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A virtual resource allocation method and device

A technology of virtual resources and allocation methods, applied in instruments, payment systems, electronic vouchers, etc., can solve problems such as high labor costs and cumbersome processes

Active Publication Date: 2021-04-02
上海策赢网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The development of traditional supply chain financial business requires the signing of a large number of legal documents between financial institutions, core enterprises and suppliers, resulting in many cumbersome processes and high labor costs

Method used

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  • A virtual resource allocation method and device
  • A virtual resource allocation method and device
  • A virtual resource allocation method and device

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Embodiment Construction

[0048] Supply chain finance usually refers to considering the core enterprises in the supply chain and their related upstream and downstream enterprises as a whole, relying on the core enterprises, taking real trade as the premise, and using self-compensating trade financing to finance the supply chain. Comprehensive financial products and services provided by downstream enterprises. According to different financing collaterals, financial institutions divide supply chain finance into accounts receivable, prepayment and inventory financing, among which the scale of accounts receivable is particularly huge.

[0049] According to data from the National Bureau of Statistics, at the end of 2016, the accounts receivable of industrial enterprises above designated size in my country was 12.6 trillion yuan, an increase of 10% year-on-year, which created a huge financing demand for enterprises. Compared with the huge accounts receivable, my country's annual commercial factoring volume i...

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Abstract

The invention provides a virtual resource allocation method, which can be applied to a supply chain financial financing system and comprises the following steps of: establishing a mapping table of a virtual resource provider and a virtual resource occupying party; Acquiring a virtual resource allocation request initiated by the resource requester based on the resource occupation information; And querying the mapping table to determine whether a resource occupation party related to the virtual resource allocation request and the resource provider have a resource allocation relationship, and ifso, issuing the virtual resource allocation request to the virtual resource provider. Introducing a plurality of financial institutions capable of providing services into the same core enterprise in the supply chain financial system, and the defect that the credit limit of a single financial institution is insufficient is overcome.

Description

technical field [0001] The invention relates to the technical field of information processing, in particular to a financing method and device suitable for a supply chain financial system. Background technique [0002] The essence of supply chain finance is a financing model that connects core enterprises and upstream and downstream enterprises to provide flexible financial products and services. For a single core enterprise, especially a large core enterprise with huge financial revenue, the credit line of a single financial institution is often insufficient, so it is urgent to unify multiple financial institutions in an orderly manner to provide supply chain finance for a core enterprise Serve. [0003] Multiple financial institutions share the supplier information of all accounts payable of a core enterprise, which often leads to the disclosure of supplier-related trade secrets. Therefore, setting business permissions for different financial institutions according to spec...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/00G06Q20/40G06Q20/38
CPCG06Q20/3821G06Q20/401G06Q40/00
Inventor 陈盛东胡淳一田雅
Owner 上海策赢网络科技有限公司
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