Credit bearing account and scene application based on supply chain bill platform

Abstract

The invention belongs to the technical field of digital technology and information technology industries, and particularly relates to a supply chain bill platform-based letter bearing account and scene application. According to the invention, basic functions of the Shanghai bill exchange are coupled and packaged with an application scene, and a mode of combining a fund account and a bill account is adopted to meet scene requirements; according to the method for applying the credit account based on the trade scene provided by the invention, the problem of trade mutual trust between completely unfamiliar buyer and seller enterprises can be effectively solved; according to the method for applying the credit account based on the investment management or special fund management scene provided by the invention, the fund directional circulation problem is solved through commercial bills; according to the method for monitoring the scene application credit account based on the fund return path provided by the invention, the problem that funds are embezzled can be prevented; according to the method for applying the credit account based on the multi-level transaction directional circulation scene, layer-by-layer payment of funds according to the trade relation can be ensured, and the multi-level directional payment requirement of the funds is met.

Description

Technical Field

[0001] The present invention belongs to the technical field of digital technology and information technology industry, and specifically relates to a credit account and scenario application based on a supply chain bill platform. Background Art

[0002] At present, banks and third-party payment institutions provide enterprises with various forms of payment service capabilities based on capital accounts, mainly including: payment gateway, transfer, online payment, etc. At the level of bill accounts, the Shanghai Bill Exchange (hereinafter referred to as the Bill Exchange) provides basic services such as bill opening, bill issuance, bill acceptance, and bill endorsement transfer, that is, all bill businesses are carried out in accordance with the requirements of the Bill Exchange and follow the logical rules of the Bill Exchange. However, the services provided by the Bill Exchange can only meet the basic bill account processing needs, but in some scenarios with special requirements, such as trade trust scenarios between completely unfamiliar buyers and sellers, directional capital flow scenarios based on investment management, capital collection path locking scenarios based on capital collection path monitoring, and multi-level directional capital payment scenarios based on multi-level transaction directional flow, the Bill Exchange will obviously be unable to provide basic bill accounts and it is difficult to meet the objective needs of customers based on actual scenario applications. Therefore, there is an urgent need for a platform account based on supply chain bills, which is based on inter-enterprise transactions and provides bill account services based on actual scenario applications for inter-enterprise transactions. Summary of the invention

[0003] Technical purpose: In order to overcome the shortcomings of the prior art, the present invention provides a trust account and scenario application based on the supply chain bill platform, based on the basic business of the bill exchange, following the business logic of the bill exchange, and performing secondary packaging according to actual scenario requirements to achieve customized bill account management services that meet scenario requirements.

[0004] The technical solution of the present invention is as follows: The present invention provides a trust account based on a supply chain bill platform, including a trust fund account and a trust bill account. The fund account and the bill account are combined in a mode, and the basic functions of the supply chain bill account and the fund account are secondary packaged on the basis of the bill account of Shanghai Bill Exchange, so as to realize the bill account management and control function that meets the scene requirements; it is characterized in that the bill account-based order payment service, directional circulation service, automatic receipt service, acquiring service, account period settlement service, bill commitment service, and scene refund service are realized through the [M1] bill account service module, including: [M1.1] Order-to-pay submodule, whose functions are: to provide a service module for both parties of a transaction based on the transaction background and using commercial bill 1 to realize the credit performance of the transaction, and to realize the performance guarantee support service based on the transaction background requirements; the bill issuer 1 issues commercial bill 1 to the bill receiver 1 according to the business requirements of the scenario end, and realizes the receipt and redemption of commercial bill 1 after the transaction performance is achieved; [M1.2] Directed flow submodule, whose function is: the bill issuing party 2 transfers the commercial bill 2 to the designated bill receiving party 2 in a directed manner according to the specific requirements of the scenario 2 involved; [M1.3] Automatic receipt submodule, whose function is: according to the specific requirements of the scenario 3 in which the bill receiving party 3 and the bill issuing party 3 participate, the bill receiving party 3 automatically signs for the bill issuance, pledge, and endorsement application; [M1.4] The acquiring service submodule has the following functions: the bill receiving party 4 sets acquiring rules for the bill issuing party 4, thereby controlling the risk of its own bill acquisition; the acquiring rules include: configuring the bill issuing party whitelist, bill acquisition quota, and bill acquisition period; the bill acquisition period includes calculation based on the natural month and calculation based on the fixed expiration date; [M1.5] Account settlement submodule, whose function is: the bill receiving party 5 sets the settlement rules of the commercial bill 5, and sets the settlement requirements of the commercial bill 5 according to the actual account period; the settlement rules of the commercial bill 5 include: initiating bill settlement on the bill due date, initiating bill settlement multiple times within the account period, and partial settlement according to the account period; [M1.6] Bill commitment submodule, whose function is: to provide in-transit business locking for the three bill businesses of endorsement, pledge and bill collection, and release the locking state after the conditions of scenario 6 are met; the in-transit business locking means that the bill issuing party 6 issues a commercial bill 6 to the bill receiving party 6, and when the bill commitment state is initiated, the credit account platform locks the commercial bill 6, and does not allow the bill issuing party 6 to withdraw it or allow the bill receiving party 6 to sign for it; [M1.7] The scenario refund submodule has the following functions: the bill receiving party 7 returns the signed commercial bill 7 to the bill issuing party 7 in the form of a bill according to the requirements of scenario 7 according to the return amount.

[0005] Furthermore, the directed circulation described in [M1.2] includes endorsement and pledge.

[0006] Furthermore, it also includes [M2] public service module, which provides account query service, business processing service, and detailed query service, including: [M2.1] Account query submodule, its function is: to provide the users of Chengxin accounts with the ability to query the basic information, balance information, and bill holding information of the currently opened bill accounts and capital accounts; [M2.2] Business processing submodule, its functions are: to provide the users of the credit account with the approval and confirmation of the addition and modification of the rules for bill payment accounts, and to provide the query of the processing records and processed details of various rule functions; [M2.3] Details query submodule, its function is to provide users of Chengxin accounts with the ability to query the processing details of various businesses and transaction details.

[0007] Furthermore, it also includes [M3] fund account service module, which provides online account opening service, withdrawal supervision service, functional account service, transaction accounting service, balance management service, automated withdrawal service and reconciliation service based on fund account, including: [M3.1] Online account opening submodule, whose functions are: according to the requirements of scenario 8, open a fund supervision account online through the Chengxin account platform; [M3.2] Withdrawal supervision submodule, whose function is to supervise the withdrawal of the regulated account, and execute according to the logic of the customer initiating the withdrawal application and the supervisor's approval; [M3.3] Functional account submodule, whose functions are: secondary encapsulation of functional sub-ledgers according to the needs of the scenario, and classification management of the customer's regulatory account funds; [M3.4] Transaction accounting submodule, whose functions are: accounting function of a single functional account, providing accounting capabilities based on business requirements for trust account users; [M3.5] Balance management submodule, whose functions are: to update the balance of functional accounts according to the situation of a single transaction; [M3.6] Sub-automatic withdrawal module, whose functions are: to provide automated withdrawal services in accordance with business rules, to achieve the ability to withdraw funds from regulatory accounts and transfer funds between functional accounts; [M3.7] Sub-reconciliation service module, whose function is to reconcile with the bank and handle error accounts.

[0008] Furthermore, a method based on a trade scenario application based on a supply chain bill platform credit account refers to the buyer and seller completing trade-based order payment through commercial bills 8 to solve the trade trust problem between completely unfamiliar buyer and seller companies, including: [S1.1] The buyer and the seller sign a trade contract and register a trust account respectively. The buyer deposits the purchase price into the buyer's trust account and accepts the fund supervision of the trust account platform. At this time, the buyer's trust account is locked; the buyer issues a commercial bill 8 for the purchase price to the seller; [S1.2] After the seller receives the commercial bill 8 for the purchase price in step [S1.1], the seller shall perform the contract in accordance with the trade contract in step [S1.1]; [S1.3] When the seller completes the performance described in step [S1.2], the bill is automatically signed according to the business rules established in advance; [S1.4] After the buyer has verified that the goods are correct according to the trade contract described in step [S1.1], the credit account platform initiates the account settlement according to the account period requirements, and the funds are settled and paid from the buyer's credit fund account to the seller's bank account.

[0009] Furthermore, a method based on the credit account of the supply chain bill platform is applied in the scenario of investment management or special fund management, which means that the fund controller solves the problem of directional fund flow by issuing commercial bills 9 to the controlled party, including: [S2.1] The capital controller, the controlled party, and the controlled party’s upstream party sign an investment contract and register for a trust account platform respectively. After the capital controller agrees to allocate funds to the controlled party, it does not directly pay the controlled party, but instead issues a commercial bill to the controlled party through an order payment method9; [S2.2] The fund controller configures parameters that meet the requirements of investment management or special fund management scenarios on the trust account platform. When the parameter conditions that meet the requirements of investment management or special fund management scenarios are met, the trust account platform authorizes the controlled party to automatically sign for the bill 9, and then transfers it to the upstream of the controlled party in a directional manner; [S2.3] The upstream controlled party authorizes the trust account platform to automatically sign for the bill 9 and configure the account settlement parameters according to the transaction background agreement. The trust account platform processes the payment according to the requirements of the account settlement parameters.

[0010] Furthermore, the fund controller refers to the investor who allocates funds specifically for investment projects for project procurement, or the government agency that requires the targeted use of special funds; the controlled party refers to the user of the funds.

[0011] Furthermore, a method based on the supply chain bill platform trust account application based on the fund collection path monitoring scenario is used. For financing businesses based on accounts receivable and mainly based on debt pledge and transfer, the financial institutions providing funds have a demand to lock the fund collection path, that is, to directly transfer the funds to the financial institution account when the debt matures; [S3.1] Financial institutions, debtors and original creditors register trust accounts respectively. In order to ensure that funds can flow back to financial institutions, financial institutions set up fund return path monitoring scenario parameters on the trust account platform; when the debtor and the original creditor have a transaction, the debtor issues a commercial bill 10 to the original creditor; [S3.2] According to the requirements of the fund collection path monitoring scenario parameters, the original creditor automatically signs for the commercial bill 10 and endorses it to the financial institution; [S3.3] The financial institution automatically signs for the bill 10 to obtain the debt and locks the payment path.

[0012] Furthermore, a method based on the credit account of the supply chain bill platform is applied in a multi-level transaction directional circulation scenario. When the creditor's rights need to be circulated step by step, the party that needs the step-by-step circulation is the regulator, and the other enterprises that circulate step by step are the regulated parties. In order to ensure that the financing funds are paid to a certain subject step by step according to the trade relationship, the financial institution will require multi-level directional payment of funds. [S4.1] The supervisor and the supervised party register a trust account respectively, and the supervisor and the supervised party confirm the rules of directional transfer and automatic receipt on the trust account platform; [S4.2] When the bill meets the rules of directional transfer and automatic receipt described in step [S4.1], the trust account platform completes the automatic receipt of the commercial bill 11 and directional transfers it to the next level of supervised party.

[0013] The beneficial effects of the present invention are: 1. The present invention provides a trust account based on the supply chain bill platform. It innovates on the basis of meeting the basic bill account processing requirements provided by the bill exchange platform, couples and encapsulates the basic functions of the bill exchange with the application scenarios, and adopts a mode of combining the capital account and the bill account to meet the scenario requirements, thus bridging the gap between the basic functions of the bill account and the actual application scenarios; 2. The trust account based on the supply chain bill platform provided by the present invention realizes full online operation compared to the physical account, eliminating the trouble of opening a fund account offline, and is more efficient and faster. Through the trust account based on the supply chain bill platform, it is possible to complete the endorsement circulation step by step according to the requirements of the scene end, and the above function cannot be achieved by ordinary fund accounts; 3. The present invention provides a trust account based on the supply chain bill platform, which is supported by the "Bills Law of the People's Republic of China" as the superior law. Therefore, the bill business has good compliance and is widely recognized, and can avoid the risks of false VAT invoices, tax information reporting, insufficient tax collection, and tax registration in the third-party account entrusted payment business; 4. The present invention provides a method based on the supply chain bill platform trust account based on the trade scenario application, which introduces the trust account platform fund supervision capability, freezes the buyer's purchase money, and completes the payment after the seller fulfills the contract as agreed in the trade contract, thereby effectively solving the trade trust problem between completely unfamiliar buyers and sellers; 5. The present invention provides a method based on the supply chain bill platform credit account application based on investment management or special fund management scenarios. The fund controller solves the problem of directional fund circulation by issuing commercial bills to the controlled party. 6. The present invention provides a method based on the supply chain bill platform trust account application based on the fund collection path monitoring scenario, which provides fund collection path locking for financing businesses based on accounts receivable with creditor's rights pledge and transfer as the main method, and directly transfers funds to the funding party's account when the debt matures, which can effectively prevent the problem of funds being misappropriated at will; 7. The present invention provides a method based on a supply chain bill platform credit account application based on a multi-level transaction directional circulation scenario, which can ensure that funds are paid to a certain entity layer by layer according to the trade relationship and meet the multi-level directional payment needs of funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in 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 invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0015] Figure 1 It is a schematic diagram of a bill account service module based on a supply chain bill platform trust account; Figure 2 It is a schematic diagram of the overall structure of a credit account based on a supply chain bill platform. DETAILED DESCRIPTION

[0016] The exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the following description is only illustrative and exemplary in nature and is not intended to limit the present invention and its application or use. Unless otherwise specifically stated, the relative positions, numerical expressions and numerical values ​​of the components and steps described in the embodiments do not limit the scope of the present invention. In addition, techniques, methods and devices known to those skilled in the art may not be discussed in detail, but are intended to be part of the specification in appropriate circumstances.

[0017] Example 1 is a trust account based on a supply chain bill platform disclosed by the present invention, such as Figure 1 As shown, it includes a trust fund account and a trust bill account, and is composed of [M1] bill account service module, [M2] public service module, and [M3] fund account service module; [M1] The bill account service module adopts a model that combines capital accounts and bill accounts. Based on the bill account of the Shanghai Commercial Bank of China, it repackages the basic functions of the supply chain bill account and capital account to achieve bill account management and control functions that meet scenario requirements. [M1.1] Order-to-pay submodule, whose functions are: to provide a service module for both parties of a transaction based on the transaction background and using commercial bill 1 to realize the credit performance of the transaction, and to realize the performance guarantee support service based on the transaction background requirements; the bill issuer 1 issues commercial bill 1 to the bill receiver 1 according to the business requirements of the scenario end, and realizes the receipt and redemption of commercial bill 1 after the transaction performance is achieved; [M1.2] Directed flow submodule, whose function is: the bill issuing party 2 endorses and pledges the commercial bill 2 to the designated bill receiving party 2 according to the specific requirements of the scenario 2 involved; [M1.3] Automatic receipt submodule, whose function is: according to the specific requirements of the scenario 3 in which the bill receiving party 3 and the bill issuing party 3 participate, the bill receiving party 3 automatically signs for the bill issuance, pledge, and endorsement application; [M1.4] The acquiring service submodule has the following functions: the bill receiving party 4 sets acquiring rules for the bill issuing party 4, thereby controlling the risk of its own bill acquisition; the acquiring rules include: configuring the bill issuing party whitelist, bill acquisition quota, and bill acquisition period; the bill acquisition period includes calculation based on the natural month and calculation based on the fixed expiration date; [M1.5] Account settlement submodule, whose function is: the bill receiving party 5 sets the settlement rules of the commercial bill 5, and sets the settlement requirements of the commercial bill 5 according to the actual account period; the settlement rules of the commercial bill 5 include: initiating bill settlement on the bill due date, initiating bill settlement multiple times within the account period, and partial settlement according to the account period; [M1.6] Bill commitment submodule, whose function is: to provide in-transit business locking for the three bill businesses of endorsement, pledge and bill collection, and release the locking state after the conditions of scenario 6 are met; the in-transit business locking means that the bill issuing party 6 issues a commercial bill 6 to the bill receiving party 6, and when the bill commitment state is initiated, the credit account platform locks the commercial bill 6, and does not allow the bill issuing party 6 to withdraw it or allow the bill receiving party 6 to sign for it; [M1.7] The scenario refund submodule has the following functions: the bill receiving party 7 returns the signed commercial bill 7 to the bill issuing party 7 in the form of a bill according to the requirements of scenario 7 according to the return amount.

[0018] [M2] Public service module, providing account query service, business handling service, and detailed query service, such as Figure 2 As shown: [M2.1] Account query submodule, its function is: to provide the users of Chengxin accounts with the ability to query the basic information, balance information, and bill holding information of the currently opened bill accounts and capital accounts; [M2.2] Business processing submodule, its functions are: to provide the users of the credit account with the approval and confirmation of the addition and modification of the rules for bill payment accounts, and to provide the query of the processing records and processed details of various rule functions; [M2.3] Details query submodule, its function is to provide users of Chengxin accounts with the ability to query the processing details of various businesses and transaction details.

[0019] [M3] Fund account service module, which provides online account opening services, withdrawal supervision services, functional account services, transaction accounting services, balance management services, automated withdrawal services, and reconciliation services based on fund accounts, such as Figure 2 As shown: [M3.1] Online account opening submodule, whose functions are: according to the requirements of scenario 8, open a fund supervision account online through the Chengxin account platform; [M3.2] Withdrawal supervision submodule, whose function is to supervise the withdrawal of the supervised account, and execute according to the logic of the customer initiating the withdrawal application and the supervisor's approval; [M3.3] Functional account submodule, whose functions are: secondary encapsulation of functional sub-ledgers according to the needs of the scenario, and classification management of the customer's regulatory account funds; [M3.4] Transaction accounting submodule, whose functions are: accounting function of a single functional account, providing accounting capabilities based on business requirements for trust account users; [M3.5] Balance management submodule, whose functions are: to update the balance of functional accounts according to the situation of a single transaction; [M3.6] Sub-automatic withdrawal module, whose functions are: to provide automated withdrawal services in accordance with business rules, to achieve the ability to withdraw funds from regulatory accounts and transfer funds between functional accounts; [M3.7] Sub-reconciliation service module, whose function is to reconcile with the bank and handle error accounts.

[0020] Embodiment 2 is a method disclosed in the present invention for applying a credit account based on a supply chain bill platform based on a trade scenario, which refers to the buyer and the seller completing the order payment based on trade through the commercial bill 8, solving the trade trust problem between completely unfamiliar buyer and seller enterprises, including: The buyer and the seller sign a trade contract and register for a trust account respectively. The buyer deposits the purchase price into the buyer's trust account and accepts the fund supervision of the trust account platform. At this time, the buyer's trust account is in a locked state; the buyer issues a commercial bill 8 for the purchase price to the seller; after the seller receives the commercial bill 8 for the purchase price, the seller performs the contract in accordance with the trade contract; after the seller completes the performance, the bill is automatically signed according to the business rules established in advance; after the buyer inspects the goods according to the trade contract and finds that they are correct, the trust account platform initiates the account period settlement according to the account period requirements, and the funds are settled and paid from the buyer's trust account to the seller's bank account.

[0021] In this embodiment, the bank is the service provider responsible for providing the bank account, that is, the bank provides regulatory capabilities; based on the supply chain bill platform's trust account, it provides scene-compliant functions according to trade scenario requirements; the supply chain bill platform in this embodiment acts as a regulator and provides guarantees for the redemption of the commercial bill 8 issued by the buyer, that is, the buyer deposits the purchase money into the buyer's trust account and accepts the trust account platform's fund supervision. At this time, the buyer's trust account is in a locked state, which is equivalent to applying the logic of a deposit and providing a B-side Alipay function based on the bill account; the result is that it can solve the problem of trade trust between completely unfamiliar buyers and sellers.

[0022] Embodiment 3 is a method disclosed in the present invention for applying a credit account based on a supply chain bill platform in an investment management or special fund management scenario, which refers to a method for solving the problem of directional fund circulation by a fund controller issuing a commercial bill 9 to a controlled party; the fund controller here refers to an investor who allocates funds specifically for project procurement to an investment project, or a government agency that requires directional use of special funds; the controlled party refers to a fund user; including: The fund controller, the controlled party, and the upstream of the controlled party sign an investment contract and register for the trust account platform respectively. After agreeing to allocate funds to the controlled party, the fund controller does not directly pay the controlled party, but issues commercial bills 9 to the controlled party through order payment; the fund controller configures parameters that meet the requirements of investment management or special fund management scenarios on the trust account platform. When the parameter conditions that meet the requirements of investment management or special fund management scenarios are met, the trust account platform authorizes the controlled party to automatically sign for the bill 9, and then transfers it to the upstream of the controlled party in a targeted manner; the upstream of the controlled party authorizes the trust account platform to automatically sign for the bill 9, and configures the account settlement parameters in accordance with the transaction background agreement. The trust account platform processes the payment in accordance with the requirements of the account settlement parameters.

[0023] Specifically, Urban Investment Company A paid money to Construction Party B for the purpose of paying wages to the construction workers of Construction Party B. However, after the money was received, it was misappropriated by Construction Party B for other purposes. To meet this demand, Urban Investment Company A, Construction Party B, and Labor Service Company C signed an investment contract and registered the Chengxin Account Platform respectively. Urban Investment Company A configured the receipt rules on the Chengxin Account Platform, and all bills issued by Urban Investment Company A to Construction Party B were automatically signed by the Chengxin Account Platform; Urban Investment Company A issued a bill to Construction Party B, and the Chengxin Account Platform automatically signed for the bill, and then directed it to Labor Service Company C; Labor Service Company C authorized the Chengxin Account Platform to automatically sign for the bill and request Urban Investment Company A to pay for the bill, thereby completing the directional flow of funds; and finally, Labor Service Company C completed the payment of wages to the construction workers.

[0024] Embodiment 4 is a method based on the supply chain bill platform credit account based on the scenario of fund collection path monitoring disclosed by the present invention. For financing business based on accounts receivable with mainly creditor's rights pledge and transfer, the financial institution providing funds has a demand to lock the fund collection path, that is, to directly transfer funds to the financial institution account when the debt is due; including: The financial institution, the debtor and the original creditor register a trust account respectively. In order to ensure that the funds can flow back to the financial institution, the financial institution sets up the fund collection path monitoring scenario parameters on the trust account platform; when the debtor and the original creditor have a transaction, the debtor issues a commercial bill 10 to the original creditor; in accordance with the requirements of the fund collection path monitoring scenario parameters, the original creditor automatically signs for the commercial bill 10 and endorses it to the financial institution in a targeted manner; while the financial institution automatically signs for the bill 10 to obtain the debt, it also locks the collection path.

[0025] Example 5 is a method based on the application of a supply chain bill platform trust account based on a multi-level transaction directional circulation scenario disclosed in the present invention. When it is necessary to circulate the debt claim step by step, the party that has a demand for the step-by-step circulation is the regulator, and the other companies that circulate step by step are the regulated parties; in order to ensure that the financing funds are paid to a certain entity step by step according to the trade relationship, the financial institution will require multi-level directional payment of funds; including: the regulator and the regulated party respectively register trust accounts, and the regulator and the regulated party confirm the directional circulation and automatic receipt rules on the trust account platform; when the bill meets the directional circulation and automatic receipt rules, the trust account platform completes the automatic receipt of the commercial bill 11 and directional circulation to the next level of the regulated party.

[0026] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A trust account based on the supply chain bill platform, including a trust fund account and a trust bill account, adopts a mode of combining the fund account and the bill account, and performs secondary packaging on the basic functions of the supply chain bill account and the fund account on the basis of the bill account of the Shanghai Bill Exchange, so as to realize the bill account management and control function that meets the scene requirements; it is characterized by: The [M1] bill account service module implements bill payment service, directional transfer service, automatic receipt service, acquiring service, account settlement service, bill commitment service, and scenario refund service based on bill accounts, including: [M1.1] Order-to-pay bill submodule, whose functions are: to provide a service module for both parties of a transaction based on the transaction background, using commercial bills (1) to achieve transaction credit performance, and to realize performance guarantee support services based on the transaction background requirements; the bill issuer (1) issues a commercial bill (1) to the bill receiver (1) in accordance with the business requirements of the scenario end, and to realize the receipt and redemption of the commercial bill (1) after the transaction performance is achieved; [M1.2] Directed flow submodule, whose function is: the bill issuing party (2) directs the commercial bill (2) to the designated bill receiving party (2) according to the specific requirements of the scenario (2); [M1.3] Automatic receipt submodule, whose function is: according to the specific requirements of the scenario (3) in which the bill receiving party (3) and the bill issuing party (3) participate, the bill receiving party (3) automatically signs for the bill issuance, pledge, and endorsement application; [M1.4] The acquiring service submodule has the following functions: the bill receiving party (4) sets acquiring rules for the bill issuing party (4), thereby controlling the risk of its own bill acquiring; the acquiring rules include: configuring the bill issuing party whitelist, the bill acquiring quota, and the bill acquiring period; the bill acquiring period includes calculation based on the natural month and calculation based on the fixed expiration date; [M1.5] Account settlement submodule, whose functions are: the bill receiving party (5) sets the settlement rules of the commercial bill (5), and sets the settlement requirements of the commercial bill (5) according to the actual account period situation; the commercial bill (5) settlement rules include: initiating bill settlement on the bill due date, initiating bill settlement multiple times within the account period, and partial settlement according to the account period situation; [M1.6] The bill commitment submodule has the following functions: providing in-transit business locking for the three bill businesses of endorsement, pledge, and bill collection, and releasing the locking state after the conditions of scenario (6) are met; the in-transit business locking refers to the bill issuer (6) issuing a commercial bill (6) to the bill receiver (6), and when the bill commitment state is initiated, the credit account platform locks the commercial bill (6), and does not allow the bill issuer (6) to withdraw it or allow the bill receiver (6) to sign for it; [M1.7] The scenario refund submodule has the following functions: the bill receiving party (7) returns the signed commercial bill (7) to the bill issuing party (7) in the form of a bill according to the requirements of the scenario (7) in accordance with the return amount.

2. According to the method of applying the credit account of the supply chain bill platform based on the investment management or special fund management scenario in claim 1, [M1.2] the directed circulation includes endorsement and pledge.

3. According to claim 1, a trust account based on a supply chain bill platform further includes [M2] a public service module, which provides account query services, business processing services, and detailed query services, including: [M2.1] Account query submodule, its functions are: Provide users of Chengxin accounts with the ability to query the basic information, balance information, and bill holding information of currently opened bill accounts and capital accounts; [M2.2] Business processing submodule, its functions are: to provide the users of the credit account with the approval and confirmation of the addition and modification of the rules for bill payment accounts, and to provide the query of the processing records and processed details of various rule functions; [M2.3] Details query submodule, its function is to provide users of Chengxin accounts with the ability to query the processing details of various businesses and transaction details.

4. According to claim 1, a trust account based on a supply chain bill platform further includes [M3] a fund account service module, which provides online account opening services, withdrawal supervision services, functional account services, transaction accounting services, balance management services, automated withdrawal services, and reconciliation services based on fund accounts, including: [M3.1] Online account opening submodule, its functions are: According to the requirements of scenario (8), open a fund supervision account online through the Chengxin account platform; [M3.2] Withdrawal supervision submodule, whose function is to supervise the withdrawal of the regulated account, and execute according to the logic of the customer initiating the withdrawal application and the supervisor's approval; [M3.3] Functional account submodule, whose functions are: secondary encapsulation of functional sub-ledgers according to the needs of the scenario, and classification management of the customer's regulatory account funds; [M3.4] Transaction accounting submodule, its functions are: The bookkeeping function of a single functional account provides bookkeeping capabilities based on business requirements for users of Chengxin accounts; [M3.5] Balance management submodule, whose functions are: to update the balance of functional accounts according to the situation of a single transaction; [M3.6] Sub-automatic withdrawal module, whose functions are: to provide automated withdrawal services in accordance with business rules, to achieve the ability to withdraw funds from regulatory accounts and transfer funds between functional accounts; [M3.7] Sub-reconciliation service module, whose function is to reconcile with the bank and handle error accounts.

5. A method for applying the supply chain bill platform credit account described in any one of claims 1 to 4 in a trade scenario, wherein the buyer and the seller complete the order payment based on the trade through commercial bills (8), and solve the trade trust problem between completely unfamiliar buyer and seller enterprises, including: [S1.1] The buyer and the seller sign a trade contract and register a trust account respectively. The buyer deposits the purchase price into the buyer's trust account and accepts the fund supervision of the trust account platform. At this time, the buyer's trust account is locked; the buyer issues a commercial bill (8) for the purchase price to the seller; [S1.2] After the seller receives the commercial note (8) for the purchase price mentioned in step [S1.1], the seller shall perform the contract in accordance with the trade contract mentioned in step [S1.1]; [S1.3] When the seller completes the performance described in step [S1.2], the bill is automatically signed according to the business rules established in advance; [S1.4] After the buyer has verified that the goods are correct according to the trade contract described in step [S1.1], the credit account platform initiates the account settlement according to the account period requirements, and the funds are settled and paid from the buyer's credit fund account to the seller's bank account.

6. A method based on a supply chain bill platform credit account according to any one of claims 1 to 4 is applied in an investment management or special fund management scenario, wherein the fund controller issues a commercial bill (9) to the controlled party to solve the problem of directional fund flow, including: [S2.1] The fund controller, the controlled party, and the controlled party’s upstream party sign an investment contract and register for a trust account platform respectively. After the fund controller agrees to allocate funds to the controlled party, it does not directly transfer the funds to the controlled party, but instead issues a commercial bill to the controlled party through an order payment method (9); [S2.2] The fund controller configures parameters that meet the requirements of investment management or special fund management scenarios on the trust account platform. When the parameter conditions that meet the requirements of investment management or special fund management scenarios are met, the trust account platform authorizes the controlled party to automatically sign for the bill (9), and then transfers the bill to the upstream of the controlled party in a directional manner; [S2.3] The upstream controlled party authorizes the trust account platform to automatically sign for the bill (9) and configure the account settlement parameters in accordance with the transaction background agreement. The trust account platform processes the payment in accordance with the requirements of the account settlement parameters.

7. According to the method of applying the credit account of the supply chain bill platform based on the investment management or special fund management scenario in claim 6, the fund controller refers to the investor who allocates funds specifically for investment projects for project procurement, or the government agency that requires the targeted use of special funds; the controlled party refers to the fund user.

8. A method based on the supply chain bill platform credit account according to any one of claims 1 to 4 is applied in the scenario of monitoring the fund collection path. For financing business based on accounts receivable with mainly debt pledge and transfer, the financial institution providing funds has a demand to lock the fund collection path, that is, to directly transfer the funds to the financial institution account when the debt is due; [S3.1] The financial institution, the debtor and the original creditor register a trust account respectively. In order to ensure that the funds can flow back to the financial institution, the financial institution sets up the fund return path monitoring scenario parameters on the trust account platform; when the debtor and the original creditor have a transaction, the debtor issues a commercial bill (10) to the original creditor; [S3.2] According to the requirements of the fund collection path monitoring scenario parameters, the original creditor automatically signs for the commercial bill (10) and endorses it to the financial institution; [S3.3] The financial institution automatically signs the bill (10) to obtain the debt and locks the payment path.

9. A method based on the credit account of a supply chain bill platform according to any one of claims 1 to 4 is applied to a multi-level transaction directional circulation scenario. When it is necessary to circulate the debt claim level by level, the party that has a demand for the level-by-level circulation is the regulator, and the other companies that circulate level by level are the regulated parties; in order to ensure that the financing funds are paid to a certain subject level by level according to the trade relationship, the financial institution will require multi-level directional payment of funds; [S4.1] The supervisor and the supervised party register a trust account respectively, and the supervisor and the supervised party confirm the rules of directional transfer and automatic receipt on the trust account platform; [S4.2] When the bill meets the rules of directional transfer and automatic receipt as described in step [S4.1], the trust account platform completes the automatic receipt of the commercial bill (11) and directional transfers it to the next level of regulated party.

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