CN110599203A - Service transaction traceability and risk control system - Google Patents

Abstract

The invention provides a service transaction traceability and risk control system, which comprises a transaction process compliance system, a transaction main body compliance system and a transaction service item quality control system which are connected with each other. The invention forms a set of complete service transaction mechanism by means of mutual cooperation of all the systems and mutual feedback and calling of information, can trace the source and control the risk of service transaction, effectively ensures the benefits of all parties, really realizes safe and convenient online or offline transaction between transaction main bodies (including enterprises and enterprises, and enterprises and individuals), and fills the blank. The invention really achieves the relative balance among the technology, the management mode, the cost and the risk management and control by combining the management mode and the internet technology, not only realizes the major innovation, but also well accords with the trend of scientific and technological development, therefore, the invention has wide market application prospect and is very suitable for large-scale popularization and application.

Description

Service transaction traceability and risk control system

Technical Field

The invention relates to the technical field of internet, in particular to a service transaction traceability and risk control system.

Background

With the continuous development of internet technology, online service transaction systems (such as Taobao, Jingdong, etc.) have become mature and sophisticated. However, most of the existing online service transaction systems only manage the transaction situation of the commodities, so that the functions are single, and the auditing of transaction subjects is not strict, which results in that the tracing and risk control effects of the service transaction are not obvious. Moreover, the existing online service transaction system cannot realize the transaction management and control between enterprises, and the online realization of transaction service between enterprises is still in a blank stage.

Disclosure of Invention

Aiming at the defects of the prior art, the invention provides a service transaction tracing and risk control system, which comprehensively realizes online and offline transactions of all transaction main bodies, effectively controls and avoids various transaction risks, and provides transaction early warning and guarantee of convenient and quick transactions for all transaction main bodies.

In order to achieve the purpose, the invention adopts the following technical scheme:

a service transaction traceability and risk control system comprises a transaction process compliance system, a transaction main body compliance system and a transaction service item quality control system which are connected with each other;

the transaction process compliance system comprises a transaction price construction system, a transaction contract system, a transaction payment risk control system and a transaction invoice flow compliance system, wherein:

the transaction price construction system is used for inputting the basic cost and profit margin of the product to determine the price of the product;

the transaction contract system is used for storing protocol files signed by a manager with a service buyer, a service provider, a third-party Internet mode provider and a proxy center respectively and protocol files respectively signed by the service buyer and the service provider, the service provider and a subcontracting service provider, the proxy center and a natural person, the service buyer and a comprehensive service provider, and the comprehensive service provider and the proxy center;

the transaction payment risk control system is used for comparing big data according to transaction elements to determine transaction risks and then determining whether to execute payment according to the transaction risks, wherein the transaction elements comprise a transaction chain, a transaction amount, a transaction contract and a transaction main body;

the transaction invoice flow compliance system is used for managing the invoice issuing conditions of the obtained services and the provided services, and is convenient for each transaction main body to monitor the invoice issuing conditions in real time;

the transaction main body compliance system comprises a transaction main body personnel compliance system, a transaction main body asset system and a transaction main body fiscal audit system, wherein:

the transaction subject personnel compliance system is used for confirming whether personnel qualification of each transaction main body is in compliance;

the transaction subject resource and certificate system is used for confirming whether the qualification and the certificate of each transaction main body are in compliance;

the transaction subject finance and tax auditing system is used for confirming whether finance and tax of each transaction main body is in compliance;

the transaction service item quality control system comprises a service item correlation control system, a service item authenticity auditing system and a service item rationality risk control system, wherein:

the service item correlation control system is used for confirming the business correlation of the buyer, the service correlation of the seller, the correlation of business and contract and the correlation of the beneficiary and business;

the service project authenticity auditing system is used for auditing service transaction authenticity, authenticity agreed with a contract, benefit ginseng and authenticity;

a service item rationality risk control system for confirming two-way choice rationality, transaction price rationality, business objectives and behavioral rationality.

Furthermore, the trading process compliance system also comprises a trading bidding management system, wherein the trading bidding management system is used for storing the seal of each trading subject, providing an electronic signature function in an authorized state and carrying out identity verification on the subjects participating in bidding by combining big data.

Still further, the trading process compliance system further comprises a simple trading compliance system, and the simple trading compliance system is used for storing all trading scene data of trades of all trading main bodies on third-party internet mode providers.

Furthermore, the transaction process compliance system further comprises an open transaction compliance system, and the open transaction compliance system is used for storing relevant record data of transactions conducted by all transaction main bodies on line.

Furthermore, the invention also comprises a transaction item execution system which is simultaneously connected with the transaction process compliance system, the transaction main body compliance system and the transaction service item quality control system, wherein the transaction item execution system comprises a service item evidence trace system, a service outsourcing purchase compliance system, a service evaluation management system and a service item financial compliance system.

Compared with the prior art, the invention has the following beneficial effects:

the invention designs four systems of a transaction process compliance system, a transaction main body compliance system, a transaction service item quality control system and a transaction item execution system, and information is fed back and called by depending on the mutual cooperation of the systems, so that a set of complete service transaction mechanism is formed, the service transaction can be traced and risk controlled, the benefits of each party are effectively ensured, the safe and convenient online or offline transaction between transaction main bodies (including enterprises and enterprises, and enterprises and individuals) is really realized, and the blank is filled. The invention really achieves the relative balance among the technology, the management mode, the cost and the risk management and control by combining the management mode and the internet technology, not only realizes the major innovation, but also well accords with the trend of scientific and technological development, therefore, the invention has wide market application prospect and is very suitable for large-scale popularization and application.

Drawings

FIG. 1 is a block diagram of the system of the present invention.

Detailed Description

The present invention will be further described with reference to the following description and examples, which include but are not limited to the following examples.

Examples

The invention provides a service transaction tracing and risk control system, which combines a management mode with an internet technology, realizes online and offline transactions of all transaction main bodies in an all-around way, effectively controls and avoids various transaction risks, and provides transaction early warning and guarantee of convenient and quick transactions for all transaction main bodies. As shown in fig. 1, the system of the present invention is mainly composed of four major parts, namely, a transaction process compliance system, a transaction subject compliance system, a transaction service item quality control system, and a transaction item execution system, which are introduced one by one in combination with actual operation modes.

First, trade process compliance system

Trade price construction system

1. The cost pricing is based on the basic cost of the product and is added with a certain profit to make a sales price. This is the simplest and currently widely used pricing method. Most companies are priced by determining the amount of added profit, in terms of cost, profit margin.

2. Cost method pricing is adopted for service transaction product price construction. The necessary cost of the mode content required to pay and purchase the internet service products is completed, and certain necessary profits are taken as the basis for pricing the service products to the outside.

3. When a service provider substitutes a system management party (hereinafter referred to as a management party) of the system of the invention to serve a product to participate in the bid of a service buyer, the offered price is the basic cost to be paid or purchased for completing the service plus a certain proportion (the service industry is basically about 10%) of service fee as the price reference of products with different specifications.

(II) transaction contract system

1. The service buyer and the management side sign an enterprise information service agreement and store the enterprise information service agreement in a transaction contract system;

2. the service provider and the manager sign a 'member service agreement' and store the agreement in the trade contract system;

3. the service buyer and the service provider sign a service outsourcing agreement and store the agreement in the transaction contract system;

4. the service provider subscribes a service outsourcing service contract and a service authorization entrusting agreement with the service subcontracting provider for service subcontracting service, and stores the service subcontracting service in a transaction contract system;

5. the management party and the third-party Internet mode provider sign an Internet cooperative agreement and store the Internet cooperative agreement in the transaction contract system;

6. contract system under the token mode: the proxy center signs a proxy service agreement with the natural person and stores the service agreement in a trading contract system;

the proxy center signs a proxy management service agreement with the manager and stores the agreement in the trade contract system;

the service buyer and the comprehensive service provider sign a service outsourcing agreement and store the agreement in a transaction contract system;

the comprehensive service provider and the manager sign a 'member service agreement' and store the agreement in a transaction contract system;

the comprehensive service provider and the proxy center sign a comprehensive management service agreement and store the agreement in the trade contract system.

(III) transaction payment risk control system

The transaction payment risk control system is used for comparing big data according to transaction elements to determine transaction risks, and then determining whether to execute payment according to the transaction risks, wherein the transaction elements comprise a transaction chain, a transaction amount, a transaction contract and a transaction main body.

The method specifically comprises the following steps:

the invention can provide bank-enterprise direct connection function, and can use the mode of internet or special line connection to realize the butt joint of the financial system of the enterprise and the comprehensive banking system, so that the enterprise can use the self financial system to automatically complete the functions of inquiry, transfer, fund collection, information downloading and the like of the bank account of the sub (sub) company without specially logging in the internet bank, and automatically register the financial information in the financial system, thereby avoiding the process of twice instruction input of the traditional financial system and the internet bank system, improving the working efficiency and ensuring the consistency of the account information of the financial system and the comprehensive banking system.

The management party adopts a bank-enterprise direct connection transaction payment system, and the functions of counter transaction and online bank transaction are closed to the bank-enterprise direct connection account of the transaction main body. When the fund entering the bank-enterprise direct-connection account of the transaction main body initiates payment and mobilization, the system of the invention compares the transaction elements with artificial intelligent big data, and sends a transaction instruction to the comprehensive transaction system of the bank for payment. The service transaction chain is ensured to be matched and corresponding to the payment items one by one, and meanwhile, the safety of transaction funds is ensured.

(IV) transaction invoice flow compliance system

1. A transaction invoice circulation process: after the service provider executes the completed task, the system of the invention can form a service non-invoicing list (comprising service buyer information, service item target, service amount, service execution time and the like). And the service provider checks the detail of the service invoicing, and applies for invoicing. The service buyer confirms the applied billing information data. The service provider invoices and uploads. The system audits the service transaction and invoice information. And after the verification is passed, the service buyer performs acceptance confirmation.

2. The transaction invoice flow compliance system analyzes and manages the invoicing condition of the obtained service and the provided service. And each transaction main body carries out real-time monitoring and management on invoice issuing conditions. The full-process management of invoice circulation between transaction and invoice and transaction main bodies is realized;

(V) transaction bidding management system

1. After the service buyer and the service provider are online, all the seal identification templates of the enterprise need to be uploaded. The system cooperates with a third party tag unit with legal qualification to finish the use authorization of the seal of each transaction main body. When the bid is released, the function of electronic signature is realized. Ensuring that the transaction parties complete the on-line real and legal bidding process.

2. All real-name authentication of the bid evaluation group members of the service buyer are on-line with the system. The system of the invention audits all participating bidding enterprises to form bid evaluation materials and bid evaluation opinions, and meanwhile, the system of the invention audits the identities of bid evaluation experts and cooperates with third-party data organizations (enterprise investigation, etc.). And ensuring that the bid evaluation expert has no association relation with the bidding enterprise. The sunlight and legal reality of the whole bidding link in the trading system are ensured.

(VI) simple transaction compliance System (result supplier, result import action transaction)

1. The simple transaction compliance system refers to that the two transaction parties execute a specific transaction process on other third-party internet systems cooperated by a manager, and the specific requirement is that a third-party internet system company which receives the business stores the full scene data of the system transaction from the beginning to the end so as to be ready for the manager to take the spot check at any time or the state forcing organ to take the spot check at any time. And simultaneously, the data record of each service is agreed to be transmitted to the management party according to the carrier and the arrangement mode required by the management party.

(VII) open trade compliance system (trade outside system)

1. The open transaction compliance system refers to that both parties of a transaction execute a specific transaction process on line, and requires a client to record the transaction execution process in the form of carriers such as characters, pictures, videos and the like and upload the recorded content to the system. The content of the record should be sufficient to prove the authenticity and reasonableness of the transaction process.

Second, transaction subject compliance system

Transaction subject person compliance system

1. Associative transaction control

(1) Associated transaction definitions

The related transaction refers to the transaction between the company or the subsidiary company and the related party which directly or indirectly possesses the right and interests and has the interest relationship with the company. The related parties include natural persons and legal persons, and mainly refer to the sponsor of the listed company, main stockholders, directors, supervisors, and the company of the family and the stock controlled by the above parties. The related transaction is a very important legal concept in the operation of the company, particularly in the purchasing parallel operation of the company, and relates to a series of problems in the legal environment such as financial supervision, information disclosure, protection of few stockholders' rights and interests and the like.

(2) Correlating characteristics of transactions

Associations between business entities: the associated transaction must occur between business entities with rights and interests relevance and interaction, namely the associated parties;

benefit conflict and benefit transfer: any specific associated transaction between the associated parties or between the associated parties and the equity representatives thereof has an interest conflict and generates the transfer of equity between the associated parties;

potential tendency to be non-compliant: associated transactions are not all fair, but this form of associated transaction implies a potential tendency for unfair results to occur. Once subjective and objective conditions are met, particularly if there is a lack of effective legal regulation, a particular associated transaction tends to slip to the edge of unfairness;

dissimilarity of transaction form to substantial fairness: the biggest characteristic of the associated transaction and the difficulty of legal regulation are that the associated transaction is equal in form and covers substantial inequality; the free position of the principal on the own rights and interests in the form covers the substantial forced damage to the rights and interests of one principal;

(2) association party definition and control

The management party and a third-party credit investigation institution enterprise cooperate (enterprise investigation and the like), big data information collection is carried out on important shareholders, creditors, clients, boards, supervisors and high-level key personnel of each service transaction main body before transaction behaviors occur to generate structured data, and early warning is carried out on existing associated transaction conditions;

when the service buyer and the service provider sign service outsourcing cooperation agreement on line, the agreement makes the commitment of terms and the exclusion of legal responsibility;

and after the approval of the approved associated transaction, writing contract agreements are signed, and a pricing principle and a price level of the associated party transaction are determined. The associated transaction pricing should follow the following principles: industry charging standards > reasonable cost + reasonable profit.

The system of the invention provides industry reasonable fair reference prices for all service items, and carries out systematic big data early warning on the amount of the service target with virtual height of both parties of service transaction.

2. Subject and individual contractual relationship control

(1) The subject and individual relationships are divided into: the contract relationship between the service buyer and the individual, and the contract relationship between the service provider and the individual;

(2) after the system of the invention is on line, the service buyer and the service provider manage departments, posts, responsibilities, contract relations and the like of enterprise employees through the system employee management function, and post responsibility authority distribution is carried out. All employees and the transaction body unit sign labor contracts and upload the labor contracts. And the legal contract relation between each service executor and the service transaction main body is ensured.

3. Business responsibility control

(1) The service transaction main body employee operates and executes tasks according to the assigned role authority, and only preserves the committed account password (the service transaction main body unit signs a free registration agreement with a manager, and the committed clause: 1, the user can only provide real, accurate, timely and complete information and data registration according to the registration requirement, the user who completes the registration procedure through the system registration system and passes the identity authentication becomes a formal user and can obtain the corresponding authority which the system stipulates the user to have, 2, the user is obligated to ensure the safety of the password and the account, and undertakes responsibility for any loss or damage caused by all activities which the user uses the password and the account, and when the member commits, the password or the unauthorized use of the account, or any other safety problems occur, the member notifies the system immediately)

4. Personal qualification and social security relationship control

(1) Personal credit control: after each transaction body unit is online, the system of the invention needs to upload personal credit investigation of key post personnel (legal person representatives and service task executors). The manager can check the on-line personnel through the system and the manpower, and eliminates the serious lost credit personnel from participating in the service transaction on line.

(2) And (4) related control: the management party cooperates with a China executive information public network and the like of a third-party organization, and the personnel with serious legal records participate in service transaction by manual and system butt joint.

(3) Enterprise tax payment records and credit and debt control: and for the main enterprises which are online and participate in the transaction, the tax payment and credit collecting conditions of the enterprises need to be uploaded, and manual examination is carried out. Meanwhile, the management party can also graft the credit information public system data of the enterprise, and carry out system early warning on the transaction subject units with bad tax payment records and serious debt problems. Eliminating service transaction risks caused by qualification problems of transaction bodies.

(4) After the service transaction subject unit is online, the system needs to upload the social security relationship certificate between the enterprise and the staff in staff management. And ensuring that the service executant has a labor relationship of compliance with the main body unit.

5. Commercial bribery containment system

(1) When the service transaction main body signs the service outsourcing agreement on line, the system of the invention can provide a basic contract template for the service transaction main body to sign and simultaneously call, the related terms of the anti-business bribery are added in the template, and the template can not be modified through the system control. The business bribery behavior of the transaction body is constrained by contractual agreements.

(II) transaction subject funding and certification system

1. The transaction subject fund includes: and establishing a standard management system from the aspects of operation range, operation place, enterprise operation qualification, legal representative, enterprise credit investigation, fund storage and the like.

2. The operation scope should be the service class: business information consultation, enterprise management consultation, meeting service, exhibition and display service, etiquette service, marketing plan, public relations activity plan, enterprise image plan, cultural and artistic communication activity plan, market information consultation and investigation, promotion and propaganda service, image and text design, advertisement design, manufacture, agency and release. (the legal subject is approved by the relevant department, and the business can be operated after the approval)

3. And (3) standardizing the operating places: (1) establishing a service enterprise registration address and an actual operation address for system and manual examination; (2) the method comprises the following steps that a person and a system perform early warning on the risk of participating in one-site multiple lighting of a service transaction enterprise; (3) the method comprises the following steps that an actual operation place which accords with operation conditions is provided, and an operation place and an enterprise LOGO photo are manually checked and system documented;

4. enterprise management and qualification: (1) personnel with relevant industry working experience and management level are required to carry out auditing and record; (2) and (3) project management operation management experience: (3) the certificate management and qualification of the enterprise are complete;

5. representative of the legal person: (1) the legal person represents an actual controller or a person participating in operation management; (2) the system monitors role management of personnel entering the enterprise; (3) auditing and filing legal people for credit collection and tax involvement; (4) the legal person is below 60 years old, and the legal representative of the enterprise above 60 years old is verified and documented;

6. and (3) enterprise credit investigation: (1) tax-related risk investigation and filing, and verifying whether tax-related risks such as abnormal tax, tax owed and the like exist; (2) and (4) carrying out credit investigation on the enterprise involved in the case, and forbidding online transaction on the enterprise involving tax cases, economic cases, criminal cases and the like.

7. Fund reserve: (1) the method comprises the steps of collecting transaction flow through a system, and judging whether an enterprise has a bearing service and a fund reserve for bearing tax obligations; (2) the system monitors monthly and quarterly reserved full-amount financial tax funds to ensure normal payment of tax.

(III) transaction subject finance and tax auditing system

1. And (3) financial management specification:

(1) the financial association specification includes: system management standard, fund settlement standard, tax deduction certificate management standard and accounting processing standard;

(2) financial system management standard: all service transaction main body accounting follows the principle of authority generation and control, and can more accurately reflect the actual financial condition and operation performance during a specific accounting period; the original certificate management system is institutionalized and standardized, and the traceability of the original certificate of the transaction is realized; all transaction subject enterprises need to be in a sound accounting basis. Setting an accounting book according to the regulation of a national unified accounting system and the requirement of accounting business, and having an account for the income and expenditure of each service transaction; standardizing and establishing accounting file management to ensure that the original data of each transaction can be traced and restored;

(3) and (4) fund settlement specification: according to the relevant regulations of 'payment settlement method', when a company governs the use of funds, the company must not issue, acquire and transfer bills without real transaction and debt, and collect the funds of banks and other people. Enterprises should establish a strict approval system for fund use, and define the approval mode, authority, procedure, responsibility and related control measures of an approver for fund business.

(4) And (3) tax deduction certificate management specification: according to the relevant regulations of 'enterprise income tax pre-deduction voucher management method' formulated by the State tax administration, the pre-sleep deduction voucher obtained by the enterprise comprises an internal voucher and an external voucher, wherein the internal voucher refers to an original accounting voucher which is self-made by the enterprise and used for cost, expense, loss and other expenditure accounting. The external voucher refers to a voucher obtained from other entities or individuals for proving that a payment is made when an enterprise performs an operation or other items, and includes, but is not limited to, invoices (including paper invoices and electronic invoices), financial bills, tax closing vouchers, collection vouchers, division tickets, and the like.

The pre-tax deduction certificate follows the principles of authenticity, legality and relevance in management. Authenticity means that the economic business reflected by the pre-tax deduction certificate is real, and expenditure actually occurs; legality refers to the form and source of the pre-tax deduction certificate conforming to the relevant regulations of national laws, regulations and the like; relevancy refers to the fact that pre-tax deduction credentials are associated with and justified by the expenses they reflect.

(5) Accounting processing and accounting specification: according to the relevant regulation of the enterprise accounting criteria, the accounting accounts have the following basic principles: authenticity (based on actually occurring economic business), essential emphasis on formal principles, usefulness, consistency (accounting should be consistent before and after the accounting processing method), comparability (accounting should be performed according to the prescribed accounting processing method), timeliness (accounting should be performed in time), clearness (accounting records and accounting reports should be clear), authority occurrence control, proportion (income should be matched with the related cost and expense), actual cost, caution and importance.

2. Internal control Specification

(1) Regulatory requirements

According to the notice of the management method of the enterprise income tax pre-deduction certificate of the State tax administration, the pre-tax deduction certificate follows the principles of authenticity, legality and relevance in the management.

The service enterprise registration information is consistent with the actual registration information, and false registration is not carried out by collecting the identity card information of other purchasing personnel; the service enterprise should have the necessary production and management places and personnel, and the bureau has the ability to complete the service; an accounting account is required, and the account is set according to the requirement of a tax authority and tax payment declaration is completed; the capital flow direction accords with the convention, and the real popularity of capital backflow or quick in-out layer-by-layer turnover hidden is avoided.

(2) Industry requirements

The service buyer and the service provider should follow the rules and requirements of the industry. Such as: the medical service industry has self-discipline rules for the boundary of drug academic popularization, such as RDPAC drug popularization action guidelines. Wherein, the standard of the medical enterprise inviting medical institution professionals to participate in activities is defined definitely, for example, member companies can not provide cash or cash substitute, such as gift certificate, for the medical health professionals; nor must it be provided with gifts for personal purposes such as tickets to sports or entertainment items, electronic products, etc.

The manager strictly closes the industry for the main body of the online participated service transaction, and strictly cuts the industry requirements in the whole process from the contract to the action of each service participant and the like. The role positioning, the responsibility and the obligation of each participant are clear, and what can be done and nothing can be done. And the industry barrier is solved by contract legal agreement and process behavior monitoring.

(3) Enterprise requirements

Internal requirements of the service buyer: the screening requirements of the qualified service providers include, for example, what kind of enterprises are only accepted as enterprises that are established for more than a certain period of time, what kind of enterprises provide services for the qualified service providers, and what kind of services the service providers cannot establish as immediate relatives of their own enterprise employees. The requirement of the internal cost budget of the service buyer, and the service cost accounts for the proportion of the annual sales volume of the service buyer.

Service provider internal requirements: the enterprise operator can clearly know the operation condition of the enterprise. The business personnel can clearly explain the business of the enterprise to ensure that the business really occurs. And setting an accounting account according to the accounting criteria.

3. Business and financial interaction consistency specification

(1) And closed-loop management is realized: and the information of the service is automatically integrated into a financial module of the ERP system, so that service-driven finance is realized. And ensuring the data integrity of the business information and the financial information. And data of each link and each service type are directly extracted from a service system source, the integrity of accounting information is guaranteed, high cooperation of financial services is formed, intermediate processing links are avoided, and the responsibility and authority between the financial services are smoothed.

(2) The service data is accurate: the business information is butt-jointed with the finance, a data report is timely and accurately compiled, the data report is highly integrated with a finance system, and the accuracy of report making is improved.

(3) The business thread is traceable: the financial and business information barriers are broken through, the advantages of transverse integration and longitudinal communication of the system are fully exerted, the business data visualization is realized, and the history tracing is facilitated.

Quality control system for transaction service items

Service item correlation control system

1. Buyer commercial relevance

(1) The service transaction content needs to meet the value proposition that the purchaser can provide to the consumer through their products and services;

(2) the service transaction needs to conform to the buyer market and sales strategy;

(3) all of the on-line buyer service enterprises of the system of the present invention upload and maintain enterprise profiles, branded value materials, and promotional materials for products in the enterprise's infrastructure. When the service provider executes the purchased service, the system associates related brand propaganda materials of enterprises into tasks, and pushes the related brand propaganda materials to each person participating in executing the service task by using an internet data means. The business purpose of purchasing the service by the service buyer is really achieved.

2. Seller service correlation

(1) The service provider should have the capabilities and qualifications needed to engage in relevant industry services;

(2) the operation range and qualification of the service provider main body accord with the transaction service content;

(3) the service provider main body practitioner has the working experience of the relevant service industry;

(4) the system of the invention carries out system record auditing on all service items which can be engaged in by service providers, and the system can carry out intelligent comparison on the participated bidding service items and the recorded executable service items and carry out early warning on the provider system without service capability.

3. Business to contract correlation

(1) The execution of the service transaction takes the service content, the service flow and the service effect which are required to be provided by contract agreement as a service background;

(2) the system of the invention adopts big data and artificial intelligence technology to identify each service transaction by a unique identity code from the beginning of the issue of the bid by the service buyer to the end of the task execution of the service provider. Meanwhile, after the service provider receives the task and issues the task, the system automatically executes the service by utilizing the systematized standard flow according to the task content. Ensuring that contract agreement is related to and really occurs with service business;

4. interest and business relevance

(1) When the service provider executes the service task by using the system of the invention, the specific detail task which needs to be executed to complete the accepted service target project is disassembled and value matched. And then, dispatching the disassembled task and subcontracting other business related personnel to execute the task, online executing corresponding service tasks by real-name authentication of all personnel, and carrying out matching payment on the mark and the value of the executed business by the system. Each person interested in and performing the business has the actual business responsibility of management, planning, execution, supervision, etc.

(II) Authenticity auditing system for service project

1. Service transaction authenticity auditing system

(1) The invention can call the related qualification of the transaction main body, which comprises the following steps: funding material of the transaction subject; all executive personnel, participating personnel and other related data information in the transaction process. Ensuring that the transaction body and personnel can be traced and verified during and after the transaction.

(2) Verification can be carried out according to business logic from the business budget of the annual service project of the service buyer to the whole processes of bidding, bid evaluation, bid winning, signing of service outsourcing contract, execution of the service project, service evaluation, acceptance check, invoicing, settlement and the like; simultaneously, for each comparison service item, the execution action in the execution process, the time node and all the generated related material files formed in the execution process comprise: and marking the material full-flow system of the bidding document, the bid evaluation material, the bid winning notice, the service outsourcing contract, the process result set of the executed task, the information of the service participants, the invoice circulation of both transaction parties, the settlement document, the payment voucher of the money and the like to form an audit material for the reduction and the audit of a supervision department.

(3) And (3) carrying out real-name authentication online execution tasks on all transaction executors and participants: the method comprises the steps of positioning the task execution place in real time, keeping trace on the task execution time, and storing relevant material permanent data such as personal information of task participants, participated projects, completed actions and the like (for example, a questionnaire survey service, namely, questionnaire content, answer content of a person to be surveyed, personal data of the person to be surveyed, the time of issuing the questionnaire, the place time of participating in the survey, the time of finishing the task and other relevant material systems are kept trace on the surveyed object online. Ensuring that each service task actually occurs.

(4) Through the technical means of the system, the trace is left in the whole process, and the trace can be restored and traced. The method really realizes on-site restoration, can carry out logic verification on the service, and can trace to the tail end in a penetrating way. The real participation and real occurrence of the beneficiary of the transaction main body and the execution main body are ensured.

2. Contract for authenticity

(1) Forming project service budgets according to annual project establishment items of service purchasers, starting service project bidding of each area according to budget conditions, and determining bid amount and budget amount;

(2) after the service provider wins the bid, the system automatically forms a service outsourcing contract according to the information of the bid and the medium bid price;

(3) after the supplier issues the service task, the automatic introduction system tool matches the service task to be executed and can not be changed manually. The service items agreed by the contract are ensured to be consistent with the actually executed service.

(4) The transaction system carries out instruction price monitoring on each service target, carries out early warning on the amount of the virtual high service contract, and supervises the compliance and authenticity of the service transaction.

3. Benefiting persons participating in reality

(1) The system performs staff role distribution management on each online service transaction main body, and each staff of the transaction main body bears different operation roles in execution and performs online authentication;

(2) the legal representative and the actual beneficiary are one of the roles of the staff, and the undertaker has certain wage responsibility and can actually participate or control the service execution overall process.

(III) service project rationality risk control system

1. Two-way selection rationality

(1) All service providers will record their service item contents and quotations after going online. Meanwhile, the price of other third-party service mode content supply items which can be purchased by the third-party service mode is required to be signed and recorded. To determine whether it has the ability to participate in the bid and perform the service well and the cost to the service buyer.

(2) The service buyer can search and screen the service providers which preliminarily meet the conditions of the service buyer in the system of the invention and invite the service providers to become the alternative cooperative provider libraries of the service buyer; meanwhile, the service provider can also select clients in the trading hall according to self service conditions and initiate the establishment of cooperation requirements. All the transactions are realized by the complete marketable competition and transaction of bidirectional selection and assessment which are disclosed by enterprises according to the requirements and needs of the enterprises.

2. Transaction price rationality

(1) The system of the invention can investigate the basic cost of all service items, and form a fair price for reference in a trading system by a pricing method of cost plus service fee. Meanwhile, the service transaction with the value higher than 20% of the fair value in the transaction is subjected to system early warning prompt, and the transaction price is controlled within a reasonable range.

3. Business objective, behavior rationality

(1) Before a service buyer utilizes the Internet to promote online, the annual project cost budget result of an enterprise needs to be imported into the system of the invention through multiple channels, corresponding region and promotion project bidding is carried out according to the regional promotion project and budget of the service buyer, the cost execution condition is monitored, and an annual cost execution report is provided for the service buyer. The service buyer can make and adjust the business layout and market strategy according to the report. Meanwhile, in the service execution process, brand information of service purchasers is largely disseminated by means of the Internet, the construction and popularization of a system are promoted, and the association of purchased services with market layout, commercial behaviors and values of the purchased services is really achieved.

Transaction item execution system

Service item evidence tracing system

1. The invention sets the structure of the pyramid-type service tracing system; a complete service traceability system of a service project sets and associates three dimensions according to the 'authenticity, legality and validity' standard in 'enterprise income tax deduction certificate management method' issued by 6.6.2018 by the State tax administration;

2. in the service execution process, each participant carries out time recording at action nodes of a service process, service item execution and the like of the system, and the system specifically shows the time recording in a result set; each node in the business process operates, and according to business execution logic, after the completion or execution is confirmed, the system records that anyone can not perform reverse operation, and the objective recording, the objective existence and the objective display of the dimension of time in the system are ensured;

3. the system is positioned by a mobile phone, the service item which is required to be executed on site is photographed, and a camera with positioning display information is directly started by the system to record the picture of the execution condition on site; meanwhile, participants participating in the execution of the service project also need to start a positioning function; the positioning information of each executor and the participants is unified, the system automatically records, the location information can be accurately recorded, and the location positioning can be compared with the uniqueness and the unification of the relativity through each information;

4. all service projects involve participants (including service buyers, contractors, executives, participants and the like, which are admitted into the system, the system carries out examination on organizations in the forms of enterprises, natural persons and the like and individuals, and the examination of key wind control points such as enterprise data authentication (totaling 14 items), individual credit investigation and associated transactions;

5. the product or result of a service project is intangible and cannot be shown like a show, so the recording and the reverse traceable tracing of the process become the only show form of the result; the invention comprises a service system, an admission audit, an execution standard, a system record, a wind control system and the like; the service starting point is imported from the overall budget data of a service buyer, a service contract relation is established with a service contractor on the system through a complete bidding system and a complete bidding process, a service content provider needs to describe and select the name, the starting and ending time, the participated characters, the purpose description, the corresponding professional specialist diseases of departments and the like related to a service project task, the related problems, the regional information, the task data and the like through a task issuing system during execution of the service content provider, after the service project is issued, the system conducts project audit (service project information, people and service logic relation) one by one, and the service project can be issued after the audit is passed;

6. in the execution process of the service project, the system monitors the task progress, the participation rules and effects of the participants and the like, ensures that the service project can be completed according to the design time, and mainly monitors the illegal operation of the participants; once the service project task is issued, the manual intervention and control cannot be carried out, and the objective execution can be realized; during execution, the system automatically records the entry time and the participation record of the participants, and the task publisher and the service buyer can check the progress of task execution at any time;

7. after the service project is executed, the service buyer can evaluate and grade various technical indexes of the task, and the service contractor can evaluate and grade the efficiency, the service attitude and the like of the task execution; after the evaluation is finished, namely 'receiving confirmation', the service contractor system sends a fee application form, the fee to be invoiced and settled in the current round is confirmed and applied in a list form, and after the buyer of the service provider receives the fee application confirmation form, the fee application confirmation form is fed back to carry out the confirmation actions of the two parties; the service contractor pays various fees and the finance and tax service guarantee money at the moment, the system needs to ensure that the transaction of the client and the client is generated, and needs to have enough fund guarantee corresponding to tax fee expenditure to prevent tax risks caused by the escape problem;

8. after the invoice corresponding to the service item is issued, the invoice is uploaded to a system, and the system verifies the integrity correctness of the basic data of the invoice, the corresponding relation between the invoice and the service item and the like; the invoice is used as an important part of a complete trace system, and the invoice number and the whole evidence chain have unique corresponding relation;

9. the service contractor sends out a system instruction, and the system automatically combines and arranges the evidence chains to form a set of complete result set; the method comprises the steps of showing qualification of contractors and executives, planning a task, combining recorded segments of an execution process, reporting analysis data of each item, information of participators, showing related professional information, reporting and analyzing results, feeding back evaluation results, and sending invoice information; the service buyer can save and print the evidence chain result set document as an invoice verification and cancellation accessory by downloading in the account number of the service buyer.

(II) service outsourcing purchase compliance system

1. The project outsourcing purchase of the service buyer is the starting point of the business process, so the compliance standard and requirement are important; before any service buyer finishes signing on-line 'enterprise information service agreement', the system needs to provide data such as 'business license, legal information, account opening license' and the like, and the system carries out archiving and auditing;

2. the service buyer can import the budget data into the system; the system already carries out five-level division on a task system, namely service classification, function classification, mode transaction product classification, product specification detail classification and subtask detail classification, a service buyer classifies various service functions of budget according to budget data and by combining the task system, a service head-end can refer to the budget data and the service item function classification in bidding to carry out product classification quotation and product classification combination design relative to terminal conditions, the marketing promotion purpose in bidding is achieved, an integral marketing scheme is formed, and bidding is participated; the system can carry out auditing in aspects of basic logic reasonableness of the scheme, comparison and reference of quoted market fair value and the like by the marketing scheme design and quoted combination provided by the service head-up party;

3. the service buyer receives the relevant bidding document, carries out bid evaluation link work in the service buyer according to the system business process and the internal part or the third party, and determines a bid-winning scheme and an enterprise after bid evaluation; contract signing is carried out on systems of both parties, the systems provide contract templates, meanwhile, the systems can redundantly customize agreement of both parties for contract detail terms, and the system can be used after being checked;

4. the system design improves the bill recording system of the enterprise by combining the actual business characteristics of the service contractor; in the actual business development process, various invoices, certificates and the like obtained by a third party can be input into the system by self, corresponding payment records can be obtained, and information perfection and relationship correspondence can be carried out in the system; the cost expenditure, income and the like of the service contractor can be input and recorded in the system by related information and the like, and the related information and the like correspond to each service project task respectively; for the expense settlement of each contract corresponding to the service buyer, the system also designs a port for inputting and recording the certificate information;

5. a payment link, which relates to important information of fund flow direction; the fund flow information enters a settlement system in the system from the payment of the service buyer; when the service head-up party initiates a payment instruction, the settlement system can perform a series of system audit and manual audit such as business process progress comparison, expense payment progress comparison, finance and tax guarantee fund comparison and the like corresponding to payment, and the payment instruction can be completed only after the confirmation of no errors; the counter services of all levels of accounts in the settlement system are closed, and related service operations can only be completed in the settlement system, and all parties cannot manually perform related payment and settlement flow operations and can only complete the related payment and settlement flow operations through a series of settlement flows, audit comparison flows, manual audit flows and the like; in a strict and complete system auditing process, the flow direction of each fund can be ensured to be unique by service comparison, the process operation is finished and confirmed, the integrity of an evidence chain is compared with uniqueness, and tax related guarantee is finished; the service buyer can also see in his system the flow and progress of his funds payment to the settlement system.

(III) service evaluation management system

1. After the service project task is executed, a service execution result is formed, and the service purchaser needs to perform an action of 'confirming receipt' to form the integrity of the whole transaction flow; the 'confirmation of receiving' of the service products cannot be completed by the conventional confirmation of physical aspects such as quantity confirmation, weight confirmation and the like of tangible product goods; the invention designs a set of complete evaluation system aiming at different service project task characteristics, thereby forming tangible evaluation of intangible products and completing 'receiving confirmation' of service purchasers on service project products;

2. the quality evaluation standard is classified according to the service functions of the task system, and different evaluation contents are respectively designed; different service classifications are added mainly for 'popularization service type service evaluation standard, conference type evaluation standard, consultation service type evaluation standard, advertisement type service evaluation standard' and the like, and corresponding evaluation standard design content is added at the same time; the service purchasing party can also add self evaluation standards and items in the detailed rules of the system evaluation standard system according to self requirements and standards;

3. in the evaluation standards corresponding to the service project classification, the evaluation standards are developed from the dimensions of scheme design, professional ability of personnel, qualification setting personnel allocation, execution flow, achievement effect analysis quality, satisfaction degree and the like;

4. after evaluation is carried out in the service purchasing side system, the system can carry out logical proofreading on the evaluation score, remind that the evaluation score exceeds a logical value, and carry out the next process operation after the evaluation score meets the logical relation;

5. the system operation can combine the development actual situation of the service project, collect customer problem feedback, demand suggestion, update and supplement the evaluation standard project, and enable the service purchasing party to objectively embody service timeliness and quality through evaluation.

(IV) service item financial compliance system

1. The quotation of each service project by the service contractor is the key influencing the contract and the settlement amount in the whole service process, whether the quotation is reasonable or not and whether the quotation meets the market fair price standard or not are the key to the overall rationality and the compliance of the service;

2. the system disassembles each service project into each subtask, quotes the single price of each subtask by taking the market fair price as the reference, and is used as the basis of the three-level task quotation, and the system performs check card control in the range of +/-20% when a service contractor adjusts the price; when a service contractor adds a subtask item and a price in the system, the system can check the single price, and when the service contractor carries out a subcontract service, a third-party contract and a quotation are provided, and the system checks basic terms of the contract and the price;

3. the service contractor needs to input corresponding expenditure vouchers and corresponding invoice information into the system for each cost and expense expenditure; meanwhile, the income of the service contractor also needs to be input and retained with income certificate information, and the expenditure certificate corresponding to the service buyer also needs to be input and retained with the system;

4. the system pays great attention to the management of tax-related projects, and a tax declaration report form must be provided from audit materials provided before enterprise residency, and inquiry and audit of personal bad tax records are carried out on natural people; the service contractor can automatically generate corresponding finance and tax guarantee money by the system as long as evaluation and confirmation are carried out when a contract and a business happen, automatically checks whether the balance of an account is enough and automatically freezes, and ensures risk control in tax aspects; when the actual tax payment of enterprises and individuals is finished, corresponding tax payment declaration or tax payment certification needs to be uploaded in the system, and the system is compared and audited.

The invention is based on advanced management concept, applies internet technology and reasonable system design, completely spreads the whole service transaction flow, carries out effective supervision and early warning aiming at each link, well avoids various transaction risks and realizes the purposes of safe, convenient and quick transaction.

The above-mentioned embodiment is only one of the preferred embodiments of the present invention, and should not be used to limit the scope of the present invention, but all the insubstantial modifications or changes made within the spirit and scope of the main design of the present invention, which still solve the technical problems consistent with the present invention, should be included in the scope of the present invention.

Claims (5)

1. A service transaction traceability and risk control system is characterized by comprising a transaction process compliance system, a transaction main body compliance system and a transaction service item quality control system which are connected with each other;

the transaction process compliance system comprises a transaction price construction system, a transaction contract system, a transaction payment risk control system and a transaction invoice flow compliance system, wherein:

the transaction price construction system is used for inputting the basic cost and profit margin of the product to determine the price of the product;

the transaction contract system is used for storing protocol files signed by a manager with a service buyer, a service provider, a third-party Internet mode provider and a proxy center respectively and protocol files respectively signed by the service buyer and the service provider, the service provider and a subcontracting service provider, the proxy center and a natural person, the service buyer and a comprehensive service provider, and the comprehensive service provider and the proxy center;

the transaction payment risk control system is used for comparing big data according to transaction elements to determine transaction risks and then determining whether to execute payment according to the transaction risks, wherein the transaction elements comprise a transaction chain, a transaction amount, a transaction contract and a transaction main body;

the transaction invoice flow compliance system is used for managing the invoice issuing conditions of the obtained services and the provided services, and is convenient for each transaction main body to monitor the invoice issuing conditions in real time;

the transaction main body compliance system comprises a transaction main body personnel compliance system, a transaction main body asset system and a transaction main body fiscal audit system, wherein:

the transaction subject personnel compliance system is used for confirming whether personnel qualification of each transaction main body is in compliance;

the transaction subject resource and certificate system is used for confirming whether the qualification and the certificate of each transaction main body are in compliance;

the transaction subject finance and tax auditing system is used for confirming whether finance and tax of each transaction main body is in compliance;

the transaction service item quality control system comprises a service item correlation control system, a service item authenticity auditing system and a service item rationality risk control system, wherein:

the service item correlation control system is used for confirming the business correlation of the buyer, the service correlation of the seller, the correlation of business and contract and the correlation of the beneficiary and business;

the service project authenticity auditing system is used for auditing service transaction authenticity, authenticity agreed with a contract, benefit ginseng and authenticity;

a service item rationality risk control system for confirming two-way choice rationality, transaction price rationality, business objectives and behavioral rationality.

2. The system as claimed in claim 1, wherein the compliance system further comprises a transaction bidding management system for storing the seal of each transaction subject and providing electronic signature function in authorized status, and performing identity verification of the subject involved in bidding in combination with big data.

3. The system of claim 1, wherein the transaction process compliance system further comprises a tractions compliance system for storing all transaction scenario data of each transaction subject for conducting transactions on third party internet mode providers.

4. The system according to claim 1, wherein the transaction compliance system further comprises an open transaction compliance system for storing data of records related to transactions performed by the transaction subjects online.

5. The service transaction tracing and risk control system according to any one of claims 1 to 4, further comprising a transaction item execution system connected to the transaction process compliance system, the transaction subject compliance system, and the transaction service item quality control system, wherein the transaction item execution system includes a service item evidence trace system, a service outsourcing purchase compliance system, a service evaluation management system, and a service item financial compliance system.