A digital voucher hierarchical flow control system for supply chain finance

Abstract

The application discloses a kind of digital voucher hierarchical flow control systems for supply chain finance, it is related to financial technology field, including budget generation binding module, for when digital voucher is issued, the risk budget and flow budget bound with the digital voucher are generated and form verifiable budget credentials;Flow operation constraint module, for the consistent budget constraint of splitting, merging and net settlement of digital voucher is executed and the budget state is updated to maintain the budget conservation relationship;Compliance determination audit module, the application changes the digital voucher level from discrete field to the risk budget and flow budget with asset flow, and takes budget conservation and action dissipation as the only constraint, so that splitting, merging, net, financing occupation can only transport and consume budget, but cannot value-added, which eliminates level bleaching and realizes cross-institutional verifiable hierarchical flow control from mechanism.

Description

Technical Field

[0001] This invention relates to the field of financial technology, specifically to a hierarchical circulation control system for digital vouchers in supply chain finance. Background Technology

[0002] In supply chain finance, core enterprises, industry platforms, banks, and factoring institutions create transferable digital certificates based on genuine trade backgrounds. These certificates are used to facilitate the confirmation, allocation, transfer, financing, and maturity payment of accounts receivable. Because downstream suppliers are dispersed and payment amounts are fragmented, digital certificates typically support splitting and transferring. Furthermore, due to the need for centralized financing, cross-institutional clearing and settlement, and netting by payees, digital certificates also need to support consolidation and netting settlement. Current technologies generally design digital certificate levels as discrete fields and employ field inheritance rules, source look-through verification, and manual approval processes to maintain level consistency during splitting, consolidation, and netting operations.

[0003] However, when specific business conditions such as allowing splitting and circulation, the existence of consolidation and netting settlement, the joint participation of multiple financial institutions, and the inability to fully disclose supply chain relationships and transaction sources due to privacy constraints are simultaneously met, relying solely on discrete grade fields and their inheritance strategies will result in structural defects: When digital certificates are allowed to be split and consolidation and netting settlement occur in cross-institutional clearing, if the grade control relies on discrete grade fields and adopts an inheritance strategy, then under the constraint that supply chain relationships and source chains cannot be fully disclosed, low-grade source certificates can appear as higher grades in consolidation and netting output certificates by mixing with a small number of high-grade source certificates, thereby causing grade whitewashing and triggering systemic distortions in financing access, quota usage, and risk capital measurement; at the same time, if the whitewashing path is blocked by prohibiting netting consolidation or mandating look-through disclosure, it will cause liquidity shock and leakage of supply chain relationships, failing to simultaneously meet the dual requirements of business availability and privacy compliance. Summary of the Invention

[0004] The purpose of this invention is to provide a hierarchical circulation control system for digital vouchers in supply chain finance, so as to solve the problems mentioned in the background art.

[0005] To address the aforementioned technical problems, this invention provides the following technical solution: a hierarchical circulation control system for digital vouchers in supply chain finance, comprising a budget generation and binding module for generating a risk budget and circulation budget bound to the digital voucher upon issuance and forming verifiable budget vouchers; a circulation operation constraint module for applying consistent budget constraints to the splitting, merging, and net settlement of digital vouchers and updating the budget status to maintain budget conservation; and a compliance judgment and audit module for outputting hierarchical circulation control decisions based on the budget status and forming verifiable audit records across institutions when digital vouchers are transferred, used for financing, or transferred across institutions.

[0006] According to the above technical solution, the budget generation and binding module includes a budget initialization submodule, a budget voucher issuance submodule, and a budget registration submodule. The budget initialization submodule is used to generate an initial budget status based on the digital voucher amount and credit rating. The budget voucher issuance submodule is used to bind the budget status and voucher identifier and generate an authorized signature voucher. The budget registration submodule is used to write the budget status and signature voucher into a shared ledger for cross-institutional verification. The flow operation constraint module includes a splitting and allocation submodule, a merging and synthesis submodule, a net amount synthesis submodule, and a conservation verification submodule. The splitting and allocation submodule is used to allocate the budget according to the splitting result and generate the budget status of the sub-voucher. The merging and synthesis submodule is used to perform budget summation on the input voucher set and generate the budget status of the merged voucher. The net amount synthesis submodule is used to perform net amount budget synthesis on the clearing input set and generate the budget status of the net result voucher. The conservation verification submodule is used to verify the budget conservation and dissipation constraints before and after the operation and output the verification result. The compliance assessment and audit module includes an action consumption submodule, an occupation locking submodule, a hierarchical mapping submodule, and an audit event submodule. The action consumption submodule is used to deduct the turnover budget according to the action type and the risk budget according to the rules. The occupation locking submodule is used to lock the risk budget when financing actions occur to reflect risk occupation. The hierarchical mapping submodule is used to give hierarchical results and a set of allowed actions based on the budget status. The audit event submodule is used to write the input-output relationship of each operation and budget changes into a verifiable audit event sequence.

[0007] According to the above technical solution, the working method of the system includes the following steps: S1, Issuance and Budget Generation: When digital vouchers are issued, risk budgets and circulation budgets are generated and bound to the voucher identifier. At the same time, the budget status and authorization credentials are registered to the shared ledger so that different institutions can consistently verify the source and validity of the budget.

[0008] S2, Split and Flow Control: When a digital voucher is split into multiple sub-vouchers, the risk budget and flow budget are allocated to each sub-voucher according to the splitting result and the budget status of the sub-vouchers is updated. At the same time, a splitting operation voucher is generated and a conservation check is completed.

[0009] S3, Consolidation and Net Settlement Control: When multiple digital vouchers are consolidated and netted, a unified budget synthesis rule is executed on the set of input vouchers and the budget status of the output vouchers is updated, so that the output budget is deterministically derived from the input budget and the conservation check is completed.

[0010] S4, Action Compliance Judgment and Budget Consumption: When digital vouchers are transferred, pledged for financing, rediscounted, or transferred across institutions, budget consumption and risk budget occupancy lock are executed according to the action type, and the set of allowed actions and control decisions are output based on the current budget status.

[0011] S5, Hierarchical Mapping and Audit: Calculate the corresponding hierarchical results based on the budget status and write them into the audit event, enabling cross-organizational verification of the consistency between budget conservation relationships, compliance decisions, and hierarchical results without disclosing the complete source chain.

[0012] According to the above technical solution, step S1 includes: S1-1, Voucher Identifier Generation: Generate a unique voucher identifier and solidify the issuing entity, the entity responsible for redemption upon maturity, and the redemption conditions of the voucher, so that the budget and subsequent operations can be bound to the same identifier for verification; S1-2, Initial Risk Budget Generation and Binding: An initial risk budget is generated based on the credit assessment and bound to the voucher identifier for registration. The initial risk budget satisfies the following formula: ,in The initial amount of the voucher at the time of issuance. For the initial risk budget tied to this voucher, The risk budget coefficient is determined by the authorized entity based on risk control assessment and then written into the budget voucher; this formula is used to establish the proportional relationship between the risk budget and the amount, so that the risk budget can be scaled up and down with the amount and can be recalculated across institutions; S1-3, Initial Circulation Budget Generation and Binding: An initial circulation budget is generated based on the hierarchical circulation radius control strategy and bound to the voucher identifier for registration. The initial circulation budget satisfies the formula... ,in For the initial circulation budget of this voucher, This is the initial setting determined by the tiered transfer strategy; this formula is used to provide a unified calculable constraint benchmark for subsequent transfer and financing actions; S1-4, Budget Voucher Issuance and Registration: Budget vouchers containing voucher identifiers, amounts, risk budgets, transfer budgets, and issuance timestamps are signed by the authorized entity and written into the shared ledger to enable participating institutions to consistently verify the source and validity of budgets.

[0013] According to the above technical solution, step S2 includes: S2-1, Determining the splitting result: Receive the splitting request and determine the number of sub-vouchers and the amount of each sub-voucher, ensuring that the set of sub-voucher amounts satisfies the amount conservation formula: ,in For the first The formula is used to ensure that splitting only changes the distribution of amounts without changing the total amount. S2-2, Risk budget is allocated proportionally and dissipated by splitting: The original voucher risk budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and fragmented dissipation is introduced to make the risk budget of the first voucher... Individual voucher risk budget satisfies the formula: ,in For the original voucher risk budget, To split the dissipation coefficient and satisfy This allocation formula is used to realize the transfer of risk budget according to the amount ratio, and the dissipation constraint is used to reflect the penetration difficulty cost caused by fragmentation and to ensure that the total risk budget does not increase. S2-3, Proportional Allocation and Split Dissipation of Turnover Budget: The original voucher turnover budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and split dissipation is introduced to make the first... The budget for the circulation of individual vouchers satisfies the formula. ,in Decompose the dissipation factor for the circulation budget and satisfy This allocation formula is used to bring the hierarchical circulation radius into a computable budget and suppress deep chain diffusion caused by infinite splitting; S2-4, Non-negativity Constraints and Registration: Apply non-negativity constraints to each sub-document and satisfy them. , At the same time, the relationship between the original voucher and the sub-voucher, the budget allocation results and the dissipation amount are written into the audit event so that subsequent merger and financing actions can be completed based on the event sequence to complete the conservation verification.

[0014] According to the above technical solution, step S3 includes: S3-1, Input Set Validation: Perform budget voucher authenticity verification on the input voucher set involved in consolidation and netting, and verify that each input voucher is in a synthesizable state to avoid duplicate synthesis; S3-2, Combining Amount and Risk Budget: Generate output vouchers and ensure that the output amount and output risk budget respectively satisfy the following formulas: , ,in For the first Enter the voucher amount. For the first Each input voucher risk budget, the composition relation is used to ensure that the combined result budget is deterministically derived from the input budget and to guarantee that the risk budgets can only be added together and cannot be incremented; S3-3, Output Flow Budget Synthesis: The output flow budget is synthesized according to the upper limit constraint rule to ensure that it meets the requirements. ,in For the first Budget for the flow of input vouchers This formula is used to output the upper limit of the circulation budget; it is designed to prevent the diffusion radius from getting out of control due to excessively large circulation budgets obtained through merging and accumulation. S3-4, Budget Concentration Update: Define the budget concentration of the output voucher as... This represents the risk budget proportion borne by each unit of amount, used to reflect the mixed dilution effect, so that the output grade will definitely fall back with the concentration, thus blocking the grade bleaching from the mechanism. S3-5, Consolidation and Netting: Input sets, output voucher identifiers, budget synthesis results, and budget concentrations are written into shared ledger audit events for cross-agency review of budget conservation and hierarchical derivation processes.

[0015] According to the above technical solution, step S4 includes: S4-1, Action Type Determination: When an output voucher is transferred, pledged for financing, rediscounted, or transferred across institutions, the current budget status of the voucher is read and the set of budget consumption parameters corresponding to the action type is determined. S4-2, Flow Budget Consumption: For action types Perform a deduction from the turnover budget to ensure that the turnover budget meets the requirements after the action. ,in Budgeting for pre-action workflow, Action type The corresponding turnover budget deduction parameters are determined by the budget strategy during system initialization and written into the action parameter table. When the action is executed, it is based on the action type. The formula is obtained by indexing from the action parameter table; it is used to reduce the hierarchical flow control to a calculable budget deduction, thereby precisely controlling the diffusion level and number of times. S4-3, Risk Budget Dissipation: For Action Types Perform risk budget deductions to ensure that the post-action risk budget meets the requirements. ,in For pre-action risk budgeting, Action type The corresponding risk budget dissipation parameter is obtained from the index of the action parameter table. This formula is used to reflect the risk cost brought about by financialization actions and to avoid obtaining a level upgrade through frequent actions. S4-4, Occupancy Lock-in: When the action is a financing occupancy-related action, the risk budget is locked according to the occupancy ratio, so that the locked amount and the available amount respectively meet the requirements. , ,in This refers to the amount used in this financing. Action type The occupancy and locking ratio is fixed by the policy. For locked-in risk budget, This is used to create a risk budget available after the action; this relationship is used to ensure that the financing expenditure generates verifiable risk resource expenditure at the budget level, avoiding risk measurement distortion caused by duplicate expenditure. S4-5, Action Admission Determination: Determined based on post-action budget concentration and the execution threshold of the flow budget, wherein the post-action budget concentration meets the following conditions. ,in This is the current voucher amount. This is the budget concentration after the action; this formula is used to make the admission decision deterministically derived from the budget status and form an auditable record.

[0016] According to the above technical solution, step S5 includes: S5-1, Graded Calculation: The graded result is jointly determined by budget concentration and turnover budget. The graded determination function is defined as follows: ,in This definition, representing the current budget concentration, ensures that the classification results are uniquely determined by the budget status and can be recalculated across agencies. S5-2, Hierarchical Interval Mapping: Setting Budget Concentration Thresholds , , and satisfy Set a turnover budget threshold , and satisfy First, determine the concentration segmentation level index based on the budgeted concentration. and satisfy The above segmentation is used to ensure any The system ensures that all values ​​fall within a single segment of the non-negative domain, thus achieving a mutually exclusive and complete partition of the budget concentration. Secondly, it determines the upper limit index of the circulation budget. Its satisfaction The above segmentation is used for any A mutually exclusive complete partition is formed within the non-negative domain, and the insufficient flow radius is transformed into a deterministic upper bound constraint on the hierarchical results, ultimately resulting in a hierarchical index. Determined and satisfied by both and the classification results According to the unique mapping of the index, ,in , , , This mapping represents the classification results of Level 1, Level 2, Level 3, and Restriction Level, and is achieved through... The final classification will be limited to the more stringent of the two: the level given by the budget concentration and the highest level allowed by the turnover budget. The combination provides a unique and definite classification result and avoids judgment gaps; S5-3, Audit Event Writing: Audit event records are formed for issuance, splitting, merging, netting, action consumption, and occupation locking. The event records include the set of input voucher identifiers, output voucher identifiers, action type, budget status before action, budget status after action, consumption amount, locking amount and hierarchical results, and authorization signature, so as to provide consistent verification across institutions. S5-4, Cross-agency Consistency Verification: Upon receiving a verification request, the system reads budget vouchers and audit event sequences from the shared ledger, recalculates budget conservation, budget concentration, and hierarchical mapping results, and compares them with ledger records to complete the verification of hierarchical flow control consistency without disclosing the complete source chain.

[0017] Compared with existing technologies, the beneficial effects achieved by this invention are as follows: This invention replaces grade field inheritance and source penetration review with budget conservation and action dissipation, transforming graded control from a strategy selection problem into a deterministic, calculable, and verifiable constraint execution: When splitting, the budget is allocated according to the amount ratio and fragmented dissipation is introduced; when merging and netting, the budget is summed and the grade is automatically reduced by the budget concentration, naturally blocking the path for low-grade assets to obtain a high-grade appearance through mixing; at the same time, a unified budget consumption and risk budget occupancy lock is applied to actions such as transfer, pledge financing, rediscounting, and cross-institutional transfer, so that the higher the degree of asset financialization, the stronger the budget constraint, thereby achieving consistent cross-institutional risk control judgment without exposing the complete source chain, taking into account liquidity, privacy compliance, and audit traceability, and completely solving the problem of risk measurement distortion caused by grade whitewashing in specific scenarios. Attached Figure Description

[0018] The accompanying drawings are provided to further illustrate the invention and form part of the specification. They are used in conjunction with embodiments of the invention to explain the invention and do not constitute a limitation thereof. In the drawings: Figure 1 This is a schematic diagram of the overall modular structure of the present invention. Detailed Implementation

[0019] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0020] Please see Figure 1This invention provides a technical solution: a hierarchical circulation control system for digital vouchers in supply chain finance, comprising a budget generation and binding module for generating a risk budget and circulation budget bound to the digital voucher when it is issued, and forming verifiable budget vouchers; a circulation operation constraint module for applying consistent budget constraints to the splitting, merging, and net settlement of digital vouchers and updating the budget status to maintain budget conservation; and a compliance judgment and audit module for outputting hierarchical circulation control decisions based on the budget status and forming verifiable audit records across institutions when digital vouchers are transferred, used for financing, or transferred across institutions. The budget generation and binding module includes a budget initialization submodule, a budget voucher issuance submodule, and a budget registration submodule. The budget initialization submodule is used to generate the initial budget status based on the digital voucher amount and credit rating. The budget voucher issuance submodule is used to bind the budget status and voucher identifier and generate authorized signature vouchers. The budget registration submodule is used to write the budget status and signature vouchers into the shared ledger for cross-institutional verification. The flow operation constraint module includes a splitting and allocation submodule, a merging and synthesis submodule, a net amount synthesis submodule, and a conservation verification submodule. The splitting and allocation submodule is used to allocate the budget according to the splitting result and generate the budget status of the sub-voucher. The merging and synthesis submodule is used to perform budget summation on the input voucher set and generate the budget status of the merged voucher. The net amount synthesis submodule is used to perform net amount budget synthesis on the clearing input set and generate the budget status of the net result voucher. The conservation verification submodule is used to verify the budget conservation and dissipation constraints before and after the operation and output the verification results. The compliance assessment audit module includes an action consumption submodule, an occupation locking submodule, a hierarchical mapping submodule, and an audit event submodule. The action consumption submodule is used to deduct the turnover budget according to the action type and the risk budget according to the rules. The occupation locking submodule is used to lock the risk budget when financing actions occur to reflect the risk occupation. The hierarchical mapping submodule is used to give hierarchical results and the set of allowed actions based on the budget status. The audit event submodule is used to write the input-output relationship of each operation and budget changes into a verifiable audit event sequence. The system's working method includes the following steps: S1, Issuance and Budget Generation: When digital vouchers are issued, risk budgets and circulation budgets are generated and bound to the voucher identifier. At the same time, the budget status and authorization credentials are registered to the shared ledger so that different institutions can consistently verify the source and validity of the budget.

[0021] S2, Split and Flow Control: When a digital voucher is split into multiple sub-vouchers, the risk budget and flow budget are allocated to each sub-voucher according to the splitting result and the budget status of the sub-vouchers is updated. At the same time, a splitting operation voucher is generated and a conservation check is completed.

[0022] S3, Consolidation and Net Settlement Control: When multiple digital vouchers are consolidated and netted, a unified budget synthesis rule is executed on the set of input vouchers and the budget status of the output vouchers is updated, so that the output budget is deterministically derived from the input budget and the conservation check is completed.

[0023] S4, Action Compliance Judgment and Budget Consumption: When digital vouchers are transferred, pledged for financing, rediscounted, or transferred across institutions, budget consumption and risk budget occupancy lock are executed according to the action type, and the set of allowed actions and control decisions are output based on the current budget status.

[0024] S5, Hierarchical Mapping and Audit: Calculate the corresponding hierarchical results based on the budget status and write them into the audit event, enabling cross-organizational verification of the consistency between budget conservation relationships, compliance decisions, and hierarchical results without disclosing the complete source chain; Step S1 includes: S1-1, Voucher Identifier Generation: Generate a unique voucher identifier and solidify the issuing entity, the entity responsible for redemption upon maturity, and the redemption conditions of the voucher, so that the budget and subsequent operations can be bound to the same identifier for verification; S1-2, Initial Risk Budget Generation and Binding: An initial risk budget is generated based on the credit assessment and bound to the document identifier for registration. The initial risk budget satisfies the following formula: ,in The initial amount of the voucher at the time of issuance. For the initial risk budget tied to this voucher, The risk budget coefficient is determined by the authorized entity based on risk control assessment and then written into the budget voucher; this formula is used to establish the proportional relationship between the risk budget and the amount, so that the risk budget can be scaled up and down with the amount and can be recalculated across institutions; S1-3, Initial Circulation Budget Generation and Binding: An initial circulation budget is generated based on the hierarchical circulation radius control strategy and bound to the voucher identifier. The initial circulation budget satisfies the formula... ,in For the initial circulation budget of this voucher, This is the initial setting determined by the tiered transfer strategy; this formula is used to provide a unified calculable constraint benchmark for subsequent transfer and financing actions; S1-4, Budget Voucher Issuance and Registration: Budget vouchers containing voucher identifiers, amounts, risk budgets, transfer budgets, and issuance timestamps shall be signed by the authorized entity and written into the shared ledger to enable participating institutions to consistently verify the source and validity of the budget; Step S2 includes: S2-1, Determining the splitting result: Receive the splitting request and determine the number of sub-vouchers and the amount of each sub-voucher, ensuring that the set of sub-voucher amounts satisfies the amount conservation formula: ,in For the first The formula is used to ensure that splitting only changes the distribution of amounts without changing the total amount. S2-2, Risk budget is allocated proportionally and dissipated by splitting: The original voucher risk budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and fragmented dissipation is introduced to make the risk budget of the first voucher... Individual voucher risk budget satisfies the formula: ,in For the original voucher risk budget, To split the dissipation coefficient and satisfy This allocation formula is used to realize the transfer of risk budget according to the amount ratio, and the dissipation constraint is used to reflect the penetration difficulty cost caused by fragmentation and to ensure that the total risk budget does not increase. S2-3, Proportional Allocation and Split Dissipation of Turnover Budget: The original voucher turnover budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and split dissipation is introduced to make the first... The budget for the circulation of individual vouchers satisfies the formula. ,in Decompose the dissipation factor for the circulation budget and satisfy This allocation formula is used to bring the hierarchical circulation radius into a computable budget and suppress deep chain diffusion caused by infinite splitting; S2-4, Non-negativity Constraints and Registration: Apply non-negativity constraints to each sub-document and satisfy them. , At the same time, the relationship between the original voucher and the sub-voucher, the budget allocation results and the dissipation amount are written into the audit event so that subsequent merger and financing actions can complete the conservation verification based on the event sequence; Conventional practices typically inherit risk ratings as discrete fields: after splitting, sub-certificates either directly inherit the original rating or are assigned a rating based on empirical rules, with at most manual review. This means that as the number of splits increases and the degree of fragmentation rises, the system does not impose any calculable penalty on the increased difficulty of penetration, leading to the possibility that subsequent consolidation or financing processes may still treat a large number of fragmented assets as having the same rating, thus creating an entry point for rating manipulation. The working principle of this solution in the splitting process is: abstracting risk capacity and liquidity capacity into calculable budget amounts. During splitting, the budget can only be transferred from the parent certificate to the sub-certificate in proportion to the amount, while introducing splitting dissipation to reduce the certainty of the total budget as fragmentation increases. The role of this step in the solution is to pre-solidify the risk control uncertainty brought about by fragmentation into budget losses, suppressing the space for creating arbitrage structures through unlimited splitting from the source. It does not perform remedial penetration review after splitting, but rather, at the moment the asset structure changes, internalizes the cost of fragmentation risk through conservation and dissipation rules, making this cost unavoidable in any subsequent consolidation, netting, or financing.

[0025] Step S3 includes: S3-1, Input Set Validation: Perform budget voucher authenticity verification on the input voucher set involved in consolidation and netting, and verify that each input voucher is in a synthesizable state to avoid duplicate synthesis; S3-2, Combining Amount and Risk Budget: Generate output vouchers and ensure that the output amount and output risk budget respectively satisfy the following formulas: , ,in For the first Enter the voucher amount. For the first Each input voucher risk budget, the composition relation is used to ensure that the combined result budget is deterministically derived from the input budget and to guarantee that the risk budgets can only be added together and cannot be incremented; S3-3, Output Flow Budget Synthesis: The output flow budget is synthesized according to the upper limit constraint rule to ensure that it meets the requirements. ,in For the first Budget for the flow of input vouchers This formula is used to output the upper limit of the circulation budget; it is designed to prevent the diffusion radius from getting out of control due to excessively large circulation budgets obtained through merging and accumulation. S3-4, Budget Concentration Update: Define the budget concentration of the output voucher as... This represents the risk budget proportion borne by each unit of amount, used to reflect the mixed dilution effect, so that the output grade will definitely fall back with the concentration, thus blocking the grade bleaching from the mechanism. S3-5, Consolidation and Netting: Input sets, output voucher identifiers, budget synthesis results and budget concentrations are written into shared ledger audit events for cross-agency review of budget conservation and hierarchical derivation processes; Conventional methods inevitably face choices regarding rating inheritance when consolidating or netting: choosing the highest rating creates obvious channels for credit laundering, choosing the lowest rating harms liquidity, and using a weighted average relies on source disclosure and consistent reporting, often ultimately degenerating into manual penetration or prohibiting netting consolidation. Defining the risk budget of consolidation / netting output as a deterministic sum of input budgets and transforming the rating criterion from field inheritance to budget concentration per unit amount naturally results in a dilution effect: the inclusion of lower-rated components only lowers the concentration, mechanically forcing the rating to fall. This transforms the question of whether to launder credit from a strategy choice into a uniquely determined calculation result, requiring neither the disclosure of a complete source chain nor manual intervention. It converts the consolidation / netting structure, most prone to arbitrage, into a physical constraint that can only dilute, not elevate, fundamentally eliminating the possibility of exploiting loopholes through inheritance rules.

[0026] Step S4 includes: S4-1, Action Type Determination: When an output voucher is transferred, pledged for financing, rediscounted, or transferred across institutions, the current budget status of the voucher is read and the set of budget consumption parameters corresponding to the action type is determined. S4-2, Flow Budget Consumption: For action types Perform a deduction from the turnover budget to ensure that the turnover budget meets the requirements after the action. ,in Budgeting for pre-action workflow, Action type The corresponding turnover budget deduction parameters are determined by the budget strategy during system initialization and written into the action parameter table. When the action is executed, it is based on the action type. The formula is obtained from the index in the action parameter table; it is used to reduce the hierarchical flow control to a calculable budget deduction, thereby precisely controlling the diffusion level and number of times. S4-3, Risk Budget Dissipation: For Action Types Perform risk budget deductions to ensure that the post-action risk budget meets the requirements. ,in For pre-action risk budgeting, Action type The corresponding risk budget dissipation parameter is obtained from the action parameter table. This formula is used to reflect the risk cost brought about by financialization actions and to avoid obtaining a grade upgrade through frequent actions. S4-4, Occupancy Lock-in: When the action is a financing occupancy-related action, the risk budget is locked according to the occupancy ratio, so that the locked amount and the available amount respectively meet the requirements. , ,in This refers to the amount used in this financing. Action type The occupancy and locking ratio is fixed by the policy. For locked-in risk budget, This is used to create a risk budget available after the action; this relationship is used to ensure that the financing expenditure generates verifiable risk resource expenditure at the budget level, avoiding risk measurement distortion caused by duplicate expenditure. S4-5, Action Admission Determination: Determined based on post-action budget concentration and the execution threshold of the flow budget, wherein the post-action budget concentration meets the following conditions. ,in This is the current voucher amount. The post-action budget concentration; this formula is used to ensure that admission decisions are deduced deterministically from the budget status and form auditable records; Conventional practices typically use external rules such as whitelists, blacklists, credit limits, and credit ratings to constrain financing and inter-institutional transfers. However, these rules lack inherent consistency with the structural evolution of the certificates themselves (splitting, merging, netting), easily leading to discrepancies in the measurement of the same asset being repeatedly used across different institutions and links. This solution treats transfers, pledge financing, rediscounting, and inter-institutional transfers as actions that consume risk resources. When these actions are executed, the circulation budget is deducted, the risk budget is dissipated, and a portion of the risk budget is locked in financing actions, creating verifiable traces of usage. The risk costs and credit limit usage of financialization actions are embedded in the certificate status, allowing any institution to determine whether it can still be done and how much it can be done without tracing the source chain. Instead of reconciling credit limits on the institutional side afterward, it records the usage relationship as an intrinsic state of the certificate, forming a consistent constraint that can be recalculated across institutions, thereby significantly reducing duplicate financing and discrepancies in accounting.

[0027] Step S5 includes: S5-1, Graded Calculation: The graded result is jointly determined by budget concentration and turnover budget. The graded determination function is defined as follows: ,in This definition, representing the current budget concentration, ensures that the classification results are uniquely determined by the budget status and can be recalculated across agencies. S5-2, Hierarchical Interval Mapping: Setting Budget Concentration Thresholds , , and satisfy Set a turnover budget threshold , and satisfy First, determine the concentration segmentation level index based on the budgeted concentration. and satisfy The above segmentation is used to ensure any The system ensures that all values ​​fall within a single segment of the non-negative domain, thus achieving a mutually exclusive and complete partition of the budget concentration. Secondly, it determines the upper limit index of the circulation budget. Its satisfaction The above segmentation is used for any A mutually exclusive complete partition is formed within the non-negative domain, and the insufficient flow radius is transformed into a deterministic upper bound constraint on the hierarchical results, ultimately resulting in a hierarchical index. Determined and satisfied by both and the classification results According to the unique mapping of the index, ,in , , , This mapping represents the classification results of Level 1, Level 2, Level 3, and Restriction Level, and is achieved through... The final classification will be limited to the more stringent of the two: the level given by the budget concentration and the highest level allowed by the turnover budget. The combination provides a unique and definite classification result and avoids judgment gaps; S5-3, Audit Event Writing: Audit event records are formed for issuance, splitting, merging, netting, action consumption, and occupation locking. The event records include the set of input voucher identifiers, output voucher identifiers, action type, budget status before action, budget status after action, consumption amount, locking amount and hierarchical results, and authorization signature, so as to provide consistent verification across institutions. S5-4, Cross-agency Consistency Verification: Upon receiving a verification request, the system reads budget vouchers and audit event sequences from the shared ledger, recalculates budget conservation, budget concentration, and hierarchical mapping results, and compares them with ledger records to complete the verification of hierarchical flow control consistency without disclosing the complete source chain.

[0028] Conventional grading often employs parallel judgments based on several threshold conditions, which can easily lead to overlapping intervals, blurred boundaries, or gaps in judgment where certain combinations of inputs do not fall under any rule. In cross-institutional scenarios, this can directly result in different grades for the same credential at different participants, causing execution disagreements and disputes. The working principle of this solution is to perform mutually exclusive and complete segmentation of budget concentration and turnover budget, and use a fusion rule that prioritizes the most stringent segment to give a unique grade, ensuring that any input state has one and only one output grade. This step elevates grading control from empirical rules to a verifiable deterministic mapping, ensuring consistent execution across institutions. It transforms multidimensional constraints from loosely assembled conditions into a rigorous mathematical partitioning and fusion decision structure, thereby eliminating ambiguity and solidifying consistency. This has significant engineering value and audit persuasiveness in cross-institutional credential control facing privacy constraints.

[0029] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "include," "contain," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus.

[0030] Finally, it should be noted that the above descriptions are merely preferred embodiments of the present invention and are not intended to limit the present invention. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing embodiments or make equivalent substitutions for some of the technical features. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A hierarchical circulation control system for digital vouchers in supply chain finance, characterized in that: It includes a budget generation and binding module, which generates a risk budget and a circulation budget bound to the digital voucher when the digital voucher is issued, and forms a verifiable budget voucher; a circulation operation constraint module, which applies consistent budget constraints to the splitting, merging, and net settlement of digital vouchers and updates the budget status to maintain budget conservation; and a compliance judgment and audit module, which outputs hierarchical circulation control decisions based on the budget status and forms verifiable audit records across institutions when digital vouchers are transferred, used for financing, or transferred across institutions.

2. The hierarchical circulation control system for digital vouchers in supply chain finance according to claim 1, characterized in that: The budget generation and binding module includes a budget initialization submodule, a budget voucher issuance submodule, and a budget registration submodule. The budget initialization submodule is used to generate an initial budget status based on the digital voucher amount and credit rating. The budget voucher issuance submodule is used to bind the budget status and voucher identifier and generate an authorized signature voucher. The budget registration submodule is used to write the budget status and signature voucher into a shared ledger for cross-institutional verification. The flow operation constraint module includes a splitting and allocation submodule, a merging and synthesis submodule, a net amount synthesis submodule, and a conservation verification submodule. The splitting and allocation submodule is used to allocate the budget according to the splitting result and generate the budget status of the sub-voucher. The merging and synthesis submodule is used to perform budget summation on the input voucher set and generate the budget status of the merged voucher. The net amount synthesis submodule is used to perform net amount budget synthesis on the clearing input set and generate the budget status of the net result voucher. The conservation verification submodule is used to verify the budget conservation and dissipation constraints before and after the operation and output the verification result. The compliance assessment and audit module includes an action consumption submodule, an occupation locking submodule, a hierarchical mapping submodule, and an audit event submodule. The action consumption submodule is used to deduct the turnover budget according to the action type and the risk budget according to the rules. The occupation locking submodule is used to lock the risk budget when financing actions occur to reflect risk occupation. The hierarchical mapping submodule is used to give hierarchical results and a set of allowed actions based on the budget status. The audit event submodule is used to write the input-output relationship of each operation and budget changes into a verifiable audit event sequence.

3. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 2, characterized in that: The system operates by including the following steps: S1, Issuance and Budget Generation: When digital vouchers are issued, risk budgets and circulation budgets are generated and bound to voucher identifiers. At the same time, budget status and authorization vouchers are registered to the shared ledger so that different institutions can consistently verify the source and validity of budgets. S2, Split and Flow Control: When a digital voucher is split into multiple sub-vouchers, the risk budget and flow budget are allocated to each sub-voucher according to the splitting result and the budget status of the sub-vouchers is updated. At the same time, a splitting operation voucher is generated and the conservation check is completed. S3, Consolidation and Net Settlement Control: When multiple digital vouchers are consolidated and netted, a unified budget synthesis rule is executed on the set of input vouchers and the budget status of the output vouchers is updated, so that the output budget is deterministically derived from the input budget and the conservation check is completed. S4, Action Compliance Judgment and Budget Consumption: When digital vouchers are transferred, pledged for financing, rediscounted, or transferred across institutions, budget consumption and risk budget occupancy lock are executed according to the action type, and the set of allowed actions and control decisions are output based on the current budget status; S5, Hierarchical Mapping and Audit: Calculate the corresponding hierarchical results based on the budget status and write them into the audit event, enabling cross-organizational verification of the consistency between budget conservation relationships, compliance decisions, and hierarchical results without disclosing the complete source chain.

4. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 3, characterized in that: Step S1 includes: S1-1, Voucher Identifier Generation: Generate a unique voucher identifier and solidify the issuing entity, the entity responsible for redemption upon maturity, and the redemption conditions of the voucher; S1-2, Initial Risk Budget Generation and Binding: An initial risk budget is generated based on the credit assessment and bound to the voucher identifier for registration. The initial risk budget satisfies the following formula: ,in The initial amount of the voucher at the time of issuance. For the initial risk budget tied to this voucher, The risk budget coefficient is determined by the authorized entity based on risk control assessment and then written into the budget voucher. S1-3, Initial Circulation Budget Generation and Binding: An initial circulation budget is generated based on the hierarchical circulation radius control strategy and bound to the voucher identifier for registration. The initial circulation budget satisfies the formula... ,in For the initial circulation budget of this voucher, The initial settings are determined by the hierarchical transfer strategy; S1-4, Budget Voucher Issuance and Registration: Budget vouchers containing voucher identifiers, amounts, risk budgets, circulation budgets, and issuance timestamps shall be signed by the authorized entity and written into the shared ledger.

5. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 4, characterized in that: Step S2 includes: S2-1, Determining the splitting result: Receive the splitting request and determine the number of sub-vouchers and the amount of each sub-voucher, ensuring that the set of sub-voucher amounts satisfies the amount conservation formula: ,in For the first Amount of each individual voucher; S2-2, Risk budget is allocated proportionally and dissipated by splitting: The original voucher risk budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and fragmented dissipation is introduced to make the risk budget of the first voucher... Individual voucher risk budget satisfies the formula: ,in For the original voucher risk budget, To split the dissipation coefficient and satisfy ; S2-3, Proportional Allocation and Split Dissipation of Turnover Budget: The original voucher turnover budget is allocated to each sub-voucher according to the proportion of the sub-voucher amount, and split dissipation is introduced to make the first... The budget for the circulation of individual vouchers satisfies the formula. ,in Decompose the dissipation factor for the circulation budget and satisfy ; S2-4, Non-negativity Constraints and Registration: Apply non-negativity constraints to each sub-document and satisfy them. , At the same time, the relationship between the original voucher and the sub-voucher, the budget allocation results and the dissipation amount are written into the audit event.

6. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 5, characterized in that: Step S3 includes: S3-1, Input Set Validation: Perform budget voucher authenticity verification on the input voucher set involved in consolidation and netting, and verify that each input voucher is in a synthesizable state to avoid duplicate synthesis; S3-2, Combining Amount and Risk Budget: Generate output vouchers and ensure that the output amount and output risk budget respectively satisfy the following formulas: , ,in For the first Enter the voucher amount. For the first Risk budget for each input voucher; S3-3, Output Flow Budget Synthesis: The output flow budget is synthesized according to the upper limit constraint rule to ensure that it meets the requirements. ,in For the first Budget for the flow of input vouchers To set the upper limit of the output flow budget; S3-4, Budget Concentration Update: Define the budget concentration of the output voucher as... This indicates the proportion of risk budget carried per unit of amount; S3-5, Consolidation and Netting: Write the input set, output voucher identifier, budget synthesis result, and budget concentration into the shared ledger audit event.

7. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 6, characterized in that: Step S4 includes: S4-1, Action Type Determination: When an output voucher is transferred, pledged for financing, rediscounted, or transferred across institutions, the current budget status of the voucher is read and the set of budget consumption parameters corresponding to the action type is determined. S4-2, Flow Budget Consumption: For action types Perform a deduction from the turnover budget to ensure that the turnover budget meets the requirements after the action. ,in Budgeting for pre-action workflow, Action type The corresponding turnover budget deduction parameters are determined by the budget strategy during system initialization and written into the action parameter table. When the action is executed, it is based on the action type. It is read from the index in the action parameter table; S4-3, Risk Budget Dissipation: For Action Types Perform risk budget deductions to ensure that the post-action risk budget meets the requirements. ,in For pre-action risk budgeting, Action type The corresponding risk budget dissipation parameters are obtained by indexing the action parameter table; S4-4, Occupancy Lock-in: When the action is a financing occupancy-related action, the risk budget is locked according to the occupancy ratio, so that the locked amount and the available amount respectively meet the requirements. , ,in This refers to the amount used in this financing. Action type The occupancy and locking ratio is fixed by the policy. For locked-in risk budget, For the risk budget available after the action; S4-5, Action Admission Determination: Determined based on post-action budget concentration and the execution threshold of the flow budget, wherein the post-action budget concentration meets the following conditions. ,in This is the current voucher amount. The budgeted concentration after the action.

8. A hierarchical circulation control system for digital vouchers in supply chain finance according to claim 7, characterized in that: Step S5 includes: S5-1, Graded Calculation: The graded result is jointly determined by budget concentration and turnover budget. The graded determination function is defined as follows: ,in The current budget concentration; S5-2, Hierarchical Interval Mapping: Setting Budget Concentration Thresholds , , and satisfy Set a turnover budget threshold , and satisfy First, determine the concentration segmentation level index based on the budgeted concentration. and satisfy The above segmentation is used to ensure any The system ensures that all values ​​fall within a single segment of the non-negative domain, thus achieving a mutually exclusive and complete partition of the budget concentration. Secondly, it determines the upper limit index of the circulation budget. Its satisfaction The above segmentation is used for any A mutually exclusive complete partition is formed within the non-negative domain, and the insufficient flow radius is transformed into a deterministic upper bound constraint on the hierarchical results, ultimately resulting in a hierarchical index. Determined and satisfied by both and the classification results According to the unique mapping of the index, ,in , , , This indicates the classification results of Level 1, Level 2, Level 3, and Restricted Level; S5-3, Audit Event Writing: Audit event records are formed for issuance, splitting, merging, netting, action consumption, and occupation locking. The event records include the set of input voucher identifiers, output voucher identifiers, action type, budget status before action, budget status after action, consumption amount, locking amount and hierarchical results, and authorization signature, so as to provide consistent verification across institutions. S5-4, Cross-agency Consistency Verification: Upon receiving a verification request, the system reads budget vouchers and audit event sequences from the shared ledger, recalculates budget conservation, budget concentration, and hierarchical mapping results, and compares them with ledger records to complete the verification of hierarchical flow control consistency without disclosing the complete source chain.

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