Account receivable financing management system and method based on block chain in supply chain industry

An accounts receivable and management system technology, applied in finance, data processing applications, instruments, etc., can solve the problem that the authenticity and achievability of accounts receivable cannot be guaranteed for the trade background of buyers and sellers. Circulate the aging of accounts receivable, account period and even account quality, etc., to achieve the effect of real-time data synchronization, data security, and high reliability

Pending Publication Date: 2019-10-08
成都积微物联集团股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to solve the problem of the financing management of accounts receivable in the current warehousing supply chain. Because the existing management system is difficult to completely cover all business links, it cannot guarantee the authenticity of the trade background of buyers and sellers, the authenticity of accounts receivable accounts and Realizability, whether the circulation of accounts receivable itself is reasonable and legal, the aging and period of accounts receivable, and even the quality of accounts, etc., a blockchain-based accounts receivable in the warehousing supply chain industry is proposed Financing Management System

Method used

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  • Account receivable financing management system and method based on block chain in supply chain industry

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Embodiment 1

[0048] The blockchain-based accounts receivable financing management system in the supply chain industry provided by the preferred embodiment of the present invention includes a bottom-up protocol layer, a data layer, a functional layer and a business layer, and the protocol layer is based on the blockchain underlying platform .

[0049] The bottom layer is the protocol layer, which is mainly composed of consensus algorithm, organizational form adopted by blockchain, design method of smart contract, network construction, cross-chain technology, interface technology, etc. In this embodiment, the consensus algorithm adopts the KAFKA+PBFT (Practical Byzantine Fault Tolerance) node consensus mechanism, and the accounting nodes are voted by the main initiators of the alliance chain, and these initiators are also the master nodes of the underlying alliance chain. The number of master nodes Generally more than 7. In terms of organizational form, all participants (nodes) can be divid...

Embodiment 2

[0061]A preferred embodiment of the present invention provides a blockchain-based accounts receivable financing management method in the supply chain industry, which operates based on the blockchain-based accounts receivable financing management system in the supply chain industry. Participate in roles for which I am a core business. First of all, for the core enterprises, the system can meet their demands for delayed payment, and it is convenient for the enterprise to maintain a certain amount of capital flow at various time periods. The evaluation of risk control ability can be accumulated on the chain. This platform stipulates that steel warehousing enterprises must meet the requirements of registered capital of not less than 10 million in principle, three years of industry experience, good offline business reputation, and perfect warehouse management system.

[0062] The method is as follows: (S1-S4 belong to pre-loan and loan management, and S5 and later belong to post-l...

Embodiment 3

[0074] A preferred embodiment of the present invention provides a blockchain-based accounts receivable financing management method in the supply chain industry, which operates based on the blockchain-based accounts receivable financing management system in the supply chain industry. For my participation role as a financial institution. For financial institutions that have registered on the platform, the system can meet the demands of obtaining loan interest through accounts receivable financing business, and at the same time being the direct bearer of loan risks. Under normal circumstances, the financial institutions referred to on this platform refer to large commercial banks with a registered capital of more than 300 million yuan.

[0075] The method is as follows: (S1-S6 belong to pre-loan and loan management, and S7 and later belong to post-loan management)

[0076] S1: Under the business logic of forward factoring, receive the list of accounts receivable financing needs ...

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Abstract

The invention discloses an account receivable financing management system and method based on a block chain in the supply chain industry. A protocol layer, a data layer, a function layer and a servicelayer which are fully covered by an account receivable financing service system based on a block chain are designed. The protocol layer based on the block chain adopts a Byzantium fault-tolerant nodeconsensus mechanism, the data distributed storage characteristics, the information transparency characteristics, the distributed operation and maintenance characteristics and the like, is more convenient for the big data structured analysis and processing, realizes a relatively accurate enterprise portrait, realizes the real-time data synchronization and data security, and is convenient for the unified business decision optimization arrangement and risk control, at the same time, provides the convenience for the penetration type supervision. By the characteristics of data authenticity storage, tamper resistance, P2P protocol, smart contract, asymmetric encryption and the like of the system disclosed by the invention, the guarantee can be provided for the authenticity of the trade backgrounds of buyers and sellers, the authenticity and realizability of accounts receivable, the rationality and validity of the circulation of the accounts receivable, and the account ages, account periods,even account quality and the like of the accounts receivable.

Description

technical field [0001] The invention belongs to the technical field of block chain application, and in particular relates to a system and method for financing accounts receivable based on block chain in the supply chain industry. Background technique [0002] With the rapid advent of the supply chain finance 4.0 era of "four flows in one" of business flow, capital flow, information flow and logistics, accounts receivable financing plays an increasingly important role in the large-scale steel warehousing supply chain. Accounts receivable financing occupies a special and important position in the traditional logistics finance field. In essence, the upstream enterprise of a core enterprise signs an account receivable pledge financing contract with a financial institution, and the enterprise's account receivable bill from the core enterprise is used as a pledge. It is a way to apply for short-term and medium-term financing credit from financial institutions such as banks. Banks...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q40/06G06Q40/02G06Q40/00
CPCG06Q40/04G06Q40/06G06Q40/12G06Q40/03
Inventor 谢海陈源陈军冯赟霖
Owner 成都积微物联集团股份有限公司
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