A T+7 rigid payment settlement system, method and computer readable storage medium

Abstract

This invention discloses a T+7 rigid payment settlement system, method, and computer-readable storage medium. The system constructs a rigid payment engine based on blockchain smart contracts to achieve strict T+7 cycle control from "confirmation of settlement amount and supplier uploading of invoice" to automatic payment. It employs a multi-dimensional credit assessment model to dynamically adjust supplier payment terms and combines this with a bank fund supervision account to achieve closed-loop fund management. Through an API gateway, it connects to enterprise ERP, bank systems, and e-commerce platforms, forming a fully automated processing chain of "order-acceptance-reconciliation-settlement confirmation-invoice upload-payment." This invention solves the pain points of uncertain payment terms, long reconciliation cycles, chaotic invoice management, low capital turnover efficiency, and high tax compliance risks in the construction industry supply chain. It ensures that suppliers receive payment on time on the 7th working day after settlement amount confirmation and compliant invoice upload, achieving the integration of tax flow, capital flow, and contract flow.

Description

Technical Field

[0001] This invention relates to the fields of supply chain finance, e-commerce and tax compliance, and in particular to a T+7 rigid payment settlement system, method and computer-readable storage medium. Background Technology

[0002] The construction industry supply chain is characterized by long project cycles, numerous participating entities, large capital commitments, complex reconciliation processes, and strict tax management. Under the traditional model, suppliers facing the following key challenges after providing building materials to construction companies: (1) The payment starting point is unclear, making it difficult to plan funds. The current payment period is mostly based on "order confirmation" or "acceptance qualified" as the starting point, but at this time the invoice has not yet been issued or uploaded, the payment amount cannot be finally determined, and the supplier cannot accurately predict the time and amount of payment.

[0003] (2) Chaotic invoice management and high tax risks. The procurement of construction materials involves a large number of VAT invoices, which pose risks such as fake invoices, duplicate reimbursements, and information errors. Under the traditional model, the circulation of invoices lags behind payment, resulting in inconsistencies in the three flows (contracts, invoices, and funds), which poses significant tax compliance risks.

[0004] (3) The reconciliation and invoices are disconnected, resulting in low efficiency. After the settlement amount is confirmed, the supplier needs to mail the invoice separately. The finance department manually checks the consistency between the invoice and the settlement statement. The disconnect in the process leads to a longer payment cycle.

[0005] (4) Lack of rigid constraints and high trust costs. Even if reconciliation and invoice collection are completed, the payment time still depends on the buyer's subjective decision, and the supplier cannot be sure "when will the payment be received after the invoice is delivered".

[0006] With the implementation of the Golden Tax Phase IV project and the widespread adoption of electronic invoices, tax supervision is becoming increasingly stringent, and construction companies urgently need to establish a compliant payment model that "drives cash flow through invoice flow".

[0007] In the existing technology, some e-commerce platforms have tried the "automatic payment" function, but there are the following defects: (1) Invoice upload is not a necessary condition for payment timing; (2) There is a lack of automatic invoice verification and three-flow integration verification mechanism; (3) Invoice image management is separated from the payment process; (4) No incentive is established to link invoice compliance with supplier credit.

[0008] Therefore, there is an urgent need for a rigid payment and settlement system that starts with "invoice upload confirmation" to achieve a predictable, reliable, and tax-compliant supply chain finance model that ensures "invoices are locked upon compliance and payment is mandatory within 7 days of locking". Summary of the Invention

[0009] To address the shortcomings of the existing technologies, the present invention aims to provide a T+7 rigid payment settlement system, method, and computer-readable storage medium, which, through technical means, solidifies the commitment of "payment on the 7th working day after the settlement amount is confirmed and the supplier uploads a compliant invoice" into an inviolable rule, thereby building a tax-compliant, efficient, and reliable construction supply chain finance ecosystem.

[0010] A T+7 rigid payment and settlement system, comprising: The rigid payment engine module is used to automatically generate payment instructions based on the preset T+7 rule. The T+7 rule refers to automatically triggering payment on the 7th working day from the time of invoice upload confirmation. The invoice upload confirmation refers to the confirmation action after the supplier uploads a compliant invoice and it is verified by the platform. The formula for the late payment fee compensation algorithm of the rigid payment engine module is as follows: ; Where: F is the late payment fee compensation amount; A is the invoice payment amount; r is the daily late payment fee interest rate, default. ; for The number of working days to be extended; The smart contract module, deployed on the blockchain network, is used to solidify payment rules, record invoice upload time and payment commitments, and execute automatic transfers when the T+7 condition is met. The reconciliation and settlement module is used to automatically capture order data, logistics data, and acceptance data, match the three data, and generate settlement amount confirmation vouchers; In the reconciliation and settlement module, the quantity of goods on the receiving slip cannot exceed 120% of the order quantity. The settlement slip is used to settle the actual quantity of goods received on the receiving slip. The settlement slip amount = receiving slip amount + adjustment + service fee. The invoice management module is used to receive invoice images uploaded by suppliers, perform OCR recognition, verification and deduplication, compliance verification, and send a T+7 timer start signal to the rigid payment engine after the verification is passed. The credit assessment module is used to build a dynamic credit scoring model based on the supplier's historical transaction data, performance status, and invoice compliance, and to adjust the applicable amount and priority of the T+7 rule accordingly. The scoring formula for the credit assessment module (100 points) = Enterprise creditworthiness (100*10%) + Logistics efficiency (100*15%) + User evaluation (100*15%) + Customer service consultation (100*10%) + After-sales service (100*15%) + Product quality (100*35%). The funds supervision module is used to connect with the bank system to establish a funds supervision account, enabling the pre-freezing and targeted payment of the buyer's funds; The API gateway module is used to connect to e-commerce platforms, enterprise ERP systems, bank payment systems, and tax digital account systems to achieve real-time data synchronization.

[0011] The conditions for confirming the upload of invoices as the starting point of T+7 include: The "Settlement Amount Confirmed" sub-unit is used to ensure that the order has been accepted and reconciled and that both parties have confirmed the final settlement amount. The invoice verification sub-unit is used to verify the authenticity, status, and consistency of invoices through the tax digital account system or a third-party platform. The invoice image compliance subunit is used to verify the clarity, completeness, and stamping standardization of invoice images; The timestamp locking sub-unit is used to generate a timestamp accurate to the second after the invoice is verified, which serves as the sole starting time for T+7 billing.

[0012] The rigid payment engine module includes: The timing unit is used to calculate the T+7 due date based on the work calendar from the time the invoice is uploaded and confirmed, excluding statutory holidays and system maintenance periods; The triggering unit is used to automatically initiate the payment process on the due date, without the need for manual approval; The exception handling unit is used to activate emergency mechanisms when there is insufficient account balance, bank system failure, or invoice cancellation or voiding, including automatic advance payment, deferred payment, or suspension of timekeeping. The formula for the intelligent calculation algorithm of the work calendar is: ; in The expiration date is T+7 (accurate to the second). The invoice upload confirmation timestamp; 7 is the basic working days; for to The total number of Saturdays and Sundays in a calendar day; for to The total number of statutory holidays within a calendar day; The smart contract module includes: The contract template library contains standardized T+7 payment contract templates and supports configuring differentiated terms according to material category, supplier level, project type, and invoice type (special invoice / general invoice). The invoice information on-chain unit is used to write the invoice code, number, amount, upload time, verification result, and settlement amount relationship into the blockchain in the form of a hash value, generating an immutable payment voucher; The automatic execution unit is used to automatically send a transfer instruction to the bank node when it receives the invoice upload confirmation signal and meets the T+7 condition. The transfer amount is strictly equal to the invoice amount.

[0013] The invoice management module includes: The upload interface unit supports suppliers to upload invoice images (PDF, JPG, PNG formats) via APP, web page, and API. The OCR recognition unit is used to identify key fields such as invoice code, number, invoice date, amount, tax rate, buyer, and seller, and automatically compare them with the settlement amount. The verification and deduplication unit is used to connect to the State Taxation Administration's National Value-Added Tax Invoice Verification Platform or Electronic Invoice Service Platform to verify the authenticity and status (normal / void / red-ink reversal) of invoices in real time, and to check whether there are already duplicate reimbursement records in the platform. The compliance verification unit is used to verify the consistency between the invoice purchaser's name and the settlement entity, the accuracy of the tax number, the matching of the invoice type with the business, and the reasonableness of the invoice date (it must not be earlier than the contract signing date or later than the settlement confirmation date). The association binding unit is used to establish a unique association between verified invoices and corresponding orders and settlement statements to prevent misattribution. The reconciliation and settlement module includes: The data acquisition unit is used to automatically capture order data, logistics tracking data, and on-site acceptance data from e-commerce platforms. The matching engine unit is used to perform matching of three documents: order, logistics, and acceptance. The matching rules include: consistent material codes, quantity error within ±0.5%, and accurate amount calculation. The difference processing unit is used to generate a difference report for matching anomalies, push it to both parties for confirmation, generate an adjustment amount after confirmation, and recalculate the settlement amount. The settlement lock unit is used to lock the data after both parties confirm the final settlement amount, and wait for the invoice to be uploaded.

[0014] The credit assessment module includes: The data acquisition unit is used to acquire historical transaction data, logistics fulfillment data, quality acceptance data, invoice upload timeliness data, and invoice compliance rate data of suppliers on the Yanxuan Mall. The scoring calculation unit is used to calculate credit scores using the Analytic Hierarchy Process (AHP) combined with machine learning algorithms. The scoring dimensions include: on-time delivery rate (25%), quality pass rate (20%), reconciliation response time (15%), invoice upload timeliness (20%), invoice compliance rate (15%), and historical dispute rate (5%). The credit limit management unit is used to dynamically adjust the upper limit of the T+7 settlement limit based on the credit score. The higher the score, the higher the limit, and a credit warning threshold is set. The algorithm formula for the Analytic Hierarchy Process (AHP) is as follows: ; Where: S represents the supplier's overall credit score; Let be the weight coefficient of the i-th rating dimension. ; Let be the quantified score of the i-th rating dimension; n is the total number of rating dimensions. The fund supervision module includes: The funds collection unit is used to collect the buyer's project funds in advance to the supervision account according to the procurement plan ratio, or to transfer them in real time after the invoice is uploaded and confirmed. The designated payment unit is used to ensure that funds in the escrow account are used only to pay the invoice amount to the supplier as stipulated in the T+7 contract, thus preventing misappropriation; The bank-enterprise direct connection interface is used to query account balances and transaction details in real time and supports automatic payment 24 / 7.

[0015] Also includes: The pre-freeze module is used to pre-freeze the estimated amount when the order is confirmed, and to refund or collect the difference based on the invoice amount after the invoice is uploaded and confirmed; The tax collaboration module is used to automatically pre-register for input tax certification after the invoice is uploaded and confirmed, and to automatically complete the formal certification after the T+7 payment is completed. The three-flow integration verification module is used to verify the consistency of contract flow (orders), invoice flow (uploaded invoices), and fund flow (payment amount) to ensure tax compliance; The data analysis module is used to calculate T+7 execution rate, average invoice upload cycle, capital occupation cost, supplier satisfaction, and timely input tax deduction rate, and output a supply chain health report.

[0016] A settlement method for a T+7 rigid payment settlement system includes the following steps: S1. When the buyer places an order on the Yanxuan Mall, the system pre-freezes the funds to the supervision account according to the estimated amount. S2. The supplier ships the goods and uploads the logistics information to the platform. After the buyer inspects the goods on-site and finds them acceptable, the buyer confirms the acceptance via mobile device. S3. The reconciliation and settlement module automatically matches the three documents. After successful matching, a settlement amount confirmation voucher is generated and confirmed by digital signatures of both parties. S4. The supplier uploads the invoice image. The invoice management module performs OCR recognition, verification, deduplication, and compliance checks. Once all checks are passed, a timing start signal is sent to the rigid payment engine. S5, the rigid payment engine starts the T+7 timer from the moment the invoice is uploaded and confirmed, and uses the invoice amount as the payment basis; S6. On the 7th working day, the smart contract will be automatically triggered to execute the payment, and the bank system will complete the transfer according to the invoice amount. S7. The tax collaboration module automatically completes input tax certification, and the credit assessment module updates the supplier's credit score based on the performance of this contract.

[0017] The invoice upload confirmation in step S4 includes: S41: The supplier shall upload the invoice image within the specified time limit (e.g., T+3 days) after the settlement amount is confirmed; S42: The system automatically identifies the invoice information and compares it with the settlement amount. If the error exceeds ±0.01 yuan, the invoice will be returned for modification. S43: The system automatically connects to the tax platform to verify that the invoice status is "normal" and that it has not been reimbursed repeatedly; S44: The system verifies that the invoice buyer, seller, product name, amount, and order details are consistent. S45: After all verifications pass, generate an invoice upload confirmation timestamp, store the evidence on the blockchain, and start T+7 timing; S46: If the invoice verification fails or is not uploaded within the time limit, the T+7 process will be suspended and switched to manual processing or the payment period qualification will be cancelled. The formula for calculating the quantitative score of uploaded invoices is as follows: ; in The actual upload time of the invoice; For the time of settlement amount confirmation; The penalty coefficient for exceeding the time limit is k=1.2; Preset the invoice upload time limit (default T+3 days, i.e., T0=3×24h); if ,but point; Step S6 also includes: If the buyer's escrow account balance is insufficient, the system will automatically trigger one of the following mechanisms: - Use the bank's credit line to make advance payments, and subsequently seek reimbursement from the buyer; - Send a warning notification to the buyer, granting a 2-business-day grace period, during which late payment fees will be charged daily; - Initiate a dispute arbitration process, suspend payments, and freeze relevant funds; The acceptance confirmation described in step S2 adopts a multi-node consensus mechanism, including: The settlement amount confirmation process is suspended if any of the following steps fail: on-site material clerk's acceptance and confirmation, project manager's review and confirmation, and supervision unit's random inspection and confirmation. The process resumes after the dispute is resolved.

[0018] It also includes automatic verification of the three streams: After the invoice is uploaded and confirmed, the system automatically compares the contract amount (order), invoice amount, and amount to be paid. If the three match, the T+7 process can proceed. If they do not match, a discrepancy warning is triggered and the timer is paused until the adjustment is made and the invoice is reconfirmed. The consistency quantization verification algorithm for the three-stream integration is as follows: ; ; Where C is the consistency coefficient of the three-stream integration, with a value range of 0-1. C=1 indicates complete consistency, and C<0.9999 indicates that there are differences. For contract settlement amount; The amount shown on the invoice. This refers to the amount of cash flow pending payment. It is the largest amount among the three.

[0019] A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements a T+7 rigid payment settlement method.

[0020] T+7 means that the funds will arrive 7 business days after the payment date.

[0021] Compared with the prior art, the present invention has the following advantages: (1) Starting with the confirmation of invoice upload, the flow of funds is driven by the flow of tax. Tax compliance requirements are transformed into technical constraints to ensure that every payment is supported by a compliant invoice, fundamentally solving the problem of inconsistency between the three flows and reducing tax risks.

[0022] (2) The payment amount is accurately locked with zero errors. The payment amount is strictly equal to the invoice amount, eliminating the cumbersome adjustment and refund process of "the invoice amount does not match the settlement amount" in the traditional model.

[0023] (3) The automation of invoice management greatly improves efficiency. Intelligent identification, real-time verification and automatic comparison compress the traditional invoice review process that takes 3-5 days to minutes. Suppliers are clearly aware that "payment will be received within 7 working days after uploading compliant invoices", and can proactively arrange invoicing and funding plans.

[0024] (4) Real-time verification of the integration of three flows strengthens tax compliance. The system automatically ensures that the contract, invoice and fund amount are consistent and meets the regulatory requirements of the Golden Tax Phase IV project. Blockchain evidence storage provides an immutable chain of evidence for tax audits.

[0025] (5) Credit incentives guide invoice standardization, incorporate the timeliness and compliance rate of invoice uploading into the credit system, guide suppliers to prioritize invoice matters, and form a virtuous cycle of "compliance benefits and non-compliance is restricted".

[0026] (6) The capital planning is precise and predictable. Suppliers know the T+7 due date when the invoice is uploaded and confirmed, which significantly improves capital efficiency compared to the traditional "mailing invoice and waiting for an uncertain period" model. Attached Figure Description

[0027] Figure 1 This is a schematic diagram of the overall architecture of the T+7 rigid payment and settlement system of the present invention; Figure 2This is a schematic diagram of the internal structure of the invoice management module of the present invention; Figure 3 This is a flowchart of the T+7 rigid payment settlement method of the present invention; Figure 4 This is a timing diagram of the invoice upload confirmation and T+7 timer start of the present invention. Detailed Implementation

[0028] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other.

[0029] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in many different ways as defined and covered by the claims.

[0030] like Figures 1 to 4 As shown, a T+7 rigid payment and settlement system includes: The rigid payment engine module is used to automatically generate payment instructions based on the preset T+7 rule. The T+7 rule refers to automatically triggering payment on the 7th working day from the time of invoice upload confirmation. The invoice upload confirmation refers to the confirmation action after the supplier uploads a compliant invoice and it is verified by the platform. The formula for the late payment fee compensation algorithm of the rigid payment engine module is as follows: ; Where: F is the late payment fee compensation amount; A is the invoice payment amount; r is the daily late payment fee interest rate, default. ; for The number of working days to be extended; The smart contract module, deployed on the blockchain network, is used to solidify payment rules, record invoice upload time and payment commitments, and execute automatic transfers when the T+7 condition is met. The reconciliation and settlement module is used to automatically capture order data, logistics data, and acceptance data, match the three data, and generate settlement amount confirmation vouchers; In the reconciliation and settlement module, the quantity of goods on the receiving slip cannot exceed 120% of the order quantity. The settlement slip is used to settle the actual quantity of goods received on the receiving slip. The settlement slip amount = receiving slip amount + adjustment + service fee. The invoice management module is used to receive invoice images uploaded by suppliers, perform OCR recognition, verification and deduplication, compliance verification, and send a T+7 timer start signal to the rigid payment engine after the verification is passed. The credit assessment module is used to build a dynamic credit scoring model based on the supplier's historical transaction data, performance status, and invoice compliance, and to adjust the applicable amount and priority of the T+7 rule accordingly. The scoring formula for the credit assessment module (100 points) = Enterprise creditworthiness (100*10%) + Logistics efficiency (100*15%) + User evaluation (100*15%) + Customer service consultation (100*10%) + After-sales service (100*15%) + Product quality (100*35%). The funds supervision module is used to connect with the bank system to establish a funds supervision account, enabling the pre-freezing and targeted payment of the buyer's funds; The API gateway module is used to connect to e-commerce platforms, enterprise ERP systems, bank payment systems, and tax digital account systems to achieve real-time data synchronization.

[0031] The conditions for confirming the upload of invoices as the starting point of T+7 include: The "Settlement Amount Confirmed" sub-unit is used to ensure that the order has been accepted and reconciled and that both parties have confirmed the final settlement amount. The invoice verification sub-unit is used to verify the authenticity, status, and consistency of invoices through the tax digital account system or a third-party platform. The invoice image compliance subunit is used to verify the clarity, completeness, and stamping standardization of invoice images; The timestamp locking sub-unit is used to generate a timestamp accurate to the second after the invoice is verified, which serves as the sole starting time for T+7 billing.

[0032] The rigid payment engine module includes: The timing unit is used to calculate the T+7 due date based on the work calendar from the time the invoice is uploaded and confirmed, excluding statutory holidays and system maintenance periods; The triggering unit is used to automatically initiate the payment process on the due date, without the need for manual approval; The exception handling unit is used to activate emergency mechanisms when there is insufficient account balance, bank system failure, or invoice cancellation or voiding, including automatic advance payment, deferred payment, or suspension of timekeeping. The formula for the intelligent calculation algorithm of the work calendar is: ; in The expiration date is T+7 (accurate to the second). The invoice upload confirmation timestamp; 7 is the basic working days; for to The total number of Saturdays and Sundays in a calendar day; for to The total number of statutory holidays within a calendar day; The smart contract module includes: The contract template library contains standardized T+7 payment contract templates and supports configuring differentiated terms according to material category, supplier level, project type, and invoice type (special invoice / general invoice). The invoice information on-chain unit is used to write the invoice code, number, amount, upload time, verification result, and settlement amount relationship into the blockchain in the form of a hash value, generating an immutable payment voucher; The automatic execution unit is used to automatically send a transfer instruction to the bank node when it receives the invoice upload confirmation signal and meets the T+7 condition. The transfer amount is strictly equal to the invoice amount.

[0033] The invoice management module includes: The upload interface unit supports suppliers to upload invoice images (PDF, JPG, PNG formats) via APP, web page, and API. The OCR recognition unit is used to identify key fields such as invoice code, number, invoice date, amount, tax rate, buyer, and seller, and automatically compare them with the settlement amount. The verification and deduplication unit is used to connect to the State Taxation Administration's National Value-Added Tax Invoice Verification Platform or Electronic Invoice Service Platform to verify the authenticity and status (normal / void / red-ink reversal) of invoices in real time, and to check whether there are already duplicate reimbursement records in the platform. The compliance verification unit is used to verify the consistency between the invoice purchaser's name and the settlement entity, the accuracy of the tax number, the matching of the invoice type with the business, and the reasonableness of the invoice date (it must not be earlier than the contract signing date or later than the settlement confirmation date). The association binding unit is used to establish a unique association between verified invoices and corresponding orders and settlement statements to prevent misattribution. The reconciliation and settlement module includes: The data acquisition unit is used to automatically capture order data, logistics tracking data, and on-site acceptance data from e-commerce platforms. The matching engine unit is used to perform matching of three documents: order, logistics, and acceptance. The matching rules include: consistent material codes, quantity error within ±0.5%, and accurate amount calculation. The difference processing unit is used to generate a difference report for matching anomalies, push it to both parties for confirmation, generate an adjustment amount after confirmation, and recalculate the settlement amount. The settlement lock unit is used to lock the data after both parties confirm the final settlement amount, and wait for the invoice to be uploaded.

[0034] The credit assessment module includes: The data acquisition unit is used to acquire historical transaction data, logistics fulfillment data, quality acceptance data, invoice upload timeliness data, and invoice compliance rate data of suppliers on the Yanxuan Mall. The scoring calculation unit is used to calculate credit scores using the Analytic Hierarchy Process (AHP) combined with machine learning algorithms. The scoring dimensions include: on-time delivery rate (25%), quality pass rate (20%), reconciliation response time (15%), invoice upload timeliness (20%), invoice compliance rate (15%), and historical dispute rate (5%). The credit limit management unit is used to dynamically adjust the upper limit of the T+7 settlement limit based on the credit score. The higher the score, the higher the limit, and a credit warning threshold is set. The algorithm formula for the Analytic Hierarchy Process (AHP) is as follows: ; Where: S represents the supplier's overall credit score; Let be the weight coefficient of the i-th rating dimension. ; Let be the quantified score of the i-th rating dimension; n is the total number of rating dimensions. The fund supervision module includes: The funds collection unit is used to collect the buyer's project funds in advance to the supervision account according to the procurement plan ratio, or to transfer them in real time after the invoice is uploaded and confirmed. The designated payment unit is used to ensure that funds in the escrow account are used only to pay the invoice amount to the supplier as stipulated in the T+7 contract, thus preventing misappropriation; The bank-enterprise direct connection interface is used to query account balances and transaction details in real time and supports automatic payment 24 / 7.

[0035] Also includes: The pre-freeze module is used to pre-freeze the estimated amount when the order is confirmed, and to refund or collect the difference based on the invoice amount after the invoice is uploaded and confirmed; The tax collaboration module is used to automatically pre-register for input tax certification after the invoice is uploaded and confirmed, and to automatically complete the formal certification after the T+7 payment is completed. The three-flow integration verification module is used to verify the consistency of contract flow (orders), invoice flow (uploaded invoices), and fund flow (payment amount) to ensure tax compliance; The data analysis module is used to calculate T+7 execution rate, average invoice upload cycle, capital occupation cost, supplier satisfaction, and timely input tax deduction rate, and output a supply chain health report.

[0036] A settlement method for a T+7 rigid payment settlement system includes the following steps: S1. When the buyer places an order on the Yanxuan Mall, the system pre-freezes the funds to the supervision account according to the estimated amount. S2. The supplier ships the goods and uploads the logistics information to the platform. After the buyer inspects the goods on-site and finds them acceptable, the buyer confirms the acceptance via mobile device. S3. The reconciliation and settlement module automatically matches the three documents. After successful matching, a settlement amount confirmation voucher is generated and confirmed by digital signatures of both parties. S4. The supplier uploads the invoice image. The invoice management module performs OCR recognition, verification, deduplication, and compliance checks. Once all checks are passed, a timing start signal is sent to the rigid payment engine. S5, the rigid payment engine starts the T+7 timer from the moment the invoice is uploaded and confirmed, and uses the invoice amount as the payment basis; S6. On the 7th working day, the smart contract will be automatically triggered to execute the payment, and the bank system will complete the transfer according to the invoice amount. S7. The tax collaboration module automatically completes input tax certification, and the credit assessment module updates the supplier's credit score based on the performance of this contract.

[0037] The invoice upload confirmation in step S4 includes: S41: The supplier shall upload the invoice image within the specified time limit (e.g., T+3 days) after the settlement amount is confirmed; S42: The system automatically identifies the invoice information and compares it with the settlement amount. If the error exceeds ±0.01 yuan, the invoice will be returned for modification. S43: The system automatically connects to the tax platform to verify that the invoice status is "normal" and that it has not been reimbursed repeatedly; S44: The system verifies that the invoice buyer, seller, product name, amount, and order details are consistent. S45: After all verifications pass, generate an invoice upload confirmation timestamp, store the evidence on the blockchain, and start T+7 timing; S46: If the invoice verification fails or is not uploaded within the time limit, the T+7 process will be suspended and switched to manual processing or the payment period qualification will be cancelled. The formula for calculating the quantitative score of uploaded invoices is as follows: ; in The actual upload time of the invoice; For the time of settlement amount confirmation; The penalty coefficient for exceeding the time limit is k=1.2; Preset the invoice upload time limit (default T+3 days, i.e., T0=3×24h); if ,but point; Step S6 also includes: If the buyer's escrow account balance is insufficient, the system will automatically trigger one of the following mechanisms: - Use the bank's credit line to make advance payments, and subsequently seek reimbursement from the buyer; - Send a warning notification to the buyer, granting a 2-business-day grace period, during which late payment fees will be charged daily; - Initiate a dispute arbitration process, suspend payments, and freeze relevant funds; The acceptance confirmation described in step S2 adopts a multi-node consensus mechanism, including: The settlement amount confirmation process is suspended if any of the following steps fail: on-site material clerk's acceptance and confirmation, project manager's review and confirmation, and supervision unit's random inspection and confirmation. The process resumes after the dispute is resolved.

[0038] It also includes automatic verification of the three streams: After the invoice is uploaded and confirmed, the system automatically compares the contract amount (order), invoice amount, and amount to be paid. If the three match, the T+7 process can proceed. If they do not match, a discrepancy warning is triggered and the timer is paused until the adjustment is made and the invoice is reconfirmed. The consistency quantization verification algorithm for the three-stream integration is as follows: ; ; Where C is the consistency coefficient of the three-stream integration, with a value range of 0-1. C=1 indicates complete consistency, and C<0.9999 indicates that there are differences. For contract settlement amount; The amount shown on the invoice. This refers to the amount of cash flow pending payment. It is the largest amount among the three.

[0039] A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements a T+7 rigid payment settlement method.

[0040] Compared with the prior art, the present invention has the following advantages: (1) Starting with the confirmation of invoice upload, the flow of funds is driven by the flow of tax. Tax compliance requirements are transformed into technical constraints to ensure that every payment is supported by a compliant invoice, fundamentally solving the problem of inconsistency between the three flows and reducing tax risks.

[0041] (2) The payment amount is accurately locked with zero errors. The payment amount is strictly equal to the invoice amount, eliminating the cumbersome adjustment and refund process of "the invoice amount does not match the settlement amount" in the traditional model.

[0042] (3) The automation of invoice management greatly improves efficiency. Intelligent identification, real-time verification and automatic comparison compress the traditional invoice review process that takes 3-5 days to minutes. Suppliers are clearly aware that "payment will be received within 7 working days after uploading compliant invoices", and can proactively arrange invoicing and funding plans.

[0043] (4) Real-time verification of the integration of three flows strengthens tax compliance. The system automatically ensures that the contract, invoice and fund amount are consistent and meets the regulatory requirements of the Golden Tax Phase IV project. Blockchain evidence storage provides an immutable chain of evidence for tax audits.

[0044] (5) Credit incentives guide invoice standardization, incorporate the timeliness and compliance rate of invoice uploading into the credit system, guide suppliers to prioritize invoice matters, and form a virtuous cycle of "compliance benefits and non-compliance is restricted".

[0045] (6) The capital planning is precise and predictable. Suppliers know the T+7 due date when the invoice is uploaded and confirmed, which significantly improves capital efficiency compared to the traditional "mailing invoice and waiting for an uncertain period" model.

[0046] Example 1: System Architecture and Core Processes like Figure 1 As shown, the system in this embodiment is deployed on the China Construction Third Engineering Bureau's premium online marketplace cloud platform. The core innovation lies in the deep coupling of the invoice management module and the rigid payment engine module: the former ensures the compliance and authenticity of invoices, while the latter ensures rigid T+7 execution from the moment the invoice is uploaded and confirmed.

[0047] Invoice Management Module Figure 2 The system adopts a microservice architecture, with key technical indicators including: - OCR recognition accuracy: ≥99.5% for all fields of VAT invoices, and 100% accuracy for the amount field; - Verification response time: Connects to the State Taxation Administration platform, with an average response time of ≤2 seconds; - Concurrency processing capability: Supports uploading and verifying 1000 invoices per minute; - Image storage: Uses distributed object storage with a retention period of 15 years, meeting the requirements for tax archive management.

[0048] Key configurations of the timing unit in the rigid payment engine module: Invoice upload confirmation time is accurate to the second (based on the timestamp of the verification pass receipt); T+7 calculation excludes Saturdays, Sundays, and statutory holidays; the payment amount is strictly equal to the invoice amount, without any difference; if the 7th working day is due for bank system maintenance, it will be automatically postponed to the next working day and the supplier will be compensated for late payment fees at a daily interest rate of 0.05%.

[0049] Example 2: Typical Application Scenario – Concrete Procurement A construction project purchased concrete with an estimated order amount of 2.85 million yuan. The actual settlement amount was adjusted to 2.835 million yuan due to a price adjustment. The invoice issuance process is as follows:

[0050] Suppliers are fully aware of the payment due on T+12 at 10:23 on T+5, allowing for precise fund planning; the project team completes payment and tax certification without any intervention.

[0051] Example 3: Invoice Anomaly Handling Scenario Scenario A: The invoice amount does not match the settlement amount. The supplier mistakenly issued an invoice for 2.85 million yuan (without deducting the adjustment amount); - After OCR recognition, the system automatically compares the amounts and finds a difference of 15,000 yuan; the system returns the invoice and prompts "Amount difference, please reissue"; the supplier reissues an invoice for 2.835 million yuan and uploads it, and the T+7 timer starts.

[0052] Scenario B: Invoice verification fails. After the supplier uploads the invoice, the system connects with the tax platform for verification; the status is returned as "void invoice"; the system immediately freezes the T+7 process and pushes an alert to the supplier requiring a new valid invoice, otherwise it will be converted to cash on delivery or the order will be cancelled.

[0053] Scenario C: If the invoice is not uploaded within the time limit, the system sets a time limit of T+3 days (i.e., T+6 days) after the settlement amount is confirmed; if the supplier still fails to upload the invoice by T+7, the system will automatically suspend the T+7 qualification and deduct from the credit score; it will switch to manual collection mode, and reassess whether to restore T+7 after the invoice arrives.

[0054] Example 4: Three-stream integration verification and tax collaboration After the invoice is uploaded and confirmed, the system automatically performs three-way verification: After all verifications are passed, the system generates a "Confirmation Letter for Integration of Three Flows" and stores it on the blockchain; after the T+7 payment is completed, the system automatically pushes the authentication application to the tax digital account, realizing "payment equals authentication" and zero delay in input tax deduction.

[0055] Example 5: Credit Incentive Scenario Comparison between Supplier A and Supplier B: Supplier A (AAA rating, credit score 880): Historical average invoice upload time is T+1 day, compliance rate is 100%. This time, the invoice was uploaded on T+5 day and passed on the first try. Enjoy a 5 million T+7 credit limit. T+7 timer starts smoothly. Supplier B (Grade A, Credit Score 480): Historical average invoice upload time is T+5 days, with 2 instances of this occurring. The previous invoice was voided. This time, the invoice was only uploaded on T+7 day and was returned due to an error in the first issuance. The T+7 qualification has been suspended, and the payment method has been changed to cash on delivery.

[0056] In the credit scoring model, the invoice dimension accounts for 35% of the weight, strongly guiding suppliers to pay attention to invoice compliance and timeliness.

[0057] The above description is merely a preferred embodiment of the present invention and does not limit the patent scope of the present invention. Any equivalent structural or procedural transformations made based on the content of the present invention's specification and drawings, or direct or indirect applications in other related technical fields, are similarly included within the patent protection scope of the present invention.

Claims

1. A T+7 rigid payment and settlement system, characterized in that: include: The rigid payment engine module is used to automatically generate payment instructions based on the preset T+7 rule. The T+7 rule refers to automatically triggering payment on the 7th working day from the time of invoice upload confirmation. The invoice upload confirmation refers to the confirmation action after the supplier uploads a compliant invoice and it is verified by the platform. The formula for the late payment fee compensation algorithm of the rigid payment engine module is as follows: ； Where: F is the late payment fee compensation amount; A is the invoice payment amount; r is the daily late payment fee interest rate, default. ; for The number of working days to be extended; The smart contract module, deployed on the blockchain network, is used to solidify payment rules, record invoice upload time and payment commitments, and execute automatic transfers when the T+7 condition is met. The reconciliation and settlement module is used to automatically capture order data, logistics data, and acceptance data, match the three data, and generate settlement amount confirmation vouchers; In the reconciliation and settlement module, the quantity of goods on the receiving slip cannot exceed 120% of the order quantity. The settlement slip is used to settle the actual quantity of goods received on the receiving slip. The settlement slip amount = receiving slip amount + adjustment + service fee. The invoice management module is used to receive invoice images uploaded by suppliers, perform OCR recognition, verification and deduplication, compliance verification, and send a T+7 timer start signal to the rigid payment engine after the verification is passed. The credit assessment module is used to build a dynamic credit scoring model based on the supplier's historical transaction data, performance status, and invoice compliance, and to adjust the applicable amount and priority of the T+7 rule accordingly. The funds supervision module is used to connect with the bank system to establish a funds supervision account, enabling the pre-freezing and targeted payment of the buyer's funds; The API gateway module is used to connect to e-commerce platforms, enterprise ERP systems, bank payment systems, and tax digital account systems to achieve real-time data synchronization.

2. The T+7 rigid payment and settlement system according to claim 1, characterized in that: The conditions for confirming the upload of invoices as the starting point of T+7 include: The "Settlement Amount Confirmed" sub-unit is used to ensure that the order has been accepted and reconciled and that both parties have confirmed the final settlement amount. The invoice verification sub-unit is used to verify the authenticity, status, and consistency of invoices through the tax digital account system or a third-party platform. The invoice image compliance subunit is used to verify the clarity, completeness, and stamping standardization of invoice images; The timestamp locking sub-unit is used to generate a timestamp accurate to the second after the invoice is verified, which serves as the sole starting time for T+7 billing.

3. The T+7 rigid payment and settlement system according to claim 1, characterized in that: The rigid payment engine module includes: The timing unit is used to calculate the T+7 due date based on the work calendar from the time the invoice is uploaded and confirmed, excluding statutory holidays and system maintenance periods; The triggering unit is used to automatically initiate the payment process on the due date, without the need for manual approval; The exception handling unit is used to activate emergency mechanisms when there is insufficient account balance, bank system failure, or invoice cancellation or voiding, including automatic advance payment, deferred payment, or suspension of timekeeping. The formula for the intelligent calculation algorithm of the work calendar is: ; in The expiration date is T+7. The invoice upload confirmation timestamp; 7 is the basic working days; for to The total number of Saturdays and Sundays in a calendar day; for to The total number of statutory holidays within a calendar day; The smart contract module includes: The contract template library contains standardized T+7 payment contract templates and supports configuring differentiated terms according to material category, supplier level, project type, and invoice type. The invoice information on-chain unit is used to write the invoice code, number, amount, upload time, verification result, and settlement amount relationship into the blockchain in the form of a hash value, generating an immutable payment voucher; The automatic execution unit is used to automatically send a transfer instruction to the bank node when it receives the invoice upload confirmation signal and meets the T+7 condition. The transfer amount is strictly equal to the invoice amount.

4. The T+7 rigid payment and settlement system according to claim 1, characterized in that: The invoice management module includes: The upload interface unit supports suppliers to upload invoice images via APP, web page, API, and other methods. The OCR recognition unit is used to identify key fields such as invoice code, number, invoice date, amount, tax rate, buyer, and seller, and automatically compare them with the settlement amount. The verification and deduplication unit is used to connect to the State Taxation Administration's national VAT invoice verification platform or electronic invoice service platform to verify the authenticity and status of invoices in real time, and to check whether there are already duplicate reimbursement records in the platform. The compliance verification unit is used to verify the consistency between the invoice purchaser's name and the settlement entity, the accuracy of the tax number, the matching of the invoice type with the business, and the reasonableness of the invoice date; The association binding unit is used to establish a unique association between verified invoices and corresponding orders and settlement statements to prevent misattribution. The reconciliation and settlement module includes: The data acquisition unit is used to automatically capture order data, logistics tracking data, and on-site acceptance data from e-commerce platforms. The matching engine unit is used to perform matching of three documents: order, logistics, and acceptance. The matching rules include: consistent material codes, quantity error within ±0.5%, and accurate amount calculation. The difference processing unit is used to generate a difference report for matching anomalies, push it to both parties for confirmation, generate an adjustment amount after confirmation, and recalculate the settlement amount. The settlement lock unit is used to lock the data after both parties confirm the final settlement amount, and wait for the invoice to be uploaded.

5. The T+7 rigid payment and settlement system according to claim 1, characterized in that: The credit assessment module includes: The data acquisition unit is used to acquire historical transaction data, logistics fulfillment data, quality acceptance data, invoice upload timeliness data, and invoice compliance rate data of suppliers on the Yanxuan Mall. The scoring calculation unit is used to calculate credit scores using the analytic hierarchy process combined with machine learning algorithms. The scoring dimensions include: on-time delivery rate, quality pass rate, reconciliation response timeliness, invoice upload timeliness, invoice compliance rate, and historical dispute rate. The credit limit management unit is used to dynamically adjust the upper limit of the T+7 settlement limit based on the credit score. The higher the score, the higher the limit, and a credit warning threshold is set. The algorithm formula for the Analytic Hierarchy Process (AHP) is as follows: ； Where: S represents the supplier's overall credit score; Let be the weight coefficient of the i-th rating dimension. ; Let be the quantified score of the i-th rating dimension; n is the total number of rating dimensions. The fund supervision module includes: The funds collection unit is used to collect the buyer's project funds in advance to the supervision account according to the procurement plan ratio, or to transfer them in real time after the invoice is uploaded and confirmed. The designated payment unit is used to ensure that funds in the escrow account are used only to pay the invoice amount to the supplier as stipulated in the T+7 contract, thus preventing misappropriation; The bank-enterprise direct connection interface is used to query account balances and transaction details in real time and supports automatic payment 24 / 7.

6. The T+7 rigid payment and settlement system according to claim 1, characterized in that: The system also includes: The pre-freeze module is used to pre-freeze the estimated amount when the order is confirmed, and to refund or collect the difference based on the invoice amount after the invoice is uploaded and confirmed; The tax collaboration module is used to automatically pre-register for input tax certification after the invoice is uploaded and confirmed, and to automatically complete the formal certification after the T+7 payment is completed. The three-flow integration verification module is used to verify the consistency of contract flow, invoice flow, and fund flow to ensure tax compliance; The data analysis module is used to calculate T+7 execution rate, average invoice upload cycle, capital occupation cost, supplier satisfaction, and timely input tax deduction rate, and output a supply chain health report.

7. The settlement method of a T+7 rigid payment settlement system according to any one of claims 1-6, characterized in that: Includes the following steps: S1. When the buyer places an order on the Yanxuan Mall, the system pre-freezes the funds to the supervision account according to the estimated amount. S2. The supplier ships the goods and uploads the logistics information to the platform. After the buyer inspects the goods on-site and finds them acceptable, the buyer confirms the acceptance via mobile device. S3. The reconciliation and settlement module automatically matches the three documents. After successful matching, a settlement amount confirmation voucher is generated and confirmed by digital signatures of both parties. S4. The supplier uploads the invoice image. The invoice management module performs OCR recognition, verification, deduplication, and compliance checks. Once all checks are passed, a timing start signal is sent to the rigid payment engine. S5, the rigid payment engine starts the T+7 timer from the moment the invoice is uploaded and confirmed, and uses the invoice amount as the payment basis; S6. On the 7th working day, the smart contract will be automatically triggered to execute the payment, and the bank system will complete the transfer according to the invoice amount. S7. The tax collaboration module automatically completes input tax certification, and the credit assessment module updates the supplier's credit score based on the performance of this contract.

8. The T+7 rigid payment settlement method according to claim 7, characterized in that: The invoice upload confirmation in step S4 includes: S41: The supplier shall upload an image of the invoice within the specified time limit after the settlement amount is confirmed; S42: The system automatically identifies the invoice information and compares it with the settlement amount. If the error exceeds ±0.01 yuan, the invoice will be returned for modification. S43: The system automatically connects to the tax platform to verify that the invoice status is "normal" and that it has not been reimbursed repeatedly; S44: The system verifies that the invoice buyer, seller, product name, amount, and order details are consistent. S45: After all verifications pass, generate an invoice upload confirmation timestamp, store the evidence on the blockchain, and start T+7 timing; S46: If the invoice verification fails or is not uploaded within the time limit, the T+7 process will be suspended and switched to manual processing or the payment period qualification will be cancelled. The formula for calculating the quantitative score of uploaded invoices is as follows: ； in The actual upload time of the invoice; For the time of settlement amount confirmation; The penalty coefficient for exceeding the time limit is k=1.2; Set a preset time limit for uploading invoices; if ,but point; Step S6 also includes: If the buyer's escrow account balance is insufficient, the system will automatically trigger one of the following mechanisms: - Use the bank's credit line to make advance payments, and subsequently seek reimbursement from the buyer; - Send a warning notification to the buyer, granting a 2-business-day grace period, during which late payment fees will be charged daily; - Initiate a dispute arbitration process, suspend payments, and freeze relevant funds; The acceptance confirmation described in step S2 adopts a multi-node consensus mechanism, including: The settlement amount confirmation process is suspended if any of the following steps fail: on-site material clerk's acceptance and confirmation, project manager's review and confirmation, and supervision unit's random inspection and confirmation. The process resumes after the dispute is resolved.

9. The T+7 rigid payment settlement method according to claim 8, characterized in that: It also includes automatic verification of the three streams: After the invoice is uploaded and confirmed, the system automatically compares the contract amount, invoice amount, and amount to be paid. If the three match, the process can proceed to T+7. If they do not match, a discrepancy warning is triggered and the timer is paused until the invoice is adjusted and reconfirmed. The consistency quantization verification algorithm for the three-stream integration is as follows: ； ； Where C is the consistency coefficient of the three-stream integration, with a value range of 0-1. C=1 indicates complete consistency, and C<0.9999 indicates that there are differences. For contract settlement amount; The amount shown on the invoice. This refers to the amount of cash flow pending payment. It is the largest amount among the three.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the T+7 rigid payment settlement method as described in any one of claims 7-9.

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