ECDS system and method based on supply chain financial acceptance bill

Abstract

The invention relates to the related technical field of financial data processing, and provides an ECDS system and method based on a supply chain financial acceptance bill. The ECDS system comprises a core processing module, and the core processing module comprises a risk prevention and control module which is used for obtaining user data, carrying out preprocessing and feature conversion, obtaining an input feature vector, and obtaining an output feature vector based on the input feature vector by adopting a linear model; based on the output feature vector, mapping the output feature vector to a probability space by adopting a logistic regression model to obtain a prediction probability that the user belongs to each category; determining the credit rating of the user based on the prediction probability of each category in combination with one or more set thresholds; generating a text of a user ID, an input feature vector, a prediction probability and a credit rating; and based on the credit rating, risk assessment is performed on the bill business of the user, abnormal behaviors in the bill circulation process are monitored, and an early warning mechanism is triggered.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data processing, and in particular, to an ECDS system and method based on supply chain finance acceptance bills. Background Art

[0002] The statements in this part only provide background technical information related to the present invention, and do not necessarily constitute prior art.

[0003] The existing Electronic Commercial Draft System (ECDS) mainly targets banks and commercial institutions, and has the following technical problems:

[0004] 1. It mainly provides services such as receiving, registering, and forwarding electronic commercial drafts, but lacks specialized functions for supply chain finance acceptance bills;

[0005] 2. It fails to fully meet the efficient, safe, and convenient transaction requirements of acceptance bills in supply chain finance;

[0006] 3. The acceptance bill transactions in supply chain finance involve multiple parties, and the existing system lacks effective integration and coordination of these parties. Summary of the Invention

[0007] In order to solve the technical problems existing in the above background art, the present invention provides an ECDS system and method based on supply chain finance acceptance bills. The ECDS system designed by the present invention includes multiple functional modules, and each module is responsible for a specific function, improving the scalability and flexibility of the system.

[0008] In order to achieve the above object, the present invention adopts the following technical solutions:

[0009] The first aspect of the present invention provides an ECDS system based on supply chain finance acceptance bills.

[0010] An ECDS system based on supply chain finance acceptance bills includes: a core processing module, and the core processing module includes:

[0011] A risk prevention and control module, which is used to obtain user information, perform preprocessing and feature transformation to obtain an input feature vector, based on the input feature vector, adopt a linear model to obtain an output feature vector; based on the output feature vector, adopt a logistic regression model to map it to a probability space to obtain the prediction probability of the user belonging to each category; based on the prediction probabilities of each category, combine one or more set thresholds to determine the credit rating of the user; generate texts of user ID, input feature vector, prediction probability, and credit rating; based on the credit rating, conduct a risk assessment on the user's bill business, monitor abnormal behaviors during the bill circulation process, and trigger an early warning mechanism.

[0012] Further, the core processing module further includes: an intelligent information processing module, which is used to identify the text information on the bill by using OCR technology; and is used to introduce artificial intelligence and big data technologies to automatically process and intelligently analyze the information of the supply chain finance acceptance bill, automatically identify and verify the bill information, and identify potential risk points and abnormal information.

[0013] Further, the core processing module further includes: a system compatibility and integration module, which is used to adopt standardized data formats and communication protocols, establish an interface docking mechanism between systems, and provide API interfaces and SDK development toolkits.

[0014] Further, the ECDS system further includes: an auxiliary function module, and the auxiliary function module includes: an enterprise information management and participant management module, which is used to manage the enterprise information and business participants in the supply chain finance acceptance bill business; allows the access institution to report the relevant information of the enterprise to the clearing house so that the clearing house can establish the enterprise type business participant information after verification; and is used to assign corresponding permissions to different business participants.

[0015] Further, the auxiliary function module further includes: a bill splitting, circulation and subcontracting management module, which is used to split large-amount bills into small-amount bills; support the circulation of bills in the supply chain; and is used to manage the subcontracted bills after splitting.

[0016] Furthermore, the auxiliary function module further includes: an automated presentment for payment and clearing process optimization module, which is used to automatically initiate a presentment for payment application and automatically respond to the acceptor's response when the banknote is due; set up a clearing house batch clearing special account to implement the batch clearing process of receiving first and then paying; and automatically initiate a retry for the bills with failed batch clearing.

[0017] Furthermore, the auxiliary function module further includes: a recourse process optimization and online clearing module, which is used to allow the holder after discounting to directly initiate recourse against the previous hand; provide an online clearing method for recourse before discounting; and allow the recoursee to initiate an application for consent to settlement for the subcontracted bill package against which recourse is initiated.

[0018] Furthermore, the auxiliary function module further includes: a registration, custody and payment credit optimization module, which is used to provide a function for revoking the non-transferable mark of the electronic bill; move the discount guarantee letter business from offline to online; and optimize the statistical logic of the acceptor's payment credit.

[0019] The second aspect of the present invention provides an ECDS method based on a supply chain finance acceptance bill.

[0020] An ECDS method based on a supply chain finance acceptance bill, characterized in that it is applied to the ECDS system based on a supply chain finance acceptance bill described in the first aspect, and includes:

[0021] The ECDS system is initialized, and users open an account with a bank accessing the ECDS and activate the online banking function and the electronic bill function module.

[0022] The user logs in to the online banking, selects the bill business → electronic bill issuance → issuance information registration, and fills in the bill information; the drawer submits an acceptance application, the acceptor reviews the application, and after passing the review, the acceptor accepts the bill; the drawer sends a prompt for receiving the bill application to the payee.

[0023] The holder logs in to the online banking, selects the endorsement transfer function, and fills in the endorsee information; generates an endorsement transfer application, and after the holder confirms, submits it; the endorsee logs in to the online banking and confirms the endorsement transfer application.

[0024] The holder submits a discount application to the opening bank, fills in the relevant discount information, the bank reviews the discount application, and after passing the review, handles the discount procedures and transfers the discount funds to the holder's account.

[0025] When the bill is due, the holder logs in to the online banking, selects the prompt for payment function, and sends a prompt for payment application to the acceptor; after receiving the prompt for payment application, the acceptor reviews and handles the payment procedures; the acceptor transfers the funds to the holder's account.

[0026] During the process of bill circulation, the holder logs in to the online banking, selects the recourse function, fills in the recourse application, generates a recourse application, and after the holder confirms, submits it; the recourse obligor logs in to the online banking, views the recourse application, and selects to agree or reject the recourse according to the actual situation; according to the response result of the recourse obligor, the bill status and the recourse record are updated.

[0027] The third aspect of the present invention provides a computer device.

[0028] A computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, it implements the steps in the ECDS method based on the supply chain finance acceptance bill as described in the first aspect above.

[0029] Compared with the prior art, the beneficial effects of the present invention are:

[0030] The present invention proposes an ECDS system and method based on supply chain finance acceptance bills. Through the design and implementation of the core processing module and the auxiliary function module, an efficient, safe, and convenient acceptance bill trading process is realized. The implementation of the present invention will help improve the efficiency and security of supply chain finance and promote the healthy development of supply chain finance.

[0031] The ECDS system designed by the present invention adopts a hierarchical architecture with a clear hierarchical structure, making the responsibilities of each part of the system clear and easy to manage and maintain.

[0032] The core system designed by the present invention adopts efficient data processing technology, which can quickly process a large amount of electronic commercial draft data to ensure the real-time nature and accuracy of transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] The accompanying drawings forming a part of this specification are used to provide a further understanding of the present invention. The schematic embodiments and descriptions thereof of the present invention are used to explain the present invention and do not constitute an improper limitation to the present invention.

[0034] Figure 1 It is a structural diagram of an ECDS system based on a supply chain finance acceptance bill shown by the present invention;

[0035] Figure 2 It is a flowchart of an ECDS method based on a supply chain finance acceptance bill shown by the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0036] The present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0037] It should be noted that the following detailed descriptions are all illustrative and are intended to provide a further description of the present invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which the present invention belongs.

[0038] It should be noted that the terms used herein are only for describing specific embodiments and are not intended to limit the exemplary embodiments according to the present invention. As used herein, unless the context clearly indicates otherwise, the singular form is also intended to include the plural form. In addition, it should be understood that when the terms "comprise" and / or "include" are used in this specification, they indicate the presence of features, steps, operations, devices, components, and / or combinations thereof.

[0039] It should be noted that the flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of the methods and systems according to various embodiments of the present disclosure. It should be noted that each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, and the module, program segment, or part of code may include one or more executable instructions for implementing the logical functions specified in the respective embodiments. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, or they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the flowchart and / or block diagram, as well as the combination of blocks in the flowchart and / or block diagram, may be implemented using a dedicated hardware-based system that performs the specified functions or operations, or may be implemented using a combination of dedicated hardware and computer instructions.

[0040] Term Explanation:

[0041] The ECDS system is a business processing platform based on network and computer technologies, which is used to receive, store, and send electronic commercial draft data messages, and provide services related to the currency payment and fund settlement behaviors of electronic commercial drafts. It mainly serves the acceptance draft business in supply chain finance and realizes the electronic circulation and management of acceptance drafts.

[0042] Embodiment 1

[0043] As Figure 1 shown, this embodiment provides an ECDS system based on supply chain finance acceptance drafts. The ECDS system architecture includes a core system, an auxiliary system 1, and an auxiliary system 2. The following is a detailed description of these three parts:

[0044] Core System: That is, the electronic commercial draft business processing system, which is the core processing module of the ECDS system. It is responsible for processing a series of operations such as the issuance, endorsement transfer, guarantee, discounting, re-discounting, pledge, presentation for payment, and recourse of electronic commercial drafts. At the same time, this system is also connected to the payment systems of finance companies, commercial banks, and the People's Bank of China to realize the delivery-versus-payment (DVP) transactions under the banking system.

[0045] Auxiliary System 1: The commercial draft public quotation system, which is one of the auxiliary function modules of the ECDS system. It is used for the directional and non-directional quotation and information query of the re-discounting of electronic and paper commercial drafts. Currently, this system mainly allows finance companies and commercial banks to participate.

[0046] Auxiliary System 2: The Paper Commercial Bill Registration and Inquiry System, which is also one of the auxiliary function modules of the ECDS system. It is used for registering and inquiring about the information of paper commercial bill acts, and realizing the centralized registration and storage of paper commercial bills.

[0047] In one or more embodiments of the present invention, the core processing module includes: an intelligent information processing module, a risk prevention and control module, and a system compatibility and integration module. Each module will be introduced in detail below:

[0048] The intelligent information processing module uses OCR technology to identify the text information on the bill, thus solving the problem that the traditional ECDS system requires manual entry and verification of the bill content, and improving the accuracy and efficiency of information entry.

[0049] The intelligent information processing module, by introducing artificial intelligence and big data technologies, automatically processes and intelligently analyzes the information of supply chain finance acceptance bills, identifies potential risk points and abnormal information. This module can automatically identify and verify the bill information, realize the rapid transfer and accurate matching of information. It realizes seamless docking with the information systems of upstream and downstream enterprises in the supply chain, and realizes real-time sharing and synchronous update of information.

[0050] The risk prevention and control module uses the logistic regression algorithm to build a credit assessment model to obtain the credit risk score of the customer. At the same time, a monitoring and early warning mechanism is added, which can effectively apply the risk assessment results to business scenarios, combine new technologies with reality, and improve the security of supply chain finance.

[0051] Specifically, the following methods are internally run in the risk prevention and control module, including:

[0052] (1) First, define a linear model:

[0053] Assume that the data to be classified can be represented by a linear model, that is, by linearly combining the features, a predicted value is obtained. The linear model can be expressed as:

[0054] z = w T x + b

[0055] where w is the feature weight vector, x is the input feature vector, b is the bias term, z is the output of the linear model, and w T represents transposing w from a column vector to a row vector.

[0056] Then, according to the requirements of credit assessment, determine the input features that affect credit risk. These features may include age, income, debt situation, historical repayment records, etc.

[0057] (2) Construct a feature vector:

[0058] Construct the input features of each sample into a feature vector x. For example, for a sample, its feature vector may be represented as [x1, x2, x3,..., xn], where x1 represents age, x2 represents income, and so on.

[0059] During the construction process, set a group of sample variables: Age: X; Gender: M, representing male, W, representing female; Income: Y; Debt Ratio: Z, calculated as total debt / total income; Number of Historical Overdue Times: N.

[0060] After data preprocessing and feature engineering, its feature vector may be as follows:

[0061] Feature vector x = [X, M, Y, Z, N]. Here, the dimension of the feature vector is 5, corresponding to age, gender (converted to numerical type), income, debt ratio, and number of historical overdue times respectively.

[0062] (3) Define the logistic function:

[0063] Use the logistic function (Sigmoid function) to map the output of the linear model to the probability range of [0, 1]. The formula of the logistic function is:

[0064] f(z) = 1 + e -z

[0065] z: This is the input of the function, which can be a real number or any variable that can be mapped to a real number. In the context of logistic regression and neural networks, z is usually a linear combination, that is, z = w T x + b, where w is the weight vector, x is the input feature vector, and b is the bias term. -z: This is the exponential part of the exponential function, taking the opposite of z. When z is positive, e -z is a positive number between 0 and 1, and decreases as z increases; when z is negative, e -z is a positive number greater than 1, and increases as z decreases.

[0066] (4) Determine the credit rating:

[0067] According to the output probability of the logistic function, set a threshold (usually 0.5), and classify the samples with a probability greater than the threshold as positive class (higher credit rating), and the samples with a probability less than the threshold as negative class (lower credit rating).

[0068] Setting Thresholds: In a logistic regression model, one or more thresholds are typically set to distinguish different credit ratings. For a simple binary classification problem (such as judging high or low credit risk), the commonly used threshold is 0.5. If the probability output by the model is greater than 0.5, the sample is considered to belong to the positive class (such as low credit risk); if it is less than 0.5, it is considered to belong to the negative class (such as high credit risk).

[0069] For a multi-classification problem (such as classifying credit ratings into multiple levels like A, B, C, D, etc.), multiple thresholds need to be set or other strategies (such as one-vs-all classification method, softmax regression, etc.) are adopted to determine the credit rating to which the sample belongs.

[0070] Use the logistic regression model to predict the input features and obtain the probability of each sample belonging to each class. For a binary classification problem, this will be a single probability value between 0 and 1; for a multi-classification problem, this will be a probability vector, where each element represents the probability of the sample belonging to the corresponding class.

[0071] Compare the calculated probabilities with the set thresholds to determine the credit rating to which the sample belongs.

[0072] (5) Output Results:

[0073] In some cases, in addition to outputting the final credit rating, the probability values calculated by the model can also be output for further analysis or decision-making use.

[0074] Based on the comparison results, output the credit rating to which each sample belongs. This can be simple text labels (such as "Grade A", "Grade B", etc.) or numerical codes (such as 1 represents Grade A, 2 represents Grade B, etc.).

[0075] According to the need, convert the output result format into an easy-to-understand format. For example, a table or report containing sample IDs, input features, predicted probabilities, and credit ratings can be generated.

[0076] Provide explanations or suggestions for the output credit ratings to help decision-makers understand the results and take corresponding actions. In addition, the model can be further optimized and adjusted according to actual business needs and feedback.

[0077] (6) Real-time Detection and Early Warning Mechanism

[0078] Establish a risk assessment model to conduct risk scoring and classification management for bill operations.

[0079] Real-time monitor abnormal behaviors during the bill transfer process, such as frequent transfers, overdue non-payment, etc., and trigger the early warning mechanism.

[0080] Dock with the risk management system of financial institutions to achieve the sharing and collaborative prevention and control of risk information.

[0081] System compatibility and integration module: Adopt standardized data formats and communication protocols to ensure the accurate transmission and parsing of information between different systems. Establish an interface docking mechanism between systems to achieve real-time synchronization and update of information. Provide API interfaces and SDK development toolkits to facilitate the integration and customized development of financial institutions and enterprises. It can solve the compatibility problems between different financial institutions and enterprise ECDS systems, achieve seamless docking and sharing of information. This module can ensure the consistency of data formats and communication protocols between different systems and improve the overall operation efficiency of the system.

[0082] In one or more embodiments of the present invention, the auxiliary function module includes: enterprise information management and participant management module, bill splitting, transfer and subcontracting management module, automated prompt payment and liquidation process optimization module, recourse process optimization and online liquidation module, and registration custody and payment credit optimization module. The above modules are described in detail below:

[0083] Enterprise information management and participant management module: Mainly used to manage enterprise information and business participants in the supply chain financial acceptance bill business. It allows access institutions (such as banks or financial institutions) to submit relevant information of enterprises to the clearing house, and the clearing house establishes enterprise-type business participant information after verification. This helps to uniformly manage and optimize business processes and ensure the accuracy and integrity of information.

[0084] It has the following functions:

[0085] Enterprise information reporting and maintenance: Enterprises can submit relevant information, such as enterprise qualifications and business types, through access institutions.

[0086] Business participant management: Manage various participants in the supply chain financial acceptance bill business, including enterprises, banks, financial institutions, etc.

[0087] Permission management: Assign corresponding permissions to different business participants to ensure information security and business compliance.

[0088] Bill splitting, transfer and subcontracting management module: Drawing on the idea of supply chain bills, it realizes the splitting, transfer and subcontracting management of bills. It allows enterprises to split bills according to business needs and flexibly conduct transfer and subcontracting management, thus improving the flexibility and usability of bills.

[0089] It has the following functions:

[0090] Bill splitting: Large bills can be split into small bills to meet different business needs.

[0091] Bill Circulation: Supports the flexible circulation of bills in the supply chain to ensure the efficient utilization of funds.

[0092] Sub - contract Management: Manages the sub - contracts of the split bills for easy tracking and monitoring.

[0093] Automated Presentment for Payment and Clearing Process Optimization Module. This module optimizes the presentment for payment and clearing processes of bills, achieving the functions of automatically initiating and automatically responding when bank acceptance bills are due, as well as automatically initiating presentment for payment applications for commercial acceptance bills according to the held bill packages on the due date. This significantly improves the clearing efficiency and reduces costs.

[0094] Has the following functions:

[0095] Automated Presentment for Payment: When bank acceptance bills are due, the system automatically initiates a presentment for payment application and automatically responds to the acceptor's response.

[0096] Batch Clearing: Sets up a "batch clearing special account" in the bill exchange to implement the "receive first and pay later" batch clearing process and optimize the clearing efficiency.

[0097] Failure Retry Mechanism: For bills with failed batch clearing, the system automatically initiates a retry to ensure the safety and timely arrival of funds.

[0098] Recourse Process Optimization and Online Clearing Module. This module optimizes the bill recourse process, enabling the holder of the discounted bill to directly initiate recourse to the prior party after failing to recover online from the discounting bank. At the same time, a new online clearing method for recourse before discounting is added to improve the recourse efficiency.

[0099] Has the following functions:

[0100] Recourse Process Optimization: Allows the holder of the discounted bill to directly initiate recourse to the prior party, reducing intermediate links.

[0101] Online Clearing: A new online clearing method for recourse before discounting is added to improve the clearing efficiency.

[0102] Sub - contract Repayment Application: The respondent can initiate an application for agreeing to repay the sub - contract of the bill package for which recourse is initiated, facilitating management and execution.

[0103] Registration Custody and Payment Credit Optimization Module. This module optimizes the bill registration custody function and the payment credit query function. It adds a function to revoke the "non - transferable" mark for electronic bills and moves the traditional business of the discounting bank issuing a conditional discount guarantee letter to the credit - enhanced party from offline to online. At the same time, it optimizes the statistical logic of the acceptor's payment credit to promote the application of payment credit query.

[0104] Has the following functions:

[0105] Registration and custody optimization: Added the function of revoking the "non-transferable" mark on electronic bills to improve the flexibility of bills.

[0106] Online Discount Guarantee: Move the discount guarantee business from offline to online to improve business efficiency.

[0107] Payment credit optimization: optimize the statistical logic of the acceptor's payment credit, promote the application of payment credit inquiry, and improve the market constraints on acceptance credit.

[0108] Embodiment 2

[0109] like Figure 2 As shown, this embodiment provides an ECDS method based on supply chain financial acceptance bills, including:

[0110] Step 1: System initialization and access. Before using the ECDS system, the enterprise needs to open an account at a bank that has been connected to ECDS and activate the online banking function. Subsequently, the enterprise needs to apply to the bank to activate the electronic bill function module in the online banking in order to carry out electronic bill business operations.

[0111] Step 1.1: The enterprise submits an application to the bank where it opens an account, requesting the activation of online banking and electronic bill function modules.

[0112] Step 1.2: The bank reviews the enterprise's qualifications and opens online banking and electronic bill function modules.

[0113] Step 1.3: The enterprise logs in to the online banking and performs initial settings for the electronic bill function module.

[0114] Step 2: Bill issuance. Bill issuance is one of the core functions of the ECDS system, including bill issuance information registration, acceptance business, bill collection reminder and bill collection.

[0115] Step 2.1: Registration of bill issuance information: The enterprise logs in to the online banking, selects Bill Business -> Electronic Bill Issuance -> Registration of Bill Issuance Information, and fills in the bill information, including the bill type (bank acceptance bill or commercial acceptance bill), issuer information, payee information, issue date, expiration date, etc.

[0116] Step 2.2: Acceptance business: The drawee submits an acceptance application, and the acceptor (bank or financial company) reviews the application and accepts the bill after passing the review.

[0117] Step 2.3: Prompt for bill collection: The drawer sends a request for prompt for bill collection to the payee. After the payee confirms, the bill status changes to "Prompt for bill collection has been signed".

[0118] Step 3: Bill circulation. Bill circulation includes endorsement transfer, discount business and other links. It is an important process for the transmission and use of bills in the supply chain.

[0119] Step 3.1: Endorsement Transfer: The holder logs in to the online banking system, selects the endorsement transfer function, and fills in the information of the endorsee. The system generates an endorsement transfer application, which is submitted after the holder confirms it. The endorsee logs in to the online banking system to confirm the endorsement transfer application, and the status of the bill changes to "Endorsement Received".

[0120] Step 3.2: Discounting Business: The holder submits a discounting application to the opening bank, filling in the types of discount, interest rate, account information, etc. The bank reviews the discounting application and, after approval, processes the discounting procedures and transfers the discounted funds to the holder's account.

[0121] Step 4: Bill Maturity Processing. Bill maturity processing includes links such as presenting for payment and settlement, which is the last stage of the bill life cycle.

[0122] Step 4.1: Presenting for Payment: The holder logs in to the online banking system within 10 days before or after the bill maturity date, selects the presenting for payment function, and sends a presenting for payment application to the acceptor. After receiving the presenting for payment application, the acceptor reviews it and processes the payment procedures.

[0123] Step 4.2: Settlement: The acceptor transfers the funds to the holder's account to complete the settlement process. The system updates the bill status to "Bill Settled".

[0124] Step 5: Recourse Process. During the process of bill circulation, if the acceptor refuses to make payment or is unable to make payment, the holder has the right to recourse against the endorser, drawer and other prior parties.

[0125] Step 5.1: Initiating Recourse: The holder logs in to the online banking system, selects the recourse function, and fills in the recourse application, including the recourse object, recourse amount, etc. The system generates a recourse application, which is submitted after the holder confirms it.

[0126] Step 5.2: Recourse Response: The recourse obligor logs in to the online banking system, views the recourse application, and selects to agree or refuse the recourse according to the actual situation. If agreeing to the recourse, the recourse obligor needs to handle the payment procedures; if refusing the recourse, reasons need to be stated.

[0127] Step 5.3: Handling of Recourse Results: The system updates the bill status and recourse records according to the response results of the recourse obligor.

[0128] Step 6: The ECDS system also provides some other auxiliary functions, such as bill inquiry, bill printing, etc., to meet the diverse needs of enterprises.

[0129] Step 6.1: Bill Inquiry: The enterprise logs in to the online banking system, selects the bill inquiry function, and enters the inquiry conditions (such as bill number, issue date, etc.) for inquiry. The system returns a list of bill information that meets the conditions for the enterprise to view.

[0130] Step 6.2: Bill Printing: The enterprise selects the bill information to be printed and clicks the print button. The system generates a bill print preview page, and the enterprise can perform the printing operation as needed.

[0131] The ECDS system designed by the present invention adopts various security technical means, such as electronic signature, encryption, etc., to ensure the authenticity and immutability of acceptance bills and improve the security of transactions.

[0132] Embodiment III

[0133] This embodiment provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, it implements the steps in the ECDS method based on supply chain finance acceptance bills as described in Embodiment I above.

[0134] Those skilled in the art should understand that the embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of hardware embodiments, software embodiments, or embodiments combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories and optical memories, etc.) containing computer-usable program code.

[0135] The present invention is described with reference to the flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, as well as the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for implementing the specified functions in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0136] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device that implements the specified functions in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0137] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus, so that a series of operation steps are performed on the computer or other programmable apparatus to produce a computer-implemented process, thereby providing instructions for implementing the functions specified in one process or more processes and / or boxes Figure 1 one process or more processes and / or boxes Figure 1 steps for implementing the functions specified in one box or more boxes.

[0138] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above methods. Among them, the storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM), etc.

[0139] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. An ECDS system based on supply chain financial acceptance bills, characterized in that: include: A core processing module, the core processing module comprising: The risk prevention and control module is used to obtain user information, perform preprocessing and feature conversion, obtain input feature vectors, use linear models based on the input feature vectors, obtain output feature vectors; use logistic regression models based on the output feature vectors to map them to probability space to obtain the predicted probability that the user belongs to each category; determine the credit rating of the user based on the predicted probability of each category combined with one or more set thresholds; generate text of user ID, input feature vectors, predicted probability and credit rating; Based on the credit rating, the user's bill business is assessed for risk, abnormal behavior in the bill circulation process is monitored, and an early warning mechanism is triggered.

2. The ECDS system based on supply chain financial acceptance bill according to claim 1 is characterized in that: The core processing module also includes: an intelligent information processing module, which is used to use OCR technology to identify text information on bills; it is used to introduce artificial intelligence and big data technology to automatically process and intelligently analyze the information of supply chain financial acceptance bills, automatically identify and verify bill information, and identify potential risk points and abnormal information.

3. The ECDS system based on supply chain financial acceptance bill according to claim 1 is characterized in that: The core processing module also includes: a system compatibility and integration module, which is used to adopt standardized data formats and communication protocols, to establish an interface docking mechanism between systems, and to provide an API interface and SDK development toolkit.

4. The ECDS system based on supply chain financial acceptance bill according to claim 1 is characterized in that: The ECDS system also includes: an auxiliary function module, which includes: an enterprise information management and participant management module, which is used to manage enterprise information and business participants in the supply chain financial acceptance bill business; allows access institutions to report relevant information of the enterprise to the bill exchange so that the bill exchange can establish enterprise-class business participant information after verification; and is used to assign corresponding permissions to different business participants.

5. The ECDS system based on supply chain financial acceptance bill according to claim 4 is characterized in that: The auxiliary function module also includes: a bill splitting circulation and subcontracting management module, which is used to split large bills into small bills; support the circulation of bills in the supply chain; and perform subcontracting management on the split bills.

6. The ECDS system based on supply chain financial acceptance bill according to claim 4 is characterized in that: The auxiliary function module also includes: an automated payment reminder and clearing process optimization module, which is used to automatically initiate a payment reminder application when a bank bill expires, and automatically respond to the acceptor's response; it is used to set up a special account for batch clearing at the bill exchange to implement a batch clearing process of first collect and then pay; for bills that fail in batch clearing, a retry is automatically initiated.

7. The ECDS system based on supply chain financial acceptance bill according to claim 4 is characterized in that: The auxiliary function module also includes: a pursuit process optimization and online settlement module, which is used to allow the holder of the discounted bill to directly initiate pursuit from the previous holder; to provide a pursuit online settlement method before discounting; and to allow the person being pursued to initiate an application for consent to settlement for the sub-package of the bill package that initiated the pursuit.

8. The ECDS system based on supply chain financial acceptance bill according to claim 4 is characterized in that: The auxiliary function module also includes: a registration custody and payment credit optimization module, which is used to provide a cancellation function for the non-transferable mark of electronic bills; to move the discount guarantee letter business from offline to online; and to optimize the statistical logic of the acceptor's payment credit.

9. An ECDS method based on supply chain financial acceptance bills, characterized in that: The ECDS system based on supply chain financial acceptance bills applied to any one of claims 1 to 8 comprises: ECDS system initialization, user accesses ECDS bank account opening and activates online banking function and electronic bill function module; The user logs in to the online banking, selects bill business → electronic bill issuance → bill issuance information registration, and fills in the bill information; the issuer submits an acceptance application, and the acceptor reviews the application and accepts the bill after the review is passed; the issuer sends a reminder to the payee to receive the bill; The holder logs in to the online banking, selects the endorsement transfer function, and fills in the endorsee's information; an endorsement transfer application is generated, and the holder confirms and submits it; the endorsee logs in to the online banking and confirms the endorsement transfer application; The holder submits a discount application to the bank where the bill is opened and fills in relevant discount information. The bank reviews the application, goes through the discount procedures after the review is passed, and transfers the discount funds to the holder's account; When the bill matures, the holder logs in to the online banking and selects the reminder payment function to send a reminder payment application to the acceptor. After receiving the reminder payment application, the acceptor reviews it and handles the payment procedures. The acceptor transfers the funds to the holder's account. During the bill circulation process, the bill holder logs in to the online banking, selects the pursuit function, fills in the pursuit application, generates the pursuit application, and submits it after the bill holder confirms it; the person being pursued logs in to the online banking, checks the pursuit application, and chooses to agree or refuse the pursuit according to the actual situation; the bill status and pursuit record are updated according to the response of the person being pursued.

10. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps in the ECDS method based on supply chain financial acceptance bills as described in any one of claim 9 are implemented.

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