CN109584028B - Virtual resource allocation method and device - Google Patents
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Abstract
The invention provides a virtual resource scheduling method, which can be applied to a supply chain financial financing system and comprises the steps of establishing a mapping table of a virtual resource provider and a virtual resource occupier; acquiring a virtual resource allocation request initiated by the resource requester based on the resource occupation information; and querying the mapping table to determine whether a resource occupier related to the virtual resource allocation request has a resource allocation relationship with the resource provider, and if so, issuing the virtual resource allocation request to the virtual resource provider. A plurality of financial institutions capable of providing services are introduced into the same core enterprise in a supply chain financial system, and the defect that the credit line of a single financial institution is insufficient is overcome.
Description
Technical Field
The invention relates to the technical field of information processing, in particular to a financing method and a financing device suitable for a supply chain financial system.
Background
The essence of supply chain finance is a financing model that ties core and upstream and downstream enterprises together to provide flexible use of financial products and services. For a single core enterprise, especially a large core enterprise with huge financial revenue, the credit line granted by a single financial institution is often insufficient, so that it is urgently needed to orderly unify a plurality of financial institutions to provide supply chain financial services for a certain core enterprise.
Since a plurality of financial institutions share the provider information of all accounts payable of a core enterprise, the problem of leakage of business secrets related to the provider is often caused, and setting business authorities for different financial institutions according to specific providers is a problem which needs to be solved urgently.
Organizations, especially organizations or platforms that coordinate large commercial banks to provide financial services to core enterprises and their upstream suppliers, often need strong public trust facilities (such as the central organization), thereby limiting the supply chain financial services that a typical platform and organization coordinate the participation of multiple financial institutions. The security, irreversibility, non-tamper-ability, and transparency of blockchain technology have all been demonstrated, and if supply chain financial transactions could be built on such a proven blockchain, security and credit costs would be greatly reduced.
The development of the traditional supply chain financial business requires a large amount of legal documents to be signed among financial institutions, core enterprises and suppliers, so that a lot of complicated processes and high labor cost are derived. The electronic signature law of the people's republic of China, which was released in 2004, provides legal basis and credit endorsements for electronic signatures.
Disclosure of Invention
In view of the background art and the related problems, the present invention provides a virtual resource allocation method, which is applied to a virtual resource scheduling system, where the virtual resource scheduling system includes a virtual resource requester, a virtual resource occupier, and a virtual resource provider; the virtual resource provider allocates virtual resources to the resource requesters based on resource occupation information of the virtual resource occupier corresponding to the resource requesters; characterized in that the method comprises:
establishing a mapping table of the virtual resource provider and the virtual resource occupier; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource occupier;
acquiring a virtual resource allocation request initiated by the resource requester based on the resource occupation information;
inquiring the mapping table to determine whether a resource occupier related to the virtual resource allocation request has a resource allocation relation with the resource provider, and if so, issuing the virtual resource allocation request to the virtual resource provider;
acquiring virtual resource confirmation information sent by the virtual resource requester which has initiated the virtual resource allocation request from the resource provider;
acquiring a virtual resource allocation protocol initiated by the virtual resource requester after receiving the virtual resource confirmation information; the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively submit electronic signatures to the virtual resource allocation protocol; and issuing the virtual resource allocation protocol and the electronic signature to a block chain database based on a decentralized system.
Optionally, there are multiple virtual resource providers having a resource allocation relationship with the virtual resource occupier, and after the virtual resource provider sends a virtual resource confirmation message to the virtual resource requester that has initiated the virtual resource allocation request, the virtual resource requester selects one of the multiple virtual resource providers to initiate the virtual resource allocation protocol.
Optionally, the mapping table between the virtual resource provider and the virtual resource occupier further records the virtual resource provider having a resource priority allocation relationship with the virtual resource occupier, before the virtual resource scheduling system issues the virtual resource allocation request to a virtual resource provider having a resource allocation relationship with the virtual resource occupier, querying the mapping table to determine whether the resource occupier related to the virtual resource allocation request and the resource provider have a resource priority allocation relationship, if so, the virtual resource allocation request is issued to the virtual resource provider with the resource priority allocation relationship, the virtual resource provider having the resource priority allocation relationship may exclusively accept the virtual resource allocation request within a priority period, and virtual resource confirmation information that can be sent to the virtual resource requester that has initiated the virtual resource allocation request.
Optionally, after the priority time period is over, the virtual resource allocation request for the virtual resource confirmation information that is not sent by the virtual resource provider having the resource priority allocation relationship is sent to the virtual resource provider having the resource allocation relationship with the virtual resource occupier.
Optionally, the method further includes: establishing a mapping table of the virtual resource provider and the virtual resource requester; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource requester;
after the virtual resource scheduling system acquires a virtual resource allocation request initiated by the resource requester based on the resource occupation information, inquiring a mapping table of the virtual resource provider and the virtual resource occupier to determine whether the resource occupier and the resource provider related to the virtual resource allocation request have a resource allocation relationship, inquiring the mapping table of the virtual resource provider and the virtual resource requester to determine whether the resource requester and the resource provider related to the virtual resource allocation request have a resource allocation relationship, and if so, issuing the virtual resource allocation request to the virtual resource provider.
Optionally, the mapping table between the virtual resource provider and the virtual resource occupier further records the virtual resource provider having a resource priority allocation relationship with the virtual resource occupier;
after the virtual resource scheduling system acquires a virtual resource allocation request initiated by the resource requester based on the resource occupation information, querying a mapping table of the virtual resource provider and the virtual resource occupier to determine whether the resource occupier related to the virtual resource allocation request and the resource provider have a resource priority allocation relationship, and querying a mapping table of the virtual resource provider and the virtual resource requester to determine whether the resource requester and the resource provider related to the virtual resource allocation request have a resource allocation relationship, if yes, the virtual resource allocation request is sent to the virtual resource provider, the virtual resource provider with the resource priority allocation relationship can exclusively accept the virtual resource allocation request within a priority time period, and virtual resource confirmation information that can be sent to the virtual resource requester that has initiated the virtual resource allocation request.
Optionally, the virtual resource allocation method is a financing method, the virtual resource scheduling system is a supply chain financial financing system, the virtual resource requester is a supplier, the virtual resource occupier is a core enterprise, the virtual resource provider is a financial institution, the resource occupancy information is account information that the supplier should receive from the core enterprise, the virtual resource allocation request is a financing request, the virtual resource confirmation information is financing confirmation information, the resource allocation relationship is a financing cooperation relationship, and the virtual resource includes one or a combination of multiple resource forms such as money, commercial draft, bank acceptance draft and the like.
The invention also provides a financing method, which is applied to a supply chain financial financing system, wherein the supply chain financial financing system comprises a supplier, a core enterprise and a financial institution; wherein the financial institution performs financing allocation for the supplier based on accounts receivable information of the supplier corresponding to the core enterprise; characterized in that the method comprises:
establishing a mapping table of the financial institution and the core enterprise; wherein the mapping table records financial institutions having financing cooperative relationship with the core enterprise;
acquiring a financing request initiated by the supplier based on the account receivable information;
querying the mapping table to determine whether the core enterprise related to the financing request has a financing cooperative relationship with a financial institution; if yes, the financing request is sent to the financial institution;
acquiring financing confirmation information sent by the financial institution to the supplier who has initiated the financing request;
acquiring a financing distribution protocol initiated by the supplier after receiving the financing confirmation information; and the core enterprise, the supplier and the financial institution respectively sign the electronic signature submitted by the financing distribution agreement and issue the financing distribution agreement and the electronic signature to a block chain database based on a decentralized system.
The invention also provides a virtual resource scheduling system, which comprises:
the first building module is used for building a mapping table of a virtual resource provider and a virtual resource occupier; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource occupier;
the first acquisition module is used for acquiring a virtual resource allocation request initiated by a resource requester based on the resource occupation information;
the first query module is used for querying the mapping table to determine whether a resource occupier and the resource provider which are related to the virtual resource allocation request have a resource allocation relationship;
the first initiating module is used for issuing the virtual resource allocation request to the virtual resource provider after the first query module queries that the result is 'yes';
a second obtaining module, configured to obtain virtual resource confirmation information sent by the resource provider to the virtual resource requester that has initiated the virtual resource allocation request,
a third obtaining module, configured to obtain a virtual resource allocation protocol initiated by the virtual resource requestor after receiving the virtual resource confirmation information; and the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively submit electronic signatures to the virtual resource allocation protocol, and issue the virtual resource allocation protocol and the electronic signatures to a block chain database based on a decentralized system.
The invention also provides a supply chain financial financing system, which comprises:
the second construction module is used for establishing a mapping table of the financial institution and the core enterprise; wherein the mapping table records financial institutions having financing cooperative relationship with the core enterprise;
the fourth acquisition module is used for acquiring a financing request initiated by a supplier based on the receivable information;
the second query module is used for querying the mapping table to determine whether the core enterprise related to the financing request has a financing cooperative relationship with the financial institution;
the second initiating module is used for issuing the financing request to the financial institution after the first query module queries that 'yes';
a fifth obtaining module, configured to obtain financing confirmation information sent by the financial institution to the supplier who has initiated the financing request,
a sixth obtaining module, configured to obtain a financing allocation protocol initiated by the provider after receiving the financing confirmation information; and the core enterprise, the supplier and the financial institution respectively sign the electronic signature submitted by the financing distribution agreement and issue the financing distribution agreement and the electronic signature to a block chain database based on a decentralized system.
In the invention, the virtual resource scheduling system can inquire whether the resource occupier related to the virtual resource allocation request has a resource allocation relation with the resource provider or not based on the established mapping table of the virtual resource provider and the virtual resource occupier, so that the virtual resource allocation request of the virtual resource requester is sent to the virtual resource provider having the resource allocation relation with the virtual resource occupier related to the virtual resource occupancy information, and the purpose of orderly organizing the virtual resource providers is achieved; furthermore, a resource priority allocation relationship between the resource occupier and the resource provider is established in the mapping table, so that the virtual resource allocation request information is provided for different virtual resource providers in a grading manner, and the purpose of permission isolation is achieved. Furthermore, the virtual resource scheduling system also establishes a resource allocation relationship between the virtual resource requester and the virtual resource provider, so that the virtual resource provider can obtain the virtual resource allocation request sent by the virtual resource requester to achieve the purpose of multiple permission isolation, and the confidentiality requirement of the information covered by the virtual resource allocation request is further ensured.
The technical scheme provided by the invention is applied to the financing scene of the receivable account information, and a plurality of financial institutions capable of providing service are introduced into the same core enterprise in the supply chain financial system, so that the defect of insufficient credit line of a single financial institution is overcome. Meanwhile, through the method of authority control, the multiple financial institutions are orderly organized, namely a supplier can select at least one financial institution to initiate a financing agreement from financing confirmation information of the multiple financial institutions with the support authority; furthermore, the financial institutions with the priority authority can browse the financing willingness of the suppliers and provide financing confirmation information in the priority period, the suppliers can select the financing confirmation information provided by the financial institutions to initiate financing agreements in the priority period, and the scheme sets two authorities for different financial institutions of the same core enterprise and effectively organizes each financial institution. Further, by establishing a financing partnership mapping table between the financial institution and the supplier, technical assurance is provided for protecting business secret information contained in accounts receivable of the supplier again. The financing method and the financing device provided by the invention are established by depending on the block chain, and particularly, a tripartite agreement with legal contract property signed by each party by adopting an electronic signature is backed up to a decentralized block chain distributed database, so that the problem of the public trust of the operator of the financing method and the device is solved.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present invention, and other drawings can be obtained by those skilled in the art according to the drawings.
FIG. 1 is a flow chart of a virtual resource allocation method of the present invention;
FIG. 2 is a logic block diagram of a virtual resource scheduling system according to an embodiment of the present invention;
fig. 3 is a hardware architecture diagram of a hardware device carrying the virtual resource scheduling system according to an embodiment of the present invention;
FIG. 4 is a logical block diagram illustrating a financing scheduling system in accordance with one embodiment of the present invention;
fig. 5 is a hardware architecture diagram of a hardware device carrying the financing scheduling system according to an embodiment of the present invention.
Detailed Description
Supply chain finance generally refers to a comprehensive financial product and service provided for supply chain upstream and downstream enterprises by regarding a core enterprise and related upstream and downstream enterprises as a whole, relying on the core enterprise and taking real trade as the premise and applying a self-compensation trade financing mode. Depending on the financing guaranty, the financial institution divides supply chain financing into accounts receivable, pre-paid, and inventory financing, where the accounts receivable is particularly large in size.
The data of the national statistical office shows that at the end of 2016, accounts receivable for industrial enterprises of more than the scale of China are 12.6 trillion yuan, which is increased by 10% on year-by-year basis, and huge financing requirements of the enterprises are generated. Compared with huge accounts receivable, the commercial guarantee amount of China in 2015 is only about 2000 million yuan, and it can be seen that a large number of supply chain requirements are not met, so that the development space of the supply chain financial industry is huge. For a single core enterprise, especially a large core enterprise with huge financial revenue, the credit line granted by a single financial institution is often insufficient, so that it is urgently needed to orderly unify a plurality of financial institutions to provide supply chain financial services for a certain core enterprise.
The invention provides a financing method of a supply chain financial system of a plurality of financial institutions capable of providing services, which is introduced into the same core enterprise. The term "financial institution" as used herein generally refers to an institution that can provide financing, such as a bank, a financial company of a core enterprise, a third-party financial company, etc., and the term "financing" as used herein includes, but is not limited to, monetary funds loan, commercial draft, bank acceptance draft, etc. The present invention is described below with reference to specific embodiments and specific application scenarios.
Referring to fig. 1, fig. 1 is a flowchart illustrating a virtual resource allocation method applied to a virtual resource scheduling system according to an embodiment of the present invention, which includes the following steps:
102, acquiring a virtual resource allocation request initiated by the resource requester based on the resource occupation information;
104, if yes, sending the virtual resource allocation request to the virtual resource provider;
The virtual resource may include any form of virtual object that can be allocated as a resource facing a resource requester; the resource requester is a party who applies for virtual resource allocation requirements to the resource provider; the resource provider is a party which has a large amount of "idle" virtual resources and can allocate the virtual resources to the resource requester; the resource occupying party is a party which maintains a virtual resource occupying relation with the resource requesting party and occupies a certain amount of virtual resources of the resource requesting party; correspondingly, the resource occupation information may refer to a resource occupation record related to the virtual resource occupation relationship; the resource occupation information may include the number of virtual resources occupied by the resource occupying party on the resource requesting party, and other information related to the resource occupation; the virtual resource allocation protocol may refer to a written certificate or a file negotiated by a resource requester, a resource occupier, a resource provider, and the like, and requesting allocation of virtual resources to the resource provider based on the resource occupancy information.
The virtual resource scheduling system may be specifically an online system platform capable of providing online virtual resource scheduling services for the resource requesters, and initiating virtual resource allocation corresponding to the resource requesters online to the resource providers based on virtual resource occupation information of the resource occupier corresponding to the resource requesters.
The system architecture of the virtual resource scheduling system and the specific type of the hardware device carrying the virtual resource scheduling system are not particularly limited in the present invention;
in an embodiment shown, the virtual resource scheduling system may specifically be communicated with a decentralized architecture based distributed system, or may itself be a decentralized architecture based distributed system; the decentralized architecture refers to the fact that a plurality of node devices are distributed in a system, and each node device presents a highly autonomous decentralized characteristic. In a decentralized architecture system, a consensus mechanism (such as a specific consensus negotiation algorithm) can be carried among node devices, and locally generated data is synchronized to other node devices in the system, so that all the node devices can jointly maintain a complete database; for example, a "bitcoin" transaction system implemented based on the blockchain technology is a typical decentralized architecture-based distributed system.
In the present invention, the resource scheduling system may be used as an online platform, and may establish a mapping table between the virtual resource provider and the virtual resource occupier, where the mapping table records the virtual resource provider having a resource allocation relationship with the virtual resource occupier. In specific services, firstly, a virtual resource allocation request initiated by the resource requester based on the resource occupation information is acquired, then the mapping table is inquired to determine whether the resource occupier related to the virtual resource allocation request has a resource allocation relationship with the resource provider, and if so, the virtual resource allocation request is issued to the virtual resource provider; further, the virtual resource provider may consider whether to transmit virtual resource confirmation information for the virtual resource allocation request or confirm specific virtual resource allocation contents to be included in the transmitted virtual resource confirmation information according to actual conditions. After receiving the virtual resource confirmation information sent by the virtual resource provider, the virtual resource requester can consider whether to initiate a virtual resource allocation protocol according to the specific situation of the virtual resource requester, wherein the allocation protocol is a legal-effect protocol text established on the basis of the specific content of the virtual resource confirmation information sent by the virtual resource provider, and after acquiring electronic signatures submitted by the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively for the virtual resource allocation protocol, the virtual resource allocation protocol and the electronic signatures are sent to a block chain database based on a decentralized system so as to complete legal storage signed for the virtual resource allocation protocol.
The technical solution of the present invention will be described in detail below with reference to an application scenario of financing loan to a financial institution based on receivable information in the field of financial technology.
In this application scenario, the "virtual resource" may refer to a fund that can be issued to an applicant as a loan, or may be in other forms such as a commercial draft or a bank acceptance draft; the "virtual resource allocation" may refer to financing; the "resource requester" may refer to a supplier having a demand for financing based on receivables information with a core enterprise; the "resource occupier" may be a core enterprise as a debtor corresponding to the receivable payment of the supplier; the "resource occupation information" may be receivable information between the provider and the core enterprise; the accounts receivable information may generally include the debt amount of the core enterprise corresponding to the supplier, and other information related to the debt; the "resource provider" may be a bank, or other type of financial institution that qualifies for financing based on receivables information; the virtual resource allocation agreement may be a legal receivables financing three-party agreement negotiated among the bank, the core enterprise and the supplier.
The technical scheme of the invention is described in detail in the following four stages of construction of financing cooperative relationship between core enterprises and financial institutions, initiation of financing loan requests, initiation of financing confirmation information, initiation and signing of three-party protocols and the like.
【1】 Constructing financing cooperative relationship between core enterprise and financial institution
In this example, the virtual resource scheduling system may be a supply chain financial financing system. In the supply chain, a core enterprise generally refers to a leading enterprise that purchases products or services from multiple upstream suppliers to form a final product. In this patent, the core enterprise is not limited in scale and product, and any enterprise that has an accounting relationship with at least one upstream provider for a certain accounting period due to procurement of products or services of the upstream provider is referred to as a "core enterprise" in this patent. In actual production and management, a core enterprise usually purchases hundreds of products or services of upstream suppliers to form accounts payable with huge total amount, and one financial institution is far from enough to provide a reverse guarantee for the accounts payable in supply chain finance, so that introduction of multiple financial institutions for the supply chain financial service of accounts payable for one core enterprise is an urgent problem to be solved in the industry.
The patent provides a supply chain financial financing system, which gives financing cooperative relations with different authorities between financial institutions and core enterprises by constructing a mapping table of the financial institutions and the core enterprises in a system database, thereby achieving the purpose of orderly managing a plurality of financial institutions to carry out supply chain financial services.
In the initial state, the supplier, the core area and the financial institution can perform registration in the supply chain financial financing system in advance to create a related service account, and perform identity verification by using an electronic signature.
In an embodiment shown, the three parties can respectively hold an electronic signature hardware with an electronic signature algorithm built in; the electronic signature hardware may be provided by an operator of the supply chain financial financing system, or may be provided by a third-party CA (Certificate Authority) organization having a cooperative relationship with the operator of the supply chain financial financing system.
After the registration is finished, the three parties can rely on the supply chain financial financing system to sign a confirmation book on line, and submit an electronic signature to the confirmation book on line based on the held electronic signature hardware; after the electronic signature is completed, the above three parties can further upload the above-mentioned confirmation file and submitted electronic signature to the above-mentioned supply chain financial financing system or decentralized block chain database connected with said system.
The information in the confirmation may include identity information (such as a certificate associated with the identity of the user, etc.) submitted by the above three parties, and authorization information of the three parties to the supply chain financial financing system. The specific content of the authorization information is not limited in the present application; for example, in practical applications, the authorization information may specifically be a templatized authorization document provided by an operator of the supply chain financial financing system.
In this way, the confirmation file and the submitted electronic signature can be respectively backed up to each node device in the decentralized system for archiving, so that when the confirmation file and the electronic signature stored on the background deployed server by the system operator are lost or damaged, relevant backup data still exist on other node devices in the system.
It is well known to those skilled in the art that the backup of the confirmation can also be archived in a centralized server, and will not be described herein.
After the supply chain financial financing system acquires the confirmation file signed by the three parties on line and the submitted electronic signature, the three parties can be considered to finish the confirmation and authorization of the registered identity, and the subsequent three parties can log in the supply chain financial financing system platform by using the registered service account number to finish the subsequent financing loan process.
For arranging the relationship between a plurality of financial institutions and the core enterprises having cooperative relationships, as shown in fig. 4, a financing cooperative relationship mapping table of the financial institutions and the core enterprises is first constructed in a database, and the mapping table records the cooperative rights associated with the financial institutions and the core enterprises, such as "financing cooperative relationship" and "financing priority cooperative relationship". The financing cooperative relationship refers to the common authority of the financial institution and the core enterprise, and the financial institution having the financing cooperative relationship cooperative authority with a certain core enterprise can acquire the receivable financing request corresponding to the core enterprise and provided by the supplier, and can make financing confirmation information for the financing request according to the comprehensive consideration of the financial institution (such as the reverse guarantee credit limit of the core enterprise, the product field of the supplier, credit and other consideration factors). The financial institution having the cooperation authority of the financing priority cooperation relation with a certain core enterprise can preferentially and exclusively (i.e. excluding other financial institutions having ordinary authority) acquire the receivable financing request corresponding to the core enterprise, which is provided by the supplier, in a time period set by a system (e.g. within 3 working days), and can make financing confirmation information on the financing request according to self comprehensive consideration (e.g. consideration factors such as reverse guarantee credit limit of the core enterprise, product field of the supplier, credit and the like) in the set time period.
In the technical scheme provided by the invention, the necessary requirements before and after time sequence do not exist between the financing cooperative relation mapping table of the financial institution and the core enterprise and the user registration, and the supply chain financial financing system can establish the mapping table in the system database when receiving the financing cooperative relation application table submitted by the financial institution or the core enterprise without waiting for the corresponding institution or enterprise to complete registration and identity authentication.
【2】 Initiation of financing requests
In the supply chain financial financing system provided by the invention, account receivable information between the core enterprise and the supplier is acquired at first. The receivable account information may be actively input to the financing system by a core enterprise after logging in the supply chain financial financing system, or actively provided to the financing system by a supplier by relying on a user interface provided by the supply chain financial financing system for a user, or actively collected by the financing system by other legal means, for example, the receivable account information may be interfaced with other receivable account information service platforms to synchronize a large amount of receivable account information stored in other platforms to the local. The manner of acquiring the receivable information is not limited in the present invention. After the supply chain financial financing system acquires the receivable (or payable) account information, the corresponding relationship between the core enterprise and the receivable (or payable) account information (for the core enterprise), can be established in the database.
In the invention, a financial institution having a financing cooperative relationship cooperative authority (including the above-mentioned general authority and priority authority) with a certain core enterprise can acquire an accounts receivable financing request corresponding to the core enterprise and provided by a supplier. The financing request generally includes the contents of interest such as the amount of the financing request, the manner of handling the debt (e.g. transfer or credit of the debt); in the supply chain financial financing system provided by the invention, the supplier can make an electronic signature for the financing request lifted by the supplier based on the electronic signature making data (namely a private key) which is held by the supplier and represents the identity of the supplier, and upload the financing request and the corresponding electronic signature to the supply chain financial financing system or store and backup in a block chain database connected with the system.
Preferably, since the supplier list and the accounts receivable information are generally the business secret information of the core enterprise, in order to protect the business secret of the core enterprise, the supply chain financial financing system provided by the invention can further set a financing cooperation relation mapping table between the financial institution and the supplier, and set the authority for the financial institution to view the accounts receivable information of the relevant supplier. The specific setting mode of the authority is not particularly limited in the present invention, and the financial institution party having a cooperative relationship with a certain provider may view the receivable financing requests of the providers related to the core enterprise having a cooperative relationship with the certain provider, or the financial institution may view the receivable financing requests of all the providers related to the core enterprise having a cooperative relationship with the certain provider, except for establishing a non-cooperative relationship with the certain provider.
In this example, when the supply chain financial financing system acquires the receivable information between the supplier and the core enterprise and completes the verification of the receivable information, a notification for informing the supplier to confirm whether to initiate the financing loan to the financial institution based on the receivable information may be sent to the supplier corresponding to the verified receivable information; for example, in practical applications, the notification message may specifically be a message "do you have a receivable for financing loan, continue? "prompt the message with text.
In this case, the supplier may confirm the notification message based on its actual financing loan requirements. When the supplier has the demand of financing loan at present, after confirming the notification message, a confirmation message can be returned to the supply chain financial financing system; after receiving the confirmation message, the supply chain financial financing system indicates that the supplier authorizes the financing loan, and at this time, the financing request information can be further pushed to the financial institution having financing cooperation relationship with the core enterprise corresponding to the receivable payment.
Regarding the verification of the corresponding receivable information, documents, contracts and other types of legal documents which can prove the receivable debt between the core enterprise and the supplier can be pushed and displayed to the core enterprise and the supplier respectively through the user interface when being realized, so that the core enterprise and the supplier can manually verify the corresponding receivable information. After the core enterprise and the supplier confirm the receivable information pushed by the system, the financing system successfully verifies the authenticity of the receivable information.
It should be noted that, for the financial institution having the financing priority cooperation relationship (i.e. priority authority) with the core enterprise, if no financing confirmation information is sent to the financing request sent by the supplier corresponding to the receivable payment after the priority period is over, the financing request will be pushed to the financial institution having the financing cooperation relationship (i.e. normal authority) with the core enterprise by the financing system provided by the present invention, and the financing confirmation will be performed.
Therefore, the invention establishes the financing cooperative relation mapping table of the core enterprise and the financial institutions and the financing cooperative relation mapping table of the financial institutions and the suppliers, and overall organizations arrange that a plurality of financial institutions carry out supply chain financial services for the core enterprise and the suppliers thereof, thereby solving the problem that the insufficient credit of a single financial institution is not beneficial to the large-scale expansion of the supply chain financial services.
【3】 Initiation of financing confirmation information
After acquiring a financing request sent by a supplier and based on account receivable information, a financial institution may send financing confirmation information to the supplier based on the credit line analysis of the core enterprise as the account receivable debtor by the self institution, and the financing confirmation information may generally include the quotation of financing loan, such as the interest rate, discount, repayment deadline and the like of the financing loan. Also, in order to ensure that the financing confirmation information is expressed by the real will of the financial institution, the financing confirmation information usually needs to be attached with the signature of the financial institution, in the supply chain financial financing system provided by the invention, the financial institution can make an electronic signature for the financing confirmation information sent by the financial institution based on the electronic signature making data (namely, a private key) which is held by the financial institution and represents the identity of the financial institution, and upload the financing request and the corresponding electronic signature to the supply chain financial financing system or a block chain database connected with the system for evidence storage and backup.
In the invention, as the core enterprise corresponding to the receivable payment can have a plurality of financial institutions with financing cooperation relationship, and different financial institutions can initiate financing confirmation information for the available financing request, the mode gives the supplier corresponding to the receivable payment information the right of selecting the financial institution to carry out the financing service, and selects a proper bank or financial institution to carry out financing loan by checking the information of financing loan quotation and the like of each financial institution, which is beneficial to reducing the financing cost and improving the quality of financing loan.
【4】 Three-party protocol initiation and signing
As described above, the supplier corresponding to the receivable information can select one of the obtained financing confirmation information initiated by the plurality of financial institutions, initiate a financing distribution agreement based on the receivable information, the financing distribution agreement generally includes detailed information of the receivable (such as unique ID and account amount of the receivable information in the supply chain financial financing system provided by the present invention), a handling mode of the credit of the receivable account (such as credit transfer or credit), and financing agreement (such as interest rate, discount, repayment deadline, and other information) consistent with the financing confirmation information initiated by the financial institution.
It should be noted that the specific form of the receivable financing tripartite agreement negotiated among the financial institution, the supplier and the core enterprise is not particularly limited in the present invention. In the invention, any written document or file with legal effectiveness negotiated by financial institutions, suppliers, core enterprises and other parties depending on an on-line system can be used as the three-party agreement of the accounts receivable financing.
For example, in one embodiment shown, the receivable financing tripartite agreement may be a legally effective templated tripartite agreement document provided by a financing system and requiring mutual signing by third parties, such as financial institutions, suppliers, and core enterprises. In this case, the above three parties can rely on the online system to fill and negotiate the contents in the three-party agreement document, and finally reach a consensus.
In another embodiment, the three-party agreement for receivable financing may be a notification file (the notification file may be a non-templated file, and the specific format may not be strictly fixed) of transfer of creditor negotiated by an online system, and a confirmation file of receipt of the notification file after confirmation by another party other than the two parties.
For example, in one implementation, the accounts receivable financing three-party agreement may include a notification file of transfer of debt negotiated by a financial institution, a supplier over an online system; and a debt confirmation file including information such as payment due date and the like, which is returned after the core enterprise confirms the notification file. Under the condition, after the bank and the supplier negotiate the notification file of the transfer of the debt right by relying on the on-line system, the bank and the supplier can submit the notification file to the core enterprise on line for continuous processing, and the core enterprise confirms the debt; after the core enterprise confirms the notification file, a debt confirmation file containing information such as payment due period can be returned by depending on the online system.
The eighty rules of the contract law of China: the creditor should be notified of the transfer rights. Without notice, the transfer is not effected to the debtor. Therefore, the financing distribution agreement covering the content of the creditor transfer notice has a vital evidence function in supply chain financial services based on the expansion of accounts receivable, in the supply chain financial financing system provided by the invention, suppliers, core enterprises and financial institutions related to the accounts receivable financing need to make electronic signatures for the financing distribution agreement, and the text and the electronic signatures of the financing distribution agreement are sent to a decentralized block chain database for evidence storage and backup.
After the above-mentioned three-party agreement is signed, the financing system can further inform the financial institution to issue financing to the supplier according to the agreement of the three-party agreement, and the concrete financing form can be one or more combination of resource forms of currency, commercial draft, bank acceptance draft, etc. The financing issuing mode can be carried out on line of the financing system, and can be completed through offline account transfer, which is not described herein again.
Corresponding to the method embodiment, the application also provides a system embodiment.
Referring to fig. 2, a virtual resource scheduling system 20 is provided.
Referring to fig. 3, a hardware architecture related to a hardware device carrying the virtual resource scheduling system 20 generally includes a processor, a memory, a non-volatile memory, a network interface, an internal bus, and the like; in software implementation, the virtual resource scheduling system 20 may be generally understood as a computer program loaded in a memory, and a logic device formed by a combination of software and hardware after being executed by a processor, where the virtual resource scheduling system 20 includes:
a first building module 201, configured to build a mapping table between a virtual resource provider and a virtual resource occupier; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource occupier;
a first obtaining module 202, configured to obtain a virtual resource allocation request initiated by a resource requester based on resource occupation information;
a first query module 203, configured to query the mapping table to determine whether a resource consumer and the resource provider related to the virtual resource allocation request have a resource allocation relationship;
the first initiating module 204 is configured to issue the virtual resource allocation request to the virtual resource provider after the first querying module queries that "yes" is obtained;
a second obtaining module 205, configured to obtain virtual resource confirmation information sent by the resource provider to the virtual resource requester that has initiated the virtual resource allocation request,
a third obtaining module 206, configured to obtain a virtual resource allocation protocol initiated by the virtual resource requestor after receiving the virtual resource confirmation information; and the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively submit electronic signatures to the virtual resource allocation protocol, and issue the virtual resource allocation protocol and the electronic signatures to a block chain database based on a decentralized system.
Referring to fig. 4, a financing system 40 for supply chain finance is provided.
Referring to fig. 5, the hardware architecture related to the hardware device carrying the financing system 40 generally includes a processor, a memory, a non-volatile memory, a network interface, an internal bus, and the like; in a software implementation, the financing scheduling system 40 may be generally understood as a computer program loaded in a memory, and a logic device formed by a processor running the computer program in combination with software and hardware, wherein the financing system 40 includes:
the second construction module is used for establishing a mapping table of the financial institution and the core enterprise; wherein the mapping table records financial institutions having financing cooperative relationship with the core enterprise;
the fourth acquisition module is used for acquiring a financing request initiated by a supplier based on the receivable information;
the second query module is used for querying the mapping table to determine whether the core enterprise related to the financing request has a financing cooperative relationship with the financial institution;
the second initiating module is used for issuing the financing request to the financial institution after the first query module queries that 'yes';
a fifth obtaining module, configured to obtain financing confirmation information sent by the financial institution to the supplier who has initiated the financing request,
a sixth obtaining module, configured to obtain a financing allocation protocol initiated by the provider after receiving the financing confirmation information; and the core enterprise, the supplier and the financial institution respectively sign the electronic signature submitted by the financing distribution agreement and issue the financing distribution agreement and the electronic signature to a block chain database based on a decentralized system.
The systems and modules illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer or server. The specific form of computer may be a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices. From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the modules described as separate components may or may not be physically separate, and the functions of the modules may be implemented in one or more software and/or hardware when implementing the solution of the present application. And part or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.
Claims (10)
1. A virtual resource allocation method is applied to a virtual resource scheduling system, wherein the virtual resource scheduling system comprises a virtual resource requester, a virtual resource occupier and a virtual resource provider; the virtual resource provider allocates virtual resources to the resource requesters based on resource occupation information of the virtual resource occupier corresponding to the resource requesters; characterized in that the method comprises:
establishing a mapping table of the virtual resource provider and the virtual resource occupier; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource occupier;
acquiring a virtual resource allocation request initiated by the resource requester based on the resource occupation information;
inquiring the mapping table to determine whether a resource occupier related to the virtual resource allocation request has a resource allocation relation with the resource provider, and if so, issuing the virtual resource allocation request to the virtual resource provider;
acquiring virtual resource confirmation information sent by the virtual resource requester which initiates a virtual resource allocation request from the resource provider, wherein the virtual resource confirmation information contains specific virtual resource allocation content;
acquiring a virtual resource allocation protocol initiated by the virtual resource requester after receiving the virtual resource confirmation information; the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively submit electronic signatures to the virtual resource allocation protocol; and issuing the virtual resource allocation protocol and the electronic signature to a block chain database based on a decentralized system.
2. The method according to claim i, wherein there are a plurality of virtual resource providers having a resource allocation relationship with the virtual resource occupier, and after the virtual resource provider sends a virtual resource confirmation message to the virtual resource requester that has initiated the virtual resource allocation request, the virtual resource requester selects one of the plurality of virtual resource providers to initiate the virtual resource allocation protocol.
3. The method according to claim 2, wherein the mapping table between the virtual resource provider and the virtual resource occupier further records a virtual resource provider having a resource priority allocation relationship with the virtual resource occupier, before the virtual resource scheduling system issues the virtual resource allocation request to the virtual resource provider having a resource allocation relationship with the virtual resource occupier, the mapping table is queried to determine whether the resource occupier associated with the virtual resource allocation request has a resource priority allocation relationship with the resource provider, if so, the virtual resource allocation request is issued to the virtual resource provider having a resource priority allocation relationship, and the virtual resource provider having a resource priority allocation relationship can exclusively accept the virtual resource allocation request within a priority period, and virtual resource confirmation information which can be sent to the virtual resource requester who has initiated the virtual resource allocation request.
4. The virtual resource allocation method according to claim 3, wherein after the priority time period ends, the virtual resource allocation request for the virtual resource confirmation information that has not been sent by the virtual resource provider having the resource priority allocation relationship is issued to the virtual resource provider having the resource allocation relationship with the virtual resource consumer.
5. The virtual resource allocation method according to claim i, wherein said method further comprises: establishing a mapping table of the virtual resource provider and the virtual resource requester; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource requester;
after the virtual resource scheduling system acquires a virtual resource allocation request initiated by the resource requester based on the resource occupation information, inquiring a mapping table of the virtual resource provider and the virtual resource occupier to determine whether the resource occupier and the resource provider related to the virtual resource allocation request have a resource allocation relationship, inquiring the mapping table of the virtual resource provider and the virtual resource requester to determine whether the resource requester and the resource provider related to the virtual resource allocation request have a resource allocation relationship, and if so, issuing the virtual resource allocation request to the virtual resource provider.
6. The virtual resource allocation method according to claim 5, wherein the mapping table between the virtual resource provider and the virtual resource occupier further records the virtual resource provider having a resource priority allocation relationship with the virtual resource occupier;
after the virtual resource scheduling system acquires a virtual resource allocation request initiated by the resource requester based on the resource occupation information, querying a mapping table of the virtual resource provider and the virtual resource occupier to determine whether the resource occupier related to the virtual resource allocation request and the resource provider have a resource priority allocation relationship, and querying a mapping table of the virtual resource provider and the virtual resource requester to determine whether the resource requester and the resource provider related to the virtual resource allocation request have a resource allocation relationship, if yes, the virtual resource allocation request is sent to the virtual resource provider, the virtual resource provider with the resource priority allocation relationship can exclusively accept the virtual resource allocation request within a priority time period, and virtual resource confirmation information which can be sent to the virtual resource requester who has initiated the virtual resource allocation request.
7. The virtual resource allocation method according to any one of claims 1 to 6, wherein the virtual resource allocation method is a financing method, the virtual resource scheduling system is a supply chain financial financing system, the virtual resource requester is a supplier, the virtual resource occupier is a core enterprise, the virtual resource provider is a financial institution, the resource occupancy information is information of receivable accounts of the core enterprise by the supplier, the virtual resource allocation request is a financing request, the virtual resource confirmation information is financing confirmation information, the resource allocation relationship is a financing cooperation relationship, and the virtual resource includes one or more combinations of resource forms such as currency, commercial draft, bank acceptance draft, and the like.
8. A financing method is applied to a supply chain financial financing system, wherein the supply chain financial financing system comprises a supplier, a core enterprise and a financial institution; the financial institution distributes financing for the supplier based on accounts receivable information of the supplier corresponding to the core enterprise, and is characterized in that the method comprises the following steps:
establishing a mapping table of the financial institution and the core enterprise; wherein the mapping table records financial institutions having financing cooperative relationships with the core enterprise;
acquiring a financing request initiated by the supplier based on the account receivable information;
querying the mapping table to determine whether the core enterprise related to the financing request has a financing cooperative relationship with a financial institution; if yes, the financing request is sent to the financial institution;
acquiring financing confirmation information sent by the financial institution to the supplier who has initiated the financing request, wherein the virtual resource confirmation information comprises specific virtual resource allocation content;
acquiring a financing distribution protocol initiated by the supplier after receiving the financing confirmation information; and the core enterprise, the supplier and the financial institution respectively sign the electronic signature submitted by the financing distribution agreement and issue the financing distribution agreement and the electronic signature to a block chain database based on a decentralized system.
9. A virtual resource scheduling system, the system comprising:
the first building module is used for building a mapping table of a virtual resource provider and a virtual resource occupier; the mapping table records a virtual resource provider having a resource allocation relation with a virtual resource occupier;
the first acquisition module is used for acquiring a virtual resource allocation request initiated by a resource requester based on the resource occupation information;
the first query module is used for querying the mapping table to determine whether a resource occupier and the resource provider which are related to the virtual resource allocation request have a resource allocation relationship;
the first initiating module is used for issuing the virtual resource allocation request to the virtual resource provider after the first query module queries that the result is 'yes';
a second obtaining module, configured to obtain virtual resource confirmation information sent by the resource provider to the virtual resource requester that has initiated the virtual resource allocation request, where the virtual resource confirmation information includes specific virtual resource allocation content;
a third obtaining module, configured to obtain a virtual resource allocation protocol initiated by the virtual resource requestor after receiving the virtual resource confirmation information; and the virtual resource occupier, the virtual resource requester and the virtual resource provider respectively submit electronic signatures to the virtual resource allocation protocol, and issue the virtual resource allocation protocol and the electronic signatures to a block chain database based on a decentralized system.
10. A supply chain financial financing system, the system comprising:
the second construction module is used for establishing a mapping table of the financial institution and the core enterprise; wherein the mapping table records financial institutions having financing cooperative relationship with the core enterprise;
the fourth acquisition module is used for acquiring a financing request initiated by a supplier based on the receivable information;
the second query module is used for querying the mapping table to determine whether the core enterprise related to the financing request has a financing cooperative relationship with the financial institution;
the second initiating module is used for issuing the financing request to the financial institution after the first query module queries that 'yes';
a fifth obtaining module, configured to obtain financing confirmation information sent by the financial institution to the supplier that has initiated the financing request, where the virtual resource confirmation information includes specific virtual resource allocation content;
a sixth obtaining module, configured to obtain a financing allocation protocol initiated by the provider after receiving the financing confirmation information; and the core enterprise, the supplier and the financial institution respectively sign the electronic signature submitted by the financing distribution agreement and issue the financing distribution agreement and the electronic signature to a block chain database based on a decentralized system.
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| CN111951095B (en) * | 2020-08-11 | 2023-07-25 | 中国工商银行股份有限公司 | Credit service processing method and device |
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| CN101334882A (en) * | 2008-07-22 | 2008-12-31 | 深圳钱袋商务有限公司 | Financial services system and its method |
| CN102024241A (en) * | 2009-09-10 | 2011-04-20 | 东方钢铁电子商务有限公司 | Financing method and financing platform suitable for supply chain |
| CN103413242A (en) * | 2013-07-24 | 2013-11-27 | 通联支付网络服务股份有限公司 | Middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading |
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