CN105976247A - Financial bill transaction information matching platform based on B2B - Google Patents
Financial bill transaction information matching platform based on B2B Download PDFInfo
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- CN105976247A CN105976247A CN201610284347.2A CN201610284347A CN105976247A CN 105976247 A CN105976247 A CN 105976247A CN 201610284347 A CN201610284347 A CN 201610284347A CN 105976247 A CN105976247 A CN 105976247A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention provides a financial bill transaction information matching platform based on B2B. A user can initiate transaction of carrying out financial bill liquidation and bill exchange on an electronic transaction order via the platform, the platform verifies financial bill electronic data uploaded by the user and rates and valuates the financial bill, the platform matches completion of the electronic transaction according to the rating and valuating result, the user completes the financial bill transaction according to the matching result, the transaction result is uploaded to complete the electronic transaction and credit rating, and in order to reduce the transaction risk, the platform charges a certain amount of credibility money from two transaction sides, if contract breaking is generated in the case of offline transaction, the credibility money of the contract breaking side is deduced. Electronization and virtualization of the financial bill transaction can be realized, the physical bill risk and the operation cost are reduced, the platform provides matching of the electronic bill transaction, the two transaction sides do not need to involve, unequal-value bill exchange and liquidation for multiple users in different places can be supported, and the financial bill circulation efficiency is further improved, and the use cost is reduced.
Description
Technical field
The present invention relates to negotiation IT application of service technical field, be specifically related to a kind of finance based on B2B
Bill business information brings platform together.
Background technology
Along with the development of China's economy, as the financial documents such as acceptance bill have become can not in economic life
The means of payment lacked and means of account settlement.Bill market infrastructure construction at present lags behind market innovation development.
One is existing bill structure of the law about the regulation of " in writing form " lags behind the requirement of electronic bill development.
Bill law System Defects limits the development space of bill market.Two is e-transaction mode lagging in development.
Currently, the capital construction of China's bill market relatively lags behind, the signing and issuing of bill, honour, negotiability etc. still
Main employing commodity bond form and original manual mode of doing business, bill business electronization is still in starting development
In the stage, set of electronic ticket transactions pattern existing defects, system run all right must also be greatly improved.Three is district
Territory dispersion is isolated and disparate development, not yet forms unified bill market.At present, bill market locality,
Regional Characteristics is more obvious, and commercial paper trade focuses primarily upon in Beijing, Shanghai, Guangzhou, Shenzhen etc.
Heart city, the negotiation market of small and medium-sized cities is inactive, the rudimentary cost of efficiency high；Central and west regions bill
Market development is slow.Although there is obvious centralization trend in bill operation, but on the whole still falls within dispersion
On the basis of concentration, honour the operation sites at different levels being the most also dispersed in business bank with discounting business.With
Time, bill market lacks inter-bank lending and borrowing center, a similar whole nation, bond booth and Chinese bonds registration knot
Calculate the organization that the whole nation of the mechanisms such as company limited is unified, not yet form tangible efficient bill market.
Financial document transaction system such as prior art such as Publication No. CN201010105063 realizes interbank electronics
Bill business,
By substantial amounts of manual work, bill it is input in the middle of computer and settles accounts and conclude the business, lacking unified
Negotiation transaction system, the transaction of bill, to discount and honour be all with the physical form of bill material object
Existing, electronization degree is the highest.Owing to lacking brining together and associated credit system of set of electronic ticket transactions system
Setting up, cause bill mobility abundant not, trading efficiency is low, bill of exchange information asymmetry between user,
Transaction risk is high, it is impossible to realize the fair deal of information transparency.
Therefore, it is achieved depart from the realizing electronic trade of financial instruments that papery is in kind, reduce bill false risk, build
Vertical e-transaction credit system, it is achieved the financial document transaction system that between user, bill business is brought together, becomes
For the problem needing to solve.
Summary of the invention
For solving the above-mentioned problems in the prior art, it is an object of the invention to provide one and pass through third party
Platform realizes the platform that between user, (B2B) financial document Transaction Information is brought together.
In order to achieve the above object, the concrete solution of the present invention provides a kind of financial document based on B2B to hand over
Easily information brings platform together, including:
(a) terminal access device, described terminal access device also includes:
Subscriber information storing module, in order to store the module of user account information and credit record；
Transmission module on bill, for importing financial document or scanning and generate financial document electronic data
Reach bill business server；
Ticket gold Transaction Information module, buys in for selling according to described financial document electronic data initiation financial document
Instruction；
Ticket ticket Transaction Information module, changes ticket instruction for initiating financial document according to described financial document electronic data；
Ticket barter deal information module, pays the module of trading instruction in many ways for initiating financial document；
Bill business information summarizing module, for the financial document received and presentation of bill trading server end pushes
Transaction Information brings data together, user can according to financial document Transaction Information bring together data send order request and complete
Become on line or off-line transaction；
Transaction Information record queries module, concludes the business for ticket gold Transaction Information, the ticket ticket inquired about and display has been initiated
Information and the module of ticket barter deal information state；
Bill business information server, described bill business information server also includes:
Subscriber authentication module, in order to verify user's login account；
Note validating module, verifies in order to the described financial document electronic data uploading user；
Bill valuation and grading module, in order to estimate described financial document electronic data after checking
Value and grading；
Bill business information authentication module, in order to verify that the financial document that user sends sells buy orders, finance
Bill changes ticket instruction and financial document payment instruction；
Bill business information brings module together, according to valuation and the grading of financial document electronic data, sends user
Financial document sell buy orders, financial document change ticket instruction and financial document pay trading instruction in many ways and enter
Row Transaction Information is brought together, and Transaction Information is brought together result is sent to bill business information summarizing module；
Transaction credit grading module, comments for carrying out user credit according to the state of honouring an agreement of user's financial document transaction
Level.
Further, on described bill transmission module the positive and negative of financial document and endorsement allonge are scanned or
Import and form complete financial document electronic data.
Further, described note validating module to the bill key element clarity of financial document electronic data,
Integrity, standardization are audited, and according to information such as the draft banks in financial document electronic data, retrieval should
Whether financial document is in the abnormality such as is reported the loss, stops payment or freezes.
Further, described bill valuation and grading module are first according to the result of note validating module, right
Described financial document electronic data is made whether the grading of transaction value, then according to financial document electron number
Denomination according to, make out an invoice the bill element informations such as row, region of opening an account, tenor, endorsement hands number to
Go out the price potential of this financial document.
Further, the price potential of described financial document includes:
Today cashed price by bill, and today cashed price according to market instrument discount rate change on the same day by described bill
Change and change；
Change admission fee lattice, described in change admission fee lattice and include that inhomogeneity ticket changes admission fee lattice, non-single-candidate changes admission fee lattice and difference
Grading bill change admission fee lattice.
Further, described financial document change ticket instruction and financial document pay trading instruction in many ways include by with
The terms of trade that family selects, described terms of trade include:
Bill business type, described bill business type includes financial document material object off-line transaction or financial document
Electronic data online trading；
Make out an invoice row type, described in row type of making out an invoice include large, medium and small three types；
Tenor type, described tenor type includes long sterling, Medium Term Note and short bill three
Type, wherein the division of tenor is to remain natural law as foundation with bill away from the Expiration Date；
Allonge quantity type, described allonge quantity type includes not limiting allonge quantity, without allonge with less than one
To ten allonges；
Every amount of the instrument, described every amount of the instrument and quantity can be arranged voluntarily by user；
Transaction time limit, described transaction time limit is zero to N days, or untimed,；
Other particular/special requirements, input voluntarily for user.
Further, described bill business information brings module together according to bill business grade, bill change today
Present price lattice, change admission fee lattice and to change ticket condition be that weight carries out bill business matching degree calculating, and by matching result
Priority according to price and region sends financial document Transaction Information to terminal access device and brings data together.
Further, when user sends after order asks and be agreed, described transaction credit grading module lock
Determine both parties and relate to the financial document electronic data of this transaction, and pay transaction sincerity to both parties' transmission
Gold request, when both parties by line or line under type pay transaction sincerity gold after then ratify transaction and carry out,
As concluded the business at the appointed time, either one is not paid the sincere gold of transaction and then Cancels Transaction, and the user of delinquent party
Credit record is deducted its credit score.
Further, after user on line or completes transaction under line, upload transaction results voluntarily or automatically,
Cancel transaction, promise breaking payment as produced counterparty's folk prescription or issue the violations such as false billing information, then handing over
Easy credit rating module is pressed deal engagement and is deducted the sincere gold of delinquent party's transaction, and in the user credit note of delinquent party
Record is deducted its credit score.
Further, described terminal access device also includes billing information account executive module, in order to showing and
Deriving the current financial document electronic data of user and valuation thereof and grading, its display mode can be sent out according to transaction
The time of rising carries out ascending order or descending sort, classifies according to the stateful transaction of financial document electronic data simultaneously
Display.
The present invention compared with the existing technology, has the following advantages and beneficial effect:
A kind of based on B2B financial document Transaction Information that the present invention provides brings platform and method thereof, user together
Electronic transaction list can be initiated by platform and carry out financial document realization and to tear ticket ticket, size bank money open mutual
Change and change ticket negotiation with length time limit bill exchange etc., support that financial document pays strange land and in many ways concludes the business, flat
Financial document is also graded and valuation, with rear platform by the platform checking financial document electronic data uploaded of user
Result according to grading and valuation sends Transaction Information and brings result together, counterparty according to bring together result lower online or
Complete financial document transaction on line, and upload transaction results information and complete electronic transaction and credit rating, for protecting
Demonstrate,proving the verity that platform Transaction Information is issued, accepted and bring together, sincere gold trade matching pattern taked by platform,
Participant of concluding the business when bill and order is paid the sincere gold of certain number temporarily, as counterparty produces promise breaking by agreement
Then deducting delinquent party's sincerity gold by agreement, conclude the business as normally honoured an agreement, platform partly or entirely returns friendship by agreement
The easily sincere gold in side.The present invention realizes electronization and the virtualization of financial document transaction, reduces financial document circulation
Cost, platform provides brining together of electronization bill business information, and platform is without getting involved both sides' transaction, and part solves
Determine the problem that medium and small micro-enterprise market risk is difficult, efficiency is low, cost is high, further increased bill business
Success efficiency and circulation effect.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to enforcement
In example or description of the prior art, the required accompanying drawing used is briefly described, it should be apparent that, describe below
In accompanying drawing be only some embodiments of the present invention, for those of ordinary skill in the art, do not paying
On the premise of going out creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the system architecture diagram of the embodiment of the present invention one；
Fig. 2 is the method flow diagram of the embodiment of the present invention two；
Fig. 3 is the method flow diagram of the embodiment of the present invention three；
Fig. 4 is the method flow diagram of the embodiment of the present invention four.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly
Chu, be fully described by, it is clear that described embodiment be only a part of embodiment of the present invention rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creation
The every other embodiment obtained under property work premise, broadly falls into the scope of protection of the invention.
As it is shown in figure 1, as a preferred embodiment, the concrete solution of the present invention provide a kind of based on
The financial document Transaction Information of B2B brings platform together, including terminal access device 1 and bill business server 2.
Terminal access device 1 can use the terminal units such as mobile phone, panel computer, PC, as B2B user
Billing information issue and receive platform, terminal access device 1 includes: transmission module 11, ticket on bill
Gold Transaction Information module 12, ticket ticket Transaction Information module 13, ticket barter deal information module 14, user profile are deposited
Storage module 15, bill business information summarizing module 16, transaction record enquiry module 17 and bill account module
18。
Transmission module 11 on bill, are used for generating financial document electronic data and are uploaded to bill business server 2.Its
In, financial document electronic data supports two kinds of generating modes, and one is to use taking the photograph on terminal access device 1
As papery part or the electronic image of financial document are shot or scan to form bill by device or scanning means
Electronic data format, it two is the electronic data of financial document to be imported by electronic data file lead-in mode
In terminal access device 1.On bill transmission module 11 support the main flow picture formats such as Jpeg, bmp, Gif and
The importing of the major video forms such as rm, rmvb, avi, mp4,3gp.Financial document electronic data must include
Positive and negative and the complete image of all endorsement allonges thereof including financial document.
Further, ticket gold Transaction Information module 12, for initiating finance ticket according to financial document electronic data
According to selling buy orders.Financial document electronic data is uploaded after bill business server 2 is audited, and uses
Family may select this financial document electronic data and initiates financial document and sell buy orders, sells forming financial document
Going out the order bought in, can be selected terms of trade voluntarily by user in order, terms of trade include: bill business
Type, row type of making out an invoice, tenor type, allonge quantity type, every the amount of the instrument, transaction time limit
Other particular/special requirements inputted voluntarily with user.Wherein, bill business type includes financial document off-line transaction
Or two kinds of modes of doing business of financial document electronic data online trading, i.e. both parties to cash mode under using line complete
Become paper-bill transaction or both parties voluntarily by shifting financial document electronics by platform after paying on line
Data；Row type of making out an invoice can be selected large, medium and small three kinds of banking style by user；Tenor type includes
Long sterling, Medium Term Note and short bill three types, wherein the division of tenor is away from arriving with bill
It is foundation that day phase remains natural law；Allonge quantity type is to arrive to not limiting allonge quantity, without allonge with less than one
Ten allonges；Every amount of the instrument and quantity can be arranged voluntarily by user；Transaction time limit can be by user setup
Zero arrives N days, or untimed.
Further, ticket ticket Transaction Information module 13, for initiating gold according to described financial document electronic data
Melt bill and change ticket instruction.Financial document electronic data is uploaded after bill business server 2 is audited, and uses
Family may select this financial document electronic data and initiates financial document and change ticket instruction, changes ticket forming financial document
Order, can be selected terms of trade voluntarily in order by user, and terms of trade include: bill business type, open
Ticket row type, tenor type, allonge quantity type, every amount of the instrument, transaction time limit and user from
Other particular/special requirements of row input.Wherein, bill business type includes financial document off-line transaction or finance ticket
According to two kinds of modes of doing business of electronic data online trading, under i.e. both parties use line, ticket ticket mode of doing business completes paper
Matter bill business or both parties consult double to transaction by platform transfer financial document electronic data afterwards voluntarily
Side's account；Row type of making out an invoice can be selected large, medium and small three kinds of banking style by user；Tenor type bag
Include long sterling, Medium Term Note and short bill three types, wherein the division of tenor be with bill away from
Expiration Date residue natural law is foundation；Allonge quantity type is to not limiting allonge quantity, without allonge with less than one
To ten allonges；Every amount of the instrument and quantity can be arranged voluntarily by user；Transaction time limit can be by user setup
It is zero to N days, or untimed.
Ticket barter deal information module 14, is used for initiating the instruction of financial document bill business in many ways.Financial document electronics
Data are uploaded after bill business server 2 is audited, and user may select this financial document electronic data and sends out
Play financial document and pay trading instruction in many ways, to form the order of financial document ticket barter deal, can be by order
User selects terms of trade voluntarily, and terms of trade include: bill business type, row type of making out an invoice, bill phase
Limit type, allonge quantity type, every amount of the instrument, transaction time limit and user input voluntarily other are special
Requirement.Wherein, bill business type includes that financial document off-line transaction or financial document electronic data line are submitted
Easy two kinds of modes of doing business, under i.e. both parties use line in many ways ticket ticket mode of doing business complete paper-bill transaction or
By platform transfer financial document electronic data to both parties' account after transaction is consulted voluntarily；Make out an invoice row
Type can be selected large, medium and small three kinds of banking style by user；Tenor type include long sterling, in
Promissory note evidence and short bill three types, wherein the division of tenor is to remain natural law with bill away from the Expiration Date
For foundation；Allonge quantity type is to not limiting allonge quantity, without allonge with less than one to ten allonges；Often
Open the amount of the instrument and quantity can be arranged voluntarily by user；Transaction time limit can be zero to N days by user setup, or
Untimed.
Bill business information summarizing module 16, for the financial ticket received and presentation of bill trading server end pushes
Brining data together according to transaction, financial document transaction is brought data together and is carried out on terminal access device 1 with tabular form
Display, user can bring data together according to financial document transaction and send order and ask and complete on line or off-line transaction；
Transaction record enquiry module 17, the transaction of ticket gold, the transaction of ticket ticket and the ticket goods initiated for inquiry and display
The module of stateful transaction；Subscriber information storing module 15, in order to store user account information and credit record.
User's bill account module 18 is in order to show the current financial document electronic data of user and the gold concluded the business
Melt bill electronic data.
Bill business server 2 includes: subscriber authentication module 21, note validating module 22, bill valuation and
Grading module 23, bill business authentication module 24, bill business bring module 25 and transaction credit grading mould together
Block 26.Wherein, subscriber authentication module 21 is in order to verify user's login account.
Note validating module 22 is to the bill key element clarity of financial document electronic data, integrity, standardization
Audit, and according to information such as the draft banks in financial document electronic data, retrieve whether this financial document is located
In abnormalities such as reporting the loss, stop payment or freeze.Bill key element such as financial document electronic data is not verified
Or this financial document is in abnormality, then this financial document electronic data is not by examination & verification, note validating mould
Block 22 sends authentication failed information to the terminal access device 1 of upload user, as financial document electronic data leads to
The checking of note validating module 22, then the bill account mould of this financial document electronic data storage access customer are crossed
Block 18.
Bill valuation and grading module 23, in order to enter described financial document electronic data after checking
Row valuation and grading.The purpose of valuation is the result according to note validating module, to financial document electron number
According to the grading being made whether transaction value.The bill key element clarity of such as this financial document electronic data and
Integrity is more relatively low than relatively low then transaction value also ratio.Valuation is then according to the nominal value gold in financial document electronic data
Volume, the bill element informations such as row, region of opening an account, tenor, endorsement hands number of making out an invoice provide this financial document
Price potential, this price potential is concluded the business the reference brought together as financial document.The price potential of financial document
Cashing price including bill and change admission fee lattice today, today cashed price according to market instrument discount on the same day by bill
Change of interest rate and change.Change admission fee lattice and include that similar ticket changes admission fee lattice, non-single-candidate changes admission fee lattice and different grading
Bill change admission fee lattice.
The financial document that bill business authentication module 24 sends in order to verify user sells buy orders, finance ticket
According to changing ticket instruction and the instruction of financial document ticket goods.
Bill business brings module 25 together, according to valuation and the grading of financial document electronic data, sends user
Financial document sell buy orders, financial document changes ticket instruction and bill business instruction is traded pinch in many ways
Close.During brining together, bill business bring together module 25 according to bill business registration, bill cash today price,
Changing admission fee lattice and changing ticket condition is that weight carries out bill business matching degree calculating, and by matching result according to price
Send financial document transaction with the priority in region to terminal access device and bring data together.
Transaction credit grading module 26, for carrying out user credit according to the state of honouring an agreement of user's financial document transaction
Grading.After user sends order request, described transaction credit grading module 26 locked transaction both sides relate to
The financial document electronic data of this transaction, and pay transaction sincere gold request to both parties' transmission, work as transaction
Both sides by line or line under type pay the sincere gold of transaction after then ratify transaction and carry out, as in the stipulated time
Interior transaction either one do not pay the sincere gold of transaction and then Cancel Transaction, and detain in the user credit record of delinquent party
Except its credit score.Voluntarily or automatically transaction results is uploaded after user on line or completes transaction under line,
Cancel transaction, promise breaking payment as produced counterparty's folk prescription or issue the violations such as false billing information, then handing over
Easily credit rating module 26 deducts the sincere gold of delinquent party's transaction, and deducts in the user credit record of delinquent party
Its credit score.
Embodiment two
Being illustrated in figure 2 the ticket gold transaction flow figure being applied to the present invention, user logs in terminal access device 1
After, first pass through transmission module 11 on bill and import or scan and generate financial document electronic data and be uploaded to bill
Trading server 2.Note validating module 22 is to the bill key element clarity of financial document electronic data, complete
Property, standardization are audited, and according to information such as the draft banks in financial document electronic data, are retrieved this finance
Whether bill is in the abnormality such as is reported the loss, stops payment or freezes.Pass through described in bill valuation and grading module 23
Financial document electronic data after checking carries out valuation and grading, calculates the transaction value of bill, and will
The bill account module 18 of this financial document electronic data storage access customer.
When transaction is initiated, user enters ticket gold Transaction Information module 12 and selects financial document electronic data to initiate
Financial document is sold or buy orders.Bill business authentication module 24 verifies that the financial document that user sends is sold
Or after buy orders, bill business brings module 25 together according to the valuation of financial document electronic data and grading, right
The financial document that user sends is sold or buy orders is traded brining together, sends gold to terminal access device 1
Melting bill business and bring data together, user can receive in the bill business information summarizing module of terminal access device 1
With choose financial document transaction bring together data send order request.After order completes, transaction credit grading mould
Block 26 locked transaction both sides relate to the financial document electronic data of this transaction, and pay friendship to both parties' transmission
Easily sincere gold request, when both parties by line or line under type pay the sincere gold of transaction after then ratify friendship
Easily carrying out, as concluded the business at the appointed time, either one is not paid the sincere gold of transaction and then Cancels Transaction, and in promise breaking
Its credit score deducted in the user credit record of side.
Embodiment three
It is illustrated in figure 3 ticket ticket transaction flow figure of the present invention, after user logs in terminal access device 1, the most logical
Cross transmission module 11 on bill to import or scan and generate financial document electronic data and be uploaded to bill business server
2.Note validating module 22 is to the bill key element clarity of financial document electronic data, integrity, standardization
Audit, and according to information such as the draft banks in financial document electronic data, retrieve whether this financial document is located
In abnormalities such as reporting the loss, stop payment or freeze.Described in bill valuation and grading module 23 after checking
Financial document electronic data carries out valuation and grading, calculates the transaction value of bill, and by this financial document
The bill account module 18 of electronic data storage access customer.
When transaction is initiated, user enters ticket ticket Transaction Information module 13 and selects financial document electronic data to initiate
Financial document changes ticket instruction.Bill business authentication module 24 verifies that the financial document that user sends changes ticket instruction,
Bill business brings module 25 together according to the valuation of financial document electronic data and grading, the finance sending user
Bill changes ticket instruction and is traded brining together, sends financial document transaction to terminal access device 1 and brings data together,
User can receive and choose financial document transaction pinch in the bill business information summarizing module of terminal access device 1
Close data and send order request.After order completes, transaction credit grading module 26 locked transaction both sides relate to
The financial document electronic data of this transaction, and pay transaction sincere gold request to both parties' transmission, work as transaction
Both sides by line or line under type pay the sincere gold of transaction after then ratify transaction and carry out, as in the stipulated time
Interior transaction either one do not pay the sincere gold of transaction and then Cancel Transaction, and detain in the user credit record of delinquent party
Except its credit score.
Embodiment four
It is illustrated in figure 3 ticket barter deal flow chart of the present invention, after user logs in terminal access device 1, the most logical
Cross transmission module 11 on bill to import or scan and generate financial document electronic data and be uploaded to bill business server
2.Note validating module 22 is to the bill key element clarity of financial document electronic data, integrity, standardization
Audit, and according to information such as the draft banks in financial document electronic data, retrieve whether this financial document is located
In abnormalities such as reporting the loss, stop payment or freeze.Described in bill valuation and grading module 23 after checking
Financial document electronic data carries out valuation and grading, calculates the transaction value of bill, and by this financial document
The bill account module 18 of electronic data storage access customer.
When transaction is initiated, user enters ticket barter deal information module 14 and selects financial document electronic data to initiate
Financial document trading instruction in many ways.Bill business authentication module 24 verifies that the financial document that user sends is handed in many ways
Easily instruction, bill business is brought module 25 together according to the valuation of financial document electronic data and grading, is sent out user
The financial document gone out trading instruction in many ways is traded brining together, sends financial document to terminal access device 1 and hands over
Easily brining data together, user can receive in the bill business information summarizing module of terminal access device 1 and choose gold
Melt bill business bring together data send order request.After order completes, transaction credit grading module 26 locks
Transaction participant relates to the financial document electronic data of this transaction, and pays transaction really to transaction participant transmission
Letter gold request, when transaction participant by line or line under type pay the sincere gold of transaction after then ratify to conclude the business
Carrying out, as concluded the business at the appointed time, either one is not paid the sincere gold of transaction and then Cancels Transaction, and in delinquent party
User credit record in deduct its credit score.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all in the present invention
Spirit and principle within, any modification, equivalent substitution and improvement etc. made, should be included in the present invention
Protection domain within.
Claims (10)
1. a financial document Transaction Information based on B2B brings platform together, it is characterised in that including:
(a) terminal access device, described terminal access device also includes:
Subscriber information storing module, in order to store the module of user account information and credit record；
Transmission module on bill, for importing financial document or scanning and generate financial document electronic data
Reach bill business server；
Ticket gold Transaction Information module, buys in for selling according to described financial document electronic data initiation financial document
Instruction；
Ticket ticket Transaction Information module, changes ticket instruction for initiating financial document according to described financial document electronic data；
Ticket barter deal information module, pays the module of trading instruction in many ways for initiating financial document；
Bill business information summarizing module, for the financial document received and presentation of bill trading server end pushes
Transaction Information brings data together, user can according to financial document Transaction Information bring together data send order request and complete
Become on line or off-line transaction；
Transaction Information record queries module, concludes the business for ticket gold Transaction Information, the ticket ticket inquired about and display has been initiated
Information and the module of ticket barter deal information state；
(b) bill business information server, described bill business information server also includes:
Subscriber authentication module, in order to verify user's login account；
Note validating module, verifies in order to the described financial document electronic data uploading user；
Bill valuation and grading module, in order to estimate described financial document electronic data after checking
Value and grading；
Bill business information authentication module, in order to verify that the financial document that user sends sells buy orders, finance
Bill changes ticket instruction and financial document payment instruction；
Bill business information brings module together, according to valuation and the grading of financial document electronic data, sends user
Financial document sell buy orders, financial document change ticket instruction and financial document pay trading instruction in many ways and enter
Row Transaction Information is brought together, and Transaction Information is brought together result is sent to bill business information summarizing module；
Transaction credit grading module, comments for carrying out user credit according to the state of honouring an agreement of user's financial document transaction
Level.
A kind of financial document Transaction Information based on B2B brings platform together, its
Being characterised by, on described bill, positive and negative and the endorsement allonge of financial document are scanned or import by transmission module
Form complete financial document electronic data.
A kind of financial document Transaction Information based on B2B brings platform together, its
Be characterised by, described note validating module to the bill key element clarity of financial document electronic data, integrity,
Standardization is audited, and according to information such as the draft banks in financial document electronic data, retrieves this financial document
Whether it is in abnormalities such as reporting the loss, stop payment or freeze.
A kind of financial document Transaction Information based on B2B brings platform together, its
Being characterised by, described bill valuation and grading module are first according to the result of note validating module, to described gold
Melt bill electronic data and be made whether the grading of transaction value, then according in financial document electronic data
Denomination, the bill element informations such as row, region of opening an account, tenor, endorsement hands number of making out an invoice provide this gold
Melt the price potential of bill.
A kind of financial document Transaction Information based on B2B brings platform together, its
Being characterised by, the price potential of described financial document includes:
Today cashed price by bill, and today cashed price according to market instrument discount rate change on the same day by described bill
Change and change；
Change admission fee lattice, described in change admission fee lattice and include that inhomogeneity ticket changes admission fee lattice, non-single-candidate changes admission fee lattice and difference
Grading bill change admission fee lattice.
A kind of financial document Transaction Information based on B2B brings platform together, and it is special
Levying and be, described financial document changes ticket instruction and financial document pays trading instruction in many ways and includes being selected by user
Terms of trade, described terms of trade include:
Bill business type, described bill business type includes financial document material object off-line transaction or financial document
Electronic data online trading；
Make out an invoice row type, described in row type of making out an invoice include large, medium and small three types；
Tenor type, described tenor type includes long sterling, Medium Term Note and short bill three
Type, wherein the division of tenor is to remain natural law as foundation with bill away from the Expiration Date；
Allonge quantity type, described allonge quantity type includes not limiting allonge quantity, without allonge with less than one
To ten allonges；
Every amount of the instrument, described every amount of the instrument and quantity can be arranged voluntarily by user；
Transaction time limit, described transaction time limit is zero to N days, or untimed；
Other particular/special requirements, input voluntarily for user.
7. the financial document based on B2B of any one as described in claim 1 to 6 Transaction Information brings platform together,
It is characterized in that, described bill business information is brought module together and is cashed valency today according to bill business grade, bill
Lattice, change admission fee lattice and to change ticket condition be that weight carries out bill business matching degree calculating, and by matching result according to
The priority in price and region sends financial document Transaction Information to terminal access device and brings data together.
A kind of financial document Transaction Information based on B2B brings platform together, and it is special
Levy and be, when user sends after order asks and be agreed, described transaction credit grading module locked transaction
Both sides relate to the financial document electronic data of this transaction, and pay transaction sincere gold request to both parties' transmission,
When both parties by line or line under type pay the sincere gold of transaction after then ratify transaction and carry out, as on rule
Fix time interior transaction either one do not pay the sincere gold of transaction and then Cancel Transaction, and remember at the user credit of delinquent party
Record is deducted its credit score.
A kind of financial document Transaction Information based on B2B brings platform together, and it is special
Levy and be, after user on line or completes transaction under line, upload transaction results voluntarily or automatically, as produced
Transaction cancelled by counterparty's folk prescription, promise breaking pays or issues the violations such as false billing information, then transaction credit
Grading module is pressed deal engagement and is deducted the sincere gold of delinquent party's transaction, and detains in the user credit record of delinquent party
Except its credit score.
A kind of financial document Transaction Information based on B2B brings platform together, its
Being characterised by, described terminal access device also includes billing information account executive module, in order to show and to derive
Financial document electronic data that user is current and valuation thereof and grading, when its display mode can be initiated according to transaction
Between carry out ascending order or descending sort, carry out classification display according to the stateful transaction of financial document electronic data simultaneously.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610284347.2A CN105976247A (en) | 2016-04-29 | 2016-04-29 | Financial bill transaction information matching platform based on B2B |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610284347.2A CN105976247A (en) | 2016-04-29 | 2016-04-29 | Financial bill transaction information matching platform based on B2B |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105976247A true CN105976247A (en) | 2016-09-28 |
Family
ID=56994888
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610284347.2A Pending CN105976247A (en) | 2016-04-29 | 2016-04-29 | Financial bill transaction information matching platform based on B2B |
Country Status (1)
| Country | Link |
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| CN (1) | CN105976247A (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106779709A (en) * | 2016-12-27 | 2017-05-31 | 中国建设银行股份有限公司 | A kind of check processing method, client and processor |
| CN106845987A (en) * | 2017-01-16 | 2017-06-13 | 重庆中票科技有限公司 | A kind of online match system of bill business and method |
| CN106886935A (en) * | 2017-01-16 | 2017-06-23 | 重庆中票科技有限公司 | Bill business server |
| CN106897865A (en) * | 2017-01-16 | 2017-06-27 | 重庆中票科技有限公司 | Online bill synthesis transaction platform based on cloud service |
| CN107403356A (en) * | 2017-07-07 | 2017-11-28 | 上海果藤互联网金融信息服务有限公司 | A kind of bill operation system |
| CN107798603A (en) * | 2016-12-26 | 2018-03-13 | 上海壹账通金融科技有限公司 | Transaction data processing method and device |
| CN107862608A (en) * | 2017-11-27 | 2018-03-30 | 田标 | A kind of draft trade matching robot based on artificial intelligence |
| CN108053320A (en) * | 2017-11-07 | 2018-05-18 | 深圳市崇广科技有限公司 | Financing trade matching method of the same trade or business, equipment and computer readable storage medium |
| CN108536645A (en) * | 2018-04-04 | 2018-09-14 | 北京科东电力控制系统有限责任公司 | Kernel parallel calculating method and device for power market transaction business |
| CN108960851A (en) * | 2018-06-18 | 2018-12-07 | 南京大至企业管理有限公司 | A kind of bill business method and system based on bill guarantee |
| CN109034683A (en) * | 2018-06-28 | 2018-12-18 | 上海数据交易中心有限公司 | A kind of data distributing system and allocator |
| CN109255699A (en) * | 2018-08-23 | 2019-01-22 | 北京磁云唐泉金服科技有限公司 | Based on the inter-bank tune money method and apparatus brought together automatically |
| CN109741189A (en) * | 2019-01-28 | 2019-05-10 | 融易行(天津)网络科技有限公司 | A kind of bill business method and system |
| CN110033374A (en) * | 2019-04-12 | 2019-07-19 | 融易行(天津)网络科技有限公司 | A kind of bill business commercial affairs platform and method of commerce |
| CN110266663A (en) * | 2019-06-05 | 2019-09-20 | 上海票据交易所股份有限公司 | Anonymous bill business brings data transmission method and related system together |
| CN110276686A (en) * | 2019-06-05 | 2019-09-24 | 上海票据交易所股份有限公司 | A kind of bill line pop-up receiving method and system |
| CN110415119A (en) * | 2019-07-30 | 2019-11-05 | 中国工商银行股份有限公司 | Model training, bill business prediction technique, device, storage medium and equipment |
| CN111311369A (en) * | 2020-02-19 | 2020-06-19 | 融易行(天津)网络科技有限公司 | Bill transaction matching system and method |
| CN111507783A (en) * | 2020-04-13 | 2020-08-07 | 卓尔智联(武汉)研究院有限公司 | Electronic bill pushing method and device, block chain link point equipment and storage medium |
| CN114881781A (en) * | 2022-05-11 | 2022-08-09 | 孙继东 | Safe transaction system and method based on block chain technology |
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| CN101763619A (en) * | 2010-02-02 | 2010-06-30 | 中国工商银行股份有限公司 | Device and method for realizing electronic trade of financial instruments |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798603A (en) * | 2016-12-26 | 2018-03-13 | 上海壹账通金融科技有限公司 | Transaction data processing method and device |
| CN107798603B (en) * | 2016-12-26 | 2021-03-30 | 深圳壹账通智能科技有限公司 | Transaction data processing method and device |
| CN106779709A (en) * | 2016-12-27 | 2017-05-31 | 中国建设银行股份有限公司 | A kind of check processing method, client and processor |
| CN106845987A (en) * | 2017-01-16 | 2017-06-13 | 重庆中票科技有限公司 | A kind of online match system of bill business and method |
| CN106886935A (en) * | 2017-01-16 | 2017-06-23 | 重庆中票科技有限公司 | Bill business server |
| CN106897865A (en) * | 2017-01-16 | 2017-06-27 | 重庆中票科技有限公司 | Online bill synthesis transaction platform based on cloud service |
| CN107403356A (en) * | 2017-07-07 | 2017-11-28 | 上海果藤互联网金融信息服务有限公司 | A kind of bill operation system |
| CN108053320A (en) * | 2017-11-07 | 2018-05-18 | 深圳市崇广科技有限公司 | Financing trade matching method of the same trade or business, equipment and computer readable storage medium |
| CN107862608A (en) * | 2017-11-27 | 2018-03-30 | 田标 | A kind of draft trade matching robot based on artificial intelligence |
| CN108536645A (en) * | 2018-04-04 | 2018-09-14 | 北京科东电力控制系统有限责任公司 | Kernel parallel calculating method and device for power market transaction business |
| CN108536645B (en) * | 2018-04-04 | 2021-10-01 | 北京科东电力控制系统有限责任公司 | Kernel parallel computing method and device for electric power market transaction business |
| CN108960851A (en) * | 2018-06-18 | 2018-12-07 | 南京大至企业管理有限公司 | A kind of bill business method and system based on bill guarantee |
| CN109034683A (en) * | 2018-06-28 | 2018-12-18 | 上海数据交易中心有限公司 | A kind of data distributing system and allocator |
| CN109255699A (en) * | 2018-08-23 | 2019-01-22 | 北京磁云唐泉金服科技有限公司 | Based on the inter-bank tune money method and apparatus brought together automatically |
| CN109741189A (en) * | 2019-01-28 | 2019-05-10 | 融易行(天津)网络科技有限公司 | A kind of bill business method and system |
| CN110033374A (en) * | 2019-04-12 | 2019-07-19 | 融易行(天津)网络科技有限公司 | A kind of bill business commercial affairs platform and method of commerce |
| CN110276686A (en) * | 2019-06-05 | 2019-09-24 | 上海票据交易所股份有限公司 | A kind of bill line pop-up receiving method and system |
| CN110266663A (en) * | 2019-06-05 | 2019-09-20 | 上海票据交易所股份有限公司 | Anonymous bill business brings data transmission method and related system together |
| CN110415119A (en) * | 2019-07-30 | 2019-11-05 | 中国工商银行股份有限公司 | Model training, bill business prediction technique, device, storage medium and equipment |
| CN110415119B (en) * | 2019-07-30 | 2022-03-25 | 中国工商银行股份有限公司 | Model training method, bill transaction prediction method, model training device, bill transaction prediction device, storage medium and equipment |
| CN111311369A (en) * | 2020-02-19 | 2020-06-19 | 融易行(天津)网络科技有限公司 | Bill transaction matching system and method |
| CN111507783A (en) * | 2020-04-13 | 2020-08-07 | 卓尔智联(武汉)研究院有限公司 | Electronic bill pushing method and device, block chain link point equipment and storage medium |
| CN111507783B (en) * | 2020-04-13 | 2023-05-02 | 卓尔智联(武汉)研究院有限公司 | Electronic bill pushing method and device, blockchain node equipment and storage medium |
| CN114881781A (en) * | 2022-05-11 | 2022-08-09 | 孙继东 | Safe transaction system and method based on block chain technology |
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Effective date of registration: 20181225 Address after: 201201 No. 151 Qinjiazhai, Qinjiazhai Village, Heqing Town, Pudong New Area, Shanghai Applicant after: Li Huaimin Address before: Room 433, Block B, No. 2588 Jinhai Road, Pudong New Area, Shanghai, 20109 Applicant before: Shanghai Shun Lu Financial Information Service Co., Ltd. |
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