Credit receipt and payment system based on value chain and block chain and working method thereof

A working method and blockchain technology, applied in the financial and Internet fields, can solve problems such as advance material costs, limited technical methods, inability to trade credit guarantees and supervision, etc.

Pending Publication Date: 2020-06-16
俞少平 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This transaction method is a continuous payment transaction after the delivery of materials. Traditionally, due to the risk of non-delivery, electronic bills are rarely issued in advance for settlement before material delivery, which still leads to the seller's advance material fee in the supply value chain. The problem
[0004] The root cause of the above problems is the lack of delivery credit control and payment credit guarantee technology, and the model that both parties in the material transaction can only pay for the goods at one hand, resulting in repeated payment of material fees in the supply value chain. The repeated movement of expenses caused the occupation of the working capital of the enterprise and the occurrence of financial expenses such as loans
The technical defect in the existing technology is that due to the limited technical methods of the past informatization, Internet and credit management models, effective credit guarantee and supervision in transactions cannot be realized

Method used

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  • Credit receipt and payment system based on value chain and block chain and working method thereof
  • Credit receipt and payment system based on value chain and block chain and working method thereof
  • Credit receipt and payment system based on value chain and block chain and working method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0079] A credit payment system based on value chain and blockchain, such as Figure 4 As shown, it includes procurement contract record and certification system 1, procurement delivery record and completion certification system 2, electronic bill split control computer system 3 and blockchain system 4;

[0080] The procurement contract recording and certification system 1 is used for: the electronic contract and digital signature system generated by the management information system of both the buyer and the seller of material procurement, or a certifiable electronic document. Realize the electronic record entry of the procurement contract, the electronic signature confirmation of the procurement contract, the encryption of the procurement contract data, the data formatting of the procurement contract in the block chain system 4 interface, the data formatting and transmission of the procurement contract in the electronic bill splitting control computer system 3 interface Purch...

Embodiment 2

[0091] The working method of a credit payment system based on the value chain and block chain described in Embodiment 1, in this working method, the use type of the electronic acceptance bill M0 is restricted discount and acceptance, and the steps are as follows:

[0092](1) Buyer A and seller B sign a contract for purchasing material W0, and the contract for purchasing material W0 is entered into the contract of purchasing material W0 in the procurement contract recording and certification system 1 to form an electronic contract H0, and the formed electronic contract H0 is hashed The calculation forms the verifiable electronic record HD0 for changing the content of the electronic contract H0. After the buyer A confirms the digital signature of the electronic record HD0, it sends the digital signature to the seller B through the Internet to form an electronic record HD1 that is jointly authenticated by the buyer A and the seller B. The procurement contract recording and authent...

Embodiment 3

[0106] The working method of a credit payment system based on the value chain and block chain described in Embodiment 2, the schematic diagram of the originating end tracking and splitting pre-settlement process is as follows: Figure 7 As shown, the difference is:

[0107] In this working method, the use type of the electronic acceptance bill M0 is tracking discount and acceptance in the form of adjacent single-layer control. The buyer A directly endorses the electronic acceptance bill M0 that needs to be paid to the seller B to the financial institution C, and the financial institution Institution C deposits the equivalent credit currency or electronic acceptance bill M0 into the account of buyer A through the electronic bill splitting control computer system 3; buyer A purchases material W0 and its adjacent seller Bi purchases material W1 due to the production of purchased material W0 , W2...Wn's collection of purchased materials, and the payment control of goods transactio...

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PUM

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Abstract

The invention relates to a credit receipt and payment system based on a value chain and a block chain and a working method thereof. The credit receipt and payment system comprises a purchase contractrecording and authentication system, a purchase delivery recording and completion authentication system, an electronic bill splitting control computer system and a block chain system. According to theinvention, a settlement system which carries out credit payment in advance by the buyer but controls the seller to obtain financial cash by depending on the receiving information of the buyer is formed. According to the invention, an acceptance bill mode of advance payment is provided; on the premise of not increasing the cost and expenditure of any source buyer A; on one hand, for all supply chain sellers Bi, materials can be paid in advance by adopting credit currency; according to the invention, on one hand, the occupation of the actual material cost on the Bi mobile fund of the seller isreduced, the financial cost generated by external borrowing required by the material cost is reduced, and on the other hand, even if the mobile fund is required, the acceptance bill discount only needs to discount the processing value-added fee, the discount amount is reduced, and the paid financial cost is low.

Description

technical field [0001] The invention relates to a credit payment system based on a value chain and a block chain and a working method thereof, belonging to the technical fields of finance and the Internet. Background technique [0002] The traditional method of material purchase settlement is mainly cash on delivery or payment after a certain period of time after the arrival of the goods. This mode leads to the fact that before the final buyer pays, the enterprise sellers in the upstream supply value chain must advance the funds for the materials required for processing. On the one hand, it occupies the working capital of the production enterprise, which may easily lead to insufficient working capital and increase the financial cost of the enterprise; on the other hand, if the buyer cannot pay, it will lead to relatively large losses for the direct supplier using this settlement method. In addition, even if some material purchases are paid in advance, because the seller's pu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/04G06Q20/06G06Q20/24G06Q10/10
CPCG06Q20/0457G06Q20/065G06Q20/24G06Q10/10
Inventor 石玉峰俞少平
Owner 俞少平
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