CN114066414A - Financing platform and implementation method thereof - Google Patents
Financing platform and implementation method thereof Download PDFInfo
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- CN114066414A CN114066414A CN202111355249.0A CN202111355249A CN114066414A CN 114066414 A CN114066414 A CN 114066414A CN 202111355249 A CN202111355249 A CN 202111355249A CN 114066414 A CN114066414 A CN 114066414A
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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
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention provides a financing platform, comprising: the main data management module is used for managing the data information received by the platform; the accounts payable management module is used for acquiring and managing the accounts payable information; the issuing module is used for realizing the electronic creditor certificate of the performance of the purchasing party; the voucher using module is used for the supplier to use the electronic credentialing voucher for performing; the data uploading module is used for the supplier to upload the certificate data; the order management module is used for realizing financing order management; and the repayment module is used for realizing repayment by the purchasing party. The method and the device can solve the problems that the off-line financing information of the current entity enterprise is difficult to verify and the financing efficiency is low.
Description
Technical Field
The invention relates to the technical field of calculation and robot process automation, in particular to a financing platform and an implementation method thereof.
Background
In recent years, with the rapid development of cloud computing and robot process automation technologies, including cloud storage, cloud computing, process automation and other technologies, which are changing day by day, more and more industries introduce the cloud computing and robot process automation technologies, so that specified items can be completed more conveniently and quickly.
In the financing activity of the current entity enterprise, more financing is carried out based on mortgage, because the information of the financing application party is inconvenient to check, the financing mode of pure credit is relatively less, the financing mode based on the mortgage generally submits financing data on line, then the bank manually checks and examines, and the bank dares not to agree with the financing application easily after checking and paying, the financing of the entity enterprise is difficult to finance and the financing efficiency is low.
Disclosure of Invention
The invention aims to provide a financing platform and a financing system. So as to solve the technical problems existing in the background technology.
In order to achieve the purpose, the invention adopts the following technical scheme:
a financing platform comprising: the main data management module is used for managing the data information received by the platform; the accounts payable management module is used for acquiring and managing the accounts payable information; the issuing module is used for realizing the electronic creditor certificate of the performance of the purchasing party; the voucher using module is used for the supplier to use the electronic credentialing voucher for performing; the data uploading module is used for the supplier to upload the certificate data; the order management module is used for realizing financing order management; and the repayment module is used for realizing repayment by the purchasing party.
In some embodiments, the platform further comprises:
the voucher data includes at least one or more of a sales electronic invoice, a sales contract.
Meanwhile, the invention also discloses a realization method of the financing platform, which is based on the financing platform and comprises the following steps:
the main data management module receives enterprise information, financing rate information and financing service charge information of a buyer and a supplier, which are uploaded by platform management personnel;
the accounts payable management module receives account data information of the payable suppliers uploaded by the buyers;
generating a fulfillment electronic creditor certificate billing agreement based on the acquired information, adding an electronic signature, and outputting a fulfillment electronic creditor certificate;
the voucher usage module signs the electronic credentialing voucher for performing the contract after acquiring the instruction of the supplier;
the method comprises the steps that a voucher using module obtains voucher data of accounts payable of each bill uploaded by a supplier and an image file of the voucher data;
verifying the authenticity of the buyer and the supplier based on the certificate data and the third-party platform information;
and acquiring a financing agreement signed by the buyer and the supplier which pass the authenticity verification, and pushing financing application information to the bank system.
In some embodiments, the financing application information includes financing agreements and image files and financing-related information of the credential data.
In some embodiments, the financing-related information includes financing amount, financing date, financing rate, supplier account.
In some embodiments, the method further comprises:
the order management module acquires the auditing and deposit information fed back by the bank system and updates the corresponding financing order on the basis of the auditing and deposit information.
In some embodiments, the method further comprises: and the repayment module generates a repayment order based on the auditing and paying information.
In some embodiments, the method further comprises: and the repayment module acquires a repayment instruction sent by the purchasing party and triggers a repayment operation process.
Meanwhile, the invention also discloses a financing platform implementation device, which comprises a processor and a memory; the memory is configured to store instructions that, when executed by the processor, cause the apparatus to implement any of the financing platform implementation methods described above.
Meanwhile, the invention also discloses a computer-readable storage medium, wherein the storage medium stores computer instructions, and after the computer reads the computer instructions in the storage medium, the computer runs any one of the financing platform implementation methods.
Advantageous effects
Compared with the prior art, the invention has the following remarkable advantages:
the method for realizing online financing through cloud computing and robot process automation technology can effectively solve the problems of difficulty in verification of offline financing information of the entity enterprise and low financing efficiency.
Drawings
FIG. 1 is a schematic diagram of a financing platform module according to the present embodiment;
FIG. 2 is a flow chart of a financing platform implementation method according to the present embodiment;
fig. 3 is a flow chart of the financing platform implementation method according to the 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.
On the contrary, this application is intended to cover any alternatives, modifications, equivalents, and alternatives that may be included within the spirit and scope of the application as defined by the appended claims. Furthermore, in the following detailed description of the present application, certain specific details are set forth in order to provide a better understanding of the present application. It will be apparent to one skilled in the art that the present application may be practiced without these specific details.
A detailed description of a financing platform and system according to an embodiment of the present application will be provided below with reference to fig. 1-3. It is to be noted that the following examples are only for explaining the present application and do not constitute a limitation to the present application.
Example 1
As shown in fig. 1, a financing platform 100 comprises:
the main data management module 110 is configured to manage data information received by the platform, such as a financing application, a registration application, and the like.
An accounts payable management module 120 for acquiring and managing accounts payable information;
a voucher issuing module 130, configured to implement issuing of a fulfilling electronic creditor voucher of the purchasing party;
a voucher usage module 140 for suppliers to use the electronic credentialing voucher for fulfillment;
a data upload module 150, configured to allow a vendor to upload credential data; in some embodiments, the credential data includes at least one or more of a sales electronic invoice, a sales contract.
An order management module 160 for implementing financing order management;
and a repayment module 170 for the buyer to realize repayment.
Example 2
As shown in fig. 2, a method for implementing a financing platform, a flow 200 of the method includes:
in step 205, the voucher using module obtains voucher data of accounts payable of each bill uploaded by the supplier and an image file of the voucher data. In some embodiments, the credential data includes at least one or more of a sales electronic invoice, a sales contract.
and step 207, acquiring financing agreement signed by the buyer and the supplier passing the authenticity verification, and pushing financing application information to the bank system. In some embodiments, the financing application information includes financing agreements and image files and financing-related information of the credential data. In some embodiments, the financing-related information includes financing amount, financing date, financing rate, supplier account.
And step 208, the order management module acquires the auditing and deposit information fed back by the bank system, and updates the corresponding existing financing order based on the auditing and deposit information.
And 209, generating a repayment order by the repayment module based on the auditing and paying information.
And step 210, the repayment module acquires a repayment instruction sent by the purchasing party and triggers a repayment operation process.
Example 3
The following operation based on the operator describes a specific implementation scheme of the financing platform, and fig. 3 shows a specific operation description of the financing platform:
platform management personnel upload relevant enterprise information of a buyer and a supplier to a main data management module of a financing platform and maintain information of financing rate, financing service charge and the like agreed by a financing bank in advance to the main data management module;
the buyer uploads the account data information of the payable supplier to the financing platform account payable management module;
the buyer selects accounts payable on the financing platform, signs an order-opening agreement of the electronic obligation certificate of performance generated by the platform, and covers an electronic signature to open the electronic obligation certificate of performance;
the supplier personnel sign for the electronic credentialing voucher at the using module (namely the voucher opening module) of the electronic credentialing voucher for performing of the financing platform;
supplier personnel fill in the information of 'sale electronic invoice' and 'sale contract' of the account payable in a 'fulfillment electronic creditor certificate' using module of a financing platform and upload the image part;
the financing platform system automatically verifies the authenticity of the selling electronic invoice and the buyer enterprise and the supplier enterprise in the national value-added tax invoice checking platform of the national tax administration and the national enterprise credit information publicity system according to the flow;
after the financing platform system completes authenticity check, the buyer and the supplier sign a financing agreement of the electronic underwriting certificate of performance on line and add electronic signatures respectively, and then the system pushes financing application information of the electronic underwriting certificate of performance, such as financing agreement, electronic invoice image of sale, contract image of sale, financing amount, financing date, financing rate, supplier account and the like to the bank system;
the bank system examines and verifies the financing application information of the supplier according to the internal process, pays the supplier after the examination is passed, and transmits the examination and payment information back to a financing order management module (namely an order management module) of the financing platform for state change, and meanwhile, the system automatically generates a repayment order at a due repayment module (namely a repayment module) of a buyer.
And on the due date of financing, the purchasing party selects an order to be repayed in a due repayment module of the purchasing party, initiates repayment after confirmation of no errors, and completes repayment operation through the bank-enterprise direct connection function of the financing bank.
Example 4
This embodiment is a description of a use case of the financing platform:
the platform operator develops each functional module of the financing platform and completes direct connection and butt joint with a financing bank auditing system and a bank-enterprise;
platform operators upload enterprise information of companies B and A to a financing platform main data management module, and maintain information such as financing rate, financing service charge and the like agreed with a bank C in advance to the main data management module;
company A uploads the payable data information of company B payable to a payable management module of a financing platform in batch to generate payable detail;
a company selects accounts payable on a financing platform, signs an order-opening agreement of a fulfillment electronic credentialing certificate generated by the platform, covers an electronic signature of the company and opens the fulfillment electronic credentialing certificate;
b company uses module of "electronic creditor certificate of performing contract" in financing platform to sign electronic creditor certificate of performing contract;
company B fills information such as invoice number, invoice amount, information of invoicing party, information of collection party, sales contract number, sales contract amount, contract signing time, sales contract validity period, sales contract signing place and the like in a 'performing electronic debt certificate' using module of financing platform, and uploads image pieces of 'sales electronic invoice' and 'sales contract';
the platform system automatically verifies whether the filled invoice information and the information of companies A and B are real or not in a national value-added tax invoice checking platform of a national tax administration and a national enterprise credit information publicity system according to the flow, if the real information is true, the filled invoice information and the information of the companies A and B are passed, and if the error is found, the error is reported;
after the flat system finishes the authenticity check, company A and company B sign the financing agreement of the electronic debt right certificate of performance on line and add electronic seal respectively, the system pushes the financing application information to the financing system of bank C;
and C, the bank financing system checks the financing application information of the company B according to the internal flow, pays the company B after the checking is passed, and transmits the checking and paying information back to the platform to change the state, and meanwhile, the platform system automatically generates a repayment order in a payment due module of the purchasing party.
And on the due date of financing, the company A selects an order to be repayed in a 'due repayment module of a purchasing party', initiates repayment after confirmation of no mistake, and completes repayment operation through direct connection of bank-enterprise of the Chinese rural bank.
Meanwhile, the invention also discloses a financing platform implementation device, which comprises a processor and a memory; the memory is configured to store instructions that, when executed by the processor, cause the apparatus to implement any of the financing platform implementation methods described above.
Meanwhile, the invention also discloses a computer-readable storage medium, wherein the storage medium stores computer instructions, and after the computer reads the computer instructions in the storage medium, the computer runs any one of the financing platform implementation methods.
In conclusion, the technical scheme of the invention solves the problems of difficulty in checking the off-line financing information, low financing efficiency and difficulty in financing and high cost of the current entity enterprises. A financing platform and each functional module are developed, and a financing bank financing system and a bank-enterprise direct connection system are in butt joint; establishing business logic of full-flow online operation of an acquisition buyer, a supplier and a financing bank based on accounts payable of the buyer; by the integrated service operation of each functional module of the financing platform, the problems of low financing efficiency and difficult and expensive financing under the line of a supplier are solved.
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 financing platform, comprising:
the main data management module is used for managing the data information received by the platform;
the accounts payable management module is used for acquiring and managing the accounts payable information;
the voucher issuing module is used for realizing issuing the electronic obligation voucher of the performing of the buyer;
the voucher using module is used for the supplier to use the electronic credentialing voucher for performing;
the data uploading module is used for the supplier to upload the certificate data;
the order management module is used for realizing financing order management;
and the repayment module is used for realizing repayment by the purchasing party.
2. A financing platform according to claim 1, further comprising:
the voucher data includes at least one or more of a sales electronic invoice, a sales contract.
3. A method for implementing a financing platform, based on the financing platform as claimed in claim 1 or 2, comprising:
the main data management module receives enterprise information, financing rate information and financing service charge information of a buyer and a supplier, which are uploaded by platform management personnel;
the accounts payable management module receives account data information of the payable suppliers uploaded by the buyers;
generating a fulfillment electronic creditor certificate billing agreement based on the acquired information, adding an electronic signature, and outputting a fulfillment electronic creditor certificate;
the voucher usage module signs the electronic credentialing voucher for performing the contract after acquiring the instruction of the supplier;
the method comprises the steps that a voucher using module obtains voucher data of accounts payable of each bill uploaded by a supplier and an image file of the voucher data;
verifying the authenticity of the buyer and the supplier based on the certificate data and the third-party platform information;
and acquiring a financing agreement signed by the buyer and the supplier which pass the authenticity verification, and pushing financing application information to the bank system.
4. The method of claim 3, wherein the financing application information comprises image files of financing agreements and the voucher data and financing-related information.
5. The method of claim 4, wherein the financing-related information includes financing amount, financing date, financing rate, supplier account.
6. The method of claim 1, further comprising:
the order management module acquires the auditing and deposit information fed back by the bank system and updates the corresponding financing order on the basis of the auditing and deposit information.
7. The method of claim 6, further comprising: and the repayment module generates a repayment order based on the auditing and paying information.
8. The method of claim 7, further comprising: and the repayment module acquires a repayment instruction sent by the purchasing party and triggers a repayment operation process.
9. An apparatus for implementing a financing platform, the apparatus comprising a processor and a memory; the memory is configured to store instructions that, when executed by the processor, cause the apparatus to implement a method of implementing the financing platform as claimed in any one of claims 3 to 8.
10. A computer-readable storage medium storing computer instructions, which when read by a computer, cause the computer to execute a method for implementing a financing platform as claimed in any one of claims 3 to 8.
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| CN202111355249.0A CN114066414A (en) | 2021-11-16 | 2021-11-16 | Financing platform and implementation method thereof |
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| CN202111355249.0A CN114066414A (en) | 2021-11-16 | 2021-11-16 | Financing platform and implementation method thereof |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325759A (en) * | 2018-09-17 | 2019-02-12 | 简单汇信息科技(珠海)有限公司 | Method, management platform, device, system and storage medium are opened online |
| CN110533538A (en) * | 2019-09-02 | 2019-12-03 | 深圳象右看齐网络技术有限公司 | A kind of supply chain financial application method and device based on block chain technology |
| CN111612609A (en) * | 2020-05-26 | 2020-09-01 | 江苏苏宁银行股份有限公司 | Receivable and receivable pledge financing method and device based on block chain, computer equipment and storage medium |
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- 2021-11-16 CN CN202111355249.0A patent/CN114066414A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325759A (en) * | 2018-09-17 | 2019-02-12 | 简单汇信息科技(珠海)有限公司 | Method, management platform, device, system and storage medium are opened online |
| CN110533538A (en) * | 2019-09-02 | 2019-12-03 | 深圳象右看齐网络技术有限公司 | A kind of supply chain financial application method and device based on block chain technology |
| CN111612609A (en) * | 2020-05-26 | 2020-09-01 | 江苏苏宁银行股份有限公司 | Receivable and receivable pledge financing method and device based on block chain, computer equipment and storage medium |
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