CN105976239A - Method of realizing enterprise settlement and post loan management based on supply chain through banking system direct connection - Google Patents
Method of realizing enterprise settlement and post loan management based on supply chain through banking system direct connection Download PDFInfo
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- CN105976239A CN105976239A CN201610287081.7A CN201610287081A CN105976239A CN 105976239 A CN105976239 A CN 105976239A CN 201610287081 A CN201610287081 A CN 201610287081A CN 105976239 A CN105976239 A CN 105976239A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention relates to a method of realizing enterprise settlement and post loan management based on a supply chain through banking system direct connection. The method comprises the following steps: S1, a cooperative bank is selected for system direct connection through an internet financial service platform; S2, a project special supervision account is opened inside the cooperative bank; S3, two transaction sides open virtual sub accounts respectively under the project special supervision account; S4, the payment side initiates a payment behavior to the receiving side through the internet financial services platform, and funds enter the corresponding virtual sub accounts; S5, when the payment side needs a fund raising activity, a fund raising application is sent to a relevant cooperative side through the internet financial service platform; and S6, after the payment side acquires the raised fund, the raised fund enters the corresponding virtual sub accounts under the project special supervision account opened by the cooperative bank. The method has the beneficial effect of providing the high-safety and high-fund settlement efficiency method of realizing enterprise settlement and post loan management based on the supply chain through banking system direct connection.
Description
Technical field
The present invention relates to a kind of banking system direct connection and realize enterprise based on supply chain clearing and post-loan management method.
Background technology
Flourish along with the Internet financial industry, needs sensitive keys data to be protected to get more and more, plays a game
The safety of territory net is had higher requirement.How to solve the problem from Cyberthreat, become each
Need implement network safety system user it is first necessary to consider solve problem.
At present, such as settlement mode between airline and agent mainly has two kinds: one is by the world
The CASS settlement mode of boat association is settled accounts, and one is by clearing form under the direct line of airlines and airline agents people
Carry out.
The first is international boat association CASS system.The CASS system of international boat association is that international boat association is for convenience of many families
The clearing service system that selling operation is set up is carried out between airline and many agents.CASS settles accounts system
Unified point of account of employing, the unified mode paid.First bill is distributed to CASS in a Ge Zhangqinei airline,
CASS carries out bill rearrangement according to agent and issues corresponding agent, and payment of freight is given by agent
CASS, CASS pay Ge Jia airline again.Under this kind of pattern, airline does not directly settle accounts with agent
Freight charges, not, airline's freight charges are collected does not needs within 30-45 days, could arrive account, Shuan Fangdou for cash flow and flow of information
Excessively rely on CASS system.
Additionally, airline's accounts receivable is devised risk control mode for CASS, i.e. it is provided with agent
Higher access threshold, and cash pledge, mortgage, the mode such as guarantee so that agent's needs of commencing business are higher
Fund cost.CASS does not provides financing services for agent.
The second is carrier's Receiving.Carrier's Receiving is direct line between tradition airlines and airline agents people
The mode of lower clearing.Airline, according to agreement, periodically sends account by the mode such as mail, letter to agent
Single.Agent, after receiving bill confirmation, uses the mode of remittance under line to pay carrier.This mould
It is fast that formula airline freight charges steam again speed, but agent is more numerous and diverse to Ge Jia airline payment procedure.Aviation is public
The risk of receivable account of department controls to use the mode collecting cash pledge, and agent's occupation of capital is big, larger generation
Reason people is difficult to use which to settle accounts with airline.
At present, the Third-party payment company on market, as domestic Alipay (under Alibaba), wealth are paid
Logical (company of Tengxun, Tengxun pats), state pay treasured (Gopay), easy treasured pays (Yeepay), fast money (99bill),
Hundred pairs of treasured (Baidu C2C), Neteases precious (under Netease) etc., external PayPal etc..But, the most how
Plant payment platform or payment mode, all there is alloting and managing of third party's fund.Under this pattern, the relevant 3rd
Mechanism of side collects fund by opening the system of account of himself at associated mechanisms such as banks, and paying party needs first to
Oneself importing the system of account of the third-party institution, Third-party payment carries out point account by the bill system of self and processes,
Again by the system of account of self by payment funding to beneficiary.By this kind of pattern, the third-party institution can collect
Substantial amounts of fund forms substantial contribution precipitation.Additionally, can be by complete cash flow except third party in this kind of pattern
Matching with flow of information, other relevant party all cannot accomplish mating of cash flow and flow of information, and this is just for fund
Supervision and safety thereof bring great hidden danger.It addition, this pattern carry out the user that places one's entire reliance upon at present for
The credit of tripartite mechanism self and the trust of strength.But owing to mode development is at the early-stage, himself is the most tangible
Becoming perfect a risk prevention mechanism and relevant supporting management system, once asking occurs in a certain link of this mechanism itself
Topic, on the impact of whole system by inestimable.Under this pattern, the third-party institution can be collected by new model
Substantial amounts of Financial capital, not only brings the impact in terms of market, client's shunting and challenge, more to traditional mode
The running of traditional mode has directly been directly influenced by the concentration of fund.Finally, this kind of mould of the third-party institution
Formula can actually utilize the technological means of the Internet to bring the convenient and facility in terms of capital management for user, but
Facility in terms of it is more to provide payment and settlement at present, in the convenient relative deficiency of the aspects such as financing, the most not
Be enough to replace the status of traditional mode, interconnection networking capital management in terms of is not the most fully achieved.
Summary of the invention
In view of the above-mentioned problems in the prior art, present invention is primarily targeted at and solve lacking of prior art
Falling into, the present invention provides the banking system direct connection that a kind of safety is high and capital settlement efficiency is high to realize based on supply chain
Enterprise clearing and post-loan management method.
The invention provides a kind of banking system direct connection and realize enterprise based on supply chain clearing and post-loan management side
Method, comprises the following steps:
S1: financial service platform selecting cooperative bank carries out system direct connection by the Internet, docks different funds
Channel；
S2: according to project or the demand of client, offers project special project supervision account inside cooperative bank；
S3: both parties offer virtual subnet account under described project special project supervision account respectively；
S4: payer initiates payment behavior by the Internet financial service platform to beneficiary, this Internet finance
Service platform carries out point account and processes, and fund enters the corresponding void under the project special project supervision account that cooperative bank offers
Intend in sub-account；
When S5: payer needs financing activity, melted to the transmission of relevant partner by the Internet financial service platform
Money application；
After S6: payer obtains financing, financier's fund passes through the Internet financial service platform, through the Internet gold
After melting the process of service platform point account, enter corresponding virtual subnet under the project special project supervision account that cooperative bank offers
In account.
Optionally, the account that described payer enterprise is corresponding in project funds supervision account is propped up online
Pay, online financing, Fund Supervision, capital settlement and cash management.
Optionally, the account that described beneficiary enterprise is corresponding in project funds supervision account is propped up online
Pay, online financing, Fund Supervision, capital settlement and cash management.
Optionally, described the Internet financial service platform includes server, is provided with registration mould in described server
Block, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules；
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and the mould that forgets Password
Block, described trade company homepage module includes supplementing module with money, embodying module, amendment binding account module, fund change
Module, checking and accepting and auditing module, channel module and Modify password module, described member's module includes adding mould
Block, enquiry module and Member Name module；
Described Member Entrance module includes member's homepage module, account setup module, trades record module, order
Center module, financing center's module and member's homepage module；
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, basic setup
Module, permission configuration module.
The present invention has the following advantages and beneficial effect: the present invention provides a kind of banking system direct connection to realize based on confession
Answer chain enterprise clearing and post-loan management method, this banking system direct connection realize enterprise based on supply chain clearing and
Post-loan management method serves supply chain upstream and downstream, virtual or commercial circle, entity market and all kinds of transaction agents of logistics
Transaction funds clearing, integrate the funds source such as bank, insurance, P2P, rely on big data to set up bank, guarantor
Danger equivalent risk controls system, helps corporate client to obtain credit on the line such as bank, P2P in normal business process
Loan；The method both solved all multiple enterprises due to technical bottleneck or scale deficiency can not access asking of banking system
Topic, solves again the predicament that business capital purposes, funds flow cannot be held by bank, by the Internet same
The small enterprise of type condenses together and solves scale issue, by cutting the day with bank, the mechanism such as reconciliation, protects
The Transaction Information of barrier corporate client is accurately and safety；This Internet financial service platform is to pass through for corporate client
Conformity of business operation stream, flow of information and cash flow, got through the connection between traditional bank, business entity by the Internet
System, drives its upstream and downstream by core enterprise, constructs brand-new netted the Internet financial eco-environment circle.
Detailed description of the invention
Below with reference to specific embodiment, the present invention is further illustrated.
The embodiment of the present invention 1 provides a kind of banking system direct connection to manage after realizing enterprise based on supply chain clearing and borrowing
Reason method, comprises the following steps: comprise the following steps:
S1: financial service platform selecting cooperative bank carries out system direct connection by the Internet, docks different funds
Channel；
S2: according to project or the demand of client, offers project special project supervision account inside cooperative bank；
S3: both parties offer virtual subnet account under described project special project supervision account respectively；
S4: payer initiates payment behavior by the Internet financial service platform to beneficiary, this Internet finance
Service platform carries out point account and processes, and fund enters the corresponding void under the project special project supervision account that cooperative bank offers
Intend in sub-account；
When S5: payer needs financing activity, melted to the transmission of relevant partner by the Internet financial service platform
Money application；
After S6: payer obtains financing, financier's fund passes through the Internet financial service platform, through the Internet gold
After melting the process of service platform point account, enter corresponding virtual subnet under the project special project supervision account that cooperative bank offers
In account.
As the preferred implementation of above-described embodiment, described payer enterprise is right in project funds supervision account
The account answered carries out on-line payment, online financing, Fund Supervision, capital settlement and cash management.
As the preferred implementation of above-described embodiment, described beneficiary enterprise is right in project funds supervision account
The account answered carries out on-line payment, online financing, Fund Supervision, capital settlement and cash management.
The banking system direct connection that the present invention provides realizes enterprise based on supply chain clearing and post-loan management method is led to
Crossing the bank paying mode using credit worthiness higher, all funds are directly managed by bank, it is ensured that transaction enterprise
Fund security, meanwhile, improves payment and settlement efficiency, thus reduces whole industry chain (supply chain) each participant fund
Transaction cost promotes the competitiveness of industry indirectly.
Embodiment 2
The embodiment of the present invention 2 provides a kind of the Internet financial service platform, including server, in described server
It is provided with Registering modules, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules；
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and the mould that forgets Password
Block, described trade company homepage module includes supplementing module with money, embodying module, amendment binding account module, fund change
Module, checking and accepting and auditing module, channel module and Modify password module, described member's module includes adding mould
Block, enquiry module and Member Name module；
Described Member Entrance module includes member's homepage module, account setup module, trades record module, order
Center module, financing center's module and member's homepage module；
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, basic setup
Module, permission configuration module.
As the preferred implementation of above-described embodiment, described member's homepage module includes supplementing module with money, embodying mould
Block, payment module and financing management module.
As the preferred implementation of above-described embodiment, described account setup module includes security centre's module, business
Family management module and bank's card management module.
As the preferred implementation of above-described embodiment, described member's homepage module includes forget Password module, side
Help center module and feedback module.
As the preferred implementation of above-described embodiment, described manager's homepage module include merchant information module,
Trade company's auditing module, channel information module, bank information module and up-to-date transaction modules on the same day.
As the preferred implementation of above-described embodiment, described merchant module includes adding module, name of firm mould
Block, trade company's channel quantity module, trade company examination & verification modified module, trade company member quantity module and member freezes,
Account fund synchronization module.
As the preferred implementation of above-described embodiment, described transaction modules includes that transaction List Table module, reconciliation are different
Norm block, system journal module, reconciliation log pattern, reconciliation flowing water module and transaction message module.
As the preferred implementation of above-described embodiment, described substrate arranges module channel management module, the fee
Management module and bank management module.
As the preferred implementation of above-described embodiment, described priority assignation module includes that role arranges module, use
Family arranges module and suggestion management module.
The embodiment of the present invention have the advantage that this banking system direct connection realize enterprise based on supply chain clearing and
Post-loan management method serves supply chain upstream and downstream, virtual or commercial circle, entity market and all kinds of transaction agents of logistics
Transaction funds clearing, integrate the funds source such as bank, insurance, P2P, rely on big data to set up bank, guarantor
Danger equivalent risk controls system, helps corporate client to obtain credit on the line such as bank, P2P in normal business process
Loan；This system both solved all multiple enterprises due to technical bottleneck or scale deficiency can not access asking of banking system
Topic, solves again the predicament that business capital purposes, funds flow cannot be held by bank, by the Internet same
The small enterprise of type condenses together and solves scale issue, by cutting the day with bank, the mechanism such as reconciliation, protects
The Transaction Information of barrier corporate client is accurately and safety；This Internet financial integration service platform is for corporate client
By conformity of business operation stream, flow of information and cash flow, got through between traditional bank, business entity by the Internet
Contact, drive its upstream and downstream by core enterprise, construct brand-new netted the Internet financial eco-environment circle.
The banking system direct connection that the embodiment of the present invention provides realizes enterprise based on supply chain clearing and post-loan management
Method fully analyzes traditional mode with the advantage of novel third-party institution's pattern with not enough, in practice
Develop the novel fund management model utilizing Internet technology and traditional mode cooperation, be described as really landing reality
" the Internet+finance " pattern executed；By with the traditional mechanism cooperation such as bank, creative proposing is passed through
This mode of Fund Supervision account is opened, it is possible to make user pass through triumphant tower platform direct-connected with banking institution in bank,
Fund is transmitted completely in the supervision account of bank, without third party's account, thus accomplishes fund and letter completely
The timely coupling of breath；Compensate for the deficiency of traditional mode and third-party institution's pattern completely, be truly realized fund
The interconnection networking of flowing；Its meaning is as follows:
First: for traditional mode such as bank etc., the business that a solves difficult problem electronic, informationalized, improve silver
The competitiveness of row, promotes the traditional industries such as bank to interconnection networking transition and the Informatization Development of industry.Always
Since, bank carry out electronization project be required to one one stand, consume substantial amounts of cost, reduce efficiency.
And the present invention is by building a platform, bank and user two ends are directly connected to it, it is only necessary to bank and user connect
Enter this Internet financial service platform, convenient and swift；
Second: the third-party institution has attracted substantial amounts of user to use by form of payment easily, not only shunting
Fund, more summarizes fund and directly can get a profit from traditional mode, extruded the vivosphere of traditional mode.
This Internet financial service platform uses the pattern of bank's virtual supervision account, does not the most touch user's fund, keeps away
Exempt from the interests loss of traditional mode；
3rd: this system operates under the supervision of bank completely, it is possible to accomplish the complete of flow of information and cash flow
Coupling, it is to avoid the risk that supervision is not enough, it is ensured that Cash Flow legitimate；
4th: owing to fund is deposited in the bank account system that user self opens completely, circulated, fund
Safety has guarantee reliably, enhances the confidence of user, reduces the financial risks of user；
5th: just because of mating completely of cash flow and flow of information, make bank etc. have the biography of powerful capital strength
System mechanism can grasp the information of user completely, adds transparency information so that it is can assist in sufficient information
Help down provide the user financing, loan etc. more efficiently to service, facilitate both sides；
6th: this system can also access the business platform of other novel mechanisms, by traditional mechanisms such as banks
Information authority, provides information service for other novel mechanisms, widens the credit extending channel of user, reduces user's
Finance costs；
7th: under the overall situation that economic situation slows down in current China, relevant auxiliary law policy is not perfect,
Capital Flow difficulty has become the significant problem of debtor and creditor facing.Tracing it to its cause is exactly poor information, leads
Cause both sides' risk to increase.And above analyze it is seen that, the present invention can largely ensure debtor and creditor
Transparency information, so that the transaction cost of debtor and creditor declines, for promoting Capital Flow, it is achieved economy is again
Development contributes.
Last it is noted that above-described each embodiment is merely to illustrate technical scheme, rather than
It is limited；Although the present invention being described in detail with reference to previous embodiment, the ordinary skill of this area
Personnel are it is understood that the technical scheme described in previous embodiment still can be modified by it, or to it
Middle part or all technical characteristic carry out equivalent；And these amendments or replacement, do not make appropriate technical solution
Essence depart from various embodiments of the present invention technical scheme scope.
Claims (4)
1. banking system direct connection realizes enterprise based on supply chain clearing and a post-loan management method, its feature
It is, comprises the following steps:
S1: financial service platform selecting cooperative bank carries out system direct connection by the Internet, docks different money
Gold channel；
S2: according to project or the demand of client, offers project special project supervision account inside cooperative bank；
S3: both parties offer virtual subnet account under described project special project supervision account respectively；
S4: payer initiates payment behavior by the Internet financial service platform to beneficiary, this Internet gold
Melting service platform and carry out a point account process, fund enters the phase under the project special project supervision account that cooperative bank offers
Answer in virtual subnet account；
When S5: payer needs financing activity, sent to relevant partner by the Internet financial service platform
Financing application；
After S6: payer obtains financing, financier's fund passes through the Internet financial service platform, through the Internet
After financial service platform divides account to process, enter under the project special project supervision account that cooperative bank offers corresponding empty
Intend in sub-account.
The most according to claim 1, banking system direct connection is managed after realizing enterprise based on supply chain clearing and borrowing
Reason method, it is characterised in that: the account that described payer enterprise is corresponding in project funds supervision account is entered
Row on-line payment, online financing, Fund Supervision, capital settlement and cash management.
The most according to claim 1, banking system direct connection is managed after realizing enterprise based on supply chain clearing and borrowing
Reason method, it is characterised in that: the account that described beneficiary enterprise is corresponding in project funds supervision account is entered
Row on-line payment, online financing, Fund Supervision, capital settlement and cash management.
The most according to claim 1, banking system direct connection is managed after realizing enterprise based on supply chain clearing and borrowing
Reason method, it is characterised in that: described the Internet financial service platform includes server, sets in described server
It is equipped with Registering modules, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules；
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and forgets Password
Module, described trade company homepage module includes supplementing module with money, embodying module, amendment binding account module, fund
Changing module, check and accept and auditing module, channel module and Modify password module, described member's module includes
Add module, enquiry module and Member Name module；
Described Member Entrance module includes member's homepage module, account setup module, trades record module, orders
Single centre module, financing center's module and member's homepage module；
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, substantially sets
Put module, permission configuration module.
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| CN201610287081.7A CN105976239A (en) | 2016-05-03 | 2016-05-03 | Method of realizing enterprise settlement and post loan management based on supply chain through banking system direct connection |
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| CN201610287081.7A CN105976239A (en) | 2016-05-03 | 2016-05-03 | Method of realizing enterprise settlement and post loan management based on supply chain through banking system direct connection |
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| CN201610287081.7A Pending CN105976239A (en) | 2016-05-03 | 2016-05-03 | Method of realizing enterprise settlement and post loan management based on supply chain through banking system direct connection |
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Cited By (22)
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| CN106845954A (en) * | 2017-01-24 | 2017-06-13 | 环球雅途旅业控股集团有限公司 | A kind of payment and settlement system and its information processing method based on many system of account |
| CN106991302A (en) * | 2016-12-31 | 2017-07-28 | 融捷科技（武汉）有限公司 | Company's authority mandatory system based on supply chain financial service platform |
| CN107169754A (en) * | 2017-06-09 | 2017-09-15 | 深圳市斯维尔科技股份有限公司 | The golden management method of maintenance, device, terminal and computer-readable recording medium |
| CN107274165A (en) * | 2017-07-04 | 2017-10-20 | 广东信基蜂巢科技有限责任公司 | A kind of spelling list business settlement system based on four stream unifications |
| CN107451801A (en) * | 2017-07-11 | 2017-12-08 | 谢奉见 | A kind of management of differential account system based on banking supervision |
| WO2019062185A1 (en) * | 2017-09-28 | 2019-04-04 | 重庆小雨点小额贷款有限公司 | Repayment method, device, server, and computer-readable storage medium |
| CN109615520A (en) * | 2018-12-19 | 2019-04-12 | 四川商通实业有限公司 | Method and system for issuing and using special fund |
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| CN114037439A (en) * | 2021-11-01 | 2022-02-11 | 上海中通吉网络技术有限公司 | Supply chain system platform collection and payment branch transaction method |
| CN114298703A (en) * | 2021-12-28 | 2022-04-08 | 商派软件有限公司 | Aggregated payment method and system |
| CN116187995A (en) * | 2023-02-01 | 2023-05-30 | 深圳市华宇讯科技有限公司 | Settlement processing method and device, electronic equipment and storage medium |
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Cited By (28)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106991302A (en) * | 2016-12-31 | 2017-07-28 | 融捷科技（武汉）有限公司 | Company's authority mandatory system based on supply chain financial service platform |
| CN106845954A (en) * | 2017-01-24 | 2017-06-13 | 环球雅途旅业控股集团有限公司 | A kind of payment and settlement system and its information processing method based on many system of account |
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