Intelligent supply chain service information integrated management platform system

Abstract

The invention discloses an intelligent supply chain service information integrated management platform system, and relates to the technical field of platform management, and the system comprises the steps: building an enterprise credit evaluation model, and generating an enterprise credit score; intelligently matching payable needs and fund resource pools of the core enterprise and the suppliers thereof; the platform system automatically generates an electronic creditor's right certificate; dynamic risk early warning is started; establishing an intelligent discount market; establishing a multi-dimensional data feedback model for correcting the credit score; and when the electronic creditor's right certificate expires, the platform system starts multi-path intelligent clearing and settlement. According to the intelligent supply chain service information integrated management platform system, by adopting technologies such as dynamic credit evaluation, multi-dimensional data feedback, intelligent discount market and real-time risk monitoring, the efficiency and transparency of supply chain finance are remarkably improved, fund circulation among enterprises is optimized, meanwhile, an effective repair mechanism is provided for enterprises with credit decline, and the economic benefit of enterprises is improved. And a safe, efficient and intelligent supply chain financial ecological system is constructed.

Description

Technical Field

[0001] The present invention relates to the technical field of platform management, and in particular to a smart supply chain service information integrated management platform system. Background Art

[0002] With the rapid development of supply chain finance, the efficiency of capital circulation and credit guarantee capabilities between enterprises have become the core issues for the stable operation of the supply chain. Traditional supply chain management systems are often limited to data collection, storage and simple analysis, and are difficult to cope with the complex and dynamic needs of supply chain finance. Existing technologies have obvious deficiencies in the following aspects: Limitations of credit evaluation: Traditional credit evaluation models are usually based on static financial data and cannot reflect the dynamic credit status of an enterprise in real time. In particular, they lack comprehensive consideration of market reactions, performance behaviors and external environmental factors, resulting in delayed and inaccurate credit scoring results.

[0003] Opacity of payment commitments: Existing payment commitment vouchers are mostly processed manually or simply digitized, with low credibility and liquidity, making it difficult to achieve efficient matching with financial instruments.

[0004] Passivity of risk monitoring: Most systems for risk monitoring in the supply chain are limited to periodic reporting, lack real-time and dynamic early warning mechanisms, and are unable to respond quickly to changes in the external environment.

[0005] Inefficient discount market: Discount transactions usually rely on manual matching or simple rule matching, resulting in low market efficiency and a lack of optimization of discount rates, which leads to obstructed capital circulation. Summary of the invention

[0006] In view of the deficiencies in the prior art, the present invention provides a smart supply chain service information integrated management platform system to solve the problems raised in the above background technology.

[0007] To achieve the above object, the present invention provides the following technical solutions: In a first aspect, an embodiment of the present invention provides a smart supply chain service information integrated management platform system, including: Establish a corporate credit evaluation model to generate corporate credit scores by integrating the company's financial data, industry public data and historical transaction records; Based on the generated corporate credit scores, the platform system intelligently matches the accounts payable needs and capital resource pools of core enterprises and their suppliers; After completing the intelligent matching, the platform system automatically generates an electronic debt certificate that meets the needs of both parties; After the vouchers are generated and distributed, the platform system monitors the transaction data of core enterprises and suppliers in real time and initiates dynamic risk warnings; Establish an intelligent discount market, and integrate electronic debt certificates into the intelligent discount market through the platform system to improve the efficiency of supply chain finance; Based on the transaction results of the smart discount market, a multi-dimensional data feedback model is established to correct the credit score; When the electronic debt certificate expires, the platform system initiates multi-path intelligent clearing and settlement.

[0008] To further optimize this technical solution, the enterprise credit evaluation model is constructed based on financial status, transaction behavior, industry characteristics and risk dynamics. The model is as follows: ; in, : Corporate credit score, ranging from 0-100, with higher scores indicating better credit; : The enterprise financial indicator score reflects the financial health of the enterprise; : Transaction behavior score, which reflects the company’s performance and historical transaction behavior in the supply chain; : Industry characteristic score, which reflects the risk resistance and competitive environment of the industry in which the enterprise is located; : Dynamic risk adjustment score, dynamically reflecting the external environment and potential risks of the enterprise; : Weight coefficient, dynamically adjusted through machine learning according to the actual scenario. The initial value range of each weight is recommended to be 0-1 and meet .

[0009] To further optimize this technical solution, in the enterprise credit evaluation model: Corporate financial indicator scoring The calculation formula is as follows: ; in, It is earnings before interest, taxes, depreciation and amortization, which is used to measure corporate profitability; The current ratio reflects the company's short-term debt repayment ability, and combines the industry mean and standard deviation to improve the adaptability of the score to different industries; Trading behavior score The calculation formula is as follows: ; in, : On-time fulfillment rate, which indicates the proportion of on-time payments or fulfillment of contracts in past supply chain transactions; : Default rate penalty item. If the default rate is greater than the industry average, a penalty will be imposed, otherwise it is zero; Industry Characteristics Rating The calculation formula is as follows: ; in, The industry risk resistance index is generated by historical data, and a higher score indicates that the industry is more stable during economic fluctuations; A company's market share score is based on its position in the industry and is calculated using the formula: ; Dynamic Risk Adjustment Scoring The calculation formula is as follows: ; in, : Weight coefficients, which respectively indicate the impact of exchange rate fluctuations, policy changes and tight capital chain on credit scores; Variables such as exchange rate fluctuations and policy changes are calculated through real-time monitoring of the external environment.

[0010] To further optimize this technical solution, the enterprise credit evaluation model, when used, includes: The input data of the model; Optimization of weight coefficients; Scoring output and result application; Real-time updates and feedback.

[0011] To further optimize this technical solution, the platform system intelligently matches the accounts payable needs and capital resource pools of the core enterprise and its suppliers, including: By analyzing the receivables information uploaded by suppliers, including the amount and payment cycle, the platform system automatically calculates the best matching payment resource pool, including electronic debt certificate financial instruments; Based on the credit rating of core enterprises, the credit status of suppliers, market liquidity and discount rates, the platform system adjusts matching parameters in real time to optimize platform benefits.

[0012] Further optimizing the technical solution, the electronic debt certificate generated by the platform system is generated based on blockchain technology to ensure the transparency and non-tamperability of the data; Electronic debt certificates are used to record the payment commitment amount, due date, payment route and basic information of suppliers of core enterprises; electronic debt certificates are linked to the enterprise credit evaluation model, and the certificates are given credit rating labels to facilitate market circulation and value assessment.

[0013] To further optimize this technical solution, the dynamic risk warning includes: Analyze possible payment risks by tracking the capital flow of core enterprises, exchange rate fluctuations in external markets, changes in industry policies, and the production and operation status of suppliers; When a core enterprise shows signs of declining credit scores or tight cash flow, the platform system will issue an early warning and notify relevant stakeholders to adjust financial planning or renegotiate payment terms in advance.

[0014] Further optimizing the technical solution, in the smart discount market, suppliers apply for discounting of unexpired electronic debt certificates based on funding needs; The platform system uses smart contracts and algorithmic bidding mechanisms to provide the best discount rate for debt claims and dynamically adjusts market liquidity based on corporate credit rating models.

[0015] To further optimize the technical solution, the multidimensional data feedback model is used to dynamically adjust the credit score, and the model is as follows: ; in, : Updated credit score; : Initial credit score, derived from the previous round of credit evaluation results; : Changes in payment timeliness, reflecting the degree of improvement in the company's actual performance; : Discount rate fluctuation penalty points, reflecting the market's direct response to changes in corporate credit; : A credit repair weighting factor to encourage companies to improve their behavior; :Weight coefficient, used to balance various influences, dynamically adjusted according to the industry and trading environment, to meet .

[0016] To further optimize the technical solution, the multidimensional data feedback model, when used, includes: Data collection and input; Parameter weight setting; Dynamic feedback and credit adjustment; Repair mechanism activated; Continuous monitoring and iteration.

[0017] In a second aspect, an embodiment of the present invention provides a computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: when the computer program instructions are executed by the processor, the steps of an intelligent supply chain service information integrated management platform system as described in the first aspect of the present invention are implemented.

[0018] In a third aspect, an embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon, wherein: when the computer program instructions are executed by a processor, the steps of an intelligent supply chain service information integrated management platform system as described in the first aspect of the present invention are implemented.

[0019] Compared with the prior art, the present invention provides a smart supply chain service information integrated management platform system, which has the following beneficial effects: The intelligent supply chain service information integrated management platform system significantly improves the efficiency and transparency of supply chain finance, optimizes the flow of funds between enterprises, and provides an effective repair mechanism for enterprises with declining credit, thus building a safe, efficient and intelligent supply chain finance ecosystem. This platform not only enhances the credit guarantee capability of core enterprises, but also reduces the financing costs of upstream and downstream enterprises, and improves the overall stability and competitiveness of the supply chain. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0021] Figure 1 A schematic diagram of the process of a smart supply chain service information integrated management platform system proposed by the present invention; Figure 2 A flow chart of an enterprise credit evaluation model in a smart supply chain service information integrated management platform system proposed by the present invention; Figure 3 A flow chart of a multi-dimensional data feedback model in a smart supply chain service information integrated management platform system proposed by the present invention; Figure 4 This is a schematic diagram of the module composition of a smart supply chain service information integrated management platform system proposed by the present invention. DETAILED DESCRIPTION

[0022] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are described in detail below in conjunction with the accompanying drawings.

[0023] In the following description, many specific details are set forth to facilitate a full understanding of the present invention, but the present invention may also be implemented in other ways different from those described herein, and those skilled in the art may make similar generalizations without violating the connotation of the present invention. Therefore, the present invention is not limited to the specific embodiments disclosed below.

[0024] Secondly, the term "one embodiment" or "embodiment" as used herein refers to a specific feature, structure, or characteristic that may be included in at least one implementation of the present invention. The term "in one embodiment" that appears in different places in this specification does not necessarily refer to the same embodiment, nor is it a separate or selective embodiment that is mutually exclusive with other embodiments.

[0025] Example 1: Reference Figure 1 to Figure 3 , which is the first embodiment of the present invention, and provides a smart supply chain service information integrated management platform system, including: Establish a corporate credit evaluation model to generate a corporate credit score by integrating the company's financial data (including but not limited to balance sheet, cash flow statement), industry public data (such as industry ranking, market share) and historical transaction behavior records.

[0026] In this embodiment, the enterprise credit evaluation model is constructed based on financial status, transaction behavior, industry characteristics and risk dynamics, and the model is as follows: ; in, : Corporate credit score, ranging from 0-100, with higher scores indicating better credit; : The enterprise financial indicator score reflects the financial health of the enterprise; : Transaction behavior score, which reflects the company’s performance and historical transaction behavior in the supply chain; : Industry characteristic score, which reflects the risk resistance and competitive environment of the industry in which the enterprise is located; : Dynamic risk adjustment score, dynamically reflecting the external environment and potential risks of the enterprise; : Weight coefficient, dynamically adjusted through machine learning according to the actual scenario. The initial value range of each weight is recommended to be 0-1 and meet .

[0027] Furthermore, in the enterprise credit evaluation model: Corporate financial indicator scoring The calculation formula is as follows: ; in, It is earnings before interest, taxes, depreciation and amortization, which is used to measure corporate profitability; The current ratio reflects a company's short-term debt repayment ability, and is combined with the industry mean and standard deviation to improve the adaptability of the score to different industries.

[0028] Construct a basic score for the company's financial health. The higher the score, the stronger the company's profitability and debt repayment ability, laying an important foundation for credit evaluation.

[0029] Trading behavior score The calculation formula is as follows: ; in, : On-time fulfillment rate, which indicates the proportion of on-time payments or fulfillment of contracts in past supply chain transactions; : Default rate penalty item. If the default rate is greater than the industry average, a penalty will be imposed, otherwise it will be zero.

[0030] By comprehensively evaluating the performance of enterprises in the transaction process, focusing on the stability of performance and penalties for breach of contract, a reliable basis is provided for suppliers to evaluate the payment ability of core enterprises.

[0031] Industry Characteristics Rating The calculation formula is as follows: ; in, The industry risk resistance index is generated by historical data, and a higher score indicates that the industry is more stable during economic fluctuations; A company's market share score is based on its position in the industry and is calculated using the formula: ; The model can be adapted to local conditions and adjust the score based on industry characteristics, and is particularly suitable for industries with volatile market environments.

[0032] Dynamic Risk Adjustment Scoring The calculation formula is as follows: ; in, : Weight coefficients, which respectively indicate the impact of exchange rate fluctuations, policy changes and tight capital chain on credit scores; Variables such as exchange rate fluctuations and policy changes are calculated through real-time monitoring of the external environment.

[0033] The introduction of real-time and intelligent analysis can quickly respond to the impact of changes in the market environment on corporate credit and make the model more realistic.

[0034] Furthermore, when the enterprise credit evaluation model is used, it includes: The input data for the model.

[0035] The platform collects data from core enterprises and upstream and downstream enterprises, including financial statements, transaction history, industry public information and real-time market dynamics information, and inputs it into the model for processing.

[0036] Optimization of weight coefficients.

[0037] Using historical platform data, the model is trained through machine learning algorithms (such as gradient boosting decision trees or random forests) to optimize weights and make it more adaptable to different types of businesses.

[0038] Scoring output and result application.

[0039] Model output The system generates payment commitment vouchers for core enterprises and suppliers based on the credit scores and automatically matches the best financial instruments.

[0040] Real-time updates and feedback.

[0041] As trading behavior and external environment change, the model adjusts dynamic variables (such as risk scores in the credit score), thereby maintaining the real-time and effectiveness of credit scores.

[0042] Based on the generated corporate credit scores, the platform system intelligently matches the accounts payable needs and funding resource pools of core enterprises and their suppliers.

[0043] In this embodiment, the platform system intelligently matches the accounts payable requirements and capital resource pools of the core enterprise and its suppliers, including: By analyzing the receivables information uploaded by suppliers, including the amount and payment cycle, the platform system automatically calculates the best matching payment resource pool, including electronic debt certificate financial instruments; Based on the credit rating of core enterprises, the credit status of suppliers, market liquidity and discount rates, the platform system adjusts matching parameters in real time to optimize platform benefits.

[0044] The matching plan generated after the matching is completed will serve as the basis for generating electronic debt certificates in the next step.

[0045] After completing the intelligent matching, the platform system automatically generates an electronic debt certificate that meets the needs of both parties.

[0046] In this embodiment, the electronic debt certificate generated by the platform system is generated based on blockchain technology to ensure the transparency and non-tamperability of the data; Electronic debt certificates are used to record the payment commitment amount, due date, payment route and basic information of suppliers of core enterprises; electronic debt certificates are linked to the enterprise credit evaluation model, and the certificates are given credit rating labels to facilitate market circulation and value assessment.

[0047] Electronic debt certificates are the core carriers for subsequent transactions, circulation, discounting and other operations. Their integrity and legality determine the stability of subsequent processes.

[0048] After the vouchers are generated and distributed, the platform system monitors the transaction data of core enterprises and suppliers in real time and initiates dynamic risk warnings.

[0049] In this embodiment, the dynamic risk warning includes: Analyze possible payment risks by tracking the capital flow of core enterprises, exchange rate fluctuations in external markets, changes in industry policies, and the production and operation status of suppliers; When a core enterprise shows signs of declining credit scores or tight cash flow, the platform system will issue an early warning and notify relevant stakeholders to adjust financial planning or renegotiate payment terms in advance.

[0050] Risk warning will provide decision-making support for subsequent emergency response and credit adjustment, ensuring the stability of supply chain operations.

[0051] Establish an intelligent discount market, and the platform system will integrate electronic debt certificates into the intelligent discount market to improve the efficiency of supply chain finance.

[0052] In this embodiment, in the smart discount market, suppliers apply for discounts on unexpired electronic debt certificates based on funding needs.

[0053] The platform system uses smart contracts and algorithmic bidding mechanisms to provide the best discount rate for debt, and dynamically adjusts market liquidity based on the corporate credit rating model to ensure transaction fairness and efficiency.

[0054] Discount transactions in the market create the possibility for early collection of accounts payable while optimizing the capital utilization efficiency of suppliers.

[0055] Based on the transaction results of the smart discount market, a multidimensional data feedback model is established to correct credit scores.

[0056] In this embodiment, the multidimensional data feedback model is used to dynamically adjust the credit score, and the model is as follows: ; in, : Updated credit score; : Initial credit score, derived from the previous round of credit evaluation results; : Changes in payment timeliness, reflecting the degree of improvement in the company's actual performance; : Discount rate fluctuation penalty points, reflecting the market's direct response to changes in corporate credit; : A credit repair weighting factor to encourage companies to improve their behavior; :Weight coefficient, used to balance various influences, dynamically adjusted according to the industry and trading environment, to meet .

[0057] In the above model, Payment timeliness changes : If the actual payment days ≤ the promised payment days, then (add points), otherwise (Points deducted).

[0058] : An adjustment factor that reflects the weight of payment timeliness on the credit score.

[0059] This item directly records the performance of core enterprises in platform transactions, encouraging enterprises to fulfill their contracts on time or pay in advance, thereby improving their credit scores.

[0060] Discount rate fluctuation penalty points : in, It means that the company faces higher discount rates, indicating that the market has a negative view of its credit.

[0061] : An adjustment factor used to reflect the sensitivity of market reactions to credit scores.

[0062] Discount rate fluctuations are the market's direct response to corporate credit. Through this indicator, the model dynamically captures market signals and adjusts credit scores in real time.

[0063] Credit Repair Weighting Factor : Corrective action score: Improvement actions implemented by the enterprise, such as completion of cash flow improvement plan, effectiveness of shortening payment cycle, etc.

[0064] Repair target score: the credit repair target set by the platform for the enterprise.

[0065] : Amplification factor, used to reward positive improvement behaviors.

[0066] This factor is the innovation of the model, which encourages enterprises to take specific measures to improve their credit. If the repair score exceeds the target score, , your credit score gets an extra boost.

[0067] Furthermore, when the multidimensional data feedback model is used, it includes: Data collection and input.

[0068] After each discount transaction is completed, the platform automatically records the transaction results, including the actual payment time, the difference between the discount rate and the benchmark rate, and the company's behavioral change data (such as the completion rate of remediation measures).

[0069] Parameter weight setting.

[0070] Dynamically adjust based on industry data and platform historical information For example, in credit-sensitive industries (such as finance and high-tech industries), The weighting reflects the market's high attention to credit fluctuations.

[0071] Dynamic feedback and credit adjustment.

[0072] Calculate a new credit score based on the formula .like , indicating that the corporate credit has improved; if , the credit score will drop and trigger the next credit repair mechanism.

[0073] Repair mechanism activated.

[0074] When the credit score drops, the system Provide specific remediation suggestions. For example: Optimize cash flow: It is recommended that companies increase short-term financing tools or adjust payment cycles.

[0075] Improved performance: It is recommended that companies prioritize the repayment of higher-risk payables.

[0076] Improve transparency: It is recommended that companies increase financial disclosure or provide more operational data to enhance market trust.

[0077] Continuous monitoring and iteration.

[0078] Feed the implementation results of credit repair measures back to the model, dynamically update the credit score, and ensure the real-time and integrity of the evaluation system.

[0079] When the electronic debt certificate expires, the platform system initiates multi-path intelligent clearing and settlement.

[0080] In this embodiment, the platform system gives priority to matching the core enterprise's various payment methods (such as direct transfer, financing transfer), and combines the actual needs of suppliers to provide the best path for fund settlement services. If the core enterprise is unable to pay on time due to special reasons, the platform system will automatically activate the backup fund pool or call the discount market resources for settlement to avoid a break in the capital chain.

[0081] Example 2: Reference Figure 4 , which is the second embodiment of the present invention, provides functional modules of a smart supply chain service information integrated management platform system, the system including a credit evaluation module, an intelligent matching module, a voucher generation module, a dynamic early warning module, a discount market module, a data feedback module and a clearing and settlement module.

[0082] The credit evaluation module establishes and maintains the corporate credit evaluation model, and generates real-time credit scores for core enterprises and upstream and downstream enterprises by integrating corporate financial data, historical transaction records, industry public data and external environment dynamics.

[0083] The intelligent matching module realizes the intelligent matching of the needs and resources of core enterprises and suppliers, providing a basis for the subsequent generation of electronic debt certificates.

[0084] The certificate generation module automatically generates blockchain-supported electronic debt certificates based on payment matching results to ensure their tamper-proof, traceability and market liquidity.

[0085] The dynamic early warning module monitors the capital flow, market changes and industry risks of core enterprises and upstream and downstream enterprises in real time, and provides dynamic early warnings.

[0086] The discount market module establishes an open discount trading market, allowing suppliers to cash in electronic debt certificates in advance and optimize the discount rate through a bidding mechanism.

[0087] The data feedback module runs a multi-dimensional data feedback model based on discounted transactions and corporate behavior data, dynamically adjusts credit scores, and guides corporate credit repair.

[0088] The clearing and settlement module automatically completes clearing and settlement when the certificate expires, ensuring efficient and stable capital flow.

[0089] Embodiment 3: This embodiment also provides a computer device, which is applicable to a smart supply chain service information integrated management platform system, including a memory and a processor; the memory is used to store computer executable instructions, and the processor is used to execute computer executable instructions to implement a smart supply chain service information integrated management platform system as proposed in the above embodiment.

[0090] This embodiment also provides a storage medium on which a computer program is stored. When the program is executed by a processor, an intelligent supply chain service information integrated management platform system as proposed in the above embodiment is implemented.

[0091] The computer device may be a terminal, and the computer device includes a processor, a memory, a communication interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, an operator network, NFC (near field communication) or other technologies. The display screen of the computer device may be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device may be a touch layer covered on the display screen, or a key, trackball or touchpad provided on the housing of the computer device, or an external keyboard, touchpad or mouse, etc.

[0092] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0093] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as an ordered list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, device or apparatus (such as a computer-based system, a system including a processor, or other system that can fetch instructions from an instruction execution system, device or apparatus and execute instructions), or in conjunction with such instruction execution systems, devices or apparatuses. For the purposes of this specification, "computer-readable medium" can be any device that can contain, store, communicate, propagate or transmit a program for use by an instruction execution system, device or apparatus, or in conjunction with such instruction execution systems, devices or apparatuses.

[0094] More specific examples of computer-readable media (a non-exhaustive list) include the following: an electrical connection with one or more wires (electronic devices), a portable computer disk case (magnetic devices), a random access memory (RAM), a read-only memory (ROM), an erasable and programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disk read-only memory (CDROM). In addition, the computer-readable medium may even be a paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium, followed by editing, deciphering or, if necessary, processing in another suitable manner, and then stored in a computer memory.

[0095] It should be understood that the various parts of the present invention can be implemented by hardware, software, firmware or a combination thereof. In the above embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit with a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit with a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0096] It should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solutions of the present invention may be modified or replaced by equivalents without departing from the spirit and scope of the technical solutions of the present invention, which should all be included in the scope of the claims of the present invention.

Claims

1. A smart supply chain service information integrated management platform system, characterized in that: include: Establish a corporate credit evaluation model to generate corporate credit scores by integrating the company's financial data, industry public data and historical transaction records; Based on the generated corporate credit scores, the platform system intelligently matches the accounts payable needs and capital resource pools of core enterprises and their suppliers; After completing the intelligent matching, the platform system automatically generates an electronic debt certificate that meets the needs of both parties; After the vouchers are generated and distributed, the platform system monitors the transaction data of core enterprises and suppliers in real time and initiates dynamic risk warnings; Establish an intelligent discount market, and integrate electronic debt certificates into the intelligent discount market through the platform system to improve the efficiency of supply chain finance; Based on the transaction results of the smart discount market, a multi-dimensional data feedback model is established to correct the credit score; When the electronic debt certificate expires, the platform system initiates multi-path intelligent clearing and settlement.

2. According to claim 1, a smart supply chain service information integrated management platform system is characterized in that: The enterprise credit evaluation model is constructed based on financial status, transaction behavior, industry characteristics and risk dynamics. The model is as follows: ; in, : Corporate credit score, ranging from 0-100, with higher scores indicating better credit; : The enterprise financial indicator score reflects the financial health of the enterprise; : Transaction behavior score, which reflects the company’s performance and historical transaction behavior in the supply chain; : Industry characteristic score, which reflects the risk resistance and competitive environment of the industry in which the enterprise is located; : Dynamic risk adjustment score, dynamically reflecting the external environment and potential risks of the enterprise; : Weight coefficient, dynamically adjusted through machine learning according to the actual scenario. The initial value range of each weight is recommended to be 0-1 and meet .

3. According to claim 2, a smart supply chain service information integrated management platform system is characterized in that: In the enterprise credit evaluation model: Corporate financial indicator scoring The calculation formula is as follows: ； in, It is earnings before interest, taxes, depreciation and amortization, which is used to measure corporate profitability; The current ratio reflects the company's short-term debt repayment ability, and combines the industry mean and standard deviation to improve the adaptability of the score to different industries; Trading behavior score The calculation formula is as follows: ； in, : On-time fulfillment rate, which indicates the proportion of on-time payments or fulfillment of contracts in past supply chain transactions; : Default rate penalty item. If the default rate is greater than the industry average, a penalty will be imposed, otherwise it is zero; Industry Characteristics Rating The calculation formula is as follows: ； in, The industry risk resistance index is generated by historical data, and a higher score indicates that the industry is more stable during economic fluctuations; A company's market share score is based on its position in the industry and is calculated using the formula: ； Dynamic Risk Adjustment Scoring The calculation formula is as follows: ； in, : Weight coefficients, which respectively indicate the impact of exchange rate fluctuations, policy changes and tight capital chain on credit scores; Variables such as exchange rate fluctuations and policy changes are calculated through real-time monitoring of the external environment.

4. According to claim 2, a smart supply chain service information integrated management platform system is characterized in that: The enterprise credit evaluation model, when used, includes: The input data of the model; Optimization of weight coefficients; Scoring output and result application; Real-time updates and feedback.

5. According to claim 1, the intelligent supply chain service information integrated management platform system is characterized in that: The platform system intelligently matches the accounts payable needs and capital resource pools of core enterprises and their suppliers, including: By analyzing the receivables information uploaded by suppliers, including the amount and payment cycle, the platform system automatically calculates the best matching payment resource pool, including electronic debt certificate financial instruments; Based on the credit rating of core enterprises, the credit status of suppliers, market liquidity and discount rates, the platform system adjusts matching parameters in real time to optimize platform benefits.

6. The intelligent supply chain service information integrated management platform system according to claim 1 is characterized in that: The electronic debt certificate generated by the platform system is generated based on blockchain technology to ensure the transparency and non-tamperability of the data; Electronic debt certificates are used to record the payment commitment amount, due date, payment route and basic information of suppliers of core enterprises; electronic debt certificates are linked to the enterprise credit evaluation model, and the certificates are given credit rating labels to facilitate market circulation and value assessment.

7. The intelligent supply chain service information integrated management platform system according to claim 1 is characterized in that: The dynamic risk warning includes: Analyze possible payment risks by tracking the capital flow of core enterprises, exchange rate fluctuations in external markets, changes in industry policies, and the production and operation status of suppliers; When a core enterprise shows signs of declining credit scores or tight cash flow, the platform system will issue an early warning and notify relevant stakeholders to adjust financial planning or renegotiate payment terms in advance.

8. The intelligent supply chain service information integrated management platform system according to claim 1 is characterized in that: In the smart discount market, suppliers apply for discounts on unexpired electronic debt certificates based on funding needs; The platform system uses smart contracts and algorithmic bidding mechanisms to provide the best discount rate for debt claims and dynamically adjusts market liquidity based on corporate credit rating models.

9. The intelligent supply chain service information integrated management platform system according to claim 1 is characterized in that: The multi-dimensional data feedback model is used to dynamically adjust the credit score, and the model is as follows: ； in, : Updated credit score; : Initial credit score, derived from the previous round of credit evaluation results; : Changes in payment timeliness, reflecting the degree of improvement in the company's actual performance; : Discount rate fluctuation penalty points, reflecting the market's direct response to changes in corporate credit; : A credit repair weighting factor to encourage companies to improve their behavior; :Weight coefficient, used to balance various influences, dynamically adjusted according to the industry and trading environment, to meet .

10. The intelligent supply chain service information integrated management platform system according to claim 9 is characterized in that: When used, the multidimensional data feedback model includes: Data collection and input; Parameter weight setting; Dynamic feedback and credit adjustment; Repair mechanism activated; Continuous monitoring and iteration.

Images