CN110610427A - Financial management system and method based on real supply chain - Google Patents
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Abstract
The invention relates to the field of financial data management, and provides a financial management system and a method based on a real supply chain, a financial management system based on the real supply chain and a financial management method based on the real supply chain, which can complete asset financing only by using a supply chain financing user of a financial management system intelligent terminal provided with a mobile supply chain, and generate a certificate on line for the bottom layer supply chain asset based on real transaction of a buyer and a seller, wherein the certificate is confirmed by the on-line signature of the buyer and the seller; the buyer or the seller uploads the invoice, the buyer and the seller corresponding to the invoice, the invoice amount and the invoice number can be automatically identified through the self-built OCR invoice identification system, and a third-party platform is called according to the invoice number to verify the authenticity of the invoice; the generation of supply chain assets can be initiated by all buyers and sellers, any party initiates the supply chain assets, the other party confirms the supply chain assets, financing contains complete trade information, and payment commitments of the buyers are increased; supply chain asset vouchers are split, transferred, and financed online.
Description
Technical Field
The invention relates to the field of financial data management, in particular to a financial management system and method based on a real supply chain.
Background
Supply chain financing is a financing mode which takes a core enterprise and related upstream and downstream supporting enterprises on a supply chain as a whole and establishes an integral financial solution based on accounts receivable and cash flow control according to the transaction relationship and the industry characteristics of the enterprises in the supply chain. The supply chain financing solves the problems of difficult financing and difficult guarantee of upstream and downstream enterprises, and by getting through the bottleneck of upstream and downstream financing, the supply chain financing cost can be reduced, and the competitiveness of core enterprises and supporting enterprises is improved.
Most of the existing supply chain financing companies adopt virtual electronic signature technology to ensure the authority, so the authenticity of transaction behaviors is to be verified, thereby avoiding unreal transaction behaviors to provide financing loan and further avoiding high-risk malicious financing. However, since the financial institution is not a participant of the transaction, it is often difficult for the financial institution to accurately check the authenticity of the transaction, thereby making it difficult to avoid high risk malicious financing.
In publication No. CN108053321A, an invention patent entitled "a method and apparatus for implementing supply chain financing" is disclosed; a method for realizing supply chain financing is applied to a financing operation platform, and information can be shared by transaction behaviors and all the parties involved in supply chain financing corresponding to the transaction behaviors through the financing operation platform, so that for supply chain financing business requested by financing enterprises for transaction behaviors, financial institutions can verify the authenticity of the transaction behaviors to tax institutions in a consensus mode, request the repurchase guarantee of a pledge to core enterprises and verify the authenticity of the pledge to the institutions capable of verifying the pledge, and the financial institutions can release loan to the financing enterprises under the conditions that the transaction behaviors are determined to be real, the pledge is real and the core enterprises can provide the repurchase guarantee. Therefore, the financial institution can conveniently and easily and accurately check the authenticity of the transaction behavior by mutually verifying the information provided by each party on the financing operation platform, thereby avoiding high-risk malicious financing.
The prior art has the following defects: 1. although the financial institution can verify the authenticity of the transaction behavior to the tax institution in a consensus manner, ask the core enterprise for the repurchase guarantee of the pledge and verify the authenticity of the pledge to the institution which can verify the pledge, the process is time-consuming and can be long, and all verification processes cannot be completed completely through the remote operation of a financing platform, so that the financing inconvenience brought by the right confirmation is caused; 2. the existing financing platform can only initiate the order-opening operation by a buyer, and the seller cannot initiate the order-opening operation, so that the seller cannot find the financing enterprise quickly.
Disclosure of Invention
The invention aims to reduce the time required for verifying the authenticity of supply chain financing and solve the problems that the conventional financing platform can only initiate order-opening operation by a buyer, and a seller can not initiate order-opening operation and is not beneficial to the quick financing of the seller by providing a financial management system and a financial management method based on a real supply chain.
The invention provides a financial management system and a method based on a real supply chain, wherein the financial management system based on the real supply chain comprises the following steps:
the external OCR invoice recognition unit uploads the invoice and automatically recognizes the key information of the invoice through an OCR technology;
the system has the function of regularly reminding according to the condition that a user is supposed to receive or deal with the 'supply chain asset payment settlement list';
the to-do reminding unit is used for reminding the user of the order transferring notification, including the common order transferring notification and the financing order transferring notification;
the order opening unit is used for adding a supply chain financing order for an enterprise user, filling in detailed information or modifying the original supply chain financing asset value;
the transfer unit is used for transferring the transferable supply chain assets to a financial institution or a common enterprise;
the financing unit is used for enterprises to select financing applications for transferring supply chain financing products to financial institutions;
the system comprises a supply chain asset payment and settlement list signing unit, wherein if a supply chain asset payment and settlement list is received, the system informs a user of signing a receipt;
the client management unit is used for adding enterprise information, namely account opening in the system and enterprise related information maintenance;
a quota unit: including billing limits, expired settlement limits, and financing limits.
A financial management system and method based on real supply chain, a financial management method based on real supply chain, only need to use the supply chain financing user who installs the financial management system intelligent terminal of the mobile supply chain to finish the assets financing, including:
s1, generating a certificate on line based on the bottom-layer supply chain assets actually transacted by the buyer and the seller, wherein the certificate is signed and confirmed on line by the buyer and the seller;
s2, the buyer or the seller uploads the invoice, the buyer and the seller corresponding to the invoice, the invoice amount and the invoice number can be automatically identified through the self-established OCR invoice identification system, a third-party platform is called according to the invoice number to verify the authenticity of the invoice, and the authenticity of the underlying asset is ensured;
s3, when generating a supply chain asset voucher, invoice information and trade contract information need to be associated, the generation of the supply chain asset buyer and seller can be initiated, any party initiates the generation, the other party confirms the generation, financing contains complete trade information, and payment commitment of the buyer is increased;
similarly, when the supply chain asset voucher is generated in the industry, the underlying asset is not related, and the supply chain asset voucher can only be initiated by a buyer;
s4, splitting, transferring, and financing supply chain asset vouchers online.
The system transfer and financing support various types of contracts, specifically including (1) first hand of warranty no-chasing standard, (2) second hand of warranty no-chasing standard, and (3) ABS of warranty no-chasing; the three contract text formats corresponding to each financial institution are different, the self-defining contract templates of the financial institutions are supported, the current supply chain financial system on the market only supports one contract template, the template patterns are rigid, the dynamic extension according to the invoices and the contract items cannot be realized, and the financial institutions cannot define the contract forms of the financial institutions.
The financial management system and the method based on the real supply chain have the advantages that: the time required for verifying the authenticity of supply chain financing is shortened, and the problems that the existing financing platform can only initiate billing operation by a buyer, and a seller can not initiate billing operation and is not beneficial to quick financing of the seller are solved. The above operation may increase the operation flow of the user, but it is the intervention of the financial institution that promotes the circulation of the user's business credit and helps the suppliers of various levels upstream of the user to finance at the financial institution.
Drawings
FIG. 1 is an open flow chart of a real supply chain based financial management system and method of the present invention;
FIG. 2 is a flow chart illustrating a real supply chain based financial management system and method of the present invention;
FIG. 3 is a financing flow chart of a real supply chain-based financial management system and method according to the present invention;
FIG. 4 is a flow chart of financing application in a real supply chain based financial management system and method of the present invention.
Detailed Description
The financial management system and method based on real supply chain according to the present invention will be further described with reference to the accompanying drawings and specific embodiments.
As shown in fig. 1, a real supply chain-based financial management system includes:
the external OCR invoice recognition unit uploads the invoice and automatically recognizes the key information of the invoice through an OCR technology; for example, a seller, an invoice number, an invoice amount and the like are bought, and the information is inquired through a third-party mechanism to verify the authenticity of the invoice, so that the invoice is prevented from being counterfeited;
the system has the function of regularly reminding according to the condition that a user is supposed to receive or deal with the 'supply chain asset payment settlement list';
the to-do reminding unit is used for reminding the user of the order transferring notification, including the common order transferring notification and the financing order transferring notification;
the order opening unit is used for adding a supply chain financing order for an enterprise user, filling in detailed information or modifying the original supply chain financing asset value;
the transfer unit is used for transferring the transferable supply chain assets to a financial institution or a common enterprise;
the financing unit is used for enterprises to select financing applications for transferring supply chain financing products to financial institutions;
the system comprises a supply chain asset payment and settlement list signing unit, wherein if a supply chain asset payment and settlement list is received, the system informs a user of signing a receipt;
the client management unit is used for adding enterprise information, namely account opening in the system and enterprise related information maintenance; operations such as adding basic information, adding bank accounts, binding enterprise certificates, adding associated enterprises and the like;
a quota unit: including billing limits, expired settlement limits, and financing limits.
1. Clicking a client management unit in a menu bar, adding an enterprise, and adding the client information of the enterprise.
2. After the enterprise information is successfully stored, the record can be seen in the enterprise list, and a [ binding ] button can be seen in the operation, and the function is to bind the enterprise certificate number. The enterprise certificate number is an enterprise certificate number generated when an enterprise certificate is applied to the cfca Chinese financial authentication center offline.
3. And inputting the enterprise certificate number in the input box, and clicking to determine the binding certificate number.
4. And clicking an additional account opening row in the enterprise list, and adding one or more account opening row records for settling funds as an acquirer.
5. Adding, deleting and saving the account opening row on the pop-up page, and clicking (saving) after the account is modified, so that the data can be really stored.
6. And clicking the associated enterprises in the enterprise list, and adding one or more associated enterprises. An associated enterprise refers to a company with which the enterprise has business traffic.
7. And adding, deleting, storing and closing operations can be performed when the related enterprise management page is entered. After the maintenance of the associated enterprise is completed, the information is required to be clicked and saved.
8. And clicking modification in the enterprise list to modify the enterprise information.
9. And modifying the information of the enterprise, and clicking and storing after the modification is completed. The "delete" button is carefully manipulated and once deleted, data cannot be restored.
10. Clicking on the view in the list of businesses can view the relevant information of the businesses.
As shown in fig. 2, 3 and 4, a real supply chain-based financial management method includes:
s1, generating a certificate on line based on the bottom-layer supply chain assets actually transacted by the buyer and the seller, wherein the certificate is signed and confirmed on line by the buyer and the seller;
s2, the buyer or the seller uploads the invoice, the buyer and the seller corresponding to the invoice, the invoice amount and the invoice number can be automatically identified through the self-established OCR invoice identification system, a third-party platform is called according to the invoice number to verify the authenticity of the invoice, and the authenticity of the underlying asset is ensured;
s3, when generating a supply chain asset voucher, invoice information and trade contract information need to be associated, the generation of the supply chain asset buyer and seller can be initiated, any party initiates the generation, the other party confirms the generation, financing contains complete trade information, and payment commitment of the buyer is increased; similarly, when the supply chain asset voucher is generated in the industry, the underlying asset is not related, and the supply chain asset voucher can only be initiated by a buyer;
s4, splitting, transferring, and financing supply chain asset vouchers online. The system transfer and financing support various types of contracts, specifically including (1) one hand of guarantee no-pursuit standard, (2) one hand of guarantee no-pursuit guarantee and second hand of guarantee, and (3) ABS of guarantee no-pursuit; the three contract text formats corresponding to each financial institution are different, the self-defining contract templates of the financial institutions are supported, the current supply chain financial system on the market only supports one contract template, the template patterns are rigid, the dynamic extension according to the invoices and the contract items cannot be realized, and the financial institutions cannot define the contract forms of the financial institutions.
The financial management system and the method based on the real supply chain have the advantages that: the time required for verifying the authenticity of supply chain financing is shortened, and the problems that the existing financing platform can only initiate billing operation by a buyer, and a seller can not initiate billing operation and is not beneficial to quick financing of the seller are solved. The above operation may increase the operation flow of the user, but it is the intervention of the financial institution that promotes the circulation of the user's business credit and helps the suppliers of various levels upstream of the user to finance at the financial institution.
A real supply chain based financial management system further comprising:
the U shield user identity label is similar to a client certificate USBKey used by a bank user and is used for protecting the safety performance of virtual service handling of the user.
The to-do reminding unit comprises:
general order change notification: the order receiving enterprise transfers the 'supply chain asset payment settlement sheet' held by the order receiving enterprise to other common enterprises, and after the transfer is successful, the original 'supply chain asset payment settlement sheet' is informed of the order transfer information of the buyer enterprise;
and E, financing transfer notification: when the order receiving enterprise needs financing, the supply chain asset payment settlement sheet held by the order receiving enterprise is transferred to a financial institution, after the transfer is successful, the original supply chain asset payment settlement sheet is informed of the financing order transfer information of the buyer enterprise, and the buyer signature confirmation is needed.
A transfer notice (1, a single holder holding a ' gold insurance pay settlement sheet ' with payment due for a user, the ' gold insurance copy ' is split and transferred to an upstream supplier, the system can default to send a ' transfer notice ' to the user, and the system is called as ' common transfer notice ', ' the user only needs to check and does not need to make any confirmation.2, the single holder holding the ' supply chain asset payment settlement sheet ' with payment due for the user, the ' gold insurance copy ' is split and transferred to a financial institution, and the transfer person sends a ' transfer notice ' to the user, and the system is called as ' financing transfer notice ', ' the user needs to check and sign a confirmation ' [ the notice ] at the moment)
The effect is as follows: the above operation may increase the operation flow of the user, but it is the intervention of the financial institution that promotes the circulation of the user's business credit and helps the suppliers of various levels upstream of the user to finance at the financial institution.
The received supply chain asset payment statement is divided into two categories:
one is required to be confirmed by the user based on the [ opening order ] process, and the second is required to be confirmed by the user based on the [ transferring order ] process.
The quota unit includes:
the billing quota means that the money (including a single unit) of the associated enterprise on a certain day, a certain week, a certain month and a certain year on the date of the billing day is in a quota range, and billing is not allowed when the money exceeds the quota;
the term "due settlement limit" means that the amount (including single) of money of a certain day, a certain week, a certain month and a certain year on the date of the order opening due date of the enterprise is in the limit range, and the order is not allowed to be opened when the amount exceeds the limit;
the financing limit means that the amount (including single stroke) of the related enterprise on a certain day, a certain week, a certain month and a certain year of the date of applying financing is within the limit range, and the financing is not allowed to be applied when the amount exceeds the limit.
And the supply chain asset payment settlement list query unit prompts time within a week, and corresponding query is clicked to directly enter a corresponding service handling area to handle services needing to be handled on the same day within a week.
Opening a single flow: firstly, enterprise clients enter [ business handling ] - [ billing ] - [ supply chain asset billing list is checked,
the enterprise client opens an order for the newly added supply chain assets and fills in detailed information or modifies the original newly added supply chain assets,
after being stored, the data is submitted for the signature confirmation of the order opening,
the order receiving enterprise checks the supply chain asset information of the order opening of other enterprises to the enterprise in the to-do reminding unit, the order opening signing, selects the supply chain asset needing to sign, clicks the signing entering details,
judging whether the supply chain assets are approved or not, if not, returning to the first step, and if yes, opening a signing party, and confirming the signature to generate effective supply chain assets; and (6) ending.
A flow of rotation is as follows: firstly, enterprise clients enter [ business handling ] to [ transfer order ] to check a transfer supply chain asset list, newly add a transfer order, select a supply chain asset capable of being transferred, click transfer and fill in detailed information (a receiver is a common enterprise), store the information after completion,
jumping to a supply chain asset transfer list, selecting to transfer the supply chain asset for electronic signature confirmation,
the order receiving enterprise checks the supply chain assets transferred by other enterprises in the (to-do reminding unit) > [ transfer signing ], selects one transfer supply chain asset,
the order receiving enterprise determines whether to sign for the supply chain asset,
the receipt transfer signer, the signature confirmation,
generating effective supply chain assets, and transferring the order to inform the buyer; and (6) ending.
Financing application flow: firstly, the enterprise selects the supply chain assets transferred to the financial institution, fills in information such as financing amount and the like, and submits the information to the financial institution,
the financial institution receives the financing application, fills in the financing rate and the financing rate, confirms the information, submits to the enterprise for checking,
the enterprise checks the interest rate information filled in by the financial institution, confirms and signs,
and generating effective financing, paying off the line and ending.
Financing process: firstly, enterprise clients enter [ business transaction ] - > [ transfer order ] -look up a transfer supply chain asset list, newly add a transfer order, select a supply chain asset capable of being transferred, click transfer and fill in detailed information (a receiver is a financial institution), store the information after completion,
jumping to a supply chain asset transfer list, selecting to transfer the supply chain asset for electronic signature,
the financial institution checks the supply chain assets transferred by the financing enterprise in the to-do reminding unit, the transfer receipt, selects a transfer supply chain asset,
the financial institution judges whether to sign for the supply chain asset, if so, the next step is carried out, if not, the first step of the financing process is returned,
the buyer is notified of the confirmation of the financing transfer,
the buyer judges whether to agree with a financing transfer order, if so, effective supply chain assets are generated, and if not, the first step of the financing process is returned; and (6) ending.
Claims (8)
1. A financial management system and method based on real supply chain is characterized in that the financial management system based on real supply chain comprises:
the external OCR invoice recognition unit uploads the invoice and automatically recognizes the key information of the invoice through an OCR technology;
the system has the advantages that the supply chain asset payment settlement list query unit can perform a regular reminding function according to the condition that the system is supposed to receive or deal with the supply chain asset payment settlement list;
the to-do reminding unit is used for reminding the user of the order transferring notification, including the common order transferring notification and the financing order transferring notification;
the order opening unit is used for adding a supply chain financing order for an enterprise user, filling in detailed information or modifying the original supply chain financing asset value;
the transfer unit is used for transferring the transferable supply chain assets to the recipient or the common enterprise;
the financing unit is used for enterprises to select financing applications for transferring supply chain financing products to financial institutions;
the system comprises a supply chain asset payment and settlement list signing unit, wherein if a supply chain asset payment and settlement list is received, the system informs the user to sign a receipt;
the client management unit is used for adding enterprise information, namely account opening in the system and enterprise related information maintenance;
a quota unit: including billing limits, expired settlement limits, and financing limits.
2. A financial management system and method based on real supply chain is characterized in that a financial management method based on real supply chain comprises the following steps:
s1, generating a certificate on line based on the bottom-layer supply chain assets actually transacted by the buyer and the seller, wherein the certificate is signed and confirmed on line by the buyer and the seller;
s2, the buyer or the seller uploads the invoice, the buyer and the seller corresponding to the invoice, the invoice amount and the invoice number can be automatically identified through the self-established OCR invoice identification system, a third-party platform is called according to the invoice number to verify the authenticity of the invoice, and the authenticity of the underlying asset is ensured;
s3, when generating a supply chain asset voucher, invoice information and trade contract information need to be associated, the generation of the supply chain asset buyer and seller can be initiated, any party initiates the generation, the other party confirms the generation, financing contains complete trade information, and payment commitment of the buyer is increased;
s4, splitting, transferring, and financing supply chain asset vouchers online.
3. The system and method for real supply chain based financial management of claim 1 wherein a real supply chain based financial management system further comprises:
the U shield user identity label is similar to a client certificate USBKey used by a bank user and is used for protecting the safety performance of virtual service handling of the user.
4. The real supply chain-based financial management system and method according to claim 1 or 3, wherein the to-do reminder unit comprises:
general order change notification: the order receiving enterprise transfers the 'supply chain asset payment settlement sheet' held by the order receiving enterprise to other common enterprises, and after the transfer is successful, the original 'supply chain asset payment settlement sheet' is informed of the order transfer information of the buyer enterprise;
and E, financing transfer notification: when the order receiving enterprise needs financing, the supply chain asset payment settlement sheet held by the order receiving enterprise is transferred to a financial institution, after the transfer is successful, the original supply chain asset payment settlement sheet is informed of the financing order transfer information of the buyer enterprise, and the buyer signature confirmation is needed.
5. A real supply chain based financial management system and method as claimed in claim 1 or 3, wherein the received supply chain asset payment statement is divided into two types:
one is based on the [ opening order ] process and requires oneself to confirm the [ opening order signing ], and the second is based on the [ transferring order ] process and requires oneself to confirm the [ transferring order signing ].
6. The system and method for real supply chain-based financial management according to claim 4, wherein the received supply chain asset payment statement is divided into two types:
one is based on the [ opening order ] process and requires oneself to confirm the [ opening order signing ], and the second is based on the [ transferring order ] process and requires oneself to confirm the [ transferring order signing ].
7. The real supply chain based financial management system and method as claimed in claim 1, 3 or 6, wherein the quota unit comprises:
the billing quota means that the money (including a single unit) of the associated enterprise on a certain day, a certain week, a certain month and a certain year on the date of the billing day is in a quota range, and billing is not allowed when the money exceeds the quota;
the term "due settlement limit" means that the amount (including single) of money of a certain day, a certain week, a certain month and a certain year on the date of the order opening due date of the enterprise is in the limit range, and the order is not allowed to be opened when the amount exceeds the limit;
the financing limit means that the amount (including single stroke) of the related enterprise on a certain day, a certain week, a certain month and a certain year of the date of applying financing is within the limit range, and the financing is not allowed to be applied when the amount exceeds the limit.
8. The financial management system and method based on real supply chain as claimed in claim 1, 3 or 6, wherein the supply chain asset payment settlement list inquiry unit reminds time,
and the reminding time interval is within one week, the corresponding query is clicked, and the corresponding service handling area can be directly accessed to handle the service which needs to be handled on the same day within one week.
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| CN201910774150.0A CN110610427A (en) | 2019-08-21 | 2019-08-21 | Financial management system and method based on real supply chain |
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| CN111582959A (en) * | 2020-05-08 | 2020-08-25 | 国网浙江省电力有限公司杭州供电公司 | WBS-based intelligent order processing system |
| CN112102075A (en) * | 2020-11-04 | 2020-12-18 | 南京中科软智信息技术有限公司 | Supply chain finance ecosystem of N + N mode |
| CN117114787A (en) * | 2023-10-23 | 2023-11-24 | 国能(北京)商务网络有限公司 | Supply chain management method, system and terminal based on electronic invoice |
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| CN107767269A (en) * | 2017-10-31 | 2018-03-06 | 人民金服金融信息服务（北京）有限公司 | A kind of management method and platform of the credit transaction based on supply chain finance |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111582959A (en) * | 2020-05-08 | 2020-08-25 | 国网浙江省电力有限公司杭州供电公司 | WBS-based intelligent order processing system |
| CN112102075A (en) * | 2020-11-04 | 2020-12-18 | 南京中科软智信息技术有限公司 | Supply chain finance ecosystem of N + N mode |
| CN117114787A (en) * | 2023-10-23 | 2023-11-24 | 国能(北京)商务网络有限公司 | Supply chain management method, system and terminal based on electronic invoice |
| CN117114787B (en) * | 2023-10-23 | 2024-02-06 | 国能(北京)商务网络有限公司 | Supply chain management method, system and terminal based on electronic invoice |
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Effective date of registration: 20221012 Address after: 4603, Building 1, Jinlitong Financial Center, No. 1100 Xingye Road, Haiwang Community, Xin'an Street, Shenzhen, Guangdong 518133 Applicant after: Shenzhen Hongpeng Digital Supply Chain Management Co.,Ltd. Address before: 1-1 #, No. 82, Huju Road, Yuzhong District, Chongqing 400010 Applicant before: Chongqing Weiqiao financial factoring Co.,Ltd. |
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Application publication date: 20191224 |