CN110689350A - Electronic platform supply chain financial circulation method, system, terminal device and medium - Google Patents
Electronic platform supply chain financial circulation method, system, terminal device and medium Download PDFInfo
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- CN110689350A CN110689350A CN201910951777.9A CN201910951777A CN110689350A CN 110689350 A CN110689350 A CN 110689350A CN 201910951777 A CN201910951777 A CN 201910951777A CN 110689350 A CN110689350 A CN 110689350A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention discloses a financial circulation method, a system, terminal equipment and a computer readable storage medium of a supply chain of an electronic platform, wherein a credit digital certificate is opened on the electronic platform based on the own credit data of a buyer of the supply chain; the credit digital voucher stream is transferred to a seller upstream in the supply chain and corresponding operations are performed on the digital voucher based on processing by the seller. The invention realizes that the credit digital voucher generated by combining the credit data is used on the electronic platform to replace the entity cash and the bank deposit for financial circulation, thereby reducing the occupied usage amount of the bank deposit and the entity cash, saving multiple financial settlement delivery procedures on a supply chain, improving the overall efficiency of financial transaction and greatly promoting the activity of economic activities.
Description
Technical Field
The invention relates to the technical field of Fintech (financial technology), in particular to a financial circulation method, a financial circulation system, terminal equipment and a computer-readable storage medium of an electronic platform supply chain.
Background
With the activity of commercial activities and the coexistence of diverse settlement and payment means, people, when buying and selling money in transactions, transaction payment is carried out by adopting physical exchange or physical debt, and transaction payment is carried out by adopting bills (commercial acceptance, bank acceptance and check) payment and bank transfer and the like, but these approaches are mainly implemented by the buyer and seller of the transaction through face-to-face account delivery, or the transaction parties can deliver the bank deposits in real time through respective banking systems to realize the delivery of the accounts, the delivery of the transaction account is completed separately on line, so that the delivery and the receiving of the transaction account are not convenient, the multi-link financial circulation delivery on a transaction supply chain is not easy to realize, the overall efficiency of the transaction is low, a large amount of entity cash and bank deposit can be occupied in real time, and the development of economic activities is not facilitated.
Disclosure of Invention
The invention mainly aims to provide a financial circulation method, a financial circulation device, a terminal device and a computer readable storage medium for a supply chain of an electronic platform, and aims to solve the technical problems that the existing transaction financial circulation mode causes low overall transaction efficiency and is not beneficial to economic activity development.
In order to achieve the above object, the present invention provides an electronic platform supply chain financial circulation method, including:
issuing a credit number voucher based on the supply chain buyer's own credit data on the electronic platform;
the credit digital voucher stream is transferred to a seller upstream in the supply chain and corresponding operations are performed on the digital voucher based on processing by the seller.
Further, before the step of issuing a credit number voucher based on the supply chain buyer's own credit data on the electronic platform, the method further comprises the steps of:
recording transaction content of transactions conducted by the buyer and the seller of the supply chain on the electronic platform.
Further, the step of issuing a credit digital voucher based on the supply chain buyer's own credit data on the electronic platform comprises:
generating debt of accounts payable of the buyer and the debt of accounts receivable of the seller according to the transaction content;
issuing a credit digital voucher representing the claim of debt for the seller on the electronic platform in conjunction with the owned credit data and the debt.
Further, the step of issuing a credit digital certificate based on the own credit of the supply chain buyer on the electronic platform further comprises:
generating debt of accounts payable of the buyer and the debt of accounts receivable of the seller according to the transaction content;
and issuing a credit digital certificate representing the creditor right for the seller on the electronic platform according to the self credit data, the debt and the guarantee amount paid by the financial institution for the buyer.
Further, before the step of forwarding the digital certificate stream to a seller upstream in the supply chain, the method further comprises:
calling a security technology on the electronic platform to encrypt the opened credit digital certificate;
the step of transferring the digital voucher stream to a seller upstream in the supply chain comprises:
identifying the credit level to which the own credit data belongs, and detecting the liquidity of the financial circulation corresponding to the credit level;
and according to the circulation, the credit digital certificate is circulated to the seller who transacts with the buyer in the supply chain.
Further, the seller performs a corresponding operation on the digital voucher, including:
detecting whether the seller rejects the credit digital certificate, and if the seller rejects the credit digital certificate, returning the credit digital certificate to the buyer according to an original transmission link;
if the seller does not reject the credit digital certificate and holds the collection of money, clearing the credit digital certificate at a preset fixed time;
if the seller does not reject the credit digital voucher and continues the flow, the flow is diverted to an upstream vendor of the seller on the electronic platform.
Further, the step of clearing the credit digital voucher at a preset fixed time includes:
detecting the credit digital certificates held by each node on the electronic platform at the preset fixed time;
and uniformly clearing the credit digital certificates held by the nodes by a preset clearing center.
In addition, to achieve the above object, the present invention further provides an electronic platform supply chain financial circulation system, including:
the voucher issuing module is used for issuing a credit digital voucher based on the own credit data of the supply chain buyer on the electronic platform;
and the financial circulation module is used for circulating the credit digital certificate to a seller upstream in the supply chain and executing corresponding operation on the digital certificate based on the processing of the seller.
The present invention also provides a terminal device, including: a memory, a processor, and an electronic platform supply chain financial circulation program stored on the memory and executable on the processor, the electronic platform supply chain financial circulation program when executed by the processor implementing the steps of the electronic platform supply chain financial circulation method as in the above.
The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores thereon a computer program, which when executed by a processor implements the steps of the electronic platform supply chain financial circulation method as described above.
The invention provides an electronic platform supply chain financial circulation method, a system, terminal equipment and a computer readable storage medium, wherein credit digital certificates are opened on the electronic platform based on the own credit data of supply chain buyers; the credit digital voucher stream is transferred to a seller upstream in the supply chain and corresponding operations are performed on the digital voucher based on processing by the seller. When a buyer and a seller transact based on the electronic platform, the invention opens a credit digital certificate for a seller in the transaction supply chain by combining the own credit data of the buyer in the transaction supply chain, and transfers the opened credit data certificate to the seller at the upstream of the transaction supply chain on the electronic platform so that the seller at the upstream further processes the credit digital certificate (such as payment due, financing application or continuous transfer), thereby realizing that the credit digital certificate generated by combining the credit data is used for replacing entity cash and bank deposit to perform financial transfer on the electronic platform, reducing the occupation and usage of the bank deposit and the entity cash, saving multi-link financial settlement delivery programs on the supply chain, improving the overall efficiency of financial transaction and greatly promoting the activity of economic activities.
Drawings
FIG. 1 is a schematic diagram of the hardware operation involved in an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of a method for financial circulation of a supply chain of an electronic platform according to the present invention;
FIG. 3 is a flowchart illustrating a detailed process of step S200 in an embodiment of a method for financial circulation of a supply chain of an electronic platform according to the present invention;
FIG. 4 is a schematic diagram of an application scenario of an embodiment of a method for financial circulation of a supply chain of an electronic platform according to the present invention;
fig. 5 is a schematic structural diagram of a supply chain financial circulation system of an electronic platform according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, fig. 1 is a schematic structural diagram of a hardware operating environment according to an embodiment of the present invention.
It should be noted that fig. 1 is a schematic structural diagram of a hardware operating environment of the terminal device. The terminal equipment of the embodiment of the invention can be terminal equipment such as a PC, a portable computer and the like.
As shown in fig. 1, the terminal device may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the terminal device configuration shown in fig. 1 is not intended to be limiting of the terminal device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a distributed task processing program. Among them, the operating system is a program that manages and controls the hardware and software resources of the sample terminal device, a handler that supports distributed tasks, and the execution of other software or programs.
In the terminal apparatus shown in fig. 1, the user interface 1003 is mainly used for data communication with each terminal; the network interface 1004 is mainly used for connecting a background server and performing data communication with the background server; and the processor 1001 may be configured to invoke an electronic platform supply chain financial circulation program stored in the memory 1005 and perform the following operations:
issuing a credit number voucher based on the supply chain buyer's own credit data on the electronic platform;
the credit digital voucher stream is transferred to a seller upstream in the supply chain and corresponding operations are performed on the digital voucher based on processing by the seller.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005 to perform the following operations prior to performing the opening of credit digital vouchers on the electronic platform based on the supply chain buyer's own credit data:
recording transaction content of transactions conducted by the buyer and the seller of the supply chain on the electronic platform.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:
generating a right obligation for the transaction of the accounts payable according to the transaction content;
issuing a credit digital voucher for the seller on the electronic platform in conjunction with the owned credit data and the rights obligation.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:
generating a right obligation for the transaction of the accounts payable according to the transaction content;
and issuing a credit digital certificate representing the debt right for the seller on the electronic platform according to the owned credit data, the right obligation and the guarantee amount paid by the financial institution for the buyer.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005 to perform the following operations prior to executing the circulation of the digital voucher to the seller upstream in the supply chain:
calling a security technology on the electronic platform to encrypt the opened credit digital certificate;
the processor 1001 may invoke the electronic platform supply chain financial circulation program stored in the memory 1005 and also perform the following operations:
identifying the credit level to which the own credit data belongs, and detecting the liquidity of the financial circulation corresponding to the credit level;
and according to the circulation, the encrypted credit digital certificate is circulated to the seller who carries out transaction with the buyer in the upstream of the supply chain.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:
detecting whether the seller rejects the credit digital certificate, and if the seller rejects the credit digital certificate, returning the credit digital certificate to the buyer according to an original transmission link;
if the seller does not reject the credit digital certificate and holds the collection of money, clearing the credit digital certificate at a preset fixed time;
if the seller does not reject the credit digital voucher and continues the flow, the flow is diverted to an upstream vendor of the seller on the electronic platform.
Further, the processor 1001 may invoke an electronic platform supply chain financial circulation program stored in the memory 1005, and also perform the following operations:
detecting the credit digital certificates held by each node on the electronic platform at the preset fixed time;
and uniformly clearing the credit digital certificates held by the nodes by a preset clearing center.
Based on the above structure, embodiments of the financial circulation method of the supply chain of the electronic platform are provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first embodiment of a supply chain financial circulation method of an electronic platform according to the present invention.
While a logical order is shown in the flow chart, in some cases, the steps shown or described may be performed in an order different than that shown or described herein.
The financial circulation method of the supply chain of the electronic platform according to the embodiment of the present invention is applied to the terminal device, and the terminal device according to the embodiment of the present invention may be a terminal device such as a PC, a portable computer, or the like, and is not limited specifically herein.
The financial circulation method of the supply chain of the electronic platform comprises the following steps:
step S100, a credit digital certificate is opened on the electronic platform based on the own credit data of the supply chain buyer.
On an electronic platform for carrying out transaction between buyers and sellers, the buyers offer credit digital certificates for the sellers in the transaction according to own credit data.
It should be noted that the electronic platform for the buyer and seller to perform the transaction includes, but is not limited to: an ERP (Enterprise resource Planning) service platform, a block chain platform, an Internet platform, a mobile Internet platform, a cloud platform, a big data platform and the like, wherein the block chain platform comprises: the system comprises a private chain bottom layer technology platform, a alliance chain bottom layer technology platform and a public chain bottom layer technology platform.
The buyer opens a credit digital certificate for the seller of the transaction according to the own credit data, and also opens a commitment and fulfillment book for the seller to fulfill the debt guarantee of the accounts payable generated by the transaction.
It should be noted that the credit types of the owned credit data include, but are not limited to: personal credit, business credit, bank credit, and national credit.
Specifically, for example, when a buyer enterprise and a seller enterprise perform a transaction via a alliance chain underlying technology platform of a block chain platform, thereby an electronic intelligent purchase and sale contract is made on the alliance chain underlying technology platform, an electronic reconciliation certificate is delivered by a seller enterprise, after the buyer enterprise receives the electronic reconciliation certificate delivered by the seller enterprise and confirms the electronic reconciliation certificate, the buyer enterprise issues an electronic value-added tax special invoice to the seller, the buyer enterprise and the seller enterprise confirm accounts payable and receivable by the buyer enterprise (the accounts payable and receivable are the same) together via the invoice, based on the transaction background between the buyer enterprise and the seller enterprise on the alliance chain underlying technology platform, the buyer enterprise uses own credit data (e.g., asset liability data such as cash and deposit receivable amount) of the credit of the individual credit or enterprise according to the credit type, and financial institutions such as banks and non-banks give the transaction to the buyer enterprise for the current transaction The payable account of the secondary transaction is paid for the guarantee amount, on the current alliance chain bottom layer technology platform, the seller enterprise of the transaction is opened and recorded with the item data of the debt and the credit digital certificate of the account amount payable of the accounts receivable of the buyer and the seller of the transaction, which are captured from the current alliance chain bottom layer technology platform, and the buyer enterprise is guaranteed to fulfill the commitment and contract book of the debt generated by the transaction.
Further, in another embodiment, in step S100, before issuing a credit digital certificate based on the own credit data of the supply chain buyer on the electronic platform, the electronic platform supply chain financial circulation method of the present invention further includes:
step A, recording transaction contents of transactions between the buyer and the seller in the supply chain on the electronic platform.
The business buying and selling activities between the business of the buyer and the seller are carried out on various electronic platforms, and the corresponding electronic platforms record the business contents of the business buying and selling activities.
Specifically, for example, when a buyer enterprise and a seller enterprise transact with each other through the alliance chain underlying technology platform of the blockchain platform, the alliance chain underlying technology platform records transaction contents such as transaction buying and selling contracts, logistics information (buyer and seller electronic statements and confirmation certificates), invoices and the like generated by transaction buying and selling activities between the buyer enterprise and the seller enterprise.
Further, step S100, issuing a credit number voucher based on the own credit data of the supply chain buyer on the electronic platform, includes:
step S101, generating the right obligation of the transaction accounts payable according to the transaction content.
Specifically, for example, when a buyer enterprise and a seller enterprise perform a transaction through an alliance chain underlying technology platform of a blockchain platform, and complete transaction contents such as a transaction buying and selling contract, logistics information (buyer and seller electronic statements and confirmation certificates), and an invoice generated by the alliance chain underlying technology platform for the transaction buying and selling activity in the transaction buying and selling activity of the current time, the obligation of the buyer enterprise to pay for the transaction of the transaction and the obligation of the seller enterprise to pay for the transaction of the current time are generated according to the recorded transaction contents such as the transaction buying and selling contract, the logistics information (buyer and seller electronic statements and confirmation certificates), and the invoice, wherein the accounts payable by the buyer enterprise are the same as the accounts payable by the seller enterprise.
And step S102, combining the owned credit data and the right obligation, and issuing a credit digital certificate for the seller on the electronic platform.
Specifically, for example, on the underlying technology platform of the alliance chain which currently records various transaction contents in transaction buying and selling activities between buyer enterprises and seller enterprises, in combination with own credit data (e.g. data of assets and liabilities such as cash and amount due to deposit) of the buyer enterprises in the transaction buying and selling activities, and generating an obligation of the buyer enterprise to pay the account of the transaction and a right of the seller enterprise to receive the account of the transaction according to the recorded transaction buying and selling contracts, logistics information (electronic statements and confirmation certificates of the buyer and the seller), and invoices and other transaction contents, and opening a commitment book which is recorded with the item data of the debt of the buyer and the seller of the transaction and the right of the accounts of the transaction which are grabbed from the current alliance chain bottom technical platform and are paid and accepted by the seller enterprise, and the acceptance book of the debt generated by the buyer enterprise to fulfill the transaction.
Further, in another embodiment, in the step S100 of issuing a credit digital certificate based on the own credit data of the supply chain buyer on the electronic platform, after the step S101 of generating the right obligation of the transaction accounts payable according to the transaction content, the method further includes:
step S103, according to the owned credit data, the right obligation and the guarantee amount paid by the financial institution for the buyer, a credit digital certificate representing the debt right is issued to the seller on the electronic platform.
Specifically, for example, on the alliance chain underlying technology platform which currently records various transaction contents in transaction buying and selling activities between buyer enterprises and seller enterprises, the own credit data (e.g. asset liability data such as cash and amount payable of deposit) of the buyer enterprises in the transaction buying and selling activities of this time, the right of generating the obligation of the accounts payable of the transaction buying enterprises and the accounts payable of the seller enterprises in the transaction buying and selling activities of this time according to the recorded transaction contents such as transaction buying and selling contracts, logistics information (electronic statements and confirmation certificates of buyer and seller), invoices and the like, and the accounts payable balance of the transaction buying enterprises for this time given by financial institutions such as banks and non-banks (within the accounts payable balance of the transaction buying enterprises for this time given by the financial institutions such as banks and non-banks), and opening a credit digital certificate which is recorded with the item data of the debt of the receivable accounts payable of the buyer and the seller of the transaction and the amount of the credit and is captured from the current alliance chain bottom technical platform for the seller enterprise of the transaction purchase and sale activity, and a commitment and contract book which is used for ensuring that the buyer enterprise fulfills the debt generated by the transaction.
It should be noted that, in this embodiment, the buyer enterprise of the transaction activity may autonomously determine whether to offer the credit digital certificate for the seller enterprise in combination with the guarantee amount paid by the financial institution for the buyer enterprise for the transaction according to its own requirements, for example, the buyer enterprise of the transaction activity does not consider the liquidity of the offered credit digital certificate on the current electronic platform, and can ensure that the seller enterprise of the transaction therewith will accept the offered credit digital certificate, the buyer enterprise may choose not to offer the credit digital certificate in combination with the guarantee amount paid by the financial institution for the buyer enterprise for the transaction, otherwise, the buyer enterprise needs to choose to offer the credit digital certificate in combination with the guarantee amount paid by the financial institution for the buyer enterprise for the transaction, so on the premise of ensuring that the credit digital certificate generated in combination with the credit data can be normally carried out, the flexibility of issuing the credit digital certificate is further improved.
Step S200, the credit digital voucher is transferred to a seller upstream in the supply chain, and corresponding operation is performed on the digital voucher based on the processing of the seller.
After a buyer waiting for transaction opens a credit digital certificate for a seller of the transaction according to own credit data, the opened credit digital certificate is transferred to the seller at an upstream node of a current transaction supply chain on an electronic platform for the transaction of the current buyer and the current seller, so that the seller receives the credit digital certificate, and the operation of settlement clearing or continuous flow transfer and the like is correspondingly executed on the current electronic platform based on the processing of holding due collection, financing application, flow or split flow and the like of the current credit digital certificate by the seller.
Specifically, for example, in the application scenario shown in fig. 4, after a credit digital certificate and a committed record are issued to a seller enterprise of the transaction for the accounts payable of the transaction at the current federation chain bottom technology platform according to the credit type of the buyer enterprise as the owned credit data of the personal credit or the enterprise credit (e.g. the data of the assets and liabilities such as the cash and the amount due to the deposit) and the amount paid by financial institutions such as banks and non-banks for the transaction, the seller enterprise transfers the credit digital certificate and the committed record to the seller enterprise at the upstream node of the supply chain of the transaction recorded at the current federation chain bottom technology platform, the seller enterprise records the data and the amount of the accounts payable of the buyer and seller at the current transaction buyer represented by the committed record to fulfill the guarantee of the transaction, deciding to receive the current credit digital voucher.
Therefore, the seller enterprise can execute due collection processing aiming at the currently received credit digital certificate, and the seller enterprise is settled and paid accounts which are required to be received by the seller enterprise for the transaction at the settlement clearing time corresponding to the current alliance chain bottom technical platform; in addition, if the seller enterprise continues to circulate the currently received credit digital voucher as a whole or continues to circulate the credit digital voucher after splitting, the seller enterprise correspondingly continues to circulate the credit digital voucher received by the seller enterprise as a whole or multiple credit digital vouchers after splitting to the supply chain node appointed by the current seller enterprise on the current alliance chain bottom technology platform.
It should be noted that, in this embodiment, on the current alliance chain bottom technology platform, the buyer enterprise opens the credit digital voucher, the credit digital voucher is transferred to the seller enterprise, and the seller enterprise receives the credit digital voucher and correspondingly performs settlement and clearing collection or continues transferring, which is regarded as a process of performing right and obligation fulfillment and settlement payment between the buyer enterprise and the seller enterprise in the current transaction, and when the seller enterprise continues transferring the received credit digital voucher, the above process is repeatedly circulated on the current alliance chain bottom technology platform.
In this embodiment, when a buyer and a seller perform a transaction based on an electronic platform, a credit digital certificate is issued to a seller in a transaction supply chain in combination with own credit data of a buyer in the transaction supply chain, and after the buyer to be transacted issues the credit digital certificate to the seller in the current transaction according to the own credit data, the issued credit digital certificate is transferred to the seller at an upstream node of the current transaction supply chain on the electronic platform where the buyer and the seller perform the transaction, so that the seller receives the credit digital certificate, and based on the processing of the seller performing payment due, financing application, transfer or split transfer and the like on the current credit digital certificate, the operations such as settlement clearing or continuous transfer and the like are correspondingly performed on the current electronic platform.
The financial transfer is carried out by using the credit digital certificate generated by combining the credit data on the electronic platform instead of the entity cash and the bank deposit, so that the occupied usage amount of the bank deposit and the entity cash is reduced, a multi-link financial settlement delivery program on a supply chain is saved, the overall efficiency of financial transactions is improved, and the activity of economic activities is greatly promoted.
Further, based on the first embodiment of the electronic platform supply chain financial circulation method, a second embodiment of the electronic platform supply chain financial circulation method of the present invention is provided.
In the second embodiment of the electronic platform supply chain financial circulation method according to the present invention, before the step S200 of circulating the credit digital certificate to the seller upstream of the supply chain and performing corresponding operations on the digital certificate based on the processing of the seller, the electronic platform supply chain financial circulation method according to the present invention further includes:
and B, calling a security technology on the electronic platform to encrypt the opened credit digital certificate.
After a buyer of a transaction opens a credit digital certificate for a seller of the transaction according to own credit data, a confidentiality technology (for example, an asymmetric encryption technology with extremely high confidentiality and the like carried by a block chain platform) owned by or compatible with the electronic platform is called on the electronic platform for the transaction of the current buyer and the current seller, and the credit digital certificate opened by the buyer is encrypted, so that the authenticity of the credit digital certificate opened by the buyer is ensured, and the safety of the credit digital certificate in the circulation process on the current electronic platform is ensured.
Further, in step S200, the flowing the digital certificate to the seller upstream of the supply chain includes:
step S201, identifying the credit level of the own credit data, and detecting the currency of the financial circulation corresponding to the credit level.
Step S202, according to the circulation, the encrypted credit digital voucher is circulated to the seller who carries out transaction with the buyer at the upstream of the supply chain.
After a buyer of a transaction opens a credit digital certificate for a seller of the transaction according to own credit data and the encryption processing is carried out on the credit digital certificate opened by the buyer by calling a self-owned or compatibly-realized security technology on an electronic platform for carrying out the transaction by the current buyer and the current seller, the electronic platform opens the current credit digital certificate according to a credit class for identifying the credit type of the own credit data of the buyer and a guarantee amount paid by a buyer enterprise by the buyer or not in combination with a financial institution, detects and determines the currency of financial circulation corresponding to the current credit type on the electronic platform, and circulates the opened credit digital certificate to the seller of a transaction supply chain according to the determined currency.
Specifically, for example, when the current alliance chain underlying technology platform identifies the credit level of the low-level credit is low-level credit by identifying the credit type of the credit data of the asset, such as cash and the amount of money to be paid by the deposit, which is owned by the buyer enterprise when the buyer enterprise opens the credit digital voucher for the seller enterprise, the personal credit or the enterprise credit, and the liquidity of the digital voucher corresponding to the low-level credit applied to the current alliance chain underlying technology platform is "poor", further, when the credit digital voucher opened currently for the buyer enterprise is issued for the current transaction by combining with the credit line paid for the current transaction by the financial institution, such as a bank or a non-bank, and the liquidity of the credit digital voucher opened currently on the current alliance chain underlying technology platform is correspondingly determined to be "good", so that the liquidity of the credit digital voucher opened currently detected "good", "good, and (4) transferring the credit digital certificate issued by the buyer enterprise to the seller enterprise on the current alliance chain underlying technology platform.
It should be noted that, in this embodiment, since the credit type is a personal credit or a credit level corresponding to an enterprise credit is low, the circulation of the corresponding credit digital voucher on the electronic platform is 'poor', the credit type is bank credit or the credit level corresponding to national credit is high, the circulation of the corresponding credit digital certificate on the electronic platform is 'good', in addition, if the buyer combines the bank or non-bank financial institution to pay for the buyer enterprise for the transaction when the buyer opens the credit digital certificate, the credit type of the buyer's own credit data may be defaulted to be promoted from "personal credit or business credit" to "bank credit or national credit", therefore, generally, before issuing the credit digital certificate, the transaction buyer usually applies to the bank for paying the credit line instead, and then issues the credit digital certificate for the seller within the packet-to-line.
Further, referring to fig. 3, fig. 3 is a schematic flowchart illustrating a detailed flow of the step of performing the corresponding operation on the digital certificate based on the processing of the seller in step S200, where the step of performing the corresponding operation on the digital certificate based on the processing of the seller in step S200 includes:
step S203, detecting whether the seller rejects the credit digital voucher, and if the seller rejects the credit digital voucher, returning the credit digital voucher to the buyer according to an original transmission link.
Specifically, for example, after a buyer enterprise in a transaction pays a guarantee amount for accounts payable of the transaction according to its credit type (e.g. data of assets such as cash and amount payable of deposit) and financial institutions such as banks and non-banks, the buyer enterprise in the transaction issues a credit digital certificate and a commitment performing book for the transaction, and the credit digital certificate and the commitment performing book are transferred to a seller enterprise at an upstream node of the transaction supply chain recorded by the current alliance chain underlying technology platform, if the seller enterprise detects that the data and the amount of the accounts payable and debt of the buyer and the seller recorded by the current credit digital certificate do not match the actual amount, or because the buyer enterprise does not pay the current credit digital certificate in conjunction with the guarantee of the financial institution, therefore, when the current credit digital voucher has execution risk which is difficult to bear by the seller enterprise, the seller enterprise can refuse to receive the current credit digital voucher, and the credit digital voucher which is refused to be received by the seller enterprise is immediately returned to the buyer enterprise on the current alliance chain bottom layer technical platform according to the circulation path of the original transaction supply chain.
Step S204, if the seller does not reject the credit digital certificate and holds the collection, the credit digital certificate is cleared at a preset fixed time.
It should be noted that the preset fixed time is the fixed time for performing the settlement of the account for the transaction on the supply chain node of all the transactions performed on the current platform, which is preset by the electronic platform for performing the transactions by the current buyer and seller, for example, when the settlement time is set to 00:00 every day, after the platform time reaches the time, other operations on the platform are stopped, and the settlement of the account for the transaction on the supply chain node of all the transactions is started.
Specifically, for example, in the application scenario shown in fig. 4, if the seller enterprise records the transaction data of the accounts payable and receivable debt of the buyer and seller of the current transaction based on the detected current credit digital certificate and the account amount and actual amount are actual, or the buyer enterprise can hold the current credit digital certificate in combination with the exchange of the financial institution, or the execution risk seller enterprise caused by the credit digital certificate which is not exchanged in combination with the exchange of the financial institution, such that the seller enterprise confirms and receives the current credit digital voucher, and further performs an expired possession collection process on the currently received credit digital voucher, and the current alliance chain bottom layer technology platform uniformly settles accounts for the seller enterprises and pays the accounts which are supposed to be received by the seller enterprises for the transaction at the preset settlement settling time.
Further, in another embodiment, if the seller enterprise applies for financing to a funding party of a financial institution or a financial institution-like institution for the currently received credit digital certificate, the funding party of the financial institution or the financial institution-like institution applied by the seller enterprise on the current federation chain bottom technology platform is used to pay accounts payable for the transaction for the seller enterprise of the transaction, so that the seller enterprise can receive the accounts for the transaction in advance before the time of the unified settlement and clearing of the current federation chain bottom technology platform.
Further, in step S204, clearing the credit digital voucher at a preset fixed time includes:
step S2041, detecting the credit digital certificates held by each node on the electronic platform at the preset fixed time.
Specifically, for example, when it is detected that the system time of the current alliance chain underlying technology platform reaches a preset fixed time for clearing the account of the transaction account of the supply chain nodes of all transactions conducted on the platform, credit digital certificates owned by each node on all transaction supply chains recorded on the current alliance chain underlying technology platform are detected.
Step S2042, a preset clearing center performs clearing on the credit digital certificates held by the nodes in a unified manner.
Specifically, for example, a settlement center preset on the current alliance chain underlying technology platform uniformly settles and clears the recorded credit digital certificates owned by each node on all transaction supply chains, and realizes real payment of the due transaction account funds through a bank account.
It should be noted that the preset settlement center can be set on each electronic platform, or can be set on the interconnected platform of bank and bank enterprise, so as to be managed by bank instead of settlement and clearing work, the working principle of the preset settlement center is that all buyers and sellers conducting transaction on the electronic platform, and financial institutions and similar financial institutions such as bank and similar financial institutions conducting services such as financial circulation and expense on the electronic platform open virtual clearing accounts on the current preset settlement center, all parties of transaction issuing and receiving credit digital certificates and due collection only settle and clear with the settlement center, and after business is finished every day, the amount of credit digital certificates issued by each party and the amount of credit digital certificates holding due are subtracted, the amount of difference is the amount payable on the day or receivable, once the platform time reaches the fixed time of preset settlement and clearing, each party and bank, etc. pay to or receive the money paid from the preset settlement center, and the real bank accounts correspondingly complete the operation of payment or collection.
Step S205, if the seller does not reject the credit digital certificate and continues to flow, the flow is transferred to an upstream provider of the seller on the electronic platform.
Specifically, for example, in the application scenario shown in fig. 4, if the seller enterprise is actually responsible for the data and the amount of the account of the receivable creditability debt of the buyer and the seller of the current transaction recorded on the basis of the detection of the current credit digital voucher, or the buyer and the seller are capable of accepting the current credit digital voucher due to the fact that the buyer and the seller are bound to the exchange of the financial institution, or the execution risk seller enterprise caused by the credit digital voucher that the buyer and the seller are not bound to the exchange of the financial institution can accommodate the credit digital voucher, so that the seller enterprise confirms and receives the current credit digital voucher, and further continues to circulate the currently received credit digital voucher as a whole, or continues to circulate the currently received credit digital voucher after splitting, on the current alliance bottom technology platform, the corresponding seller continues to circulate the currently received credit digital voucher as a whole or multiple credit digital vouchers after splitting to the currently received credit digital voucher to the currently specified for the seller And linking the suppliers of the upstream nodes so as to continue to carry out processes of holding due payment, applying for financing and/or continuing to circulate after the upstream suppliers receive the credit digital certificate.
In this embodiment, after a buyer of a transaction opens a credit digital voucher for a seller of the transaction according to own credit data, a privacy technology (for example, an asymmetric encryption technology with extremely high privacy is carried on a block chain platform) owned by or compatibly realized by the electronic platform is invoked on an electronic platform for the transaction of the current buyer and the current seller, and the credit digital voucher opened by the buyer is encrypted, so that the authenticity of the credit digital voucher opened by the buyer is ensured, and the security of the credit digital voucher in the circulation process on the current electronic platform is ensured; and the preset settlement center is used for uniformly settling and clearing all transactions conducted by buyers and sellers on the electronic platform and financial circulation, accounting and clearing and other services generated between financial institutions such as banks and the like and similar financial institutions on the electronic platform, so that at the end of every day transaction business of the platform, the amounts of credit digital certificates issued by all nodes and credit digital certificates with due are subtracted, the difference amount is the amount payable or receivable on the day, once the platform time reaches the fixed time of the preset settlement clearing, all nodes, banks and the like pay or receive the money paid by the preset settlement center to the account of the preset settlement center, and the real bank accounts correspondingly complete the operation of paying or collecting the money, thereby realizing that the settlement clearing is conducted on the financial circulation on the electronic platform uniformly in fixed time by setting up the settlement center, avoiding the separate and complicated settlement and transaction account payment operation of each node during each transaction, not only reduces the occupation of bank deposit cash of both transaction parties, but also accelerates the turnover speed of funds on supply chains of both transaction parties and improves the fund use benefit.
In addition, referring to fig. 5, an embodiment of the invention further provides an electronic platform supply chain financial circulation system, which includes:
the voucher issuing module is used for issuing a credit digital voucher based on the own credit data of the supply chain buyer on the electronic platform;
and the financial circulation module is used for circulating the credit digital certificate to a seller upstream in the supply chain and executing corresponding operation on the digital certificate based on the processing of the seller.
Preferably, the electronic platform supply chain financial circulation system of the present invention further comprises:
a recording module for recording transaction content of transactions between the buyer and the seller of the supply chain on the electronic platform.
Preferably, the voucher issuing module comprises:
a generating unit, configured to generate a right obligation for transacting accounts payable according to the transaction content;
a first issuing unit for issuing a credit digital voucher for the seller on the electronic platform in conjunction with the owned credit data and the rights obligation.
Preferably, the voucher issuing module further comprises:
and the second issuing unit is used for issuing a credit digital certificate representing the debt right for the seller on the electronic platform according to the owned credit data, the right obligation and the guarantee amount paid by the financial institution for the buyer.
Preferably, the electronic platform supply chain financial circulation system of the present invention further comprises:
the encryption module is used for calling a security technology on the electronic platform to encrypt the opened credit digital certificate;
financial circulation module includes:
the identification unit is used for identifying the credit level to which the owned credit data belongs and detecting the currency of the financial circulation corresponding to the credit level;
and the first circulation unit is used for circulating the encrypted credit digital certificate to the seller who carries out transaction with the buyer at the upstream of the supply chain according to the circulation.
Preferably, the financial circulation module further comprises:
the circulation return unit is used for detecting whether the seller rejects the credit digital voucher or not, and if the seller rejects the credit digital voucher, returning the credit digital voucher to the buyer according to an original transmission link;
the clearing unit is used for clearing the credit digital certificate at preset fixed time if the seller does not reject the credit digital certificate and holds the collection;
a second circulation unit for, if the seller does not reject the credit digital voucher and continue circulation, circulating the circulation to an upstream provider of the seller on the electronic platform.
Preferably, the clearing unit comprises:
the detection unit is used for detecting the credit digital certificates held by the nodes on the electronic platform at the preset fixed time;
and the unified clearing operator unit is used for uniformly clearing the credit digital certificates held by the nodes by a preset clearing center.
The steps of the electronic platform supply chain financial circulation method described above are implemented when each functional module of the electronic platform supply chain financial circulation system provided in this embodiment operates, and are not described herein again.
In addition, an embodiment of the present invention further provides a computer-readable storage medium applied to a computer, where the computer-readable storage medium may be a non-volatile computer-readable storage medium, and the computer-readable storage medium stores thereon an electronic platform supply chain financial circulation program, and when the electronic platform supply chain financial circulation program is executed by a processor, the electronic platform supply chain financial circulation program implements the steps of the electronic platform supply chain financial circulation method as described above.
The steps implemented when the electronic platform supply chain financial circulation program running on the processor is executed may refer to various embodiments of the electronic platform supply chain financial circulation method of the present invention, and are not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. An electronic platform supply chain financial circulation method, comprising:
issuing a credit number voucher based on the supply chain buyer's own credit data on the electronic platform;
the credit digital voucher stream is transferred to a seller upstream in the supply chain and corresponding operations are performed on the digital voucher based on processing by the seller.
2. The electronic platform supply chain financial circulation method of claim 1, further comprising, prior to said step of issuing a credit digital voucher on the electronic platform based on the supply chain buyer's own credit data:
recording transaction content of transactions conducted by the buyer and the seller of the supply chain on the electronic platform.
3. The electronic platform supply chain financial circulation method of claim 2, wherein the step of issuing a credit number voucher on the electronic platform based on the supply chain buyer's own credit data comprises:
generating a right obligation for the transaction of the accounts payable according to the transaction content;
issuing a credit digital voucher for the seller on the electronic platform in conjunction with the owned credit data and the rights obligation.
4. The electronic platform supply chain financial circulation method of claim 2, wherein the step of issuing a credit number voucher on the electronic platform based on the supply chain buyer's own credit data further comprises:
generating a right obligation for the transaction of the accounts payable according to the transaction content;
and issuing a credit digital certificate representing the debt right for the seller on the electronic platform according to the owned credit data, the right obligation and the guarantee amount paid by the financial institution for the buyer.
5. The electronic platform supply chain financial circulation method of claim 1, further comprising, prior to the step of circulating the digital voucher to a seller upstream of the supply chain:
calling a security technology on the electronic platform to encrypt the opened credit digital certificate;
the step of transferring the digital voucher stream to a seller upstream in the supply chain comprises:
identifying the credit level to which the own credit data belongs, and detecting the liquidity of the financial circulation corresponding to the credit level;
and according to the circulation, the encrypted credit digital certificate is circulated to the seller who carries out transaction with the buyer in the upstream of the supply chain.
6. The electronic platform supply chain financial circulation method of claim 1, wherein the step of performing a corresponding operation on the digital voucher based on the processing of the seller comprises:
detecting whether the seller rejects the credit digital certificate, and if the seller rejects the credit digital certificate, returning the credit digital certificate to the buyer according to an original transmission link;
if the seller does not reject the credit digital certificate and holds the collection of money, clearing the credit digital certificate at a preset fixed time;
if the seller does not reject the credit digital voucher and continues the flow, the flow is diverted to an upstream vendor of the seller on the electronic platform.
7. The electronic platform supply chain financial circulation method of claim 6, wherein the step of clearing the credit digital voucher at a predetermined fixed time comprises:
detecting the credit digital certificates held by each node on the electronic platform at the preset fixed time;
and uniformly clearing the credit digital certificates held by the nodes by a preset clearing center.
8. An electronic platform supply chain financial circulation system, the electronic platform supply chain financial circulation system comprising:
the voucher issuing module is used for issuing a credit digital voucher based on the own credit data of the supply chain buyer on the electronic platform;
and the financial circulation module is used for circulating the credit digital certificate to a seller upstream in the supply chain and executing corresponding operation on the digital certificate based on the processing of the seller.
9. A terminal device, characterized in that the terminal device comprises: a memory, a processor, and an electronic platform supply chain financial circulation program stored on the memory and executable on the processor, the electronic platform supply chain financial circulation program when executed by the processor implementing the steps of the electronic platform supply chain financial circulation method of any of claims 1 to 7.
10. A storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the electronic platform supply chain financial circulation method of any one of claims 1 to 7.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910951777.9A CN110689350A (en) | 2019-09-30 | 2019-09-30 | Electronic platform supply chain financial circulation method, system, terminal device and medium |
| PCT/CN2020/102681 WO2021063079A1 (en) | 2019-09-30 | 2020-07-17 | Electronic platform supply chain financial circulation method and system, terminal device and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910951777.9A CN110689350A (en) | 2019-09-30 | 2019-09-30 | Electronic platform supply chain financial circulation method, system, terminal device and medium |
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| CN110689350A true CN110689350A (en) | 2020-01-14 |
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| CN201910951777.9A Withdrawn CN110689350A (en) | 2019-09-30 | 2019-09-30 | Electronic platform supply chain financial circulation method, system, terminal device and medium |
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| CN (1) | CN110689350A (en) |
| WO (1) | WO2021063079A1 (en) |
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| WO2021063079A1 (en) * | 2019-09-30 | 2021-04-08 | 肖光昱 | Electronic platform supply chain financial circulation method and system, terminal device and medium |
| CN112686748A (en) * | 2020-12-31 | 2021-04-20 | 鲁班(北京)电子商务科技有限公司 | Full-process online financing system based on big data |
| CN113378332A (en) * | 2021-08-16 | 2021-09-10 | 成都数联云算科技有限公司 | Production equipment group analysis method and device, electronic equipment and computer readable storage medium |
| CN116739810A (en) * | 2023-06-17 | 2023-09-12 | 山东普惠共享经济技术开发有限公司 | Electronic creditor reconciliation processing algorithm based on financial information platform |
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| WO2021063079A1 (en) | 2021-04-08 |
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