Digital creditor right certificate asset inter-bank refactoring system and method based on block chain
Through the introduction of blockchain -based digital debt -based credentials asset -by -line recycling systems in supply chain financial technology, the problem of tedious and insufficient data security of the factoring financing process, and achieve efficient financing and data security improvement.
Patent Information
- Application Number
- CN202411398509.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-09
- Publication Date
- 2025-01-24
AI Technical Summary
In the existing supply chain financial technology, the factoring financing process is cumbersome, the audit cycle is long, and there are data centering, security and tamper-proof problems.
The blockchain -based digital creditor's rights voucher asset cross -bank recycling system is used to realize the management, redemption, transfer, and money distribution of electronic debt vouchers through the supply chain financial platform, and use blockchain technology to ensure data security and tampering.
It improves financing efficiency, enhances data security and anti-tampering, and enhances the bank's precision service industry chain, efficiency, value and data security.
Smart Images
Figure CN119359444A_ABST
Abstract
Description
Technical Field
[0001] The present invention belongs to the technical field of supply chain finance, and in particular, relates to a blockchain-based digital debt certificate asset inter-bank factoring system and method. Background Art
[0002] The accounts receivable or accounts receivable claims generated by the seller's business operations due to trade sales, service provision and other businesses with the buyer. If this method develops for a long time, the seller will face difficulties in capital operation. To solve this problem, the seller generally obtains factoring financing offline or through a supply chain finance platform. This situation usually involves cumbersome operations, long review cycles, centralized supply chain finance platforms, and data attacks and tampering. Summary of the invention
[0003] The purpose of the present invention is to solve the above-mentioned problems and to propose a blockchain-based inter-bank factoring system and method for digital debt certificate assets.
[0004] On the one hand, in order to achieve the above-mentioned purpose, the present invention adopts the following technical solutions: a blockchain-based inter-bank factoring system and method for digital debt certificate assets, which includes a supply chain finance platform, where buyers and sellers conduct transactions, and the electronic debt certificates generated by the transactions are managed and the sales proceeds are redeemed within the supply chain finance platform. The seller applies for electronic debt certificate factoring financing, and the seller conducts debt transfer transactions and payment with the factor through the supply chain finance platform. The factoring party applies to the re-factoring party for electronic debt certificate re-factoring financing, and the factoring party conducts debt transfer transactions and payment with the re-factoring party through the supply chain finance platform.
[0005] As a further description of the above technical solution:
[0006] The supply chain finance platform includes an electronic debt management unit, an electronic account management unit, a conversion unit and an electronic debt allocation unit. The electronic debt management unit manages the electronic debt certificates of each platform, the electronic account management unit manages the funds of each platform, the conversion unit is used for calculation between electronic debt certificates and funds, and the electronic debt allocation unit performs debt transfer and payment.
[0007] On the other hand, in order to achieve the above-mentioned purpose, the present invention adopts the following method: a blockchain-based digital creditor's rights certificate asset inter-bank re-factoring method, which comprises the following steps:
[0008] 1) After the seller and the buyer have a trade, the buyer issues an electronic debt certificate through the supply chain finance platform to pay for the sales proceeds;
[0009] 2) When the seller wants to expand its business but lacks operating funds, it can initiate factoring financing based on blockchain digital debt certificates through the supply chain finance platform. When the factor approves the factor, the financing funds will be issued to the seller, and the seller's debt will be transferred to the factor.
[0010] 3) When the factoring party wants to adjust the funds, it can initiate financing from the re-factoring party. After the re-factoring party reviews and approves the loan, the debt will be transferred to the re-factoring party.
[0011] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:
[0012] 1. In the present invention, through the inter-bank re-factoring method and system of electronic debt certificates based on blockchain, a new business model of inter-bank re-factoring of certificate assets is achieved, which also greatly improves the financing efficiency. At the same time, because the bilateral connection mode is based on blockchain, the data security and tamper-proofness are revolutionary improved. Through product innovation, the bank's precise service industry chain, efficiency, value and data security have been significantly improved.
[0013] 2. In the present invention, after the seller logs in to the supply chain finance platform and applies for its own electronic debt certificate to the factoring bank, the seller's review post completes the review, and the factoring bank makes the loan after the review is passed. After the loan is completed, the debt is transferred to the factoring bank. The factoring bank can initiate re-factoring business across banks. After the initiation, the factoring bank will review it. After the review is passed, the re-factoring bank will review it. After the review is passed, the re-factoring bank will make the loan, and the debt is transferred to the re-factoring bank. The entire transaction uses blockchain on-chain services including: review information, certificate information, financing information and unique ID. BRIEF DESCRIPTION OF THE DRAWINGS
[0014] Figure 1 The block diagram of a blockchain-based digital debt certificate asset inter-bank factoring system.
[0015] Figure 2 The present invention is a flowchart of a blockchain-based inter-bank factoring method for digital debt certificate assets. DETAILED DESCRIPTION
[0016] 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.
[0017] See also Figure 1 The present invention provides a technical solution: a blockchain-based digital debt certificate asset inter-bank re-factoring system, including a supply chain finance platform, where buyers and sellers conduct transactions, and the electronic debt certificates generated by the transactions are managed and the sales proceeds are redeemed in the supply chain finance platform. The seller applies for electronic debt certificate factoring financing, and the seller conducts debt transfer transactions and payment with the factor through the supply chain finance platform. The factor applies to the re-factoring party for electronic debt certificate re-factoring financing, and the factor conducts debt transfer transactions and payment with the re-factoring party through the supply chain finance platform;
[0018] The supply chain finance platform includes an electronic debt management unit, an electronic account management unit, a conversion unit and an electronic debt allocation unit. The electronic debt management unit manages the electronic debt certificates of each platform, the electronic account management unit manages the funds of each platform, the conversion unit is used for calculation between electronic debt certificates and funds, and the electronic debt allocation unit performs debt transfer and payment.
[0019] Example:
[0020] S01: After the seller and the buyer have a trade, the buyer issues an electronic debt certificate through the supply chain finance platform to redeem the sales payment;
[0021] S02: When the seller wants to expand its business but lacks operating funds, it can initiate factoring financing based on blockchain digital debt certificates through the supply chain finance platform. When the factor approves the factor, the financing funds will be issued to the seller, and the seller's debt will be transferred to the factor.
[0022] S03: When the factoring party wants to adjust the funds, it can initiate financing from the re-factoring party. After the re-factoring party reviews and approves the loan, the debt will be transferred to the re-factoring party.
[0023] 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 blockchain-based digital creditor's rights certificate asset inter-bank re-factoring system and method, characterized by: It includes a supply chain finance platform, where buyers and sellers conduct transactions, and the electronic debt certificates generated by the transactions are managed and the sales proceeds are redeemed within the supply chain finance platform. The seller applies for electronic debt certificate factoring financing, and the seller conducts debt transfer transactions and payment with the factor through the supply chain finance platform. The factor applies to the re-factoring party for electronic debt certificate re-factoring financing, and the factor conducts debt transfer transactions and payment with the re-factoring party through the supply chain finance platform.
2. According to claim 1, a blockchain-based digital debt certificate asset inter-bank re-factoring system is characterized by: The supply chain finance platform includes an electronic debt management unit, an electronic account management unit, a conversion unit and an electronic debt allocation unit. The electronic debt management unit manages the electronic debt certificates of each platform, the electronic account management unit manages the funds of each platform, the conversion unit is used for calculation between electronic debt certificates and funds, and the electronic debt allocation unit performs debt transfer and payment.
3. A blockchain-based digital debt certificate asset inter-bank re-factoring method as described in any one of claims 1-2, characterized in that: The steps include: 1) After the seller and the buyer have a trade, the buyer issues an electronic debt certificate through the supply chain finance platform to pay for the sales proceeds; 2) When the seller wants to expand its business but lacks operating funds, it can initiate factoring financing based on blockchain digital debt certificates through the supply chain finance platform. When the factor approves the factor, the financing funds will be issued to the seller, and the seller's debt will be transferred to the factor. 3) When the factoring party wants to adjust the funds, it can initiate financing from the re-factoring party. After the re-factoring party reviews and approves the loan, the debt will be transferred to the re-factoring party.