CN116862405B - Accounts receivable and mortgage financing and right confirming system for electronic seal - Google Patents
Accounts receivable and mortgage financing and right confirming system for electronic seal Download PDFInfo
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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
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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
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Abstract
The invention discloses an accounts receivable and mortgage financing right-determining system for an electronic seal, and belongs to the technical field of business transaction data management. The accounts receivable and mortgage financing confirming system for the electronic seal comprises a digital accounts receivable management module, a mortgage financing transaction recording module, an electronic seal verification module, a right confirming and auditing functional module, an interface and an integrated module. In the invention, a knowledge graph is applied to the aspect of digital accounts receivable management, the intelligent and data association capability of an accounts receivable and mortgage financing system for an electronic seal is effectively enhanced, an interactive verification interface is provided in the verification process of the electronic seal, multiple verification means are arranged, the operability of the verification of the electronic seal is enhanced, the reliability of a verification result is effectively ensured, the data anonymization processing is carried out in the aspects of data transmission and storage encryption, and the security in the aspects of data transmission, storage and access is effectively improved by setting fine granularity access control in the aspect of access control.
Description
Technical Field
The invention relates to the technical field of business transaction data management, in particular to an accounts receivable and mortgage financing and right-confirming system for an electronic seal.
Background
Traditionally, enterprises have validated and verified accounts receivable they possess by signing paper contracts and using the seals. The method has some problems including high time cost, easy forging and difficult management, and the receivables and mortgage financing system for the electronic seal is a system for confirming rights by means of electronic seal and mortgage financing. The seal is electronically bound with account receivable information, so that a more efficient and safer right-confirming process is realized. Due to development of information technology, at present, a plurality of accounts receivable and mortgage financing and right confirming systems for electronic seal use a blockchain technology, however, although the safety of accounts receivable and mortgage financing can be improved based on the blockchain technology, along with the increase of fraud and malicious attack channels, the data relevance of the accounts receivable and mortgage financing and right confirming systems for electronic seal needs to be further enhanced while the safety and the authenticity of the accounts receivable and mortgage financing and right confirming systems are ensured.
Disclosure of Invention
The accounts receivable and mortgage financing and right confirming system for the electronic seal comprises a digital accounts receivable management module, a mortgage financing transaction recording module, an electronic seal verification module, a right confirming and auditing function module, an interface and an integration module;
the digital accounts receivable management module is based on a blockchain technology and a knowledge graph, and establishes a sharing platform for digital accounts receivable management, and is used for carrying out real-time sharing management on accounts receivable by enterprises and suppliers, financial institutions and other partners, the mortgage financing transaction recording module carries out mortgage financing on the accounts receivable, and the mortgage financing transaction recording module is used for automatically processing mortgage solution, mortgage asset assessment and financing release operation based on the blockchain technology and supporting multiparty participation and digital signature, the electronic seal verification module is used for verifying and verifying the authenticity and integrity of the accounts receivable and the mortgage financing, and the electronic seal verification module is used for carrying out multiple verification on transactions by combining a biological identification technology, a digital certificate and a third party guarantor, and the verification and audit function module is used for verifying and recording the states and histories of the accounts receivable and the mortgage financing transactions, and the interface and integration module carries out automatic transmission and data sharing by interfacing with other management systems of the enterprises.
Preferably, the digital accounts receivable management module provides an intelligent contract to the enterprise through the blockchain technology, and the intelligent contract is used for executing management transaction, and the blockchain technology is used for automatically managing accounts receivable by combining artificial intelligence and automation technology.
Preferably, the knowledge graph is used for establishing a relation model among entities including clients, suppliers and products, and is provided with an intelligent recommendation and risk assessment module, a data association and query module and a data visualization module.
Preferably, the intelligent recommendation and risk assessment module provides intelligent risk assessment and accounts receivable management advice, the data association and query module associates data in the digital accounts receivable management system with an external data source, and the data visualization module presents association information and insight of the accounts receivable management in a visual manner.
Preferably, the mortgage financing transaction recording module carries out online digital signature through multiparty participation and digital signature, monitors, records and generates a risk report in real time, and provides more accurate risk assessment and decision support by combining data analysis and a risk assessment algorithm.
Preferably, the electronic seal verification module is provided with an interactive verification interface, the interactive verification interface provides multiple verification means, the multiple verification means comprise a biological identification technology, a digital certificate and a third party guarantee person, the biological identification technology provides face identification and fingerprint identification, the third party guarantee person jointly verifies the electronic seal through both transaction parties and the guarantee person of both transaction parties, and the interactive verification interface provides visual display inquiry.
Preferably, the right and audit function module performs automatic right and audit flow based on an automation contract of a blockchain, the right and audit function module combines the knowledge graph to ensure the integrity and consistency of data through data association, the right and audit function module applies a data analysis and mining technology to extract valuable information and insight from a large amount of data, the right and audit function module is provided with privacy protection, the privacy protection comprises data transmission, storage encryption and access control, the data transmission, storage encryption uses a security protocol to encrypt and transmit the data, and performs data anonymization processing, and the data transmission, storage encryption and blockchain technology are used for distributed storage, and the access control is provided with an identity verification mechanism and fine granularity access control.
Preferably, the interface and integration module employ an integrated mode of event driven and message queuing, and the interface and integration module form a loosely coupled integrated architecture by decoupling events and message passing between systems.
Compared with the prior art, the invention has the advantages that:
(1) In the invention, the knowledge graph is applied to the aspect of digital accounts receivable management, and the knowledge graph presents the associated information and insight of the accounts receivable management in a visual mode, so that a user can better understand and analyze the complex relationship and trend of the accounts receivable, find out the hidden mode and opportunity, and effectively enhance the intelligent and data association capability of the accounts receivable and mortgage financing system for the electronic seal.
(2) In the invention, the online digital signature of the multiparty transaction is set during the mortgage financing transaction record, the risk report is monitored, recorded and generated in real time, an interactive verification interface is provided during the verification process of the electronic seal, and multiple verification means of a biological recognition technology, a digital certificate and a third party guarantee person are set for comprehensive verification, thereby enhancing the operability of the verification of the electronic seal and effectively ensuring the reliability of the verification result.
(3) In the invention, the right and audit functions are combined with the knowledge graph to ensure the integrity and consistency of the data through data association, the data is encrypted and transmitted by using a security protocol (SSL) in the aspects of data transmission, storage and encryption, the data is anonymized and stored in a distributed mode by combining with a blockchain technology, an identity verification mechanism is arranged in the aspect of access control to verify the identity of a user, and the right control of access is enhanced through the arrangement of fine-granularity access control, so that the safety of the data transmission, storage and access is effectively improved, and the system experience of the user is enhanced.
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FIG. 1 is a schematic diagram of the overall system of the present invention.
Detailed Description
Example 1:
due to development of information technology, at present, a plurality of accounts receivable and mortgage financing and right confirming systems for electronic seal use a blockchain technology, however, although the safety of accounts receivable and mortgage financing can be improved based on the blockchain technology, along with the increase of fraud and malicious attack channels, the data relevance of the accounts receivable and mortgage financing and right confirming systems for electronic seal needs to be further enhanced while the safety and the authenticity of the accounts receivable and mortgage financing and right confirming systems are ensured.
Referring to fig. 1, an accounts receivable and mortgage financing system for an electronic seal includes a digital accounts receivable management module, a mortgage financing transaction recording module, an electronic seal verification module, a validation and audit function module and an interface and integration module, wherein the digital accounts receivable management module can reduce manual processing and complicated paper workflow, and the mortgage financing transaction is a financial transaction mode, wherein one party (usually a borrower) takes the property as a guarantee to obtain loans or financing, and the mortgage financing transaction recording module can reduce the risk of off-line transactions, the electronic seal verification module relates to the verification of the electronic seal, the electronic seal verification is a process for confirming the authenticity and integrity of a digital seal used in an electronic document or the electronic transaction, and the validation and audit function module plays an important role in the electronic seal verification, and the validation refers to the confirmation of the ownership and legitimacy of a certain entity (such as a person and an enterprise) on a specific property or rights. In electronic seal verification, the rights verification function can ensure that a digital seal in an electronic document or transaction is matched with a legal owner, so that ownership and authenticity of the digital seal are confirmed, and the auditing is that a specific process or transaction is audited and checked to verify compliance and accuracy of the digital seal. In electronic seal verification, an audit function can track and record verification processes of electronic documents and transactions, including a verifier, verification time and verification result information, and an interface and an integrated module are important components for realizing interaction and data transmission between the system and other application programs or systems;
the digital accounts receivable management module is based on a blockchain technology and a knowledge graph, and establishes a sharing platform for digital accounts receivable management, and is used for carrying out real-time sharing management on accounts receivable by enterprises and suppliers, financial institutions and other partners, the mortgage financing transaction recording module carries out mortgage financing on the accounts receivable, and the mortgage financing transaction recording module automatically processes mortgage solution, mortgage asset assessment and financing payment issuing operation based on the blockchain technology and supports multiparty participation and digital signature, the electronic seal verification module is used for verifying and verifying the authenticity and integrity of the accounts receivable and the mortgage financing, the electronic seal verification module is used for carrying out multiple verification on transactions by combining a biological identification technology, a digital certificate and a third party supporter, and the authorization and audit function module is used for verifying and recording the states and histories of accounts receivable and the mortgage financing transaction, and the interface and integration of the interface and integration module are used for carrying out automatic transmission and sharing of data with other management systems of the enterprises.
As a further aspect of the invention: the digital accounts receivable management module provides intelligent contracts for enterprises through a blockchain technology, the intelligent contracts are used for executing management transactions, the blockchain technology is used for automatically managing accounts receivable by combining artificial intelligence and an automation technology, the blockchain technology can provide an account book record which is decentralised and not tamperable, the security and the authenticity of accounts receivable are ensured, and the intelligent contracts are based on the automation contracts of the blockchain, and conditions and conventions of the transactions can be executed and executed.
As a further aspect of the invention: the knowledge graph is used for establishing a relation model among entities including clients, suppliers and products, and is provided with an intelligent recommendation and risk assessment module, a data association and query module and a data visualization module.
As a further aspect of the invention: the intelligent recommendation and risk assessment module provides intelligent risk assessment and accounts receivable management advice based on a knowledge graph reasoning and recommendation algorithm, the data association and query module associates data in the digital accounts receivable management system with external data sources, extracts and associates information related to clients, supply chains and market intelligence from a plurality of data sources through data association, provides more accurate accounts receivable analysis and decision support for enterprises, and the data visualization module presents associated information and insight of the accounts receivable management in a mode of converting knowledge graph data into graphical presentation.
Specifically, the blockchain technology set by the digital accounts receivable management module can realize traceable transaction history and authority-confirming processes by storing the accounts receivable information in the form of blockchain, reduce possibility of fraud and disputes, and can realize automatic management of accounts receivable through intelligent contracts, including automatic reminding of payment due, automatic clearing and settlement, reduce manual intervention and reduce management workload, collect and analyze a large amount of data through the digital accounts receivable management system, apply data analysis and prediction algorithm to provide risk assessment and prediction of accounts receivable, help enterprises manage recovery and prediction cash flow of accounts receivable better, and the digital accounts receivable management module combines with artificial intelligence and automation technology to realize automatic accounts receivable identification, invoice matching and account adjustment processes. In addition, by establishing a sharing platform for digital accounts receivable management, enterprises can share the accounts receivable information with suppliers, financial institutions and other partners in real time, which is helpful for strengthening communication and trust among the partners and improving the feasibility and efficiency of financing, the established knowledge graph can better understand and describe the background information of accounts receivable, including the relation between customer credit rating and suppliers, and the system for confirming accounts receivable and mortgage information for electronic seal can analyze the related information in the knowledge graph, including the relation between historical transaction and supply chain, provide risk early warning and payment recommendation for enterprises, help optimize the accounts receivable management and recovery efficiency, and correlate the data in the digital accounts receivable management system with external data sources to construct a more comprehensive knowledge graph, and the knowledge graph can display the related information of the accounts receivable management and the relation of the accounts receivable, help users better understand and better understand the complex account receivable and hidden relation and find the complex pattern and trend through a visual mode.
Example 2:
in embodiment 1, the digital accounts receivable management module is based on blockchain technology and a knowledge graph, and establishes a sharing platform for digital accounts receivable management, which is used for the enterprise to share and manage accounts receivable with suppliers, financial institutions and other partners in real time, wherein the accounts receivable aspect is combined with the knowledge graph to enhance the relevance of data, and security policies and countermeasures are also required to be enhanced for mortgage financing transaction and electronic seal verification.
Referring to fig. 1, in combination with the basis of embodiment 1, the mortgage financing transaction recording module performs online digital signature through multiparty participation and digital signature, and through digital signature technology, each party participating in the transaction can perform digital signature in the transaction recording, monitor, record and generate risk reports in real time, and the mortgage financing transaction recording module provides more accurate risk assessment and decision support by combining data analysis and risk assessment algorithm, and can assess credit risk of the financing party and value of the mortgage asset by analyzing the quality asset and market intelligence data, thereby providing more accurate information for financing decision.
As a further aspect of the invention: the electronic seal verification module is provided with an interactive verification interface, the interactive verification interface provides multiple verification means for comprehensive verification, reliability of verification results is guaranteed, the multiple verification means comprise a biological recognition technology, a digital certificate and a third party guarantee person, the biological recognition technology provides face recognition and fingerprint recognition, the third party guarantee person jointly verifies the electronic seal through both transaction parties and the guarantee person of both transaction parties, the interactive verification interface provides visual display and query, a user can clearly know verification processes and results, verification information and verification states are displayed through graphics, the user can rapidly judge verification effectiveness, and user experience and operation efficiency are improved.
Specifically, first, based on blockchain technology, a decentralised, transparent and non-tamperable record can be provided for mortgage financing transactions. By recording the details of the mortgage financing transaction, including the mortgage asset, the mortgage amount and the financing party, on the blockchain, the security, the authenticity and the traceability of the transaction can be ensured, and in the mortgage financing transaction, the intelligent contracts can automatically process the mortgage solution, the mortgage asset assessment and the financing money issuing operation, thereby reducing the manual intervention and improving the transaction efficiency. Therefore, the transaction process can be simplified, the transaction speed can be increased, the transaction risk can be reduced, and the mortgage financing transaction recording module provides more accurate risk assessment and decision support by utilizing the data analysis and the risk assessment algorithm. By analyzing the mortgage asset and the market information data, the credit risk of the sponsor and the value of the mortgage asset can be evaluated, more accurate information is provided for financing decision, real-time recording and real-time data updating can be performed in the process of financing transaction, and risk early warning and reporting can be generated according to the real-time data and monitoring, so that the risk condition of the transaction can be monitored and measures can be taken timely;
the electronic seal verification module is provided with an interactive verification interface, the interactive verification interface is provided with a camera, a microphone and a fingerprint identification instrument and is used for carrying out face identification and fingerprint identification, and a user can send verification information to a third party guarantee person through the interactive interface to help complete electronic seal verification, and the interactive verification interface provides visual display and inquiry, so that the user can quickly judge the verification effectiveness, and the user experience and the operation efficiency are improved.
Example 3:
in the embodiment 1, the mortgage financing transaction recording module performs mortgage financing on accounts receivable, and the mortgage financing transaction recording module automatically processes mortgage solution, mortgage asset evaluation and financing money issuing operation based on blockchain technology and supports multiparty participation and digital signature, while the electronic seal verification module is used for verifying and verifying the authenticity and integrity of accounts receivable and mortgage financing, and the electronic seal verification module combines with biological recognition technology, digital certificates and third party insurers to perform multiple verification on transactions, and the security of transaction information is protected by means of real-time data and monitoring and adding a multi-source verification mode, and the user privacy is also required to be enhanced by the verification and audit function module and the interface and the integration module.
Referring to fig. 1, in combination with the basis of embodiment 1 and embodiment 2, the validation and audit function module performs automated validation and audit processes based on the automation contracts of the blockchain, and the validation and audit function module ensures the integrity and consistency of data through data association in combination with knowledge graphs, the validation and audit function module applies data analysis and mining techniques, extracts valuable information and insight from a large amount of data, and provides more comprehensive analysis and evaluation for validation and audit, and the validation and audit function module is provided with privacy protection including data transmission, storage encryption and access control, the data transmission, storage encryption uses secure protocols (SSL) to encrypt data for data anonymization processing including desensitization processing, data generalization and anonymity identifiers, and the data transmission, storage encryption and blockchain techniques perform distributed storage, the access control is provided with an identity verification mechanism for verifying user identity, and the fine grain access control can enhance access rights control.
As a further aspect of the invention: the interface and the integrated module adopt an integrated mode of event driving and message queue, and can realize a loosely coupled integrated architecture by decoupling the event and message transmission between the systems, thereby improving the expandability and the responsiveness of the systems.
Specifically, the transparency and traceability of the data are realized by recording the information and operation related to the rights and audit on the blockchain, the data tampering and fraud are prevented, an automatic rights and audit process is realized by combining an intelligent contract, manual intervention is reduced, the operation efficiency is improved, and the rights and audit function module is combined with a knowledge graph to ensure the integrity and consistency of the data through data association, the rights and audit function module detects abnormal modes and potential risks by utilizing a data analysis algorithm, and provides corresponding decision support, in the aspect of privacy protection, a security protocol (SSL) is used for carrying out encryption transmission on the data, the data stored in a database or a file system is prevented from being eavesdropped or tampered in the transmission process, the data cannot be interpreted even under the condition of data disclosure, in addition, desensitization processing is carried out on sensitive data, the personal identity information is partially hidden or replaced by virtual data, so as to protect users, specific numerical values or information are converted into a more generalized form by a data generalization technology, so as to prevent specific identities and characteristics of the data from being identified by using an identity identifier, the data are kept in the aspect of protection of the data identity identifier, access control, the data access control of the user can be limited by the user, the data access control of the user can be authorized in the aspect of the data, the data access control of the specific roles and the user access control of the user's authorization, the data can be verified by the user's access control, and the user's access control of the data is authorized, the user's access control role is based on the specific data, the user's access control of the user's security is limited, and the user's access control is authorized, the user data can be authorized, and access control is used for the user data is authorized access control, the personal privacy of the user is enhanced;
the interface and the integration module adopt an integration mode of event driving and message queue, and can realize a loosely coupled integration architecture by decoupling event and message transmission between systems, thereby improving the expandability and the responsiveness of the systems.
The foregoing has shown and described the basic principles, principal features and advantages of the invention. It will be understood by those skilled in the art that the present invention is not limited to the above-described embodiments, and that the above-described embodiments and descriptions are only preferred embodiments of the present invention, and are not intended to limit the invention, and that various changes and modifications may be made therein without departing from the spirit and scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (6)
1. The utility model provides an receivables and mortgage financing system for electronic seal which characterized in that: the accounts receivable and mortgage financing and right confirming system for the electronic seal comprises a digital accounts receivable management module, a mortgage financing transaction recording module, an electronic seal verification module, a right confirming and auditing function module, an interface and an integration module;
the digital accounts receivable management module is based on a blockchain technology and a knowledge graph, and establishes a sharing platform for digital accounts receivable management, and is used for carrying out real-time sharing management on accounts receivable by enterprises and suppliers, financial institutions and other partners, the mortgage financing transaction recording module carries out mortgage financing on the accounts receivable, and the mortgage financing transaction recording module automatically processes mortgage solution, mortgage asset assessment and financing release operation based on the blockchain technology and supports multiparty participation and digital signature, the electronic seal verification module is used for ensuring and verifying the authenticity and integrity of the accounts receivable and the mortgage financing, and the electronic seal verification module carries out multiple verification on transactions by combining a biological identification technology, a digital certificate and a third party guarantor, and the ensuring and auditing function module is used for verifying and recording the states and histories of the accounts receivable and the mortgage financing transaction, and the interface and the integration module carries out automatic transmission and data sharing of the enterprises through other management systems;
the knowledge graph is used for establishing a relation model among entities including clients, suppliers and products, and is provided with an intelligent recommendation and risk assessment module, a data association and query module and a data visualization module;
the right and audit function module performs automatic right and audit flow based on an automatic contract of a blockchain, the right and audit function module combines the knowledge graph to ensure the integrity and consistency of data through data association, the right and audit function module applies a data analysis and mining technology to extract valuable information and insight from a large amount of data, the right and audit function module is provided with privacy protection, the privacy protection comprises data transmission, storage encryption and access control, the data transmission, storage encryption uses a security protocol to encrypt and transmit the data, data anonymization processing is performed, and the data transmission, storage encryption and blockchain technology are used for distributed storage, and the access control is provided with an identity verification mechanism and fine granularity access control.
2. The accounts receivable and mortgage financing system for an electronic seal of claim 1, wherein: the digital accounts receivable management module provides intelligent contracts to enterprises through the blockchain technology, the intelligent contracts are used for executing management transactions, and the blockchain technology is used for automatically managing accounts receivable by combining artificial intelligence and automation technology.
3. The accounts receivable and mortgage financing system for an electronic seal of claim 1, wherein: the intelligent recommendation and risk assessment module provides intelligent risk assessment and accounts receivable management advice, the data association and query module associates data in the digital accounts receivable management system with an external data source, and the data visualization module presents association information and insight of the accounts receivable management in a visual mode.
4. The accounts receivable and mortgage financing system for an electronic seal of claim 1, wherein: the mortgage financing transaction recording module carries out online digital signature through multiparty participation and digital signature, monitors, records and generates a risk report in real time, and provides more accurate risk assessment and decision support by combining data analysis and a risk assessment algorithm.
5. The accounts receivable and mortgage financing system for an electronic seal of claim 1, wherein: the electronic seal verification module is provided with an interactive verification interface, the interactive verification interface provides multiple verification means, the multiple verification means comprise a biological identification technology, a digital certificate and a third party guarantee person, the biological identification technology provides face identification and fingerprint identification, the third party guarantee person jointly verifies the electronic seal through both transaction parties and the guarantee person of both transaction parties, and the interactive verification interface provides visual display inquiry.
6. The accounts receivable and mortgage financing system for an electronic seal of claim 1, wherein: the interface and the integration module adopt an integration mode of event driving and message queue, and the interface and the integration module form a loosely coupled integration architecture by decoupling event and message passing between systems.
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