Supply chain financial fund management method and device based on digital RMB

Abstract

The invention provides a supply chain financial fund management method and device based on digital RMB, and relates to the technical field of finance. When the method is executed, a digital RMB umbrella wallet is opened firstly, then an intelligent contract template is created, the intelligent contract template meets the requirements of industry specifications and supervision rules, then the intelligent contract template is utilized to generate an intelligent contract, and the intelligent contract is loaded to the digital RMB umbrella wallet. And finally performing smart contract account division by using the smart contract. Therefore, the umbrella wallet system is established, the intelligent contract template meeting the requirements of industry specifications and supervision rules is created, and the intelligent contract is loaded in the digital RMB umbrella wallet by utilizing the programmable characteristics of the digital RMB, so that the frozen supervision and clearing of the return funds are realized, and the simple and efficient management of the supply chain is further realized.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to a supply chain financial fund management method and device based on digital RMB. Background Art

[0002] In traditional supply chain finance scenarios, the following pain points and difficulties are common: First, payment efficiency is low and settlement costs are high. In the era of traditional electronic payment, there are still roles such as card issuers, acquiring institutions, and clearing institutions between users and merchants. Payments cannot be settled immediately and there is a certain delay; limited by the People's Bank of China's large and small payment systems regarding cross-bank, cross-regional, fund limits, non-public business working hours and other rules and restrictions, large-scale fund settlements in supply chain financing scenarios have high uncertainty risks; third-party electronic payment platforms such as WeChat, Alipay, JD.com, and UnionPay will charge a certain percentage of acquiring fees, increasing corporate operating costs. Second, account management is difficult. There are many participants in the supply chain finance chain. In order to control the funds collected, financial institutions generally require suppliers to open co-managed accounts. If they are opened at bank counters, the process is often cumbersome and inefficient, and they cannot meet the "small" and "high-frequency" financing needs of enterprises; if virtual accounts are opened online, the account ownership is unclear and cannot meet the People's Bank of China's penetrating supervision requirements. Third, it is difficult to clear funds. In traditional supply chain finance business, when financing expires, the core enterprise pays the funds to the regulatory account, and the funds need to be transferred between multiple entities. Manual accounting is difficult and the operation efficiency is low, making it difficult to ensure the security and timeliness of fund clearing.

[0003] In summary, how to manage the supply chain simply and efficiently is a problem that technical personnel in this field urgently need to solve. Summary of the invention

[0004] In view of this, the present application provides a supply chain financial fund management method and device based on digital RMB, aiming to manage the supply chain simply and efficiently.

[0005] On the one hand, this application provides a supply chain financial fund management method based on digital RMB, including:

[0006] Open a digital RMB umbrella wallet;

[0007] Create smart contract templates that comply with industry standards and regulatory requirements;

[0008] Generate a smart contract using the smart contract template;

[0009] Load the smart contract into the digital RMB umbrella wallet;

[0010] The smart contract is used to perform smart contract account splitting.

[0011] Optionally, the opening of a digital RMB umbrella wallet includes:

[0012] Open a digital RMB public wallet for core enterprises through an operating institution;

[0013] Opening umbrella wallets for financial institutions;

[0014] Open an umbrella wallet for suppliers;

[0015] A pairwise agreement is signed between the financial institution, the supplier and the operating institution to determine the regulatory rights and obligations of the top umbrella wallet over the bottom umbrella wallet.

[0016] Optionally, the step of creating a smart contract template includes:

[0017] Distill the industry norms and regulatory requirements of the financial institution's environment into common terms;

[0018] Creating a pre-set contract template using the general terms;

[0019] Selecting common elements for the preset contract template; the common elements include industry, contract name, contract description amount, start and end time, counterparty, and purpose;

[0020] The preset contract template after selecting the common elements is submitted to the contract library of the operating organization for review, verification, and unified storage to complete the construction of the smart contract template.

[0021] Optionally, the using the smart contract template to generate a smart contract includes:

[0022] In response to the supplier supplying materials to the core enterprise and generating accounts receivable, the supplier initiates an accounts receivable financing application to the financial institution to transfer the supplier's accounts receivable from the core enterprise to the financial institution;

[0023] In response to the financial institution's approval, a smart contract is signed; the smart contract is used to indicate the financing repayment amount, contract validity period, wallet ID and contract triggering conditions.

[0024] Optionally, loading the smart contract into the digital RMB umbrella wallet includes:

[0025] Pushing the smart contract to the operating institution through the financial institution;

[0026] In response to the operating organization completing the deployment of the smart contract, the smart contract is loaded into the supplier's umbrella wallet.

[0027] Optionally, the using the smart contract to split smart contract accounts includes:

[0028] In response to the core enterprise paying digital RMB to the supplier's umbrella wallet on the due date of accounts payable, triggering the smart contract;

[0029] In response to the smart contract being triggered, the smart contract is used to perform smart contract account splitting.

[0030] Optionally, in response to the smart contract being triggered, using the smart contract to perform smart contract account splitting includes:

[0031] In response to the smart contract being triggered, completing the verification of the contract execution conditions on the blockchain platform through the operating organization;

[0032] In response to the verification being passed, the principal and interest of the funds in the supplier's umbrella wallet will be allocated to the wallet or bank account of the financial institution, and the balance will be allocated to the supplier's public wallet or bank account.

[0033] In the second aspect, this application provides a supply chain financial fund management device based on digital RMB, including:

[0034] Opening module, used to open a digital RMB umbrella wallet;

[0035] A creation module, used to create a smart contract template, which complies with industry standards and regulatory requirements;

[0036] A generation module, used to generate a smart contract using the smart contract template;

[0037] A loading module, used to load the smart contract into the digital RMB umbrella wallet;

[0038] The account splitting module is used to perform smart contract account splitting using the smart contract.

[0039] Optionally, the issuance module includes:

[0040] The first opening unit is used to open a digital RMB public wallet for core enterprises through an operating institution;

[0041] The second opening unit is used to open an umbrella wallet for a financial institution;

[0042] The third opening unit is used to open an umbrella wallet for the supplier;

[0043] The first signing unit is used to sign a pairwise agreement between the financial institution, the supplier and the operating institution to determine the regulatory rights and obligations of the top umbrella wallet over the bottom umbrella wallet.

[0044] Optionally, the creation module includes:

[0045] An extraction unit, used to extract the industry norms and regulatory requirements of the environment to which the financial institution belongs into general terms;

[0046] A creation unit, used to create a preset contract template using the general terms;

[0047] A selection unit, configured to select common elements for the preset contract template; the common elements include industry, contract name, contract description amount, start and end time, counterparty, and purpose;

[0048] The construction unit is used to submit the preset contract template after selecting the common elements to the contract library of the operating organization for review, verification, and unified storage to complete the construction of the smart contract template.

[0049] Optionally, the generating module includes:

[0050] an initiating unit, configured to initiate an account receivable financing application from the supplier to the financial institution in response to the supplier supplying materials to the core enterprise generating accounts receivable, so as to transfer the supplier's accounts receivable from the core enterprise to the financial institution;

[0051] The second signing unit is used to sign a smart contract in response to the financial institution's approval; the smart contract is used to indicate the financing repayment amount, contract validity period, wallet ID and contract triggering conditions.

[0052] Optionally, the loading module includes:

[0053] A pushing unit, used to push the smart contract to the operating institution through the financial institution;

[0054] A loading unit is used to load the smart contract into the supplier's umbrella wallet in response to the operation organization completing the deployment of the smart contract.

[0055] Optionally, the account splitting module includes:

[0056] A triggering unit, configured to trigger the smart contract in response to the core enterprise paying digital RMB to the supplier's umbrella wallet on the due date of accounts payable;

[0057] The account splitting unit is used to perform smart contract account splitting using the smart contract in response to the smart contract being triggered.

[0058] Optionally, the account splitting unit includes:

[0059] A verification subunit, configured to complete the verification of the contract execution conditions on the blockchain platform through the operating organization in response to the smart contract being triggered;

[0060] The account splitting subunit is used to split the principal and interest of the funds in the supplier's umbrella wallet to the wallet or bank account of the financial institution in response to the verification being passed, and split the balance to the supplier's public wallet or bank account.

[0061] In the third aspect, an embodiment of the present application provides a computer device, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor; when the processor executes the computer program, it implements the supply chain financial fund management method based on digital RMB as described in any one of the implementation methods in the first aspect of the embodiment of the present application.

[0062] In fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores instructions. When the instructions are executed on a terminal device, the terminal device executes a supply chain financial fund management method based on digital RMB as described in any one of the implementation methods in the first aspect of the embodiment of the present application.

[0063] This application provides a supply chain financial fund management method based on digital RMB. When executing the method, a digital RMB umbrella wallet is first opened, and then a smart contract template is created, wherein the smart contract template complies with industry norms and regulatory rules. Then, the smart contract template is used to generate a smart contract, and the smart contract is loaded into the digital RMB umbrella wallet, and finally the smart contract is used to split the smart contract account. In this way, an umbrella wallet system is built, and a smart contract template that complies with industry norms and regulatory rules is created. The programmable characteristics of the digital RMB are used to load the smart contract into the digital RMB umbrella wallet, realizing the freezing supervision and clearing of the returned funds, thereby realizing simple and efficient management of the supply chain. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] In order to more clearly illustrate the technical solutions in this embodiment or the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0065] Figure 1 A flow chart of a supply chain financial fund management method based on digital RMB provided in an embodiment of the present application;

[0066] Figure 2A schematic diagram of the structure of a supply chain financial fund management device based on digital RMB provided in an embodiment of the present application;

[0067] Figure 3 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0068] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. This application provides a supply chain financial fund management method and device based on digital RMB, which is used in the field of financial technology. The above is only an example and does not limit the application field of the method and device name provided in this application.

[0069] In traditional supply chain finance scenarios, the following pain points and difficulties are common: First, payment efficiency is low and settlement costs are high. In the era of traditional electronic payment, there are still roles such as card issuers, acquiring institutions, and clearing institutions between users and merchants. Payments cannot be settled immediately and there is a certain delay; limited by the People's Bank of China's large and small payment systems regarding cross-bank, cross-regional, fund limits, non-public business working hours and other rules and restrictions, large-scale fund settlements in supply chain financing scenarios have high uncertainty risks; third-party electronic payment platforms such as WeChat, Alipay, JD.com, and UnionPay will charge a certain percentage of acquiring fees, increasing corporate operating costs. Second, account management is difficult. There are many participants in the supply chain finance chain. In order to control the funds collected, financial institutions generally require suppliers to open co-managed accounts. If they are opened at bank counters, the process is often cumbersome and inefficient, and they cannot meet the "small" and "high-frequency" financing needs of enterprises; if virtual accounts are opened online, the account ownership is unclear and cannot meet the People's Bank of China's penetrating supervision requirements. Third, it is difficult to clear funds. In traditional supply chain finance business, when financing expires, the core enterprise pays the funds to the regulatory account, and the funds need to be transferred between multiple entities. Manual accounting is difficult and the operation efficiency is low, making it difficult to ensure the security and timeliness of fund clearing.

[0070] After research, the inventor proposed the technical solution of this application. First, a digital RMB umbrella wallet is opened, and then a smart contract template is created. The smart contract template complies with industry norms and regulatory rules. Then, the smart contract template is used to generate a smart contract, and the smart contract is loaded into the digital RMB umbrella wallet. Finally, the smart contract is used to split the smart contract account. In this way, an umbrella wallet system is built, and a smart contract template that complies with industry norms and regulatory rules is created. The programmable characteristics of the digital RMB are used to load the smart contract into the digital RMB umbrella wallet, realizing the freezing supervision and clearing of the returned funds, thereby realizing simple and efficient management of the supply chain.

[0071] In order to enable those skilled in the art to better understand the present application, the present application is further described in detail below in conjunction with the accompanying drawings and specific implementation methods. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. It should be noted that, for ease of description, only the parts related to the relevant invention are shown in the accompanying drawings. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0072] Before describing the method provided in the embodiments of the present application in detail, the following terms in the embodiments of the present application are explained:

[0073] Digital RMB: Digital RMB is a legal currency in digital form issued by the People's Bank of China, operated by designated operating institutions and exchanged to the public. It is based on a broad account system, supports loose coupling with bank accounts, is equivalent to paper money and coins, has value characteristics and legal tender, and supports controllable anonymity.

[0074] Smart Contract: A computer protocol designed to communicate, verify or execute contracts in an information-based manner. Smart contracts allow for trusted transactions without a third party, which are traceable and irreversible.

[0075] Core enterprise: Generally speaking, the supply chain of a specific commodity is from the purchase of raw materials to the manufacture of intermediate products and final products, and finally the sales network delivers the products to consumers, connecting suppliers, manufacturers, distributors, retailers and end users into a whole. In this supply chain, the party with strong competitiveness, large scale and certain voice is the core enterprise.

[0076] Umbrella wallet: It is a special wallet structure, consisting of an umbrella top wallet and an umbrella bottom wallet. The opener of the umbrella bottom wallet will transfer part of the query and supervision rights to the opener of the umbrella top wallet through an agreement. The umbrella top wallet can realize the fund supervision of the umbrella bottom wallet.

[0077] Operating institution: In terms of operating system design, the digital RMB adopts a two-tier operating model. The People's Bank of China is responsible for the issuance, cancellation, cross-institutional interconnection and wallet ecosystem management of the digital RMB. At the same time, it prudently selects commercial banks that meet certain conditions in terms of capital and technology as designated operating institutions to take the lead in providing digital RMB exchange services. Designated operating institutions, together with relevant commercial institutions, undertake the circulation services of the digital RMB and are responsible for the management of the retail link.

[0078] See also Figure 1 , Figure 1A flowchart of a supply chain financial fund management method based on digital RMB provided in an embodiment of the present application includes:

[0079] S101: Open a digital RMB umbrella wallet.

[0080] First, the core enterprise opens a digital RMB public wallet online through the operating institution's corporate online banking, the financial institution opens the top wallet, and the supplier opens the bottom wallet. Then, the financial institution, supplier and operating institution sign a two-to-two agreement to stipulate the rights and obligations of the top wallet to supervise the bottom wallet.

[0081] S102: Create a smart contract template.

[0082] Joint operating institutions develop smart contract devices based on blockchain technology. Financial institutions extract general terms and create contract templates in their respective environments according to industry norms and regulatory rules. They select the industry, contract name, contract amount, start and end time, counterparty, purpose and other general elements, and submit them to the operating institution's contract library for review, verification, and unified storage to complete the creation of smart contract templates.

[0083] Distributed contracts upload contract files to the operating institution's system through the contract pipeline, and are published to the digital RMB exclusive blockchain network after review and stored on the chain. Financial institutions and operating institutions each serve as smart contract nodes. When the supplier and the financial institution complete the signing of the smart contract in the financial institution's system, the smart contract data will be tamper-proof and synchronized to the operating institution's block node in real time.

[0084] S103: Generate a smart contract using the smart contract template.

[0085] Suppliers supply materials to core enterprises, generating accounts receivable. Suppliers initiate accounts receivable financing applications to financial institutions through the financial institution system services. Suppliers transfer the accounts receivable of core enterprises to the financial institutions. The financial institutions review the financing applications. If the review is passed, the supplier and the financial institution sign a smart contract agreement on the financial institution side system device. The agreement stipulates elements such as the financing repayment amount, contract validity period, wallet ID, and contract trigger conditions.

[0086] S104: Load the smart contract into the digital RMB umbrella wallet.

[0087] The financial institution's system device pushes the smart contract parameters to the operating institution's system device. The operating institution completes the smart contract deployment and loads the loan smart contract into the supplier's umbrella wallet. Utilizing the programmability of the digital RMB, the smart contract will programmatically monitor and automate transactions on wallet funds during the contract period.

[0088] S105: Use smart contracts to split smart contracts.

[0089] Core enterprises pay digital RMB to the supplier's umbrella wallet on the due date of accounts payable. Since the wallet has been pre-loaded with a smart contract for repayment splitting, once the funds are credited, the smart contract will be triggered in real time, and the operating organization will complete the contract execution condition verification on the blockchain platform. If there is no error, the smart contract splitting will be executed. The principal and interest of the supplier's umbrella wallet will be split into the financial institution wallet or bank account, and the balance will be split into the supplier's public wallet or bank account.

[0090] In the embodiment provided in this application, a digital RMB umbrella wallet is first opened, and then a smart contract template is created, wherein the smart contract template complies with industry norms and regulatory rules. Then, the smart contract template is used to generate a smart contract, and the smart contract is loaded into the digital RMB umbrella wallet, and finally the smart contract is used to split the smart contract account. In this way, an umbrella wallet system is built, and a smart contract template that complies with industry norms and regulatory rules is created. The programmable characteristics of the digital RMB are used to load the smart contract into the digital RMB umbrella wallet, realizing the freezing supervision and clearing of the returned funds, thereby realizing simple and efficient management of the supply chain.

[0091] By innovating the payment and collection applications of digital RMB in financing and lending, and core enterprise collection scenarios, funds settlement bypasses traditional payment channels and adopts the form of digital currency point-to-point value transfer. The transfer of claims is completed directly between the two parties to the settlement, realizing "payment is settlement" and making funds transactions "zero delay"; at the same time, digital RMB does not rely on the central bank's large-value real-time payment system or small-value batch payment system to achieve inter-bank settlement in the same city and in different locations. All cross-institutional transactions transfer value through the central bank and support 7×24h transactions, reducing the risk of funds in transit and default caused by untimely collection; in addition, no handling fees are charged for digital RMB payment, collection, and account redemption, greatly reducing the settlement costs of enterprises.

[0092] The Umbrella Wallet is a special structured parent-child wallet composed of multiple digital RMB wallets that have financial transactions or business relationships with each other. Based on the underlying bank wallet technology and combined with the supply chain finance scenarios of the energy and power industry, a new digital wallet system is built. Financial institutions and suppliers jointly build the top and bottom structures of the umbrella. The fund transactions involved in the transfer of supply chain claims and debts can be completed through digital RMB wallets, and suppliers do not need to open settlement accounts in different banks, reducing the cost of opening accounts across regions and banks. At the same time, the Umbrella Wallet is a physical wallet. The funds in the wallet are traceable throughout the process, and the ownership of the wallet is clear. On the premise of adhering to safety and compliance, it innovates traditional regulatory accounts, provides convenience and reduces costs for the further sinking of supply chain financial services, and helps to carry out inclusive finance.

[0093] Smart contracts are computer programs that automatically execute contract terms, and they are naturally compatible with the programmability of digital RMB. Joint operating institutions develop smart contract templates suitable for supply chain finance scenarios, map supply chain finance business loan conditions, counterparty information, loan and repayment cycles and other elements, generate smart contracts, and write them into digital wallets. Through the restrictions on wallets by smart contract rules, the repayments paid by core enterprises to suppliers are deposited in the digital RMB umbrella wallet of suppliers. Only when and only when the contract execution conditions are met, the contract program will perform the fund clearing task according to the preset rules. When the contract execution conditions are not met, the funds in the supplier umbrella wallet will be automatically frozen, and all participants will be restricted from operating the funds in the contract wallet. This mechanism theoretically plays the role of a regulatory account, so that the principal and interest parts are automatically cleared to the financial institution wallet, and the balance part is divided into the supplier wallet, which fundamentally guarantees the safety of supply chain finance repayment funds and effectively controls financial business risks. Through the application of smart contracts, the source, destination, trigger, and use of funds can be automatically executed, and the whole process can be closed-loop managed, effectively improving the level of financial risk control and achieving "zero" intervention in fund clearing. The above is some specific implementation methods of the supply chain financial fund management method based on digital RMB provided by the embodiment of this application. Based on this, this application also provides a corresponding device. The device provided by the embodiment of this application will be introduced from the perspective of functional modularization.

[0094] See also Figure 2 , Figure 2 A schematic diagram of the structure of a supply chain financial fund management device based on digital RMB provided in an embodiment of the present application, the supply chain financial fund management device 200 based on digital RMB includes:

[0095] Opening module 210, used to open a digital RMB umbrella wallet;

[0096] A creation module 220, for creating a smart contract template, wherein the smart contract template complies with industry specifications and regulatory requirements;

[0097] A generation module 230, used to generate a smart contract using the smart contract template;

[0098] A loading module 240 is used to load the smart contract into the digital RMB umbrella wallet;

[0099] The account splitting module 250 is used to perform smart contract account splitting using the smart contract.

[0100] Optionally, the issuance module 210 includes:

[0101] The first opening unit is used to open a digital RMB public wallet for core enterprises through an operating institution;

[0102] The second opening unit is used to open an umbrella wallet for a financial institution;

[0103] The third opening unit is used to open an umbrella wallet for the supplier;

[0104] The first signing unit is used to sign a pairwise agreement between the financial institution, the supplier and the operating institution to determine the regulatory rights and obligations of the top umbrella wallet over the bottom umbrella wallet.

[0105] Optionally, the creation module 220 includes:

[0106] An extraction unit, used to extract the industry norms and regulatory requirements of the environment to which the financial institution belongs into general terms;

[0107] A creation unit, used to create a preset contract template using the general terms;

[0108] A selection unit, configured to select common elements for the preset contract template; the common elements include industry, contract name, contract description amount, start and end time, counterparty, and purpose;

[0109] The construction unit is used to submit the preset contract template after selecting the common elements to the contract library of the operating organization for review, verification, and unified storage to complete the construction of the smart contract template.

[0110] Optionally, the generating module 230 includes:

[0111] an initiating unit, configured to initiate an account receivable financing application from the supplier to the financial institution in response to the supplier supplying materials to the core enterprise generating accounts receivable, so as to transfer the supplier's accounts receivable from the core enterprise to the financial institution;

[0112] The second signing unit is used to sign a smart contract in response to the financial institution's approval; the smart contract is used to indicate the financing repayment amount, contract validity period, wallet ID and contract triggering conditions.

[0113] Optionally, the loading module 240 includes:

[0114] A pushing unit, used to push the smart contract to the operating institution through the financial institution;

[0115] A loading unit is used to load the smart contract into the supplier's umbrella wallet in response to the operation organization completing the deployment of the smart contract.

[0116] Optionally, the account splitting module 250 includes:

[0117] A triggering unit, configured to trigger the smart contract in response to the core enterprise paying digital RMB to the supplier's umbrella wallet on the due date of accounts payable;

[0118] The account splitting unit is used to perform smart contract account splitting using the smart contract in response to the smart contract being triggered.

[0119] Optionally, the account splitting unit includes:

[0120] A verification subunit, configured to complete the verification of the contract execution conditions on the blockchain platform through the operating organization in response to the smart contract being triggered;

[0121] The account splitting subunit is used to split the principal and interest of the funds in the supplier's umbrella wallet to the wallet or bank account of the financial institution in response to the verification being passed, and split the balance to the supplier's public wallet or bank account.

[0122] The embodiments of the present application also provide corresponding devices and computer storage media for implementing the solutions provided by the embodiments of the present application.

[0123] like Figure 3 As shown, the computer device 01 is in the form of a general computing device. The components of the computer device 01 may include but are not limited to: one or more processors or processing units 03, a system memory 08, and a bus 04 connecting different system components (including the system memory 08 and the processing unit 03).

[0124] Bus 04 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor or a local bus using any of a variety of bus structures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.

[0125] The computer device 01 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the computer device 01, including volatile and non-volatile media, removable and non-removable media.

[0126] The system memory 08 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 09 and / or cache memory 10. The computer device 01 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 11 may be used to read and write non-removable, non-volatile magnetic media ( Figure 3 not shown, usually called a "hard drive"). Although Figure 3 Not shown in the figure, a disk drive for reading and writing a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 04 via one or more data medium interfaces. The memory 08 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present invention.

[0127] A program / utility 12 having a set (at least one) of program modules 13 may be stored, for example, in the memory 08, such program modules 13 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination thereof may include an implementation of a network environment. The program modules 13 generally perform the functions and / or methods of the embodiments described herein.

[0128] The computer device 01 may also communicate with one or more external devices 02 (e.g., keyboard, pointing device, display 07, etc.), one or more devices that enable a user to interact with the computer device 01, and / or any device that enables the computer device 01 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed via input / output (I / O) interface 06. Furthermore, the computer device 01 may also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN) and / or public network, such as the Internet) via network adapter 05. Figure 3 As shown, the network adapter 05 communicates with other modules of the computer device 01 via the bus 04. It should be understood that although Figure 3 Not shown, other hardware and / or software modules may be used in conjunction with computer device 01, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0129] The processor unit 03 executes various functional applications and data processing by running programs stored in the system memory 08, such as implementing a supply chain financial fund management method based on digital RMB provided in an embodiment of the present application.

[0130] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0131] Through the description of the above implementation methods, it can be known that those skilled in the art can clearly understand that all or part of the steps in the above-mentioned embodiment method can be implemented by means of software plus a general hardware platform. Based on such an understanding, the technical solution of the present application can be embodied in the form of a software product, which can be stored in a storage medium, such as a read-only memory (ROM) / RAM, a magnetic disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network communication device such as a router) to execute the methods described in each embodiment of the present application or some parts of the embodiments.

[0132] Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative work.

[0133] The above description is merely an exemplary embodiment of the present application and is not intended to limit the protection scope of the present application.

Claims

1. A supply chain financial fund management method based on digital RMB, characterized in that: include: Open a digital RMB umbrella wallet; Create smart contract templates that comply with industry standards and regulatory requirements; Generate a smart contract using the smart contract template; Load the smart contract into the digital RMB umbrella wallet; The smart contract is used to perform smart contract account splitting.

2. The method according to claim 1, characterized in that The opening of the digital RMB umbrella wallet includes: Open a digital RMB public wallet for core enterprises through an operating institution; Opening umbrella wallets for financial institutions; Open an umbrella wallet for suppliers; A pairwise agreement is signed between the financial institution, the supplier and the operating institution to determine the regulatory rights and obligations of the top umbrella wallet over the bottom umbrella wallet.

3. The method according to claim 2, characterized in that The creation of a smart contract template includes: Distill the industry norms and regulatory requirements of the financial institution's environment into common terms; Creating a pre-set contract template using the general terms; Selecting common elements for the preset contract template; the common elements include industry, contract name, contract description amount, start and end time, counterparty, and purpose; The preset contract template after selecting the common elements is submitted to the contract library of the operating organization for review, verification, and unified storage to complete the construction of the smart contract template.

4. The method according to claim 2, characterized in that: The step of generating a smart contract by using the smart contract template includes: In response to the supplier supplying materials to the core enterprise and generating accounts receivable, the supplier initiates an accounts receivable financing application to the financial institution to transfer the supplier's accounts receivable from the core enterprise to the financial institution; In response to the financial institution's approval, a smart contract is signed; the smart contract is used to indicate the financing repayment amount, contract validity period, wallet ID and contract triggering conditions.

5. The method according to claim 4, characterized in that The step of loading the smart contract into the digital RMB umbrella wallet includes: Pushing the smart contract to the operating institution through the financial institution; In response to the operating organization completing the deployment of the smart contract, the smart contract is loaded into the supplier's umbrella wallet.

6. The method according to claim 5, characterized in that The using the smart contract to perform smart contract account splitting includes: In response to the core enterprise paying digital RMB to the supplier's umbrella wallet on the due date of accounts payable, triggering the smart contract; In response to the smart contract being triggered, the smart contract is used to perform smart contract account splitting.

7. The method according to claim 6, characterized in that In response to the smart contract being triggered, using the smart contract to split the smart contract account includes: In response to the smart contract being triggered, completing the verification of the contract execution conditions on the blockchain platform through the operating organization; In response to the verification being passed, the principal and interest of the funds in the supplier's umbrella wallet will be allocated to the wallet or bank account of the financial institution, and the balance will be allocated to the supplier's public wallet or bank account.

8. A supply chain financial fund management device based on digital RMB, characterized in that: include: Opening module, used to open a digital RMB umbrella wallet; A creation module, used to create a smart contract template, which complies with industry standards and regulatory requirements; A generation module, used to generate a smart contract using the smart contract template; A loading module, used to load the smart contract into the digital RMB umbrella wallet; The account splitting module is used to perform smart contract account splitting using the smart contract.

9. A computer device, characterized in that: include: A memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the supply chain financial fund management method based on digital RMB as described in any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores instructions, which, when executed on a terminal device, cause the terminal device to execute the supply chain finance fund management method based on digital RMB as described in any one of claims 1 to 7.

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