Method and system for realizing financing automatic money return management by using account receivable electronic certificate
By integrating the electronic debt certificate circulation mechanism and blockchain technology, electronic debt certificates for accounts receivable are generated, which solves the problems of strong dependence on confirmation of rights, complex operation and low coordination efficiency in supply chain finance. It realizes automated repayment management and security of fund flow, and promotes the healthy development of supply chain finance.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2026-01-05
- Publication Date
- 2026-03-31
AI Technical Summary
In existing supply chain finance technologies, the confirmation mechanism is highly dependent on complex operations, the efficiency of multi-entity collaboration is low, the divisible and transferable characteristics of electronic vouchers are not adequately applied in the repayment management process, and the insufficient degree of automation is prone to human operation risks.
By integrating the circulation mechanism of electronic debt instruments and using blockchain technology to generate electronic debt instruments for accounts receivable, the freezing, circulation, and redemption of these instruments are realized. Combined with triple verification of invoice information, the repayment process is automated, reducing manual operations.
It has achieved the goal of ensuring repayment security while weakening the need for confirmation of rights, improved the efficiency of capital flow, solved bottlenecks such as difficulty in opening accounts, cumbersome operations, and poor coordination, and promoted the healthy development of supply chain finance.
Smart Images
Figure CN121766932A_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of supply chain finance technology, specifically to a method and system for achieving automatic repayment management of financing using electronic accounts receivable vouchers. Background Technology
[0002] In the field of supply chain finance services, existing technical solutions suffer from the following bottlenecks: First, the rights confirmation mechanism is highly dependent on core enterprises, increasing operational complexity; second, the efficiency of multi-entity collaboration is low, affecting the efficiency of fund transfer; furthermore, the divisible and transferable nature of electronic vouchers is insufficiently applied in repayment management; and third, insufficient automation easily leads to risks associated with manual operation. Therefore, an automated management solution is needed to optimize these technical aspects. Summary of the Invention
[0008] The purpose of this invention is to provide a method and system for automatic repayment management of financing using electronic accounts receivable vouchers. By innovatively integrating the circulation mechanism of electronic debt vouchers, it ensures repayment security while weakening the confirmation of rights, and breaks through bottlenecks such as difficulty in opening accounts, cumbersome operation, and poor coordination, thereby promoting the healthy development of supply chain finance.
[0009] To achieve the above objectives, the technical solution adopted by the present invention is as follows: A method for automatic financing collection management using electronic accounts receivable vouchers includes: S1: The supplier initiates a financing application, selects the repayment method based on vouchers, authorizes the freezing of future electronic debt instruments associated with the financing documents, and generates financing application information; S2: The financing institution disburses the loan to the supplier and adds the disbursement result to the financing application information; S3: After the core enterprise confirms receipt of goods, the supplier initiates a payment application, generates a payment settlement document containing invoice information, and supplements the financing application information with the payment settlement document; S4: Electronic debt instruments are issued by the accounts receivable voucher module. When any invoice information matches the invoice information in the payment settlement statement, the voucher is automatically frozen, and the association between the financing application information and the voucher information is established at the same time. S5: Calculate the repayment date P and transfer amount Z based on the repayment rules, generate the transfer item including interest and fees, and confirm it with the core enterprise and the supplier; S6: Upon maturity of the voucher, the payment will be automatically transferred to the financing institution. The repayment will be completed by matching the three elements of the voucher number, amount, and date. The date is the payment date, which is also the supplier's repayment date.
[0010] Furthermore, the freezing mentioned in S1 means that after freezing, the existing functions of the voucher cannot be performed, including circulation and refinancing.
[0011] Furthermore, the accounts receivable voucher module described in S4 utilizes blockchain technology to generate electronic accounts receivable vouchers based on the real trade contract relationship and creditor-debtor relationship between suppliers and core enterprises, and performs splitting, circulation, and redemption, while providing voucher transfer acceptance function.
[0012] Furthermore, the invoice information described in S4 includes the invoice number, the buyer's name, and the seller's name.
[0013] Furthermore, the formula for calculating the repayment date P as described in S5 is as follows: P=T+X Where T is the date of receipt of the voucher and X is the preset number of working days.
[0014] Furthermore, the calculation rules for the transfer amount Z described in S5 include: When ∑(R / FR) ≤ V, Z = R + interest; When ∑(R / FR)>V, if the invoice information in S4 is completely matched and the quantity is the same, then Z=R+interest; otherwise, Z=total invoice amount corresponding to the financing application information×FR+interest. Where R is the principal to be repaid, FR is the loan-to-value ratio, and V is the voucher amount.
[0015] Furthermore, the transfer items described in S5 include: Recipient: Financing institution; Transfer amount Z; Voucher expiry date: Repayment date; Note: The financing application document number associated with voucher S4.
[0016] Furthermore, the formula for calculating interest and fees as described in S5 is as follows: Interest = (Loan Amount - Repaid Principal) × Financing Interest Rate × Financing Days / 360 in: The loan amount, financing interest rate, and principal repaid are derived from the financing application information; Financing days = Repayment date P in S5 - Financing start date in financing application information.
[0017] Another objective of this invention is to provide a system for automatic financing collection management using electronic accounts receivable vouchers. This system executes a method for automatic financing collection management using electronic accounts receivable vouchers, comprising: Supplier financing module: Used to process supplier financing applications and repayment instructions, and communicates bidirectionally with the core enterprise settlement module and accounts receivable voucher module; Core Enterprise Settlement Module: Used to generate payment settlement documents and trigger voucher opening instructions. Its input end is connected to the supplier financing module, and its output end is connected to the accounts receivable voucher module. Accounts Receivable Voucher Module: Generates and manages electronic vouchers based on blockchain technology, receives opening instructions from the core enterprise settlement module and returns the frozen status to the supplier financing module, and exchanges transfer and payment data with the financing institution processing module. Financing Institution Processing Module: Receives repayment instructions from the Supplier Financing Module and transfer items from the Accounts Receivable Voucher Module, performs repayment matching, and then reports the status back to the Supplier Financing Module.
[0018] Furthermore, the connection between the core enterprise settlement module and the accounts receivable voucher module adopts an event-driven mechanism, which automatically triggers the voucher opening process when the payment settlement document meets the constraints. The aforementioned constraint refers to related financing documents and repayment method being voucher repayment.
[0019] In summary, the present invention has at least one of the following beneficial technical effects: By innovating and integrating the circulation mechanism of electronic debt certificates, and through intelligent freezing of certificates, targeted circulation of blockchain and triple verification of invoices, the system can ensure repayment security while weakening the need for confirmation of rights, thereby breaking through bottlenecks such as difficulty in opening accounts, cumbersome operations and poor coordination, and promoting the healthy development of supply chain finance. Through the voucher freezing and transfer mechanism, suppliers can complete repayments with zero operations, making it convenient and efficient. Triple verification of invoices based on invoice number, buyer, and seller can prevent fraud and strengthen risk control. Attached Figure Description
[0020] Figure 1 This is a flowchart of the present invention. Detailed Implementation
[0021] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention. Furthermore, the technical features involved in the various embodiments of this invention described below can be combined with each other as long as they do not conflict with each other.
[0022] This embodiment provides a method for automatic financing repayment management using electronic accounts receivable vouchers, such as... Figure 1 As shown, it includes: S1: The supplier initiates a financing application, selects the repayment method based on vouchers, authorizes the freezing of future electronic debt instruments associated with the financing documents, and generates financing application information; S2: The financing institution disburses the loan to the supplier and adds the disbursement result to the financing application information; S3: After the core enterprise confirms receipt of goods, the supplier initiates a payment application, generates a payment settlement document containing invoice information, and supplements the financing application information with the payment settlement document; S4: Electronic debt instruments are issued by the accounts receivable voucher module. When any invoice information matches the invoice information in the payment settlement statement, the voucher is automatically frozen, and the association between the financing application information and the voucher information is established at the same time. S5: Calculate the repayment date P and transfer amount Z based on the repayment rules, generate the transfer item including interest and fees, and confirm it with the core enterprise and the supplier; S6: Upon maturity of the voucher, the payment will be automatically transferred to the financing institution. The repayment will be completed by matching the three elements of the voucher number, amount, and date.
[0023] The following is a detailed description with reference to specific embodiments.
[0024] S1: The supplier initiates a financing application, selects a repayment method based on vouchers, authorizes the freezing of future electronic debt instruments associated with the financing documents, and generates financing application information.
[0025] When a supplier initiates a financing application in the supplier financing module by selecting eligible trade contracts / orders / receipt information and other documents, they choose voucher repayment as the repayment method. After signing the voucher authorization agreement, the supplier saves and generates financing application information, which is then transmitted to the financing institution's processing module for loan disbursement.
[0026] The authorization agreement for the voucher primarily involves the supplier agreeing that the voucher operating institution within the accounts receivable voucher module will issue supplier vouchers to the core enterprise. These vouchers will be frozen based on invoice information provided by the supplier financing module and used for repayment of financing. Once frozen, the vouchers cannot be used for their existing functions, including transfer or refinancing. Financing application information includes the financing application document number, trade contract / order / receipt information, financing application amount, and repayment method.
[0027] S2: The financing institution disburses the loan to the supplier and adds the disbursement result to the financing application information.
[0028] After the financing institution disburses the loan through the financing institution processing module, the supplier financing module saves the disbursement result from the financing institution processing module, awaiting subsequent repayment processing. The disbursement result contains information such as the loan amount, loan-to-value ratio, financing interest rate, financing start date, and financing maturity date, which is added to the saved financing application information.
[0029] S3: After the core enterprise confirms receipt of goods, the supplier initiates a payment application, generates a payment settlement document containing invoice information, and supplements the financing application information with the payment settlement document.
[0030] First, after the core enterprise confirms receipt of goods in the core enterprise settlement module, the supplier selects the receiving bank to initiate a payment application. The accounts receivable voucher module will determine whether the receiving bank is consistent with the receiving bank in the financing application information and whether the repayment method is voucher repayment. When the receiving bank is consistent and the repayment method is voucher repayment, a payment settlement document can be generated and transmitted to the supplier financing module to supplement the financing application information.
[0031] The payment settlement statement includes the settlement statement number, goods receipt information, financing application document number, and invoice information. The rules for generating payment settlement statements are as follows: settlements cannot be made across financing application documents; goods receipt information for the same batch following the same financing application document must be invoiced together.
[0032] Afterwards, the supplier financing module transmits the financing application document number and invoice information to the accounts receivable voucher module for storage.
[0033] S4: Electronic debt instruments are issued by the accounts receivable voucher module. When any invoice information matches the invoice information in the payment settlement statement, the voucher is automatically frozen, and a relationship is established between the financing application information and the voucher information.
[0034] If the payment method in the core enterprise's settlement module is voucher payment, the information will be automatically transmitted to the accounts receivable voucher module for the issuance of electronic receivables. The voucher information includes: voucher number, voucher amount, issuer (core enterprise), holder (supplier), voucher issuance date, voucher receipt date, voucher expiry date, and the corresponding trade background—invoice information. Invoice information includes: invoice number, invoice amount, invoice date, buyer information, seller information, and invoice tax rate.
[0035] After the electronic debt instrument is issued, the accounts receivable voucher module compares the invoice information in the voucher information with the invoice information stored in the accounts receivable voucher module in S3. If any invoice matches, the voucher is considered an electronic debt instrument specifically for financing repayment, and is immediately frozen. Freezing means that the voucher's existing functions, such as circulation or refinancing, cannot be performed.
[0036] Finally, the accounts receivable voucher module transmits the voucher information to the supplier financing module for storage, establishing a link between the financing application information and the voucher information.
[0037] The accounts receivable voucher module utilizes technologies such as blockchain to generate electronic accounts receivable vouchers based on the real trade contract relationship and creditor-debtor relationship between suppliers and core enterprises. It also splits, transfers, and redeems vouchers, and provides voucher transfer acceptance functions.
[0038] The comparison rule for a perfect match of the above invoice information is: the invoice number, the buyer's name, and the seller's name must be exactly the same.
[0039] S5: Calculate the repayment date P and transfer amount Z based on the repayment rules, generate the transfer item including interest and fees, and have it confirmed by the core enterprise and the supplier.
[0040] First, in the supplier financing module, set up a general rule for determining the repayment date, with the following calculation formula: P=T+X Where P is the repayment date, T is the receipt date, and X is the preset number of working days.
[0041] For example, P=T+2, which means that the repayment date P is two working days after the date the voucher is signed, i.e., X=2.
[0042] T: 2025 / 9 / 15, then P = 2025 / 9 / 17; If T is 2025 / 9 / 19 (Friday), then P = 2025 / 9 / 23 (next Tuesday).
[0043] Then, based on the outstanding amount and general rules in the financing application information, the repayment date is obtained. The interest calculation function of the financing institution's processing module is used to calculate the interest amount for this repayment. Finally, a transfer certificate is generated for the financial institution, saved, and transmitted to the financing institution's processing module for certificate transfer acceptance. Among these: (1) The transfer includes: Recipient: Financing institution; Transfer amount Z; Voucher expiry date: Repayment date; Note: The financing application document number associated with voucher S4.
[0044] (2) The calculation rules for the transfer amount Z include: When ∑(R / FR) ≤ V, the transfer amount Z for each financing application document is Z = R + interest; When ∑(R / FR)>V, each financing application document is processed separately: if the invoice information in S4 is completely matched and the quantity is the same, then Z=R+interest; otherwise, Z=total invoice amount corresponding to the financing application information×FR+interest. Where R is the principal to be repaid, and the principal to be repaid = loan amount - repaid principal; FR is the loan ratio; and V is the voucher amount.
[0045] (3) Interest and fee calculation formula: Interest = (Loan Amount - Repaid Principal) × Financing Interest Rate × Financing Days / 360 in: The loan amount, financing interest rate, and principal repaid are derived from the financing application information; Financing days = Repayment date P in S5 - Financing start date in financing application information.
[0046] Next, the issuer (core enterprise) and the recipient (supplier) of the voucher confirm the transfer details in the accounts receivable voucher module. The issuer confirms whether payment can be made to the recipient on day P, and the recipient confirms whether the transfer amount in the transfer item is correct. Once confirmation is complete, the accounts receivable voucher module changes the voucher status to "accepted" and transmits this status to the supplier financing module for storage.
[0047] S6: Upon maturity of the voucher, the payment will be automatically transferred to the financing institution. The repayment will be completed by matching the three elements of the voucher number, amount, and date. The date is the payment date, which is also the supplier's repayment date.
[0048] After the voucher expires, the supplier financing module initiates a repayment application to the financing institution processing module. The information includes the financing application document number, repayment amount, repayment interest and fees, and repayment date.
[0049] Following the repayment application, the accounts receivable voucher module processes the payment based on the repayment date. After receiving the funds due on the repayment date from the issuer, the module pays the financing institution through financial payment methods according to the voucher transfer details. The payment information includes the financing application document number in the remarks section. This information will appear in the remarks section of the online banking transaction record received by the financing institution.
[0050] Finally, the financing institution's processing module processes the repayment, matching the repayment application information with the online banking transaction details, deducting the repayment amount, and transmitting the repayment result to the supplier's financing module. The matching information is shown in Table 1. Table 1 Matching Information
[0051] At the same time, the supplier financing module supplements the repayment application and marks the repayment application as completed.
[0052] This embodiment also provides a system for automatic financing repayment management using electronic accounts receivable vouchers. This system executes a method for automatic financing repayment management using electronic accounts receivable vouchers, including: Supplier financing module: Used to process supplier financing applications and repayment instructions, and communicates bidirectionally with the core enterprise settlement module and accounts receivable voucher module; Core Enterprise Settlement Module: Used to generate payment settlement documents and trigger voucher opening instructions. Its input end is connected to the supplier financing module, and its output end is connected to the accounts receivable voucher module. Accounts Receivable Voucher Module: Generates and manages electronic vouchers based on blockchain technology, receives opening instructions from the core enterprise settlement module and returns the frozen status to the supplier financing module, and exchanges transfer and payment data with the financing institution processing module. Financing Institution Processing Module: Receives repayment instructions from the Supplier Financing Module and transfer items from the Accounts Receivable Voucher Module, performs repayment matching, and then reports the status back to the Supplier Financing Module.
[0053] The connection between the core enterprise settlement module and the accounts receivable voucher module adopts an event-driven mechanism. When the payment settlement document meets the constraints, the voucher opening process is automatically triggered. The constraints refer to related financing documents and the repayment method is voucher repayment.
[0054] This invention leverages the divisible and transferable characteristics of electronic accounts receivable certificates. After future accounts receivable financing occurs, the electronic accounts receivable certificates issued by the core enterprise to suppliers at the payment stage are transferred to financial institutions, which then cooperate in repayment. By innovatively integrating the transfer mechanism of electronic accounts receivable certificates, the invention ensures repayment security while reducing the burden of confirmation of rights, overcoming bottlenecks such as difficulty in opening accounts, cumbersome operations, and poor coordination, promoting the healthy development of supply chain finance, and achieving a win-win situation for core enterprises, suppliers, and financing institutions.
[0055] Embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0056] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.
[0057] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.
[0058] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.
[0059] Contents not described in detail in this specification are prior art known to those skilled in the art. It is hereby indicated that the above description is intended to help those skilled in the art understand this invention, but does not limit the scope of protection of this invention. Any equivalent substitutions, modifications, improvements, or simplifications of the above descriptions that do not depart from the essential content of this invention fall within the scope of protection of this invention.
Claims
1. A method for implementing financing automatic cashback management using electronic invoice of accounts receivable, characterized in that, The system executes the method of claim 1-8, including: S1: the supplier initiates a financing application, selects a voucher repayment method, authorizes the freezing of future electronic credit vouchers associated with the financing document, and generates financing application information; S2: the financing institution lends to the supplier and supplements the lending result to the financing application information; S3: after the core enterprise confirms the receipt, the supplier initiates a payment application, generates a payment settlement sheet containing invoice information, and supplements the payment settlement sheet to the financing application information; S4: the receivables voucher module opens an electronic credit voucher, and when any invoice information in the payment settlement sheet completely matches the invoice information in the financing application information, the voucher is automatically frozen, and an association between the financing application information and the voucher information is established; S5: based on the repayment rules, the repayment date P and the transfer amount Z are calculated, the transfer item with interest is generated, and the core enterprise and the supplier are confirmed; S6: the voucher is automatically redeemed to the financing institution on the due date, and the repayment is completed through the matching of the three elements of document number, amount, and date, where the date is the redemption date, which is also the supplier's repayment date.
2. The method for financing automatic repayment management by using the electronic voucher of receivables according to claim 1, characterized in that: The freezing in S1 means that the frozen voucher cannot perform the existing use function operations, including transfer and refinancing.
3. The method for financing automatic repayment management by using the electronic voucher of receivables according to claim 1, characterized in that: The receivables voucher module in S4 uses blockchain technology to generate electronic credit vouchers based on the real trade contract relationship and the creditor-debtor relationship between the supplier and the core enterprise, and to split, transfer, redeem, and provide voucher transfer acceptance functions.
4. The method for financing automatic repayment management by using electronic receipts of receivables according to claim 1, characterized in that: The invoice information in S4 includes invoice number, buyer name, and seller name.
5. The method for financing automatic repayment management by using electronic receipts of receivables according to claim 1, wherein, The calculation formula of the repayment date P in S5 is: P = T + X; Where T is the voucher receipt date, and X is the preset number of working days.
6. The method for financing automatic repayment management by using electronic receipts of receivables according to claim 1, wherein, The calculation rules of the transfer amount Z in S5 include: When ∑(R / FR) ≤ V, Z = R + interest; When ∑(R / FR) > V, if the invoice information in S4 completely matches and the quantity is the same, then Z = R + interest, otherwise Z = invoice amount in the financing application information × FR + interest; Where R is the principal to be repaid, FR is the loan ratio, and V is the voucher amount.
7. The method for financing and automatic cash management by using the electronic voucher of receivables according to claim 1, wherein, The transfer item in S5 includes: Recipient: financing institution; Transfer amount Z; Voucher expiration date: repayment date; Remark: S4 voucher associated financing application document number.
8. The method for financing and automatic cash management by using the electronic voucher of receivables according to claim 1, wherein, The calculation formula of the interest in S5 is: Interest = (loan amount - repaid principal) × financing interest rate × financing days / 360 Where: The loan amount, financing interest rate, and repaid principal come from the financing application information; The financing days = P in S5 - financing start date in the financing application information.
9. A system for implementing financing and automatic remittance management using electronic evidences of receivables, characterized by, The system executes the method of claim 1-8, including: Supplier financing module: used for processing supplier financing application and repayment instructions, and communicating with the core enterprise settlement module and the receivables voucher module; Core enterprise settlement module: used for generating a payment settlement sheet and triggering a voucher opening instruction, with its input connected to the supplier financing module and its output connected to the receivables voucher module; The accounts receivable certificate module generates and manages electronic certificates based on blockchain technology, receives the opening instruction of the core enterprise settlement module, returns the frozen state to the supplier financing module, and exchanges transfer and redemption data with the financing agency processing module; The financing agency processing module receives the repayment instruction of the supplier financing module and the transfer item of the accounts receivable certificate module, and feeds back the state to the supplier financing module after executing the repayment matching.
10. The system for realizing financing automatic repayment management by using accounts receivable electronic certificates according to claim 9, characterized in that: The connection between the core enterprise settlement module and the accounts receivable certificate module adopts an event-driven mechanism, and when the payment settlement order meets the constraint condition, the certificate opening process is automatically triggered; The constraint condition refers to the associated financing documents and the certificate repayment mode.