CN115330512A - Supply chain management system based on digital authority confirmation - Google Patents
Supply chain management system based on digital authority confirmation Download PDFInfo
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- CN115330512A CN115330512A CN202210792067.8A CN202210792067A CN115330512A CN 115330512 A CN115330512 A CN 115330512A CN 202210792067 A CN202210792067 A CN 202210792067A CN 115330512 A CN115330512 A CN 115330512A
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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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
- G06Q30/0185—Product, service or business identity fraud
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
Abstract
The invention relates to the technical field of finance, in particular to a supply chain management system based on digital authority determination. After the whole process is finished, principal and interest of the financial institution are paid to the financial institution through payment modes agreed by the demand party and the transaction object respectively so as to finish the whole process, thereby improving the transparency of the financing process, reducing the financing risk of the financial institution and enabling an enterprise to carry out normal financing activities more easily.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a supply chain management system based on digital authority confirmation.
Background
The supply chain is an integration of key business processes and relationships throughout the chain of suppliers, manufacturers, distributors, and users. The supply chain coordinates activities such as purchasing, producing, selling, order handling, inventory control, customer service and outsourcing, and supply chain finance is a cross discipline in the fields of supply chain, finance, logistics and the like. According to different scenes of the supply chain, different modes are derived from supply chain financing, including receivable financing, advance financing, inventory financing and the like.
In the existing actual scene, various voucher data generated in each process in the supply chain are isolated, and the trust vouchers which can be used by a financial institution are difficult to be uniformly utilized, so that the enterprise loan efficiency is low, and the enterprise development is not facilitated.
Disclosure of Invention
The invention aims to provide a supply chain management system based on digital right confirmation, which can better promote enterprise loan, improve the utilization rate of funds and enable enterprises to better develop.
In order to achieve the purpose, the invention provides a supply chain management system based on digital authority confirmation, which comprises a user access module, a data acquisition module, a data authentication module, a financing demand generation module, a payment module and a money return module, wherein the user access module, the data acquisition module, the data authentication module, the financing demand generation module, the payment module and the money return module are sequentially connected;
the user access module is used for accessing identity information of enterprises and financial institutions;
the data acquisition module is used for acquiring production data in the production process of an enterprise;
the data authentication module is used for authenticating and encrypting the production data to generate a credit voucher;
the financing demand generation module is used for generating financing demands to the financial institution by the demander enterprise based on the credit voucher;
the payment module is used for the financial institution to confirm the credit voucher and the financing requirement and then pay to the transaction object;
and the money returning module is used for returning money to the financial institution by the demand party and the transaction object according to the payment mode.
Wherein the production data comprises transportation documents, invoices, face data, contracts and agreements.
The data acquisition module comprises an offline data acquisition unit, an online document generation unit and a monitoring unit, wherein the offline data acquisition unit is used for converting offline data into electronic data by adopting an identification technology; the online document generation unit is used for generating an electronic protocol by adopting a digital signature technology; and the monitoring unit is used for monitoring the process by adopting the positioning equipment based on the electronic protocol and the electronic data.
The monitoring unit comprises a satellite positioning subunit, a parameter acquiring unit and a display subunit, the satellite positioning subunit is used for positioning the transportation process to obtain positioning data, the parameter acquiring unit is used for acquiring transportation parameters, and the display subunit is used for visually displaying the transportation parameters and the positioning data.
The monitoring unit further comprises an abnormity reminding unit, and the abnormity reminding unit is used for sending out alarm information when the positioning data and the transportation parameters exceed the allowable range of the setting rule of the monitoring unit.
The user access module comprises a registration unit and a verification unit, wherein the registration unit is used for providing identity information registration for enterprises and financial institutions, and the verification unit is used for verifying authenticity by combining a manufacturer database based on the identity information.
The data authentication module comprises an authentication unit and an encryption unit, the authentication unit is used for identifying based on production data, and the encryption unit is used for encrypting the production data based on a block chain.
The payment module comprises a financing sequence unit, a checking unit and a payment unit, wherein the financing sequence unit is used for classifying financing requirements into order financing and other financing requirements, the checking unit is used for checking based on the order financing and the monitoring unit and judging whether the order financing is completed correctly, and the payment unit is used for paying when the process financing is completed.
The invention relates to a supply chain management system based on digital authority confirmation, which provides identity information registration for upstream enterprises, core enterprises and downstream enterprises through a user access module and provides identity information registration for financial institutions capable of providing financing services. The data acquisition module then acquires various production data generated among the core enterprise, the upstream enterprise, the downstream enterprise and the like, wherein the production data comprises transportation documents, invoices, face data, contracts and agreements, and in addition, authorization books, framework contracts, purchase contracts, delivery bills, receipt bills, statement bills, settlement bills and the like. The authenticity of the production data needs to be confirmed, otherwise, the whole process cannot be carried out, so the production data is authenticated through the data authentication module, and meanwhile, a block chain is adopted for encryption, so that the generated documents or data are prevented from being falsified, the actual transaction process and the content confirmed by the core enterprise originally are changed, and the production data can be used as a 'mortgage proof' of a financial institution. And the payment module is used for evaluating the authenticity of the credit voucher by the financial institution, evaluating whether the corresponding financing requirement is reasonable or not, and then paying to the transaction object. After the whole process is completed, accounts payable of the financial institution can be paid to the financial institution through payment modes appointed by the demand party and the transaction object respectively so as to complete the whole process, thereby improving the transparency of the financing process, reducing the financing risk of the financial institution and enabling an enterprise to carry out normal financing activities more easily.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a block diagram of a supply chain management system based on digital authorization according to a first embodiment of the present invention.
Fig. 2 is a block diagram of a data acquisition module of a second embodiment of the present invention.
Fig. 3 is a structural diagram of a monitoring unit of a second embodiment of the present invention.
Fig. 4 is a block diagram of a subscriber access module of a second embodiment of the present invention.
Fig. 5 is a structural diagram of a data authentication module of a second embodiment of the present invention.
Fig. 6 is a block diagram of a payment module of a second embodiment of the present invention.
Fig. 7 is a structural diagram of a money return module of the second embodiment of the present invention.
Fig. 8 is a schematic monitoring diagram of a second embodiment of the present invention.
FIG. 9 is a bill diagram of a supply chain flow.
Fig. 10 is a technical diagram adopted by the present invention.
FIG. 11 is a flowchart of the operation of the digital rights based supply chain management system of the present invention.
FIG. 12 is a flow chart of the operation of the data acquisition module of the present invention.
Fig. 13 is a flow chart of the operation of the monitoring unit of the present invention.
101-user access module, 102-data acquisition module, 103-data authentication module, 104-financing demand generation module, 105-payment module, 106-repayment module, 107-offline data acquisition unit, 108-online receipt generation unit, 109-monitoring unit, 110-satellite positioning subunit, 111-parameter acquisition unit, 112-display subunit, 113-abnormity reminding unit, 114-registration unit, 115-verification unit, 116-authentication unit, 117-encryption unit, 118-financing sequence unit, 119-check unit, 120-payment unit, 121-principal repayment unit and 122-interest repayment unit.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative and intended to be illustrative of the invention and are not to be construed as limiting the invention.
In the existing financial industry, small enterprises face the problem of difficult loan, the overall financing cost of the society still remains high, and the average interest rate of the society is 7.9 percent; the higher of the medium-sized and small-sized enterprises is more than 10 percent, and the medium-sized and small-sized enterprises have weak risk resistance, few financing channels and high financing cost. The composite increase rate of accounts receivable of supply chain enterprises is as high as 9.7%, GDP (gas diffusion plate) acceleration rate higher than 7% is obvious, the fund turnover rate is continuously reduced, and the utilization rate is low.
The small micro-enterprise mainly has the following problems: the loan approval time is long, and is several days or even a week; 95% of loan requirements require mortgage or core enterprise coordination. Multiple trips off the line are required. The processes of loan application, coordination of call completion, offline signing, offline account opening, and the like involve multiple trips to and from financial institutions, which are time consuming, and the financial institutions also include institutions designated by traditional financial institutions.
In addition, the financial institutions have the following problems: the cost of obtaining customers is high. The information is asymmetric. The risk cost is high. The trial and error cost of the small micro business is high, and effective risk identification and control measures are lacked.
The invention adopts the following technical means to solve the corresponding problems.
First embodiment
Referring to fig. 1, the present invention provides a supply chain management system based on digital rights confirmation, comprising: the system comprises a user access module 101, a data acquisition module 102, a data authentication module 103, a financing requirement generation module 104, a payment module 105 and a money return module 106, wherein the user access module 101, the data acquisition module 102, the data authentication module 103, the financing requirement generation module 104, the payment module 105 and the money return module 106 are connected in sequence;
the user access module 101 is used for accessing identity information of enterprises and financial institutions;
the data acquisition module 102 is used for acquiring production data in the production process of an enterprise;
the data authentication module 103 is configured to authenticate and encrypt the production data to generate a credit voucher;
the financing demand generation module 104 is used for the demander enterprise to generate financing demand to the financial institution based on the credit voucher;
the payment module 105 is used for the financial institution to confirm the credit voucher and the financing requirement and then pay to the transaction object;
the refund module 106 is used for refunding the demand party and the transaction object to the financial institution according to the payment mode.
In the present embodiment, in the entire supply chain, a downstream enterprise that is a business that manufactures available products, a core enterprise that is a supply chain service or management enterprise, an upstream enterprise that is a supplier that provides raw materials, and the like, may be generally used as the upstream enterprise, and the situation where there is a loan demand is generally between the core enterprise and the upstream enterprise.
The management system provides identity information registration for upstream enterprises, core enterprises and downstream enterprises through the user access module 101, and provides identity information registration for financial institutions which can provide financing services. The data collection module 102 then collects various production data generated between the core enterprise, upstream enterprise, downstream enterprise, and the like, including shipping documents, invoices, face data, contracts and agreements, and additionally, authorization books, framework contracts, procurement contracts, invoices, receipts, statements, and the like. The production data needs to be subjected to authenticity confirmation, otherwise, the whole process cannot be carried out, so that the production data is authenticated through the data authentication module 103, and meanwhile, a block chain is adopted for encryption, so that a credit voucher can be generated, and the occurrence of the corresponding process can be proved through the credit voucher, so that the credit voucher can be used as a 'mortgage voucher' of a financial institution. The payment module 105 is used for evaluating the authenticity of the credit voucher by the financial institution, evaluating whether the corresponding financing requirement is reasonable or not, and then paying to the transaction object. After the entire process is completed, the payment modes agreed by the claimant and the transaction object may each be used to pay accounts payable for the financial institution to the financial institution through the payment module 105 to complete the entire process.
Second embodiment
Referring to fig. 2 to fig. 13, on the basis of the first embodiment, the data acquisition module 102 of the supply chain management system based on digital authority determination further includes an offline data acquisition unit 107, an online document generation unit 108, and a monitoring unit 109, where the offline data acquisition unit 107 is configured to convert offline data into electronic data by using an identification technology; the online document generating unit 108 is configured to generate an electronic protocol by using a digital signature technology; the monitoring unit 109 is configured to perform process monitoring based on an electronic protocol and electronic data by using a positioning device.
In this embodiment, a lot of data may be generated during the actual production and transportation process of an enterprise, and the offline data collection unit 107 may be used to collect paper documents, wherein the OCR technology may be used to identify the subject of transportation, such as driver information and vehicle information, during the verification, and an electronic protocol may be generated by using the CFCA digital signature technology, and CFCA is a national-level authoritative security certification authority approved by the national bank and national information security administration, and is one of important national financial information security infrastructures. After the agreement or the document is formed, a corresponding process needs to be executed to complete the corresponding agreement or the document, so that the document or the execution process of the agreement can be monitored through the monitoring unit 109, and further authenticity of the agreement and monitoring performance of risks can be enhanced conveniently.
Referring to fig. 9, the monitoring unit 109 includes a satellite positioning subunit 110, a parameter obtaining unit 111, and a display subunit 112, where the satellite positioning subunit 110 is configured to position a transportation process to obtain positioning data, the parameter obtaining unit 111 is configured to obtain transportation parameters, and the display subunit 112 is configured to visually display the transportation parameters and the positioning data.
In the present embodiment, part of supply chain finance is a goods loan, and in order to ensure the safety of this loan, the monitoring means 109 is provided to monitor the loan. The satellite positioning subunit 110 can adopt a Beidou satellite positioning technology, and access the Zhongji road real-time data to monitor the cargo distribution process of the enterprise and verify the related distribution data in the whole process. The parameter acquiring unit 111 is used for being mounted on a delivery vehicle, or a delivery starting point and a delivery destination, and is used for monitoring parameters of goods, such as weight, quantity and the like, so as to further ensure the supervision of the process.
The monitoring unit 109 further includes an abnormality reminding unit 113, and the abnormality reminding unit 113 is configured to send out alarm information when the positioning data and the transportation parameters are abnormal.
In this embodiment, after the transportation parameter at a certain time node or place is abnormal, an alarm message may be sent to remind relevant personnel to perform processing.
The user access module 101 comprises a registration unit 114 and a verification unit 115, wherein the registration unit 114 is used for providing identity information registration for enterprises and financial institutions, and the verification unit 115 is used for verifying authenticity by combining an industrial database based on the identity information.
In this embodiment, the registration unit 114 is used to provide an interface for enterprises and financial institutions to register identity information, and then the verification unit 115 is used to perform information comparison verification in combination with an industrial database, such as a sky-eye check, to confirm the authenticity of enterprise information.
The data authentication module 103 includes an authentication unit 116 and an encryption unit 117, the authentication unit 116 is configured to perform identification based on production data, and the encryption unit 117 is configured to encrypt the production data based on a block chain.
In this embodiment, the authentication unit 116 can perform authenticity identification on the production data, specifically, after the data of the related enterprise is uploaded, the related documents of the related enterprise are extracted and compared with each other by using the protocol as the theme, and the documents that are compared to be consistent can be determined to be authentic and valid. The encryption unit 117 generates a Hash value list for the production data through a block chain technology, and any modification can cause the Hash value to change due to the uniqueness and irreversibility of the Hash value, so that the non-tamper property of each item of data in the electronic asset package is guaranteed.
The payment module 105 includes a financing sequence unit 118, a checking unit 119 and a payment unit 120, the financing sequence unit 118 is configured to classify financing requirements into order financing and other financing requirements, the checking unit 119 performs checking based on the order financing and the monitoring unit 109 to determine whether the order financing is completed correctly, and the payment unit 120 is configured to perform payment when the process financing is completed.
In the embodiment, in order to further reduce the risk of the financial institution and improve the success rate of loan of the small and micro enterprise, the financing requirement of the enterprise can be split to form order financing and other financing requirements, wherein the order financing comprises material transportation, product production and the like, and the method is characterized in that the semi-finished product circulated in the production process and the manufactured product to be sold can be used as a mortgage, then the transportation process of the material or the manufacturing process of the product are monitored by the checking unit 119, and the financing is put in batch by the financing institution based on the completion condition, so that the risk of the financial institution can be reduced, and meanwhile, the small and micro enterprise can financing.
The money returning module 106 comprises a principal money returning unit 121 and an interest returning unit 122, wherein the principal money returning unit 121 is used for determining a principal money returning proportion based on a protocol between a demand party and a transaction object, and the interest returning unit 122 is used for determining an interest returning time and proportion based on a protocol between the demand party and the transaction object.
In this embodiment, in order to improve the success of the loan, different loan repayment modes may be respectively agreed by the principal repayment unit 121 and the interest repayment unit 122, so that the requesting party and the transaction object bear respective responsibilities, thereby better promoting the success of the loan.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention.
Claims (7)
1. A supply chain management system based on digital right confirmation is characterized in that,
the system comprises a user access module, a data acquisition module, a data authentication module, a financing demand generation module, a payment module and a money return module, wherein the user access module, the data acquisition module, the data authentication module, the financing demand generation module, the payment module and the money return module are sequentially connected;
the user access module is used for accessing identity information of enterprises and financial institutions;
the data acquisition module is used for acquiring production data in the production process of an enterprise;
the data authentication module is used for authenticating and encrypting the production data to generate a credit voucher;
the financing demand generation module is used for generating financing demands to the financial institution by the demander enterprise based on the credit voucher;
the payment module is used for the financial institution to confirm the credit voucher and the financing requirement and then pay to the transaction object;
and the money returning module is used for returning money to the financial institution by the demand party and the transaction object according to the payment mode.
2. The supply chain management system based on digital rights confirmation of claim 1,
the production data includes transportation documents, invoices, face data, contracts and agreements.
3. The supply chain management system based on digital rights confirmation as claimed in claim 2,
the data acquisition module comprises an offline data acquisition unit, an online document generation unit and a monitoring unit, wherein the offline data acquisition unit is used for converting offline data into electronic data by adopting an identification technology; the online receipt generating unit is used for generating an electronic protocol by adopting a digital signature technology; and the monitoring unit is used for monitoring the process by adopting the positioning equipment based on the electronic protocol and the electronic data.
4. The supply chain management system based on digital rights confirmation as claimed in claim 3,
the monitoring unit comprises a satellite positioning subunit, a parameter acquiring unit and a display subunit, the satellite positioning subunit is used for positioning the transportation process to obtain positioning data, the parameter acquiring unit is used for acquiring transportation parameters, and the display subunit is used for visually displaying the transportation parameters and the positioning data.
5. The supply chain management system based on digital rights confirmation as claimed in claim 4,
the monitoring unit further comprises an abnormity reminding unit, and the abnormity reminding unit is used for sending out alarm information when the positioning data and the transportation parameters exceed the allowable range of the setting rule of the monitoring unit.
6. The supply chain management system based on digital rights confirmation of claim 1,
the user access module comprises a registration unit and a verification unit, wherein the registration unit is used for providing identity information registration for enterprises and financial institutions, and the verification unit is used for verifying authenticity by combining an industrial database based on the identity information.
7. The supply chain management system based on digital rights confirmation of claim 1,
the data authentication module comprises an authentication unit and an encryption unit, the authentication unit is used for identifying based on production data, and the encryption unit is used for encrypting the production data based on a block chain.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202210792067.8A CN115330512A (en) | 2022-07-07 | 2022-07-07 | Supply chain management system based on digital authority confirmation |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210792067.8A CN115330512A (en) | 2022-07-07 | 2022-07-07 | Supply chain management system based on digital authority confirmation |
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| CN115330512A true CN115330512A (en) | 2022-11-11 |
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| CN202210792067.8A Pending CN115330512A (en) | 2022-07-07 | 2022-07-07 | Supply chain management system based on digital authority confirmation |
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