Multi-level digital creditor's right certificate expiration service system and method

Abstract

The invention discloses a service system and method for expiration of a multi-level digital creditor's right certificate, and belongs to the technical field of supply chain finance, and the system comprises a supply chain finance platform, a digital certificate generation unit generates a digital certificate for the digital creditor's right generated by a transaction, and the digital certificate is managed in the supply chain finance platform. According to the invention, after the buyer trades with the seller, the buyer allocates the fund to the corresponding electronic indoor within the appointed time in a payment mode, and after the fund expires, the supply chain financial system initiates the expiration service of the digital creditor's right to remind the debt to be cleared. The buyer can greatly improve the clearing efficiency and the data accuracy through pure online debt clearing.

Description

Technical Field

[0001] The present invention belongs to the technical field of supply chain finance, and in particular relates to a service system and method for expiring multi-level digital debt certificates. Background Art

[0002] In supply chain trade, after the buyer uses digital debt certificates to redeem the seller's payment, he needs to repay the debt regularly and in full at the agreed time. Currently, there is a lack of the ability to repay debts completely online, including regular or expected reminders, resulting in low settlement efficiency and poor data accuracy. Summary of the invention

[0003] The purpose of the present invention is to propose a service system and method for the expiration of a multi-level digital debt certificate in order to solve the above-mentioned problems.

[0004] On the one hand, in order to achieve the above-mentioned purpose, the present invention adopts the following technical scheme: a service system for the expiration of a multi-level digital debt certificate, which includes a supply chain finance platform, in which the digital debt generated by the trading platform is generated into a digital certificate through a digital certificate generation unit and managed within the supply chain finance platform, and funds are transferred to the supply chain finance platform for management, and the supply chain finance platform completes the conversion of funds and digital certificates.

[0005] As a further description of the above technical solution:

[0006] The supply chain finance platform includes a digital certificate management unit and an electronic account management unit. The digital certificate management unit manages the digital certificate generated by the digital certificate generation unit, and the electronic account management unit manages the funds allocated by the buyer platform.

[0007] On the other hand, in order to achieve the above-mentioned purpose, the present invention adopts the following method: a multi-level digital debt certificate expiration service method, which comprises the following steps:

[0008] 1) Digital claims will be generated during the transaction process. The digital claims will generate digital certificates through the digital certificate generation unit and will be placed in the digital certificate management unit in the supply chain finance platform for management;

[0009] 2) The funds are transferred to the electronic account generation unit in the supply chain finance platform for management;

[0010] 3) Reminders for digital debt repayment.

[0011] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0012] In the present invention, after a transaction is conducted between a buyer and a seller, the buyer transfers the funds to his or her corresponding electronic account by making a payment within the agreed time. After the due date, the supply chain financial system is used to initiate a digital debt due service to remind the debt to be repaid. The buyer can greatly improve the settlement efficiency and data accuracy through pure online debt settlement. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 A block diagram of a multi-level digital debt certificate expiration service system.

[0014] Figure 2 The present invention is a flowchart of a service method for expiring a multi-level digital debt certificate. DETAILED DESCRIPTION

[0015] In order to make the purpose, technical solution and advantages of the embodiment of the present invention clearer, the technical solution in the embodiment of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiment of the present invention. Obviously, the described embodiment is a part of the embodiment of the present invention, rather than all the embodiments. The components of the embodiment of the present invention described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiment of the present invention provided in the drawings is not intended to limit the scope of the claimed invention, but only represents the selected embodiment of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention. It should be noted that similar numbers and letters represent similar items in the following drawings, so once an item is defined in one drawing, it does not need to be further defined and explained in the subsequent drawings. In the description of the embodiments of the present invention, it should be noted that the terms "upper", "inside", etc. indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings, or the orientation or positional relationship in which the invented product is usually placed when in use, which is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation of the present invention. In the description of the present invention, it should also be noted that, unless otherwise clearly specified and limited, the terms "set", "install", "connected", and "connected" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be directly connected, or indirectly connected through an intermediate medium, or it can be the internal connection of two elements. For those of ordinary skill in the art, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0016] See also Figure 1The present invention provides a technical solution: a service system for the expiration of a multi-level digital debt certificate, including a supply chain finance platform, the digital debt generated by the trading platform generates a digital certificate through a digital certificate generation unit to be managed in the supply chain finance platform, funds are transferred to the supply chain finance platform for management, and the supply chain finance platform completes the conversion of funds and digital certificates;

[0017] The supply chain finance platform includes a digital certificate management unit and an electronic account management unit. The digital certificate management unit manages the digital certificate generated by the digital certificate generation unit, and the electronic account management unit manages the funds allocated by the buyer platform.

[0018] Example:

[0019] S01: Digital claims will be generated during the transaction. The digital claims will generate digital vouchers through the digital voucher generation unit and will be put into the digital voucher management unit in the supply chain finance platform for management;

[0020] S02: Funds are transferred to the electronic account generation unit in the supply chain finance platform for management;

[0021] S03: Reminder for digital debt repayment.

[0022] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. A multi-level digital debt certificate expiration service system, characterized by: It includes a supply chain finance platform. The digital claims generated by the transaction are managed in the supply chain finance platform by generating digital certificates through a digital certificate generation unit. Funds are transferred to the supply chain finance platform for management. The supply chain finance platform completes the conversion of funds and digital certificates.

2. A multi-level digital debt certificate expiration service system according to claim 1, characterized in that: The supply chain finance platform includes a digital certificate management unit and an electronic account management unit. The digital certificate management unit manages the digital certificate generated by the digital certificate generation unit, and the electronic account management unit manages the funds allocated by the buyer platform.

3. A service method for the expiration of a multi-level digital debt certificate as claimed in any one of claims 1-2, characterized in that: The steps include: 1) Digital claims will be generated during the transaction process. The digital claims will generate digital certificates through the digital certificate generation unit and will be put into the digital certificate management unit in the supply chain finance platform for management; 2) The funds are transferred to the electronic account generation unit in the supply chain finance platform for management; 3) Reminders for digital debt repayment.

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