CN113657356B - Asset securitization system, method and storage medium based on business ticket - Google Patents
Asset securitization system, method and storage medium based on business ticket Download PDFInfo
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- CN113657356B CN113657356B CN202111222042.6A CN202111222042A CN113657356B CN 113657356 B CN113657356 B CN 113657356B CN 202111222042 A CN202111222042 A CN 202111222042A CN 113657356 B CN113657356 B CN 113657356B
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Abstract
The present application relates to a system, a method, a computer device and a storage medium for securities based on merchant tickets, the system for securities comprising: the system comprises a business ticket circle, a storage and support mechanism and an asset custody mechanism, wherein the storage and support mechanism is based on a supply chain ticket system and a standardized ticket storage and support system of the business ticket circle, matches a financer list for an asset pool through the storage and support mechanism, sends an application link to a financer according to the financer name, obtains an application material uploaded by the financer through the application link through the storage and support mechanism, verifies the application material, creates a ticket plan through the storage and support mechanism when the verification is passed, and issues the ticket plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the ticket plan. Therefore, the assets securitization is automatically realized, and the problems of large consumption of manpower and material resources, risk increase, information leakage and the like in the prior art are solved.
Description
Technical Field
The application relates to the technical field of science and technology finance, in particular to an asset securitization system and method based on a business ticket, computer equipment and a storage medium.
Background
In the prior art, the bearer with the motive force to operate the ticket ABS has insufficient credit by itself to obtain direct financing in the capital market, and the bearer lacks a financing channel to the capital market, particularly the monetary market. In addition, the business is much involved by human, and many violation events and operation risks exist. While the bill business creates a great deal of liquidity, the related market is easy to propagate illegal operations or user fraud. Many manual processing links are involved in the specific operation process, so that the service cost is greatly increased, and errors are easy to occur. In the field of user identity recognition, efficient interaction of user data among different mechanisms is difficult to realize, so that repeated authentication cost is high, and the risk that the user identity is revealed by some intermediary mechanisms is indirectly brought.
In conclusion, the prior art has the problems of large consumption of manpower and material resources, increased risk, information leakage and the like.
Disclosure of Invention
In view of the above, there is a need to provide a system, method, computer device and storage medium for ticketing-based asset securitization.
In a first aspect, there is provided a merchant-ticket based asset securitization system, the asset securitization system comprising: a business ticket ring, a storage and support mechanism and an asset custody mechanism; the support storing mechanism depends on a supply chain bill system and a standardized bill support storing system of the business bill circle;
the storage and support mechanism matches a financer list for an asset pool and sends an application link to a financer according to the financer name;
the storage and support mechanism acquires the application materials uploaded by the financers through the application links and audits the application materials;
and when the examination is passed, the ticket booking mechanism creates a ticket booking plan and issues the ticket booking plan to the asset custody mechanism, and the asset custody mechanism deposits money according to the ticket booking plan.
In one embodiment, the hosting mechanism matches a list of financers for an asset pool, and sends an application link to a financer according to the name of the financer, including:
creating the asset pool and acquiring a financer list through the storage and support mechanism;
matching the asset pool with a financer list through the storage and support mechanism, and sending an application link to a financer according to the financer name.
In one embodiment, the application material includes qualification material and trade material.
In one embodiment, the application material is audited, comprising:
and auditing the qualification materials, and if the audit is passed, auditing the trade materials.
In one embodiment, when the audit is passed, the escrow mechanism creates a bidding plan and issues the bidding plan to the asset custody mechanism, and the asset custody mechanism deposits money according to the bidding plan includes:
when the trade material is approved, putting the remittance of the financer into the asset pool, and creating the bidding plan;
sending a ticket marking plan creating completion instruction to the business ticket circle through the storage and support mechanism;
sending a trusteeship depositing protocol to the financers through the business ticket circle, and acquiring the trusteeship depositing protocol and the bill endorsement transfer signed by the financers through a trusteeship depositing mechanism;
the storage and support mechanism is used for auditing the endorsement transfer of the ticket, and when the auditing is passed and the issuing confirmation of the bidding ticket plan is carried out, the bidding ticket plan is issued to the asset storage mechanism;
and paying out according to the ticket marking plan through the asset custody mechanism.
In one embodiment, the asset securitization system further comprises an authentication module;
and after one side sends an application link to a financer according to the financer name, if the financer is not authenticated in the business ticket circle, the authentication is carried out through the authentication module.
In a second aspect, there is provided a merchant-ticket based asset securitization method, the asset securitization method comprising:
matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and when the examination is passed, creating a bidding document plan through the support storage mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan.
In one embodiment, the obtaining, by the hosting mechanism, the application material uploaded by the financer through the application link further includes:
and if the financer is not authenticated in the business ticket circle, performing identity authentication.
In a third aspect, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the following steps are implemented:
matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and when the examination is passed, creating a bidding document plan through the support storage mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan.
In a fourth aspect, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:
matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and when the examination is passed, creating a bidding document plan through the support storage mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan.
The above-mentioned asset securitization system, method, computer device and storage medium based on the merchant ticket, the asset securitization system includes: the system comprises a business ticket circle, a storage and support mechanism and an asset custody mechanism, wherein the storage and support mechanism is based on a supply chain ticket system and a standardized ticket storage and support system of the business ticket circle, matches a financer list for an asset pool through the storage and support mechanism, sends an application link to a financer according to the financer name, obtains an application material uploaded by the financer through the application link through the storage and support mechanism, verifies the application material, creates a ticket plan through the storage and support mechanism when the verification is passed, and issues the ticket plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the ticket plan. Therefore, the assets securitization is automatically realized, and the problems of large consumption of manpower and material resources, risk increase, information leakage and the like in the prior art are solved.
Drawings
FIG. 1 is a block diagram of a merchant ticket-based asset securitization system in one embodiment.
FIG. 2 is a flow diagram that illustrates a method for ticketed-based asset securitization, under an embodiment.
FIG. 3 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application 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 present application and are not intended to limit the present application.
In one embodiment, as shown in FIG. 1, there is provided a merchant-ticket based asset securitization system comprising: a business ticket ring, a storage and support mechanism and an asset custody mechanism; the support storing mechanism depends on a supply chain bill system and a standardized bill support storing system of the business bill circle;
the storage and support mechanism matches a financer list for an asset pool and sends an application link to a financer according to the financer name;
the storage and support mechanism acquires the application materials uploaded by the financers through the application links and audits the application materials;
and when the examination is passed, the ticket booking mechanism creates a ticket booking plan and issues the ticket booking plan to the asset custody mechanism, and the asset custody mechanism deposits money according to the ticket booking plan.
In the embodiment of the invention, the main participants of the asset securitization of the ticket mainly comprise a ticket holder (namely an financing party), a merchant ticket circle, a depositing and trusting mechanism, an asset custody mechanism, an investor and the like.
The ticket holder refers to an organization which holds basic assets meeting the requirements of standardized tickets and declares success.
The business ticket circle is positioned as a B2B ticket information matching platform. The business mode of the business ticket circle is 'Internet + supply chain finance', the financing party is directly connected with the fund party by matching (holding the ticket), the information asymmetry is reduced, the financing cost is reduced, the safe and efficient financing of the fund is realized, and the market pain point that small and medium-sized enterprises on the upstream and downstream of the industry chain are difficult to finance and expensive to finance is solved. The platform is focused on supply chain financial assets represented by commercial bills, practices the mission of 'making enterprise financing simpler', and constructs an intelligent supply chain financial ecosystem.
The storage and support mechanism is a mechanism for providing basic asset collection, management, creation and information service for standardized bills. Meanwhile, the deposit and support mechanism has the responsibility of bill examination, risk disclosure and assistance of pursuit. From the released fourth generation products, the depository institutions are Shanghai ticket houses, while the depository institutions are required to be commercial banks and security companies familiar with ticket and bond market business in the management. In the issued product creation bulletin, it is emphasized that the "depository institution does not assume any product-related redemption responsibility or warranty responsibility. "
The asset custody organization is a financial organization that is entrusted by the depository organization and takes charge of collecting the basic assets, but the depository organization may collect the basic assets by itself.
The asset pool is mainly used for managing assets submitted by clients and comprises asset pool basic information established at the early stage; the asset service organization can see the information of all assets at a glance; the pool of assets can be reused and assets can be grouped to distinguish assets of different dimensions.
The above-mentioned asset securitization system includes: the system comprises a business ticket circle, a storage and support mechanism and an asset custody mechanism, wherein the storage and support mechanism is based on a supply chain ticket system and a standardized ticket storage and support system of the business ticket circle, matches a financer list for an asset pool through the storage and support mechanism, sends an application link to a financer according to the financer name, obtains an application material uploaded by the financer through the application link through the storage and support mechanism, verifies the application material, creates a ticket plan through the storage and support mechanism when the verification is passed, and issues the ticket plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the ticket plan. Therefore, the assets securitization is automatically realized, and the problems of large consumption of manpower and material resources, risk increase, information leakage and the like in the prior art are solved.
Optionally, the hosting mechanism matches a financer list for the asset pool, and sends an application link to the financer according to the financer name, including:
creating the asset pool and acquiring a financer list through the storage and support mechanism;
matching the asset pool with a financer list through the storage and support mechanism, and sending an application link to a financer according to the financer name.
In the embodiment of the invention, the depository mechanism creates the asset pool, configures information including configuration acceptors, core enterprises, asset service mechanisms, submitted information and the like according to the asset plan, and stores the asset pool after the configuration information is verified to be correct. And then, importing the financer list through the core enterprise, importing the financer list to a storage and support mechanism, matching the financer list for the asset pool by the storage and support mechanism, and sending an application link to the financers according to the names of the financers.
In an embodiment of the present invention, the submission data includes a base asset file, and the collecting and transferring of the base asset file includes: collecting basic asset files of target accounts receivable debts, including but not limited to subject data, accounts receivable debts files and the like; providing the basic asset files to the special plan participation organizations of the series, such as an asset service organization, an asset auditing organization, a plan manager, a law firm and the like; and opening an electronic platform system access account for the participating organization, so that the organization can conveniently access the electronic platform system to audit and manage the basic asset files.
Optionally, the asset securitization system further comprises an authentication module;
and after one side sends an application link to a financer according to the financer name, if the financer is not authenticated in the business ticket circle, the authentication is carried out through the authentication module.
In the embodiment of the invention, after the application link is sent to the financer, if the financer is not authenticated in the business ticket circle, the real-name authentication of the user is carried out through the authentication module. In this case, a function of personal authentication or business authentication of the e-signer is cited.
The personal authentication method is mainly face recognition (face brushing authentication). The face recognition process comprises the following steps: creating a personal account through an interface [ create personal account ]; calling an interface (initiating personal face brushing real-name authentication) to obtain an authentication link; the enterprise developer embeds the authentication link for authentication; when the authentication process is successfully finished or fails, the e signatory authentication service sends asynchronous notification to a calling party through a notifyUrl parameter specified when the process is initiated, and meanwhile, a developer can poll, inquire and refresh the face result through an interface (inquiring personal face refreshing state) and acquire a real-name authentication state through an interface (inquiring authentication information).
The face recognition authentication is based on living body detection (preventing various types of attacks such as photos, videos, static 3D modeling and the like), 1:1 face comparison AI technology and the like, and is compared with an authoritative public security library data source to ensure the real identity of a natural person, so that the face recognition authentication method is high in safety and reliability. The face recognition authentication needs to hold a Chinese mainland identity card, and the verification of two personal factors (name and identity card number) is needed before the face recognition of other certificates, so that various face recognition modes can be supported according to different scenes.
The face recognition mode can comprise face recognition of a pay bank and face recognition of Tencent cloud. The face recognition of the payment bank is that the PC terminal scans the two-dimensional code by using the payment bank app; the mobile terminal can automatically call the Payment app; carrying out face recognition according to action prompt and blinking operation; and finishing face brushing authentication of the payment instrument, and returning to the PC end to check an authentication result. Tencent cloud face recognition is to scan the two-dimensional code by using WeChat app; the mobile terminal is automatically called; recording and uploading a plurality of blink videos according to the prompt; and finishing Tencent cloud face-brushing authentication, and returning to the PC side to check an authentication result.
The enterprise authentication mode mainly comprises legal representative authentication and public fund making authentication. The legal representative authentication process comprises the following steps: create organization account the interface creates an organization account (enterprise account) first; and calling an interface (initiating enterprise real-name authentication 4 element verification), if the transmitted account id information of the agent is consistent with the legal representative name and the certificate number in the enterprise account id (the account id of the agent needs to be authenticated by a personal real-name authentication mode), judging that the current agent is the legal representative by the system, and directly finishing the enterprise real-name authentication.
The public money printing authentication process comprises the following steps: create organization account the interface creates an organization account (enterprise account) first; calling an interface (initiating enterprise real name authentication 4 element verification) or an interface (initiating enterprise real name authentication 3 element verification) to verify the lower enterprise basic information, and returning the flowId after verification is successful; the interface is subjected to fuzzy inquiry to obtain information such as a link number and the like according to the [ inquiry and payment bank information ]; the first method is as follows: an organization can initiate a public account number to be paid through an e-signoff platform, the money amount is random between 0 and 1 yuan, and an enterprise developer needs to call an interface (initiating random money amount payment authentication) to initiate public payment authentication to realize the step; the second method comprises the following steps: an organization can also realize the real-name authentication of the organization by paying money to the e-signatory platform, and a developer needs to call an interface (initiating enterprise reverse payment authentication) to acquire the information of a public account number and a payment amount of the e-signatory platform, and then pay off line; the time of the payment to account is based on the time of the bank to account, the time of the payment to account is 1-3 working days, if the payment mode of the enterprise to the public account number is performed through the e-labo platform, an interface (inquiring random amount payment progress) can be called to poll to acquire the payment progress; if the e-labo platform is debited by an enterprise, polling an interface (inquiring reverse debiting progress) to obtain the debiting progress, and debiting the debited funds to finish the real-name authentication of the organization; if the mode of money printing on the public account number by the enterprise is carried out through the e-labo platform, the money printing amount is backfilled after the money printing is confirmed to be received, the real-name authentication of the organization can be completed, and the step is realized by an enterprise developer through a [ random amount check ] interface; when the authentication process is successfully ended or fails, the e-signatory authentication service sends an asynchronous notification to a calling party through a notifyUrl parameter specified when the process is initiated, and can actively acquire a real-name authentication state through interface polling (inquiring authentication information).
After authentication, electronic signature application and online electronic signing are required to be carried out, including personal signature application.
Optionally, the application material includes qualification material and trade material. And auditing the application materials, including:
and auditing the qualification materials, and if the audit is passed, auditing the trade materials.
In the embodiment of the invention, the qualification materials are audited, if the audit is not passed, the audit is returned, the financers are informed to resubmit the qualification materials, if the qualification materials are audited, the trade materials are initially audited, if the initial audit is not passed, the audit is returned, the financers are informed to resubmit the trade materials, if the initial audit is passed, the trade materials are reviewed, if the review is not passed, the audit is returned, the financers are informed to resubmit the trade materials, if the review is passed, the remittance of the financers is put into the asset pool, and a bidding plan is created.
The assets which pass the examination and verification can be issued when the assets reach a certain number, and a ticket planning needs to be created before the assets are issued; the creation of a ticketing plan requires the configuration of plan basis information, and participating institutions, and the addition of assets that meet the conditions of issuance.
The trade material comprises an invoice, the invoice is verified mainly by calling a third-party service, and the authenticity and the validity of the invoice are verified by introducing an invoice code and an invoice number, so that the invoice can be verified by 100%.
Optionally, when the verification passes, the escrow mechanism creates a bidding plan and issues the bidding plan to the asset custody mechanism, and the depositing by the asset custody mechanism according to the bidding plan includes:
when the trade material is approved, putting the remittance of the financer into the asset pool, and creating the bidding plan;
sending a ticket marking plan creating completion instruction to the business ticket circle through the storage and support mechanism;
sending a trusteeship depositing protocol to the financers through the business ticket circle, and acquiring the trusteeship depositing protocol and the bill endorsement transfer signed by the financers through a trusteeship depositing mechanism;
the storage and support mechanism is used for auditing the endorsement transfer of the ticket, and when the auditing is passed and the issuing confirmation of the bidding ticket plan is carried out, the bidding ticket plan is issued to the asset storage mechanism;
and paying out according to the ticket marking plan through the asset custody mechanism.
The draft needs OCR recognition, and the following objectives can be achieved by imaging the draft (draft): after the bill image is established, the bill surface data can be rapidly captured through an OCR technology, and the tedious work of manual input is saved; after acquiring bill information through OCR and establishing an index, the free and accurate retrieval of the bill can be realized; after the image is filed, the work of bill copying and the like can be omitted, and the real-time searching and printing can be realized; and the data and the bill image are exported by matching with a business system, and a related financial statement is generated. After the money orders are identified, the money orders can be stored in a business order circle and an asset pool.
In the embodiment of the invention, when the trade materials pass review, the remittance bills of financers are put into an asset pool, a draft issuing bill plan is created, a depositor mechanism informs a trader bill circle of the draft issuing bill plan creation completion, the trader bill circle sets information service fees, informs the financers to sign a depositor agreement, after the financers sign the depositor agreement, the signed depositor agreement is sent to the depositor mechanism, then the depositor mechanism informs the financers to carry out bill endorsement transfer, after the financers carry out bill endorsement transfer, the information of the bill endorsement transfer is sent to the depositor mechanism, the depositor mechanism carries out review on the information of the bill endorsement transfer, when the review passes the issuing confirmation of the draft issuing bill plan, the draft issuing bill plan is issued to the asset depositor mechanism, and the asset depositor mechanism carries out payment according to the draft issuing bill plan, thereby completing the draft issuing bill plan. And then the asset custody agency informs the core enterprise to return money.
In the embodiment of the invention, the system further comprises a basic inventory renewal management module which is used for providing on-line management and interactive service for the work of target accounts receivable and debt right registration, basic asset pool monitoring, basic asset redemption recording, basic asset recovery fund collection, debt right recall, information inquiry and the like, and pushing information and data required for the work of target accounts receivable and debt right collection, expiration reminding and the like to the joint warranty.
By the scheme, benefits are provided for financers, banks and investors.
Benefits to financers: generally, a ticket holder with the power of operating the ticket ABS is not credit enough to obtain direct financing in a capital market, and by issuing the ticket ABS in a mode that a bank serves as an original equity agency and basic assets are dispersed, a financing channel of the ticket holder to the capital market, particularly a currency market, is opened, the issuing interest rate is often lower than the direct discount rate of the commercial ticket, the financing cost is reduced, and the financing channel is expanded.
Benefits to the bank: for banks, the transaction structure has the advantages over direct loan issuance to business customers: intermediate incomes such as asset management plan hosting, bill service, account supervision, investment management cost and income sharing are obtained, and risk capital occupation is greatly reduced; the property support certificate investment has higher liquidity than the loan investment and is not counted in the table, so a more optimized property structure is obtained; in the case where various credit enhancement measures are employed and where the capital costs are less dominant in the line relative to the market, asset support securities may be issued to the market at a lower rate, resulting in higher intermediate revenue.
Benefits to investors: the yield of the bill ABS product is usually slightly higher than that of other products in the currency market, so that the investment categories of low-risk investors such as currency funds, pension funds, insurance companies and the like are expanded, and the investment yield is improved.
The invention increases the restriction capability of loan through the stock market and improves the operation efficiency of the bank. Securitization of credit assets can introduce a security market constraint mechanism into a loan mechanism, and the constraint capability of the loan on borrowers is strengthened. The marketized asset pricing improves the transparency of credit business, reduces the loan risk of banks and improves the operation efficiency of the bank loan business.
The invention widens the financing channel of the financial market, and the multi-directional financing channel is undoubtedly good for the startup market, and can also take the stock assets of the credit market through securitization of the credit assets, guide the social funds to be invested in the economic construction, and improve the operating efficiency of the funds.
The invention optimizes the asset structure of the operation and provides market export for finance. The credit assets of the policy bank which is opened as wholesale have the characteristics of long term, large amount and centralization objectively. The bank asset structure can be optimized through credit asset securitization, the risk and the income of the policy financial asset are reasonably distributed by applying a market mechanism, the market export is provided for bank finance, and the virtuous circle of fund is promoted to be realized.
For non-specific debtors, the invention can release the commercial drafts of different contractor subjects with similar duration in the same asset pool.
In the invention, basic asset files of target accounts receivable can be checked, checked and downloaded, and accounts receivable debt rights are screened to form an accounts receivable debt rights list; assisting in the realization of the basic property and the collection of the basic property recovery fund, including the collection of the basic property recovery fund, the basic property and the claim pursuit, the basic property redemption and the commercial draft transfer and the quality assurance; and monitoring the basic asset pool, wherein the asset service mechanism monitors the main body continuous condition, the credit standing condition and the like of the basic asset condition, the bill service mechanism, the basic transaction creditor, the basic transaction debtor and the bill acceptance person in the special plan storage period.
Monitoring content: whether the basic assets meet the pool entering standard or not, whether the basic assets and the commercial draft have the redemption condition appointed by the basic asset buying and selling agreement or not, whether the basic asset pool meets the asset pool qualification standard appointed by the basic asset buying and selling agreement or not, whether the ticket service organization, the basic transaction creditor and the basic transaction creditee have the event of losing the performance capability or not and the like.
In the invention, a special account is specially set up for a special project, the debt right of the income pool to be billed is registered, a basic asset information inquiry channel is provided, the special project audit and rating, basic asset file storage, special project credit risk management and the like are matched, and a project manager can look up the related information of the purchased basic asset through the special account record.
In the invention, when an entitlement improvement event occurs, the asset service mechanism should send out an receivable transfer notice according to the corresponding receivable and debt collection (the agent should send out an 'receivable transfer notice' to the basic transaction debtor and the guarantor by itself or prompt the original right beneficiary, if any), assist in right transfer (demotion, repudiation)/change registration, and the like.
In one embodiment, as shown in FIG. 2, there is provided a method for securitization of a merchant ticket-based asset, comprising the steps of:
step S201, matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
step S202, acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and step S203, when the examination is passed, creating a bidding ticket plan through the storage and support mechanism, and issuing the bidding ticket plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding ticket plan.
Optionally, the matching of the stock organization for the asset pool by the stock organization and the sending of the application link to the financers according to the financer names includes:
creating the asset pool and acquiring a financer list through the storage and support mechanism;
matching the asset pool with a financer list through the storage and support mechanism, and sending an application link to a financer according to the financer name.
Optionally, the application material includes qualification material and trade material.
Optionally, the application material is audited, including:
and auditing the qualification materials, and if the audit is passed, auditing the trade materials.
Optionally, when the audit is passed, creating a bidding document plan by the hosting mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan includes:
when the trade material is approved, putting the remittance of the financer into the asset pool, and creating the bidding plan;
sending a ticket marking plan creating completion instruction to the business ticket circle through the storage and support mechanism;
sending a trusteeship depositing protocol to the financers through the business ticket circle, and acquiring the trusteeship depositing protocol and the bill endorsement transfer signed by the financers through a trusteeship depositing mechanism;
the storage and support mechanism is used for auditing the endorsement transfer of the ticket, and when the auditing is passed and the issuing confirmation of the bidding ticket plan is carried out, the bidding ticket plan is issued to the asset storage mechanism;
and paying out according to the ticket marking plan through the asset custody mechanism.
Optionally, the obtaining, by the storage and support mechanism, the application material uploaded by the financer through the application link further includes:
and if the financer is not authenticated in the business ticket circle, performing identity authentication.
For specific definitions of the method for securities based on merchant tickets, reference may be made to the above definitions of the system for securities based on merchant tickets, which are not described in detail herein.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 3. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a method of merchant-ticket based asset securitization.
Those skilled in the art will appreciate that the architecture shown in fig. 3 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program:
matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and when the examination is passed, creating a bidding document plan through the support storage mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:
matching a financer list for an asset pool through the storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
and when the examination is passed, creating a bidding document plan through the support storage mechanism, and issuing the bidding document plan to the asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding document plan.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as 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 application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (7)
1. A merchant-ticket based asset securitization system, said asset securitization system comprising: a business ticket ring, a storage and support mechanism and an asset custody mechanism; the support storing mechanism depends on a supply chain bill system and a standardized bill support storing system of the business bill circle;
the storage and support mechanism matches a financer list for an asset pool and sends an application link to a financer according to the financer name;
the storage and support mechanism acquires the application materials uploaded by the financers through the application links and audits the application materials;
when the examination is passed, the ticket storage mechanism creates a ticket marking plan and issues the ticket marking plan to the asset custody mechanism, and the asset custody mechanism deposits money according to the ticket marking plan;
the application material includes qualification material and trade material;
and auditing the application materials, including: auditing the qualification material, and if the auditing is passed, auditing the trade material;
when the examination is passed, the ticket storage mechanism creates a ticket marking plan and issues the ticket marking plan to the asset custody mechanism, and the depositing of the money by the asset custody mechanism according to the ticket marking plan comprises the following steps:
when the trade material is approved, putting the remittance of the financer into the asset pool, and creating the bidding plan;
sending a ticket marking plan creating completion instruction to the business ticket circle through the storage and support mechanism;
sending a trusteeship depositing protocol to the financers through the business ticket circle, and acquiring the trusteeship depositing protocol and the bill endorsement transfer signed by the financers through a trusteeship depositing mechanism;
the storage and support mechanism is used for auditing the endorsement transfer of the ticket, and when the auditing is passed and the issuing confirmation of the bidding ticket plan is carried out, the bidding ticket plan is issued to the asset storage mechanism;
and paying out according to the ticket marking plan through the asset custody mechanism.
2. The asset securitization system of claim 1 wherein said depositor mechanism matches a list of financers for a pool of assets and sends an application link to a financer according to the financer name, comprising:
creating the asset pool and acquiring a financer list through the storage and support mechanism;
matching the asset pool with a financer list through the storage and support mechanism, and sending an application link to a financer according to the financer name.
3. The asset securitization system of claim 1, wherein the asset securitization system further comprises an authentication module;
and after one side sends an application link to a financer according to the financer name, if the financer is not authenticated in the business ticket circle, the authentication is carried out through the authentication module.
4. A merchant-ticket based asset securitization method implemented using a merchant-ticket based asset securitization system, the asset securitization system comprising: a business ticket ring, a storage and support mechanism and an asset custody mechanism; the support mechanism relies on a supply chain bill system and a standardized bill support system of the business ticket circle, and the asset securitization method comprises the following steps:
matching a financer list for an asset pool through a storage and support mechanism, and sending an application link to a financer according to the financer name;
acquiring application materials uploaded by the financers through the application links through the support mechanism, and auditing the application materials;
when the examination is passed, creating a bidding ticket plan through the ticket storage mechanism, and issuing the bidding ticket plan to an asset custody mechanism, so that the asset custody mechanism deposits money according to the bidding ticket plan;
the application material includes qualification material and trade material;
and auditing the application materials, including: auditing the qualification material, and if the auditing is passed, auditing the trade material;
when the examination is passed, the ticket storage mechanism creates a ticket marking plan and issues the ticket marking plan to the asset custody mechanism, and the depositing of the money by the asset custody mechanism according to the ticket marking plan comprises the following steps:
when the trade material is approved, putting the remittance of the financer into the asset pool, and creating the bidding plan;
sending a ticket marking plan creating completion instruction to the business ticket circle through the storage and support mechanism;
sending a trusteeship depositing protocol to the financers through the business ticket circle, and acquiring the trusteeship depositing protocol and the bill endorsement transfer signed by the financers through a trusteeship depositing mechanism;
the storage and support mechanism is used for auditing the endorsement transfer of the ticket, and when the auditing is passed and the issuing confirmation of the bidding ticket plan is carried out, the bidding ticket plan is issued to the asset storage mechanism;
and paying out according to the ticket marking plan through the asset custody mechanism.
5. The method of claim 4, wherein said obtaining, by said depository mechanism, application material uploaded by said financers through said application link further comprises:
and if the financer is not authenticated in the business ticket circle, performing identity authentication.
6. A computer arrangement comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method according to any of claims 4-5 are implemented when the computer program is executed by the processor.
7. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 4 to 5.
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