present application.

The realization, functional characteristics, and advantages of the purpose of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings.

Embodiments of the present invention

It should be understood that the specific embodiments described here are only used to explain the application, and not used to limit the application.

As shown in FIG. 1, FIG. 1 is a schematic structural diagram of a hardware operating environment involved in a solution of an embodiment of the present application.

It should be noted that Fig. 1 can be a structural schematic diagram of the hardware operating environment of the terminal device. The terminal device in the embodiment of the present application may be a terminal device such as a PC and a portable computer.

As shown in FIG. 1, the terminal device may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002. Among them, the communication bus 1002 is used to implement connection and communication between these components. The user interface 1003 may include a display screen (Display) and an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a magnetic disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001.

Those skilled in the art can understand that the structure of the terminal device shown in FIG. 1 does not constitute a limitation on the terminal device, and may include more or less components than shown in the figure, or combine certain components, or arrange different components.

As shown in FIG. 1, the memory 1005, which is a computer storage medium, may include an operating system, a network communication module, a user interface module, and a processing program for distributed tasks. Among them, the operating system is a program that manages and controls the hardware and software resources of the sample terminal equipment, and supports the processing of distributed tasks and the operation of other software or programs.

In the terminal device shown in FIG. 1, the user interface 1003 is mainly used for data communication with various terminals; the network interface 1004 is mainly used for connecting to a back-end server and performing data communication with the back-end server; and the processor 1001 can be used to call the memory 1005 The electronic platform supply chain financial circulation program stored in the electronic platform, and perform the following operations:

Further, the processor 1001 may call the electronic platform supply chain financial transfer program stored in the memory 1005, and before executing the issuance of a credit digital voucher based on the supply chain buyer's own credit data on the electronic platform, it also performs the following operations:

Further, the processor 1001 may call the electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:

Generate the rights and obligations of the transaction payable accounts receivable according to the transaction content;

Combining the self-owned credit data and the rights and obligations, issue a credit digital certificate for the seller on the electronic platform.

According to the self-owned credit data, the rights and obligations, and the amount of confirmation paid by the financial institution for the buyer, on the electronic platform, the seller is issued a credit digital certificate representing the creditor's rights.

Further, the processor 1001 may call the electronic platform supply chain financial transfer program stored in the memory 1005, and before executing the transfer of the digital voucher to the seller upstream of the supply chain, it may also perform the following operations:

The processor 1001 may call the electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:

According to the liquidity, the encrypted digital credit certificate is transferred to the seller who conducts a transaction with the buyer in the upstream of the supply chain.

Based on the above structure, various embodiments of the supply chain financial circulation method of the electronic platform of the present application are proposed.

Please refer to FIG. 2, which is a schematic flowchart of a first embodiment of a supply chain financial circulation method for an electronic platform of this application.

The embodiment of this application provides an embodiment of the electronic platform supply chain financial circulation method. It should be noted that although the logical sequence is shown in the flowchart, in some cases, the sequence may be executed in a different order than here. Steps shown or described.

The electronic platform supply chain financial circulation method of the embodiment of the application is applied to the above-mentioned terminal device. The terminal device of the embodiment of the application may be a terminal device such as a PC, a portable computer, etc., which is not specifically limited here.

The financial circulation method of the electronic platform supply chain in this embodiment includes:

In step S100, a digital credit certificate is issued on the electronic platform based on the supply chain buyer's own credit data.

On the electronic platform where buyers and sellers conduct transactions, the buyer issues a credit digital certificate for the seller of this transaction based on its own credit data.

It should be noted that the electronic platforms for both buyers and sellers to conduct transactions include but are not limited to: ERP (Enterprise Resource Planning: Enterprise Resource Planning) business platform, blockchain platform, Internet platform, mobile Internet platform, cloud platform and big data platform, among which the blockchain platform includes: private chain underlying technology platform, alliance chain underlying technology platform and public ownership The underlying technology platform of the chain.

It should be noted that while the buyer issues a credit digital certificate for the seller of this transaction based on its own credit data, it also issues a commitment performance letter for the seller to perform the debt guarantee for the accounts payable generated in the transaction.

It should be noted that the credit types of self-owned credit data include, but are not limited to: personal credit, corporate credit, bank credit, and national credit.

Specifically, for example, the buyer’s company and the seller’s company conduct transactions through the underlying technology platform of the alliance chain on the blockchain platform, thereby signing an electronic smart purchase and sale contract on the underlying technology platform of the alliance chain, and the seller’s company will deliver the electronic reconciliation. After the buyer’s company receives the electronic reconciliation voucher delivered by the seller’s company and is confirmed by both parties, the buyer’s company issues an electronic value-added tax invoice to the seller. The buyer’s company and the seller’s company jointly use the invoice to confirm that the buyer’s company pays and The accounts receivable of the seller enterprise (the accounts payable and receivable are the same) are based on the transaction background between the buyer’s enterprise and the seller’s enterprise on the underlying technology platform of the alliance chain. The buyer’s enterprise is based on the credit type of personal credit or corporate credit The company’s own credit data (such as asset and liability data such as cash and deposit receivables and payables), as well as banks and non-banks and other financial institutions that provide the buyer’s company for the transaction with the confirmation line for the accounts payable of this transaction. On the underlying technology platform of the alliance chain, the seller company for this transaction issued a credit number that records the transaction data and the amount of the account receivable from the current transaction data on the underlying technology platform of the alliance chain. Evidence, as well as the buyer’s company guaranteeing the performance of the debt incurred in the transaction.

Further, in another embodiment, in step S100, before issuing a credit digital certificate on the electronic platform based on the supply chain buyer's own credit data, the electronic platform supply chain financial circulation method of this application further includes:

Step A: Record the transaction content of the transaction between the buyer and the seller of the supply chain on the electronic platform.

For the purchase and sale activities between buyers and sellers on various electronic platforms, the corresponding electronic platforms will record the contents of each transaction.

Specifically, for example, when a buyer’s company and a seller’s company conduct transactions through the underlying technology platform of the alliance chain of the blockchain platform, the transaction purchase and sale contract between the buyer’s company and the seller’s company is generated by the underlying technology platform of the alliance chain. , Logistics information (electronic statements and confirmation vouchers for buyers and sellers), invoices and other transaction content are recorded.

Further, in step S100, issuing a credit digital certificate based on the supply chain buyer's own credit data on the electronic platform includes:

Step S101: Generate the rights and obligations of the transaction payable accounts receivable according to the transaction content.

Specifically, for example, when a buyer’s company and a seller’s company conduct transactions through the underlying technology platform of the alliance chain of the blockchain platform, and complete the transaction purchase and sale contract and logistics generated by the underlying technology platform of the alliance chain in this transaction purchase and sale activity Information (electronic statements and confirmation vouchers for buyers and sellers), invoices and other transaction content, and based on the recorded transaction purchase and sales contracts, logistics information (electronic statements and confirmation vouchers for buyers and sellers), invoices and other transaction content to generate the purchase and sales activities of this transaction. The obligations of the accounts payable for this transaction are the same as the seller’s right to receivable accounts for this transaction. Among them, the accounts payable by the buyer’s company are the same as those receivable by the seller’s company.

Step S102, combining the own credit data and the rights and obligations, issue a credit digital certificate for the seller on the electronic platform.

Specifically, for example, on the underlying technology platform of the alliance chain that currently records various transactions in the purchase and sale activities between the buyer’s enterprise and the seller’s enterprise, combined with the buyer’s own credit data (such as cash and deposits) of the buyer’s enterprise in this transaction. Receivables and payables and other asset and liability data), and based on the recorded transaction purchase and sales contracts, logistics information (electronic statements and confirmation vouchers for buyers and sellers), invoices and other transaction content to generate the purchase and sales activities of this transaction. Obligations and the right of the seller’s company to receivable accounts for this transaction, the seller’s company for this transaction’s purchase and sales activities issued a record of the creditor’s rights and debts of the seller’s receivables payable by the buyer and the seller from the underlying technology platform of the current alliance chain Credit digital vouchers for event data and account amounts, as well as a commitment performance letter from the buyer’s enterprise to guarantee the performance of the debts generated by the transaction.

Further, in another embodiment, in step S100, in issuing a credit digital voucher on the electronic platform based on the supply chain buyer’s own credit data, in step S101, the right to trade accounts receivable is generated based on the transaction content After the obligation, it also includes:

Step S103, based on the self-owned credit data, the rights and obligations, and the confirmation limit paid by the financial institution for the buyer, issue a credit digital certificate representing the creditor's rights for the seller on the electronic platform.

Specifically, for example, on the underlying technology platform of the alliance chain that currently records various transactions in the purchase and sale activities between the buyer’s enterprise and the seller’s enterprise, combined with the buyer’s own credit data (such as cash and deposits) of the buyer’s enterprise in this transaction. Receivables and payables and other asset and liability data), and based on the recorded transaction purchase and sales contracts, logistics information (electronic statements and confirmation vouchers for buyers and sellers), invoices and other transaction content to generate the purchase and sales activities of the purchase and sales activities of the buyer’s company to pay for the transaction. Obligations and the right of the seller’s company to receivable accounts for this transaction, as well as banks and non-banks and other financial institutions granting the buyer’s company to the buyer’s company for the transaction’s accounts payable confirmation line (in banks and non-banks and other financial The agency gives the buyer’s company of the transaction to the account payable of the transaction within the confirmation limit), and the seller’s company in the purchase and sales activity of this transaction issues a record of the transaction captured from the underlying technology platform of the current alliance chain The transaction data of the creditor's rights and debts of the buyers and sellers payable to the accounts receivable and the credit digital vouchers of the amount of the accounts, as well as the commitment performance letter of the buyer's enterprise to guarantee the performance of the debts generated by the transaction.

It should be noted that in this embodiment, the buyer enterprise of the transaction activity can independently determine whether it needs to issue a digital credit certificate for the seller enterprise based on the confirmation line paid by the financial institution for the buyer enterprise for this transaction according to its own needs, for example, The buyer company of the transaction activity does not consider the liquidity of the digital credit certificate issued on the current electronic platform, and can guarantee that the seller company with which it deals with will accept the digital certificate issued by it, then the buyer company can choose not to combine The financial institution issues the credit digital voucher for the confirmation line paid by the buyer’s company for this transaction. Otherwise, the buyer company needs to choose to issue the credit in combination with the confirmation line paid by the financial institution for the buyer’s company for this transaction. Digital vouchers, in this way, on the premise that the credit digital vouchers generated in conjunction with credit data can be circulated normally, the flexibility of issuing credit digital vouchers is further improved.

Step S200: Circulate the credit digital voucher to a seller upstream of the supply chain, and perform corresponding operations on the digital voucher based on the seller's processing.

After the buyer to be traded issues a digital credit voucher for the seller of this transaction based on its own credit data, the digital credit voucher issued is transferred to the seller on the upstream node of the current transaction supply chain on the electronic platform where the current buyer and the seller conduct the transaction. For the seller to receive, and based on the seller's current digital credit certificate holding due collection, application for financing, transfer or split transfer and other processing, the corresponding settlement and clearing or continued transfer and other operations on the current electronic platform are executed.

Specifically, for example, in the application scenario shown in Figure 4, the buyer company in the transaction has its own credit data (such as asset and liability data such as cash and deposit receivables and payables) based on the credit type of personal credit or corporate credit, and Banks and non-banks and other financial institutions have given the buyer’s company of the transaction a confirmation line for the accounts payable of this transaction. On the current alliance chain underlying technology platform, the seller’s company of this transaction has issued a digital credit certificate and After the commitment performance letter is issued, the credit digital certificate and the commitment performance letter will be transferred to the seller company located at the upstream node of the transaction supply chain recorded on the current alliance chain underlying technology platform, and the seller company will purchase and sell according to the current transaction record recorded by the current credit digital certificate The transaction data and the amount of the accounts receivable, and the buyer’s company represented in the commitment performance letter to perform the guarantee of the debt incurred in the transaction, decided to receive the current credit digital certificate.

Therefore, the seller enterprise can perform the holding and maturity collection processing for the currently received credit digital certificate, and the current alliance chain underlying technology platform corresponds to the settlement and settlement time for the seller enterprise and pays the seller enterprise for the transaction receivable In addition, if the seller company continues to circulate the current received digital credit vouchers as a whole, or continues to circulate after splitting the credit digital vouchers, the seller’s company will continue to be transferred to the underlying technology platform of the current alliance chain. The received digital credit vouchers as a whole or multiple digital credit vouchers after splitting are transferred to the supply chain node designated by the current seller enterprise.

It should be noted that in this embodiment, on the current underlying technology platform of the alliance chain, the above-mentioned buyer company issues a credit digital certificate, transfers the credit digital certificate to the seller company, and the seller company receives the credit digital certificate and executes settlement and settlement accordingly. Payment or continued circulation is regarded as a process of fulfilling the rights and obligations of the current transaction between the buyer’s enterprise and the seller’s enterprise and the settlement of payments. When the seller’s enterprise continues to circulate the received credit digital vouchers, the underlying technology of the current alliance chain On the platform, repeat the cycle above.

In this embodiment, by combining the buyer’s own credit data of the transaction supply chain when the buyer and seller conduct a transaction on the electronic platform, the seller of the transaction supply chain issues a credit digital voucher for the seller of the transaction supply chain, and the buyer to be traded is based on the own credit data for this transaction. After the seller issues a credit digital voucher, on the electronic platform where the current buyer and seller conduct the transaction, the issued credit digital voucher is transferred to the seller at the upstream node of the current transaction supply chain for the seller to receive, and based on the seller’s current credit number The processing of holding and maturity collection, financing application, circulation or splitting of the vouchers shall be carried out on the current electronic platform to perform settlement and liquidation or continue the circulation and other operations.

Achieved, the use of credit digital vouchers generated in combination with credit data on the electronic platform to replace physical cash and bank deposits for financial circulation, reduces the use of bank deposits and physical cash, and saves the multi-stage financial settlement and delivery procedures in the supply chain , Which improves the overall efficiency of financial transactions and greatly promotes the activity of economic activities.

Further, based on the first embodiment of the above-mentioned electronic platform supply chain financial circulation method, a second embodiment of the electronic platform supply chain financial circulation method of the present application is proposed.

In the second embodiment of the electronic platform supply chain financial circulation method of the present application, in the above step S200, the credit digital certificate is transferred to the seller upstream of the supply chain, and the digital certificate is processed based on the seller's processing. Before performing the corresponding operations, the supply chain financial circulation method of the electronic platform of this application also includes:

Step B: Invoking the confidentiality technology on the electronic platform to encrypt the issued digital credit certificate.

After the buyer of the transaction issues a credit digital certificate for the seller of this transaction based on its own credit data, on the current electronic platform where the buyer and the seller conduct the transaction, call the electronic platform’s own or compatible security technology (for example, blockchain) The platform itself carries highly confidential asymmetric encryption technology, etc.) to encrypt the digital credit certificate issued by the buyer, thereby ensuring the authenticity of the digital credit certificate issued by the buyer and ensuring that the digital credit certificate is in the current electronic Security in the process of circulation on the platform.

Further, in step S200, transferring the digital voucher to a seller upstream of the supply chain includes:

Step S201: Identify the credit level to which the self-owned credit data belongs, and detect the liquidity of the financial circulation corresponding to the credit level.

Step S202: According to the liquidity, the encrypted digital credit certificate is transferred to the seller who conducts transactions with the buyer in the upstream of the supply chain.

The buyer of the transaction issues a digital credit certificate for the seller based on its own credit data, and encrypts the digital certificate of credit issued by the buyer by calling the current electronic platform for the transaction between the buyer and the seller to own or compatible with the security technology. After processing, the electronic platform will identify the buyer’s own credit data based on the credit level to which the credit type belongs, and whether the buyer has issued the current credit digital voucher based on the current credit type based on the confirmation line that the financial institution has paid for the buyer’s enterprise for the transaction. Corresponding to the liquidity of financial circulation on the electronic platform, and transfer the issued digital credit certificate to the seller of the transaction supply chain in accordance with the determined level of liquidity.

Specifically, for example, the current underlying technology platform of the alliance chain identifies the type of credit to which asset and liability data such as cash and deposit receivables and payables belong to the credit type of which the buyer’s company issues credit digital vouchers for the seller’s company—personal credit or enterprise Credit, the credit level to which it belongs is low-level credit, so it is detected that the liquidity of the digital certificate corresponding to the low-level credit on the current alliance chain underlying technology platform is "poor", then further, the combination of the buyer's enterprise is currently combined with the bank or Non-banks and other financial institutions pay for the purchaser’s company for the current transaction. The amount of confirmation is the credit digital certificate issued by the seller’s company. Correspondingly, it is determined that the current credit digital certificate issued on the underlying technology platform of the alliance chain is "good." "Therefore, in accordance with the currently detected "good" liquidity, the digital credit certificate issued by the buyer's company will be transferred to the seller's company on the current underlying technology platform of the alliance chain.

It should be noted that in this embodiment, since the credit type is personal credit or enterprise credit, the corresponding credit level is low, and the liquidity of the corresponding credit digital certificate on the electronic platform is "poor", and the credit type is bank credit Or the national credit bureau corresponds to a high credit level, and the corresponding credit digital certificate has a "good" liquidity on the electronic platform. In addition, if the buyer issues a credit digital certificate with a bank or non-bank financial institution for the transaction The confirmation limit paid by the buyer’s company can assume that the credit type of the buyer’s own credit data will be upgraded from "personal credit or corporate credit" to "bank credit or national credit". Therefore, generally speaking, the transaction buyer is issuing a credit digital certificate In the past, usually after applying for the bank to pay the confirmation line, the seller will issue the credit digital voucher within the package line.

Further, please refer to FIG. 3, which is a detailed flow diagram of the steps of performing corresponding operations on the digital voucher based on the seller's processing in step S200 in the above embodiment. In the above step S200, based on the The seller’s processing to perform corresponding operations on the digital certificate includes:

Step S203: It is detected whether the seller rejects the digital credit voucher, and if the seller rejects the digital credit voucher, the digital credit voucher is returned to the buyer according to the original transmission link.

Specifically, for example, the buyer's company in the transaction is based on its own credit data (such as asset and liability data such as cash and deposit receivables and payables) based on the credit type of personal credit or corporate credit, and financial institutions such as banks and non-banks grant the transaction The buyer’s company for this transaction’s account payable payment confirmation line, on the current alliance chain underlying technology platform, the seller’s company for this transaction has issued a credit digital certificate and a commitment performance letter, and the credit digital certificate and After the performance letter of commitment is transferred to the seller company located at the upstream node of the transaction supply chain recorded by the current alliance chain's underlying technology platform, if the seller company detects the current credit digital vouchers for the transaction, the seller and the buyer should pay the debts and debts of the accounts receivable When the item data and the amount of the account do not match the actual amount, or because the buyer’s company has not issued the current credit digital voucher in conjunction with the confirmation of the financial institution, the current credit digital voucher has execution risks that the seller company cannot bear, the seller company may refuse to accept the current Credit digital vouchers, on the underlying technology platform of the current alliance chain, the credit digital vouchers rejected by the seller's enterprise will be immediately returned to the buyer's enterprise according to the circulation path of the original transaction supply chain.

In step S204, if the seller does not reject the digital credit certificate and holds the payment, the digital credit certificate is cleared at a preset fixed time.

It should be noted that the preset fixed time is the fixed time preset by the electronic platform for the current buyer and seller to conduct transactions on the supply chain nodes of all transactions on the current platform for transaction account settlement and clearing, for example, set daily 00:00 is the settlement and settlement time. After the platform time reaches this moment, other operations on the platform are stopped, and the transaction account settlement and settlement of all transaction supply chain nodes is started.

Specifically, for example, in the application scenario shown in Figure 4, if the seller company detects the current transaction data recorded by the current credit digital voucher, the transaction data and the actual amount of the accounts receivable The amount is true, or because the buyer’s company combined with the confirmation of the financial institution to issue the current digital credit certificate, or the buyer’s company has not combined the confirmation of the financial institution to issue the current credit digital certificate, the execution risk caused by the seller’s company can accommodate, so the seller can accommodate The enterprise confirms and receives the current digital credit certificate, and further performs the holding and maturity collection process on the currently received digital credit certificate, then the current alliance chain underlying technology platform corresponds to the preset settlement and settlement time, and it is unified as the seller The enterprise settles and pays the seller’s accounts receivable for this transaction.

Further, in another embodiment, if the seller enterprise applies for financing from the funder of a financial institution or quasi-financial institution for the currently received credit digital certificate, the seller enterprise will apply for financing on the underlying technology platform of the current alliance chain. The funder of the financial institution or financial institution similar to the transaction pays the account payable for the transaction on behalf of the seller company of the transaction, so that the seller company can receive the transaction in advance before the time for the unified settlement and clearing of the underlying technology platform of the current alliance chain Of accounts.

Further, in step S204, clearing the credit digital voucher at a preset fixed time includes:

Step S2041: Detect the digital credit certificate held by each node on the electronic platform at the preset fixed time.

Specifically, for example, when it is detected that the system time of the underlying technology platform of the current alliance chain reaches the preset fixed time for the settlement and settlement of transaction accounts for all the transaction supply chain nodes on the platform, the current underlying technology of the alliance chain is detected Credit digital certificates owned by each node in the supply chain of all transactions recorded on the platform.

In step S2042, the preset settlement center uniformly clears the credit digital vouchers held by each node.

Specifically, for example, the preset settlement center on the underlying technology platform of the current alliance chain uniformly settles the credit digital vouchers owned by each node in the supply chain of all transactions recorded, and realizes the settlement through a bank account. The actual receipt and payment of funds for the period transaction account.

It should be noted that the default settlement center can be set up on various electronic platforms, or it can also be set on interconnected platforms such as banks, banks and enterprises, so that the bank will manage the settlement and clearing work on its behalf. The working principle of the default settlement center is that all electronic platforms All buyers and sellers who conduct transactions on the platform, as well as financial institutions and financial institutions such as banks that conduct financial transfers, write-offs, and other businesses on the electronic platform, all open virtual clearing accounts on the current preset settlement center, and all open and receive virtual clearing accounts. All parties in the transaction to the credit digital vouchers and the due payment are only settled with the clearing center. At the end of the day, the credit digital vouchers issued by the parties and the expired credit digital vouchers are netted, and the amount of the difference is It is the amount payable or receivable on the same day. Once the platform time reaches the fixed time for settlement and settlement, all parties and banks will pay the account of the default settlement center or receive the payment from the default settlement center. Complete the payment or collection of the bank account accordingly.

Step S205: If the seller does not reject the digital credit certificate and continues to transfer, then transfer the transfer to the seller's upstream supplier on the electronic platform.

Specifically, for example, in the application scenario shown in Figure 4, if the seller company detects the current transaction data recorded by the current credit digital voucher, the transaction data and the actual amount of the accounts receivable The amount is true, or because the buyer’s company combined with the confirmation of the financial institution to issue the current digital credit certificate, or the buyer’s company has not combined the confirmation of the financial institution to issue the current credit digital certificate, the execution risk caused by the seller’s company can accommodate, so the seller can accommodate The enterprise confirms and receives the current digital credit vouchers, and further continues the circulation of the currently received digital credit vouchers, or continues the circulation after splitting the digital credit vouchers, then the corresponding continue on the underlying technology platform of the current alliance chain Circulate the entire digital credit certificate received by the seller company or multiple digital credit certificates after splitting to the supplier of the upstream node of the supply chain designated by the current seller company, so that after the upstream supplier receives the digital credit certificate, Continue to carry out holding and maturity collections, apply for financing and/or continue to transfer processing.

In this embodiment, after the buyer of the transaction issues a credit digital voucher for the seller of the transaction based on its own credit data, the current electronic platform for the transaction between the buyer and the seller is invoked to call the confidentiality that the electronic platform owns or is compatible with. Technology (for example, the blockchain platform itself carries a highly confidential asymmetric encryption technology, etc.) to encrypt the digital credit certificate issued by the buyer, so as to ensure the authenticity of the digital credit certificate issued by the buyer and guarantee The security of the digital credit certificate in the process of circulation on the current electronic platform; and through the preset settlement center, unified transactions between buyers and sellers on the electronic platform, as well as between banks and other financial institutions and financial institutions on the electronic platform Financial transfers, write-offs and other businesses are settled and cleared, so that at the end of the daily transaction on the platform, the credit digital vouchers issued by each node and the amount of the expired credit digital vouchers are netted, and the amount of the difference is the same day. For the amount payable or receivable, once the platform time reaches the fixed time set in advance for settlement and clearing, each node and bank will pay the account of the preset settlement center or receive the payment from the preset settlement center, the real bank account The payment or collection of payments is completed accordingly, and the settlement and settlement of financial flows on the electronic platform are unified at a fixed time through the establishment of a settlement center, which avoids the separate and complicated settlement and transaction accounts of each node during each transaction. The collection and payment operations not only reduce the cash occupancy of bank deposits of both parties to the transaction, but also speed up the turnover of funds in the supply chain of both parties to the transaction, and improve the efficiency of capital use.

In addition, please refer to Fig. 5, an embodiment of this application also proposes an electronic platform supply chain financial circulation system. The electronic platform supply chain financial circulation system of this application includes:

Preferably, the electronic platform supply chain financial circulation system of this application further includes:

The recording module is used to record the transaction content of the transaction between the buyer and the seller in the supply chain on the electronic platform.

Preferably, the credential issuance module includes:

The generating unit is used to generate the rights and obligations of the transaction payable accounts receivable according to the transaction content;

The first issuance unit is used to combine the own credit data and the rights and obligations to issue a digital credit certificate for the seller on the electronic platform.

Preferably, the credential issuance module further includes:

The second issuance unit is used to issue a credit representing the claim for the seller on the electronic platform based on the own credit data, the rights and obligations, and the confirmation limit paid by the financial institution for the buyer Digital certificate.

The encryption module is used to invoke the confidentiality technology on the electronic platform to encrypt the issued digital credit certificate;

Financial circulation module, including:

An identification unit for identifying the credit level to which the own credit data belongs, and detecting the liquidity of the financial circulation corresponding to the credit level;

The first transfer unit is configured to transfer the encrypted digital credit certificate to the seller who conducts transactions with the buyer in the upstream of the supply chain according to the liquidity.

Preferably, the financial circulation module further includes:

The circulation return unit is configured to detect whether the seller rejects the digital credit certificate, and if the seller rejects the digital credit certificate, return the digital credit certificate to the buyer according to the original transmission link;

The clearing unit is configured to clear the digital credit voucher at a preset fixed time if the seller does not reject the digital credit voucher and holds the payment;

The second circulation unit is configured to transfer the circulation to the seller's upstream supplier on the electronic platform if the seller does not reject the digital credit certificate and continues circulation.

Preferably, the clearing unit includes:

A detection unit, configured to detect the digital credit certificate held by each node on the electronic platform at the preset fixed time;

The unified clearing subunit is used for the preset clearing center to uniformly clear the credit digital vouchers held by each node.

Each functional module of the electronic platform supply chain financial circulation system proposed in this embodiment realizes the steps of the above-mentioned electronic platform supply chain financial circulation method during operation, which will not be repeated here.

In addition, the embodiment of the present application also proposes a computer-readable storage medium, which is applied to a computer. The computer-readable storage medium may be a non-volatile computer-readable storage medium, and the computer-readable storage medium stores an electronic platform supply A chain financial circulation program, which implements the steps of the electronic platform supply chain financial circulation method as described above when the electronic platform supply chain financial circulation program is executed by a processor.

Wherein, the steps implemented when the electronic platform supply chain financial circulation program running on the processor is executed can refer to the various embodiments of the electronic platform supply chain financial circulation method of this application, which will not be repeated here.

It should be noted that in this article, the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements not only includes those elements, It also includes other elements not explicitly listed, or elements inherent to the process, method, article, or system. Without more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, article, or system that includes the element.

The serial numbers of the foregoing embodiments of the present application are only for description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above implementation manners, those skilled in the art can clearly understand that the above-mentioned embodiment method can be implemented by means of software plus the necessary general hardware platform, of course, it can also be implemented by hardware, but in many cases the former is better.的实施方式。 Based on this understanding, the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disk, The optical disc) includes several instructions to enable a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method described in each embodiment of the present application.

The above are only the preferred embodiments of the application, and do not limit the scope of the patent for this application. Any equivalent structure or equivalent process transformation made using the content of the description and drawings of the application, or directly or indirectly applied to other related technical fields , The same reason is included in the scope of patent protection of this application.

Claims

An electronic platform supply chain financial circulation method, wherein the electronic platform supply chain financial circulation method includes:

Issuing a digital credit certificate based on the buyer's own credit data of the supply chain on the electronic platform;

Circulate the credit digital certificate to a seller upstream of the supply chain, and perform corresponding operations on the digital certificate based on the seller's processing.
The electronic platform supply chain financial circulation method of claim 1, wherein before the step of issuing a credit digital certificate on the electronic platform based on the supply chain buyer's own credit data, the method further comprises:

The transaction content of the transaction between the buyer and the seller of the supply chain on the electronic platform is recorded.
3. The electronic platform supply chain financial circulation method according to claim 2, wherein the step of issuing a credit digital certificate on the electronic platform based on the supply chain buyer's own credit data comprises:

Generate the rights and obligations of the transaction payable accounts receivable according to the transaction content;

Combining the self-owned credit data and the rights and obligations, issue a credit digital certificate for the seller on the electronic platform.
3. The electronic platform supply chain financial circulation method according to claim 2, wherein the step of issuing a credit digital certificate on the electronic platform based on the supply chain buyer's own credit data, further comprises:

Generate the rights and obligations of the transaction payable accounts receivable according to the transaction content;

According to the self-owned credit data, the rights and obligations, and the amount of confirmation paid by the financial institution for the buyer, on the electronic platform, the seller is issued a credit digital certificate representing the creditor's rights.
The method of electronic platform supply chain financial circulation according to claim 1, wherein before the step of transferring the digital voucher to the seller upstream of the supply chain, the method further comprises:

Invoking the confidentiality technology on the electronic platform to encrypt the issued credit digital certificate;

The step of transferring the digital certificate to a seller upstream of the supply chain includes:

Identify the credit level to which the own credit data belongs, and detect the liquidity of the financial circulation corresponding to the credit level;

According to the liquidity, the encrypted digital credit certificate is transferred to the seller who conducts a transaction with the buyer in the upstream of the supply chain.
5. The electronic platform supply chain financial circulation method of claim 1, wherein the step of performing corresponding operations on the digital voucher based on the seller's processing includes:

Detecting whether the seller rejects the digital credit certificate, and if the seller rejects the digital credit certificate, returning the digital credit certificate to the buyer according to the original transmission link;

If the seller does not reject the digital credit certificate and holds the payment, then the digital digital certificate is cleared at a preset fixed time;

If the seller does not reject the credit digital voucher and continues to circulate, the circulation is transferred to the seller's upstream supplier on the electronic platform.
8. The electronic platform supply chain financial circulation method of claim 6, wherein the step of clearing the credit digital voucher at a preset fixed time comprises:

Detecting the digital credit certificate held by each node on the electronic platform at the preset fixed time;

The preset settlement center uniformly clears the credit digital vouchers held by each node.
An electronic platform supply chain financial circulation system, wherein the electronic platform supply chain financial circulation system includes:

The voucher issuance module is used to issue digital credit vouchers on the electronic platform based on the supply chain buyer’s own credit data;

The financial circulation module is used to transfer the credit digital voucher to the seller upstream of the supply chain, and perform corresponding operations on the digital voucher based on the seller's processing.
A terminal device, wherein the terminal device includes a memory, a processor, and an electronic platform supply chain financial circulation program stored on the memory and capable of running on the processor, and the electronic platform supply chain financial circulation program When the program is executed by the processor, the steps of the electronic platform supply chain financial circulation method according to any one of claims 1 to 7 are realized.
A storage medium, wherein a computer program is stored on the storage medium, and when the computer program is executed by a processor, the steps of the electronic platform supply chain financial circulation method according to any one of claims 1 to 7 are realized.