CN117541377A - Loan contract intelligent execution device based on digital wallet - Google Patents
Loan contract intelligent execution device based on digital wallet Download PDFInfo
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Abstract
The invention discloses a loan contract intelligent execution device based on a digital wallet, which relates to the technical field of digital wallets and the loan field, and comprises a loan data monitoring module, a contract monitoring execution module, an external data module and an organization digital wallet core module, wherein the loan data monitoring module is configured to verify loan evidence data and loan application data generated by the external data module, detect loan application and output detection results, and update repayment data; the contract monitoring execution module is configured to generate corresponding mother and child wallets based on loan application data, associate loan contracts with the mother and child wallets, and monitor the ingress and egress of funds from the mother and child wallets, and automatically charge according to the loan contracts and automatically complete the execution of the loan contracts when loan contract conditions are reached. The financial supply and risk management and control of multi-flow consistency in a real transaction background can be realized.
Description
Technical Field
The application relates to the technical field of digital wallets and the loan field, in particular to a loan contract intelligent execution device based on a digital wallet.
Background
According to the related regulations of the standard development supply chain finance, the supply chain finance is that from the whole supply chain industry chain, information such as logistics, fund flow, information flow and the like is integrated by using a financial technology means, under the real transaction background, a core enterprise and upstream and downstream enterprise integrated finance supply system and a risk assessment system which are dominant in the supply chain are constructed, a systematic finance solution is provided, and comprehensive requirements of settlement, financing, financial management and the like of enterprises on the industry chain are responded rapidly, so that the enterprise cost is reduced, and the value of each side of the industry chain is improved. The supply chain finance can effectively break through the blocking point of a middle and small enterprise in the industry chain, refer to the credit of a core enterprise in the industry chain, financing the middle and small enterprise in the industry chain, and can enable funds to flow in the industry chain.
The financial institutions of banking industry are encouraged to enlarge credit support for small and medium enterprises at the upstream of the industry chain in the manners of receivables, notes, order financing and the like, and credit support is provided for the small and medium enterprises at the downstream of the industry chain to acquire goods and pay the goods through bank acceptance draft, domestic credit card and prepayment financing, so that real estate and right mortgage financing is regularly developed. This is currently the most important measure to expand the need and support the entity economy.
However, in the aspect of the actual operation of the supply chain loan by the financial institutions, the enterprise qualification credits on the upstream and downstream of the supply chain core enterprise are difficult to identify, the real trade flow is difficult to control, the fund flow after the paying is difficult to track, the medium and small enterprises with more levels and more numbers cannot be reached, and the problems of diversification of the supply chain relation management, high-frequency complicacy of upstream and downstream combination, unclear fund application of loan, indistinct integration of multi-contract multi-loan funds, inconsistent logistics fund flow information flow and untimely account payment are existed.
Disclosure of Invention
The application provides an intelligent loan contract executing device based on a digital wallet, which is used for carrying out state tracking management on loan evidence data when loan application is carried out, automatically correlating the loan application data to generate the digital wallet and automatically loading the loan contract, automatically and continuously intelligently detecting the in-out path of wallet funds, and automatically executing the loan contract based on the detection of custom contract conditions so as to achieve financial supply and risk management and control of multi-flow consistency under the background of real transaction.
In a first aspect, an embodiment of the present application provides a digital wallet-based loan contract intelligent execution apparatus, including:
The loan data monitoring module is configured to verify the loan evidence data and the loan application data generated by the external data module, detect the loan application, output the detection result and update the repayment data;
the contract monitoring and executing module is configured to generate corresponding mother and child wallets based on loan application data, associate loan contracts with the mother and child wallets, monitor the entrance and exit of funds of the mother and child wallets, automatically charge according to the loan contracts and automatically complete the execution of the loan contracts when the loan contract conditions are met;
the external data module is configured to acquire credit data for the loan data monitoring module to check the loan application data, acquire business data for the loan data monitoring module to check the consistency of the business data and the loan evidence data, and acquire channel data to generate the loan evidence data and the loan application data;
an institution digital wallet core module configured to provide an underlying interface for generation, loading and execution of digital wallets.
With reference to the first aspect, in one embodiment,
the loan data monitoring module comprises a loan evidence data unit, a loan application data unit and a repayment data unit;
The loan evidence data unit is used for carrying out validity detection, consistency verification, state tracking and storage on the business data submitted by the external data module and the loan evidence data;
the loan application data unit is used for carrying out validity detection, consistency verification, state management and storage on the loan application data submitted by the external data module, and associating the loan application data with loan evidence data;
the loan use data unit is used for extracting and analyzing loan fund transaction data in the digital wallet and outputting a loan use result;
the repayment data unit is used for reminding and informing repayment links in the loan period and managing and storing repayment transaction data states.
With reference to the first aspect, in one embodiment,
the loan evidence data is a loan application basis, and the loan application basis is associated with a loan contract execution condition;
the loan evidence data unit is also used for managing evidence data of multiple financing types;
the credential data includes receivables data, purchase order data, inventory data, invoice data, contract data, delivery record data, payment record data;
The multi-financing type comprises receivables financing, bill financing, order financing, inventory financing and prepaid financing.
With reference to the first aspect, in one embodiment,
the loan application data unit is specifically used for acquiring contract application data and fund transaction data from the contract monitoring execution module, acquiring service data from the external data module, and outputting a monitoring result through application monitoring and data analysis;
the fund transaction data comprises transaction date and time, transaction amount, currency units, transaction type, transaction party information, transaction state, transaction reference number, transaction description, commission, transaction place, transaction channel, transaction serial number, account balance, transaction audit information, transaction exchange rate, transaction authorization information, risk assessment information, transaction classification, tax information, transaction additional files and compliance information;
the transaction party information includes account or user information of the initiator and account or user information of the payee.
With reference to the first aspect, in one embodiment,
the contract monitoring execution module comprises a mother wallet unit, a child wallet unit, a loan contract unit, a wallet monitoring unit, a charging management unit and a contract intelligent execution unit;
The mother wallet unit and the child wallet unit are used for creating an associated mother wallet and a sub wallet after the loan application approval passes, and receiving loan funds for entry;
the loan contract unit loads a loan contract when the mother and child wallet unit creates the child wallet, and manages the state of the loan contract.
With reference to the first aspect, in one embodiment,
the wallet monitoring unit is used for monitoring wallet fund transaction data in real time, analyzing transaction party information, transaction amount, transaction type and transaction description in fund data to be used as analysis basis of the loan data monitoring module, analyzing the transaction party information, the transaction amount, the transaction type and the transaction description in fund data to be used as condition judgment of loan contract execution, wherein the fund transaction data comprises fund outputting data and fund outputting data;
the charging management unit is used for calculating a payment transaction amount for loan contract information loaded by the wallet, wherein the payment transaction amount comprises cost, interest, payable amount and payable amount;
the contract intelligent executing unit is used for automatically generating a payment transaction and executing the payment based on the calculation of the charging management unit after the contract condition is met based on the contract condition of the loan contract unit and the monitoring data of the wallet monitoring unit, wherein the payment transaction comprises a directional payment transaction and a repayment transaction.
With reference to the first aspect, in an implementation manner, in the contract monitoring execution module, for associating loan credential data to a loan contract, a specific process includes:
associating a contract monitoring execution module based on the loan data monitoring module;
associating, at a loan application management unit, loan application data based on the loan credential data of the loan credential data unit in the loan data monitoring module;
generating mother and child wallet data associated with the loan data in the mother and child wallet units when the loan application data state is the verification passing according to the loan state of the loan application data unit, wherein each piece of loan application data is associated with the corresponding mother and child wallet data;
an associated loan contract is generated at a loan contract unit based on the sub-wallet data of the parent-child wallet unit in combination with the loan data of the loan application data unit.
With reference to the first aspect, in an implementation manner, in the contract monitoring execution module, for executing from loan contracts to contracts, a specific process includes:
acquiring a loan evidence data state according to a loan evidence data unit in a loan data monitoring module;
acquiring a loan application data state according to a loan application data unit in a loan data monitoring module;
Based on a wallet monitoring unit in the contract monitoring execution module, acquiring an account entry transaction state in the fund transaction data;
consistency verification is performed based on the loan credential data state, the loan application data state, and the funds transaction data;
invoking a billing management unit to calculate a payment transaction amount based on the loan contract data of the loan contract unit;
and automatically generating a payment transaction and executing the payment based on the contract intelligent executing unit, updating the loan contract data state of the loan contract unit, and updating the repayment data state of the repayment data unit in the loan data monitoring module.
With reference to the first aspect, in one embodiment,
the loan contract unit comprises a plurality of loan contract contents;
the loan contract content comprises contracted payment objects, payment purposes, payment time and repayment modes;
the loan contract unit is also configured to write the loan contract content to a sub-wallet of the corresponding digital wallet.
With reference to the first aspect, in one embodiment,
the external data module comprises a credit unit, a business data unit and a channel data unit;
the credit unit is used for acquiring loan basic information data and approval data;
The service data unit is used for acquiring service data from the service interaction system;
the channel data unit is used for submitting loan evidence data and loan application data to the loan data monitoring module through one or more of the Internet, the enterprise interior and the supply chain platform, and meanwhile, the repayment management data state can be returned to the external data module.
The beneficial effects that technical scheme that this application embodiment provided include:
the method can automatically correlate loan application data to generate a digital wallet, automatically load loan contracts, automatically and continuously intelligently detect the paths of money in and out of the wallet, and automatically execute the loan contracts based on the detection of custom contract conditions so as to achieve financial supply and risk management and control of multi-stream consistency in the background of real transaction.
Drawings
FIG. 1 is a schematic diagram of a digital wallet-based loan contract intelligent execution device;
FIG. 2 is a flow chart of associating loan credential data to a loan contract in a contract monitoring execution module;
FIG. 3 is a flow chart for correlating loan credential data to loan contract data in the flow of digital wallet-associated loan contract generation;
FIG. 4 is a flow chart of a digital wallet-based loan contract intelligence implementation;
FIG. 5 is a flow chart of loan use monitoring;
fig. 6 is a schematic diagram of the hardware architecture of a digital wallet-based loan contract intelligent execution device.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will clearly and completely describe the technical solution in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.
For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
In a first aspect, an embodiment of the present application provides a digital wallet-based loan contract intelligent execution apparatus.
In an embodiment, referring to fig. 1, fig. 1 is a schematic structural diagram of a loan contract intelligent execution device based on a digital wallet of the present application. As shown in fig. 1, the digital wallet-based loan contract intelligent execution apparatus includes a loan data monitoring module, a contract monitoring execution module, an external data module, and an institution digital wallet core module.
The loan data monitoring module is configured to verify the loan evidence data and the loan application data generated by the external data module, detect the loan application and output the detection result, and update the repayment data. The loan data monitoring module is mainly used for follow-up management of the life cycle of the loan data.
The contract monitoring execution module is configured to generate corresponding mother and child wallets based on loan application data, associate loan contracts with the mother and child wallets, and monitor the ingress and egress of funds from the mother and child wallets, and automatically charge according to the loan contracts and automatically complete the execution of the loan contracts when loan contract conditions are reached.
And the external data module is configured to acquire credit data for the loan data monitoring module to check the loan application data, acquire business data for the loan data monitoring module to check the consistency of the business data and the loan evidence data, and acquire channel data to generate the loan evidence data and the loan application data.
The institution digital wallet core module is the base of the contract monitoring execution module, and is configured to provide an underlying interface for generation, loading, and execution of digital wallets.
Specifically, in the application, the external data module is applicable to terminals or platforms of different customer groups to access a loan contract intelligent execution system, and is used for submitting loan evidence data and loan application data, and providing credit data and business data to assist in verifying consistency and updating states. Wherein, the loan evidence data is taken as an example of the financing of the accounts receivable, including customer information (customer name, customer number/code, customer contact, customer address), sales order information (order number, order date, delivery date, order amount, order status), shipping and delivery information (shipping date, delivery mode, logistics company/transportation mode, tracking number/order number), goods/services information (goods/services name, goods/services number, quantity, unit price, total price), fees and discounts (shipping cost, tax, discount amount, discount description), collection information (collection date, collection amount, collection mode), payment terms and conditions (payment terms, payment conditions, overdue interest/fine), payment terms settlement and accounting information (accounts receivable balance, outstanding balance, settlement date, settlement means), financial and accounting information (accounting codes, accounting period, financial classification), transaction remarks and accessories (remarks/transaction description, related accessories), financial audit information (audit date, audit institution, audit result), customer credit assessment information (credit line, credit rating, recent payment history), tracking and notification information (reminder payment date, overdue notification, credit notification), arrearage history (arrearage agent report, arrearage history trend), customer statement and statement information (statement number, statement date, statement result, and (5) account checking difference processing). Note that, the loan credential data and the loan application data are many-to-many association relationships.
Loan application data includes business information (business name, business registration information, belonging industry, business scope, business contacts and contact), financial information (recent financial statement (profit statement, liability statement, cash flow statement), financial index (gross profit, net profit, liability, etc.), recent financial trend analysis), accounts receivable information (accounts receivable total, accounts payable client list and account payable details, accounts payable reporting, risk assessment of accounts receivable), financing demand (application financing amount, financing usage description), customer information (accounts payable client information, accounts payable client credit assessment, customer payment history record), account management and risk control measures (management policy of accounts receivable, accounts payable, account payable measures, bad preparation fund setting method and amount), contract and transaction information (sales contract with clients, transaction order and shipping information, ticket issuing and shipping information), supply chain partner information (supplier information, other partnership), risk and guarantee information (risk assessment report, collateral/guarantee item, accounts support document, bank account support document and other account document, account document-related information, bank account document-related information, business account document, etc.), account document-related information, and business document-related information (business document and other records). It should be noted that, the specific information included in the loan credential data and the loan application data is only an exemplary presentation, and other information may be extended or adjusted as needed.
Specifically, the loan data monitoring module is used for verifying the loan evidence data and the loan application data generated by the external data module, detecting the loan application and outputting the result, and updating the state of the repayment data, which is mainly the life cycle follow-up management of the loan data. It should be understood that, in the embodiment of the present application, the external data module provides a source of correctness verification for the basic data required by the loan data monitoring module, that is, the loan data monitoring module verifies the loan credential data and the loan application data based on the prestored data (such as correct credit data, business data, etc.) in the external data module, so as to confirm the authenticity of the data and whether the loan application is passed, generate digital sub-wallet-associated loan contract data, and further detect the loan use according to the prestored data (such as correct business data, etc.) in the external data module, so as to generate the loan use monitoring result.
Through the digital wallet-based loan contract intelligent execution device, the digital wallet can be automatically generated by automatically correlating loan application data, loan contracts can be automatically loaded, automatic and continuous intelligent detection is carried out on the paths of money in and out of the wallet, and automatic execution of the loan contracts is completed based on detection of custom contract conditions so as to achieve financial supply and risk management and control of multi-stream consistency under the background of real transaction.
Further, in one embodiment, the loan data monitoring module includes a loan credential data unit, a loan application data unit, a loan usage data unit, and a repayment data unit.
The loan evidence data unit is used for carrying out validity detection, consistency verification, state tracking and storage on the business data submitted by the external data module and the loan evidence data. Specifically, the loan evidence data unit is used for receiving the loan evidence data submitted by the external data module channel data unit, checking the validity of the loan evidence data, checking the consistency of client information according to the business data unit in the external data module, checking the consistency of the loan evidence data according to the credit unit in the external data module, and carrying out state tracking and storage on the loan evidence data.
The loan application data unit is used for carrying out validity detection, consistency verification, state management and storage on the loan application data submitted by the external data module, and associating the loan application data with loan evidence data.
The loan use data unit is used for extracting and analyzing loan funds transaction data in the digital wallet and outputting a loan use result. The loan application data unit is specifically used for acquiring the contract application data and the fund transaction data from the contract monitoring execution module, acquiring the service data from the external data module, outputting a monitoring result through application monitoring and data analysis, specifically acquiring the contract application data from the loan contract unit of the contract monitoring execution module, acquiring the fund transaction data from the wallet monitoring unit, comprising a transaction payment object and a payment amount, acquiring the service data by combining the service data unit of the external data module, and outputting the monitoring result after application monitoring and data analysis and displaying in a chart form. ,
The funds transaction data includes transaction date and time, transaction amount, monetary units, transaction type, transaction party information, transaction status, transaction reference number, transaction description, commission, transaction location, transaction channel, transaction serial number, account balance, transaction audit information, transaction rate, transaction authorization information, risk assessment information, transaction classification, tax information, transaction attachment file, compliance information. Specifically, the loan use data unit obtains transaction data of corresponding loan funds through the master wallet unit and the slave wallet monitoring unit in the contract monitoring execution module, and includes transaction date and time, transaction amount, currency unit, transaction type, transaction party information (initiator account/user information, payee account/user information), transaction state, transaction reference number, transaction description, handling fee, transaction place, transaction channel, transaction serial number, account balance, transaction audit information, transaction exchange rate, transaction authorization information, risk assessment information, transaction classification, tax information, transaction additional file, compliance information, and then extracts and analyzes the funds transaction data, and outputs loan use result data, wherein the loan use result data includes loan application number, loan use description, loan amount, currency unit, repayment term, repayment plan (repayment amount, repayment frequency and repayment date), borrower information (borrower name, borrower contact information, borrower employment status,), use subdivision, industry/field, loan use code, plan or expenditure, risk assessment, compliance information, use history information, use change file. It should be noted that the loan funds transaction data and the loan use result data are merely exemplary presentations, and other information may be extended or adjusted as needed.
The repayment data unit is used for reminding and informing repayment links in the loan period and managing and storing repayment transaction data states. Specifically, the repayment transaction data includes repayment date and time, repayment amount, currency unit, repayment type, repayment source, loan account information (loan account number, borrower name or identification information), repayment account information (repayment account number, repayment person name or identification information), repayment status, repayment channel, repayment transaction reference number, repayment description, commission fee, repayment place, repayment authorization information, repayment audit information, repayment remittance rate, repayment plan, risk assessment information and compliance information. It should be noted that the repayment transaction data is only an exemplary presentation, and other information may be extended or adjusted as required.
The loan evidence data unit is also used for managing evidence data of multiple financing types; the credential data includes receivables data, purchase order data, inventory data, invoice data, contract data, delivery record data, payment record data; the loan evidence data is a loan application basis, and the loan application basis is associated with a loan contract execution condition; the multiple financing types include receivables financing, ticket financing, order financing, inventory financing, prepaid financing.
Further, in this embodiment of the present application, taking the fund-to-be-received data in the loan credential data type as an example, the customer takes the fund-to-be-received data as the loan credential data, initiates a loan application and examines and approves the loan, and after the loan funds enter a sub-wallet funded by the fund-to-be-received data and are associated with a loan contract, the loan contract agrees, and in the fund-to-be-received data, if the account status is settled, that is, the upstream customer has paid the account, the account is deposited into the sub-wallet, the loan contract is automatically executed, and after accounting by the charging management unit is invoked, a repayment transaction is generated, and automatic repayment is performed. Wherein, when the accounts receivable is used for financing, the receivables data includes customer information (customer name, customer number/code, customer contact, customer address), sales order information (order number, order date, delivery date, order amount, order status), shipping and delivery information (shipping date, delivery mode, logistics company/mode of transportation, tracking number/order number), goods/services information (goods/services name, goods/services number, quantity, unit price, total price), fees and discounts (shipping cost, tax, discount amount, discount description), collection information (collection date, collection amount, collection mode), payment terms and conditions (payment terms, payment conditions, overdue interest rate/fines) settlement and accounting information (accounts receivable balance, outstanding balance, settlement date, settlement means), financial and accounting information (accounting codes, accounting period, financial classification), transaction notes and accessories (notes/transaction description, related accessories), financial audit information (audit date, audit institution, audit result), customer credit assessment information (credit line, and/or other information credit rating, recent payment history), tracking and notification information (remit payment date, overdue notification, remittance notification), arrearage history (arrearage posting report, arrearage history trend), customer statement and statement information (statement number, statement date, statement result, statement difference processing) to be noted, the receivables data described above is merely an example presentation and other information may be augmented or adjusted as desired if other types of data are financing (e.g., purchase order data, inventory data, invoice data, contract data, delivery record data, payment record data, etc.).
Further, in an embodiment, the contract monitoring execution module includes a mother and child wallet unit, a loan contract unit, a wallet monitoring unit, a billing management unit, and a contract intelligent execution unit.
The mother and child wallet units are used to create an associated mother wallet and child wallet after the loan application approval passes, and to receive loan funds for entry. The digital wallet data arranged in the mother wallet unit comprises wallet information, mother wallet ID, child wallet ID, wallet name, wallet level, wallet change type, wallet state, wallet opening mode, wallet type, certificate number, client name, client mobile phone, client mailbox, certificate expiration date, enterprise name, unified social credit code, wallet balance upper limit, wallet single transaction upper limit, wallet current transaction remaining upper limit, wallet year transaction upper limit and business information.
The loan contract unit loads the loan contract when the mother and child wallet units create the child wallet, manages the state of the loan contract, and maintains consistency of the loan contract data with the agency application management unit data in the loan data monitoring module.
The wallet monitoring unit is used for monitoring wallet fund transaction data in real time, analyzing transaction party information, transaction amount, transaction type and transaction description in fund data as analysis basis of the loan data monitoring module, analyzing the transaction party information, the transaction amount, the transaction type and the transaction description in fund data as condition judgment of loan contract execution, wherein the fund transaction data comprises fund outputting data and fund outputting data.
The charging management unit is used for calculating a payment transaction amount for the loan contract information loaded by the wallet, wherein the payment transaction amount comprises cost, interest, payable amount and payable amount. Taking the smart contract as a payment sum, the account management unit calculates the generated payable data including loan information (loan number, loan type, loan amount, loan interest rate, loan period, loan start date, repayment frequency, repayment mode), repayment date, payable principal, repayment, payable total, remaining principal, repayment total, remaining repayment period number, repayment state, whether repayment, whether overdue, overdue days, fee management (advance repayment fee, overdue penalty, late fee, other fine or fee), repayment date, actual payment amount, repayment channel, repayment state, settlement information (settlement date, actual settlement amount, advance settlement fee).
The contract intelligent executing unit is used for automatically generating a payment transaction and executing the payment based on the calculation of the charging management unit after the contract condition is met based on the contract condition of the loan contract unit and the monitoring data of the wallet monitoring unit, wherein the payment transaction comprises a directional payment transaction and a repayment transaction. It should be noted that the foregoing payable data is merely an exemplary presentation, and other information may be extended or adjusted as needed.
Further, the loan contract unit includes a plurality of loan contract contents; the loan contract content comprises contracted payment objects, payment purposes, payment time and repayment modes; the loan contract unit is also for writing the loan contract content to a sub-wallet of the corresponding digital wallet.
Taking a repayment contract example in a loan contract type, a client takes receivables data as loan evidence data, after a loan application is initiated and the loan is approved and paid, loan funds enter a sub wallet financing the receivables data and are associated with the loan contract, the loan contract type is agreed to be a repayment contract, the agreed repayment contract condition is that the account state in the receivables data is settled, namely, the upstream client has paid the account, the account is posted to the sub wallet, the repayment contract is automatically executed, a repayment transaction is generated after accounting by a charging management unit is called, and the repayment is automatically carried out. The repayment transaction data comprises repayment date and time, repayment amount, currency units, repayment types, repayment sources, loan account information (loan account number, borrower name or identification information), repayment account information (repayment account number, repayment name or identification information), repayment state, repayment channel, repayment transaction reference number, repayment description, commission fee, repayment place, repayment authorization information, repayment audit information, repayment exchange rate, repayment plan, risk assessment information and compliance information. It should be noted that the repayment transaction data is only an exemplary presentation, and if other types of loan contracts (such as directional payment, payment limitation, etc.), other information may be extended or adjusted as needed.
Further, in an embodiment, the external data module includes a credit unit, a business data unit, and a channel data unit; the credit unit is used for acquiring loan basic information data and approval data; the service data unit is used for acquiring service data from the service interaction system; the channel data unit is used for submitting loan evidence data and loan application data to the loan data monitoring module through one or more of the Internet, the enterprise interior and the supply chain platform, and meanwhile, the repayment management data state can be returned to the external data module.
Specifically, the credit unit is used for obtaining the loan data such as the loan number, the borrower name, the loan account number, the loan type, the loan organization, the loan amount, the approval state and the like; the business data unit is used for acquiring business data such as information of tourists, customer relations, contracts, sales orders, purchase orders, payment orders, logistics, inventory, bills and the like on the supply chain from the business interaction system. It should be noted that, the information included in the credit data and the service data is only an exemplary presentation, and other information may be extended or adjusted as required.
In the application, the external data module is communicated with the loan data monitoring module, the loan data monitoring module is communicated with the contract monitoring execution module, and the contract monitoring execution module is communicated with the digital wallet core module of the organization so as to automatically correlate loan application data to generate a digital wallet and automatically load loan contracts, automatically and continuously intelligently detect the access paths of wallet funds, and automatically execute the loan contracts based on the detection of custom contract conditions so as to achieve financial supply and risk management and control of multi-flow consistency under the background of real transaction.
Further, in one embodiment, referring to fig. 2, in the contract monitoring execution module, for associating loan credential data to a loan contract, the specific process includes:
s101: associating a contract monitoring execution module based on the loan data monitoring module;
s102: associating, at a loan application management unit, loan application data based on the loan credential data of the loan credential data unit in the loan data monitoring module;
s103: generating mother and child wallet data associated with the loan data in the mother and child wallet units when the loan application data state is the verification passing according to the loan state of the loan application data unit, wherein each piece of loan application data is associated with the corresponding mother and child wallet data;
s104: an associated loan contract is generated at a loan contract unit based on the sub-wallet data of the parent-child wallet unit in combination with the loan data of the loan application data unit.
Further, in an embodiment, referring to fig. 3, in the process of generating the digital wallet-associated loan contract, the method specifically includes the following steps for associating loan credential data to loan contract data:
s201: submitting the target client loan evidence data to a loan data monitoring module based on the external data module;
S202: after the loan evidence data is successfully verified, storing the loan evidence data into a loan evidence data unit;
s203: submitting the target customer loan application data to a loan data monitoring module based on the external data module;
s204: the loan application data corresponding to the associated loan application data is stored in a loan application data unit after being verified successfully;
s205: inquiring and acquiring the loan state of the auditing result based on the credit data of the credit unit in the external data module, and updating the loan application data;
s206: a master wallet unit and a slave wallet unit of the execution module are monitored through the associated contract based on the loan status of the loan application data in the loan application data unit;
s207: when the loan status in the loan application data is passed, generating sub-wallet data associated with the loan application data based on the mother and child wallet units of the contract monitoring execution module, and associating the sub-wallet data to the mother wallet;
s208: the associated loan contract data is generated at the loan contract unit based on the sub-wallet data of the parent-child wallet unit in combination with the loan data of the loan application data unit.
Specifically, the client may submit the loan evidence data through the channel data unit of the external data module, and the loan data monitoring module checks the data and stores the data into the loan evidence data unit; then submitting loan application data corresponding to the loan evidence data through a channel data unit of the external data module, and after receiving the data, the loan data monitoring module checks successfully and stores the data into the loan application data unit and associates the data with the data of the loan evidence data unit; when the loan state in the loan application data is passed, generating sub-wallet data of the associated loan application data by a mother-child wallet unit of the contract monitoring execution module, wherein the sub-wallet data is used for receiving the transfer of loan funds and is associated with a mother wallet of a client; it can be understood that, in combination with the loan data of the loan application data unit, the loan contract unit in the contract monitoring execution module generates the loan contract data and loads the loan contract data on the corresponding sub-wallet in the mother and child wallet units; therefore, the loan evidence data and loan application data of the clients reach the master wallet data, the slave wallet data and the loan contract data, and the multi-stream association relationship is achieved.
According to the embodiment of the application, the digital wallet can be automatically generated by automatically correlating loan application data, loan contracts can be automatically loaded, automatic and continuous intelligent detection is carried out on the paths of money in and out of the wallet, and the financial supply and risk management and control of multi-stream consistency under the background of real transaction are achieved on the basis of detection of custom contract conditions and automatic execution of loan contracts.
Further, in one embodiment, referring to fig. 4, the smart implementation process for digital wallet-based loan contracts specifically includes the following steps:
s301: acquiring a loan evidence data state according to a loan evidence data unit in a loan data monitoring module; taking loan receipt data as account receivable data as an example, the customer is K001, the sales order number is X001, the order amount is 100 RMB, the account receivable information is 2023, 10 and 1 day of online banking transfer is transferred to 100 RMB, the settlement and accounting information is that the account receivable is not balanced 0, and the settlement state is settled.
S302: acquiring a loan application data state according to a loan application data unit in a loan data monitoring module; taking loan evidence data as accounts receivable data, the accounts receivable financing is taken as an example, the client is K001, the sales order number X001, the order amount is 100 RMB, 50 RMB is applied for loan, and the auditing state is passed.
S303: based on a wallet monitoring unit in the contract monitoring execution module, acquiring an account entry transaction state in the fund transaction data; taking the financing of accounts receivable as an example, the upstream customer settles accounts to a contract sub-wallet, the transaction date 2023 is 10 months 1 day, the transaction amount is 100 RMB, the transaction type is online banking transfer, the transaction party information is customer K001, the transaction state is completed, the transaction serial number is J001, the sub-wallet number Z001 is associated with the accounts receivable order X001.
S304: consistency verification is performed based on the loan credential data state, the loan application data state, and the funds transaction data; for example, the loan credential data status is settled and the posting transaction of the funds transaction data is completed; the order number in the loan evidence data and the sub-wallet number in the funds transaction data are in a corresponding relationship.
S305: based on the contract data of the loan contract unit, calling the charging management unit to calculate the payment transaction amount, including the cost, interest, payable amount and payable amount; taking the contract type loaded by the sub wallet as a repayment contract example, the loan number D001, the loan type accounts receivable financing, the loan amount of 50 ten thousand RMB, the interest rate of XX, the loan period of YY and the total amount of 55 ten thousand RMB.
S306: automatically generating a payment transaction and executing the payment based on the contract intelligent execution unit; and generating a repayment transaction data with the contract type as a repayment contract example, wherein the amount of the repayment transaction data is 55 RMB, performing repayment, and transferring funds from a client sub-wallet to a repayment account agreed by a loan contract.
S307: updating the loan contract data state of the loan contract unit based on the contract data state, and updating the repayment data state of the repayment data unit in the loan data monitoring module; for example, after execution is completed, updating the contract data state of the corresponding loan contract unit to that the contract has been executed; and updating the repayment data state of the corresponding repayment data unit to be repayment.
Further, in one embodiment, referring to fig. 5, the process of monitoring the loan application specifically includes the following steps:
s401: a wallet monitoring unit based on a contract monitoring execution module acquires fund transaction data;
s402: parsing the funds transaction data (including transaction withdrawal objects, withdrawal amounts, uses); for example, the raw material producer company a, which is the subject of the analysis transaction, adds up 50 ten thousand RMB to the deposit amount, and uses the raw material purchase.
S403: a loan contract unit based on the contract monitoring execution module acquires the contract use data; for example, the contracted loan use in the loan contract data of the loan contract unit is production, raw material purchasing.
S404: acquiring service data based on a service data unit of an external data module; for example, a business data unit in an external data module is queried to obtain that there is a cooperative relationship between the source material producer company a and the customer, and a historical raw material purchase contract exists.
S405: performing comparison data analysis;
s406: and outputting the monitoring result and visually displaying. For example, the comparison results in 100% of the funds in the loan funds being used in accordance with the use convention in the loan contract.
In a second aspect, an embodiment of the present application provides a digital wallet-based loan contract intelligent execution device, configured to implement the above-described processes from loan evidence data correlation to loan contract data, digital wallet-based loan contract intelligent execution, and loan usage monitoring. The digital wallet-based loan contract intelligent execution device may be a personal computer (personal computer, PC), a notebook computer, a server, or the like, which has a data processing function.
Referring to fig. 6, fig. 6 is a schematic diagram of a hardware structure of a digital wallet-based loan contract intelligent execution device according to an embodiment of the present application. In an embodiment of the application, a digital wallet-based loan contract intelligent execution device may include a processor, a memory, a communication interface, and a communication bus.
The communication bus may be of any type for implementing the processor, memory, and communication interface interconnections.
The communication interfaces include input/output (I/O) interfaces, physical interfaces, logical interfaces, and the like for implementing device interconnection inside the digital wallet-based loan contract smart execution apparatus, and interfaces for implementing interconnection of the digital wallet-based loan contract smart execution apparatus with other apparatuses (e.g., other computing apparatuses or user apparatuses). The physical interface may be an ethernet interface, a fiber optic interface, an ATM interface, etc.; the user device may be a Display, a Keyboard (Keyboard), or the like.
The memory may be various types of storage media such as random access memory (randomaccess memory, RAM), read-only memory (ROM), nonvolatile RAM (non-volatileRAM, NVRAM), flash memory, optical memory, hard disk, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (electrically erasable PROM, EEPROM), and the like.
The processor may be a general purpose processor that may invoke the digital wallet-based loan contract intelligent execution program stored in the memory. For example, the general purpose processor may be a central processing unit (central processing unit, CPU).
Those skilled in the art will appreciate that the hardware configuration shown in fig. 6 is not limiting of the application and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
The terms "comprising" and "having" and any variations thereof in the description and claims of the present application and in the foregoing drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus. The terms "first," "second," and "third," etc. are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order, and are not limited to the fact that "first," "second," and "third" are not identical.
In the description of embodiments of the present application, "exemplary," "such as," or "for example," etc., are used to indicate an example, instance, or illustration. Any embodiment or design described herein as "exemplary," "such as" or "for example" is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, the use of words such as "exemplary," "such as" or "for example," etc., is intended to present related concepts in a concrete fashion.
In the description of the embodiments of the present application, unless otherwise indicated, "/" means or, for example, a/B may represent a or B; the text "and/or" is merely an association relation describing the associated object, and indicates that three relations may exist, for example, a and/or B may indicate: the three cases where a exists alone, a and B exist together, and B exists alone, and in addition, in the description of the embodiments of the present application, "plural" means two or more than two.
In some of the processes described in the embodiments of the present application, a plurality of operations or steps occurring in a particular order are included, but it should be understood that these operations or steps may be performed out of the order in which they occur in the embodiments of the present application or in parallel, the sequence numbers of the operations merely serve to distinguish between the various operations, and the sequence numbers themselves do not represent any order of execution. In addition, the processes may include more or fewer operations, and the operations or steps may be performed in sequence or in parallel, and the operations or steps may be combined.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising several instructions for causing a terminal device to perform the method described in the various embodiments of the present application.
The foregoing description is only of the preferred embodiments of the present application, and is not intended to limit the scope of the claims, and all equivalent structures or equivalent processes using the descriptions and drawings of the present application, or direct or indirect application in other related technical fields are included in the scope of the claims of the present application.
Claims (10)
1. A digital wallet-based loan contract intelligent execution apparatus, characterized in that the digital wallet-based loan contract intelligent execution apparatus includes:
the loan data monitoring module is configured to verify the loan evidence data and the loan application data generated by the external data module, detect the loan application, output the detection result and update the repayment data;
the contract monitoring and executing module is configured to generate corresponding mother and child wallets based on loan application data, associate loan contracts with the mother and child wallets, monitor the entrance and exit of funds of the mother and child wallets, automatically charge according to the loan contracts and automatically complete the execution of the loan contracts when the loan contract conditions are met;
the external data module is configured to acquire credit data for the loan data monitoring module to check the loan application data, acquire business data for the loan data monitoring module to check the consistency of the business data and the loan evidence data, and acquire channel data to generate the loan evidence data and the loan application data;
An institution digital wallet core module configured to provide an underlying interface for generation, loading and execution of digital wallets.
2. The digital wallet-based loan contract intelligent execution apparatus of claim 1, wherein:
the loan data monitoring module comprises a loan evidence data unit, a loan application data unit and a repayment data unit;
the loan evidence data unit is used for carrying out validity detection, consistency verification, state tracking and storage on the business data submitted by the external data module and the loan evidence data;
the loan application data unit is used for carrying out validity detection, consistency verification, state management and storage on the loan application data submitted by the external data module, and associating the loan application data with loan evidence data;
the loan use data unit is used for extracting and analyzing loan fund transaction data in the digital wallet and outputting a loan use result;
the repayment data unit is used for reminding and informing repayment links in the loan period and managing and storing repayment transaction data states.
3. The digital wallet-based loan contract intelligent execution apparatus of claim 2, wherein:
The loan evidence data is a loan application basis, and the loan application basis is associated with a loan contract execution condition;
the loan evidence data unit is also used for managing evidence data of multiple financing types;
the credential data includes receivables data, purchase order data, inventory data, invoice data, contract data, delivery record data, payment record data;
the multi-financing type comprises receivables financing, bill financing, order financing, inventory financing and prepaid financing.
4. The digital wallet-based loan contract intelligent execution apparatus of claim 2, wherein:
the loan application data unit is specifically used for acquiring contract application data and fund transaction data from the contract monitoring execution module, acquiring service data from the external data module, and outputting a monitoring result through application monitoring and data analysis;
the fund transaction data comprises transaction date and time, transaction amount, currency units, transaction type, transaction party information, transaction state, transaction reference number, transaction description, commission, transaction place, transaction channel, transaction serial number, account balance, transaction audit information, transaction exchange rate, transaction authorization information, risk assessment information, transaction classification, tax information, transaction additional files and compliance information;
The transaction party information includes account or user information of the initiator and account or user information of the payee.
5. The digital wallet-based loan contract intelligent execution apparatus of claim 2, wherein:
the contract monitoring execution module comprises a mother wallet unit, a child wallet unit, a loan contract unit, a wallet monitoring unit, a charging management unit and a contract intelligent execution unit;
the mother wallet unit and the child wallet unit are used for creating an associated mother wallet and a sub wallet after the loan application approval passes, and receiving loan funds for entry;
the loan contract unit loads a loan contract when the mother and child wallet unit creates the child wallet, and manages the state of the loan contract.
6. The digital wallet-based loan contract intelligent execution apparatus of claim 5, wherein:
the wallet monitoring unit is used for monitoring wallet fund transaction data in real time, analyzing transaction party information, transaction amount, transaction type and transaction description in fund data to be used as analysis basis of the loan data monitoring module, analyzing the transaction party information, the transaction amount, the transaction type and the transaction description in fund data to be used as condition judgment of loan contract execution, wherein the fund transaction data comprises fund outputting data and fund outputting data;
The charging management unit is used for calculating a payment transaction amount for loan contract information loaded by the wallet, wherein the payment transaction amount comprises cost, interest, payable amount and payable amount;
the contract intelligent executing unit is used for automatically generating a payment transaction and executing the payment based on the calculation of the charging management unit after the contract condition is met based on the contract condition of the loan contract unit and the monitoring data of the wallet monitoring unit, wherein the payment transaction comprises a directional payment transaction and a repayment transaction.
7. The digital wallet-based loan contract intelligent execution apparatus of claim 6, wherein the contract monitoring execution module associates loan credential data to a loan contract, comprising:
associating a contract monitoring execution module based on the loan data monitoring module;
associating, at a loan application management unit, loan application data based on the loan credential data of the loan credential data unit in the loan data monitoring module;
generating mother and child wallet data associated with the loan data in the mother and child wallet units when the loan application data state is the verification passing according to the loan state of the loan application data unit, wherein each piece of loan application data is associated with the corresponding mother and child wallet data;
An associated loan contract is generated at a loan contract unit based on the sub-wallet data of the parent-child wallet unit in combination with the loan data of the loan application data unit.
8. The intelligent loan contract executing device based on the digital wallet as set forth in claim 6, wherein the contract monitoring executing module, for executing from loan contract to contract, comprises the following specific procedures:
acquiring a loan evidence data state according to a loan evidence data unit in a loan data monitoring module;
acquiring a loan application data state according to a loan application data unit in a loan data monitoring module;
based on a wallet monitoring unit in the contract monitoring execution module, acquiring an account entry transaction state in the fund transaction data;
consistency verification is performed based on the loan credential data state, the loan application data state, and the funds transaction data;
invoking a billing management unit to calculate a payment transaction amount based on the loan contract data of the loan contract unit;
and automatically generating a payment transaction and executing the payment based on the contract intelligent executing unit, updating the loan contract data state of the loan contract unit, and updating the repayment data state of the repayment data unit in the loan data monitoring module.
9. The digital wallet-based loan contract intelligent execution apparatus of claim 6, wherein:
the loan contract unit comprises a plurality of loan contract contents;
the loan contract content comprises contracted payment objects, payment purposes, payment time and repayment modes;
the loan contract unit is also configured to write the loan contract content to a sub-wallet of the corresponding digital wallet.
10. The digital wallet-based loan contract intelligent execution apparatus of claim 1, wherein:
the external data module comprises a credit unit, a business data unit and a channel data unit;
the credit unit is used for acquiring loan basic information data and approval data;
the service data unit is used for acquiring service data from the service interaction system;
the channel data unit is used for submitting loan evidence data and loan application data to the loan data monitoring module through one or more of the Internet, the enterprise interior and the supply chain platform, and meanwhile, the repayment management data state can be returned to the external data module.
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