A Credit Commitment Account Based on the Supply Chain Bill Platform and Its Scenario Applications

Abstract

The present invention belongs to the technical field of digital technology and information technology industry, and particularly relates to a credit commitment account and scenario application based on a supply chain bill platform. The present invention couples and encapsulates the basic functions and application scenarios of the Shanghai Bill Exchange, and adopts a mode of combining a capital account and a bill account to meet the requirements of the scenario; the method for applying the credit commitment account based on the trade scenario provided by the present invention can effectively solve the problem of trade mutual trust between completely unfamiliar buyer and seller enterprises; the method for applying the credit commitment account based on the investment management or special fund management scenario provided by the present invention solves the problem of directional capital flow through commercial bills; the method for applying the credit commitment account based on the scenario of monitoring the capital collection path provided by the present invention can prevent the problem of misappropriation of funds; the method for applying the credit commitment account based on the scenario of multi-level transaction directional flow provided by the present invention can ensure that funds are paid layer by layer according to the trade relationship and complete the multi-level directional payment requirement of funds.

Description

Technical Field

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

[0002] Currently, banks and third-party payment institutions provide enterprises with various forms of payment service capabilities based on fund accounts, mainly including: payment gateways, transfers, online payments, 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 services 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. In some scenarios with special requirements, such as trade mutual trust scenarios between completely unfamiliar buyer and seller enterprises, fund directed transfer scenarios based on investment management, payment path locking scenarios based on monitoring of fund collection paths, and multi-level directed payment scenarios of funds based on multi-level transaction directed transfers, etc., the basic bill accounts provided by the Bill Exchange will be obviously unable to cope 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 to provide bill account services based on actual scenario applications for transactions between enterprises on the basis of transactions between enterprises. Summary of the Invention

[0003] Technical Objective: In order to overcome the deficiencies in the prior art, the present invention provides a credit commitment account and scenario application based on a supply chain bill platform. Based on the basic services of the Bill Exchange and following the business logic of the Bill Exchange, it is secondarily encapsulated according to the requirements of the actual scenario to realize customized bill account control services that meet the scenario requirements.

[0004] The technical solution of the present invention is as follows:

[0005] The present invention provides a credit commitment account based on a supply chain bill platform, including a credit commitment fund account and a credit commitment bill account. It adopts a mode of combining the fund account and the bill account, and secondarily encapsulates 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 to realize the bill account control function that meets the scenario requirements. It is characterized in that, through the [M1] bill account service module, order bill payment services, directed transfer services, automatic receipt services, receipt services, account period settlement services, bill commitment services, and scenario bill return services based on the bill account are realized, including:

[0006] [M1.1] Order Payment by Bill Module, whose functions are: to provide a service module for both trading parties to realize the performance of trading credit using commercial bill 1 based on the trading background, and to realize the performance guarantee support service based on the trading background requirements; the bill issuer 1 issues commercial bill 1 to the bill recipient 1 according to the business requirements of the scenario side, and realizes the receipt and redemption of commercial bill 1 after the trading performance is achieved.

[0007] [M1.2] Directed Transfer Sub-module, whose functions are: the bill issuer 2 transfers commercial bill 2 to the designated bill recipient 2 according to the specific requirements of the scenario 2 it participates in.

[0008] [M1.3] Automatic Receipt Sub-module, whose functions are: according to the specific requirements of the scenario 3 participated by the bill recipient 3 and the bill issuer 3, the bill recipient 3 automatically receives the applications for bill issuance, pledge, and endorsement.

[0009] [M1.4] Acquiring Service Sub-module, whose functions are: the bill recipient 4 sets the acquiring rules for the bill issuer 4 to control its own risk of receiving bills; the acquiring rules include: configuring the white list of bill issuers, the amount of received bills, and the term of receiving bills; the term of receiving bills includes calculating according to the natural month and calculating according to the fixed due date.

[0010] [M1.5] Account Period Settlement Sub-module, whose functions are: the bill recipient 5 sets the settlement rules for commercial bill 5 and sets the settlement requirements for commercial bill 5 according to the actual account period situation; the settlement rules for 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 situation.

[0011] [M1.6] Bill Commitment Sub-module, whose functions are: to provide in-transit business locking for the three bill operations of endorsement, pledge, and presentation for acceptance, and release the locked state after meeting the conditions of scenario 6; the in-transit business locking means that the bill issuer 6 issues commercial bill 6 to the bill recipient 6, and under the condition of initiating the bill commitment state, the credit guarantee account platform locks the commercial bill 6, and does not allow the bill issuer 6 to withdraw it nor allow the bill recipient 6 to receive it.

[0012] [M1.7] Scenario Bill Return Sub-module, whose functions are: the bill recipient 7 returns the already received commercial bill 7 to the bill issuer 7 in the form of a bill according to the requirements of scenario 7 according to the return amount.

[0013] Further, the [M1.2] directed transfer includes endorsement and pledge.

[0014] Further, it also includes the [M2] Public Service Module, which provides account query services, business handling services, and detailed query services, including:

[0015] [M2.1] Account query sub-module, whose functions are: to provide the basic information, balance information, and bill-holding information of the currently opened bill accounts and fund accounts for the users of the credit commitment accounts;

[0016] [M2.2] Business handling sub-module, whose functions are: to provide the addition and modification of the rules for approving and confirming the bill payment accounts for the users of the credit commitment accounts, and to provide the handling records and the details of the handled items for querying the functions of various rules;

[0017] [M2.3] Detail query sub-module, whose functions are: to provide the users of the credit commitment accounts with the query of the handling details and transaction details of various types of businesses.

[0018] Furthermore, it also includes the [M3] fund account service module, which provides online account opening services, fund withdrawal supervision services, functional account services, transaction accounting services, balance management services, automated fund withdrawal services, and reconciliation services based on the fund account, including:

[0019] [M3.1] Online account opening sub-module, whose functions are: to open a fund supervision account online through the credit commitment account platform according to the requirements of Scenario 8;

[0020] [M3.2] Fund withdrawal supervision sub-module, whose functions are: to supervise the fund withdrawal of the supervised accounts and execute according to the logic of the customer initiating a fund withdrawal application and the supervisor approving;

[0021] [M3.3] Functional account sub-module, whose functions are: to re-package the functional sub-ledgers according to the needs of the scenario and classify and manage the funds of the customer's supervised accounts;

[0022] [M3.4] Transaction accounting sub-module, whose functions are: the accounting function of a single functional account, providing the accounting ability for the users of the credit commitment accounts based on business requirements;

[0023] [M3.5] Balance management sub-module, whose functions are: to update the balance of the functional account according to the single transaction situation;

[0024] [M3.6] Sub-automated fund withdrawal module, whose functions are: to provide automated fund withdrawal services according to business rules and realize the ability of fund withdrawal from the supervised account and transfer between functional accounts;

[0025] [M3.7] Sub-reconciliation service module, whose functions are: to reconcile with the bank side and handle the error accounts.

[0026] Furthermore, a method for applying the credit commitment account based on the supply chain bill platform in a trade scenario means that the buyer and the seller complete the order payment based on the trade through Commercial Bill 8, solving the problem of trade mutual trust between completely strange buyer and seller enterprises, including:

[0027] [S1.1] The buyer and the seller sign a trade contract and register for a credit commitment account respectively. The buyer deposits the purchase price into the buyer's credit commitment fund account and accepts the fund supervision of the credit commitment account platform. At this time, the buyer's credit commitment fund account is in a locked state; the buyer issues a commercial bill 8 with the amount of the purchase price to the seller;

[0028] [S1.2] After the seller receives the commercial bill 8 with the amount of the purchase price in step [S1.1], the seller performs the performance according to the trade contract agreed in step [S1.1];

[0029] [S1.3] When the seller completes the performance in step [S1.2], the bill is automatically signed according to the pre-established business rules;

[0030] [S1.4] After the buyer inspects the goods and finds no problems according to the trade contract in step [S1.1], the credit commitment account platform initiates a term settlement according to the term requirements, and the funds are settled and paid from the buyer's credit commitment fund account to the seller's bank account.

[0031] Furthermore, a method based on the credit commitment account of the supply chain bill platform in the scenario of investment management or special fund management, which means that the fund controller solves the problem of directional fund transfer by issuing a commercial bill 9 to the controlled party, includes:

[0032] [S2.1] The fund controller, the controlled party, and the upstream of the controlled party sign an investment contract and register for the credit commitment account platform respectively. After the fund controller agrees to allocate funds to the controlled party, instead of directly transferring money to the controlled party, the fund controller issues a commercial bill 9 to the controlled party by means of order-based bill issuance;

[0033] [S2.2] The fund controller configures parameters that meet the requirements of the investment management or special fund management scenario on the credit commitment account platform. When the parameter conditions that meet the requirements of the investment management or special fund management scenario are satisfied, the credit commitment account platform authorizes the controlled party to automatically sign for the bill 9, and then it is transferred directionally to the upstream of the controlled party;

[0034] [S2.3] The upstream of the controlled party authorizes the credit commitment account platform to automatically sign for the bill 9 and configures the term settlement parameters according to the transaction background agreement. The credit commitment account platform processes the payment according to the requirements of the term settlement parameters.

[0035] Furthermore, the fund controller refers to the investor who allocates funds to an investment project specifically for project procurement, or the government agency that requires the directional use of special funds; the controlled party refers to the fund user.

[0036] Further, a method for applying the credit commitment account based on the supply chain bill platform in the scenario of monitoring the capital collection path. For financing businesses mainly based on the pledge and transfer of creditor's rights with accounts receivable as the collateral, financial institutions providing funds have a need to lock the capital collection path, that is, directly transfer the funds to the financial institution's account when the debt is due;

[0037] [S3.1] The financial institution, the debtor, and the original creditor respectively register credit commitment accounts. To ensure that the funds can flow back to the financial institution, the financial institution sets up parameters for monitoring the capital collection path scenario on the credit commitment account platform; when the debtor conducts a transaction with the original creditor, the debtor issues commercial bill 10 to the original creditor;

[0038] [S3.2] According to the requirements of the capital collection path monitoring scenario parameters, the original creditor automatically accepts commercial bill 10 and endorses it to the financial institution in a targeted manner;

[0039] [S3.3] While obtaining the creditor's rights by automatically accepting bill 10, the financial institution locks the collection path.

[0040] Further, a method for applying the credit commitment account based on the supply chain bill platform in the scenario of multi-level transaction directional transfer. When it is necessary to transfer creditor's rights step by step, the party with a need for step-by-step transfer is the regulatory party, and other enterprises involved in step-by-step transfer are the supervised parties; in order to ensure that the financing funds are paid layer by layer to a certain subject according to the trade relationship, the financial institution will require multi-level directional payment of funds;

[0041] [S4.1] The regulatory party and the supervised parties respectively register credit commitment accounts, and the regulatory party and the supervised parties confirm the rules for directional transfer and automatic acceptance on the credit commitment account platform;

[0042] [S4.2] When the bill meets the directional transfer and automatic acceptance rules described in step [S4.1], the credit commitment account platform completes the automatic acceptance of commercial bill 11 and transfers it directionally to the next-level supervised party.

[0043] The beneficial effects of the present invention are:

[0044] 1. A credit commitment account based on the supply chain bill platform provided by the present invention 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, adopts a mode of combining the capital account and the bill account, realizes compliance with the scenario requirements, and makes up for the gap between the basic functions of the bill account and the actual application scenarios;

[0045] 2. The credit commitment account based on the supply chain bill platform provided by the present invention enables full online operation compared with the physical account, eliminating the trouble of offline opening of the fund account, with higher efficiency and faster speed; through the credit commitment account based on the supply chain bill platform, it is possible to complete step-by-step endorsement transfer according to the requirements of the scenario side, which cannot be achieved by ordinary fund accounts.

[0046] 3. The credit commitment account based on the supply chain bill platform provided by the present invention is supported by the "Negotiable Instruments Law of the People's Republic of China" as the superior law. Therefore, the bill business has good compliance and wide recognition, and can avoid risks such as false opening of value-added tax invoices in taxation, tax information reporting risks, insufficient tax withholding risks, and tax registration risks in the entrusted payment business of third-party accounts.

[0047] 4. The method for applying the credit commitment account based on the supply chain bill platform in the trade scenario provided by the present invention introduces the fund supervision ability of the credit commitment account platform, freezes the buyer's purchase payment, and completes the payment after the seller fulfills the contract as agreed in the trade contract, thereby effectively solving the problem of mutual trust in trade between completely strange buyer and seller enterprises.

[0048] 5. The method for applying the credit commitment account based on the supply chain bill platform in the investment management or special fund management scenario provided by the present invention solves the problem of directional fund transfer by the fund controller issuing commercial bills to the controlled party.

[0049] 6. The method for applying the credit commitment account based on the supply chain bill platform in the scenario of monitoring the fund recovery path provided by the present invention provides a lock on the fund recovery path for financing operations mainly based on the pledge and transfer of creditor's rights of accounts receivable, and directly transfers the funds to the fund party's account when the debt is due, effectively preventing the problem of random misappropriation of funds.

[0050] 7. The method for applying the credit commitment account based on the supply chain bill platform in the scenario of multi-level transaction directional transfer provided by the present invention can ensure that the funds are paid layer by layer to a certain subject according to the trade relationship, completing the multi-level directional payment requirement of funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention, and those of ordinary skill in the art can obtain other drawings without creative efforts based on these drawings.

[0052] Figure 1 It is a schematic diagram of the bill account service module of the credit commitment account based on the supply chain bill platform;

[0053] Figure 2 It is a schematic diagram of the overall structure of the credit commitment account based on the supply chain bill platform. Specific implementation manners

[0054] The exemplary embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be noted that the following description is only explanatory and exemplary in nature and is by no means 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, technologies, 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 where appropriate.

[0055] Embodiment 1 is a credit commitment account based on the supply chain bill platform disclosed by the present invention. As Figure 1 shown, it includes a credit commitment fund account and a credit commitment bill account, and is composed of [M1] bill account service module, [M2] public service module, and [M3] fund account service module;

[0056] [M1] bill account service module adopts a mode of combining the fund account and the bill account, and performs secondary encapsulation 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 to realize the bill account control function that meets the scenario requirements;

[0057] [M1.1] order payment bill sub-module, whose function is: to provide a service module for both trading parties to realize transaction credit performance using commercial bill 1 based on the transaction background, 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;

[0058] [M1.2] directional transfer sub-module, whose function is: the bill issuer 2 endorses and pledges commercial bill 2 to the designated bill receiver 2 according to the specific requirements of the scenario 2 it participates in;

[0059] [M1.3] automatic receipt sub-module, whose function is: according to the specific requirements of the scenario 3 participated by the bill receiver 3 and the bill issuer 3, the bill receiver 3 automatically receives the applications for bill issuance, pledge, and endorsement;

[0060] [M1.4] collection service sub-module, whose function is: the bill receiver 4 sets the collection rules for the bill issuer 4 to control its own risk of receiving bills; the collection rules include: configuring the white list of bill issuers, the bill receiving limit, and the bill receiving period; the bill receiving period includes calculating according to the natural month and calculating according to the fixed maturity date;

[0061] [M1.5]Account period settlement sub-module, whose functions are: receiving the commercial bill 5 settlement rules set by the bill party 5, and setting 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 maturity date, initiating bill settlement multiple times within the account period, and partial settlement according to the account period situation;

[0062] [M1.6]Bill commitment sub-module, whose functions are: providing in-transit business locking for the three bill operations of endorsement, pledge, and presenting for acceptance, and releasing the locked state after meeting the conditions of scenario 6; the in-transit business locking means that when the bill issuing party 6 issues a commercial bill 6 to the bill receiving party 6 and is in the state of initiating bill commitment, the credit commitment account platform locks the commercial bill 6, and does not allow the bill issuing party 6 to withdraw it nor allow the bill receiving party 6 to sign for it;

[0063] [M1.7]Scenario refund sub-module, whose functions are: the bill receiving party 7 returns the already 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.

[0064] [M2]Public service module, providing account query service, business handling service, and detailed query service, as Figure 2 shown:

[0065] [M2.1]Account query sub-module, whose functions are: providing the basic information, balance information, and bill-holding information of the currently opened bill accounts and capital accounts for the credit commitment account users;

[0066] [M2.2]Business handling sub-module, whose functions are: providing the addition and modification of the rules for approving and confirming the supply bill payment account for the credit commitment account users, and providing the handling records and processed details of querying various rule functions;

[0067] [M2.3]Detailed query sub-module, whose functions are: providing the handling details and transaction details of various types of business for the credit commitment account users.

[0068] [M3]Capital account service module, providing online account opening service, fund withdrawal supervision service, functional account service, transaction accounting service, balance management service, automated fund withdrawal service, and reconciliation service, as Figure 2 shown:

[0069] [M3.1]Online account opening sub-module, whose functions are: online opening of a fund supervision account through the credit commitment account platform according to the requirements of scenario 8;

[0070] [M3.2]Fund withdrawal supervision sub-module, whose functions are: supervising the fund withdrawal of the supervised account and executing according to the logic of the customer initiating a fund withdrawal application and the supervisor approving;

[0071] [M3.3] Functional account sub-module, whose functions are: according to the needs of the scenario, re-packaging the functional sub-ledgers, and classifying and managing the funds in the customer's regulatory account;

[0072] [M3.4] Transaction recording sub-module, whose functions are: the recording function of a single functional account, providing the recording ability based on business requirements for the users of the credit commitment account;

[0073] [M3.5] Balance management sub-module, whose functions are: updating the balance of the functional account according to the situation of each transaction;

[0074] [M3.6] Sub-automatic fund withdrawal module, whose functions are: providing automatic fund withdrawal services according to business rules, and realizing the ability to withdraw funds from the regulatory account and transfer funds between functional accounts;

[0075] [M3.7] Sub-reconciliation service module, whose functions are: reconciling with the bank side and handling error accounts.

[0076] Embodiment 2 is a method for applying a credit commitment account based on a supply chain bill platform disclosed in the present invention, which means that the buyer and the seller complete the order payment based on the trade through the commercial bill 8, and solve the problem of trade mutual trust between completely strange buyer and seller enterprises, including:

[0077] The buyer and the seller sign a trade contract and register credit commitment accounts respectively. The buyer deposits the purchase payment into the buyer's credit commitment fund account and accepts the fund supervision of the credit commitment account platform. At this time, the buyer's credit commitment fund account is in a locked state; the buyer issues a commercial bill 8 with the amount of the purchase payment to the seller; after the seller receives the commercial bill 8 with the amount of the purchase payment, the seller performs the contract according to the trade contract; after the seller completes the performance, the bill is automatically signed according to the pre-established business rules; after the buyer inspects the goods according to the trade contract and finds no problems, the credit commitment account platform initiates the account period settlement according to the account period requirements, and the funds are settled and paid from the buyer's credit commitment fund account to the seller's bank account.

[0078] In this embodiment, the bank is the service provider responsible for providing bank accounts, that is, the bank provides the supervision ability; the credit commitment account based on the supply chain bill platform provides functions that meet the scenario requirements according to the trade scenario; in this embodiment, the supply chain bill platform, as the supervisor, provides a guarantee for the redemption of the commercial bill 8 issued by the buyer, that is, the buyer deposits the purchase payment into the buyer's credit commitment fund account and accepts the fund supervision of the credit commitment account platform. At this time, the buyer's credit commitment fund account is in a locked state, which is equivalent to applying the logic of margin and providing the B-side Alipay function based on the bill account; the result is that it can solve the problem of trade mutual trust between completely strange buyer and seller enterprises.

[0079] Example 3 is a method based on the trust-acceptance account of the supply chain bill platform for application in investment management or special fund management scenarios. It means that the fund controller issues a commercial bill 9 to the controlled party to solve the problem of directional fund transfer. Here, the fund controller refers to the investor who allocates funds to the investment project specifically for project procurement, or the government agency that requires the special funds to be used directionally. The controlled party refers to the fund user. It includes:

[0080] The fund controller, the controlled party, and the upstream of the controlled party sign an investment contract and register on the trust-acceptance 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 issues a commercial bill 9 to the controlled party by means of order-based bill issuance. The fund controller configures parameters that meet the requirements of investment management or special fund management scenarios on the trust-acceptance account platform. When the parameter conditions that meet the requirements of investment management or special fund management scenarios are satisfied, the trust-acceptance account platform authorizes the controlled party to automatically sign for the bill 9, and then it is transferred directionally to the upstream of the controlled party. The upstream of the controlled party authorizes the trust-acceptance account platform to automatically sign for the bill 9 and configures the account period settlement parameters according to the transaction background agreement. The trust-acceptance account platform processes the payment according to the requirements of the account period settlement parameters.

[0081] Specifically, Urban Investment Company A transfers funds to Construction Company B for the purpose of paying the wages of Construction Company B's construction workers. As a result, the funds are misappropriated by Construction Company B for other purposes after they arrive in the account. To meet this demand, Urban Investment Company A, Construction Company B, and Labor Company C sign an investment contract and register on the trust-acceptance account platform respectively. Urban Investment Company A configures the signing rules on the trust-acceptance account platform, and all the bills issued by Urban Investment Company A to Construction Company B are automatically signed by the trust-acceptance account platform on behalf. Urban Investment Company A issues a bill to Construction Company B, and the trust-acceptance account platform automatically signs for the bill and then transfers it directionally to Labor Company C. Labor Company C authorizes the trust-acceptance account platform to automatically sign for the bill and requests Urban Investment Company A to make the bill payment, thus completing the directional fund transfer operation. Finally, Labor Company C completes the payment of wages for construction workers.

[0082] Example 4 is a method based on the trust-acceptance account of the supply chain bill platform for application in the scenario of monitoring the fund collection path. For financing businesses mainly based on the pledge and transfer of accounts receivable as creditor's rights, the financial institutions providing funds have a need to lock the fund collection path, that is, to directly transfer the funds to the financial institution's account when the debt is due. It includes:

[0083] The financial institution, the debtor and the original creditor respectively register a credit commitment account. To ensure that funds can flow back to the financial institution, the financial institution sets up a monitoring scenario parameter for the fund repayment path on the credit commitment account platform. When the debtor conducts a transaction with the original creditor, the debtor issues a commercial bill 10 to the original creditor. According to the requirements of the monitoring scenario parameter for the fund repayment path, the original creditor automatically accepts the commercial bill 10 and endorses it to the financial institution in a targeted manner. While automatically accepting the bill 10 to obtain the creditor's rights, the financial institution locks the repayment path.

[0084] Embodiment 5 is a method for applying a credit commitment account based on a supply chain bill platform for the multi-level transaction targeted transfer scenario disclosed in the present invention. When it is necessary to transfer the creditor's rights level by level, there is a party with a need for level-by-level transfer as the regulatory party, and other enterprises with level-by-level transfer as the supervised parties. To ensure that the financing funds are paid layer by layer to a certain entity according to the trade relationship, the financial institution will require multi-level targeted payment of funds, including: the regulatory party and the supervised parties respectively register credit commitment accounts, and the regulatory party and the supervised parties confirm the targeted transfer and automatic acceptance rules on the credit commitment account platform. When the bill meets the targeted transfer and automatic acceptance rules, the credit commitment account platform completes the automatic acceptance of the commercial bill 11 and transfers it to the next-level supervised party in a targeted manner.

[0085] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A credit acceptance account based on the supply chain bill platform, including a credit acceptance fund account and a credit acceptance bill account, adopts a mode of combining the fund account and the bill account, and performs secondary encapsulation on the basic functions of the supply chain bill account and the fund account on the basis of the bill account of the Shanghai Clearing House to realize the bill account control function that meets the scenario requirements; characterized in that, The order payment with bills service, directed transfer service, automatic receipt service, bill collection service, account period settlement service, bill commitment service, and scenario-based bill return service are realized through the bill account service module, including: The order payment with bills sub-module, whose functions are: providing a service module for both parties in a transaction to fulfill transaction credit using commercial bills based on the transaction background, and realizing the performance guarantee support service based on the transaction background requirements; the bill issuer issues commercial bills to the bill receiver according to the business requirements of the scenario side, and completes the receipt and redemption of commercial bills after the transaction performance is achieved; The directed transfer sub-module, whose functions are: the bill issuer directs the transfer of commercial bills to the designated bill receiver according to the specific requirements of the scenario participated in; the directed transfer includes endorsement and pledge; The automatic receipt sub-module, whose functions are: according to the specific requirements of the scenario participated in by the bill receiver and the bill issuer, the bill receiver automatically receives the applications for bill issuance, pledge, and endorsement; The bill collection service sub-module, whose functions are: the bill receiver sets the bill collection rules for the bill issuer to control its own bill collection risks; the bill collection rules include: configuring the white list of the bill issuer, the bill collection amount, and the bill collection period; the bill collection period includes calculation according to the natural month and calculation according to the fixed maturity date; The account period settlement sub-module, whose functions are: the bill receiver sets the commercial bill settlement rules and sets the settlement requirements for commercial bills according to the actual account period situation; the commercial bill settlement rules include: initiating bill settlement on the bill maturity date, initiating bill settlement multiple times within the account period, and partial settlement according to the account period situation; The bill commitment sub-module, whose functions are: providing in-transit business locking for the three bill operations of endorsement, pledge, and presenting for bill collection, and releasing the locked state after meeting the conditions of the scenario; the in-transit business locking means that when the bill issuer issues a commercial bill to the bill receiver, under the initiated bill commitment state, the credit commitment account platform locks the commercial bill, and does not allow the bill issuer to withdraw it nor allow the bill receiver to receive it; The scenario-based bill return sub-module, whose functions are: the bill receiver returns the already received commercial bill to the bill issuer in the form of a bill according to the requirements of the scenario and the return amount.

2. A credit commitment account based on a supply chain bill platform according to claim 1 further includes a public service module, which provides account query service, business handling service, and detailed query service, including: The account query sub-module, whose functions are: providing the credit commitment account user with querying the basic information, balance information, and bill holding information of the currently opened bill account and fund account; The business handling sub-module, whose functions are: providing the credit commitment account user with the addition and modification of the rules for approving and confirming the bill payment account, and providing the handling records and handled details of querying various rule functions; The detailed query sub-module, whose functions are: providing the credit commitment account user with querying the handling details and transaction details of various types of business.

3. A credit commitment account based on a supply chain bill platform according to claim 1 further includes a fund account service module, which provides online account opening services, fund withdrawal supervision services, functional account services, transaction accounting services, balance management services, automated fund withdrawal services, and reconciliation services based on the fund account, including: An online account opening sub-module, whose functions are: According to the scenario requirements, open a fund supervision account online through the credit commitment account platform; A fund withdrawal supervision sub-module, whose functions are: supervise the fund withdrawal of the supervised account and execute according to the logic of the customer initiating a fund withdrawal application and the supervisor approving; A functional account sub-module, whose functions are: according to the needs of the scenario, re-encapsulate the functional sub-ledgers and classify and manage the funds in the customer's supervision account; A transaction accounting sub-module, whose functions are: the accounting function of a single functional account, providing the accounting ability based on business requirements for the users of the credit commitment account; A balance management sub-module, whose functions are: update the balance of the functional account according to the single transaction situation; An automated fund withdrawal sub-module, whose functions are: provide automated fund withdrawal services according to business rules, and realize the ability to withdraw funds from the supervision account and transfer funds between functional accounts; A reconciliation service sub-module, whose functions are: reconcile with the bank side and process error accounts.

4. A method based on a trade scenario applying the credit commitment account based on a supply chain bill platform according to any one of claims 1 to 3 refers to the buyer and the seller completing order payments based on trade through commercial bills, solving the problem of trade mutual trust between completely unfamiliar buyer and seller enterprises, including: [S1.1] The buyer and the seller sign a trade contract and respectively register for a credit commitment account. The buyer deposits the purchase price into the buyer's credit commitment fund account and accepts the fund supervision of the credit commitment account platform. At this time, the buyer's credit commitment fund account is in a locked state; the buyer issues a commercial bill with the amount of the purchase price to the seller; [S1.2] After the seller receives the commercial bill with the amount of the purchase price in step [S1.1], the seller performs the performance according to the trade contract agreement in step [S1.1]; [S1.3] When the seller completes the performance behavior in step [S1.2], the bill is automatically signed according to the pre-established business rules; [S1.4] After the buyer inspects the goods and finds them correct according to the trade contract in step [S1.1], the credit commitment account platform initiates a term settlement according to the term requirements, and the funds are settled and paid from the buyer's credit commitment fund account to the seller's bank account.

5. A method based on an investment management or special fund management scenario applying the credit commitment account based on a supply chain bill platform according to any one of claims 1 to 3 refers to the fund controller solving the problem of directional fund flow by issuing commercial bills to the controlled party, including: [S2.1] The fund controller, the controlled party, and the upstream of the controlled party sign an investment contract and respectively register for the credit commitment account platform. After the fund controller agrees to allocate funds to the controlled party, instead of directly transferring funds to the controlled party, the fund controller issues a commercial bill to the controlled party through the method of paying by order; [S2.2]The fund controller configures parameters that meet the requirements of the investment management or special fund management scenario on the credit commitment account platform. When the parameter conditions that meet the requirements of the investment management or special fund management scenario are satisfied, the credit commitment account platform authorizes the controlled party to automatically receive the bill, and then directs the transfer to the upstream of the controlled party; [S2.3]The upstream of the controlled party authorizes the credit commitment account platform to automatically receive the bill and configures the account period settlement parameters according to the agreement of the transaction background. The credit commitment account platform processes the payment according to the requirements of the account period settlement parameters.

6. The method for applying the credit commitment account of the supply chain bill platform based on the investment management or special fund management scenario according to claim 5, wherein the fund controller refers to an investor who allocates funds to an investment project specifically for project procurement, or a government agency that requires the targeted use of special funds; the controlled party refers to the fund user.

7. A method for applying the credit commitment account of the supply chain bill platform according to any one of claims 1 to 3 based on the fund collection path monitoring scenario. For financing businesses mainly based on the pledge and transfer of creditor's rights for accounts receivable, the financial institution providing funds has a need to lock the fund collection path, that is, directly transfer the funds to the financial institution's account when the debt is due; [S3.1]The financial institution, the debtor, and the original creditor respectively register credit commitment accounts. To ensure that the funds can flow back to the financial institution, the financial institution builds the fund collection path monitoring scenario parameters on the credit commitment account platform; when the debtor and the original creditor conduct transactions, the debtor issues a commercial bill to the original creditor; [S3.2]According to the requirements of the fund collection path monitoring scenario parameters, the original creditor automatically receives the commercial bill and endorses it to the financial institution in a directed manner; [S3.3]While automatically receiving the bill to obtain the creditor's rights, the financial institution locks the collection path.

8. A method for applying the credit commitment account of the supply chain bill platform according to any one of claims 1 to 3 based on the multi-level transaction directed transfer scenario. When it is necessary to transfer the creditor's rights level by level, the party with a need for level-by-level transfer is the regulatory party, and the other enterprises with level-by-level transfer are the supervised parties; in order to ensure that the financing funds are paid layer by layer to a certain subject according to the trade relationship, the financial institution will require multi-level directed payment of funds; [S4.1]The regulatory party and the supervised party respectively register credit commitment accounts, and the regulatory party and the supervised party confirm the directed transfer and automatic receipt rules on the credit commitment account platform; [S4.2]When the bill meets the directed transfer and automatic receipt rules described in step [S4.1], the credit commitment account platform completes the automatic receipt of the commercial bill and directs the transfer to the next-level supervised party.

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