Supply chain financial service risk management system based on digital currency and related method

Abstract

The invention discloses a supply chain financial service risk management system based on digital currency and a related method. The system comprises a supplier end used for sending a financing application and sending a money-counting wallet opening request to a loan bank; the supply chain financial service platform is used for sending the financing application information message of the supplier side to the loan bank side and receiving a reply financing message of the loan bank side; the loan bank end is used for opening a money counting wallet under a supplier account, feeding back a financing reply message to the supply chain financial service platform according to the financing application information, initiating a contract signing binding activation intelligent contract request to the money counting wallet, and financing and loaning to the supplier end; and the currency counting wallet is used for signing, binding and activating the intelligent contract, communicating and binding the supplier account in the loan bank end and the supplier account in the collection bank end, and when the intelligent contract is triggered, fund of the supplier account in the collection bank end is transferred to the currency counting wallet, and currency counting is returned to the loan bank account from the currency counting wallet.

Description

Technical Field

[0001] The present invention relates to a supply chain financial service risk management system based on digital currency and related methods. Background Art

[0002] At present, the application scope of supply chain financial services is becoming more and more extensive, and the degree of digitalization is also constantly improving. However, in terms of business risk management, there are still problems such as small control scope and limited control means. Supply chain financial services business requires effective control of borrowers' assets, otherwise there will be bad debt risks. Supply chain financial services risks mainly come from three aspects: credit risk, operational risk and legal risk. Among them, credit risk and operational risk can be managed more conveniently and effectively through the design of intelligent processes and methods.

[0003] When conducting risk management, the existing supply chain financial service platform mainly relies on the comprehensive strength, credit rating and control of the core enterprise over the supply chain, that is, the credit screening of borrowers is carried out through the core enterprise. In terms of fund management, the existing method is mainly for the core enterprise and the supplier to open an account in the same bank. After the core enterprise pays, the borrower submits a repayment application to the platform. After receiving the repayment application, the bank processes the funds, thereby realizing closed-loop fund control. Summary of the invention

[0004] In order to better implement supply chain financial service risk management, an embodiment of the present invention provides a supply chain financial service risk management system based on digital currency and related methods.

[0005] In a first aspect, an embodiment of the present invention provides a supply chain financial service risk management system based on digital currency, the system comprising:

[0006] The supplier side is used to send a financing application to the supply chain financial service platform and send a request to the lending bank to open a digital currency wallet under the supplier account;

[0007] Supply chain financial service platform, used to send the financing application information from the supplier to the lending bank, and receive the financing approval message from the lending bank;

[0008] The lending bank is used to open a digital currency wallet under the supplier account according to the digital currency wallet opening request, feedback the financing approval message to the supply chain financial service platform according to the financing application information, and initiate a contract binding and activation smart contract request, and, according to the digital currency wallet account connection and binding message, provide financing to the supplier;

[0009] The digital currency wallet is used to connect and bind the supplier account in the lending bank side and the supplier account in the receiving bank side according to the signing and binding activation smart contract request, and when the smart contract is triggered, the funds in the supplier account in the receiving bank side are exchanged to the digital currency wallet, and the digital currency is exchanged from the digital currency wallet back to the lending bank account.

[0010] In one or some optional implementations of the embodiments of the present invention, the digital currency wallet is also used to redeem the digital currency in the digital currency wallet and deposit it into the supplier account in the loan bank after determining that digital currency is deposited in the digital currency wallet.

[0011] In one or some optional implementations of the embodiments of the present invention, the digital currency wallet is also used to determine the repayment due date according to the smart contract, and when the repayment due date is reached, transfer the funds in the supplier account on the loan bank side to the loan bank account.

[0012] In one or some optional implementations of the embodiments of the present invention, the digital currency wallet is also used to monitor the supplier account in the loan bank in real time before the repayment due date is reached.

[0013] One or some optional implementations of the embodiments of the present invention further include: a core enterprise end, which is used to pay the supplier's account in the collection bank end at the payment time agreed in the contract.

[0014] One or some optional implementations of the embodiments of the present invention further include: a receiving bank end, which is used to trigger the smart contract after receiving the payment from the core enterprise end.

[0015] In a second aspect, an embodiment of the present invention provides a supply chain financial service risk management method based on digital currency, which is applied to a supply chain financial service platform. The method includes:

[0016] After receiving the financing request from the supplier, the financing application information of the supplier is sent to the lending bank;

[0017] Receive financing approval information from the lending bank.

[0018] In a third aspect, an embodiment of the present invention provides a supply chain financial service risk management method based on digital currency, which is applied to a lending bank, and the method includes:

[0019] After receiving the digital currency wallet opening request from the supplier, open the digital currency wallet under the supplier account;

[0020] After receiving the financing application information from the supply chain financial service platform, feedback the financing approval message to the supply chain financial service platform, and initiate a smart contract signing and activation request to the digital currency wallet;

[0021] After receiving the message that the digital currency wallet account is connected and bound, financing and loan are provided to the supplier.

[0022] In a fourth aspect, an embodiment of the present invention provides a supply chain financial service risk management method based on digital currency, which is applied to a digital currency wallet, and the method includes:

[0023] After receiving the request for signing, binding and activating the smart contract from the lending bank, the smart contract is signed, bound and activated, and according to the smart contract, the supplier account in the lending bank and the supplier account in the receiving bank are connected and bound;

[0024] When the smart contract is triggered, the funds in the supplier's account at the receiving bank are redeemed and deposited into the digital currency wallet;

[0025] When the repayment deadline is reached, the digital currency will be exchanged back to the loan bank account from the digital currency wallet.

[0026] In a fifth aspect, an embodiment of the present invention provides a supply chain financial service risk management method based on digital currency, the method comprising:

[0027] The supplier sends a financing application to the supply chain financial service platform;

[0028] After receiving the financing application, the supply chain financial service platform sends the financing application information of the supplier to the lending bank;

[0029] The supplier sends a request to the lending bank to open a digital currency wallet under the supplier account;

[0030] Upon receiving the request to open a digital wallet, the lending bank opens a digital currency wallet under the supplier's account;

[0031] After receiving the financing application information, the lending bank will feedback the financing approval message to the supply chain financial service platform, and initiate a smart contract signing and activation request to the digital currency wallet;

[0032] Upon receiving the request for signing, binding and activating the smart contract, the digital currency wallet signs, binds and activates the smart contract, and connects and binds the supplier account in the lending bank and the supplier account in the receiving bank according to the smart contract;

[0033] Upon receiving the account connection and binding message, the lending bank provides financing to the supplier;

[0034] The core enterprise pays the supplier's account in the receiving bank at the payment time agreed in the contract;

[0035] Upon receiving payment from the core enterprise, the receiving bank triggers the smart contract;

[0036] When the smart contract is triggered, the digital currency wallet cashes out the funds from the supplier's account in the receiving bank and deposits them into the digital currency wallet;

[0037] When the repayment deadline is reached, the digital currency will be exchanged back to the loan bank account from the digital currency wallet.

[0038] The beneficial effects of the above technical solution provided by the embodiment of the present invention include at least:

[0039] The supply chain financial service risk management system based on digital currency provided by the embodiment of the present invention forms a closed loop of capital flow in the overall supply chain business by introducing the current advanced digital currency and smart contract technology, thereby ensuring the timeliness of capital withdrawal, reducing the potential credit risk and operational risk in the financing process, and ensuring the security of funds. In addition, the core enterprise does not need to add any actions based on the original contract signing, which improves the cooperation willingness of the core enterprise and the supply chain financial service platform. The supplier only needs to open a digital currency wallet at the loan bank and treat it as a basic account signing in the contract, which reduces the action cost and provides more diversified and more adaptable options for enterprises in the market.

[0040] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures particularly pointed out in the written description, claims, and drawings.

[0041] The technical solution of the present invention is further described in detail below through the accompanying drawings and embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings:

[0043] Figure 1 A schematic diagram of the structure of a supply chain financial service risk management system based on digital currency provided by an embodiment of the present invention;

[0044] Figure 2 A schematic diagram of information and capital flows in a supply chain financial service risk management system based on digital currency provided by an embodiment of the present invention;

[0045] Figure 3 A functional schematic diagram of a supply chain financial service platform risk management system provided by an embodiment of the present invention and carried on a supply chain financial service platform;

[0046] Figure 4A schematic diagram of the steps of a supply chain financial service risk management method based on digital currency and applied to a supply chain financial service platform provided by an embodiment of the present invention;

[0047] Figure 5 A schematic diagram of the steps of a supply chain financial service risk management method based on digital currency applied to a loan bank provided by an embodiment of the present invention;

[0048] Figure 6 A schematic diagram of the steps of a digital currency-based supply chain financial service risk management method applied to a digital currency wallet provided in an embodiment of the present invention;

[0049] Figure 7 A schematic diagram of the steps of a supply chain financial service risk management method based on digital currency provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0050] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present invention. However, it should be clear to those skilled in the art that the present application may be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present application.

[0051] It should be understood that when used in the present specification and the appended claims, the term "comprising" indicates the presence of described features, wholes, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components and / or combinations thereof.

[0052] It should also be understood that the term “and / or” used in the specification and appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0053] As used in the specification and appended claims of this application, the term "if" can be interpreted as "when" or "uponce" or "in response to determining" or "in response to detecting", depending on the context. Similarly, the phrase "if it is determined" or "if [described condition or event] is detected" can be interpreted as meaning "uponce it is determined" or "in response to determining" or "uponce [described condition or event] is detected" or "in response to detecting [described condition or event]", depending on the context.

[0054] In addition, in the description of the present application specification and the appended claims, the terms "first", "second", "third", etc. are only used to distinguish the descriptions and cannot be understood as indicating or implying relative importance.

[0055] References to "one embodiment" or "some embodiments" etc. described in the specification of this application mean that one or more embodiments of the present application include specific features, structures or characteristics described in conjunction with the embodiment. Therefore, the statements "in one embodiment", "in some embodiments", "in some other embodiments", "in some other embodiments", etc. that appear in different places in this specification do not necessarily refer to the same embodiment, but mean "one or more but not all embodiments", unless otherwise specifically emphasized in other ways. The terms "including", "comprising", "having" and their variations all mean "including but not limited to", unless otherwise specifically emphasized in other ways.

[0056] It should be understood that the order of execution of the steps in the following embodiments does not imply a precedence of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0057] In order to illustrate the technical solution of the present application, a specific embodiment is provided below for illustration.

[0058] The inventor found that in the prior art, in terms of fund management, the existing method is mainly that the core enterprise and the supplier open an account in the same bank. After the core enterprise pays, the borrower sends a repayment application to the platform. After receiving the repayment application, the bank processes the funds, thereby realizing closed-loop control of funds. This method has two main disadvantages. On the one hand, during the circulation of funds, the core enterprise's strength is often used to conduct credit analysis on suppliers. The fund control is insufficient, and a closed loop cannot be formed in time, and there is still a large risk of bad debts; on the other hand, enterprises need to open additional accounts in banks, and core enterprises often have the need to change the payment and collection path, which increases additional action costs in the process and is not convenient enough for financing. Specifically, the products on the current market require the core enterprise to cooperate in additional actions during the financing process, such as modifying the supplier's payment account in the contract or opening the core enterprise's digital currency wallet, which does not meet the inventor's expectations. Based on this, the inventor has made the present invention after further research and development, providing a supply chain financial service risk management system based on digital currency and related methods.

[0059] Embodiment 1

[0060] The embodiment of the present invention provides a supply chain financial service risk management system based on digital currency, referring to Figure 1 As shown, the system includes:

[0061] The supplier side 1 is used to send a financing application to the supply chain financial service platform 2 and send a request to the lending bank side 3 to open a digital currency wallet under the supplier account;

[0062] Supply chain financial service platform 2, used for sending financing application information of supplier end 1 to loan bank end 3, and receiving financing approval message from loan bank end 3;

[0063] The loan bank side 3 is used to open a digital currency wallet under the supplier account according to the digital currency wallet opening request, feedback the financing approval message to the supply chain financial service platform 2 according to the financing application information, and initiate a contract binding and activation smart contract request, and, according to the account connection and binding message of the digital currency wallet 4, provide financing to the supplier side 1;

[0064] The digital currency wallet 4 is used to connect and bind the supplier account in the lending bank side 3 and the supplier account in the receiving bank side 6 according to the signing and binding activation smart contract request, and when the smart contract is triggered, the funds in the supplier account in the receiving bank side 6 are exchanged to the digital currency wallet 4, and the digital currency is exchanged from the digital currency wallet 4 back to the lending bank account.

[0065] In an embodiment of the present invention, the supply chain financial service risk management system based on digital currency also includes a core enterprise end 5, which is used to pay the supplier account in the receiving bank end 6 at the payment time agreed in the contract.

[0066] In an embodiment of the present invention, the supply chain financial service risk management system based on digital currency also includes a receiving bank end 6, which is used to trigger the smart contract after receiving the payment from the core enterprise end 5.

[0067] In the embodiment of the present invention, refer to Figure 2 The figure below is a schematic diagram of the flow of information and funds in a supply chain financial service risk management system based on digital currency. The information flow process in the figure is as follows:

[0068] 1. The supplier initiates a financing application based on the account information and invoice. The supplier terminal 1 sends the financing application to the supply chain financial service platform 2.

[0069] 2. The platform recommends a financing bank after review. After receiving the financing application sent by the supplier end 1 to the supply chain financial service platform 2, the supply chain financial service platform 2 will send the financing application information of the supplier end 1 to the loan bank end 3. The financing application information sent by the supply chain financial service platform 2 to the loan bank end 3 includes relevant information of the supplier end 1, such as basic enterprise information, transaction flow information between the supplier end 1 and the core enterprise end 5, and the credit limit recommended by the supply chain financial service platform 2 for the supplier end 1, etc., to provide support for the loan bank end 3 to grant credit to the supplier.

[0070] 3. Accept the financing application. Since the supplier end 1 has opened a supplier account in advance under the lending bank end 3 and the receiving bank end 6, the supplier end 1 can directly send a request to the lending bank end 3 to open a digital currency wallet under the supplier account. After receiving the request to open a digital currency wallet sent by the supplier end 1, the lending bank end 3 opens a digital currency wallet 4 under the supplier account in the lending bank end 3. According to the financing application information sent by the supply chain financial service platform 2, the supply chain financial service platform 2 is fed back with a financing approval message, and a smart contract signing and binding activation request is initiated to the digital currency wallet 4.

[0071] 4. Sign and bind the smart contract to activate it (including Figure 2 After receiving the smart contract signing and binding activation request initiated by the lending bank 3, the digital currency wallet 4 completes the smart contract signing and binding activation, connects and binds the supplier account in the lending bank 3 and the supplier account in the receiving bank 6 to realize the circulation of digital currency between banks.

[0072] In the above information flow process, the transmission of information flow related to the supply chain financial service platform 2 can be achieved through the supply chain financial service platform risk management system installed on the supply chain financial service platform 2. Figure 3 As shown in the figure, the risk management system of the supply chain financial service platform includes six modules: underlying technical architecture, enterprise management module, platform deployment module, financing management module, contract management module and reconciliation management module. The specific functions of the six modules are as follows:

[0073] The underlying technical architecture serves as the system foundation, providing data transmission, storage, security and other functions for the backend management of the supply chain financial service platform 2. The underlying technical architecture is developed in JAVA language, based on distributed microservice architecture and containerization technology, supporting iterative development and continuous integration. The underlying technical architecture provides a stable operating foundation for the overall supply chain financial service platform risk management system;

[0074] The enterprise management module includes functions such as enterprise management, enterprise information transmission and enterprise information query, and is used to manage and transmit enterprise information within the supply chain financial service platform 2, and to provide support for the backend of the supply chain financial service platform 2 to receive and issue relevant instructions;

[0075] The platform deployment module includes functions such as smart contract management and smart contract query, which is used for the supply chain financial service management platform to deploy and search smart contracts, provide support for the management and deployment of smart contracts, and provide the required information to the lending bank side 3;

[0076] The financing management module includes functions such as financing application review and financing application query, which are used to help the supply chain financial service platform 2 manage the financing applications submitted by the supplier end 1, and provide support for the supply chain financial service platform 2 to review and register the financing applications initiated by the enterprise;

[0077] The contract signing management module includes contract management and contract query functions, which are used to help the supply chain financial service platform 2 manage financing contract signing matters and provide support for the contract review and contract maintenance functions of the supply chain financial service platform 2;

[0078] The reconciliation management function includes reconciliation result query, batch information query and detailed information query, etc., providing support for the supply chain financial service platform 2 to conduct reconciliation, information query and other functions with the bank.

[0079] In the above-mentioned supply chain financial service platform risk management system installed on the supply chain financial service platform 2, each module is interconnected and coordinated with each other to form a whole, providing users with a better supply chain financial service platform 2 usage experience.

[0080] In the embodiment of the present invention, referring to Figure 2 As shown in the figure, the capital flow process in the supply chain financial service risk management system based on digital currency is as follows:

[0081] 5. Bank loan. According to the account connection and binding information of digital currency wallet 4, lending bank 3 provides financing and loan to supplier 1.

[0082] 6. Make payment when due according to the contract.

[0083] 7. Payment at maturity. The core enterprise end 5 pays the supplier account in the receiving bank end 6 at the payment time agreed in the contract. After receiving the payment from the core enterprise end 5, the receiving bank end 6 automatically triggers the smart contract in the digital currency wallet 4. After the core enterprise end 5 completes the payment, the supply chain financial service platform 2 obtains the payment information of the core enterprise end 5 for management.

[0084] 8. Contract takes effect: The loan is automatically redeemed in real time to the digital currency wallet. When the smart contract in the digital currency wallet 4 is triggered, that is, when the smart contract takes effect, the digital currency wallet 4 automatically redeems the funds in the supplier's account in the receiving bank 6 to the digital currency wallet 4.

[0085] 9. Contract takes effect: digital currency is automatically transferred to the financing bank. After the digital currency wallet 4 confirms the deposit of digital currency, the digital currency wallet 4 will cash out the digital currency in the digital currency wallet 4 and deposit it into the supplier account in the loan bank end 3.

[0086] In the embodiment of the present invention, the digital currency wallet 4 is also used to redeem the digital currency in the digital currency wallet 4 and deposit it into the supplier account in the loan bank end 3 after determining that the digital currency is deposited in the digital currency wallet 4.

[0087] The digital currency wallet 4 is also used to determine the repayment due date according to the smart contract, and when the repayment due date is reached, transfer the funds in the supplier account in the loan bank end 3 to the loan bank account.

[0088] The digital currency wallet 4 is also used to monitor the supplier account on the loan bank side 3 in real time before the repayment due date is reached.

[0089] In the embodiment of the present invention, the digital currency wallet 4 determines in real time whether the repayment due time in the smart contract has been reached; if the repayment due time has been reached, the funds in the supplier account in the loan bank end 3 are transferred to the bank account in the loan bank end 3, that is, the loan bank account; if the repayment due time has not been reached, the funds in the supplier account in the loan bank end 3 are supervised in real time.

[0090] In the above-mentioned capital circulation process, the funds are transferred from the core enterprise end 5 to the receiving bank end 6 and finally to the lending bank end 3 to complete the repayment. The capital accounts form a closed loop through smart contracts and digital currency technology during the circulation process, and the action costs of the supplier end 1, the core enterprise end 5 and the bank end in the process are reduced. When financing, the supplier end 1 only needs to open a digital currency wallet for the supplier account in the lending bank end 3. The core enterprise end 5 has no additional actions in the entire process and does not need to open an additional account. The overall process takes a short time and the funds form a closed loop. In the overall risk management process, the supply chain financial service platform 2 has strong control and timeliness in fund control, effectively reducing business risks.

[0091] The supply chain financial service risk management system based on digital currency provided by the embodiment of the present invention forms a closed loop of capital flow in the overall supply chain business by introducing the current advanced digital currency and smart contract technology, thereby ensuring the timeliness of capital withdrawal, reducing the potential credit risk and operational risk in the financing process, and ensuring the security of funds. In addition, the core enterprise does not need to add any actions based on the original contract signing, which improves the cooperation willingness of the core enterprise and the supply chain financial service platform. The supplier only needs to open a digital currency wallet at the loan bank and treat it as a basic account signing in the contract, which reduces the action cost and provides more diversified and more adaptable options for enterprises in the market.

[0092] Embodiment 2

[0093] Based on the same inventive concept, the embodiment of the present invention also provides a supply chain financial service risk management method based on digital currency, which is applied to the supply chain financial service platform 2, referring to Figure 4 As shown, the method includes:

[0094] S101: After receiving the financing request from supplier side 1, the financing application information of supplier side 1 is sent to the lending bank side 3;

[0095] S102: Receive the financing approval message from the lending bank 3.

[0096] Embodiment 3

[0097] Based on the same inventive concept, the embodiment of the present invention also provides a supply chain financial service risk management method based on digital currency, which is applied to the loan bank end 3, referring to Figure 5 As shown, the method includes:

[0098] S201: After receiving a digital currency wallet opening request from supplier 1, a digital currency wallet 4 is opened under the supplier account;

[0099] S202: After receiving the financing application information from the supply chain financial service platform 2, the approval financing message is fed back to the supply chain financial service platform 2, and a smart contract signing and binding activation request is sent to the digital currency wallet 4;

[0100] S203: After receiving the account connection and binding message of the digital currency wallet 4, financing and loan are provided to the supplier end 1.

[0101] Embodiment 4

[0102] Based on the same inventive concept, the embodiment of the present invention also provides a supply chain financial service risk management method based on digital currency, which is applied to a digital currency wallet 4, referring to Figure 6 As shown, the method includes:

[0103] S301: After receiving the smart contract signing and binding activation request from the loan bank side 3, the smart contract is signed and activated, and according to the smart contract, the supplier account in the loan bank side 3 and the supplier account in the payment bank side 6 are connected and bound;

[0104] S302: When the smart contract is triggered, the funds in the supplier's account in the receiving bank 6 are redeemed and deposited into the digital currency wallet 4;

[0105] S303: When the repayment due date is reached, the digital currency is exchanged from the digital currency wallet 4 back to the loan bank account.

[0106] Embodiment 5

[0107] Based on the same inventive concept, the embodiment of the present invention also provides a supply chain financial service risk management method based on digital currency, referring to Figure 7 As shown, the method includes:

[0108] S401: Supplier 1 sends a financing application to supply chain financial service platform 2;

[0109] S402: After receiving the financing application, the supply chain financial service platform 2 sends the financing application information of the supplier end 1 to the lending bank end 3;

[0110] S403: The supplier terminal 1 sends a request to the loan bank terminal 3 to open a digital currency wallet under the supplier account;

[0111] S404: After receiving the request to open a digital wallet, the lending bank 3 opens a digital currency wallet 4 under the supplier account;

[0112] S405: After receiving the financing application information, the lending bank 3 feeds back the financing approval message to the supply chain financial service platform 2, and initiates a smart contract signing and binding activation request to the digital currency wallet 4;

[0113] S406: After receiving the request for signing, binding and activating the smart contract, the digital currency wallet 4 signs, binds and activates the smart contract, and connects and binds the supplier account in the loan bank side 3 and the supplier account in the payment bank side 6 according to the smart contract;

[0114] S407: After receiving the account connection and binding message, the lending bank 3 provides financing to the supplier 1;

[0115] S408: The core enterprise end 5 pays the supplier account in the receiving bank end 6 at the payment time agreed in the contract;

[0116] S409: After receiving the payment from the core enterprise end 5, the receiving bank end 6 triggers the smart contract;

[0117] S410: When the smart contract is triggered, the digital currency wallet 4 cashes out the funds from the supplier's account in the receiving bank 6 and deposits them into the digital currency wallet 4;

[0118] S411: When the repayment due date is reached, the digital currency is exchanged from the digital currency wallet 4 back to the loan bank account.

[0119] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage and optical storage, etc.) containing computer-usable program code.

[0120] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0121] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0122] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0123] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A supply chain financial service risk management system based on digital currency, characterized in that: include: The supplier side is used to send a financing application to the supply chain financial service platform and send a request to the lending bank to open a digital currency wallet under the supplier account; Supply chain financial service platform, used to send the financing application information from the supplier to the lending bank, and receive the financing approval message from the lending bank; The lending bank is used to open a digital currency wallet under the supplier account according to the digital currency wallet opening request, feedback the financing approval message to the supply chain financial service platform according to the financing application information, and initiate a contract binding and activation smart contract request, and, according to the digital currency wallet account connection and binding message, provide financing to the supplier; The digital currency wallet is used to connect and bind the supplier account in the lending bank side and the supplier account in the receiving bank side according to the signing and binding activation smart contract request, and when the smart contract is triggered, the funds in the supplier account in the receiving bank side are exchanged to the digital currency wallet, and the digital currency is exchanged from the digital currency wallet back to the lending bank account.

2. The system according to claim 1, characterized in that The digital currency wallet is also used to cash out the digital currency in the digital currency wallet and deposit it into the supplier account on the lending bank side after confirming that the digital currency is deposited in the digital currency wallet.

3. The system according to claim 1, characterized in that The digital currency wallet is also used to determine the repayment due date according to the smart contract, and when the repayment due date is reached, transfer the funds from the supplier's account on the lending bank side to the lending bank account.

4. The system according to claim 1, characterized in that The digital currency wallet is also used to monitor the supplier accounts on the lending bank side in real time when the repayment deadline has not yet arrived.

5. The system according to claim 1, wherein: Also includes: The core enterprise side is used to pay the supplier's account in the receiving bank side at the payment time agreed in the contract.

6. The system according to claim 1, characterized in that Also includes: The receiving bank is used to trigger the smart contract after receiving the payment from the core enterprise.

7. A supply chain financial service risk management method based on digital currency, applied to a supply chain financial service platform, characterized in that: include: After receiving the financing request from the supplier, the financing application information of the supplier is sent to the lending bank; Receive financing approval information from the lending bank.

8. A supply chain financial service risk management method based on digital currency, applied to the lending bank, characterized in that: include: After receiving the digital currency wallet opening request from the supplier, open the digital currency wallet under the supplier account; After receiving the financing application information from the supply chain financial service platform, feedback the financing approval message to the supply chain financial service platform, and initiate a smart contract signing and activation request to the digital currency wallet; After receiving the message that the digital currency wallet account is connected and bound, financing and loan are provided to the supplier.

9. A supply chain financial service risk management method based on digital currency, applied to a digital currency wallet, characterized in that: include: After receiving the request for signing, binding and activating the smart contract from the lending bank, the smart contract is signed, bound and activated, and according to the smart contract, the supplier account in the lending bank and the supplier account in the receiving bank are connected and bound; When the smart contract is triggered, the funds in the supplier's account at the receiving bank are redeemed and deposited into the digital currency wallet; When the repayment deadline is reached, the digital currency will be exchanged back to the loan bank account from the digital currency wallet.

10. A supply chain financial service risk management method based on digital currency, characterized in that: include: The supplier sends a financing application to the supply chain financial service platform; After receiving the financing application, the supply chain financial service platform sends the financing application information of the supplier to the lending bank; The supplier sends a request to the lending bank to open a digital currency wallet under the supplier account; Upon receiving the request to open a digital wallet, the lending bank opens a digital currency wallet under the supplier's account; After receiving the financing application information, the lending bank will feedback the financing approval message to the supply chain financial service platform, and initiate a smart contract signing and activation request to the digital currency wallet; Upon receiving the request for signing, binding and activating the smart contract, the digital currency wallet signs, binds and activates the smart contract, and connects and binds the supplier account in the lending bank and the supplier account in the receiving bank according to the smart contract; Upon receiving the account connection and binding message, the lending bank provides financing to the supplier; The core enterprise pays the supplier's account in the receiving bank at the payment time agreed in the contract; Upon receiving payment from the core enterprise, the receiving bank triggers the smart contract; When the smart contract is triggered, the digital currency wallet cashes out the funds from the supplier's account in the receiving bank and deposits them into the digital currency wallet; When the repayment deadline is reached, the digital currency will be exchanged back to the loan bank account from the digital currency wallet.

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