WO2021143651A1

WO2021143651A1 - Blockchain technology-based supply chain finance platform system

Info

Publication number: WO2021143651A1
Application number: PCT/CN2021/071118
Authority: WO
Inventors: 肖光昱; 贺小鹏; 郭荣红; 巫朝华
Original assignee: 深圳前海点金保理有限公司
Priority date: 2020-01-17
Filing date: 2021-01-11
Publication date: 2021-07-22
Also published as: CN111260473A

Abstract

A blockchain technology-based supply chain finance platform system (100). The blockchain technology-based supply chain finance platform system (100) is a big middle platform system, and the blockchain technology-based supply chain finance platform system (100) comprises a supply chain collaboration platform (110), a consortium chain platform (120) and an integrated platform (130) which are connected to each other, data and information of said system being communicatively displayed, stored and used in real time, and the consortium chain platform (120) comprising a plurality of blockchain nodes. The supply chain collaboration platform (110) displays and stores transaction information in the actual trade background of an enterprise, and sends the transaction information to the consortium chain platform (120) for storage; the consortium chain platform (120) is used for storing the transaction information sent by the supply chain collaboration platform (110); and the integrated platform (130) uses the transaction information displayed and stored in real time in the consortium chain platform (120) to implement a financing service, a clearing service, a payment service and a funds adjustment service of the enterprise. The system guarantees the benefits of suppliers or financial institutions that transact with an enterprise.

Description

Supply chain financial platform system based on blockchain technology

This application claims the priority of the Chinese patent application filed on January 17, 2020, with the application number 202010058431.9, titled "Blockchain technology-based supply chain financial platform system", the full text of which is hereby incorporated by reference.

Technical field

This application relates to the field of electronic payment technology, and in particular to a supply chain financial platform system based on blockchain technology.

Background technique

Supply chain finance is to provide customized financial services to a certain link of the supply chain or the entire chain. By integrating information, capital, logistics and other resources, it can improve the efficiency of capital use, create value for all parties, and reduce risks.

With the development of technology, the transactions between the various companies that constitute the supply chain are not limited to offline transactions, but also online transactions. When choosing to conduct online transactions with a certain company, it is usually to view the historical transaction information of the company. However, the historical transaction information of the enterprise may be forged, that is, the historical transaction information is not based on the transaction information in the context of real trade, which makes the protection of the rights and interests of the suppliers or financial institutions dealing with the enterprise lower.

The above content is only used to assist the understanding of the technical solution of the application, and does not mean that the above content is recognized as prior art.

technical problem

The main purpose of this application is to provide a supply chain financial platform system based on blockchain technology, aiming at the problem of low protection of the rights and interests of suppliers or financial institutions that trade with enterprises.

Technical solutions

In order to achieve the above purpose, this application provides a supply chain financial platform system based on blockchain technology,

The supply chain financial platform system based on blockchain technology is a large and medium-sized platform system, and the supply chain financial platform system based on blockchain technology includes interconnected supply chain collaboration platforms, alliance chain platforms, and integrated platforms. Data and information are connected and displayed, stored and used in real time. The alliance chain platform includes multiple blockchain nodes, among which,

The supply chain collaboration platform displays and stores the transaction information under the real trade background of the enterprise, and sends the transaction information to the alliance chain platform for storage;

The alliance chain platform is used to store transaction information sent by the supply chain collaboration platform;

The integrated platform uses the real-time displayed and stored transaction information in the alliance chain platform to realize the financing business, clearing business, payment business and capital adjustment business of the enterprise.

In an embodiment, the integrated platform is also used to obtain transaction information of a target company with funding needs collected by the supply chain collaboration platform, and standardize and digitize the target company’s assets according to the transaction information, and The digitized assets are stored in the alliance chain platform.

In one embodiment, the integrated platform is also used to determine the credit of the enterprise according to the transaction information of the enterprise provided by the supply chain collaboration platform, and to adjust the balance of funds on the platform.

In an embodiment, the integrated platform is also used to determine the company's capital repayment ability based on the company's transaction information provided by the supply chain collaboration platform.

In an embodiment, the integrated platform is also used to determine whether the enterprise is a core enterprise based on the enterprise's credit and fund repayment ability.

In an embodiment, the supply chain financial platform system based on blockchain technology further includes a third-party system module, and the third-party system module is connected to the integrated platform,

The third-party system module is used to implement data interaction between the integrated platform and the terminal corresponding to the third-party organization.

In an embodiment, the third-party system module includes a CFCA interface, a bank-enterprise direct connection interface, a China-login network interface, and a tax control system interface.

In an embodiment, the alliance chain platform includes a plurality of blockchain nodes, and each of the blockchain nodes is connected to a terminal corresponding to an enterprise, so that each of the enterprises forms a supply chain.

Beneficial effect

The supply chain finance platform system based on blockchain technology and the supply chain finance platform system proposed in the embodiments of the application include interconnected supply chain collaboration platforms, alliance chain platforms, supply chain finance platforms, and integrated platforms; for supply chain collaboration platforms To obtain the transaction information under the real trade background of the enterprise, and send the transaction information to the alliance chain platform for storage; the alliance chain platform is used to store the transaction information sent by the supply chain collaboration platform; the integrated platform is used to retrieve the alliance chain platform The transaction information is used to realize the financing business, clearing business, payment business and capital adjustment business of the enterprise. Since the multi-party nodes of the alliance chain platform verify the real trading background of the transaction information, the integrated platform can conduct financing, clearing, payment, and capital adjustment services for the enterprise based on the transaction information under the real trading background, thereby ensuring The rights and interests of suppliers or financial institutions in corporate transactions.

Description of the drawings

FIG. 1 is a system architecture diagram of a supply chain financial platform system based on blockchain technology involved in the embodiment of the present application;

FIG. 2 is another system architecture diagram of the supply chain financial platform system based on blockchain technology involved in the embodiment of the application.

The realization, functional characteristics, and advantages of the purpose of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings.

Embodiments of the present invention

It should be understood that the specific embodiments described here are only used to explain the present application, and are not used to limit the present application.

As shown in Fig. 1, Fig. 1 is a system architecture diagram of a supply chain financial platform system based on blockchain technology involved in an embodiment of the present application.

As shown in Figure 1, a supply chain financial platform system 100 based on blockchain technology includes a supply chain collaboration platform 110, an alliance chain platform 120, and an integrated platform 130 connected to each other. The alliance chain platform 130 includes multiple blockchain nodes. . The supply chain financial platform system 100 based on blockchain technology is a large and medium platform system. The data and information on the supply chain financial platform system 100 based on blockchain technology are connected, displayed, stored and used in real time.

Among them, the supply chain collaboration platform 110 displays and stores the transaction information of the enterprise in the context of real trade, and sends the transaction information to the alliance chain platform for storage. In addition, the supply chain collaboration platform 110 uses APIs to upload contracts, orders, delivery confirmation, warehousing records, reconciliation and settlement, invoices, and accounts receivable data on the chain, and upstream and downstream enterprise nodes, core enterprise nodes, and supply chain nodes of the alliance chain. The chain collaboration platform node, the regulatory agency node, and the fund provider jointly confirm the entire chain to ensure that the fund provider has a clear understanding of the demander’s operation and fund repayment ability

The alliance chain platform 120 is used to store transaction information sent by the supply chain collaboration platform. In addition, the alliance chain platform 120 uses the blockchain smart contract platform of the alliance chain networking model as the underlying architecture to build suppliers, purchasers, logistics providers, supply chain collaboration cloud platforms + bank/non-bank finance that serve the manufacturing field Institution’s application platform. Data encryption/privacy protection, to realize the SM9 high-efficiency national secret solution to solve the contradiction between information sharing and data privacy on the chain. Record trade data, warehousing and distribution data, enterprise data, and deposit certificate data in the trade chain ledger, financing data and institutional data in the financing chain ledger, cross-verify key elements such as invoices and amounts in trade information and financing information on the multi-ledger chain The authenticity of the information is effectively protected, and the entire information process is transparent and visible, which enhances the authenticity and credibility of trade. Through the creation of a secure and transparent distributed ledger, a credible digital supply chain is constructed, and bill data is digitized through smart contracts and distributed ledger. The data on the chain can be traced to the source, realizing the complete process from invoicing, circulation, and discounting. The alliance chain platform 120 includes multiple blockchain nodes, and each blockchain node is connected to a terminal corresponding to an enterprise, so that each enterprise forms a supply chain. The data of each node in the supply chain is connected in real time using the Internet of Things, blockchain technology, and 5G technology to ensure the consistency of transaction data and cannot be tampered with, increasing the credible value of data.

The integrated platform 130 uses the real-time displayed and stored transaction information in the alliance chain platform 120 to realize the financing business, clearing business, payment business and capital adjustment business of the enterprise. It is understandable that the integrated platform 130 can be regarded as the center of a supply chain financial platform system based on blockchain technology. The integrated platform 130 is used to implement any online transaction requested by various companies, such as corporate financing, clearing, and payment. Business and capital adjustment business. In addition, the integrated platform 130 can also actively adjust the funds corresponding to each node of the supply chain, that is, the integrated platform 130 realizes the fund adjustment of the supply chain nodes. For example, the integrated platform 130 learns that a certain supply chain node has insufficient funds based on the funding information of the transaction information in the alliance chain platform, and the integrated platform 130 retrieves funds from the supply chain nodes with sufficient funds and transfers the funds to Supply chain nodes with insufficient funds. Funds here refer to digital funds.

In this embodiment, the supply chain financial platform system based on blockchain technology cooperates with third-party supervision and other means to close the funds or control property rights in the supply chain, and provide integrated finance such as credit and wealth management for upstream and downstream; combined with blockchain technology, Risks are easy to control and can help small and medium-sized enterprises in the manufacturing sector solve the problems of financing difficulties and high financing; help banks achieve differentiated competition, open up the small and medium-sized enterprises market, and realize inclusive finance; and help core enterprises improve the efficiency of the entire industrial chain. Help chain members to revitalize current assets, accelerate capital withdrawal, and convert inter-enterprise commercial credit into bank credit.

In this embodiment, the supply chain financial platform system includes interconnected supply chain collaboration platforms, alliance chain platforms, supply chain finance platforms, and integrated platforms; the supply chain collaboration platform is used to obtain transaction information in the context of real trade of enterprises, and to exchange transactions. The information is sent to the alliance chain platform for storage; the alliance chain platform is used to store the transaction information sent by the supply chain collaboration platform; the integrated platform is used to retrieve the transaction information in the alliance chain platform to realize the financing business, clearing business, and payment of the enterprise Business and capital adjustment business. Since the multi-party nodes of the alliance chain platform verify the real trading background of the transaction information, the integrated platform can conduct financing, clearing, payment, and capital adjustment services for the enterprise based on the transaction information under the real trading background, thereby ensuring The rights and interests of suppliers or financial institutions in corporate transactions.

Further, the integrated platform 130 is used to obtain transaction information of a target company with funding needs collected by the supply chain collaboration platform, and standardize and digitize the target company’s assets according to the transaction information, and store the digitized assets in In the alliance chain platform. In addition, the integrated platform 130 collects upstream and downstream small and medium-sized enterprises that have capital needs on the supply chain collaboration platform, including transactions, reconciliation and settlement, accounts receivable, bills, warehouse receipts, electronic commercial acceptance bills, and asset digitization and standardization of financing conditions. , Use the blockchain to complete and realize digital asset registration, chaining, financing, and confirmation of rights. The accounts receivable are digitized and recorded on the blockchain, so that the accounts receivable can be transmitted at multiple levels. The verification technology based on blockchain distributed ledger and data encryption and zero-knowledge proof ensures the authenticity and validity of digital assets. Platform-based online electronic contracts and electronic invoices may be forged and difficult to prove themselves. A consensus storage system for digital certificates is established through the blockchain. Based on the trade data of the supply chain collaboration platform, combined with AI technology to establish risk control models from different dimensions, output credit risk evaluation and pricing of small and micro enterprises, prevent financial risks, achieve quantitative credit grants, and tiered early warning.

Further, the integrated platform 130 is also used to determine the credit of the enterprise and the capital repayment ability of the enterprise according to the transaction information of the enterprise provided by the supply chain collaboration platform. The integrated platform 130 can associate the company's credit and fund repayment ability with the company and store it in the alliance chain platform.

In addition, the integrated platform 130 is also used to determine whether the company is a core company based on the company's credit and fund repayment ability. Specifically, the integrated platform 130 determines whether the credit and capital repayment capabilities are greater than their respective preset thresholds. If so, the enterprise is a core enterprise, and the enterprise is identified as the core enterprise, so that the identification and enterprise association are stored in the alliance chain platform.

2, the supply chain financial platform system 100 based on blockchain technology includes a third-party interface module 140. The integrated platform 130 interacts with the terminals of third-party institutions through the third-party interface module 140. The third-party terminals include banks, Factoring financial institutions, Zhongdeng.com, tax control systems, etc. The third-party interface module 140 includes a CFCA interface, a bank-enterprise direct connection interface, a China-login network interface, and a tax control system interface. Among them, the CFCA interface is used for financing handling, reviewer identity authentication, Ukey frequent issuance and signature, electronic signature, and contract preservation; the bank-enterprise direct connection interface is used for supplier financing requests to connect to the bank's funder business system through bank-enterprise direct connection ; The interface of Zhongdeng.com is used for bill registration and query to prevent trade fraud and double financing risks. Tax control system interface, invoice query and verification of authenticity.

It should be noted that in this article, the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements not only includes those elements, It also includes other elements that are not explicitly listed, or elements inherent to the process, method, article, or system. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, article, or system that includes the element.

The serial numbers of the foregoing embodiments of the present application are for description only, and do not represent the superiority of the embodiments.

Through the description of the above implementation manners, those skilled in the art can clearly understand that the above-mentioned embodiment method can be implemented by means of software plus the necessary general hardware platform, of course, it can also be implemented by hardware, but in many cases the former is better.的实施方式。 Based on this understanding, the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM) as described above. , Magnetic disks, optical disks), including several instructions to make a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the method described in each embodiment of the present application.

The above are only the preferred embodiments of the application, and do not limit the scope of the patent for this application. Any equivalent structure or equivalent process transformation made using the content of the description and drawings of the application, or directly or indirectly applied to other related technical fields , The same reason is included in the scope of patent protection of this application.

Claims

A supply chain financial platform system based on blockchain technology, wherein the supply chain financial platform system based on blockchain technology is a large and medium-sized platform system, and the supply chain financial platform system based on blockchain technology includes The interconnected supply chain collaboration platform, alliance chain platform and integrated platform, the data and information of which are connected and displayed, stored and used in real time. The alliance chain platform includes multiple blockchain nodes, among which,

The supply chain collaboration platform displays and stores the transaction information under the real trade background of the enterprise, and sends the transaction information to the alliance chain platform for storage;

The alliance chain platform is used to store transaction information sent by the supply chain collaboration platform; and

The integrated platform uses the real-time displayed and stored transaction information in the alliance chain platform to realize the financing business, clearing business, payment business and capital adjustment business of the enterprise.
The supply chain financial platform system based on blockchain technology according to claim 1, wherein the integrated platform is also used to obtain transaction information of target enterprises with capital needs collected by the supply chain collaboration platform, and according to The transaction information standardizes and digitizes the assets of the target enterprise, and stores the digitized assets in the alliance chain platform.
The supply chain finance large and medium-sized platform system based on blockchain technology according to claim 2, wherein the integrated platform is also used to determine the credit of the enterprise according to the transaction information of the enterprise provided by the supply chain collaboration platform, And adjust the balance of funds on the platform.
The supply chain financial platform system based on blockchain technology according to claim 3, wherein the integrated platform is also used to determine the enterprise's capital repayment ability based on the enterprise's transaction information provided by the supply chain collaboration platform.
The supply chain financial platform system based on blockchain technology according to claim 4, wherein the integrated platform is also used to determine whether the enterprise is a core enterprise according to the enterprise's credit and capital repayment ability.
The supply chain financial platform system based on blockchain technology according to claim 1, wherein the supply chain financial platform system based on blockchain technology further comprises a third-party system module, and the third-party system module is connected to the third-party system module. Integrated platform connection,

The third-party system module is used to implement data interaction between the integrated platform and the terminal corresponding to the third-party organization.
The supply chain financial platform system based on blockchain technology as claimed in claim 6, wherein the third-party system module includes a CFCA interface, a bank-enterprise direct connection interface, a Zhongdeng network interface, and a tax control system interface.
The supply chain financial platform system based on blockchain technology according to claim 1, wherein the alliance chain platform includes a plurality of blockchain nodes, and each of the blockchain nodes is connected to a terminal corresponding to the enterprise, so that each The said enterprises constitute a supply chain.