CN112102075A - Supply chain finance ecosystem of N + N mode - Google Patents
Supply chain finance ecosystem of N + N mode Download PDFInfo
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- CN112102075A CN112102075A CN202011218464.1A CN202011218464A CN112102075A CN 112102075 A CN112102075 A CN 112102075A CN 202011218464 A CN202011218464 A CN 202011218464A CN 112102075 A CN112102075 A CN 112102075A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses an N + N mode supply chain financial ecosystem. The system comprises a client and a server, wherein the client can be used for registering a user as a merchant and a supplier, and can be used in various service scenes, and a financial institution excavates the traditional folk credit behavior into a new credit service of the financial institution without exchanging the existing credit service of the financial institution; the financial institution can control the risk in the aspect of credit and payment; the system promotes a large number of effective customers for financial institutions, has the advantages of stable deposit sediment and business income, and increases the liquidity of the funds of the merchants by zero loan rate of the merchants; reducing the friction problem with the supplier of accounts receivable due to credit; the advantage that the merchant is prevented from generating impulsive consumption behavior due to excessive mobile funds is achieved. The problem of solving the fund shortage of the suppliers is solved; the goods are taken in time, bad accounts caused by credit are reduced, and account dispute is reduced; and the method helps the suppliers to realize the advantages of thinness, multiple marketing, large industrial scale and the like.
Description
Technical Field
The invention relates to the field of an N + N mode supply chain financial ecosystem, in particular to an N + N mode supply chain financial ecosystem.
Background
Supply chain finance is a professional field of credit business of financial institutions and is also a financing channel of small and medium-sized micro-merchants. Supply chain finance has become an important means for financial institutions such as financial institutions to solve the financing problem of small and medium-sized enterprises.
At present, financial institutions at home and abroad participate in business for providing supply chain financial services at a glance, become the most main participants of supply chain finance, provide financing services for enterprises of the supply chain, and become important holders for financial institutions to innovate service contents and expand service objects. Enterprises have become the most important selling mode through credit sale, merchants on the upstream of a supply chain generally bear the pressure of shortage of cash flow, and a relatively convenient fund source is urgently needed to be found.
The supply chain financial ecological platform is used for creating different supply chain financial application scenes by the financial institution large retail business through scientific scene design and resource integration. The retail business is a pain point of financial institution expansion, because the retail business is small and scattered, the cost performance and price ratio of income and investment of the expanded business is not high, the informatization and scientific investment of the financial institution in the retail business is not large, and the business is slowly occupied by social internet financial institutions and small credit companies, so the financial institution needs to increase the investment in the informatization, scientific and intelligent aspects of the retail business.
The traditional supply chain mainly has the relation of an upstream supply chain and a downstream supply chain which mainly comprise core enterprises, and a large amount of credit situations exist between the upstream supply chain and the downstream supply chain of small and medium-sized enterprises in the society at present. In addition, in the recent years of economic descent, people generally have low loan willingness, and people or enterprises with repayment ability do not like loan and reduce investment, while financial institutions with loan willingness do not dare to loan. The financial platform system of the supply chain is created, small micro-merchants are closely combined with suppliers and financial institutions, and customers are developed into effective customers of the financial institutions, so that a supply chain financial ecological operation system taking the financial institutions as a core is formed.
Disclosure of Invention
The invention aims to provide an N + N mode supply chain financial ecosystem aiming at the defects in the prior art.
In order to achieve the purpose, the invention provides an N + N mode supply chain financial ecosystem, which comprises a client and a server;
the client is used for a user to enter registration information, and for the user to select roles and enter corresponding role information, wherein the roles comprise merchants and suppliers, and the role information comprises user personal information, shop information and financial institution account information;
the server comprises a wind control unit, a customer management unit, a blacklist management unit, a loan management unit and a transaction management unit, wherein the wind control unit quantitatively considers fraud risk and comprehensive strength of a user based on registration information, role information and big data input by the user and determines whether to allow access according to the considered result, the customer management unit is used for uniformly managing platform merchants and suppliers, the blacklist management unit is used for managing merchants and suppliers with abnormal or losing credit behaviors and putting in a blacklist, the loan management unit is used for granting access to the merchants who are granted access, and the credit line takes effect after signing a loan contract and a user acceptance book;
the client is also used for initiating transaction by a merchant through scanning a transaction code of a provider and generating transaction request information, the wind control unit performs transaction wind control analysis according to the transaction request information, if the transaction wind control analysis is passed, a user inputs a payment password through the client, the transaction management unit performs settlement according to the transaction request information and the payment information, the amount related to the transaction is paid to the account of the provider in a payment mode of an account financial institution of a trusted merchant, and if the transaction wind control analysis is not passed, the transaction is prohibited;
the client is also used for the merchant to inquire the current used loan amount and execute the advance repayment operation and for the supplier to inquire the transaction record, the financial institution automatically initiates a batch deduction when the loan is due, and the loan management unit completes the repayment according to the advance repayment operation and the batch deduction initiated by the financial institution.
Further, the transaction request information includes shop information of merchants and suppliers, and the wind control unit determines whether the merchants and the suppliers participating in the transaction are registered and allowed merchants and suppliers through the shop information, if yes, the next transaction operation is allowed, otherwise, the transaction is prohibited.
Further, the transaction request information further comprises transaction time, transaction amount, transaction location and range, the wind control unit analyzes the transaction rules based on the past transaction time, transaction amount, transaction location and range, the wind control unit generates a transaction wind control threshold according to the transaction rules, and generates a transaction risk value according to the transaction time, transaction amount, transaction location and range of the current transaction, and if the transaction risk value exceeds the transaction wind control threshold, the transaction is prohibited.
Further, the server further comprises an early warning unit, and the early warning unit is used for sending the record of the transaction exceeding the transaction wind control threshold value to a designated supervisor.
Further, the transaction management unit is associated with an internal account, extracts the fee according to a set proportion of the transaction amount during clearing, and remits the extraction fee to the internal account and remits the transaction amount with the extraction fee deducted to the account of the supplier; the loan management unit is further used for calculating the interest to be paid according to the used loan amount, and the interest to be paid is subsidized to the account of the merchant through the internal account.
Further, the pneumatic control unit is further used for setting a payment overdue threshold, and the early warning unit is further used for sending payment urging information to a client of a merchant and sending merchant information exceeding the payment overdue threshold to a designated supervisor.
Further, the transaction management unit is further configured to feed back the credit line which is controlled to take effect to the client for display, update the balance of the credit line according to the transaction result, and feed back the updated balance of the credit line to the client for display.
Further, the transaction code includes a transaction dynamic code formed by the transaction management unit for vendor registration.
Further, the server further comprises a blacklist management unit, and the blacklist management unit is used for managing and storing the merchants and the suppliers which generate abnormal or distrusted behaviors into a blacklist.
Has the advantages that: the invention can be used in various service scenes to realize an 'N + N' brand-new supply chain mode of a 'coreless enterprise', namely: unlike the traditional supply chain system which constructs a 1+ N supply chain system through a core enterprise and upstream and downstream thereof, the system constructs a many-to-many supply chain relationship through the merchant end and the provider end of the industry, does not have a one-to-one corresponding supply relationship with each other, is similar to the business state relationship of B2B, and breaks through the one-to-one corresponding supply chain relationship between the traditional supply chain core enterprise and the upstream and downstream enterprises. The method obtains value through commodity trade circulation, enlarges the service range through financial services, and subsidizes the financial services. The invention has great advantages for financial institution parties, merchants and suppliers, and specifically comprises the following steps:
the method has the following advantages for financial institutions:
(1) traditional folk credit behavior is mined as a new business of a financial institution, and the existing credit business of the financial institution is not squeezed;
(2) the financial institution can control the risk in the aspect of credit and payment;
(3) the system facilitates a large number of valid accounts for financial institutions, as well as stable deposit deposits and operating revenues.
The method has the following advantages for small and medium merchants:
(1) the liquidity of the merchant funds is increased;
(2) reducing the friction problem with the supplier of accounts receivable due to credit;
(3) the special money is special, and the impulse consumption behavior of the merchant caused by excessive mobile funds is prevented.
The following advantages are provided to the supplier:
(1) the T +0 supplier fund receipt service solves the problem of fund shortage of the supplier, and the supplier can receive the payment in real time;
(2) the supplier timely takes the goods money, bad accounts caused by credit are reduced, and account disputes are reduced;
(3) and the method helps suppliers to realize thin profit and multiple sales, and enlarges the industrial scale.
Drawings
FIG. 1 is a schematic diagram illustrating a trust process of an N + N-mode supply chain financial ecosystem according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a trust flow for an N + N model supply chain financial ecosystem, in accordance with an embodiment of the invention;
FIG. 3 is a schematic diagram of a repayment process of an N + N model supply chain financial ecosystem according to an embodiment of the invention.
Detailed Description
The present invention will be further illustrated with reference to the accompanying drawings and specific examples, which are carried out on the premise of the technical solution of the present invention, and it should be understood that these examples are only for illustrating the present invention and are not intended to limit the scope of the present invention.
With reference to fig. 1 to 3, an embodiment of the present invention provides an N + N mode supply chain financial ecosystem, including a client and a server.
Referring to fig. 1, the client is used for a user to perform a piece feeding operation, the piece feeding operation can be performed by pushing personnel to perform drainage, the user can push an order receiving code provided by the personnel by scanning or download a client APP by oneself, then the piece feeding operation is performed, the piece feeding operation includes entering registration information, mobile phone number registration is generally adopted, and the next link can be entered after the authentication code sent to the mobile phone number by the server is received by the client. The method further comprises selecting roles and entering corresponding role information, wherein the roles comprise merchants (buyers) and providers (suppliers), and it should be noted that if a certain user is a merchant and a provider, the user needs to register as a merchant and a provider respectively by using a mobile phone number. The role information comprises user personal information, shop information and account information of financial institutions, and the financial institutions comprise banks and other units. The user personal information comprises an identity card number, a name and the like, and is verified by uploading an identity card image and face information, and the user personal information also comprises information of emergency contacts. The shop information includes the shop name, the name of the person in charge, the business address and the business year, and is verified by uploading a business license.
The server package is used for performing online credit granting according to information input by the piece feeding operation, and specifically comprises a wind control unit, a customer management unit, a loan management unit and a transaction management unit. The wind control unit quantitatively considers the fraud risk and the comprehensive strength of the user based on the registration information, the role information and the big data input by the user. Specifically, the method comprises inline pre-admission interception, credit investigation and admission interception, and whether the registered mobile phone number is in a real name system or not can be judged according to the registration information. According to the role information, the age of the user, whether the identity card of the user is consistent with the legal person of the shop or not, whether the shop is real or not and the like can be determined. In addition, four-factor verification and the like can be carried out on account information of the financial institution, if the registration information and the role information meet requirements, in-line pre-admission interception can be carried out through big data, and items for in-line pre-admission interception can comprise the following items:
1. complaint information interception
2. Public security bad information interception
3. Credit system blacklist interception
4. The applicant has guarantee of overdue and arrestment behavior interception in the row
5. The applicant reserves the interception of returning to old or developing period by new
6. There is outstanding overdue, debt, loan and return or on-date loan interception in the line
7. Non-pledge or non-mortgage unclosed services in a row
8. Red early warning customer interception
9. Intercepting at age less than 20 years old or more than 57 years old
10. Restricted people list interception
It should be noted that the items of the pre-admission interception can be flexibly configured according to actual needs, and if the items are not related to the big data of the user, credit investigation and admission interception can be further performed, for example, a user who has the following problems can be intercepted:
1. the number of times of credit investigation records in the last year exceeds 5,
2. The number of times of credit investigation and record in last half year exceeds 3
3. The loan is approved and the balance of the loan is more than 0
4. A foreign vouching balance of greater than 400000
5. The longest overdue month of the credit card is greater than or equal to 2
6. Loan with five classification as abnormal
7. The ratio of the credit used by the cards in nearly six months to the total credit is more than 0.9
8. The number of open account is more than 0
9. The current overdue amount of the loan is more than 0
10. The number of times of recording performed by the person who loses confidence is more than 0
11. The current overdue amount of credit card is greater than 0 yuan
12. External warranty classified as abnormal by five levels
13. Various overdue records with continuous overdue times more than 2
14. Applicant has a loan balance above 4 (inclusive) lines
15. The overdue records are accumulated for more than 3 times
16. The sum of all loan balances and credit card use limit is more than 2000000 yuan
And the registration information and the role information are in composite requirements, and the big data does not have corresponding interception items, the wind control unit is allowed to be admitted, otherwise, the admission is not allowed. It should be noted that the above interception items and their parameters can be flexibly selected and configured according to actual needs.
The customer management unit is used for uniformly managing platform merchants and suppliers, wherein the platform merchants and the suppliers are merchants and suppliers which are allowed to be admitted.
The loan management unit is used for granting credit and admitting to the merchant to which the loan is admitted, and the credit line takes effect after the loan contract and the user's commitment book are signed. The credit line may be a fixed amount at all times or may change according to the later use.
Referring to fig. 2, the server may also perform transaction monitoring on a transaction initiated by the client, and the user may initiate a transaction by scanning a transaction code of the provider through the client, where the transaction code includes a transaction dynamic code formed by the transaction management unit for registration with the provider. The client generates transaction request information and sends the transaction request information to the server, the wind control unit conducts transaction wind control analysis according to the transaction request information, and if the transaction wind control analysis is passed, the user inputs a payment password through the client. The transaction management unit performs clearing according to the transaction request information and the payment information, and the amount related to the transaction is paid to the account of the provider in a payment mode of the account financial institution of the trusted merchant. Therefore, the merchant can pay the loan from the financial institution to the corresponding supplier according to the actual expenditure, and the merchant cannot use the loan, thereby realizing the special payment. And if the transaction wind control analysis is not passed, the transaction is forbidden. It should be noted that if the amount of money involved in the transaction is greater than the remaining credit balance, the transaction is also prohibited.
Referring to fig. 3, the merchant may also query the current used loan amount and perform an advance payment operation through the client, the supplier may query the transaction record through the client, and the loan management unit completes the payment according to the advance payment operation. The financial institution can also set automatic repayment information for each loan, the automatic repayment information comprises automatic repayment date and the like, when the set automatic repayment date is reached, the financial institution automatically initiates a batch deduction, the loan management unit completes repayment according to the batch deduction initiated by the financial institution, and if sufficient deposit is available on the account of the merchant, the repayment is directly deducted.
The transaction request information of the embodiment of the invention comprises shop information of merchants and suppliers, and the wind control unit judges whether the merchants and the suppliers participating in the transaction are registered and admitted merchants and suppliers or not according to the shop information, if yes, the next transaction operation is allowed, and if not, the transaction is forbidden.
In order to further carry out risk control on the transaction, the transaction request information of the embodiment of the invention further comprises transaction time, transaction amount, transaction location and range, the wind control unit analyzes the transaction rule based on the previous transaction time, transaction amount, transaction location and range, the wind control unit generates a transaction wind control threshold according to the transaction rule and generates a transaction risk value according to the current transaction information, and if the current transaction risk value exceeds the transaction wind control threshold, the transaction is forbidden. For example, the past transaction rule of a certain merchant is that commodities of certain suppliers are generally purchased at a certain place at 5-6 am, the total transaction amount is generally 2000-3000 yuan in the time period, the transaction time of a certain day suddenly deviates from the past transaction time or transaction place or transaction amount is too large, for example, 8000 yuan is transacted at other places which are not visited at 2 am, when the transaction wind control threshold is exceeded, the transaction is not allowed, and the loan is prevented from being maliciously used for other purposes. The specific configuration can be set according to actual needs, and generally speaking, the larger the deviation between the transaction time, the transaction amount, the transaction place and range and the transaction rule is, the higher the risk value is.
The server also comprises an early warning unit, and the early warning unit is used for sending the records of the transactions exceeding the transaction wind control threshold value to a specified supervisor. The sending mode can be that the information is sent to a mobile phone of a supervisor through a short message, the supervisor can be a related customer manager in a financial institution, and the merchants generating early warning can be checked by the customer manager.
The transaction management unit is also associated with an internal account, namely an account of a system developer, extracts the transaction amount according to a set proportion, for example, according to 2%, the extraction fee is used as a service fee for using the system, therefore, the transaction amount is divided into two parts, one part is a part for deducting the extraction fee from the transaction amount, the other part is the extraction fee, and the transaction management unit remits the extraction fee to the internal account and remits the part for deducting the extraction fee to an account of a dealer. And when repayment is carried out, the loan management unit is also used for calculating the interest to be paid according to the used loan amount, and the interest to be paid is subsidized to the account of the merchant from the internal account. The loan management unit then completes the repayment operation with the amount of the used loan to be returned and the interest to be returned.
The wind control unit is further used for setting a payment overdue threshold value, when the loan is overdue and is not yet left, the early warning unit is further used for sending payment urging information to a client of a merchant to remind the merchant of timely payment, and in addition, the early warning unit is further used for sending the merchant information exceeding the payment overdue threshold value to a specified supervisor, so that the supervisor can conduct on-site investigation and collection urging. In addition, if the merchant is overdue and not available, the credit line of the merchant can be immediately frozen and cannot be used continuously, and the line is released after the merchant returns.
During the use, the server can perform credit utilization processing in real time, such as monitoring credit utilization amount, carrying out credit utilization wind control, recording credit utilization and the like. In order to enable the merchant to know the credit line of the merchant clearly, the transaction management unit is further used for feeding back the credit line which is controlled to be effective to the client for display, updating the balance of the credit line according to the transaction result and feeding back the updated balance of the credit line to the client for display.
The server also comprises a blacklist management unit which is used for managing and storing the merchants and the suppliers which generate abnormal or distrusted behaviors into a blacklist, and for the merchants and the suppliers which are listed in the blacklist, the functions of loan and payment can not be continuously used.
The transaction management module is further used for generating a transaction bill according to the completed transaction, similarly, the financial institution can also generate an actual transaction bill according to the actually completed transaction, the server can further comprise a bill checking module, the bill checking module is used for obtaining the transaction bill generated by the transaction management module and comparing the actual transaction bill, the general account or each account can be compared according to days or months, and manual checking is prompted for the bill with problems.
The service mode of the supply chain can realize diversified and various service scenes, such as a catering supply chain scene, a truck refueling supply chain scene, a beauty supply chain scene, a home decoration supply chain scene and the like. The invention has great advantages for financial institution parties, merchants and suppliers.
The method has the following advantages for financial institutions:
(1) traditional folk credit behavior is mined as a new business of a financial institution, and the existing credit business of the financial institution is not squeezed;
(2) the financial institution can control the risk in the aspect of credit and payment;
(3) the system fosters a large number of valid accounts for financial institutions, as well as stable deposit deposits and operating revenues.
The method has the following advantages for small and medium merchants:
(1) the liquidity of the merchant funds is increased;
(2) reducing the friction problem with the supplier of accounts receivable due to credit;
(3) the special money is special, and the impulse consumption behavior of the merchant caused by excessive mobile funds is prevented.
The following advantages are provided to the supplier:
(1) the T +0 supplier fund receipt service solves the problem of fund shortage of the supplier, and the supplier can receive the loan in real time;
(2) bad accounts caused by credit are reduced, and account disputes are reduced;
(3) and the method helps suppliers to realize thin profit and multiple sales, and enlarges the industrial scale.
Therefore, the invention creates a plurality of financial ecological scenes of the retail supply chain through scientific design and resource integration, exploits the civil recessive loan demand, ensures the special fund special purpose through the scene use of the loan, and ensures that the financial institution dares to release the loan. Meanwhile, through scene design and resource integration, a platform can be used for collecting a certain service fee of a supplier during operation to cover the multi-win situation of loan interest, interest exemption of a borrower and normal interest receiving of a financial institution.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that other parts not specifically described are within the prior art or common general knowledge to those of ordinary skill in the art. Without departing from the principle of the invention, several improvements and modifications can be made, and these improvements and modifications should also be construed as the scope of the invention.
Claims (9)
1. An N + N mode supply chain financial ecosystem is characterized by comprising a client and a server;
the client is used for a user to enter registration information, and for the user to select roles and enter corresponding role information, wherein the roles comprise merchants and suppliers, and the role information comprises user personal information, shop information and financial institution account information;
the server comprises a wind control unit, a client management unit, a loan management unit and a transaction management unit, wherein the wind control unit quantifies fraud risk and comprehensive strength of a user based on registration information, role information and big data input by the user and determines whether to allow the user to access according to the consideration result, the client management unit is used for uniformly managing platform merchants and suppliers, the loan management unit is used for granting credit to the merchants allowed to access, and the credit limit takes effect after signing a loan contract and a user commitment;
the client is also used for initiating transaction by a merchant through scanning a transaction code of a provider and generating transaction request information, the wind control unit performs transaction wind control analysis according to the transaction request information, if the transaction wind control analysis is passed, a user inputs a payment password through the client, the transaction management unit performs settlement according to the transaction request information and the payment information, the amount related to the transaction is paid to the account of the provider in a payment mode of an account financial institution of a trusted merchant, and if the transaction wind control analysis is not passed, the transaction is prohibited;
the client is also used for the merchant to inquire the current used loan amount and execute the advance repayment operation and for the supplier to inquire the transaction record, the financial institution automatically initiates a batch deduction when the loan is due, and the loan management unit completes the repayment according to the advance repayment operation and the batch deduction initiated by the financial institution.
2. The N + N model supply chain financial ecosystem of claim 1, wherein the transaction request information includes merchant and supplier store information, the wind control unit determines whether the merchant and supplier participating in the transaction are registered and allowed merchants and suppliers through the store information, if yes, the next transaction operation is allowed, otherwise, the transaction is prohibited.
3. The N + N-mode supply chain financial ecosystem of claim 2, wherein the transaction request information further includes transaction time, transaction amount, and transaction location and range, the wind control unit analyzes transaction rules based on past transaction time, transaction amount, and transaction location and range, the wind control unit generates a transaction wind control threshold according to the transaction rules, and generates a transaction risk value according to the transaction time, transaction amount, and transaction location and range of the current transaction, and if the transaction risk value exceeds the transaction wind control threshold, the transaction is prohibited.
4. The N + N mode supply chain financial ecosystem of claim 3, wherein the server further comprises an early warning unit to send a record of transactions that exceed a transaction wind threshold to designated supervisors.
5. The N + N model supply chain financial ecosystem of claim 3, wherein the transaction management unit is associated with an internal account that draws the transaction amount in a set proportion of the withdrawal fee when clearing, the transaction management unit draws the withdrawal fee to the internal account, and draws the transaction amount with the withdrawal fee deducted to the account of the supplier; the loan management unit is further used for calculating the interest to be paid according to the used loan amount, and the interest to be paid is subsidized to the account of the merchant through the internal account.
6. The N + N mode supply chain financial ecosystem of claim 4, wherein the wind control unit is further configured to set an overdue payment threshold, and the early warning unit is further configured to send payment urging information to a client of a merchant, and send merchant information exceeding the overdue payment threshold to a designated supervisor.
7. The N + N model supply chain financial ecosystem of claim 1, wherein the transaction management unit is further configured to feed back the credit line for controlling to be valid to the client for display, update the balance of the credit line according to the transaction result, and feed back the updated balance of the credit line to the client for display.
8. The N + N schema supply chain financial ecosystem of claim 1, wherein the transaction code comprises a transaction dynamic code formed by the transaction management unit registering for the vendor.
9. The N + N schema supply chain financial ecosystem of claim 1, wherein the server further comprises a blacklist management unit to manage and blacklist merchants and suppliers that produce abnormal or distrusted behavior.
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| CN202011218464.1A CN112102075A (en) | 2020-11-04 | 2020-11-04 | Supply chain finance ecosystem of N + N mode |
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| CN202011218464.1A CN112102075A (en) | 2020-11-04 | 2020-11-04 | Supply chain finance ecosystem of N + N mode |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106157136A (en) * | 2016-08-30 | 2016-11-23 | 北京蜂向信息科技有限公司 | A kind of supply chain financial service management system and method |
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| CN110648216A (en) * | 2019-09-03 | 2020-01-03 | 中国建设银行股份有限公司 | Wind control method and device |
| CN111127197A (en) * | 2019-12-31 | 2020-05-08 | 南京币鑫数据科技有限公司 | Foreign trade supply chain financial risk control method |
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2020
- 2020-11-04 CN CN202011218464.1A patent/CN112102075A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106157136A (en) * | 2016-08-30 | 2016-11-23 | 北京蜂向信息科技有限公司 | A kind of supply chain financial service management system and method |
| CN109615511A (en) * | 2019-01-07 | 2019-04-12 | 北京锐融天下科技股份有限公司 | A kind of supply chain banking software system and method |
| CN110610427A (en) * | 2019-08-21 | 2019-12-24 | 重庆魏桥金融保理有限公司 | Financial management system and method based on real supply chain |
| CN110648216A (en) * | 2019-09-03 | 2020-01-03 | 中国建设银行股份有限公司 | Wind control method and device |
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