CN117973788A - Financial data processing system, method and electronic equipment - Google Patents

Abstract

The invention provides a financial data processing system, comprising: the system comprises a supply chain module, a guarantee module, a settlement module and a questor module; the supply chain module calls an intelligent contract to create a transaction, triggers a creation node on a blockchain, establishes association between transaction information and a document number, receives a target service request and the target document number, and inquires the transaction information associated with the target document number in the intelligent contract to obtain target transaction information; the warranty module provides a service scheme based on the target transaction information; the settlement module processes target transaction settlement to obtain settlement confirmation; the questor module receives the business scenario and processes the fund flow. The block chain, the intelligent contract and the modularized design are adopted, and the digitization, the automation and the high-efficiency operation of the financial business processing flow are realized. The financial data processing method and the electronic equipment provided by the invention have corresponding advantages.

Description

Financial data processing system, method and electronic equipment

Technical Field

The invention belongs to the technical field of data processing, and particularly relates to a system and a method for processing document financial data and corresponding electronic equipment.

Background

Supply chain finances are financial services that optimize and improve the flow of funds, risk management, etc. in the supply chain by utilizing financial means. Among these, the document financing business is an important specific form in supply chain finance. Trade documents, such as invoices and bill of lading, are an important component in the finance of the supply chain. Through the trade document-based financing service, enterprises can more flexibly handle the capital requirements. Traditional document financing processes involve tedious paper document processing, manual operation, long process cycle, low efficiency, and easy occurrence of errors and risks. The lack of real-time and transparency makes it difficult for parties to obtain timely information during financing. Taking report form financing as an example, the suppliers deliver contracts, invoices, report forms, pound code forms, and the like to the core enterprises after the goods report in the traditional mode. And after the business approval and the financial approval pass, the core enterprise pays the contracted and agreed prepaid account to the provider, and the corresponding end part needs to pay the end part in the account days of the contract and agreed. The specific process is as follows: delivering contracts, invoices, report forms, pound code forms and the like to a core enterprise by a provider after the goods arrive at the port or the first bulk things arrive at the port; secondly, the core enterprise carries out business approval on the payment application; thirdly, after business approval, the core enterprise delivers the payment application to financial approval; fourth, paying the prepaid account to the supplier after the financial approval; and fifthly, paying the tail money part to the suppliers by the core enterprises on the account date of the contractual agreement. It can be known that all the goods arrive at the port periodically, the core enterprise business approval period is long, and the core enterprise financial auditing period is long, so that the goods cannot be taken when the suppliers are in urgent need of money; the tail payment part of the contract has long general account period, and the goods payment cannot be used when the suppliers need to pay in urgent. The payment flow system has no flexibility. Furthermore, because there is no integrated data processing system, the lack of data analysis and risk assessment for each party in the supply chain in conventional flows results in inaccurate financing decisions.

With the development of blockchain technology, the prior art uses blockchain technology as a key technology for realizing supply chain finance, provides a decentralized and distributed account book, and ensures transparency and non-tamper property of supply chain transactions. Through the block chain, the participants can share data in real time, thereby reducing disputes and operating cost. However, the document financing service involves trade documents (as the use of financing tools, digitization, intellectualization, security and traceability are key technologies required by the trade document financing service, although advanced technical means are adopted in the document financing service, due to the limitations of the prior art, the document financing service still faces the main problems that a plurality of participants, including suppliers, financial institutions, insurance managers and the like, are involved, and due to interoperability problems among various modules of the system, data exchange and sharing among different modules are limited, so that the smoothness of the whole financing process is affected, and in a supply chain, the data of the trade documents involve a plurality of links, and the problems of data entry errors, inconsistency and the like affect the execution of intelligent contracts and the reliability of the whole financing process.

Therefore, development of a financial data processing system, a financial data processing method and corresponding electronic equipment are needed to realize digitization and intellectualization of trade document financing business processes, optimize the whole trade financing ecological system and improve the efficiency, transparency and safety of supply chain financial services. Thereby promoting deep application of data processing techniques.

Disclosure of Invention

In order to solve all or part of the problems in the prior art, the invention provides a financial data processing system which can meet financial services of financing demands of suppliers with different time nodes, enables conventional industrial chain financial document payment by a digital intelligence technology, establishes a product system of diversified document financing business and completes the construction of supply chain financing line, data, standardization and intellectualization. According to the financial data processing method provided by the invention, the data processing flow in the whole supply chain can be optimized, and the safe storage, intelligent management and quick retrieval of information are realized through intelligent contract and blockchain technologies, so that the efficiency and reliability of the financial operation of the supply chain are improved. The invention also provides corresponding electronic equipment, and the integrated supply chain module is better realized through the support of hardware equipment, and the reliability, the safety, the efficiency and the user experience of the system are enhanced.

One aspect of the present invention provides a financial data processing system, comprising: the system comprises a supply chain module, a guarantee module, a settlement module and a questor module; the supply chain module calls an intelligent contract to create a transaction, triggers a creation node on a blockchain, establishes association between transaction information and a document number, acquires a target financing request and the target document number, and inquires the transaction information associated with the target document number in the intelligent contract to acquire target transaction information; the supply chain module outputs the target transaction information to the warranty module and the settlement module respectively; the insurance management module provides a financing scheme based on the target transaction information, outputs the financing scheme and financing confirmation to the supply chain module, and outputs a settlement request to the settlement module; the settlement module processes target transaction settlement based on the target transaction information and the settlement request to obtain settlement confirmation, and outputs the settlement confirmation to the supply chain module and the insurance module respectively; the questor module receives the financing scheme, processes the fund flow, transmits fund flow information to the settlement module, and outputs payment confirmation to the processing module; the insurance module comprises more than two insurance units, one insurance unit is used for insurance companies to process business, and the other insurance units are used for suppliers to process business.

The maintainability and the expandability of the system are improved through the modularized design, the association relation between the document numbers and the transaction information is established, the one-to-one correspondence between the documents and the transaction is ensured, the system can accurately track and manage the financing states of different documents, and information confusion or errors are prevented. By adopting the multi-level insurance units, one insurance unit is processed by the insurance company, and the rest is directly processed by the provider, the specific financing requirements of the provider can be better met, meanwhile, the decentralized processing capacity of the service is improved, and the burden of the whole system is lightened. By integrating intelligent contracts, blockchain technology and modular design, the digital, automatic and efficient operation of the document financing process is realized.

And triggering the intelligent contract to inquire when the questor module performs money release, transmitting the document number as a parameter to the intelligent contract, and checking corresponding transaction information.

In some embodiments, the financial data processing system further comprises: a purchase management module; the transaction information includes: contracts, invoices and documents; the service is created by the service-processing unit for the service processing of the provider, the service amount is calculated, and the service application is submitted; the purchase management module receives the service application, checks whether the contract of the target transaction forms a pre-settlement bill, directly executes the service-related task if the contract of the target transaction forms the pre-settlement bill, checks whether the pre-settlement amount exceeds the accounts receivable amount of the target bill if the contract of the target transaction forms the pre-settlement bill, and continuously executes the service-related task by deducting the accounts receivable amount of the target bill by the residual amount obtained by subtracting the pre-settlement amount if the account receivable amount of the target bill does not exceed the accounts receivable amount of the target bill; if yes, the service application is refuted.

A purchase management module is introduced into the system and can be used for receiving financing application and checking a contract and a pre-settlement bill of a target transaction so as to determine whether the receivables amount is exceeded or not, thereby being beneficial to improving the flexibility and accuracy of the system on financing conditions.

In some embodiments, the questor module includes a money transfer unit; the transaction information comprises a money order; the supply chain module pushes the money order associated with the target document number to the insurance management module as a target money order; the guarantee module divides the target money discharging list into a repayment part and a cashing part according to the business amount of the target document, and pushes the corresponding payment application to the money discharging unit; the money discharging unit correspondingly divides money discharging into a money discharging amount and a money cashing amount.

Another aspect of the present invention provides a financial data processing method, implemented by a financial data processing system according to one aspect of the present invention, including: uploading transaction information to the insurance module and generating receivables of corresponding suppliers; pushing the target document number to the supply chain module for marking, and marking whether the target document is subjected to service processing or not; and submitting a payment application to the questor module for processing.

And the financing target document number is pushed to a supply chain module for marking, tracking and managing the document already financing, ensuring that the same document cannot be repeatedly financing, and improving the accuracy and efficiency of financing.

In some embodiments, before marking, calculating according to a preset proportion to obtain a service amount, and submitting a service application; pushing the business application to the purchase management module for confirmation; the marking comprises the following steps: after the purchase management module confirms, pushing the target document number to a supply chain module for marking and pre-guaranteeing; and the insurance company initiates multi-stage auditing to the service by the insurance module, and pushes the target document number to a supply chain module to mark the executed service after the auditing passes.

In some embodiments, the insurance module includes more than two insurance units, one insurance unit is used for insurance company to process business and is marked as a first insurance unit, and the other insurance units are used for supplier to process business and are marked as a second insurance unit; performing a multi-level audit includes: the insurance company performs financing initial review on the first maintenance unit; the first examination passes and is pushed to the second insurance unit, and the supplier signs the contract; and the purchase management module performs business approval, and the approval is pushed to the first management unit to be financing and final review by the insurance company.

In some embodiments, prior to submitting a business application, pushing a target document to the supply chain module, the supply chain feeding back in real time whether the target document has been pre-settled; when submitting a service application, the purchase management module checks whether the contract forms a pre-settlement bill, and if not, the purchase management module directly executes the task related to the service; if so, checking whether the pre-settled amount exceeds the accounts receivable amount of the target document, and if not, deducting the pre-settled amount by the accounts receivable amount, and continuing to execute the task related to the service by the residual amount; if the target document exceeds the target document, the service application cannot be initiated.

In some embodiments, the generating the receivables for the corresponding suppliers includes generating tail accounts receivables; the method for generating the tail accounts receivable comprises the following steps: pushing a pre-settlement bill payment list corresponding to the target bill to the security module; and the insurance management module calculates and obtains the amount of money which is beyond the preset proportion corresponding to the pre-settlement bill and the bill, and generates the tail accounts receivable for the corresponding suppliers.

In some embodiments, the questor module performs processing comprising: carrying out money release approval, and pushing money release information to the first management unit to pay money to the sub-account of the security company after the approval is passed; and the security company pushes the paying information to the second security unit to pay money to the sub-account of the provider.

In some embodiments, the financial data processing method further comprises business repayment; the business repayment method comprises the following steps: the supply chain module pushes the corresponding money order to the security module based on the transaction information; the security module splits the received service amount of the money discharging single according to the money discharging, obtains a money discharging part and a cashing part, and pushes the corresponding payment application to the money discharging unit; the payment unit correspondingly splits the payment to obtain payment amount and redemption amount; and paying the payment to the insurance company based on the payment amount, and paying the payment to the supplier based on the payment amount.

In some embodiments, the target document is a report form; the transaction information includes: contract, invoice, ship number, pound code list.

The invention also provides an electronic device comprising a memory, a processor, and one or more computer programs, wherein the computer programs are stored in the memory and configured to execute the financial data processing method provided by the invention.

Compared with the prior art, the invention has the main beneficial effects that:

1. according to the financial data processing system, through integration of the blockchain, the intelligent contract and the modularized design, the efficiency, transparency and flexibility of the system are improved, so that the document financing process is safer, higher in automation degree and higher in efficiency.

2. The financial data processing method provided by the invention is suitable for special documents such as report sheets, realizes full-flow digitization and automation, improves the financial data processing efficiency and accuracy, adopts a mode of calculating to obtain the business amount according to the preset financing proportion and pre-settling before submitting the business application, dynamically adjusts the business amount, has stronger flexibility and practicability, and can meet the demands of different industries and scenes.

3. The electronic equipment provided by the invention can automatically realize the financial data processing method, has corresponding advantages, and is favorable for further popularization of blockchain and intelligent contract technology in practical application of document financial business.

Drawings

FIG. 1 is a schematic diagram of a financial data processing system according to an embodiment of the invention.

Fig. 2 is a schematic diagram of a financial data processing method according to an embodiment of the invention.

Fig. 3 is a schematic diagram of generating accounts receivable according to an embodiment of the present invention.

Fig. 4 is a schematic diagram of an receivables financing business flow according to an embodiment of the invention.

Fig. 5 is a schematic diagram of a financing repayment process according to an embodiment of the present invention.

Fig. 6 is a schematic diagram of a flow chart of generating a tail accounts receivable according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and fully, and it is apparent that the embodiments described are only some, but not all, of the embodiments of the present invention.

The invention is exemplified by the following embodiments to illustrate a financial data processing system, a financial data processing method and an electronic device, which provide various and convenient financing services for suppliers; the problem that the suppliers cannot timely take the money for goods due to the overlength of core enterprises; the financing requirements of different time node suppliers of the suppliers are met; the digital intelligence technology is realized to enable the payment of the traditional industrial chain financial port report bill, a diversified document financing product system is established, and the on-line, datamation, standardization and intelligent construction of supply chain financing are completed; the consistency, accuracy and non-falsification of the data are ensured by fusing the intelligent contracts through a digital technology. The financial data processing method provided in the present embodiment may be implemented by the electronic device of the present embodiment, and the exemplary electronic device includes a memory, a processor, and one or more computer programs, where the computer programs are stored in the memory and configured to be executed by the one or more processors to provide the specific financial data processing method in the present embodiment.

In this embodiment, the application scenario of the financial data processing may be in cross-border trade, especially a trade scenario involving multiple documents (such as contracts, invoices, report sheets, etc.), and the exemplary technical solution may provide a more efficient and safe trade financial service. The intelligent contract can effectively reduce the risk of contract disputes; the method is suitable for financial transaction scenes in which multiple parties participate, and each party can acquire and verify transaction information on the same blockchain, so that the transparency and the trust degree of data are enhanced; it is suitable for processing various special documents, such as report sheets. By introducing the information of the special documents, the system can more flexibly adapt to the financing requirements of the documents of different types; the method is suitable for multi-level warranty services to meet financing requirements of different participants. Specifically, applicable financing scenarios may include, but are not limited to, e-commerce platform supply chain financing, cross-border trade finance, and manufacturing industry supply chain financing (one manufacturing enterprise cooperates with multiple component suppliers, through which the manufacturing enterprise can learn about the financing requirements of each supplier in real time).

Referring to FIG. 1, an exemplary financial data processing system in an embodiment of the present invention includes: the system comprises a supply chain module, a guarantee module, a settlement module and a questor module; the supply chain module calls an intelligent contract to create a transaction, triggers a creation node on a blockchain, establishes association between transaction information and a document number, acquires a target financing request and the target document number, and inquires the transaction information associated with the target document number in the intelligent contract to acquire target transaction information; the supply chain module outputs target transaction information to the warranty module and the settlement module respectively; the insurance management module provides a financing scheme based on the target transaction information, outputs the financing scheme and the financing confirmation to the supply chain module, and outputs a settlement request to the settlement module; the settlement module processes the settlement of the target transaction based on the target transaction information and the settlement request to obtain settlement confirmation, and outputs the settlement confirmation to the supply chain module and the insurance module respectively; questor module receives financing scheme, processes fund flow, transmits fund flow information to settlement module, and outputs payment confirmation to insurance module; the warranty module comprises more than two warranty units, one warranty unit is used for warranting business processing of a company, the other warranty units are used for business processing of a provider, the first warranty unit is marked in the embodiment, the other warranty units are used for business processing of the provider, and the second warranty unit is marked in the embodiment.

The example scenario involves the association between transaction information, document number, creation transaction and creation node, specifically: the supply chain module creates a transaction by invoking an intelligent contract. At the same time as the transaction is created, a creation node is triggered on the blockchain, thereby indicating that transaction information is recorded onto the blockchain and that the corresponding node is created. Upon creation of a transaction, the supply chain module associates the transaction information with the document number, including binding the transaction information with a particular document number for subsequent query and processing. In the intelligent contract, the supply chain module obtains the target transaction information by inquiring the transaction information associated with the target document number, and the system can quickly retrieve the corresponding transaction information according to the document number. The supply chain module outputs the target transaction information to the warranty module and the settlement module respectively, so that the warranty module and the settlement module can acquire the required transaction information for subsequent processing.

The example financial data processing system creates transactions through a supply chain module, a warranty module provides financing services, a settlement module performs transaction settlement, and a questor module processes funds movement, specifically:

Example supply chain module: creating a transaction, namely creating the transaction in a system, and calling an intelligent contract to trigger the creation of a corresponding node on a blockchain; establishing association, namely associating transaction information with the document numbers to ensure that the transaction has a corresponding relationship with the corresponding document; receiving a financing request: and acquiring information of the target financing request and the target document number. Example warranty module: providing a financing scheme, and formulating the financing scheme based on target transaction information to meet the financing requirement; outputting financing confirmation, and outputting a financing scheme and financing confirmation information to a supply chain module; and outputting a settlement request, transmitting the settlement request to a settlement module, and starting a settlement process. An example settlement module: processing transaction settlement, and performing settlement according to target transaction information to obtain settlement confirmation and first fund flow information; outputting a settlement confirmation, and outputting the settlement confirmation to the supply chain module and the security module; questor module: receiving a financing scheme, and acquiring the financing scheme provided by the warranty module; processing fund flow, and performing fund flow processing according to settlement confirmation and financing schemes; and outputting payment confirmation, and confirming the payment information to the insurance module.

The exemplary financial data processing system allows for the processing of special documents, such as port notes, the verification and processing of special documents, and the provision of financing services thereto, with particular advantages for special business scenarios. The method has the advantages that pre-settlement is carried out before the financing application is submitted, the business amount is dynamically adjusted according to the financing proportion, the method is more flexible and practical, the pre-settlement and the dynamic adjustment of the business amount (comprising the accurate calculation of the financing proportion and the establishment of reasonable business rules) are realized, and the requirements of different business scenes are better adapted. The example financial data processing system effectively integrates the technologies of blockchains, intelligent contracts, multi-level security units and the like, enables the technologies to work cooperatively in financial business, and can ensure the safety, high efficiency and expandability of the system.

An example method for identifying documents by a financial data processing system is to identify the type or particular field of a particular document in transaction information. Corresponding verification rules are established for different types of special documents. For example, for a report form, the authenticity and validity of information such as a ship number, a pound code, etc. are verified.

In the example case, the supply chain module is primarily responsible for integrating and processing relevant information when receiving business solutions and business acknowledgements, so that the system can correctly respond to business transactions and conduct subsequent business processes. When the supply chain module receives the service scheme and the service confirmation, the following specific processing is carried out: the warranty module provides a business scheme according to the target transaction information, and the scheme comprises the relevant information of the amount of financing, the interest rate, the repayment term and the like. The supply chain module receives the business scenario to learn about financing conditions that the insurance company is willing to provide. The warranty module sends a business confirmation to the supply chain module indicating that the warranty company confirms a willingness to provide financing and agrees to execute the business scheme under specific conditions. Example business validation contains detailed information of the final agreement, such as validation of financing amounts, interest rates, repayment plans, etc. The supply chain module processes the received business scheme and business confirmation, integrates relevant information into the system, and comprises updating data related to target transactions in the system to ensure that the business information in the system is consistent with that provided by a insurance company. Based on the financing confirmation, the supply chain module notifies other modules, such as the settlement module and questor module, so that the overall system can respond in time to changes in the business, including updating settlement information, notifying questor module of changes in funds flow, etc. The supply chain module may also trigger subsequent operations, such as notifying the interested party or updating status, to facilitate the smooth progress of the entire supply chain financing process, which is not limited in this regard.

When the supply chain module and the warranty module receive the settlement confirmation, specific examples of the processing performed are as follows: the supply chain module receives a settlement confirmation, by which it is indicated that settlement of the target transaction has been successfully completed. Based on the settlement confirmation, the supply chain module updates the status of the target transaction, marks it as settled or other corresponding status, so that each module in the system knows the current status of the service. Based on the results of the settlement validation, the supply chain module notifies other relevant modules, such as the warranty module and questor module, so that the other modules update the data and status in time. The content of the notification includes, but is not limited to, information such as whether settlement is successful or not, and the updated transaction status. The warranty module also receives a settlement confirmation associated with the target transaction. The update of the status information related to the service by the warranty module based on the settlement confirmation, for example, confirming that the financing has been successfully settled or processing the repayment of the financing, is not limited. The warranty module can effectively track the status and progress of the financing transaction. The warranty module also notifies other modules, such as the supply chain module and questor module, so that the other modules respond to the settlement results and update the relevant data as necessary. Depending on the settlement confirmation, the warranty module may also trigger subsequent operations such as, but not limited to, updating the financing program, notifying the interested party, etc.

And when the questor module performs money release, triggering the intelligent contract to inquire, transmitting the document number as a parameter to the intelligent contract, and checking corresponding transaction information. In the example case, questor module, after receiving the financing scheme, ensures that the business amount flows correctly to the target account by processing the funds flow, and timely transmits relevant funds flow information to the settlement module and the security module to complete the funds processing flow of the whole financing transaction. After questor module receives the business plan, the specific process of processing the fund flow includes the following steps: receiving a business scheme from the insurance management module, wherein the business scheme comprises relevant business information such as financing amount, interest rate, repayment period and the like; analyzing the received financing scheme to understand the relevant specific funds flow conditions, including determining the amount of financing, the source and use of the funds, the repayment plan, etc.; according to the content of the business scheme, the questor module starts to process the fund flow, transfers the fund to a specific account and ensures that the fund flows to a correct place; in the process of fund flow processing, the questor module transmits relevant fund flow information to the settlement module, so that the settlement module can update settlement states in time, including information of the amount paid, payment time, payer, payee and the like; generating a payment confirmation indicating that the funds movement has been successfully processed; the payment confirmation includes detailed information related to the payment, as well as the status of the payment (success or failure). The questor module outputs the generated payment confirmation to the insurance management module so as to inform the insurance management company of the final state of the funds flow, and the insurance management company can conveniently learn the funds flow direction and payment result of the financing transaction.

In an example case, the settlement module, upon receiving the communicated funds movement information, may perform specific processing comprising the steps of: receiving funds movement information from the questor module including amount paid, time paid, payer, and payee Fang Dengxiang information; verifying the received fund flow information to ensure the integrity and accuracy of the information, including checking whether the payment amount is consistent with the financing scheme, confirming the payment time and the like; the settlement module updates a settlement status associated with the target transaction based on the validated funds movement information, e.g., marks the transaction as paid or settlement completed, so that other modules can obtain the latest status of the transaction; the settlement module sends a notice to the supply chain module and the insurance management module, and the notice is related to the update of the settlement state, so that the supply chain module can know the payment state and further process if necessary, and the insurance management module can update the financing transaction state in time; the settlement module generates a settlement confirmation including detailed information related to the funds movement, and the final status of the settlement, which may be passed to other modules or retained in the system as records, without limitation; depending on the result of the settlement, the settlement module may also trigger other subsequent operations, such as updating the transaction status, notifying the relevant party, or triggering other business processes, but is not limited thereto. In an embodiment, the settlement module is mainly responsible for verifying and updating the settlement status after receiving the fund flow information, notifying the relevant module about the update of the settlement result, and generating a settlement confirmation record. The method is beneficial to ensuring that the whole system can know the settlement state of the transaction in time so as to carry out subsequent business processing.

In an example case, the specific processing performed by the warranty module after receiving the payment confirmation may include the steps of: receiving payment confirmation from questor module, including payment information of the financing transaction, such as the amount paid, time paid, payer, payee, etc.; verifying the received payment confirmation, ensuring the integrity and accuracy of the payment information, including checking whether the payment amount is consistent with the financing scheme, confirming the payment time, etc.; based on the verified payment confirmation, the warranty module updates status information associated with the target financing transaction, e.g., marks the financing transaction as paid, so that other modules can acquire the latest status of the business; sending a notification to the supply chain module informing about the update of the financing status, in particular the status of the payment, so that the supply chain module can learn the payment result of the financing transaction and perform further processing if necessary; depending on the outcome of the payment confirmation, the warranty module may also trigger some subsequent operations, such as, but not limited to, generating settlement information for the financing transaction, notifying the interested party, or triggering other business processes.

In the example case, the warranty module includes more than two warranty units, one of which is used for processing business by the warranty company, and the other of which is used for processing business by the provider, and the example specific association between the warranty unit and the target transaction information, financing scheme, financing confirmation and settlement request is as follows: the insurance management unit of the insurance management company is responsible for providing a financing scheme based on the target transaction information, including, but not limited to, calculating the financing amount, determining the interest rate, making a repayment plan and the like; the correlation between the warranty unit and the target transaction information is that the warranty unit can acquire and analyze data related to the target transaction through an intelligent contract; the insurance management unit outputs a business scheme to the supply chain module, so that the supply chain module knows the financing conditions which the insurance management company is willing to provide, meanwhile, the insurance management unit can also output financing confirmation to the supply chain module, which means that the insurance management company confirms the willingness to provide financing and agrees to execute the financing scheme under specific conditions, and effective information transfer and confirmation can be carried out between the supply chain module and the insurance management unit in the aspect of financing transaction; the warranty unit outputs a settlement request to the settlement module indicating that the financing scheme has been achieved and that settlement is required. The settlement request may include detailed information of payment, update of settlement status, etc., without limitation. The guarantee unit triggers the settlement module to carry out settlement processing on the target transaction, so that timely and accurate completion of settlement is ensured.

In some embodiments, the financial data processing system further comprises: a purchase management module; the transaction information includes: contracts, invoices and documents; the service is created by the service management unit for the service processing of the provider, the service amount is calculated, and the service application is submitted; the purchase management module receives a service application, checks whether a contract of a target transaction forms a pre-settlement bill, directly executes a task related to the service if the contract does not form, checks whether the pre-settlement amount exceeds the accounts receivable amount of the target bill if the contract does not form, and continuously executes the task related to the service by deducting the accounts receivable amount of the target bill by the residual amount obtained by subtracting the pre-settlement amount if the pre-settlement amount does not exceed the accounts receivable amount of the target bill; if yes, refusing the service application.

In some embodiments, questor modules include a money arranging unit; the transaction information includes a money order; the supply chain module pushes the money order associated with the target document number to the security module as a target money order; the security module splits the target money discharging list into a repayment part and a cashing part according to the business amount of the target document, and pushes the corresponding payment application to the money discharging unit; the money discharging unit correspondingly divides money discharging into a money discharging amount and a money cashing amount.

Referring to FIG. 1, in a specific example, transaction information in system interactions is based on smart contract transmissions: the supply chain module creates a transaction and triggers the creation of a node; the user uploads and stores the invoice, contract and report bill corresponding to the transaction into the intelligent contract through the supply chain module; the uploaded transaction information is associated with the report ticket number; when the client initiates financing, the client can go into the contract according to the single number to acquire corresponding bill information; and questor module can also obtain corresponding bill information through numbering and going to contract for checking when the financing and paying money. A data structure is defined in the smart contract, associating the document number with the transaction information, examples being by storing a mapping relationship in the smart contract or using a relational database. When the supply chain module creates a new transaction, it triggers the creation of a new node on the blockchain, node 1, to add the transaction information to the blockchain. The user uploads the relevant files to the smart contract, the files are associated with specific transactions, the associated process also creates new nodes to record the storage and associated information of the relevant files. In the example case, each module related transaction or information update triggers a corresponding blockchain operation, including creating a new node (node 2, node 3 … …, node N) to record related information, which is beneficial to ensure transparency, non-tamper ability, and sharing of data. The creation and management of nodes is handled by the intelligent contracts of the blockchain network.

Example supply chain module: inputting transaction information; creating a transaction by invoking the smart contract and triggering creation of a node on the blockchain, outputting a unique identifier or hash value of the transaction, and newly created node information. The supply chain module communicates transactions, orders, and related information to the warranty module through an API, message queue, or direct database integration. The supply chain module triggers an event that notifies the warranty module, which obtains up-to-date transaction and invoice information by receiving and processing the relevant event.

Example warranty module: inputting transaction information interacted with a supply chain module and financing requests; judging which transactions accord with financing conditions according to business rules, providing a financing scheme, and coordinating settlement with a settlement module; and outputting financing schemes, financing confirmation and related settlement information.

An example settlement module: the data interaction with the supply chain module and the insurance management module comprises transaction information, financing confirmation, settlement request and the like; processing the settlement of the transaction, ensuring the correct payment of the financing money, and coordinating the funds flow with the questor module; and (3) outputting: settlement confirmation, fund flow information. And the supply chain module and the settlement module share data through an API, database integration or message queue, so that the settlement information of the transaction is ensured to be accurate. The settlement module can send status updates to the supply chain module informing of the settlement status of the transaction in order to update the relevant information in the supply chain module. And the settlement of the financing transaction is coordinated between the security module and the settlement module through an API or a message queue, so that the correct payment of money is ensured. The settlement module may provide payment plans and related settlement information to the warranty module.

Exemplary questor modules: data interaction with the settlement module and the supply chain module comprises financing payment, payment request and the like; processing fund flow, ensuring correct processing of financing money, and coordinating with a settlement module and a security module; and outputting fund flow information and payment confirmation. The questor module may use cryptocurrency, a conventional banking interface, or other payment system to handle the funds flow. Coordination with other modules may be achieved through API calls or messaging. The questor module ensures the correct flow of funds and the output of the payment confirmation provides verification of the funds operation for the overall system.

In the example case, the smart contract is written using a smart contract language (e.g., solidity) and deployed onto the blockchain. The operations of creating transaction, triggering nodes, establishing association relations and the like are realized through the intelligent contract method. The exemplary financial data processing system uses modular design principles to design individual modules for each function, with the modules communicating via well-defined interfaces, specifically, but not limited to, APIs, message queues, or other integration. The modules realize timely updating and synchronization of information through real-time data transmission and inquiry, and the data used by each module is ensured to be up to date. In a specific example, the instant delivery of data is implemented using techniques such as real-time databases, message queues, or websockets. The query may be accomplished by means of a smart contract or by directly accessing a database.

Referring to fig. 2, an exemplary financial data processing method is further provided in an embodiment of the present invention, implemented by a financial data processing system according to an aspect of the present invention, including: uploading transaction information to a guarantee module and generating accounts receivable of a corresponding provider; pushing the target document number to a supply chain module for marking, and identifying whether the target document is subjected to service processing or not; and submitting a release application to the questor module for processing.

In some embodiments, before marking, calculating according to a preset proportion to obtain a service amount, and submitting a service application; pushing the service application to a purchase management module for confirmation; the marking comprises the following steps: after the purchase management module confirms, pushing the target document number to the supply chain module for marking and pre-guaranteeing; the security company initiates multi-level auditing to the business by the security module, and pushes the target document number to the supply chain module to mark the executed business after the auditing is passed.

In a specific embodiment, performing the multi-level audit includes: the method comprises the steps that a service primary audit is carried out by a warranty company in a first warranty unit; pushing the first pass to a second insurance unit, and signing a contract by the provider; the purchase management module performs business approval, and the approval is pushed to the first management unit to be subjected to business final approval by the insurance company.

In some embodiments, prior to submitting the business application, pushing the target document to a supply chain module, the supply chain feeding back in real time whether the target document has been pre-settled; when submitting a service application, the purchase management module checks whether the contract forms a pre-settlement list, and if not, the purchase management module directly executes the task related to the service; if so, checking whether the pre-settled amount exceeds the accounts receivable amount of the target document, if not, deducting the pre-settled amount by the accounts receivable amount, and continuing to execute the task related to the service by the residual amount; if the target document exceeds the target document, the service application cannot be initiated.

In some embodiments, generating the receivables for the corresponding suppliers includes generating tail accounts receivables; the method for generating the tail accounts receivable comprises the following steps: pushing a pre-settlement bill payment list corresponding to the target bill to the insurance management module; and the security module calculates and obtains the amount of money outside the preset proportion corresponding to the pre-settlement bill and the bill, and generates the tail accounts receivable for the corresponding suppliers.

In some embodiments, the questor module performs the processing including: carrying out money release approval, pushing money release information to a first management unit to pay money to a sub-account of a security company after the approval is passed; the security company pushes the payment information to the second security unit to pay the payment to the sub-account of the provider.

In some embodiments, the financial data processing method further comprises business repayment; the service repayment method comprises the following steps: the supply chain module pushes the corresponding money order to the security module based on the transaction information; the security module splits the received money-arranging single according to the business amount of money-arranging, obtaining a repayment part and a cashing part, and pushing the corresponding payment application to a money discharging unit; the payment arranging unit correspondingly splits the payment to obtain payment amount and redemption amount; pays back to the insurance company based on the payback amount, and pays back to the supplier based on the payback amount.

In some embodiments, the target document is a report form; the transaction information includes: contract, invoice, ship number, pound code list.

For ease of understanding, description will be given by taking report sheet financing as an example. An exemplary financial data processing method involves pushing of report form data; financing the report form; port report sheet financing and money releasing; pre-settlement bill discharging, repayment and port report bill financing; generating the tail accounts receivable; the tail accounts receivable financing; and (5) bill discharging, repayment and tail money financing.

Referring to fig. 3, the supply chain module sends the report form and corresponding data such as contract, invoice, ship number, pound code list and the like to the insurance module, in a specific example, a buyer inputs the report form and other data after the goods arrive at the port into the purchase management module, and the purchase management module transmits the input report form data to the insurance module; and the insurance management module generates receivables for corresponding suppliers by the received report list data.

Referring to fig. 4, an exemplary report form accounts receivable financing process includes: the supplier selects report sheets of the same business type, the same buyer and the same contract to initiate financing at a financing interface of the second insurance unit; calculating business amount according to financing proportion when submitting and approving the financing application, and submitting the financing application; pushing the initiated financing application to a purchase management module for confirmation; after the purchase management module confirms that the report form number of financing pushes the supply chain module to carry out marking pre-guarantee, and the report form is informed of whether the report form is pre-settled or not (the supply chain module feeds back the report form in real time); the insurance company carries out primary review on the financing by a protection module (a first protection unit), if the financing passes through the contract signing of the supplier, the purchasing management module carries out business multistage approval, and the financing final review is carried out after the financing primary review is completed; if not, the method can be returned, and the suppliers can submit again after modifying according to the requirement; after financing terminal of the insurance company, the report list number of financing is pushed to a supply chain module to mark and make insurance financing to inform that the report list is financing; after the marking is finished, the insurance company can click financing and releasing money, and submit a money releasing application to a money discharging unit for processing; the money arranging unit is used for inputting money into the sub-account of the security company after approval; the insurance company sub-account will be cleared to the supplier sub-account after accounting. Wherein, purchase management module, purchase center confirms link show field and includes: business type field, financing customer name field, core enterprise name field, accounts receivable number field, ton number report field, accounts receivable amount field, purchase contract number field, ship number field, remark field; the multi-stage approval link display field of the business can be: financing mode field (report form), credit element field (credit line, credit validity period), business element field (applied financing amount, transferred amount to be collected, amount remaining after credit), rate setting field (interest rate, management fee), remark field (filled approval opinion at financing initial review). In the example case, when the financing application is submitted, checking whether the contract is formed into a pre-settlement bill or not, and if not, directly financing; the method comprises the steps that formed, whether the pre-settled amount exceeds the accounts receivable amount of a port report is checked, if not, the accounts receivable amount of the port report needs to be deducted, the pre-settled amount is required to be reduced, and the remaining amount continues to be financing; if the number exceeds the number, the report form can not initiate financing application.

Referring to fig. 5, an exemplary report sheet financing repayment process includes: the supply chain module pushes the money order corresponding to the contract to the insurance module; the security module splits the financing amount of the port report which is received and deposited by the deposit-depositing single according to the deposit-depositing; the payment bill is split into a payment part and a cashing part, and the corresponding payment application is pushed to the payment unit; the money arranging unit is used for splitting money: the repayment part pays the repayment insurance company on line; the redemption portion pays down the line to the vendor settlement house. In the example case, after the port report under the contract is financing, whether pre-settlement or direct settlement is carried out, the financing amount of the port report is returned first, the supply chain module calculates the amount required for the port report financing through a formula, the port report is detached to the money discharging unit (multiple repayment conditions can occur), one contract corresponds to a plurality of pre-settlement bills, each pre-settlement bill generates a money discharging bill, and one contract corresponds to a plurality of port report bills; the supply chain module needs to check which contract corresponds to the money order according to the pushed pre-settlement list/the money order corresponding to the settlement list, check which report list corresponds to through the contract, and check whether the report list is financing.

Referring to fig. 6, the generation flow of the tail accounts receivable includes: an operator pushes a pre-settlement bill money arranging bill corresponding to the port report bill to the insurance module; the insurance management module calculates the amount of money except the report form financing proportion corresponding to the pre-settlement bill and the payment bill; the insurance management module system generates relative tail accounts receivable for the corresponding suppliers with the calculated amount.

An example tail accounts receivable financing process is as follows: the supplier selects the tail money to be paid under the same contract at the financing interface to initiate financing; calculating business amount according to financing proportion when submitting and approving the financing application, and submitting the financing application; pushing the initiated financing application to a purchase management module for confirmation; after the purchase management module confirms that the financing is finished, pushing the tail money to be subjected to account receiving number to a supply chain module for marking, pre-guaranteeing and informing that the tail money to be subjected to account receiving is subjected to financing; the first management unit of the insurance company carries out initial examination on the financing, and the financing can be signed by the contract of the provider; resubmittable without modification by the returnable vendor as required; after financing terminal examination of the insurance company, the financing tail money is pushed to a supply chain module for numbering the accounts receivable of the financing tail money to mark the financing terminal information that the accounts receivable of the tail money is financing; after the marking is finished, the insurance company can click financing and releasing money, and submit a money releasing application to a money discharging unit for processing; and after the approval of the money arranging unit is passed, the money is added into the sub-account of the insurance company, and the sub-account of the insurance company is cleared to the sub-account of the supplier after the account is checked.

An exemplary tail financing repayment process is as follows: the supply chain module pushes the money order corresponding to the contract to the insurance module; the security module splits the financing amount of the port report which is received and deposited by the deposit-depositing single according to the deposit-depositing; the payment bill is split into a payment part and a cashing part, and the corresponding payment application is pushed to the payment unit; the money arranging unit is used for splitting money: the repayment part pays the repayment insurance company on line; the redemption portion pays down the line to the vendor settlement house.

In the above embodiment, by providing the financial data processing system and the data processing method, a financial service method capable of meeting the financing demands of different time node suppliers is provided, the traditional industry chain finance is enabled by the digital intelligence technology, a diversified port report financing product system is established, and the on-line, data, standardization and intelligent construction of supply chain financing are completed. And various and convenient financing services are provided for the suppliers, and the financing requirements of the suppliers with different time nodes are met.

The above is merely an example of report sheet financing, and is not limited to the specific case. An exemplary explanation of some of the names involved in report sheet financing is as follows: the report port refers to an industry term applied by a maritime department when a ship enters and exits the port. Is the basis of the visa of the ship. The port reporting modes include paper, electronic magnetic card, short message and the like. Pound code list: the weight, the size, the total weight and the total size of each piece of goods and each specification item and the packaging bill of the total size are described in an important way on the basis of the packing list. A supplementary document for commercial invoice. Is the main basis for checking the variety, color, size, specification and customs acceptance of goods when the buyer receives goods. The description should be made one by one if the package is not a uniform size of the goods. Prepaid account: prepaid accounts refer to enterprises paying in advance for supply units in monetary funds or monetary equivalents as specified by a purchase contract. In daily accounting, prepaid accounts are credited in the amount actually paid, such as prepaid materials, commodity purchase payments, agricultural and sideline product pre-purchase orders that must be pre-issued for later retrieval, and the like. Prepaid accounts are a liquidity for a purchasing enterprise. The prepaid account typically includes a prepaid payment, a prepaid purchase amount. The prepaid account of the construction enterprise mainly comprises prepaid engineering money, prepaid prepared material money and the like. Statement of account: the statement refers to a statement of settlement issued to the consumer by the marketing agency, and is a list. The main basis for the market main body to settle funds is based on the transaction actions actually happened between the market main bodies. Tail bill: tail money refers to a smaller number of money that is not settled when the account is settled, meaning that some fee is not paid for the amount other than the principal or pre-payment that has been delivered, but the portion that has not been submitted.

In the technical scheme provided by the embodiment of the invention, the aspects of acquisition, collection, updating, analysis, processing, use, transmission, storage and the like of the related user personal information all conform to the rules of related laws and regulations, are used for legal purposes, and do not violate the popular public order. Necessary measures are taken for the personal information of the user, illegal access to the personal information data of the user is prevented, and the personal information security, network security and national security of the user are maintained.

In this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The foregoing is only a specific embodiment of the invention to enable those skilled in the art to understand or practice the invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the present invention is not to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (13)

1. A financial data processing system, comprising: the system comprises a supply chain module, a guarantee module, a settlement module and a questor module;

the supply chain module calls an intelligent contract to create a transaction, triggers a creation node on a blockchain, establishes association between transaction information and a document number, acquires a target financing request and the target document number, and inquires the transaction information associated with the target document number in the intelligent contract to acquire target transaction information;

The supply chain module outputs the target transaction information to the warranty module and the settlement module respectively;

The insurance management module provides a financing scheme based on the target transaction information, outputs the financing scheme and financing confirmation to the supply chain module, and outputs a settlement request to the settlement module;

The settlement module processes target transaction settlement based on the target transaction information and the settlement request to obtain settlement confirmation, and outputs the settlement confirmation to the supply chain module and the insurance module respectively;

the questor module receives the financing scheme, processes the fund flow, transmits fund flow information to the settlement module, and outputs payment confirmation to the processing module;

The insurance module comprises more than two insurance units, one insurance unit is used for insurance companies to process business, and the other insurance units are used for suppliers to process business.

2. The financial data processing system of claim 1 wherein said questor module, when making a payment, triggers a smart contract to query, passes said document number as a parameter to said smart contract, and examines corresponding transaction information.

3. The financial data processing system of claim 1, further comprising: a purchase management module; the transaction information includes: contracts, invoices and documents;

The service is created by the service-processing unit for the service processing of the provider, the service amount is calculated, and the service application is submitted;

The purchase management module receives the service application, checks whether the contract of the target transaction forms a pre-settlement bill, directly executes the service-related task if the contract of the target transaction forms the pre-settlement bill, checks whether the pre-settlement amount exceeds the accounts receivable amount of the target bill if the contract of the target transaction forms the pre-settlement bill, and continuously executes the service-related task by deducting the accounts receivable amount of the target bill by the residual amount obtained by subtracting the pre-settlement amount if the account receivable amount of the target bill does not exceed the accounts receivable amount of the target bill; if yes, the service application is refuted.

4. A financial data processing system according to any one of claims 1 to 3, wherein the questor module comprises a money arranging unit; the transaction information comprises a money order; the supply chain module pushes the money order associated with the target document number to the insurance management module as a target money order; the guarantee module divides the target money discharging list into a repayment part and a cashing part according to the business amount of the target document, and pushes the corresponding payment application to the money discharging unit; the money discharging unit correspondingly divides money discharging into a money discharging amount and a money cashing amount.

5. A method of financial data processing, implemented on the basis of the financial data processing system of any one of claims 1 to 4, comprising:

uploading transaction information to the insurance module and generating receivables of corresponding suppliers;

pushing the target document number to the supply chain module for marking, and marking whether the target document is subjected to service processing or not;

And submitting a payment application to the questor module for processing.

6. The method of claim 5, wherein, prior to marking,

Calculating according to a preset proportion to obtain a service amount, and submitting a service application;

Pushing the business application to the purchase management module for confirmation;

the marking comprises the following steps:

after the purchase management module confirms, pushing the target document number to a supply chain module for marking and pre-guaranteeing;

and the insurance company initiates multi-stage auditing to the service by the insurance module, and pushes the target document number to a supply chain module to mark the executed service after the auditing passes.

7. The financial data processing method according to claim 6, wherein a policy unit for a policy company to process a service is referred to as a first policy unit, and a policy unit for a vendor to process a service is referred to as a second policy unit; performing a multi-level audit includes: the service primary audit is carried out by the insurance company in the first maintenance unit; the first examination passes and is pushed to the second insurance unit, and the supplier signs the contract; and the purchase management module performs business approval, and the approval is pushed to the first management unit and then the business final approval is performed by the insurance company.

8. The method according to claim 6, wherein before submitting a business application, pushing a target document to the supply chain module, and the supply chain feeding back in real time whether the target document has been pre-settled; when submitting a service application, the purchase management module checks whether the contract forms a pre-settlement bill, and if not, the purchase management module directly executes the task related to the service; if so, checking whether the pre-settled amount exceeds the accounts receivable amount of the target document, and if not, deducting the pre-settled amount by the accounts receivable amount, and continuing to execute the task related to the service by the residual amount; if the target document exceeds the target document, the service application cannot be initiated.

9. A method of processing financial data according to any one of claims 5 to 8, wherein generating receivables for the respective suppliers includes generating tail receivables;

the method for generating the tail accounts receivable comprises the following steps:

Pushing a pre-settlement bill payment list corresponding to the target bill to the security module;

and the insurance management module calculates and obtains the amount of money which is beyond the preset proportion corresponding to the pre-settlement bill and the bill, and generates the tail accounts receivable for the corresponding suppliers.

10. The financial data processing method of claim 7, wherein the questor module processing comprises: carrying out money release approval, and pushing money release information to the first management unit to pay money to the sub-account of the security company after the approval is passed; and the security company pushes the paying information to the second security unit to pay money to the sub-account of the provider.

11. A method of processing financial data according to any one of claims 5 to 8, further comprising a business repayment; the business repayment method comprises the following steps:

the supply chain module pushes the corresponding money order to the security module based on the transaction information;

The security module splits the received service amount of the money discharging single according to the money discharging, obtains a money discharging part and a cashing part, and pushes the corresponding payment application to the money discharging unit;

The payment unit correspondingly splits the payment to obtain payment amount and redemption amount; and paying the payment to the insurance company based on the payment amount, and paying the payment to the supplier based on the payment amount.

12. The financial data processing method of claim 5 wherein the target document is a report form; the transaction information includes: contract, invoice, ship number, pound code list.

13. An electronic device comprising a memory, a processor, and a number of computer programs, wherein the computer programs are stored in the memory and configured to perform the financial data processing method of any of claims 5 to 12 by the number of processors.