WO2017096701A1

WO2017096701A1 - Internet of things circular intelligent financial service system and method

Info

Publication number: WO2017096701A1
Application number: PCT/CN2016/072429
Authority: WO
Inventors: 陈哨麟; 陈觉宇
Original assignee: 上海信联商贸发展有限公司
Priority date: 2015-12-09
Filing date: 2016-01-28
Publication date: 2017-06-15
Also published as: CN105469302A

Abstract

An Internet of Things circular intelligent financial service system and method. The Internet of Things circular intelligent financial service system comprises: a client registration module which receives registration information of a purchaser, generates an electronic agreement after determining that the registration information is correct by means of reviewing, and transmits a membership registration success notification to the purchaser; a self-service financing registration module which receives a membership account code and a corresponding activation password of the purchaser, binds an identification certificate to the membership account code, and activates a self-service financing account of the purchaser; a database which stores related information of the membership account and the self-service financing account of the purchaser; a monitoring module which receives commodity settlement information transmitted by an EPC system; a financing reviewing modules which reviews whether commodity settlement information data is correct and implements a successful financing review after receiving receipt confirmation information from the purchaser; and a self-service financing module which performs financing for the purchaser, such that the purchaser pays accounts payable to a particular provider. By means of the system and the method, accurate industrial chain information can be learned and a loop industrial chain ecological economic system can be established, thereby effectively managing and controlling financial risks.

Description

Internet of Things circular smart financial service system and method

Technical field

The invention belongs to the technical field of network finance, and relates to a financial system, in particular to an Internet of Things circular smart financial service system and method.

Background technique

The difficulty of financing small and medium-sized micro-entities is a recognized world financial problem. Still can't solve it yet. Commercial bank business data relies on manual acquisition, can not be dynamically linked with the industry chain scene in real time, the information update frequency is slow, the decision chain is long, the efficiency is low, and the cost is high. Because the financial risk of the industry chain cannot be controlled, the ancient mortgage culture still plays the mainstream service mode. It is unable to solve the financing needs of small and medium-sized enterprises with low credit ratings and high financial risks. As a result, more than 80% of small and medium-sized enterprises are unable to enjoy fair and inclusive financial services.

In the Internet financial ecology, because the information is highly discrete and asymmetric, financial institutions cannot accurately assess the true state of the counterparty, so financial risks are extremely difficult to control.

Summary of the invention

In view of the above-mentioned shortcomings of the prior art, the object of the present invention is to provide an Internet of Things circular smart financial service system and method for solving the problem that the existing Internet finance cannot accurately assess the true state of the counterparty and the financial risk is difficult to control. .

To achieve the above and other related objects, the present invention provides an Internet of Things circular smart financial service system, where the Internet of Things circular smart financial service system includes: a client registration module, receiving registration information of the purchaser, and after correcting the audit Generating an electronic agreement book, after receiving the consent information of the purchaser to the electronic agreement, sending a member registration success notification to the purchaser; wherein the member registration success notification includes a member account code and a corresponding An activation password; a self-financing registration module, connected to the client registration module, receiving the member account code of the purchaser and a corresponding activation password, binding an identity certificate to the member account code, and activating the self-service of the buyer a financing account; a database, respectively connected to the client registration module and the self-financing registration module, storing relevant information of the purchaser's member account and self-financing account; monitoring module, receiving delivery information sent by the EPC system; financing review a module connected to the monitoring module to review the item Whether the information data is correct, after receiving the confirmed receipt information of the purchaser, the financing review; the self-funding module is connected with the financing audit module to finance the purchaser, and the purchaser pays the accounts payable to the corresponding Supplier.

Optionally, the Internet of Things circular smart financial service system further includes: an insurance module, which is connected to the financing audit module, and packages and delivers the goods delivery information through the financing audit to the insurance service provider system; the database is paid on time by the purchaser. After the accounts payable, the corresponding accounts are cancelled, or the alarm information is triggered when the purchaser fails to pay the accounts payable on time, and the overdue information is sent to the insurance service provider system, so that the insurance service provider system initiates the overdue accounts. Recover the work and make insurance claims according to the agreement.

Optionally, the IoT ring smart financial service system further includes: the database sending a registration invitation code to the supplier's email address or mobile phone to the partner supplier registered by the member with successful registration; the client The registration module receives the registration information of the supplier through the registration invitation code, and after the verification is correct, generates an electronic agreement, and after receiving the consent information of the supplier to the electronic agreement, sends a member registration success notification to The provider registration notification includes a member account code and a corresponding activation password; the self-service financing registration module receives the member account code of the supplier and a corresponding activation password, and the member account code is Binding an identity certificate, activating the self-financing account of the supplier; the database storing information about the member account of the supplier and the self-financing account.

Optionally, the Internet of Things circular smart financial service system further includes: a payment notification module, connected to the database, notifying the purchaser to pay the due bill; and an account balance inquiry module, connected to the database, displaying the member account Balance and history details; a transfer payment module, linked to the database, showing banks, or/and third party payment companies linked to the IoT circular financial services system.

Optionally, the Internet of Things circular smart financial service system further includes: a reverse bidding transaction module, connected to the database, receiving purchase information, publishing bid purchase information, and classifying and integrating the bid purchase information after unified bidding, according to The price is from low to high to accept the winning supplier and generate a confirmation of the transaction.

An Internet of Things circular smart financial service method, the Internet of Things circular smart financial service method comprises: receiving a registration information of the purchaser by using a client registration module, and after verifying correctly, generating an electronic agreement, receiving the purchase After the agreement information of the electronic agreement is sent, the member registration success notification is sent to the purchaser; wherein the member registration success notification includes the member account code and the corresponding activation password; and is connected to the client registration module. The self-financing registration module receives the member account code of the purchaser and the corresponding activation password, binds the identity certificate to the member account code, activates the self-financing account of the buyer, and utilizes the registration module with the client. a database respectively connected to the self-financing registration module, storing relevant information of the purchaser's member account and the self-financing account; using the monitoring module to receive the delivery information sent by the EPC system; using the financing audit module connected to the monitoring module, Review whether the delivery information data of the item is correct, and After the buyers to confirm receipt of information by financial audits; the use of the financial audit module connected to the module self financing, financing to the buyers, for buyers to pay the corresponding payables to suppliers.

Optionally, the method for the Internet of Things circular smart financial service further comprises: using the insurance module connected to the financing audit module, package and deliver the goods delivery information through the financing audit to the insurance service provider system; the database is in the buyer's schedule After paying the accounts payable, the corresponding account is cancelled, or the alarm information is triggered when the purchaser fails to pay the accounts payable on time, and the overdue information is sent to the insurance service provider system, so that the insurance service provider system activates the overdue account. Recover the work and make insurance claims according to the agreement.

Optionally, the IoT ring smart financial service method further includes: the database sending a registration invitation code to the supplier's email address or mobile phone to a partner supplier registered with a successful registration of the member; the client The registration module receives the registration information of the supplier through the registration invitation code, and after the verification is correct, generates an electronic agreement, and after receiving the consent information of the supplier to the electronic agreement, sends a member registration success notification to The provider registration notification includes a member account code and a corresponding activation password; the self-service financing registration module receives the member account code of the supplier and a corresponding activation password, and the member account code is Binding an identity certificate, activating the self-financing account of the supplier; the database storing information about the member account of the supplier and the self-financing account. The monitoring module receives the delivery information of the goods sent by the EPC system; and uses the financing auditing module connected to the monitoring module to check whether the delivery information data of the goods is correct, and after receiving the confirmed receipt information of the buyer, the financing review is performed. Providing accounts payable financing to the said supplier using a self-financing module linked to the financing review module.

Optionally, the IoT ring smart financial service method further includes: using a payment notification module connected to the database, notifying the purchaser to pay an due bill; using an account balance inquiry module connected to the database to display The balance of the member account and the history details; using the transfer payment module connected to the database, the bank, or/and the third party payment company linked to the IoT circular financial service system is displayed.

Optionally, the method for the Internet of Things circular financial service further comprises: using a reverse bidding transaction module connected to the database, receiving purchase information, publishing bid purchase information, and classifying and integrating the bid purchase information after unified bidding, according to The price is from low to high to accept the winning supplier and generate a confirmation of the transaction.

As described above, the Internet of Things circular financial service system and method of the present invention have the following beneficial effects:

The invention solves the problem that the commercial bank business data is manually acquired, cannot be dynamically connected with the industrial chain scene in real time, the information update frequency is slow, the decision chain is long, the efficiency is low, the cost is high, and the industry chain financial risk cannot be controlled, and the industry can be accurately grasped. Chain information, establish a transaction authenticity verification mechanism and a closed-loop industrial chain eco-economic system, form a database formed by industry chain activity information, thereby effectively controlling financial risks. It can evolve the “fragmented accounts receivable” that commercial banks cannot operate into high-quality financial assets that suppliers can finance without leaving home, providing fast, inclusive self-financing, joint financing, and two-way for small and medium-sized micro-entities. Financial services such as financing, investment and wealth management.

DRAWINGS

FIG. 1 is a schematic diagram showing an implementation structure of an Internet of Things circular smart financial service system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram showing an implementation structure of a ring-shaped eco-economic complex giant system formed by the Internet of Things circular smart financial service system according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of an exemplary similar commodity collection reverse bidding transaction process according to an embodiment of the present invention.

FIG. 4 is a schematic diagram showing an implementation process of an Internet of Things circular financial service method according to an embodiment of the present invention.

Component label description

100 IoT Ring Smart Financial Service System

101 client registration module

102 self-financing registration module

103 database

104 monitoring module

105 Financing Audit Module

106 self-financing module

107 insurance module

108 Payment Notification Module

109 Account Balance Inquiry Module

110 Transfer Payment Module

111 Reverse Auction Trading Module

S401～S411 steps

detailed description

The embodiments of the present invention are described below by way of specific examples, and those skilled in the art can readily understand other advantages and effects of the present invention from the disclosure of the present disclosure. The present invention may be embodied or applied in various other specific embodiments, and various modifications and changes can be made without departing from the spirit and scope of the invention. It should be noted that the features in the following embodiments and embodiments may be combined with each other without conflict.

It should be noted that the illustrations provided in the following embodiments merely illustrate the basic concept of the present invention in a schematic manner, and only the components related to the present invention are shown in the drawings, rather than the number and shape of components in actual implementation. Dimensional drawing, the actual type of implementation of each component type, number and proportion can be a random change, and its component layout type may also be more complex miscellaneous.

Referring to FIG. 1 , the present invention provides an Internet of Things circular smart financial service system 100. The Internet of Things circular smart financial service system 100 includes a client registration module 101, a self-service financing registration module 102, a database 103, and a monitoring module 104. The financing review module 105, the self-financing module 106, the insurance module 107, the payment notification module 108, the account balance inquiry module 109, the transfer payment module 110, and the reverse auction transaction module 111.

The client registration module 101 receives the registration information of the purchaser, and after the audit is correct, generates an electronic agreement, and after receiving the consent information of the purchaser to the electronic agreement, sends a member registration success notification to the office. The purchaser; wherein the member registration success notification includes a member account code and a corresponding activation password. Among them, the Internet of Things circular financial service system pre-certifies and reconciles the purchaser's network settlement agreement (ie, electronic agreement). The main contents of the agreement include: The purchaser agrees that the IoT smart financial service provider (ie, the Internet of Things Circular Smart Financial Service System) implements services such as buyout or subrogation financing and settlement for accounts receivable and payable for its supplier's validity period. Recognize the transfer of creditor's rights and debts formed by the IoT smart financial service providers to the buyouts or subrogations of their suppliers' accounts receivable, and promise to pay the accounts payable to the IoT financial service providers in time after the accounts expire. The IoT Smart Financial Service Provider has reached an online agreement with the supplier, and the supplier agrees to transfer the right to sell or pay the accounts receivable and payable after the delivery of the product under the buyer's transaction contract to the IoT Smart Financial Service. Business.

The Internet of Things circular smart financial service system enters the supplier information provided by the cooperative purchaser into the system database, sends the “registration invitation code” to the supplier's email address or mobile phone, and enables the supplier to log in to the intelligent financial service provider (ie, the object) The networked ring-shaped smart financial service system) web client GUI interface, according to the prompt of the GUI interface to input information for registration operation.

The self-service financing registration module 102 is connected to the client registration module 101, receives the member account code of the buyer and a corresponding activation password, binds the identity certificate to the member account code, and activates the self-service of the buyer. Financing account.

The Internet of Things circular smart financial service system enters the supplier information provided by the cooperative buyer into the database of the Internet of Things circular financial service system. The Internet of Things Circular Smart Financial Service System sends a “Registration Invitation Code” to the supplier's email address or mobile phone, so that the supplier will display the application after logging in to the client of the Internet of Things Circular Smart Financial Service System (ICLINK). Register the GUI interface. The GUI interface includes prompts for filling in the company name, business license number, legal representative name, address, and phone number. For example, the GUI graphical user interface can include a request registration button. After the supplier applicant fills in the basic information according to the GUI interface prompt, click the application registration button. After the system is approved by the database, an “Electronic Agreement” GUI sub-interface will be automatically generated. The main contents of the “Agreement” may include: Applicant Legally binding between purchasers who agree to enter into a cooperation agreement with a financial service provider (ie, the operator of the IoT Circular Smart Financial Services System) Accounts receivable sells the rights, responsibilities and obligations transferred to smart financial service providers, supplier members and smart financial service providers. The GUI sub-interface of the "Agreement" may be provided with a "Agree" prompt button. After the applicant clicks the "Agree" button, the Wisdom Financial Service Provider system will send an E-mail to the applicant after receiving the "Agreement" information from the applicant. "Registration success notification", the member registration is successful, the Internet of Things Circular Smart Financial Service System sends a member account code to the member's computer system, and sends an activation password email to the member's application for registration. After receiving the member account code and activation password, the member fills in the account code and activation password in the self-help financing tool GUI, clicks the GUI activation button, and the member of the Internet of Things circular smart financial service system binds the identity certificate (UKEY) for the member account. Self-help financing tool" account activation. After the account is activated, the member fills in the password in the password setting field of the “self-financing tool” GUI and clicks the confirmation button. The member's “self-financing” qualification is officially effective. The member clicks on the GUI graphical user interface "Start Financing" button, and the financing channel is opened. The GUI graphical user interface can also include an investment banking button. Members click on the "self-financing tool" GUI graphical user interface investment and wealth management button, which will show, but not limited to, financial products issued by financial service providers, bond products, asset securitization products, as well as cooperative banks, funds, brokers, trusts, etc. The GUI graphical user sub-interface of financial products such as wealth management products, fund products, bond products, asset securitization products issued by institutions and third-party payment companies, members can click on the target wealth management products within the scope of the fund balance of the “self-financing account” Investment and financial payment operations. The GUI graphical user interface can also include an account refill button. Click this button to display the gateway GUI sub-interface of the financial institution such as the bank linked to the smart financial service provider system, the third-party payment company, etc. After the user clicks on the target gateway, the fund account can be opened from other banks or third-party payment companies. Self-financing tools implement the transfer remittance operation.

The database 103 is connected to the client registration module 101 and the self-service financing registration module 102, respectively, and stores related information of the purchaser's member account and the self-financing account. The database 103 sends a registration invitation code to the supplier's email address or mobile phone to the partner supplier registered by the member who has successfully registered the member. The client registration module 101 receives the registration information of the supplier through the registration invitation code, and after the audit is correct, generates an electronic agreement, and after receiving the consent information of the supplier to the electronic agreement, sends the information. The member registration success notification is sent to the supplier; wherein the member registration success notification includes a member account code and a corresponding activation password; the self-service financing registration module 102 receives the member account code of the supplier and a corresponding activation password, Binding an identity certificate to the member account code, activating the self-financing account of the supplier; the database 103 stores information about the member account of the supplier and the self-financing account.

The monitoring module 104 receives the delivery information of the goods sent by the EPC system. The supplier delivers the radio frequency electronic tag with embedded information or the manufacturer's name, date of manufacture, code, etc. to the buyer's designated logistics warehouse with which the transaction contract is concluded. When the item passes through the reader, the radio frequency tag will be The information of the object is transmitted to the reader, and the reader transmits the read information to the central processor, and the central processor transmits the generated item delivery information (ie, the delivery information). To the Internet of Things circular smart financial service system, after the system audit is correct, the supplier can get fast self-financing services on the client of the Internet of Things circular smart financial service system platform. The monitoring module 104 receives the delivery information sent by the EPC system until the goods are confirmed by the purchaser, and then provides the verification result to the financing audit module 105 of the IoT smart financial service provider. EPC (Product Electronic Code) is a set of numbers consisting of data fields such as header, vendor identification code, object classification code, and serial number. The product electronic code is the next-generation product identification code that provides globally unique identification of objects in the supply chain, including items, boxes, pallets, locations, and more. The EPC is stored on an RFID tag that contains a silicon chip and an antenna. When reading an EPC tag, it can be linked to some dynamic data, such as the origin or date of manufacture of the trade item. This is very similar to the Global Trade Item Code (GTIN) and Vehicle Identification Number (VIN), which is like a key to unlock the relevant product information on the EPC network.

The financing auditing module 105 is connected to the monitoring module 104, and checks whether the item delivery information data is correct, and passes the financing review after receiving the confirmation receipt information of the buyer.

The self-financing module 106 is connected to the financing audit module 105 to finance the buyer for the buyer to pay the accounts payable to the corresponding supplier. In the technical solution of the present invention, the supplier delivers the item of the radio frequency electronic tag embedded or affixed with the information of the production enterprise, model, production date, code and the like to the designated logistics warehouse of the buyer who has reached the transaction contract, and when the item is read When the device transmits the information of the object to the reader, the reader transmits the read information to the central processor, and the central processor transmits the generated delivery information data to the intelligent financial service system of the Internet of Things, which is verified by the system. After that, suppliers can get fast self-financing services on the client side of the IoT smart financial service provider system platform.

The insurance module 107 is connected to the financing audit module 105, and packages and delivers the goods delivery information through the financing audit to the insurance service provider system. The database 103 cancels the corresponding account after the purchaser pays the accounts payable on schedule, or triggers the alarm information when the purchaser fails to pay the accounts payable on schedule, and sends the overdue information to the insurance service provider system. The insurance service provider system initiates the overdue account recovery work and conducts insurance claims in accordance with the agreement. The insurance module 107 provides a "packaged network insurance method for receivables collection", which enables the IOT financial service provider to avoid the risk caused by the sudden change of the credit quality of the purchaser, and also opens up a network for the insurance institution. Sustainable, low-cost, cyber insurance blue ocean market. After the insurance module 107 verifies the delivery information sent by the electronic label according to the electronic label, the insurance information is automatically verified and packaged, and the insurance information is sent to the insurance service provider system, and the insurance service provider system replies and agrees to insure. The e-mail, IoT smart financial service provider system review, the corresponding insurance premiums are paid to the insurance service provider online banking account, and the online insurance agreement between the IoT smart financial service provider and the insurance service provider is officially effective. After the above-mentioned network insurance agreement expires, the purchaser pays the accounts payable to the online banking account of the IoT financial service provider, and the IoT smart financial service provider system cancels the registration unit database. The buyer's account payable. If the purchaser fails to pay the funds to the online banking account of the IOT Smart Financial Service Provider after the expiration of the accounts payable, the IoT Smart Financial Service Provider System Registration Unit Database System triggers the alarm information of the accounts receivable overdue and automatically After the account overdue information is sent to the insurance service provider system, after receiving the overdue information of the account, the insurance service provider system initiates the overdue account recovery work and makes insurance claims according to the agreement.

The payment notification module 108 is coupled to the database 103 to notify the purchaser to pay the due bill.

The account balance inquiry module 109 is connected to the database 103 to display the balance of the member account and the history record details.

The transfer payment module 110 is coupled to the database 103 and displays a bank, or/and a third party payment company, linked to the Internet of Things circular smart financial service system.

The GUI graphical user interface may further include: a notification GUI of the accounts receivable account.

The GUI sub-interface may further include: an account balance inquiry button. When you click this button, a GUI sub-interface with a balance account and a history detail list is displayed.

The GUI graphical user interface can further include: a transfer payment button. Clicking this button will display the gateway GUI sub-interface of the financial institution such as the bank linked to the financial service provider system and the third-party payment company. After the user clicks on the financial institution gateway of the target payment, the payment operation is implemented according to the relevant prompts of each gateway.

The reverse bidding transaction module 111 is connected to the database 103, receives the purchase information, issues the bidding purchase information, classifies and integrates the bid purchase information, and uniformly invites the bidding, and accepts the winning bidder according to the price from low to high, and generates a confirmation of the transaction. book. The reverse bidding transaction module 111 implements a commodity trading method, in particular, a network bidding transaction with a standard model specification commodity, which is a subsystem of the Internet of Things circular smart financial ecosystem, and is widely applicable to medical, textile, leather, Trading of raw materials, parts and finished products in building materials, household, machinery, hardware, automobiles, electrical appliances, food, tobacco and alcohol, chemicals, metallurgy, agricultural products and other industries. The reverse bidding transaction module 111 is a similar kind of commodity reverse auction system, which is a new type of bidding transaction in which the bidding demand of the same standard goods is aggregated into a large quantity of procurement targets by means of the Internet and information technology, and the bidding is uniformly issued. In the system, the trading mode is different from the traditional auction trading mode. The bidding direction and the transaction price are opposite to the traditional auction markup bidding. The auction trading mode is based on the high-to-low price of the bidding benchmark price. The traditional "one-on-one" or "one-to-many" decentralized transaction format has been transformed into a unified "many-to-many" transaction model, which has formed a "scalar" aggregation of bidding, and has made the use of the Internet and information technology efficient and popular. It is intelligent, free from geographical space and time constraints, and can fully exploit the maximum value saving space of the procurement target, and can also significantly reduce the cost of sales of suppliers. The reverse bidding transaction module 111 adopts a double bidding form, and an unlimited number of suppliers perform an unlimited number of network reverse bidding bids within an effective bidding period, thereby achieving full price competition. At the end of the auction, the winning bidder shall be determined according to the principle of the lowest bidder priority, if the minimum offer is available The supplier can not meet the demand for integrated purchase volume, the short part is won by the second lowest quotation supplier and so on; the “reverse bidding transaction system” implements the setting and exercise of the supplier quotation time priority under the same price condition. If there are more than one successful bid supplier, the average value of the supplier's winning bid will be the final bid price of the buyer. The bid evaluation database of the reverse bidding transaction module 111 is open to the relevant government supervision and management department, and accepts supervision and inspection to ensure the fairness of the bidding process and the result. Figure 3 provides an exemplary similar commodity collection reverse auction transaction process.

The business functions of the reverse bidding transaction module 111 include:

1) Procurement of the qualification registration of the purchaser, uploading the business license, business license and other supporting documents.

2) The purchaser logs in, registers the purchase information, and fills in the registration according to the product standard model specifications.

3) Bidding procurement information is released, unified bidding after classification and integration, setting benchmark price, bidding period, etc.

4) The supplier registration audit certification, the supplier submits the production, sales license and other information for the record review.

5) The supplier logs in the quotation and can modify the quotation within the validity period of the auction.

6) Notice of winning the bid.

7) The supplier logs in to confirm the order and the transaction contract is concluded.

8) The buyer pays the credit guarantee or credit guarantee document.

9) Send the transaction order success information to the supplier.

10) Send payment service commission information to the supplier.

11) Credit blacklist (provided by supplier, purchaser, operator review).

Among them, the buyer provides credit guarantee or credit guarantee documents to the settlement center, and the settlement center acts as a third-party payment platform to perform transaction supervision services. After the delivery of the goods is completed and the commission for the transaction is deducted, it is paid to the supplier as part of the payment. If the purchaser is a “settlement center” certified member, the deposit can be exempted. Subsequent commodity transaction settlement and supplier financing are carried out by the settlement center operation platform. The supplier's trading commission is deducted from subsequent settlements.

The basic functions of the reverse bidding transaction module 111 include: 1. User management, the system randomly assigns a username and password, and supports CA identity authentication. 2. Support multi-user instant synchronization bidding. 3. Support the setting and exercise of priority. 4. Bidding suppliers, operators, and supervisors log in and display different pages or information through different rights accounts, and all kinds of page data are synchronized with the bidding process in real time. 5. Support to send instant dynamic information to suppliers in the auction. 6. Judging the transaction confirmation document based on the results of the online bidding. 7, data filing.

The Internet of Things circular intelligent financial service system of the present invention is an Internet of Finance (IoF) circular ecological economic giant system, and the circular ecological economic giant system is composed of the Golden Network (financial networking, English abbreviation IoF) Networking (referred to as IoT in English) and Internet of Things (IoS), such as the intelligently interconnected and complex giant system that seamlessly interconnects and cooperates across networks, which subverts the traditional financial system with the enterprise solid state limited information as the standard operating model. "material information" For financial business management objects, securely complete financial transactions through the “material information” authenticity verification mechanism, which can provide simple, fast, fair, inclusive and intelligent, standardized financing for small and medium-sized micro-entities that generally have accounts receivable. service.

In the present invention, as long as the purchaser can obtain the credit certification of the Internet of Things circular smart financial service system, the supplier can obtain the online financing service of the accounts receivable after the product transaction is delivered, especially the commercial bank cannot operate. “Fragmented accounts receivable” evolved into high-quality financial assets that suppliers can finance without leaving home, providing fast, inclusive self-financing, joint financing, two-way financing, investment and financial services for small and medium-sized micro-entities. And through the “material information” data credit rating system, the multi-integrated services such as innovative financing, technological transformation financing, lease financing, credit loan and asset management provided by the IoT circular smart financial service system to obtain the corresponding credit line can be formed. A good "self-hematopoietic function" greatly speeds up the efficiency of capital turnover, significantly reduces cost savings and improves market competitiveness.

The invention adopts the EPC system composed of the global product electronic code (EPC) coding system, the radio frequency identification system and the information network system as the core management tool of the financial business, and the position and state of the object through the technology such as radio frequency identification, wireless communication and the Internet of Things. Conduct global real-time tracking, master the process and dynamics of each commodity flowing from the enterprise to the market, subvert the traditional financial methods of enterprise people or management objectives, take “material information” as the management object, and verify the security through the “material information” authenticity verification. Financial transactions form a new type of IoT financial service system and method, which can provide an ideal solution for the innovation of inclusive financial system.

In the present invention, the Internet of Things circular smart financial service system can be combined with a material procurement service system, a commodity sales service system, a logistics distribution service system, a financial transaction system, a wealth management service system, an information service system, a credit management service system, and supply chain information. The network of collaborative management service systems and other networks are seamlessly interconnected to form a circular eco-complex system. As shown in Figure 2, it can provide reliable information on the circulation and dynamics of product chain products for financial services, which can further reduce financial resources. Business risk.

The invention can be a material procurement service system, a commodity sales service system, a logistics loading service system, a business service system, a financial transaction system, a wealth management service system, an information service system, a credit management service system, a supply chain informationization collaborative management service system, etc. The network and the Internet of Things circular smart financial service system form a circular ecological and economic complex system. Compared with the traditional accounting method in the existing circulation field and the traditional financial service mode, the present invention has the following beneficial effects:

1) IOT smart financial service providers (that is, operators of the Internet of Things circular smart financial service system, also referred to as smart financial service providers) can accurately grasp the information of the industry chain, establish a transaction authenticity verification mechanism and a closed-loop industrial chain ecological economy. The system forms a database formed by information on industry chain activities, thereby effectively controlling financial risks.

2) As long as the buyer obtains the credit certification of the smart financial service provider and reaches a cooperation agreement, the supplier can become a registered member of the smart financial service provider service system after the application is approved, and the supplier member's products pass the designated logistics service provider. After the delivery, the accounts receivable that have not yet reached the collection period can be quickly cashed back.

3) Since the invention adopts networked operation and the marginal cost of operation is extremely low, it can provide financing services for "fragmented accounts receivable" of small and medium-sized enterprises.

4) The “self-financing tool” that can provide the GUI graphical user interface for the supplier, the supplier user can follow the menu button prompt operation of the GUI graphical user interface, and can realize the one-click self-help ring financing without leaving the house.

5) Under the mode of the present invention, the supplier can avoid the loss of accounts receivable and bad debts.

6) In the mode of the present invention, since the payment can be continuously and quickly returned, the supplier's capital turnover efficiency can be improved, the loan demand can be reduced, and the profit can be improved.

7) Under the mode of the present invention, the debt ratio of the supplier member enterprises can be greatly reduced; the financial cash ratio can be improved, the financial structure of the enterprise can be optimized, and the creditworthiness of the enterprise can be improved.

8) Under the mode of the present invention, the supplier member can inquire about the delivery, settlement and other information of the enterprise in the IOT smart financial service provider system at any time, which is beneficial to arrange accurate production, reduce the inventory of raw materials and spare parts, and shorten the inventory turnover cycle. Save production costs.

9) Under the mode of the present invention, the accounts payable of the cooperative purchaser can be implemented by the smart financial service provider to implement the buyout financing and the subrogation settlement, so that the supplier who supplies the goods has the opportunity to realize the unsettled accounts receivable. Rapid liquidation can improve the production and supply capacity of its suppliers and improve the reputation and market competitiveness of cooperative buyers.

10) Under the mode of the present invention, since the accounts payable of the cooperative purchaser enterprise is uniformly settled by the smart financial service provider, the cooperative purchaser can change from one to the other, one by one, and one by one. In order to achieve unified settlement with a smart financial service provider, it can enable cooperative buyers to significantly reduce the workload of the financial department, thereby significantly reducing labor costs and management costs. At the same time, it can greatly reduce the contradiction between buyers and suppliers due to settlement of accounts, and promote harmonious and win-win development.

11) Under the mode of the present invention, the implementation of the network financial service mode of computer system operation management can greatly improve the efficiency of financial services and reduce the cost of financial services.

12) In the mode of the present invention, the smart financial service provider can link with the computer system of the insurance service provider through the computer system, and the computer system of the intelligent financial service provider can implement the account receivable asset through the buyout factor by the computer system. Centralized portfolio insurance, which can greatly improve the efficiency of insurance services and reduce the management costs of insurance services.

13) In the mode of the present invention, members can use the computer GUI graphical user interface of the member company to provide convenient investment and wealth management operations for the company's temporary idle funds.

14) Under the model of the present invention, the supplier member can also obtain the material procurement service, the commodity sales service, the logistics distribution service, the investment wealth management service, the information and information service, the credit management service, the supply chain provided by the IOT smart financial service provider. Collaboration Management and other value-added services.

The application scope of the present invention includes information networks such as a wired network, a wireless network, a satellite communication network, and a broadcast television network.

The invention also provides an Internet of Things circular financial service system, wherein the Internet of Things circular financial service system can implement the Internet of Things circular smart financial service method of the present invention, but the Internet of Things circular smart financial service method of the present invention The implementation device includes, but is not limited to, the structure of the Internet of Things circular smart financial service system enumerated in this embodiment. Any structural variations and substitutions of the prior art according to the principles of the present invention are included in the scope of the present invention.

Referring to FIG. 4, the method for the Internet of Things circular smart financial service includes:

S401. The client registration module is used to receive the registration information of the purchaser. After the verification is correct, an electronic agreement is generated. After receiving the consent information of the purchaser to the electronic agreement, the member registration success notification is sent to the office. The purchaser; wherein the member registration success notification includes a member account code and a corresponding activation password.

S402. The self-service financing registration module connected to the client registration module is used to receive the member account code of the purchaser and the corresponding activation password, and bind the identity certificate to the member account code to activate the self-service of the buyer. Financing account.

S403. Store, by using a database respectively connected to the client registration module and the self-service financing registration module, information about a member account and a self-financing account of the purchaser; and the database provides a cooperative supply of a registered purchaser with a successful member registration. Sending a registration invitation code to the email address or mobile phone of the supplier; the client registration module receives the registration information of the supplier through the registration invitation code, and after verifying correctly, generates an electronic agreement, and receives the electronic agreement After the supplier agrees to the electronic agreement, sending a member registration success notification to the supplier; wherein the member registration success notification includes a member account code and a corresponding activation password; the self-service financing registration module receives The member account code of the supplier and the corresponding activation password, binding the identity certificate to the member account code, activating the self-financing account of the supplier; the database storing the member account and the self-financing account of the supplier Related information.

S404. The monitoring module receives the delivery information of the goods sent by the EPC system.

S405. The financing review module connected to the monitoring module is used to check whether the item delivery information data is correct, and after receiving the confirmed receipt information of the buyer, the financing review is performed.

S406. The self-financing module connected to the financing audit module is used to finance the purchaser, and the purchaser pays the accounts payable to the corresponding supplier.

S407, using the insurance module connected to the financing audit module, package and deliver the goods delivery information through the financing audit to the insurance service provider system; wherein the database cancels the corresponding account after the purchaser pays the accounts payable on schedule, or When the purchaser fails to pay the accounts payable on time, the alarm information is triggered, and the overdue information of the account is sent to the insurance service provider system, so that the insurance service provider system initiates the overdue account recovery work and makes insurance claims according to the agreement.

S408: Using the reverse bidding transaction module connected to the database, receiving the purchase information, publishing the bidding purchase information, classifying and integrating the bid purchase information, and uniformly bidding, and accepting the winning bidder according to the price from low to high, generating a confirmation of the transaction. book.

S409, notifying the purchaser to pay the due bill by using a payment notification module connected to the database.

S410. Display an account balance and a history record by using an account balance inquiry module connected to the database.

S411, using a transfer payment module connected to the database, displaying a bank linked to the Internet of Things circular financial service system, or/and a third-party payment company.

The scope of protection of the Internet of Things circular financial service method according to the present invention is not limited to the step execution sequence enumerated in this embodiment, and the steps of the prior art steps of increasing or decreasing and replacing the steps according to the principles of the present invention include Within the scope of protection of the present invention.

In summary, the present invention effectively overcomes various shortcomings in the prior art and has high industrial utilization value.

The above-described embodiments are merely illustrative of the principles of the invention and its effects, and are not intended to limit the invention. Modifications or variations of the above-described embodiments may be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, all equivalent modifications or changes made by those skilled in the art without departing from the spirit and scope of the invention will be covered by the appended claims.

Claims

An Internet of Things circular smart financial service system, characterized in that the Internet of Things circular smart financial service system comprises:

The client registration module receives the registration information of the purchaser, and after the audit is correct, generates an electronic agreement, and after receiving the consent information of the purchaser to the electronic agreement, sends a member registration success notification to the purchase. The member registration success notification includes a member account code and a corresponding activation password;

The self-financing registration module is connected to the client registration module, receives the member account code of the purchaser and a corresponding activation password, binds the identity certificate to the member account code, and activates the self-financing account of the buyer;

a database, which is respectively connected to the client registration module and the self-service financing registration module, and stores related information of the purchaser's member account and the self-financing account;

The monitoring module receives the delivery information of the goods sent by the EPC system;

The financing auditing module is connected to the monitoring module to verify whether the item delivery information data is correct, and after receiving the confirmed receipt information of the buyer, the financing review is performed;

The self-financing module is connected to the financing audit module to finance the purchaser, and the purchaser pays the accounts payable to the corresponding supplier.
The Internet of Things circular smart financial service system according to claim 1, wherein the Internet of Things circular smart financial service system further comprises:

The insurance module is connected with the financing audit module, and packages and delivers the goods delivery information through the financing audit to the insurance service provider system;

The database cancels the corresponding account after the purchaser pays the accounts payable on schedule, or triggers the alarm information when the purchaser fails to pay the accounts payable on time, and sends the account overdue information to the insurance service provider system, so as to The insurance service provider system initiates overdue account recovery work and conducts insurance claims in accordance with the agreement.
The Internet of Things circular smart financial service system according to claim 1, wherein the Internet of Things circular smart financial service system further comprises:

The database sends a registration invitation code to the supplier's email address or mobile phone to the partner supplier registered by the member who has successfully registered the member;

The client registration module receives the registration information of the supplier through the registration invitation code, and after the audit is correct, generates an electronic agreement, and sends the member after receiving the consent information of the supplier to the electronic agreement. The registration success notification is sent to the supplier; wherein the member registration success notification includes a member account code and a corresponding activation password;

The self-financing registration module receives the member account code of the supplier and the corresponding activation password, binds the identity certificate to the member account code, and activates the self-service financing account of the supplier;

The database stores information about the member account of the supplier and the self-financing account.
The Internet of Things circular smart financial service system according to claim 1, wherein the Internet of Things circular smart financial service system further comprises:

a payment notification module, connected to the database, to notify the purchaser to pay the due bill;

An account balance inquiry module is connected to the database to display a balance of the member account and a history record;

A transfer payment module is coupled to the database to display a bank, or/and a third party payment company, linked to the IoT circular financial services system.
The Internet of Things circular smart financial service system according to claim 1, wherein the Internet of Things circular smart financial service system further comprises:

The reverse bidding transaction module is connected with the database, receives the purchase information, issues the bidding purchase information, and classifies the bid purchase information into a unified bidding, and accepts the winning bidder according to the price from low to high, and generates a confirmation of the transaction.
An Internet of Things circular smart financial service method, characterized in that the Internet of Things circular smart financial service method comprises:

Receiving the registration information of the purchaser by using the client registration module, and after the audit is correct, generating an electronic agreement, and after receiving the consent information of the purchaser to the electronic agreement, sending a member registration success notification to the purchase The member registration success notification includes a member account code and a corresponding activation password;

Receiving, by using a self-service financing registration module connected to the client registration module, a member account code of the purchaser and a corresponding activation password, binding an identity certificate to the member account code, and activating the self-financing account of the buyer ;

And storing, by using a database respectively connected to the client registration module and the self-service financing registration module, related information of the purchaser's member account and the self-financing account;

Receiving, by the monitoring module, the delivery information of the goods sent by the EPC system;

Using the financing audit module connected to the monitoring module to verify whether the item delivery information data is correct, and after receiving the confirmed receipt information of the buyer, passing the financing review;

The self-financing module connected to the financing audit module is used to finance the purchaser for the purchaser to pay the accounts payable to the corresponding supplier.
The method for the invention of the Internet of Things circular financial service according to claim 6, wherein the method for the Internet of Things circular financial service further comprises:

Using the insurance module connected to the financing audit module, the goods delivery information through the financing audit is packaged and insured to the insurance service provider system;

The database cancels the corresponding account after the purchaser pays the accounts payable on schedule, or triggers the alarm information when the purchaser fails to pay the accounts payable on time, and sends the account overdue information to the insurance service provider system, so as to The insurance service provider system initiates overdue account recovery work and conducts insurance claims in accordance with the agreement.
The method for the invention of the Internet of Things circular smart financial service according to claim 6, wherein the method for the Internet of Things circular smart financial service further comprises:

The database sends a registration invitation code to the supplier's email address or mobile phone to the partner supplier registered by the member who has successfully registered the member;

The client registration module receives the registration information of the supplier through the registration invitation code, and after the audit is correct, generates an electronic agreement, and sends the member after receiving the consent information of the supplier to the electronic agreement. The registration success notification is sent to the supplier; wherein the member registration success notification includes a member account code and a corresponding activation password;

The self-financing registration module receives the member account code of the supplier and the corresponding activation password, binds the identity certificate to the member account code, and activates the self-service financing account of the supplier;

The database stores information about the member account of the supplier and the self-financing account.
The method of the invention of the Internet of Things circular financial service according to claim 6, wherein the method for the Internet of Things circular financial service further comprises:

Notifying the purchaser to pay the due bill by using a payment notification module connected to the database;

Displaying the balance of the member account and the history record by using the account balance inquiry module connected to the database;

A bank, or/and a third party payment company, linked to the IoT circular financial services system is displayed using a transfer payment module coupled to the database.
The method for the invention of the Internet of Things circular smart financial service according to claim 6, wherein the method for the Internet of Things circular smart financial service further comprises:

The reverse bidding transaction module connected with the database is used to receive the purchase information, issue the bidding purchase information, classify and integrate the bidding purchase information, and then bid in a unified manner, and accept the winning bidder according to the price from low to high, and generate a confirmation of the transaction.