CN110245957A - The method for determining trade background authenticity and assessing enterprise trade background authenticity - Google Patents
The method for determining trade background authenticity and assessing enterprise trade background authenticity Download PDFInfo
- Publication number
- CN110245957A CN110245957A CN201811240933.2A CN201811240933A CN110245957A CN 110245957 A CN110245957 A CN 110245957A CN 201811240933 A CN201811240933 A CN 201811240933A CN 110245957 A CN110245957 A CN 110245957A
- Authority
- CN
- China
- Prior art keywords
- invoice
- enterprise
- data
- authenticity
- business
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
- G06Q30/0185—Product, service or business identity fraud
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
Landscapes
- Business, Economics & Management (AREA)
- Development Economics (AREA)
- Accounting & Taxation (AREA)
- Economics (AREA)
- Finance (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A kind of method that the embodiment of the present application provides determining trade background authenticity and assesses enterprise trade background authenticity, wherein the determination method of trade background authenticity includes: to carry out verification to invoice according to the corresponding invoice data of invoice；The corresponding transaction data of invoice is determined according to the corresponding invoice data of invoice, and verification is carried out according to invoice data and transaction data pair historical trading corresponding with invoice；According to the verification result of invoice and the verification of historical trading as a result, determining the authenticity of the corresponding trade background of invoice.By carrying out verification to invoice and carrying out verification to the corresponding transactions history of invoice, it can be using invoice as validation criteria, then the corresponding trade background authenticity of verifying invoice, to using invoice as the trusted standard when verifying of trade background authenticity, since invoice is the exclusive evidence of the tax, reimbursement etc., therefore, the authenticity of trade background can be more accurately determined using invoice as trusted standard.
Description
Technical field
The invention relates to technical field of data processing more particularly to a kind of determining trade background authenticity and assessments
Method, apparatus, storage medium and the electronic equipment of enterprise trade background authenticity.
Background technique
With the development of financing business, how correctly to determine that business risk is the most important thing of financing enterprise development.With
For Supply chain financing, business risk is rooted in the transaction credit risk of both parties, for example, the seller supply it is uncertain and
Probabilistic risk of buyer's refund etc..
Specifically, the reason of risk creation of transaction credit existing external cause also has internal cause.External cause can be for Industry Policy not
Certainty, the flourishing and withering situation uncertainty in market, natural calamity, social credit mechanism missing etc..External cause mostly due to force majeure,
Social concern etc. causes, and is not considered herein.Internal cause can between each side of financing business information asymmetry, buyer or sell
Side manages improperly, inside control system missing, cargo transport is damaged, distribution of interests is unequal.Internal cause can specifically be classified as two major classes, respectively
For trade background authenticity, the credit standing of both parties of both parties.
However in the prior art, there is no it is a kind of can the comprehensively above-mentioned internal cause of comprehensive consideration scheme, causing cannot be quasi-
Business risk really is assessed, and then makes the guarantee of the equity of each side in financing business there are risks.
Summary of the invention
The embodiment of the present application be designed to provide a kind of determining trade background authenticity and assessment enterprise trade background is true
Method, apparatus, storage medium and the electronic equipment of reality, to overcome the part or all of above problem.
According to the one aspect of the embodiment of the present application, a kind of method of determining trade background authenticity is provided, comprising:
Verification is carried out to the invoice according to the invoice corresponding invoice data；
The corresponding transaction data of the invoice is determined according to the corresponding invoice data of the invoice, according to the invoice data
And the transaction data pair historical trading corresponding with the invoice carries out verification；
According to the verification result of the invoice and the verification of the historical trading as a result, determining the corresponding trade of the invoice
The authenticity of easy background.
According to the second aspect of the embodiment of the present application, a kind of side of trade background authenticity for assessing enterprise is provided
Method comprising:
According to method as described above, the authenticity of the corresponding trade background of the invoice of the enterprise is determined；
According to the industrial chain business form of the enterprise, the business association reasonability of the enterprise is determined；
According to the corresponding trade background authenticity of the invoice and the business association reasonability of the enterprise, described in assessment
The trade background authenticity of enterprise.
In terms of according to the third of the embodiment of the present application, a kind of financing business assessment system is provided comprising: trade back
Scape evaluation module, credit appraisal module, wherein
The trade background evaluation module is used to assess the trade background authenticity to financing enterprise according to the collected data,
The credit appraisal module is used to assess the credit data to financing enterprise according to the collected data, to be looked forward to according to described wait finance
The trade background authenticity and credit data of industry determine the risk of financing business.
According to the 4th of the embodiment of the present application the aspect, a kind of device of determining trade background authenticity is provided, is wrapped
It includes:
First program unit, for carrying out verification to the invoice according to the corresponding invoice data of the invoice；
Second program unit, for determining the corresponding number of deals of the invoice according to the corresponding invoice data of the invoice
According to according to the invoice data and the transaction data pair historical trading progress verification corresponding with the invoice；
Third program unit, for according to the verification result of the invoice and the verification of the historical trading as a result, really
Determine the authenticity of the corresponding trade background of the invoice.
According to the 5th of the embodiment of the present application the aspect, a kind of dress of trade background authenticity for assessing enterprise is provided
It sets comprising:
4th program unit, for determining the corresponding trade background of the invoice of the enterprise according to method as described above
Authenticity；
5th program unit determines the enterprise for the industry vertical industry chain business form according to the enterprise
Business association reasonability；
6th program unit, for being closed according to the industry of the corresponding trade background authenticity of the invoice and the enterprise
Joint rationality assesses the trade background authenticity of the enterprise.
According to the 6th of the embodiment of the present application the aspect, a kind of storage medium is provided, being stored thereon with computer can hold
Row instruction, the computer executable instructions execute following steps when being processed by the processor:
Verification is carried out to the invoice according to the invoice corresponding invoice data；
The corresponding transaction data of the invoice is determined according to the corresponding invoice data of the invoice, according to the invoice data
And the transaction data pair historical trading corresponding with the invoice carries out verification；
According to the verification result of the invoice and the verification of the historical trading as a result, determining the corresponding trade of the invoice
The authenticity of easy background.
According to the 7th of the embodiment of the present application the aspect, a kind of storage medium is provided, being stored thereon with computer can hold
Row instruction, the computer executable instructions execute following steps when being processed by the processor:
According to method as described above, the authenticity of the corresponding trade background of the invoice of the enterprise is determined；
According to the industry vertical industry chain business form of the enterprise, the business association reasonability of the enterprise is determined；
According to the corresponding trade background authenticity of the invoice and the business association reasonability of the enterprise, described in assessment
The trade background authenticity of enterprise.
According to the 8th of the embodiment of the present application the aspect, a kind of electronic equipment is provided, comprising:
One or more processors；
Memory, for storing one or more programs；
When one or more of programs are executed by one or more of processors, so that one or more of processing
Device realizes method as described above.
Scheme provided by the embodiments of the present application, by carrying out verification to invoice and being carried out to the corresponding transactions history of invoice
Then verification can verify the corresponding trade background authenticity of invoice, thus using invoice as trade using invoice as validation criteria
The trusted standard when verifying of easy background authenticity, since invoice is the exclusive evidence of the tax, reimbursement etc., made with invoice
The authenticity of trade background can be more accurately determined for trusted standard.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application embodiment can also obtain according to these attached drawings for those of ordinary skill in the art
Obtain other attached drawings.
Fig. 1 is a kind of method flow schematic diagram for determining trade background authenticity that the embodiment of the present application one provides；
Fig. 2 is a kind of method flow schematic diagram of trade background authenticity for assessing enterprise provided by the embodiments of the present application；
Fig. 3 is a kind of determination method flow schematic diagram of business risk of financing provided by the embodiments of the present application；
Fig. 4 is a kind of structural schematic diagram of credit evaluation system of financing provided by the embodiments of the present application；
Fig. 5 is a kind of flow diagram of financing business provided by the embodiments of the present application；
Fig. 6 is a kind of determination apparatus structure schematic diagram of trade background authenticity provided by the embodiments of the present application；
Fig. 7 is a kind of apparatus structure schematic diagram of trade background authenticity for assessing enterprise provided by the embodiments of the present application；
Fig. 8 is the hardware structural diagram for some electronic equipments that the application executes the above method.
Specific embodiment
Presently filed embodiment is described in detail below in conjunction with accompanying drawings and embodiments, how the application is applied whereby
Technological means solves technical problem and reaches the realization process of technical effect to fully understand and implement.
Embodiment one
Fig. 1 is a kind of method flow schematic diagram of determining trade background authenticity provided by the embodiments of the present application comprising:
S11, verification is carried out to the invoice according to the corresponding invoice data of the invoice.
Invoice refers to all entity and individual in purchasing and selling commodities, offer or receives service and be engaged in other business activities
In, the business voucher issued and collected is original foundation and the auditing authority, tax authority's examination of law enforcement of accounting
Important evidence.Having issued invoice indicates that the corresponding business of invoice has occurred and that.
The content of invoice generally comprises: ticket head, invoice number, connection time and purposes, customer name, the account that opens a bank account, quotient
(production) name of an article claims or the item to manage, measurement unit, quantity, unit price, the amount of money and the capital and small letter amount of money, handler, official stamp,
It makes out an invoice date etc..The contents such as the tax category, the tax rate, the amount of tax to be paid should also be had by carrying out VAT invoice used in the unit of value-added tax.
By the information in invoice, such as by the invoice number etc. of invoice, verification is carried out to invoice with can be convenient.
Optionally, step S11 includes: according to any one of the invoice number of the invoice, invoice codes or multinomial
Combination is inquired.Certainly, in existing invoice mostly further include two dimensional code for verifying, can also equally pass through two dimensional code
It is inquired.
On this basis, can also according to any one of analogue's title of the invoice, invoice amount or it is multinomial into
Row nonproductive poll, to guarantee the real reliability of query result.
S12, the corresponding transaction data of the invoice is determined according to the corresponding invoice data of the invoice, according to the invoice
Data and the transaction data pair historical trading corresponding with the invoice carry out verification.
In the present embodiment, the corresponding historical trading of invoice is that the history that the corresponding business of invoice generates during progress is handed over
Easily.According to the transaction data for the historical trading that transaction data, that is, business that invoice determines occurs during progress.
It indicates that the corresponding business of invoice has occurred and that due to having issued invoice, is then generated during the business carries out
Transaction Information has existed (i.e. the corresponding historical trading of invoice certainly exists).It therefore, can be true by invoice in the present embodiment
Determine the corresponding Transaction Information of invoice, then whether verifying invoice is consistent with transaction data, thus to the corresponding historical trading of invoice
Carry out verification.
Optionally, in the present embodiment, step S12 includes:
Corresponding business contract is determined according to the invoice, and the observation time area of business is determined according to the business contract
Between；The transaction data corresponding with the invoice is determined according to the observation time section.
Specifically, in real life, transaction flow is probably as follows:
Both sides sign business contract → Party B and deliver to Party A's down payment → Party A to Party B, and provide packing slip
→ Party B confirmation is received, and is provided receiving note → Party A and provided invoice → Party B to Party A's offer remaining payment for goods to Party B.
The corresponding business of invoice has occurred and that (i.e. the corresponding cargo of invoice has delivered completion) when due to issuing invoice, then
Indicate that the time of invoice issuing may be after the time that historical trading occurs, therefore, when determining transaction data, it is thus necessary to determine that
Then the complete observation time section of this business from start to end determines corresponding transaction data in observation time section,
Transaction data corresponding with invoice is therefrom determined again.
And the time that business contract is signed can indicate the time that business starts, therefore can be by the signing of business contract when
Between Start Date as observation time section, contract performance is completed into time of the invoice issuing of last payment transaction as seeing
The Close Date of time interval is surveyed, then determines the transaction data in observation time section.Then according to the number for including in invoice
According to filtering out transaction data corresponding with invoice from the transaction data in observation time section.
Specifically, due to include in invoice transaction both sides, then can directly be filtered out and invoice by the both sides of transaction
Corresponding transaction data, or the corresponding transaction of invoice is also filtered out by the amount of money, the amount of tax to be paid, the product name detail etc. in invoice
Data.The present embodiment is to this without limiting.
In addition, the transaction data may include the corresponding funds data of the invoice and the hair in the present embodiment
The corresponding cargo data of ticket.
In the present embodiment, funds data is treasury trade data corresponding with invoice, for verifying the corresponding fund of invoice
Stream.In actual use, when two sides trade, there may be direction another party's down payment, then business is completed and received
A/d, then pay remaining payment for goods, then, and treasury trade data when funds data can be the deposit of prepayment.Funds data is specific
It can be bank statement.
In the present embodiment, cargo data is the data such as cargo corresponding with invoice sending, delivery, corresponding for verifying invoice
Logistics.Cargo data is specifically as follows dispatch list, the receiving note etc. uploaded after simultaneously verification by user.
Certainly, funds data and cargo data may be other data, and the present embodiment is to this without limiting.
S13, according to the verification result of the invoice and the verification of the historical trading as a result, determining that the invoice is corresponding
Trade background authenticity.
Specifically, if the verification result of invoice is true, and determine that the authenticity of historical trading is also higher according to verification result,
It can then indicate that the authenticity of the corresponding trade background of invoice is higher.
Specifically, in the present embodiment, when verifying, can only verify an invoice, can also verify simultaneously in the same business
Multiple invoices, multiple corresponding invoices of multiple business can also be verified simultaneously, the present embodiment is to this without limiting.
In addition, can distinguish verification if verifying multiple invoices in the same business simultaneously to multiple invoices, then determine
The corresponding a transaction data of multiple invoices, tests historical trading according to multiple invoices and a corresponding transaction data
Very.
The present embodiment, without limiting, preferably first carries out step S11 to the execution sequence of above-mentioned steps S11 and S12
Verification is carried out to invoice, if invoice verification result is true, then S12 is executed to carry out verification to historical trading.
In the present embodiment, if the invoice is true, the described invoice, corresponding historical trading authenticity is also higher, and described
According to the verification result of the invoice and the verification of the historical trading as a result, determining the true of the corresponding trade background of the invoice
After reality further include: according to the invoice and its corresponding historical trading, generate the corresponding detail report of the invoice.
Specifically, in the present embodiment, due to having used business contract, funds data, logistics data etc. in the above process, then
The intelligent Matching of invoice and business contract, commercial paper (such as dispatch list, receiving note etc.), funds data can be directly carried out,
And corresponding detail report is generated, so that other staff refer to or check.
In the present embodiment, by carrying out verification to invoice and carrying out verification to the corresponding transactions history of invoice, it can incite somebody to action
Then invoice verifies the corresponding trade background authenticity of invoice, so that invoice is true as trade background as validation criteria
The trusted standard when verifying of property, since invoice is the exclusive evidence of the tax, reimbursement etc., using invoice as trusted standard
It can more accurately determine the authenticity of trade background.
Fig. 2 is a kind of method flow schematic diagram of trade background authenticity for assessing enterprise provided by the embodiments of the present application,
As shown in Fig. 2, comprising:
S21, the authenticity for determining the corresponding trade background of the invoice of the enterprise.
The specific method of the corresponding trade background authenticity of invoice is determined as described in above-described embodiment, the present embodiment is herein not
It repeats again.
Specifically, in the present embodiment, after the trade background verification of invoice, verification can also be shown as a result, for example showing
State, the amount of money, the quantity of invoice, the state of invoice can be issue, it is red punching, cancel, deduction etc..When there are red punching and calcellation hairs
When ticket, the invoice for showing corresponding red punching and calcellation can also be associated with.Furthermore it is also possible to show the total amount of all invoices,
Total amount of tax, it is red to rush invoice total, total amount of tax, while showing always the make out an invoice amount of money and the product number of target industry involved in enterprise
Amount etc., target industry herein are pre-set according to needing.
S22, the industry vertical industry chain business form according to the enterprise, determine that the business association of the enterprise is reasonable
Property.
Business association refers to that in economic activity, existing extensive, complicated and close technology passes through between every profession and trade
Ji connection.Business transaction between normal upstream and downstream firms, the business association between industry class belonging to the two is necessarily
Meet logical relation, if the upstream of auto parts and components production firm is steel class producer certainly.It is found up and down such as in business
Gap is larger between trip enterprises ' industry class, and business association between the two does not meet logical relation, and the type of merchandise also matches
It is abnormal, it is a financial institution if upstream is a food manufacturer downstream, then there may be wash sales for business between the two
Risk.
Optionally, step S22 includes:
According to the trade classification code of the enterprise, the industry vertical industry chain business form of the enterprise is determined, with
Determine the business association reasonability of the enterprise.
Specifically, the trade classification code of enterprise can be the industry code of national standard, or each mechanism is voluntarily
The industry code of research and development, the present embodiment, without limiting, as long as it can determine that the clear trade classification of enterprise, there is scientific conjunction to this
It is not overlapping between the classification level and professional museum of reason.
After the trade classification code for determining enterprise, enterprise can be determined by the data in acquisitions such as industrial and commercial bureau, the tax bureaus
Upstream and downstream firms and its corresponding trade classification code, and then determine enterprise the industry vertical industry chain business form.
The industry industrial chain business form of the enterprise practical and the preset industry industrial chain business form can be compared later
Analysis, to determine the business association reasonability of the enterprise according to comparison result, wherein the preset industry industrial chain business form
It can be according to the determination of corresponding industry vertical industry chain logical relation.
In the present embodiment, since trade classification code can be used for the trade classification of clear enterprise and there is point of science
Class level etc., then the preset industry industrial chain business form can be the determination when determining trade classification code, i.e., according to row
The vertical industry chain logical relation of industry determines trade classification code and the preset industry industrial chain business form.
Further, after determining the trade classification code of enterprise, the enterprise directly can be determined according to trade classification code
The preset industry industrial chain business form corresponding to industry.
Specifically, the preset industry industrial chain business form can be contacted according to supply and demand between industry, between industry
One of degree of dependence between the direction and feature, industry of technical matters divided so that it is determined that, this is three types
Industry vertical industry chain logical relation.
According between industry supply and demand connection divided, the industry industrial chain business form can be divided into: forward conjunction and
Backward association.Forward conjunction refers to certain industries because of the front and back of production process, and the product of previous industry department is latter industry portion
The production factors of door, continue up to the product of the last one industry, i.e., until final products in this way.Backward association refers to subsequent
Industry department provides product for leading industry department, the production consumption as leading industry department.
It is divided according to the direction of technical matters between industry and feature, the industry industrial chain business form can be divided into: unidirectional
Association is associated with multinomial circulation.Between unidirectional association refers to a series of industry departments such as A, B, C, D, leading industry department is subsequent rows
Industry department provides product, and for directly consuming when its production, but the product of subsequent industry department does not return again to leading industry department
Production process.Between multidirectional circulation association refers to the industry departments such as A, B, C, D, leading industry department provides for subsequent industry department
Product, the productivity as subsequent industry department directly consume, while the product of subsequent department also returns to relevant leading industry
The production process of department.
It is divided, the industry industrial chain business form can be divided into: being directly linked according to the degree of dependence between industry and is indirect
Association.Direct correlation, which refers to, provides product there is direct between two industry departments, provides the connection of technology.Indirect association
Refer to that direct production technology connection does not occur for two industry departments itself, but just by the intermediary of some other industry department
It is related.
Certainly, the preset industry industrial chain business form can also be other, can be carried out according to actual use scene
Adjustment, the present embodiment is to this without limiting.
S23, according to the business association reasonability of the corresponding trade background authenticity of the invoice and the enterprise, assessment
The trade background authenticity of the enterprise.
It specifically, then can be with when the corresponding trade background authenticity of invoice is higher, business association relationship of enterprise is reasonable
Determine that the trade background authenticity of enterprise is higher.
In the present embodiment, by using invoice as voucher, determining the corresponding trade background authenticity of the invoice of enterprise, and determine
Whether the business association reasonability of enterprise, the trade background that can accurately determine enterprise are true, if there are wash sales etc..
Fig. 3 is a kind of determination method flow schematic diagram of business risk of financing provided by the embodiments of the present application, such as Fig. 3 institute
Show comprising:
S31, the trade background authenticity to financing enterprise, and assessment are assessed according to the method as described in above-described embodiment
The credit data to financing enterprise.
In the present embodiment, refer to the enterprise that fund is needed in financing business to financing enterprise.
Determine method such as above-described embodiment of the trade background authenticity of enterprise, details are not described herein for the present embodiment.
In the present embodiment, pass through the data such as debt-credit, repaying, the fund of analysis enterprise, it can be estimated that the letter to financing enterprise
With.After assessing credit, credit report can be generated as credit data, and show fund provider as reference report.
S32, trade background authenticity and credit data according to financing enterprise, determine the wind of financing business
Danger.
Determine the Ji Kezhun after the trade background authenticity and credit data (such as above-mentioned credit report) of financing enterprise
It really determines the risk of financing business, and then can accurately assess the risk of financing business, provided in reduction financing business as far as possible
The risk that golden provider is spoofed ensures its legitimate rights and interests.
Below by taking financing by accounts receivable business as an example, financing business is illustrated.
Financing by accounts receivable refers to that the accounts receivable of oneself is transferred fund side and applied for the financing of loan with this by enterprise
Business.
The maximum feature of financing by accounts receivable business is to obtain financier (i.e. to financing enterprise) and final refund people (i.e. quilt
Receipt on account enterprise) the two separation, fund side must not be not subject to the risk of the information asymmetry transaction brought by the two separates.
First refund people of general financing by accounts receivable business is by receipt on account enterprise, according to the corresponding quotient of accounts receivable
Business contract is refunded.If situations such as being in arrears with by the failure in operation of receipt on account appearance of enterprise, bankruptcy, bankruptcy, bankruptcy or malice, not
When the situation that can pay the bill in full amount at the appointed time, fund provider will face monetary losses, and effective equity is unable to get guarantee
Situation.If fund provider has recourse, it may also require that and buy back accounts receivable to financing enterprise to reduce loss.
Therefore, in financing by accounts receivable business procedure, to financing enterprise and by credit quality, the strength of receipt on account enterprise
Power is to influence an important factor for whether capable of finally refunding.
In view of this, Fig. 4 is a kind of structural schematic diagram of credit evaluation system of financing provided by the embodiments of the present application, such as scheme
Shown in 4 comprising authorization subsystem, credit evaluation subsystem.
Authorization subsystem includes data grant plug-in unit, is mounted on enterprise side to be assessed, for obtaining the number of enterprise to be assessed
According to authorization.
Fund side's module, for being mounted on fund provider, fund provider proposes credit appraisal demand.
Credit evaluation subsystem includes trade background authentic assessment module, credit physical examination module.
Trade background authentic assessment module is used to assess the trade background authenticity of enterprise, is also used to determine accounts receivable
Corresponding invoice, and determine the corresponding trade background authenticity of invoice.
Trade background authentic assessment module includes invoice trade background authenticity determining module, business voucher and invoice
With module, business association degree analysis module.
Invoice trade background authenticity determining module is for determining the corresponding trade background authenticity of invoice；Business voucher with
Invoice matching module generates detail report for being associated with business voucher and invoice；Business association degree analysis module is for analyzing enterprise
The business association reasonability of industry.
Credit physical examination module is used to carry out credit physical examination to enterprise to be assessed.
Credit physical examination module includes credit scoring module, credit report module.Credit scoring module is used for according to enterprise
Data, growth data, commerce credits data, the credit standing data etc. of honouring an agreement generate credit scoring；Credit report module is used for root
Credit report is generated according to the credit data of enterprise.
In the present embodiment, as shown in figure 4, it can also include that basic database and data acquire library.Basic database
For storing the data for having handled completion, data acquisition library, which is used to store, just collected goes back untreatment data.For example, adopting
The data integrated, if having been subjected to the invoice of verification completion, can be deposited into basic database, if not testing also as invoice
Very, then it can be deposited into data acquisition library.
The data that big data artificial intelligence analysis's platform is used to acquire data in library and basic database analyze,
Cluster, completion etc., the data as Data Mart.The completion of data is for example: when acquisition invoice data, the side's of making out an invoice title of acquisition
Mistake goes out when facilitating subsequent verification at this point it is possible to which tax data according to the pre-stored data etc. carries out completion to the side's of making out an invoice title
It is wrong.
Specifically, in the present embodiment, financing credit evaluation system can also include data grant subsystem, above-mentioned trade
Background authentic assessment module, credit physical examination module belong to credit appraisal subsystem.
Authorization subsystem is connect by data-interface with to financing enterprise, fund provider etc., and enterprise passes through data
Authorization subsystem authorizes the acquisition of data, and financing credit evaluation system is allow to acquire data by data structure.Example
Such as, it is docked with the operation system to financing enterprise, obtains the invoice of enterprise, closes coordinates data, docked with bank, obtain bank pair
Bill etc..Collected data can be put into data acquisition library.
After the completion of data acquisition, trade background authentic assessment module, credit physical examination module in credit appraisal subsystem
Trade background authentic assessment and the both parties' business standing physical examination of enterprise are carried out according to the collected data.
Specifically, in the present embodiment, financing credit evaluation system is designed based on the modularization of big data technology, is based on
The building of micro services architecture design, above-mentioned trade background authentic assessment module, credit physical examination module etc. are commented by credit of financing
The connection of valence system bus the operation such as can independently realize functions of modules, be iterated upgrading, and can be carried out according to practical business any
It is applied in combination, to meet the mission requirements of diversification.
Financing credit evaluation system provided by the embodiments of the present application has comprehensive and complete supply chain finance and answers receipt on account
Money financing credit information acquisition and analytic function, provide normalized service for user, to both can guarantee different type mechanism (example
Such as financial institution, fund raising institution, financing agency mechanism) it realizes and rapidly docks, also it is able to satisfy single institution multiple types financing
The diversification business demand of mode (such as hidden factoring, reversed factoring).
Fig. 5 is a kind of flow diagram of financing business provided by the embodiments of the present application, as shown in figure 5, comprising:
S51, fund provider carry out financing by accounts receivable start-up operation, propose financing by accounts receivable credit appraisal demand.
S52, fund provider, to financing enterprise, by receipt on account enterprise and other are relevant to financing by accounts receivable business
Mechanism (such as bank etc.) logs in.In the deployment of each side's loading system, progress related data parameter initialization etc..
S53, system provide service menu to fund provider, and client can flexibly choose financing credit according to their needs and comment
Part of module in valence system.
User can choose trade background authentic assessment module, credit physical examination module etc., also can choose trade background
Invoice trade background authenticity determining module, business voucher and invoice matching module that authentic assessment module includes, industry are closed
Connection degree analysis module, or also can choose credit scoring module, credit report module etc. that credit physical examination module includes, this reality
Example is applied to this without limiting.
S54, service content is selected according to client, related side signs credit appraisal service contract in system.Contract is to phase
Responsibility-power-benefit, commencement date and deadline, service termination condition of Guan Fang etc. have clearly stipulate that then in the database of contract inputting system.
S55, system initiate data grant request to related side.
Such as to the request for initiating to obtain the corresponding data of accounts receivable to financing enterprise, by receipt on account enterprise.
S56, related side carry out data grant, and agreement system is acquired and uses to its invoice data.
The invoice information that S57, acquisition are issued.
S58, to financing enterprise by the related document entry system such as trade contract, invoice, waybill, and notify each side.Such as
Client carries out movables mortgage financing, then also needs to check state of goods, storage state, then enter cargo relevant information
Account.
S59, the invoice data according to acquisition, in conjunction with other data (such as the statement etc. obtained by bank), root
According to the module selected in step S53, corresponding assessment result is exported, and assessment result is shown.The conjunction that step S54 is signed
Together, assessment result is only showed into licensor, licensor, which refers to having, checks permission Party B, such as fund provider.
Whether S510, fund provider make loans according to assessment result in conjunction with itself air control strategy decision.As determined not put
Money, then contract engagement items affairs are completed, and execute step S511.As determined to make loans, then in confirmation pledge of obligation/transfer situation
Later, contract engagement affairs are finished, and execute step S511.
S511, each related side's business are completed, and contract engagement credit services terminate, system record traffic completion status.
S512, whole processes terminate.
Fig. 6 is a kind of apparatus structure schematic diagram of determining trade background authenticity provided by the embodiments of the present application, such as Fig. 6 institute
Show comprising:
First program unit 601, for carrying out verification to the invoice according to the corresponding invoice data of the invoice；
Second program unit 602, for determining the corresponding transaction of the invoice according to the corresponding invoice data of the invoice
Data carry out verification according to the invoice data and the transaction data pair historical trading corresponding with the invoice；
Third program unit 603, for according to the verification result of the invoice and the verification of the historical trading as a result,
Determine the authenticity of the corresponding trade background of the invoice.
Fig. 7 is a kind of apparatus structure schematic diagram of trade background authenticity for assessing enterprise provided by the embodiments of the present application,
As shown in fig. 7, comprising:
4th program unit 701, for determining that the invoice of the enterprise is corresponding according to the method as shown in Figure 1
Trade background authenticity；
5th program unit 702 determines the enterprise for the industry vertical industry chain business form according to the enterprise
The business association reasonability of industry；
6th program unit 703, for the row according to the corresponding trade background authenticity of the invoice and the enterprise
Industry is associated with reasonability, assesses the trade background authenticity of the enterprise.
Another embodiment of the application also provides a kind of storage medium, is stored thereon with computer executable instructions, the meter
Calculation machine executable instruction executes following steps when being processed by the processor:
Verification is carried out to the invoice according to the invoice corresponding invoice data；
The corresponding transaction data of the invoice is determined according to the corresponding invoice data of the invoice, according to the invoice data
And the transaction data pair historical trading corresponding with the invoice carries out verification；
According to the verification result of the invoice and the verification of the historical trading as a result, determining the corresponding trade of the invoice
The authenticity of easy background.
Another embodiment of the application also provides a kind of storage medium, is stored thereon with computer executable instructions, the meter
Calculation machine executable instruction executes following steps when being processed by the processor:
According to the method as shown in Figure 1, the authenticity of the corresponding trade background of the invoice of the enterprise is determined；
According to the industry vertical industry chain business form of the enterprise, the business association reasonability of the enterprise is determined；
According to the corresponding trade background authenticity of the invoice and the business association reasonability of the enterprise, described in assessment
The trade background authenticity of enterprise.
Another embodiment of the application also provides a kind of electronic equipment, comprising: one or more processors；Memory is used for
Store one or more programs；When one or more of programs are executed by one or more of processors, so that described one
A or multiple processors realize method as described above.
Fig. 8 is the hardware structural diagram for some electronic equipments that the application executes the above method.According to Fig.8, should
Equipment includes:
One or more processors 81 and memory 82, in Fig. 8 by taking a processor 81 as an example.
The equipment for executing the above method can also include: input unit 83 and output device 84.
Processor 81, memory 82, input unit 83 and output device 84 can be connected by bus or other modes,
In Fig. 8 for being connected by bus.
Memory 82 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey
Sequence, non-volatile computer executable program and module, as the corresponding program instruction of the above method in the embodiment of the present application/
Module.Non-volatile software program, instruction and the module that processor 81 is stored in memory 82 by operation, thereby executing
The various function application and data processing of server, the i.e. above method in realization above method embodiment.
Memory 82 may include storing program area and storage data area, wherein storing program area can storage program area,
Application program required at least one function；Storage data area can store the data etc. created when calculating.In addition, memory
82 may include high-speed random access memory 82, can also include nonvolatile memory 82, and a for example, at least disk is deposited
Reservoir 82, flush memory device or other non-volatile solid state memories 82.In some embodiments, the optional packet of memory 82
The memory 82 remotely located relative to processor 81 is included, these remote memories 82 can pass through network connection to client.
The example of above-mentioned network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
Input unit 83 can receive the number or character information of input, and generate the user setting and function with client
It can control related key signals input.Input unit 83 may include by equipment such as pressing mold groups.
One or more of modules are stored in the memory 82, when by one or more of processors 81
When execution, the above method in above-mentioned any means embodiment is executed.
Method provided by the embodiment of the present application can be performed in the said goods, has the corresponding functional module of execution method and has
Beneficial effect.The not technical detail of detailed description in the present embodiment, reference can be made to method provided by the embodiment of the present application.
The electronic equipment of the embodiment of the present application exists in a variety of forms, including but not limited to:
(1) mobile communication equipment: the characteristics of this kind of equipment is that have mobile communication function, and to provide speech, data
Communication is main target.This Terminal Type includes: smart phone (such as iPhone), multimedia handset, functional mobile phone and low
Hold mobile phone etc..
(2) super mobile personal computer equipment: this kind of equipment belongs to the scope of personal computer, there is calculating and processing function
Can, generally also have mobile Internet access characteristic.This Terminal Type includes: PDA, MID and UMPC equipment etc., such as iPad.
(3) portable entertainment device: this kind of equipment can show and play multimedia content.Such equipment include: audio,
Video player (such as iPod), handheld device, e-book and intelligent toy and portable car-mounted navigation equipment.
(4) server: the equipment of the service of calculating is provided, the composition of server includes processor 71, hard disk, memory, system
Bus etc., server is similar with general computer architecture, but due to needing to provide highly reliable service, in processing energy
Power, stability, reliability, safety, scalability, manageability etc. are more demanding.
(5) other electronic devices with data interaction function.
The apparatus embodiments described above are merely exemplary, wherein described, module can as illustrated by the separation member
It is physically separated with being or may not be, the component shown as module may or may not be physics mould
Block, it can it is in one place, or may be distributed on multiple network modules.It can be selected according to the actual needs
In some or all of the modules achieve the purpose of the solution of this embodiment.Those of ordinary skill in the art are not paying creativeness
Labour in the case where, it can understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, on
Stating technical solution, substantially the part that contributes to existing technology can be embodied in the form of software products in other words, should
Computer software product may be stored in a computer readable storage medium, the computer readable recording medium include for
Any mechanism of the readable form storage of computer (such as computer) or transmission information.For example, machine readable media includes only
Read memory (ROM), random access memory (RAM), magnetic disk storage medium, optical storage media, flash medium, electricity, light,
Sound or the transmitting signal (for example, carrier wave, infrared signal, digital signal etc.) of other forms etc., which includes
Some instructions are used so that a computer equipment (can be personal computer, server or the network equipment etc.) executes respectively
Method described in certain parts of a embodiment or embodiment.
It will be understood by those skilled in the art that the embodiments of the present application may be provided as method, apparatus (equipment) or
Computer program product.Therefore, the embodiment of the present application can be used complete hardware embodiment, complete software embodiment or combine soft
The form of the embodiment of part and hardware aspect.Moreover, it wherein includes to calculate that the embodiment of the present application, which can be used in one or more,
Computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, the optical memory of machine usable program code
Deng) on the form of computer program product implemented.
The embodiment of the present application is referring to the method, apparatus (equipment) and computer program product according to the embodiment of the present application
Flowchart and/or the block diagram describes.It should be understood that can be realized by computer program instructions every in flowchart and/or the block diagram
The combination of process and/or box in one process and/or box and flowchart and/or the block diagram.It can provide these computers
Processor of the program instruction to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
To generate a machine, so that generating use by the instruction that computer or the processor of other programmable data processing devices execute
In the dress for realizing the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram
It sets.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Finally, it should be noted that above embodiments are only to illustrate the technical solution of the embodiment of the present application, rather than it is limited
System；Although the application is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: its
It is still possible to modify the technical solutions described in the foregoing embodiments, or part of technical characteristic is equal
Replacement；And these are modified or replaceed, each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution
Spirit and scope.
Claims (17)
1. a kind of method of determining trade background authenticity characterized by comprising
Verification is carried out to the invoice according to the invoice corresponding invoice data；
Determine the corresponding transaction data of the invoice according to the corresponding invoice data of the invoice, according to the invoice data and
The transaction data pair historical trading corresponding with the invoice carries out verification；
According to the verification result of the invoice and the verification of the historical trading as a result, determining the corresponding trade back of the invoice
The authenticity of scape.
2. the method according to claim 1, wherein it is described according to the corresponding invoice data of the invoice to described
Invoice carries out verification
It is inquired according to any one of the invoice number of the invoice, invoice codes or multinomial combination.
3. according to the method described in claim 2, it is characterized in that, it is described according to the corresponding invoice data of the invoice to described
Invoice carries out verification further include: according to any one of analogue's title of the invoice, invoice amount or multinomial assists
Inquiry.
4. the method according to claim 1, wherein described determine institute according to the corresponding invoice data of the invoice
Stating the corresponding transaction data of invoice includes:
Corresponding business contract is determined according to the invoice, and observation time section is determined according to the business contract；
The transaction data corresponding with the invoice is determined according to the observation time section.
5. according to the method described in claim 4, it is characterized in that, the transaction data includes: the corresponding fund of the invoice
Data and the corresponding cargo data of the invoice.
6. the method according to claim 1, wherein if the invoice is true, the described invoice, corresponding history is handed over
Easily also be it is true, then it is described according to the verification result of the invoice and the verification of the historical trading as a result, determining the invoice
After the authenticity of corresponding trade background further include:
According to the invoice and its corresponding historical trading, the corresponding detail report of the invoice is generated.
7. a kind of method for the trade background authenticity for assessing enterprise characterized by comprising
According to as the method according to claim 1 to 6, the true of the corresponding trade background of the invoice of the enterprise is determined
Property；
According to the industry vertical industry chain business form of the enterprise, the business association reasonability of the enterprise is determined；
According to the corresponding trade background authenticity of the invoice and the business association reasonability of the enterprise, the enterprise is assessed
Trade background authenticity.
8. the method according to the description of claim 7 is characterized in that the industry vertical industry chain industry according to the enterprise
Business form, determines that the business association reasonability of the enterprise includes:
According to the trade classification code of the enterprise, the industry vertical industry chain business form of the enterprise is determined, with determination
The business association reasonability of the enterprise.
9. the method according to the description of claim 7 is characterized in that the industry vertical industry chain industry according to the enterprise
Business form, determines that the business association reasonability of the enterprise includes:
The industry industrial chain business form of the enterprise practical and the preset industry industrial chain business form are compared and analyzed,
To determine the business association reasonability of the enterprise according to comparison result.
10. according to the method described in claim 9, it is characterized in that, the preset industry industrial chain business form is according to row
One of degree of dependence between industry between supply and demand connection, industry between the direction and feature, industry of technical matters is drawn
Point.
11. according to the described in any item methods of claim 7-10, which is characterized in that further include: assessment is described to financing enterprise
Credit data, to determine the wind of financing business according to the trade background authenticity and credit data to financing enterprise
Danger.
12. a kind of financing business assessment system characterized by comprising trade background evaluation module, credit appraisal module,
In,
The trade background evaluation module is used to assess the trade background authenticity to financing enterprise according to the collected data, described
Credit appraisal module is used to assess the credit data to financing enterprise according to the collected data, described to financing enterprise with basis
Trade background authenticity and credit data determine the risk of financing business.
13. a kind of device of determining trade background authenticity characterized by comprising
First program unit, for carrying out verification to the invoice according to the corresponding invoice data of the invoice；
Second program unit, for determining the corresponding transaction data of the invoice, root according to the corresponding invoice data of the invoice
Verification is carried out according to the invoice data and the transaction data pair historical trading corresponding with the invoice；
Third program unit, for according to the verification result of the invoice and the verification of the historical trading as a result, determine institute
State the authenticity of the corresponding trade background of invoice.
14. a kind of device for the trade background authenticity for assessing enterprise characterized by comprising
4th program unit, for determining that the invoice of the enterprise is corresponding according to as the method according to claim 1 to 6
Trade background authenticity；
5th program unit determines the row of the enterprise for the industry vertical industry chain business form according to the enterprise
Industry is associated with reasonability；
6th program unit, for being closed according to the business association of the corresponding trade background authenticity of the invoice and the enterprise
Rationality assesses the trade background authenticity of the enterprise.
15. a kind of storage medium, which is characterized in that be stored thereon with computer executable instructions, the computer is executable to be referred to
Order executes following steps when being processed by the processor:
Verification is carried out to the invoice according to the invoice corresponding invoice data；
Determine the corresponding transaction data of the invoice according to the corresponding invoice data of the invoice, according to the invoice data and
The transaction data pair historical trading corresponding with the invoice carries out verification；
According to the verification result of the invoice and the verification of the historical trading as a result, determining the corresponding trade back of the invoice
The authenticity of scape.
16. a kind of storage medium, which is characterized in that be stored thereon with computer executable instructions, the computer is executable to be referred to
Order executes following steps when being processed by the processor:
According to as the method according to claim 1 to 6, the true of the corresponding trade background of the invoice of the enterprise is determined
Property；
According to the industry vertical industry chain business form of the enterprise, the business association reasonability of the enterprise is determined；
According to the corresponding trade background authenticity of the invoice and the business association reasonability of the enterprise, the enterprise is assessed
Trade background authenticity.
17. a kind of electronic equipment, comprising:
One or more processors；
Memory, for storing one or more programs；
It is characterized in that, executed by one or more of processors when one or more of programs so that it is one or
Multiple processors realize the method as described in any in claim 1-11.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811240933.2A CN110245957A (en) | 2018-10-24 | 2018-10-24 | The method for determining trade background authenticity and assessing enterprise trade background authenticity |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811240933.2A CN110245957A (en) | 2018-10-24 | 2018-10-24 | The method for determining trade background authenticity and assessing enterprise trade background authenticity |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110245957A true CN110245957A (en) | 2019-09-17 |
Family
ID=67882877
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811240933.2A Pending CN110245957A (en) | 2018-10-24 | 2018-10-24 | The method for determining trade background authenticity and assessing enterprise trade background authenticity |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110245957A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112215699A (en) * | 2020-10-12 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Credit assessment method and device |
| CN113159796A (en) * | 2021-03-12 | 2021-07-23 | 国网英大国际控股集团有限公司 | Trade contract verification method and device |
| CN113781130A (en) * | 2021-09-06 | 2021-12-10 | 青岛微智慧信息有限公司 | Supervision method and device for solving problem of false invoicing of flexible employment platform |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002063355A (en) * | 2000-08-18 | 2002-02-28 | Chansu Faamu:Kk | Financing support service including credit guarantee function |
| CN101692276A (en) * | 2009-09-14 | 2010-04-07 | 中质协质量保证中心福州审核中心 | Enterprise market information collection, classification and release system |
| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
| CN104598587A (en) * | 2015-01-19 | 2015-05-06 | 深圳市华成峰数据技术有限公司 | Invoice authenticity inquiry method and system |
| CN107886310A (en) * | 2017-12-18 | 2018-04-06 | 浙江物融通科技有限责任公司 | The method and system that the data correlation and transaction scene of a kind of capital construction industrial chain reappear |
-
2018
- 2018-10-24 CN CN201811240933.2A patent/CN110245957A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002063355A (en) * | 2000-08-18 | 2002-02-28 | Chansu Faamu:Kk | Financing support service including credit guarantee function |
| CN101692276A (en) * | 2009-09-14 | 2010-04-07 | 中质协质量保证中心福州审核中心 | Enterprise market information collection, classification and release system |
| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
| CN104598587A (en) * | 2015-01-19 | 2015-05-06 | 深圳市华成峰数据技术有限公司 | Invoice authenticity inquiry method and system |
| CN107886310A (en) * | 2017-12-18 | 2018-04-06 | 浙江物融通科技有限责任公司 | The method and system that the data correlation and transaction scene of a kind of capital construction industrial chain reappear |
Non-Patent Citations (1)
| Title |
|---|
| 王刚等: "加强国际贸易融资风险管控", 《金融时报》 * |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112215699A (en) * | 2020-10-12 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Credit assessment method and device |
| CN113159796A (en) * | 2021-03-12 | 2021-07-23 | 国网英大国际控股集团有限公司 | Trade contract verification method and device |
| CN113781130A (en) * | 2021-09-06 | 2021-12-10 | 青岛微智慧信息有限公司 | Supervision method and device for solving problem of false invoicing of flexible employment platform |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110147993B (en) | Pre-payment financing method and device | |
| US11580532B1 (en) | Systems, methods, and program products for a digital math-based asset exchange | |
| Hofmann et al. | Supply chain finance and blockchain technology: the case of reverse securitisation | |
| KR101791470B1 (en) | Method of transaction for supplier's account receivable | |
| CN101842796A (en) | Payment handling | |
| JP2010509699A (en) | Payment processing system debt conversion notice | |
| TW200832256A (en) | A method and system for managing purchase transactions between a customer and a merchant | |
| CN111161045B (en) | Method and storage medium for exporting seller credit based on blockchain | |
| CN110245957A (en) | The method for determining trade background authenticity and assessing enterprise trade background authenticity | |
| CN112435129A (en) | Financing method, financing system, device, equipment and storage medium | |
| CN107180345A (en) | A kind of method of commerce paid under online trading line | |
| CN106339933A (en) | Accounting document generating method and accounting document generating system | |
| CN109214892A (en) | A kind of e-commerce platform management system | |
| JP2019185370A (en) | Electronic currency management system | |
| Sehra et al. | On cryptocurrencies, digital assets and private money | |
| JP2018014106A (en) | Identification of transaction amounts for association with transaction records | |
| CN108711102A (en) | Loan method and system, equipment and storage medium | |
| CN117422576B (en) | Business and finance integrated management system and method for commodity sales based on cloud computing | |
| CN113159919A (en) | Merchant alliance platform with bank customers as members | |
| CN116362903A (en) | Funds collaborative management system, method, electronic equipment and storage medium | |
| CN112116447A (en) | Supply chain financial financing service system of Rong E communication international logistics settlement platform | |
| CN113989040A (en) | Asset securitization management method and device | |
| CN111161058A (en) | Online transaction method, system and storage medium based on consumption commitment | |
| CN114862110A (en) | Method and device for building middle platform of commercial banking business, electronic equipment and storage medium | |
| WO2024119789A1 (en) | Fund releasing method and apparatus, and computer device and readable storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190917 |
|
| RJ01 | Rejection of invention patent application after publication |