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

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...

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

Images