CN111062805A - Supply chain financial service management platform - Google Patents
Supply chain financial service management platform Download PDFInfo
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Abstract
The invention is suitable for the technical field of computers, and provides a supply chain financial service management platform, which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal is used for receiving a financing request sent by an enterprise client; based on an intelligent wind control technology, a data wind control model is constructed according to credit sample data of a financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the preset credit granting rule is met, receiving identification information sent by the enterprise client; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, provides real and credible trade data for financial institutions, and solves the mutual trust problem among multi-party participants in the existing supply chain finance.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a supply chain financial service management platform.
Background
The financial financing difficulty and the financing expense of small and medium-sized micro enterprises are problems which need to be solved in the financial development process of China for a long time. Supply chain finance is a positive attempt to address this challenge. Supply chain finance refers to comprehensive financial products and services provided for upstream and downstream enterprises in a supply chain by taking a core enterprise and related upstream and downstream enterprises on the supply chain as a whole, relying on the core enterprise and taking real trade as the premise and applying a self-compensation trade financing mode.
However, there are still many problems with traditional supply chain finance, such as: 1) the financial institution has high verification cost for the authenticity and accuracy of the settlement data formed by the supply chain link, and the middle and small-sized micro enterprises are difficult to finance due to insufficient credit and unstable growth period; 2) as a main financing tool for supply chain finance, the use scenes of commercial drafts and bank drafts at the present stage are limited, and the transfer difficulty is higher; 3) the supply chain financial platform/core enterprise system is difficult to self-certify and clear, so that the wind control cost of the capital end is high; 4) due to the lack of mutual trust among the node enterprises, the assets of each enterprise are difficult to transfer or cash transfer is too slow, and the fund use efficiency is low. Therefore, the traditional supply chain finance cannot well solve the problems of difficult financing and expensive financing of small and medium-sized micro enterprises.
Currently, although the blockchain technology has more and more applications in the field of financial technology, in the field of supply chain finance, because of numerous participants, the problems of difficult collaboration, high communication cost and low transaction efficiency always exist.
Disclosure of Invention
The embodiment of the invention aims to provide a supply chain financial service management platform, and aims to solve the problems that the existing supply chain financial management platform is difficult to cooperate, high in communication cost and low in transaction efficiency all the time due to a plurality of participants.
The embodiment of the invention is realized in such a way that a supply chain financial service management platform comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal stores credit sample data of the financing service terminal;
the service management terminal is used for receiving a financing request sent by an enterprise client, wherein the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; sending a financing instruction carrying the identification information to the financing server;
the enterprise client is used for sending a financing request to the service management terminal, and the financing request carries financing information and transaction information of the enterprise client; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, sending identification information to the service management side; receiving funds sent by the financing server;
the financing server is used for receiving a financing instruction which carries the identification information by the service management terminal; financing the enterprise client according to the identification information.
The embodiment of the invention provides a supply chain financial service management platform, which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal stores credit sample data of the financing service terminal, and receives a financing request sent by an enterprise client terminal, wherein the financing request carries financing information and transaction information of the enterprise client terminal; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, and providing real and credible trade data for financial institutions, thereby providing a solid data base for risk decision and solving the mutual trust problem among multiple participants in the existing supply chain finance; in addition, for supply chain member enterprises, low-cost and high-quota financial services can be obtained, so that financial services can be provided for more small and medium-sized micro enterprises.
Drawings
Fig. 1 is a schematic structural diagram of a supply chain financial service management platform according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a service manager according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of an enterprise client according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a financing server according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a supply chain financial services management platform according to a second embodiment of the present invention;
fig. 6 is a schematic structural diagram of a financing server according to a third embodiment of the present invention;
fig. 7 is a schematic structural diagram of a financing server according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the examples of the invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, etc. may be used to describe various information in embodiments of the present invention, the information should not be limited by these terms. These terms are only used to distinguish one type of information from another.
One core problem in traditional supply chain finance is trust, which includes both mutual trust between enterprises at supply chain nodes and trust of financial institutions for supply chain platforms and customers. This problem can be better solved by using block chaining techniques: the block chain is used as a decentralized distributed account book, an equal cooperation platform is provided for all participants of the supply chain, and the credit cooperation risk and cost among mechanisms are reduced; the information on the chain can be tracked and cannot be tampered, data among a plurality of mechanisms are synchronized in real time, and the account can be checked in real time; namely, the trust problem can be effectively solved through the block chain technology.
The supply chain financial service management platform provided by the embodiment of the invention comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal stores credit sample data of the financing service terminal, and receives a financing request sent by an enterprise client terminal, wherein the financing request carries financing information and transaction information of the enterprise client terminal; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, and providing real and credible trade data for financial institutions, thereby providing a solid data base for risk decision and solving the mutual trust problem among multiple participants in the existing supply chain finance; in addition, for supply chain member enterprises, low-cost and high-quota financial services can be obtained, so that financial services can be provided for more small and medium-sized micro enterprises.
To further explain the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description of the embodiments, structures, features and effects according to the present invention will be given with reference to the accompanying drawings and preferred embodiments.
Fig. 1 is a schematic structural diagram of a supply chain financial service management platform according to an embodiment of the present invention, and for convenience of description, only a part related to the embodiment of the present invention is shown.
In the embodiment of the present invention, the supply chain financial service management platform includes a service management end 101, an enterprise client 102 connected to the service management end 101 based on a blockchain network communication, and a financing server 103; the service management side 101 stores credit sample data of the financing service side.
In the embodiment of the present invention, the financing service end, which is a generic term of a party providing financing service, refers to a financial intermediary organization involved in financial service industry, which is a part of a financial system, and the financial service industry (industries such as bank, securities, insurance, trust, fund, etc.) corresponds to the financial intermediary organization. Financial intermediary institutions also include banks, securities companies, insurance companies, trust companies, fund management companies, and the like; therefore, the financing service end of the embodiment of the invention includes, but is not limited to, central bank, ordinary bank, non-bank financial institution, external financing, Chinese financing, and Chinese and foreign financing financial institution which are started in China, and may also be a core enterprise, a third-party financial institution or an internet supply chain financial institution.
In the embodiment of the invention, the enterprise client is a small and medium enterprise, and comprises an upstream provider and a downstream dealer, and the interaction between the upstream provider and the downstream dealer is based on a financing service end (core enterprise).
The service management terminal 101 is configured to receive a financing request sent by an enterprise client, where the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; and sending a financing instruction carrying the identification information to the financing server.
In the embodiment of the invention, the transaction information refers to trade information occurring among enterprises in a supply chain, such as receivable contract information, prepaid contract information, logistics/inventory information, settlement and balance information and the like, and the information needs to be uploaded to a block chain in real time, so that the authenticity of the transaction information is ensured, and the wind control cost of a financial institution is reduced.
In the embodiment of the present invention, the financing information is non-trade information, which refers to the small and medium-sized micro-enterprises (upstream suppliers or downstream distributors) that need financing and their financing information, such as company information, financing application, credit application, etc., and these information are also information that needs to be investigated by the service management end and the financing service end during credit granting.
In the embodiment of the invention, the credit sample data comprises sample data such as credit investigation and credit, wherein the credit data comprises the creditability provided by the deposit company to the non-financial department, and can be obtained by compiling the overview of the deposit company; data also including financial companies crediting non-financial departments may be obtained in compiling a financial company overview.
In the embodiment of the invention, the intelligent wind control technology comprises various quantized wind control models; it is most advantageous to calculate what high risk customers are highest able to bear through the wind control model, while at the same time how to securitize these assets and distribute point risks to commissions. Through the credible data center station, by combining with sample data of credit investigation, credit and the like of a financial institution, and applying an intelligent wind control technology (including various quantized wind control models), a data wind control model is constructed, and scientific assessment is carried out on financing requirements put forward by small and medium suppliers/dealers, so that a credit granting scheme is formulated based on credit granting rules.
In particular, basic information of enterprises on the supply chain with credit requirements and transaction information enter the platform, and the basic information and the transaction information are also data input for later evaluation of the credit of the enterprises on the chain. Wind control is mainly realized through quantitative wind control models, the simplest wind control models are multiple regression models, the most complicated wind control models can use machine learning models and the like, and the estimation or training of the models needs sample data such as credit investigation and credit investigation of financial institutions; after the model is estimated or trained, the enterprise related data to be evaluated is input into the model, and the risk level of the enterprise can be obtained. In fact, the related information data of the enterprise with financing requirements, such as the enterprise operation condition, the financing scale and the repayment capacity (the indexes are reflected in the model), are input based on the wind control model obtained by training the existing sample data, and then the risk assessment result of the enterprise can be output, and the credit granting scheme is made according to the result.
The enterprise client 102 is configured to send a financing request to the service management side, where the financing request carries financing information and transaction information of the enterprise client; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, sending identification information to the service management side; and receiving the fund sent by the financing server.
In the embodiment of the present invention, the identification information is used to uniquely identify an enterprise client in the system, that is, uniquely identify a small and medium-sized micro enterprise, and may be an enterprise name, a credit code, or the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
In the embodiment of the invention, when the enterprise client receives the information that the audit is passed, the enterprise client sends the identification information to the service management end so that the corresponding financing server end can be used as a financing basis.
The financing server 103 is configured to receive a financing instruction that carries the identification information by the service management end; financing the enterprise client according to the identification information.
In the embodiment of the invention, the financing instruction is a credit granting scheme, which comprises the amount of money and the loan interest rate index.
The embodiment of the invention provides a supply chain financial service management platform, which comprises a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal stores credit sample data of the financing service terminal, and receives a financing request sent by an enterprise client terminal, wherein the financing request carries financing information and transaction information of the enterprise client terminal; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; sending a financing instruction carrying the identification information to the financing server; the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, and providing real and credible trade data for financial institutions, thereby providing a solid data base for risk decision and solving the mutual trust problem among multiple participants in the existing supply chain finance; in addition, for supply chain member enterprises, low-cost and high-quota financial services can be obtained, so that financial services can be provided for more small and medium-sized micro enterprises.
Fig. 2 is a schematic structural diagram of a service manager according to a first embodiment of the present invention, and for convenience of description, only parts related to the first embodiment of the present invention are shown.
In this embodiment of the present invention, the service management terminal 101 includes a financing request receiving unit 201, a wind control model constructing unit 202, a determining unit 203, an identification information receiving unit 204, and a financing instruction sending unit 205.
The financing request receiving unit 201 is configured to receive a financing request sent by an enterprise client, where the financing request carries financing information and transaction information of the enterprise client.
In the embodiment of the invention, the transaction information refers to trade information occurring among enterprises in a supply chain, such as receivable contract information, prepaid contract information, logistics/inventory information, settlement and balance information and the like, and the information needs to be uploaded to a block chain in real time, so that the authenticity of the transaction information is ensured, and the wind control cost of a financial institution is reduced.
In the embodiment of the present invention, the financing information is non-trade information, which refers to the small and medium-sized micro-enterprises (upstream suppliers or downstream distributors) that need financing and their financing information, such as company information, financing application, credit application, etc., and these information are also information that needs to be investigated by the service management end and the financing service end during credit granting.
The wind control model building unit 202 is configured to build a data wind control model according to the credit sample data of the financing server based on an intelligent wind control technology.
In the embodiment of the invention, the credit sample data comprises sample data such as credit investigation and credit, wherein the credit data comprises the creditability provided by the deposit company to the non-financial department, and can be obtained by compiling the overview of the deposit company; data also including financial companies crediting non-financial departments may be obtained in compiling a financial company overview.
In the embodiment of the invention, the intelligent wind control technology comprises various quantized wind control models; it is most advantageous to calculate what high risk customers are highest able to bear through the wind control model, while at the same time how to securitize these assets and distribute point risks to commissions. The implementation mode can be that a data wind control model is constructed by a credible data center station and by combining sample data of credit investigation, credit and the like of a financial institution and applying an intelligent wind control technology (comprising various quantized wind control models).
The judging unit 203 is configured to judge whether the financing information and the transaction information of the enterprise client meet a preset credit granting rule according to the data wind control model.
The identification information receiving unit 204 is configured to receive the identification information sent by the enterprise client when the financing information and the transaction information of the enterprise client meet a preset credit granting rule.
In the embodiment of the present invention, the identification information is used to uniquely identify an enterprise client in the system, that is, uniquely identify a small and medium-sized micro enterprise, and may be an enterprise name, a credit code, or the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The financing instruction sending unit 205 is configured to send a financing instruction carrying the identification information to the financing server.
In the embodiment of the invention, the financing instruction is a credit granting scheme, which comprises the amount of money and the loan interest rate index.
Fig. 3 is a schematic structural diagram of an enterprise client according to a first embodiment of the present invention, and for convenience of description, only parts related to the first embodiment of the present invention are shown.
In this embodiment of the present invention, the enterprise client 102 includes a financing request sending unit 301, an identification information sending unit 302, and a financing unit 303.
The financing request sending unit 301 is configured to send a financing request to the service management end, where the financing request carries financing information and transaction information of the enterprise client.
The identification information sending unit 302 is configured to send identification information to the service management side when the financing information and the transaction information of the enterprise client side meet a preset credit granting rule.
In the embodiment of the present invention, the identification information is used to uniquely identify an enterprise client in the system, that is, uniquely identify a small and medium-sized micro enterprise, and may be an enterprise name, a credit code, or the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The fund collection unit 303 is configured to receive the fund sent by the financing server.
Fig. 4 is a schematic structural diagram of a financing server according to an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown.
In the embodiment of the present invention, the financing service terminal 103 includes a financing instruction receiving unit 401 and a financing unit 402.
The financing instruction receiving unit 401 is configured to receive a financing instruction that carries the identification information at the service management end.
In the embodiment of the invention, the financing instruction is a credit granting scheme, which comprises the amount of money and the loan interest rate index.
The financing unit 402 is configured to finance to the enterprise client according to the identification information.
In the embodiment of the invention, the only enterprise client is determined according to the identification information, and then financing is carried out on the enterprise client according to the credit granting scheme.
Fig. 5 is a schematic structural diagram of a supply chain financial service management platform according to a second embodiment of the present invention, and for convenience of description, only the parts related to the second embodiment of the present invention are shown, which are similar to the first embodiment, except that:
in an embodiment of the present invention, the enterprise clients 102 include at least one upstream provisioning client 501 and at least one downstream marketing client 502; the upstream provisioning client 501 and the downstream marketing client 502 communicate with the service manager 101 through the financing server 103.
In the embodiment of the present invention, the upstream supply client refers to an upstream supplier, and refers to a supplier providing raw materials for production for a manufacturer or a supplier ranked higher in a multi-hierarchy supplier; the downstream provisioning client is broadly referred to as a downstream dealer. In the industry chain, the supplier of raw materials is called an upstream client, and the receiver of finished products becomes a downstream client, which may be a customer or other distributor, for example, for a steel plant, then the mineral industry is upstream and the automobile manufacturing and machining is downstream.
In the embodiment of the present invention, the financing server is equivalent to a core enterprise in the supply chain, and may be a third-party logistics or warehousing enterprise, which plays a role of a federation owner of the supply chain and optimally manages the supply chain based on the uplink information.
The upstream supply client 501 is configured to send the cargo information to the financing server, so that the financing server forwards the information to the downstream distribution client after passing the verification of the data wind control model, and generates logistics and inventory information.
In the embodiment of the present invention, the cargo information may refer to that the cargo itself includes an entity and a virtual cargo, and the virtual cargo may be network electronic information such as member login code information, telephone charge purchase information, and the like, or an electronic document, a network course, a video file, and the like.
In the embodiment of the present invention, when the downstream dealer purchases raw materials from the upstream supplier, the downstream dealer needs to transport the raw materials to the downstream dealer through the core enterprise (third-party logistics enterprise), and the logistics and material inventory information generated in the process is uploaded to the service management end through the core enterprise, that is, the logistics and material inventory information is stored by the blockchain network.
The downstream distribution client 502 is configured to pay the goods payment to the financing server, and the financing server forwards the goods payment to the upstream supply client after passing the verification of the data wind control model, and generates trade information.
In the embodiment of the present invention, when the downstream dealer purchases raw materials from the upstream supplier, a certain amount of money, which may be a whole money or a material order, needs to be paid to the downstream dealer at the same time, which is determined by actual conditions and is not limited herein. The purchase amount paid by the downstream dealer is also collected by the third-party core enterprise, when the two parties do not agree, the amount is transferred to the upstream supplier, and the trade information (transaction information) generated in the process is uploaded to the service management end through the core enterprise, namely the trade information is stored through the blockchain network.
In the embodiment of the present invention, the relationship between the downstream dealer and the upstream supplier and the core enterprise may also be understood as equivalent to the existing online shopping, and the difference is that logistics, material inventory information and trade information generated in the transaction process are finally stored by the service management end, i.e. the upload block chain, and the service management end can monitor the operation of the enterprise client in real time, update the transaction information, perform risk assessment according to the data wind control model, and provide a warning function for the financial institution providing financing.
For small and medium enterprises, the embodiment of the invention solves the problems of low capital turnover rate, insufficient cash flow, easy generation of capital gaps, small and medium enterprises, weak scale and strength, unsound financial systems, insufficient credit, external channel loan, high interest rate, complex flow and the like; for financial institutions, the problems that operation and risk cost is high in aspects of background verification, reliable quality right, cash return control and the like of small and medium-sized micro enterprises, and cost, risk and income of enterprises or platforms in a trade chain are difficult to self-certify, so that the enterprises or platforms in the trade chain develop financial services of a supply chain are difficult to balance are solved; for the core enterprise aspect: the problem that traditional supply chain finance excessively depends on core enterprises is solved, the burden of the core enterprises is reduced, the core enterprises only need to take the role of union owners in supply chain alliances, and supply chain management optimization is done with attentiveness.
According to the supply chain financial service management platform provided by the embodiment of the invention, the enterprise client comprises at least one upstream supply client and at least one downstream distribution client; the upstream supply client sends the goods information to the financing server, so that the financing server forwards the goods information to the downstream distribution client after passing the verification of the data wind control model, and logistics and inventory information is generated; and the downstream distribution client pays the payment of the goods to the financing server, and the financing server forwards the payment to the upstream supply client after passing the verification of the data wind control model, and generates trade information. The logistics, material inventory information and trade information generated in the transaction process are finally stored by the service management end, namely, the logistics, material inventory information and trade information are uploaded to the block chain network and cannot be tampered, so that the service management end can monitor the operation of the enterprise client in real time, update the transaction information, perform risk assessment according to the data wind control model, provide a warning effect for financial institutions providing financing in time, and reduce financing risks of the financial institutions. Meanwhile, the method is beneficial to realizing safe and credible free circulation of business flow, information flow, logistics and fund flow on the chain, and providing real and credible trade data for financial institutions, thereby providing a solid data base for risk decision and solving the mutual trust problem among multiple participants in the finance of the existing supply chain; in addition, for supply chain member enterprises, low-cost and high-quota financial services can be obtained, so that financial services can be provided for more small and medium-sized micro enterprises.
The following is a supply chain financial service management platform provided by a third embodiment of the present invention, which is similar to the above embodiments, and is different therefrom:
in the embodiment of the present invention, the identification information carries private key information.
In the embodiment of the present invention, the private key is essentially an array of 32 bytes, 1 byte is equal to 8-bit binary, and one binary has only two possibilities of 0 or 1, so the total number of the private key is 2^ (8 × 32) ═ 2^256, for example, such a string 5 kyzdeuo 39z3FPrtuX2 qbbwnp 5zTd7yyr2SC1j299sBCnWjss is a private key, and the string can be recognized as the private key as long as the application correctly supports the bitcoin protocol.
In the embodiment of the invention, the generation of the private key can be achieved by randomly selecting 256 bits of 0-2256 numbers and performing SHA256 algorithm (secure spallation algorithm) on the numbers, and the core of the generation is the selection of a random entropy source; if the hexadecimal mark is adopted, the private key displays 64 bits, if the bitcoin is adopted to display the private key, the dumpprivkey can be adopted, the private key can be specifically set according to the actual situation, and the method is not limited here.
The financing server 103 is further configured to generate public key information according to the private key information; financing the enterprise client according to the public key information.
In the embodiment of the present invention, the public key information is generated according to the private key information, and the generated formula is K ═ K × G (K is the private key, G is a discrete constant point, and K is the public key).
In the embodiment of the invention, when the financing server side finances the enterprise client side according to the financing scheme, the financing server side finances the enterprise client side through the service management side, and sends the financing amount and the public key information to the service management side, and the service management side sends the financing amount to the enterprise client side corresponding to the public key information according to the public key information.
The enterprise client 102 is further configured to decrypt public key information according to the private key information; and after the decryption is successful, receiving the fund sent by the financing server.
In the embodiment of the invention, the financing amount is encrypted/verified by the public key information, the matched private key information is needed for decryption/signature, and the enterprise client can obtain the amount sent by the financing server only after decryption is successful.
According to the supply chain financial service management platform provided by the embodiment of the invention, the identification information carries private key information, and the financing server generates public key information according to the private key information; financing the enterprise client according to the public key information; the enterprise client decrypts the public key information according to the private key information; after decryption is successful, receiving funds sent by the financing server; the method is beneficial to realizing safe and credible free circulation of information flow and fund flow on the chain, solves the mutual trust problem among multi-party participants in the existing supply chain finance, and provides powerful guarantee for the financing risk of a financial institution.
Fig. 6 is a schematic structural diagram of a financing server according to a third embodiment of the present invention, and for convenience of description, only the parts related to the third embodiment of the present invention are shown.
In the embodiment of the present invention, the financing server 103 further includes a public key generation module 601 and a financing module 602.
The public key generating module 601 is configured to generate public key information according to the private key information.
In the embodiment of the present invention, the private key is essentially an array of 32 bytes, 1 byte is equal to 8-bit binary, and one binary has only two possibilities of 0 or 1, so the total number of the private key is 2^ (8 × 32) ═ 2^256, for example, such a string 5 kyzdeuo 39z3FPrtuX2 qbbwnp 5zTd7yyr2SC1j299sBCnWjss is a private key, and the string can be recognized as the private key as long as the application correctly supports the bitcoin protocol.
In the embodiment of the invention, the generation of the private key can be achieved by randomly selecting 256 bits of 0-2256 numbers and performing SHA256 algorithm (secure spallation algorithm) on the numbers, and the core of the generation is the selection of a random entropy source; if the hexadecimal mark is adopted, the private key displays 64 bits, if the bitcoin is adopted to display the private key, the dumpprivkey can be adopted, the private key can be specifically set according to the actual situation, and the method is not limited here.
In the embodiment of the present invention, the public key information is generated according to the private key information, and the generated formula is K ═ K × G (K is the private key, G is a discrete constant point, and K is the public key).
The financing module 602 is configured to finance the enterprise client according to the public key information.
In the embodiment of the invention, when the financing server side finances the enterprise client side according to the financing scheme, the financing server side finances the enterprise client side through the service management side, and sends the financing amount and the public key information to the service management side, and the service management side sends the financing amount to the enterprise client side corresponding to the public key information according to the public key information.
Fig. 7 is a schematic structural diagram of a financing server according to a third embodiment of the present invention, and for convenience of description, only the parts related to the third embodiment of the present invention are shown.
In the embodiment of the present invention, the enterprise client 102 further includes a decryption module 701 and a payroll module 702.
The decryption module 701 is configured to decrypt private key information according to the public key information.
In the embodiment of the invention, the financing amount is encrypted/verified by the public key information, and the matched private key information is needed for decryption/signature.
And the fund collection module 702 receives the fund sent by the financing server after the decryption is successful.
It should be understood that, although the respective structures in the structural block diagrams of the embodiments of the present invention are shown in order as indicated by arrows, the structures are not necessarily executed in order as indicated by the arrows. The structures are not limited by the exact order in which they are performed, unless otherwise specified herein, and may be implemented in other structures. Moreover, at least some of the structures in the embodiments may include multiple structures or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-structures or the stages is not necessarily sequential, but may be performed alternately or in turns with other structures or at least some of the sub-structures or stages of other structures.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (10)
1. A supply chain financial service management platform is characterized by comprising a service management end, an enterprise client end and a financing server end, wherein the enterprise client end is in communication connection with the service management end on the basis of a block chain network; the service management terminal stores credit sample data of the financing service terminal;
the service management terminal is used for receiving a financing request sent by an enterprise client, wherein the financing request carries financing information and transaction information of the enterprise client; based on an intelligent wind control technology, constructing a data wind control model according to credit sample data of the financing server; judging whether the financing information and the transaction information of the enterprise client side meet preset credit granting rules or not according to the data wind control model; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, receiving identification information sent by the enterprise client side; sending a financing instruction carrying the identification information to the financing server;
the enterprise client is used for sending a financing request to the service management terminal, and the financing request carries financing information and transaction information of the enterprise client; when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule, sending identification information to the service management side; receiving funds sent by the financing server;
the financing server is used for receiving a financing instruction which carries the identification information by the service management terminal; financing the enterprise client according to the identification information.
2. The supply chain financial service management platform of claim 1, wherein the service management side comprises:
the system comprises a financing request receiving unit, a financing request processing unit and a financing processing unit, wherein the financing request receiving unit is used for receiving a financing request sent by an enterprise client, and the financing request carries financing information and transaction information of the enterprise client;
the wind control model building unit is used for building a data wind control model according to credit sample data of the financing server side based on an intelligent wind control technology;
the judging unit is used for judging whether the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule or not according to the data wind control model;
the identification information receiving unit is used for receiving the identification information sent by the enterprise client when the financing information and the transaction information of the enterprise client accord with a preset credit granting rule; and
and the financing instruction sending unit is used for sending the financing instruction carrying the identification information to the financing server.
3. The supply chain financial services management platform of claim 1, wherein the enterprise client comprises:
a financing request sending unit, configured to send a financing request to the service management end, where the financing request carries financing information and transaction information of the enterprise client;
the identification information sending unit is used for sending identification information to the service management terminal when the financing information and the transaction information of the enterprise client side accord with a preset credit granting rule; and
and the financing unit is used for receiving the fund sent by the financing server.
4. The supply chain financial service management platform of claim 1, wherein the financing service comprises:
a financing instruction receiving unit, configured to receive a financing instruction that carries the identification information at the service management end; and
and the financing unit is used for financing the enterprise client according to the identification information.
5. The supply chain financial service management platform of claim 1, wherein the enterprise clients include at least one upstream supply client and at least one downstream distribution client; the upstream supply client and the downstream distribution client are communicated with the service management terminal through the financing service terminal;
the upstream supply client is used for sending the goods information to the financing server, so that the financing server forwards the goods information to the downstream distribution client after passing the verification of the data wind control model, and logistics and inventory information is generated;
and the downstream distribution client is used for paying the goods payment to the financing server, and after the financing server passes the verification of the data wind control model, the downstream distribution client forwards the goods payment to the upstream supply client and generates trade information.
6. The supply chain financial service management platform of claim 1, wherein the identification information carries private key information;
the financing server is also used for generating public key information according to the private key information; financing the enterprise client according to the public key information;
the enterprise client is also used for decrypting private key information according to the public key information; and after the decryption is successful, receiving the fund sent by the financing server.
7. The supply chain financial service management platform of claim 6, wherein the financing service further comprises:
the public key generating module is used for generating public key information according to the private key information; and
and the financing module is used for financing the enterprise client according to the public key information.
8. The supply chain financial service management platform of claim 6, wherein the enterprise client further comprises:
the decryption module is used for decrypting the public key information according to the private key information; and
and the financing module receives the fund sent by the financing server after the decryption is successful.
9. The supply chain financial service management platform of claim 1, wherein the transaction information includes receivables contract information, pre-paid account contract information, logistics/inventory information, settlement receipt and payment information.
10. The supply chain financial service management platform of claim 1 wherein the financing information includes company information, financing applications, credit applications, and credit applications.
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