Supply chain bill asset securitization system based on block chain technology

Abstract

The invention provides a supply chain bill asset securitization system based on a block chain technology, and relates to the field of electrical digital data processing, the supply chain bill asset securitization system comprises a user management module, a trust management module, a financing application module and a block chain recording module, the trust management module is used for auditing and managing the securitization process, the financing application module is used for carrying out security subscription processing on investors, and the block chain recording module is used for recording and keeping security operation information; the system utilizes block chain decentralization and transparency to improve the security and efficiency of bill asset securitization, supports cross-system and multi-party cooperation, and realizes whole-course digital management of supply chain bills.

Description

Technical Field

[0001] The present invention relates to the field of electronic digital data processing, and in particular to a supply chain bill asset securitization system based on blockchain technology. Background Art

[0002] With the rapid development of supply chain finance, enterprises are increasingly demanding financing based on debt assets such as accounts receivable and bills. Supply chain bill asset securitization, as an effective financing method, can transform illiquid receivables into standardized securities products, broadening corporate financing channels, reducing financing costs, and improving asset turnover efficiency. However, the traditional supply chain bill asset securitization process relies on centralized institutions for information registration, review, and fund management. This results in low information transparency and is prone to risks such as data falsification, duplicate pledges, and opaque operations, seriously impacting investor confidence and asset quality. Therefore, a system is needed to achieve intelligent, secure, and standardized bill asset securitization.

[0003] The foregoing discussion of the background art is intended only to facilitate an understanding of the present invention. This discussion does not acknowledge or admit that any of the material referred to is part of the common general knowledge.

[0004] Many securitization systems have been developed. After extensive research and reference, I discovered existing systems, such as the one disclosed in Publication No. CN112508708B. These systems generally utilize the blockchain system's MSPID query API to verify the identities of participating institutions. Drawing on the endorsement logic of commercial bills, they design a series of data objects and algorithms centered around electronic bills. These data objects circulate electronic bills between participating institutions in two endorsement states: "in transit" and "accounted." This simulates the cash flow collection, transfer, and distribution process within the securitization collection channel. However, these systems fail to guarantee the security of securitized bills, making them prone to financial problems. Summary of the Invention

[0005] The purpose of this invention is to address the existing deficiencies and propose a supply chain bill asset securitization system based on blockchain technology.

[0006] The present invention adopts the following technical solutions: A supply chain bill asset securitization system based on blockchain technology, including a user management module, a trust management module, a financing application module and a blockchain recording module; The user management module is used to manage the bill information of corporate users, the trust management module is used to review and manage the securitization process, the financing application module is used to process securities subscriptions for investors, and the blockchain recording module is used to record and preserve securities operation information; The user management module includes an enterprise registration unit, a bill management unit, and a securities management unit. The enterprise registration unit is used to register basic enterprise information, the bill management unit is used to manage the bill information owned by the enterprise, and the securities management unit is used by the enterprise to perform securitization operations and manage the securities information of successful securitization; The trust management module includes an application processing unit, a bill review unit, and a fund management unit. The application processing unit is used to accept and process securitization applications from corporate users, the bill review unit is used to review and process the contents of the securitized bills, and the fund management unit is used to manage the financing funds after successful securitization. The financing application module includes a securities issuance unit, a securities subscription unit, and a transaction execution unit. The securities issuance unit is used to issue securities information that has passed the review. The securities subscription unit is used to select securities information to be purchased. The transaction execution unit is used to execute securities transactions. The blockchain recording module includes an information cache unit, a securities encoding unit and a transaction recording unit. The information cache unit is used to store pre-securitization operation information, the securities encoding unit is used to encode successfully securitized projects, and the transaction recording unit uses blockchain technology to record project information and subsequent transaction information.

[0007] Furthermore, the bill review unit includes a compliance review processor, a credit assessment processor and a risk screening processor. The compliance review processor is used to verify the legal compliance of the bill, the credit assessment processor is used to assess the credit status of the enterprise and the bill debtor, and the risk screening processor is used to check whether the bill has fraud, repeated pledge, and expiration risks.

[0008] Furthermore, the credit evaluation processor calculates the credit value P1 of the enterprise according to the following formula: ; Among them, S represents the business stability of the enterprise, R represents the compliance rate of the enterprise, F represents the debt-to-asset ratio of the enterprise, and k is the coordination coefficient of the enterprise; The credit evaluation processor calculates the debtor's credit value P2 according to the following formula: ; Among them, Q represents the debtor's cash capacity, H represents the debtor's bill payment timeliness rate, E represents the development potential of the debtor's industry, and v is the debt coordination coefficient.

[0009] Furthermore, the risk screening processor calculates the bill's failure risk value X according to the following formula: ; Among them, P 2irepresents the credit value of the debtor of the i-th bill, represents the proportion of the i-th note amount to the total note amount, and n is the number of notes packaged in the securitization project; When the failure risk value exceeds the risk threshold, the securitization project will be directly rejected.

[0010] Furthermore, the transaction recording unit includes an on-chain write processor, a multi-node consensus processor and a transaction query processor. The on-chain write processor is used to package process data such as securities issuance, subscription and transaction on the chain; the multi-node consensus processor is used for multi-node verification and consensus confirmation of transaction information; and the transaction query processor is used to support blockchain-based transaction history query and tracing.

[0011] The beneficial effects achieved by the present invention are: This system records key operational information such as bill registration, securities issuance, and subscription transactions synchronously on the blockchain, realizing the on-chain storage of data throughout the entire process, effectively preventing information forgery and tampering, and improving the transparency and credibility of the asset securitization process. When reviewing securitization applications, credit calculations are performed on the applicant company and the bill debtor separately, and then comprehensive processing is performed to provide security guarantees for the officially issued bonds.

[0012] To further understand the features and technical contents of the present invention, please refer to the following detailed description and drawings of the present invention. However, the drawings provided are only for reference and illustration and are not intended to limit the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 It is a schematic diagram of the overall structural framework of the present invention; Figure 2 This is a schematic diagram of the user management module of the present invention; Figure 3 This is a schematic diagram of the trust management module of the present invention; Figure 4 This is a schematic diagram of the financing application module of the present invention; Figure 5 This is a schematic diagram of the blockchain recording module of the present invention; Figure 6 Schematic diagram comparing the multi-dimensional effects of the present invention and the conventional system. DETAILED DESCRIPTION

[0014] The following is an explanation of the embodiments of the present invention through specific embodiments. Those skilled in the art can understand the advantages and effects of the present invention from the contents disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and the details in this specification can also be modified and changed in various ways based on different viewpoints and applications without departing from the spirit of the present invention. In addition, the drawings of the present invention are only simple schematic illustrations and are not depicted in actual size. It is stated in advance. The following embodiments will further explain the relevant technical content of the present invention in detail, but the disclosed content is not intended to limit the scope of protection of the present invention.

[0015] Example 1: This example provides a supply chain bill asset securitization system based on blockchain technology, combined with Figure 1 , including user management module, trust management module, financing application module and blockchain record module; The user management module is used to manage the bill information of corporate users, the trust management module is used to review and manage the securitization process, the financing application module is used to process securities subscriptions for investors, and the blockchain recording module is used to record and preserve securities operation information; The user management module includes an enterprise registration unit, a bill management unit, and a securities management unit. The enterprise registration unit is used to register basic enterprise information, the bill management unit is used to manage the bill information owned by the enterprise, and the securities management unit is used by the enterprise to perform securitization operations and manage the securities information of successful securitization; The trust management module includes an application processing unit, a bill review unit, and a fund management unit. The application processing unit is used to accept and process securitization applications from corporate users, the bill review unit is used to review and process the contents of the securitized bills, and the fund management unit is used to manage the financing funds after successful securitization. The financing application module includes a securities issuance unit, a securities subscription unit, and a transaction execution unit. The securities issuance unit is used to issue securities information that has passed the review. The securities subscription unit is used to select securities information to be purchased. The transaction execution unit is used to execute securities transactions. The blockchain recording module includes an information cache unit, a securities encoding unit and a transaction recording unit. The information cache unit is used to store pre-securitization operation information, the securities encoding unit is used to encode successfully securitized projects, and the transaction recording unit uses blockchain technology to record project information and subsequent transaction information.

[0016] The bill review unit includes a compliance review processor, a credit assessment processor and a risk screening processor. The compliance review processor is used to verify the legal compliance of the bill, the credit assessment processor is used to assess the credit status of the enterprise and the bill debtor, and the risk screening processor is used to check whether the bill has fraud, repeated pledge, and expiration risks.

[0017] The credit evaluation processor calculates the enterprise's credit value P1 according to the following formula: ; Among them, S represents the business stability of the enterprise, R represents the compliance rate of the enterprise, F represents the debt-to-asset ratio of the enterprise, and k is the coordination coefficient of the enterprise; The credit evaluation processor calculates the debtor's credit value P2 according to the following formula: ; Among them, Q represents the debtor's cash capacity, H represents the debtor's bill payment timeliness rate, E represents the development potential of the debtor's industry, and v is the debt coordination coefficient.

[0018] The risk screening processor calculates the bill's failure risk value X according to the following formula: ; Among them, P 2i represents the credit value of the debtor of the i-th bill, represents the proportion of the i-th note amount to the total note amount, and n is the number of notes packaged in the securitization project; When the failure risk value exceeds the risk threshold, the securitization project will be directly rejected.

[0019] The transaction recording unit includes an on-chain write processor, a multi-node consensus processor and a transaction query processor. The on-chain write processor is used to package process data such as securities issuance, subscription and transaction on the chain; the multi-node consensus processor is used to verify and confirm transaction information by multiple nodes; and the transaction query processor is used to support blockchain-based transaction history query and tracing.

[0020] Example 2: This example includes all the contents of Example 1 and provides a supply chain bill asset securitization system based on blockchain technology, including a user management module, a trust management module, a financing application module, and a blockchain recording module; The user management module is used to manage the bill information of corporate users, the trust management module is used to review and manage the securitization process, the financing application module is used to process securities subscriptions for investors, and the blockchain recording module is used to record and preserve securities operation information; Combine Figure 2The user management module includes an enterprise registration unit, a bill management unit, and a securities management unit. The enterprise registration unit is used to register basic enterprise information, the bill management unit is used to manage the bill information owned by the enterprise, and the securities management unit is used by the enterprise to perform securitization operations and manage the securities information of successful securitization; Combine Figure 3 The trust management module includes an application processing unit, a bill review unit, and a fund management unit. The application processing unit is used to accept and process the securitization application of the enterprise user, the bill review unit is used to review and process the content of the securitized bill, and the fund management unit is used to manage the financing funds after the securitization is successful; Combine Figure 4 The financing application module includes a securities issuance unit, a securities subscription unit, and a transaction execution unit. The securities issuance unit is used to issue securities information that has passed the review, the securities subscription unit is used to select securities information to be purchased, and the transaction execution unit is used to execute securities transactions; Combine Figure 5 The blockchain recording module includes an information cache unit, a securities encoding unit, and a transaction recording unit. The information cache unit is used to store pre-securitization operation information, the securities encoding unit is used to encode successfully securitized projects, and the transaction recording unit uses blockchain technology to record project information and subsequent transaction information. The enterprise registration unit includes an information collection processor, an audit and verification processor, and an account management processor. The information collection processor is used to collect basic information of the enterprise, the audit and verification processor is used to verify the authenticity of the basic information of the enterprise, and the account management processor is used to create and manage the account information of the enterprise; The bill management unit includes a bill registration processor, a bill verification processor, and a bill update processor. The bill registration processor is used to register the bill data held by the enterprise, the bill verification processor is used to verify the authenticity of the bill, and the bill update processor is used to update and record the status of the bill; The securities management unit includes a securities application processor, a securities information management processor, and a securities operation processor. The securities application processor is used to submit bill information to initiate a securitization request. The securities information management processor is used to store and display basic information after securities are issued. The securities operation processor is used to select securities and perform operations. The application processing unit includes an application receiving processor, an audit assignment processor, and a progress tracking processor. The application receiving processor is used to receive securitization application documents submitted by an enterprise. The audit assignment processor is used to assign the application documents to corresponding auditors for audit. The progress tracking processor is used to track the progress of the audit process and push it to the enterprise. The bill review unit includes a compliance review processor, a credit assessment processor, and a risk screening processor. The compliance review processor is used to verify the legal compliance of the bill, the credit assessment processor is used to assess the credit status of the enterprise and the bill debtor, and the risk screening processor is used to check whether the bill has fraud, repeated pledge, or invalidation risks. The credit evaluation processor calculates the enterprise's credit value P1 according to the following formula: ; Among them, S represents the business stability of the enterprise, R represents the compliance rate of the enterprise, F represents the debt-to-asset ratio of the enterprise, and k is the coordination coefficient of the enterprise; The credit evaluation processor calculates the debtor's credit value P2 according to the following formula: ; Among them, Q represents the debtor's cash capacity, H represents the debtor's bill payment timeliness rate, E represents the development of the debtor's industry, and v is the debt coordination coefficient; The risk screening processor calculates the bill's failure risk value X according to the following formula: ; Among them, P 2i represents the credit value of the debtor of the i-th bill, represents the proportion of the i-th note amount to the total note amount, and n is the number of notes packaged in the securitization project; When the failure risk value exceeds the risk threshold, the securitization project will be directly rejected; The fund management unit includes a financing account creation processor, a fund flow monitoring processor, and a profit distribution processor. The financing account creation processor is used to create a dedicated financing account for each securitization project. The fund flow monitoring processor is used to monitor the flow of financing funds. The profit distribution processor is used to automatically liquidate and distribute profits according to the agreement. The securities issuance unit includes an issuance plan generation processor, an issuance announcement processor, and an issuance information register. The issuance plan generation processor is used to specify a securities issuance plan, the issuance announcement processor is used to publish a securities issuance announcement, and the issuance information register is used to update and store securities issuance status information in real time. The securities subscription unit includes a qualification screening processor, a subscription application processor, and a subscription payment processor. The qualification screening processor is used to screen qualified investors, the subscription application processor is used to process subscription applications submitted by investors and lock shares, and the subscription payment processor is used to connect to the payment system to complete the subscription payment and confirm the receipt of the funds. The transaction execution unit includes a contract generation processor, a transaction matching processor, and a clearing and delivery processor. The contract generation processor is used to generate a standardized transaction contract and push it to investors for signature. The transaction matching processor completes securities unit matching based on the contract. The clearing and delivery processor is used to complete the delivery of funds and securities units and the transfer of ownership. The information cache unit includes a pre-processing cache processor, a data consistency verification processor, and a cache synchronization processor. The pre-processing cache processor is used to store temporary operation data before securitization. The data consistency verification processor is used to ensure that the cached data is consistent with the final securitized data. The cache synchronization processor is used to synchronize the stored cached data after formal securitization to the blockchain for storage; The securities coding unit includes a unique code generator, a code mapping processor, and a code storage processor. The unique code generator is used to generate a unique identifier for the securitization project. The code mapping processor is used to establish a mapping relationship between the securities code and the actual asset pool bill information. The code storage processor is used to save the securities code information to the blockchain. The transaction recording unit includes an on-chain write processor, a multi-node consensus processor, and a transaction query processor. The on-chain write processor is used to package process data such as securities issuance, subscription, and transaction on the chain; the multi-node consensus processor is used to verify and confirm transaction information through multi-node consensus; and the transaction query processor is used to support blockchain-based transaction history query and tracing; The i appearing in the above text is an ordinal number used to indicate a sequence number and has no actual meaning.

[0021] Some code information of this system is as follows: class UserManagementModule: def __init__(self): self.registered_enterprises = {} def enterprise_register(self, enterprise_id, info): self.registered_enterprises[enterprise_id] = info print(f"Enterprise {enterprise_id} registered.") def manage_bills(self, enterprise_id, bill_info): print(f"Managing bill for {enterprise_id}: {bill_info}") def manage_securities(self, enterprise_id, security_info): print(f"Managing security for {enterprise_id}: {security_info}") class TrustManagementModule: def __init__(self): self.applications = [] def process_application(self, application_data): self.applications.append(application_data) print("Application received.") def audit_bills(self, bill_data): print(f"Auditing bill: {bill_data}") def manage_funds(self, project_id, fund_info): print(f"Managing funds for project {project_id}: {fund_info}") class FinancingApplicationModule: def __init__(self): self.securities = [] def issue_security(self, security_data): self.securities.append(security_data) print("Security issued.") def subscribe_security(self, investor_id, security_id): print(f"Investor {investor_id} subscribed to {security_id}") def execute_trade(self, trade_data): print(f"Trade executed: {trade_data}") class BlockchainRecordModule: def __init__(self): self.ledger = [] def cache_operation(self, op_data): print(f"Cached pre-issuance operation: {op_data}") def encode_security(self, security_id): encoded = f"SEC-{hash(security_id)}" print(f"Security encoded: {encoded}") return encoded def record_transaction(self, tx_data): self.ledger.append(tx_data) print(f"Transaction recorded on chain: {tx_data}").

[0022] Comparing this system with the common system, we can get Figure 6 The effect comparison chart is shown.

[0023] The contents disclosed above are only preferred feasible embodiments of the present invention and do not limit the scope of protection of the present invention. Therefore, all equivalent technical changes made using the contents of the present invention description and drawings are included in the scope of protection of the present invention. In addition, the elements therein can be updated as technology develops.

Claims

1. A supply chain bill asset securitization system based on blockchain technology, characterized by: Including user management module, trust management module, financing application module and blockchain record module; The user management module is used to manage the bill information of corporate users, the trust management module is used to review and manage the securitization process, the financing application module is used to process securities subscriptions for investors, and the blockchain recording module is used to record and preserve securities operation information; The user management module includes an enterprise registration unit, a bill management unit, and a securities management unit. The enterprise registration unit is used to register basic enterprise information, the bill management unit is used to manage the bill information owned by the enterprise, and the securities management unit is used by the enterprise to perform securitization operations and manage the securities information of successful securitization; The trust management module includes an application processing unit, a bill review unit, and a fund management unit. The application processing unit is used to accept and process securitization applications from corporate users, the bill review unit is used to review and process the contents of the securitized bills, and the fund management unit is used to manage the financing funds after successful securitization. The financing application module includes a securities issuance unit, a securities subscription unit, and a transaction execution unit. The securities issuance unit is used to issue securities information that has passed the review. The securities subscription unit is used to select securities information to be purchased. The transaction execution unit is used to execute securities transactions. The blockchain recording module includes an information cache unit, a securities encoding unit and a transaction recording unit. The information cache unit is used to store pre-securitization operation information, the securities encoding unit is used to encode successfully securitized projects, and the transaction recording unit uses blockchain technology to record project information and subsequent transaction information.

2. A supply chain bill asset securitization system based on blockchain technology as claimed in claim 1, characterized in that: The bill review unit includes a compliance review processor, a credit assessment processor and a risk screening processor. The compliance review processor is used to verify the legal compliance of the bill, the credit assessment processor is used to assess the credit status of the enterprise and the bill debtor, and the risk screening processor is used to check whether the bill has fraud, repeated pledge, and expiration risks.

3. The supply chain bill asset securitization system based on blockchain technology as claimed in claim 2, characterized in that: The credit evaluation processor calculates the enterprise's credit value P1 according to the following formula: ； Among them, S represents the business stability of the enterprise, R represents the compliance rate of the enterprise, F represents the debt-to-asset ratio of the enterprise, and k is the coordination coefficient of the enterprise; The credit evaluation processor calculates the debtor's credit value P2 according to the following formula: ； Among them, Q represents the debtor's cash capacity, H represents the debtor's bill payment timeliness rate, E represents the development potential of the debtor's industry, and v is the debt coordination coefficient.

4. A supply chain bill asset securitization system based on blockchain technology as claimed in claim 3, characterized in that: The risk screening processor calculates the bill's failure risk value X according to the following formula: ； Among them, P 2i represents the credit value of the debtor of the i-th bill, represents the proportion of the i-th note amount to the total note amount, and n is the number of notes packaged in the securitization project; When the failure risk value exceeds the risk threshold, the securitization project will be directly rejected.

5. The supply chain bill asset securitization system based on blockchain technology as claimed in claim 1, characterized in that: The transaction recording unit includes an on-chain write processor, a multi-node consensus processor and a transaction query processor. The on-chain write processor is used to package process data such as securities issuance, subscription and transaction on the chain; the multi-node consensus processor is used to verify and confirm transaction information by multiple nodes; and the transaction query processor is used to support blockchain-based transaction history query and tracing.

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