Supply chain finance service risk management system based on digital currency and related methods

Abstract

The application discloses a supply chain financial service risk management system based on digital currency and a related method. The system comprises: a supplier end for sending a financing application and a request for opening a digital currency wallet to a loan bank; a supply chain financial service platform for sending financing application information of the supplier end to the loan bank end and receiving a financing message of the loan bank end; a loan bank end for opening a digital currency wallet under a supplier account, feeding back a financing message to the supply chain financial service platform according to the financing application information, initiating a smart contract request for signing, binding and activating the digital currency wallet, and financing the supplier end; and a digital currency wallet for signing, binding and activating the smart contract, connecting and binding the supplier account in the loan bank end and the supplier account in the loan bank end, and when the smart contract is triggered, exchanging funds in the supplier account in the loan bank end to the digital currency wallet, and exchanging digital currency from the digital currency wallet to the loan bank account.

Description

TECHNICAL FIELD

[0001] The present application relates to a digital currency-based supply chain financial service risk management system and related method. BACKGROUND

[0002] At present, the application range of supply chain financial services is becoming more and more extensive, and the degree of digitization is also continuously improving, but in business risk management, there are still problems such as small control range and limited control means. Supply chain financial service business needs to effectively control the assets of the borrower, otherwise there will be bad debt risks. Supply chain financial service risks mainly come from three aspects: credit risk, operational risk and legal risk. Among them, credit risk and operational risk can be more convenient and effective managed through the design of intelligent processes and methods.

[0003] The existing supply chain financial service platform mainly relies on the comprehensive strength, credit level and control degree of the core enterprise on the supply chain when performing risk management, that is, the core enterprise is used to screen the credit of the borrower. In terms of fund management, the existing method is that the core enterprise and the supplier open an account in the same bank, the core enterprise pays after the loan, the borrower sends a repayment application to the platform, and the bank processes the funds after receiving the repayment application, thereby realizing fund closed-loop control. SUMMARY

[0004] In order to better realize the risk management of supply chain financial services, the embodiments of the present application provide a digital currency-based supply chain financial service risk management system and related method.

[0005] In a first aspect, the embodiments of the present application provide a digital currency-based supply chain financial service risk management system, which comprises:

[0006] The supplier end is used for sending a financing application to the supply chain financial service platform and sending an open supplier account under digital currency wallet request to the loan bank end;

[0007] The supply chain financial service platform is used for sending the financing application information of the supplier end to the loan bank end and receiving the loan bank end's financing message;

[0008] The loan bank end is used for opening a digital currency wallet under the supplier account according to the open digital currency wallet request, feeding back the financing message to the supply chain financial service platform according to the financing application information, initiating a signing and binding activation smart contract request, and financing the supplier end according to the account interconnection and binding message of the digital currency wallet;

[0009] The coin purse is used for activating a smart contract request according to the signing binding, connecting and binding a supplier account in a loan bank end and a supplier account in a collection bank end, and when the smart contract is triggered, the funds of the supplier account in the collection bank end are exchanged out to the coin purse, and the coins are exchanged back to the loan bank account from the coin purse.

[0010] In one or some optional embodiments of the present application, the coin purse is further used for exchanging out the digital currency in the coin purse and storing the digital currency in the supplier account in the loan bank end after determining that the digital currency is stored in the coin purse.

[0011] In one or some optional embodiments of the present application, the coin purse is further used for determining a repayment due time according to the smart contract, and transferring the funds of the supplier account in the loan bank end to the loan bank account when the repayment due time is reached.

[0012] In one or some optional embodiments of the present application, the coin purse is further used for real-time supervision of the supplier account in the loan bank end when the repayment due time is not reached.

[0013] In one or some optional embodiments of the present application, the coin purse further comprises a core enterprise end used for paying the supplier account in the collection bank end at a contract agreed payment time.

[0014] In one or some optional embodiments of the present application, the coin purse further comprises a collection bank end used for triggering the smart contract after receiving the payment of the core enterprise end.

[0015] In a second aspect, an embodiment of the present application provides a digital currency-based supply chain financial service risk management method, applied to a supply chain financial service platform, and the method comprises the following steps:

[0016] When receiving the financing request of the supplier end, the financing application information of the supplier end is sent to the loan bank end;

[0017] The financing message of the loan bank end is received.

[0018] In a third aspect, an embodiment of the present application provides a digital currency-based supply chain financial service risk management method, applied to a loan bank end, and the method comprises the following steps:

[0019] When receiving the coin purse opening request of the supplier end, a coin purse is opened under the supplier account;

[0020] When receiving the financing application information of the supply chain financial service platform, the financing message of the supply chain financial service platform is fed back, and a signing binding smart contract activation request is initiated to the coin purse;

[0021] When receiving the account connection and binding message of the digital currency wallet, the supplier end is financed and loaned.

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

[0023] When receiving the smart contract activation request of the loan bank end, the smart contract is activated by signing and binding, and according to the smart contract, the supplier account in the loan bank end and the supplier account in the collection bank end are connected and bound;

[0024] When the smart contract is triggered, the funds of the supplier account in the collection bank end are exchanged out and stored in the digital currency wallet;

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

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

[0027] The supplier end 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 end to the loan bank end;

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

[0030] After receiving the digital wallet opening request, the loan bank end opens a digital currency wallet under the supplier account;

[0031] After receiving the financing application information, the loan bank end feeds back the financing message to the supply chain financial service platform, and initiates a smart contract activation request to the digital currency wallet by signing and binding;

[0032] After receiving the smart contract activation request by signing and binding, the digital currency wallet activates the smart contract, and according to the smart contract, the supplier account in the loan bank end and the supplier account in the collection bank end are connected and bound;

[0033] After receiving the account connection and binding message, the loan bank end finances and loans the supplier end;

[0034] The core enterprise end pays the supplier account in the collection bank end at the payment time agreed in the contract;

[0035] After receiving the payment of the core enterprise end, the collection bank end triggers the smart contract;

[0036] When the smart contract is triggered, the digital currency wallet will exchange the funds in the supplier account of the bank end and store them in the digital currency wallet;

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

[0038] The beneficial effects of the above technical solutions provided by the embodiments of the present application at least include:

[0039] The digital currency-based supply chain financial service risk management system provided by the embodiments of the present application introduces current advanced digital currency and smart contract technology, forms a closed loop for the fund flow in the overall business of the supply chain, guarantees the timeliness of fund withdrawal, reduces potential credit risk and operational risk in the financing process, and guarantees the safety of funds. Moreover, the core enterprise does not need to increase any action on the basis of the original contract, the cooperation willingness of the core enterprise and the supply chain financial service platform is improved, the supplier only needs to open a digital currency wallet in the loan bank and sign a contract in the contract as a basic account, the action cost is reduced, and more diversified and higher adaptive options are provided for enterprises in the market.

[0040] Other features and advantages of the present application will be set forth in the following description, and in part will become apparent to those skilled in the art from the description, or can be learned by practice of the present application. The objects and other advantages of the present application can be achieved and obtained by the structure particularly pointed out in the written description, claims, and drawings.

[0041] The technical solutions of the present application will be further described in detail below by means of the drawings and embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0042] The accompanying drawings are included to provide a further understanding of the present application, and constitute a part of the specification, together with the embodiments of the present application, to explain the present application, and do not constitute a limitation on the present application. In the drawings:

[0043] Figure 1 The structure schematic diagram of the digital currency-based supply chain financial service risk management system provided by the embodiments of the present application is shown in the figure.

[0044] Figure 2 The information and fund flow schematic diagram in the digital currency-based supply chain financial service risk management system provided by the embodiments of the present application is shown in the figure.

[0045] Figure 3 The function schematic diagram of the supply chain financial service platform risk management system carried on the supply chain financial service platform provided by the embodiments of the present application is shown in the figure.

[0046] Figure 4A step schematic diagram of the digital currency-based supply chain financial service risk management method applied to the supply chain financial service platform is provided for the embodiment of the present application.

[0047] Figure 5 A step schematic diagram of the digital currency-based supply chain financial service risk management method applied to the loan bank side is provided for the embodiment of the present application.

[0048] Figure 6 A step schematic diagram of the digital currency-based supply chain financial service risk management method applied to the digital currency wallet is provided for the embodiment of the present application.

[0049] Figure 7 A step schematic diagram of the digital currency-based supply chain financial service risk management method is provided for the embodiment of the present application. DETAILED DESCRIPTION

[0050] In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system configurations, techniques, etc., in order to provide a thorough understanding of the embodiments of the present application. However, it will be apparent to those skilled in the art that the present application can be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

[0051] It should be understood that the term "comprises" when used in this specification and the appended claims indicates the presence of the described features, integers, steps, operations, elements, and / or components, but does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and / or groups thereof.

[0052] It should also be understood that the term "and / or" when used in this specification and the appended claims, means any one of the associated listed items can be present or can be absent, and includes the possibility of combinations of one or more of the associated listed items.

[0053] As used in this specification and the appended claims, the term "if' can be construed to mean "when" or "upon" or "in response to determining" or "in response to detecting," depending on the context. Similarly, the phrase "if it is determined" or "if [a described condition or event] is detected" can be construed to mean "upon determining" or "in response to determining" or "upon detecting [the described condition or event]" or "in response to detecting [the described condition or event]," depending on the context.

[0054] In addition, the terms "first", "second", "third", etc. are used herein only to distinguish one element from another, and do not imply or suggest relative importance.

[0055] Reference within the specification of this application to "one embodiment" or "some embodiments" means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the application. The appearances of the phrase "in one embodiment" or "in some embodiments" in various places within specifications are not necessarily all referring to the same embodiment, however, are meant to signify that "one or more, but not all embodiments" of the application so described are contemplated to develop the application. The terms "including," "comprising," "having," and variations thereof are meant to encompass the items listed thereafter, but do not exclude other items from also being present.

[0056] It should be understood that the size of the serial number of each step in the following embodiments does not mean the order of execution, and the execution order of each process should be determined by its function and inherent logic, and should not constitute any limitation on the implementation process of the embodiments of the application.

[0057] In order to illustrate the technical solutions of the present application, the following will be described by specific embodiments.

[0058] The inventor found that in the prior art, in the management of funds, the existing method is mainly that the core enterprise and the supplier open an account in the same bank, and after the core enterprise pays, the borrower sends a repayment application to the platform, and the bank processes the funds after receiving the repayment application, thereby realizing the closed-loop control of funds. This method has two disadvantages, on the one hand, in the process of fund circulation, the core enterprise's strength is often used to analyze the credit of the supplier, the fund control is insufficient, and the closed loop cannot be formed in time, and there is still a large bad debt risk; on the other hand, the enterprise needs to open an additional account in the bank, and the core enterprise often has the demand of changing the payment path, which increases the additional action cost in the process, and the financing convenience is not enough. Specifically, the products in the current market need the cooperation of the core enterprise to perform additional actions in 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 further research and development, and made the present application, and provided a supply chain financial service risk management system based on digital currency and related method.

[0059] Embodiment one

[0060] The embodiment of the application provides a supply chain financial service risk management system based on digital currency, as shown in the figure, the system comprises: Figure 1 As shown in the figure, the system comprises:

[0061] The supplier end 1 is used for sending a financing application to the supply chain financial service platform 2 and sending an opening request of the digital currency wallet under the supplier account to the loan bank end 3;

[0062] The supply chain financial service platform 2 is used for sending the financing application information of the supplier side 1 to the loan bank side 3 and receiving the financing feedback message of the loan bank side 3.

[0063] The loan bank side 3 is used for opening the digital currency wallet under the supplier account according to the opening digital currency wallet request, feeding back the financing feedback message to the supply chain financial service platform 2 according to the financing application information, initiating the signing and binding activation smart contract request, and financing and lending to the supplier side 1 according to the account connection and binding message of the digital currency wallet 4.

[0064] The digital currency wallet 4 is used for connecting and binding the supplier account in the loan bank side 3 and the supplier account in the collection bank side 6 according to the signing and binding activation smart contract request, and when the smart contract is triggered, the funds of the supplier account in the collection bank side 6 are exchanged out to the digital currency wallet 4, and the digital currency is exchanged back to the loan bank account from the digital currency wallet 4.

[0065] In the embodiment of the application, the supply chain financial service risk management system based on digital currency further comprises the core enterprise side 5, which is used for paying the supplier account in the collection bank side 6 at the contract agreed payment time.

[0066] In the embodiment of the application, the supply chain financial service risk management system based on digital currency further comprises the collection bank side 6, which is used for triggering the smart contract after receiving the payment of the core enterprise side 5.

[0067] In the embodiment of the application, referring to Figure 2 Fig. 1 shows the information and fund flow diagram of the supply chain financial service risk management system based on digital currency. The information flow process is as follows:

[0068] 1. The supplier initiates the financing application by means of the account information and the invoice. The financing application is sent to the supply chain financial service platform 2 by the supplier side 1.

[0069] 2. The platform audits and recommends the financing bank. After receiving the financing application sent by the supplier side 1 to the supply chain financial service platform 2, the supply chain financial service platform 2 sends the financing application information of the supplier side 1 to the loan bank side 3, wherein the financing application information sent by the supply chain financial service platform 2 to the loan bank side 3 includes the related information of the supplier side 1, such as the enterprise basic information, the transaction flow information between the supplier side 1 and the core enterprise side 5 and the recommended credit limit of the supply chain financial service platform 2 to the supplier side 1, etc., which provides support for the loan bank side 3 to grant credit to the supplier.

[0070] 3, accept financing application. Since the supplier side 1 has opened a supplier account in advance in the loan bank side 3 and the collection bank side 6, the supplier side 1 can directly send an opening request for the supplier account under the digital currency wallet to the loan bank side 3. After receiving the opening request for the digital currency wallet sent by the supplier side 1, the loan bank side 3 opens the digital currency wallet 4 under the supplier account in the loan bank side 3. According to the financing application information sent by the supply chain financial service platform 2, feedback the financing message to the supply chain financial service platform 2, and initiate the signing binding activation smart contract request to the digital currency wallet 4.

[0071] 4, signing binding activation smart contract (including Figure 2 steps 4.1 and 4.2). After receiving the signing binding activation smart contract request initiated by the loan bank side 3, the digital currency wallet 4 completes the signing binding activation of the smart contract, connects and binds the supplier account in the loan bank side 3 and the supplier account in the collection bank side 6, to realize the flow of digital currency between banks.

[0072] In the above information flow process, based on the transmission of information flow related to the supply chain financial service platform 2, the supply chain financial service platform risk management system carried on the supply chain financial service platform 2 can be realized. As shown in Figure 3 The supply chain financial service platform risk management system includes a bottom layer technical architecture, an enterprise management module, a platform deployment module, a financing management module, a signing management module and an account management module. The specific functions of the six modules are as follows:

[0073] The bottom layer technical architecture serves as the base of the system, providing data transmission and storage, security protection and other functions for the background management of the supply chain financial service platform 2. The bottom layer technical architecture is developed with JAVA language, based on distributed micro-service architecture and containerization technology, supporting iterative development and continuous integration. The bottom layer technical architecture provides a stable running foundation for the overall supply chain financial service platform risk management system;

[0074] The enterprise management module includes enterprise management, enterprise information transmission and enterprise information query functions, which are used to manage and transmit enterprise information in the supply chain financial service platform 2, and provide support for the background receiving and sending of related instructions of the supply chain financial service platform 2;

[0075] The platform deployment module includes smart contract management and smart contract query functions, which are used for the deployment and search of smart contract in the supply chain financial service management platform, provide support for the management and deployment of smart contract, and provide the required information to the loan bank side 3;

[0076] The financing management module includes financing application review and financing application query functions, and is used to help the supply chain financial service platform 2 manage the financing applications submitted by the supplier side 1, and provide support for the functions of the supply chain financial service platform 2 in auditing and registering the financing applications initiated by enterprises;

[0077] The contract management module includes contract management functions and contract query functions, and is used to help the supply chain financial service platform 2 manage financing contract matters, and provide support for the contract auditing 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 functions, and provides support for the functions of the supply chain financial service platform 2 in reconciling with banks and querying information.

[0079] In the supply chain financial service platform risk management system mounted on the supply chain financial service platform 2, the modules are interconnected and coordinated with each other to form a whole, and provide better supply chain financial service platform 2 use experience for users.

[0080] In the embodiment of the application, as shown in Figure 2 The fund flow process in the supply chain financial service risk management system based on digital currency is as follows:

[0081] 5, bank lending. According to the account interconnection and binding message of the digital currency wallet 4, the loan bank side 3 lends money to the supplier side 1.

[0082] 6, payment according to the contract expiration.

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

[0084] 8, contract into effect: loan is automatically converted into digital currency wallet in real time. When the smart contract in the digital currency wallet 4 is triggered, that is, when the smart contract comes into effect, the digital currency wallet 4 automatically converts the funds in the supplier account in the collection bank side 6 into the digital currency wallet 4.

[0085] 9, contract into effect: automatically transfer digital currency to financing bank. After the digital currency wallet 4 determines to deposit digital currency, the digital currency wallet 4 converts the digital currency in the digital currency wallet 4 and deposits it into the supplier account in the loan bank side 3.

[0086] In the embodiment of the application, the digital currency wallet 4 is also used to convert the digital currency in the digital currency wallet 4 and deposit it into the supplier account in the loan bank side 3 after determining to deposit digital currency in the digital currency wallet 4.

[0087] The digital currency wallet 4 is further configured to determine a repayment due time according to the smart contract, and transfer the funds in the supplier account in the loan bank end 3 into the loan bank account when the repayment due time is reached.

[0088] The digital currency wallet 4 is further configured to supervise the supplier account in the loan bank end 3 in real time when the repayment due time is not reached.

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

[0090] In the above fund flow process, the funds are finally transferred into the loan bank end 3 to complete the repayment from the core enterprise end 5 to the loan bank end 6, the fund account forms a closed loop through the smart contract and the digital currency technology in the flow process, and the action cost of the supplier end 1, the core enterprise end 5 and the bank end in the process is reduced. The supplier end 1 only needs to open the digital currency wallet of the supplier account in the loan bank end 3 when financing, and the core enterprise end 5 does not need to take additional actions in the whole process and does not need to open an additional account. The whole process is short in time and the funds form a closed loop. In the whole risk management process, the supply chain financial service platform 2 has strong controllability and timeliness in fund control, effectively reducing the business risk.

[0091] The supply chain financial service risk management system based on digital currency provided by the embodiment of the present application introduces the current advanced digital currency and smart contract technology, forms a closed loop for the fund flow in the whole supply chain business, guarantees the timeliness of fund extraction, reduces the potential credit risk and operational risk in the financing process, and guarantees the safety of funds. Moreover, the core enterprise does not need to take any action on the basis of the original contract, the cooperation willingness of the core enterprise and the supply chain financial service platform is improved, the supplier only needs to open the digital currency wallet in the loan bank and sign the contract as a basic account, the action cost is reduced, and more diversified and higher adaptive choices are provided for enterprises in the market.

[0092] Embodiment two

[0093] Based on the same inventive concept, the embodiment of the present application further provides a supply chain financial service risk management method based on digital currency, applied to the supply chain financial service platform 2, as shown in Figure 4 The method comprises the following steps:

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

[0095] S102: receiving a financing approval message of the loan bank end 3.

[0096] Embodiment three

[0097] Based on the same inventive concept, the present application also provides a supply chain financial service risk management method based on digital currency, which is applied to the loan bank end 3, as shown in Figure 5 , the method comprises:

[0098] S201: opening a digital currency wallet 4 under the supplier account when receiving the opening digital currency wallet request of the supplier end 1;

[0099] S202: feeding back a financing approval message to the supply chain financial service platform 2 and sending a signing and binding activation smart contract request to the digital currency wallet 4 when receiving the financing application information of the supply chain financial service platform 2;

[0100] S203: financing and lending to the supplier end 1 when receiving the account connection and binding message of the digital currency wallet 4.

[0101] Embodiment four

[0102] Based on the same inventive concept, the present application also provides a supply chain financial service risk management method based on digital currency, which is applied to the digital currency wallet 4, as shown in Figure 6 , the method comprises:

[0103] S301: signing and binding and activating the smart contract when receiving the signing and binding activation smart contract request of the loan bank end 3, connecting and binding the supplier account in the loan bank end 3 and the supplier account in the collection bank end 6 according to the smart contract;

[0104] S302: when the smart contract is triggered, the funds in the supplier account in the collection bank end 6 are exchanged and stored in the digital currency wallet 4;

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

[0106] Embodiment five

[0107] Based on the same inventive concept, the present application also provides a supply chain financial service risk management method based on digital currency, as shown in Figure 7 , the method comprises:

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

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

[0110] S403: the supplier side 1 sends the request of opening the digital wallet under the supplier account to the loan bank side 3;

[0111] S404: receiving the request of opening the digital wallet, the loan bank side 3 opens the digital wallet 4 under the supplier account;

[0112] S405: receiving the financing application information, the loan bank side 3 feeds back the financing message to the supply chain financial service platform 2, and initiates the request of signing and binding and activating the smart contract to the digital wallet 4;

[0113] S406: receiving the request of signing and binding and activating the smart contract, the digital wallet 4 signs and 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 loan bank side 6 according to the smart contract;

[0114] S407: receiving the message of connecting and binding the accounts, the loan bank side 3 finances and loans to the supplier side 1;

[0115] S408: the core enterprise side 5 pays the money to the supplier account in the loan bank side 6 at the contract agreed payment time;

[0116] S409: receiving the payment of the core enterprise side 5, the loan bank side 6 triggers the smart contract;

[0117] S410: when the smart contract is triggered, the digital wallet 4 exchanges the money of the supplier account in the loan bank side 6 and stores it in the digital wallet 4;

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

[0119] Those skilled in the art will appreciate that embodiments of the application can be provided as methods, systems, or computer program products. Accordingly, the application can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the application can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, and optical storage) embodying computer usable program code.

[0120] The present application is described in reference to the accompanying drawings, which use flow diagrams and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flow diagrams and / or block diagrams, and combinations of blocks in the flow diagrams and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks.

[0121] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the function specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks.

[0122] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks. Figure 1 one or more flow or flow diagrams and / or block or blocks.

[0123] Obviously, numerous modifications and variations of the present application are possible in light of the above teachings. It is therefore to be understood that within the scope of the appended claims and their legal equivalents, the application can be practiced otherwise than as specifically described.

Claims

1. 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; Upon receiving the financing application, the supply chain financial service platform sends the supplier's financing application information 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 under the supplier's account, 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 information to the supply chain financial service platform and initiate a smart contract signing and activation request to the digital currency wallet; Upon receiving the smart contract signing, binding and activation request, the digital currency wallet signs, binds and activates the smart contract, and connects and binds the supplier account on the lending bank side and the supplier account on the receiving bank side according to the smart contract; Upon receiving the connection and binding message between the supplier account in the lending bank and the supplier account in the receiving bank, the lending bank disburses the loan 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 withdraws the funds from the supplier's account at the receiving bank and deposits them into the digital currency wallet; When the repayment due date is reached, the digital currency will be redeemed from the digital currency wallet to the loan bank account.

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

3. The system according to claim 2, wherein: The digital currency wallet is also used to redeem 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.

4. The system according to claim 2, wherein: The digital currency wallet is also used to determine the repayment due date based on 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.

5. The system according to claim 2, wherein: The digital currency wallet is also used to monitor the supplier accounts on the lending bank side in real time before the repayment due date.

6. The system according to claim 2, wherein: Also includes: The core enterprise side is used to pay the supplier's account on the receiving bank side at the payment time agreed in the contract.

7. The system according to claim 2, wherein: Also includes: The receiving bank is used to trigger the smart contract upon receiving payment from the core enterprise.

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