CN112419043A - Automobile supply chain financial service platform and method based on block chain technology - Google Patents
Automobile supply chain financial service platform and method based on block chain technology Download PDFInfo
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Abstract
The automobile supply chain financial service platform provided by the invention receives contract information and invoice information added by a supplier and sends the contract information and the invoice information to a core enterprise; when an approval pass instruction submitted by a core enterprise is received, a Wei chain cloud certificate held by a supplier is generated, wherein the Wei chain cloud certificate comprises an electronic certificate of accounts receivable of the supplier; when a Wei chain cloud certificate flow instruction initiated by a supplier is received, the Wei chain cloud certificate flow held by the supplier is transferred to a next-level supplier; when a Wei chain cloud certificate financing instruction initiated by a supplier is received, applying a Wei chain cloud certificate held by the supplier for financing to a financial institution; and when the account period of the Wei-cate cloud certificate is detected to expire, the Wei-cate cloud certificate is cashed. The generation, holding, splitting, circulation, financing, cashing and trade background information of the Wei chain cloud certificate in the platform adopt a block chain technology to store the certificate, so that data cannot be falsified, the problems of difficult authority confirmation and high financing cost of a supplier are solved, and meanwhile, the account period of accounts receivable by the supplier is obviously reduced.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to an automobile supply chain financial service platform and method based on a block chain technology.
Background
In the existing automotive industry, payment between a supplier and a core enterprise is usually made according to a conventional three-month accounting period, and when the three-month accounting period expires, the core enterprise pays money to the supplier.
Therefore, the automobile industry calculates according to the conventional three-month account period, which causes that accounts receivable of a supplier for at least 3 months cannot be checked out, and the turnover efficiency of the accounts receivable inventory funds is low. The market volume of the total accounts receivable in the automotive industry is no less than 2 trillion, 1/4, which is equivalent to a total purchase, with an average total amount of accounts receivable exceeding 5 billion for each level of supplier.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides the automobile supply chain financial service platform and the method based on the block chain technology, so that the defect that the authority of a supplier is difficult to confirm is overcome, and meanwhile, the account period of accounts receivable of the supplier is obviously reduced.
In a first aspect, an automotive supply chain financial service platform based on a block chain technology comprises a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are connected with each other, the memory is used for storing a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions and execute the following method:
receiving contract information and invoice information added by a supplier client, and sending the contract information and the invoice information to a core enterprise client;
when an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information is received, a Wei-cate cloud certificate held by a supplier client is generated; the Wei-cate cloud certificate comprises an electronic certificate of accounts receivable of the supplier;
when a Wei chain cloud certificate flow instruction initiated by a client of a supplier is received, the Wei chain cloud certificate flow held by the supplier is transferred to a next-level supplier;
when a Wei chain cloud certificate financing instruction initiated by a supplier client is received, applying a Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the account period of the Wei-cate cloud certificate is detected to expire, the Wei-cate cloud certificate is cashed.
Preferably, the Wei chain cloud certificates are generated on the blockchain, and the core enterprise information, the supplier information, the circulation information, the financing information and the redemption information are recorded, wherein each Wei chain cloud certificate uniquely corresponds to one Wei chain cloud certificate check code.
Preferably, the processor is configured to call program instructions, specifically to perform the following method:
when a credit granting instruction of a financial institution client is received, granting credit to the core enterprise client, and generating a credit granting amount of the core enterprise according to a financial product selected by the core enterprise client;
receiving contract information added by a provider client, and sending the contract information to a core enterprise client;
when a first approval passing instruction aiming at the contract information of the core enterprise client is received, receiving invoice information added by a supplier client, and sending the invoice information to the core enterprise client;
and when a second approval passing instruction aiming at the invoice information of the core enterprise client side is received and the limit in the contract information meets the credit line of the core enterprise, generating the Weilian cloud certificate.
Preferably, the processor is configured to invoke program instructions to perform the following method after the generation of the wishbone certificate:
when a Wei chain cloud certificate query instruction of a provider client is received, querying one or more of the following information in the Wei chain cloud certificate: the system comprises a Wei-cate cloud certificate check code, an invoice number, an invoice state, core enterprise information, money, creation time, a state and account period time; wherein the invoice status includes a ledger or unpaid; the status includes valid, circulated, pending, in financing, financed, in redemption, redeemed, frozen, or overdue financing.
Preferably, the processor is configured to call program instructions, specifically to perform the following method:
when a wishbone cloud certificate selected by a provider client is received and a wishbone cloud certificate circulation instruction is initiated for the wishbone cloud certificate, next-level provider information, circulation amount and a dynamic verification code are input, and when the dynamic verification code is correct, a new wishbone cloud certificate is generated according to the provider information, the next-level provider information and the circulation amount, and the new wishbone cloud certificate is sent to a next-level provider;
and after the next-stage supplier signs the Wei-Ling cloud certificate, generating a circulation service fee according to the Wei-Ling cloud certificate circulation, and generating a service fee Wei-Ling cloud certificate held by the automobile supply chain financial service platform according to the circulation service fee.
Preferably, the processor is configured to invoke program instructions to perform the following method after the sending of the new wishbone cloud certificate to the next vendor hold:
when a Wei chain cloud certificate flow query instruction of a provider client is received, one or more of the following information is queried: the system comprises a Wei chain cloud certificate check code, a holder, the amount of money, a new Wei chain cloud certificate check code, a new holder, the amount of money, a remaining Wei chain cloud certificate check code, the remaining amount of money and a circulation state.
Preferably, the processor is configured to call program instructions, specifically to perform the following method:
when a wishbone cloud certificate selected by a supplier client and a wishbone cloud certificate financing instruction is initiated to a financial institution client aiming at the wishbone cloud certificate, a financing application is submitted to the financial institution client according to a selected financial product;
when a financing confirmation instruction initiated by the financial institution client aiming at the financing application and a review pass instruction initiated aiming at the financing confirmation instruction are received, completing a financing payment process between the financial institution and a supplier;
and after the financing payment process between the financial institution and the supplier is completed, generating the financing wishbone cloud certificate held by the financial institution according to the wishbone cloud certificate check code, the wishbone cloud certificate amount, the supplier information and the financial institution information.
Preferably, financing, circulation and redemption of the financing wire cloud certificate are implemented on a blockchain.
Financing wishbone cloud certificate preferably, the processor is configured to invoke program instructions to perform the following method after the application for financing to a financial institution client:
when detecting that the account period of the Wei chain cloud certificate or the financing Wei chain cloud certificate expires, initiating a cashing application to the core enterprise client;
when payment operation of a core enterprise client is received, carrying out money transfer on a Wei chain cloud certificate or a Wei chain cloud certificate holder of a financing Wei chain cloud certificate according to an intelligent contract;
when receiving the account confirmation of the Wei chain cloud certificate or the financing Wei chain cloud certificate holder, the cashing process is ended.
In a second aspect, a block chain technology-based automobile supply chain financial service method includes the following steps:
when receiving contract information and invoice information added by a supplier client, the financial service platform sends the contract information and the invoice information to a core enterprise client;
when receiving an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information, the financial service platform generates a Wei chain cloud certificate held by a supplier client;
when receiving a Wei chain cloud certificate flow instruction initiated by a client of a supplier, the financial service platform transfers the Wei chain cloud certificate flow held by the supplier to a next-level supplier;
when receiving a Wei chain cloud certificate financing instruction initiated by a supplier client, the financial service platform applies the Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the financial service platform detects that the account period of the Wei-chain cloud certificate expires, the financial service platform completes the cashing of the Wei-chain cloud certificate.
According to the technical scheme, the automobile supply chain financial service platform and the method based on the block chain technology have the following advantages:
for core enterprises, all businesses are as old as possible without extra risks and cost burden on the premise of ensuring payment according to the account period.
For a supplier, the westernon cloud certificate financing improves the fund transfer efficiency, really realizes the zero account period, the westernon cloud certificate can be infinitely split and transferred, has strong flexibility, and the supplier can apply the held westernon cloud certificate to financing institutions for financing, and simultaneously obviously reduces the account period of accounts receivable by the supplier.
For a financial institution, credit business can be greatly expanded through financial innovation, and a batch of high-quality client resources of medium and small enterprises can be obtained.
In the platform and the method, the generation, holding, splitting, circulation, financing, cashing and trade background information of the Wei-chain cloud certificate are stored by adopting a block chain technology, so that the data cannot be falsified, the problems of difficult authority confirmation and high financing cost of a supplier are solved, and the account period of accounts receivable by the supplier is obviously reduced.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
Fig. 1 is a block diagram of a financial service platform according to an embodiment of the present invention.
Fig. 2 is a flowchart of a wiki cloud certificate generation method according to a second embodiment of the present invention.
Fig. 3 is a flowchart of a wei chain cloud certificate flow method according to a second embodiment of the present invention.
Fig. 4 is a flowchart of a wechat cloud evidence financing method according to a third embodiment of the present invention.
Fig. 5 is a flowchart of a westernon cloud certificate redemption method provided by the third embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby. It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the invention pertains.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
The first embodiment is as follows:
an automobile supply chain financial service platform based on a block chain technology, referring to fig. 1, comprises a processor 801, an input device 802, an output device 803 and a memory 804, wherein the processor 801, the input device 802, the output device 803 and the memory 804 are connected with each other through a bus 805, wherein the memory 804 is used for storing a computer program, the computer program comprises program instructions, and the processor 801 is configured to call the program instructions and execute the following method:
receiving contract information and invoice information added by a supplier client, and sending the contract information and the invoice information to a core enterprise client;
specifically, the contract information mainly includes a purchase contract, and the core enterprise can be supplied by the provider to the core enterprise after signing the purchase contract with the provider. The request for generating the wishbone certificate is initiated by a supplier who needs to submit contract information and invoice information at the time of application.
When an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information is received, a Wei-cate cloud certificate held by a supplier client is generated; the Wei-cate cloud certificate comprises an electronic certificate of accounts receivable of the supplier;
specifically, when a supplier provides contract information and invoice information to the financial service platform, the financial service platform needs a core enterprise to examine whether the contract information and the invoice information are correct, and if so, a Wei-cate cloud certificate is generated according to the contract information and the invoice information.
When a Wei chain cloud certificate flow instruction initiated by a client of a supplier is received, the Wei chain cloud certificate flow held by the supplier is transferred to a next-level supplier;
in particular, the Weikan cloud certificate can be used for paying contract payment and supporting circulation among suppliers at all levels. For example, supplier a may transfer a wekson certificate to supplier B for payment of supplier B's contractual payment.
When a Wei chain cloud certificate financing instruction initiated by a supplier client is received, applying a Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the account period of the Wei-cate cloud certificate is detected to expire, the Wei-cate cloud certificate is cashed.
In particular, a financial institution may provide financing services to a supplier holding a wishland cloud certificate, the platform also providing redemption services.
The platform can automatically generate the circulated, financed and redeemable Wei chain cloud certificate, achieve the aim of financial innovation of the supply chain and realize transparent visibility of financial information of the multi-level supply chain. For core enterprises, all businesses are kept as old on the premise of ensuring payment according to the account period, no additional risk and cost burden exist, and the account period of accounts receivable by a supplier is obviously reduced.
For a supplier, the fund transfer efficiency is improved, the zero account period is really realized, the Wei chain cloud certificate can be infinitely split and transferred, the flexibility is strong, and the Wei chain cloud certificate can apply for financing to a financial institution.
For a financial institution, credit business can be greatly expanded through financial innovation, and a batch of high-quality client resources of medium and small enterprises can be obtained.
Preferably, the wishbone certificate is generated on a blockchain; recording core enterprise information, supplier information, circulation information, financing information and cashing information; wherein each Wei chain cloud certificate uniquely corresponds to a Wei chain cloud certificate check code.
Specifically, the platform stores platform data by adopting a block chain technology, truly records data such as accounts payable, accounts receivable, financing, circulation, cash payment and the like, is authentic, cannot be tampered, is public and transparent, and can be inquired at any time.
It should be understood that in the present embodiment, the Processor 801 may be a Central Processing Unit (CPU), and the Processor may be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The input device 802 may include a touch pad, a fingerprint sensor (for collecting fingerprint information of a user and direction information of the fingerprint), a microphone, etc., and the output device 803 may include a display (LCD, etc.), a speaker, etc.
The memory 804 may include both read-only memory and random access memory, and provides instructions and data to the processor 801. A portion of the memory 804 may also include non-volatile random access memory. For example, the memory 804 may also store device type information.
Example two:
the second embodiment is added with the following contents on the basis of the first embodiment:
referring to fig. 2, the processor is configured to call program instructions, specifically to perform the following method:
when a credit granting instruction of a financial institution client is received, granting credit to the core enterprise client, and generating a credit granting amount of the core enterprise according to a financial product selected by the core enterprise client;
receiving contract information added by a provider client, and sending the contract information to a core enterprise client;
specifically, the contract information includes contract name, first party unified social credit number, first party principal, payment method, contract effective date, contract subject matter and accessories, monthly payment date, second party unified social credit number, second party principal, account period, contract expiration date, and the like.
When a first approval passing instruction aiming at the contract information of the core enterprise client is received, receiving invoice information added by a supplier client, and sending the invoice information to the core enterprise client;
specifically, the core enterprise may confirm or reject the contract information input by the provider, confirm the contract information when the contract information input by the provider is correct, and reject the contract information when the contract information input by the provider is incorrect. After the core enterprise confirms the contract information, the supplier provides invoice information. The invoice information includes invoice number, invoice holder, invoice status, taxpayer identification number, expected payment date, corresponding contract number, contract expiration date, invoice code, invoice amount, core enterprise name, invoicing time, tax rate, contract name, contract status, invoice check code, social uniform credit code, payment method, account period, invoice attachment, contract validation date, and the like.
And when a second approval passing instruction aiming at the invoice information of the core enterprise client side is received and the limit in the contract information meets the credit line of the core enterprise, generating the Weilian cloud certificate.
Specifically, similarly, after the core enterprise approves the invoice information, the invoice information is confirmed or rejected. The Wei chain cloud certificate generated by the platform comprises a Wei chain cloud certificate check code, a certificate amount, a certificate state, a certificate holder, creation time, an applicant, an account payment date, a core enterprise, contract information and invoice information.
Preferably, the processor is configured to invoke program instructions to perform the following method after the generation of the wishbone certificate:
when a Wei chain cloud certificate query instruction of a provider client is received, querying one or more of the following information in the Wei chain cloud certificate: the system comprises a Wei-cate cloud certificate check code, an invoice number, an invoice state, core enterprise information, money, creation time, a state and account period time; wherein the invoice status includes a ledger or unpaid; the status includes valid, circulated, pending, in financing, financed, in redemption, redeemed, frozen, or overdue financing.
Specifically, the platform also provides for vendor and core enterprise queries for the generated wisdom chain cloud certificates.
Referring to fig. 3, the processor is configured to call program instructions, specifically to perform the following method:
when a wishbone cloud certificate selected by a provider client is received and a wishbone cloud certificate circulation instruction is initiated for the wishbone cloud certificate, next-level provider information, circulation amount and a dynamic verification code are input, and when the dynamic verification code is correct, a new wishbone cloud certificate is generated according to the provider information, the next-level provider information and the circulation amount, and the new wishbone cloud certificate is sent to a next-level provider for holding;
and after the next-stage supplier signs the Wei-Ling cloud certificate, generating a circulation service fee according to the Wei-Ling cloud certificate circulation, and generating a service fee Wei-Ling cloud certificate held by the automobile supply chain financial service platform according to the circulation service fee.
Specifically, the next-level provider information includes the inbound enterprise and the inbound enterprise social credit code. When the supplier client initiates a Wei-cate cloud certificate circulation instruction, the supplier client also inputs circulation amount, a short message verification code, a payment password Wei-cate cloud certificate and the like, wherein the circulation amount is less than or equal to the Wei-cate cloud certificate of the certificate amount of the Wei-cate cloud certificate. The supplier may forward the full monetary flow of the wishbone certificate to the next level of supplier. Or part of money in the Wei chain cloud certificate can be transferred to the next-level supplier, and the Wei chain cloud certificate is split and transferred. And after the new Wei chain cloud certificate is generated, sending the new Wei chain cloud certificate to a next-level supplier for holding. And generating a service fee Wei chain cloud certificate corresponding to the circulation service fee according to the circulation process of the Wei chain cloud certificate, and holding the service fee Wei chain cloud certificate by the platform.
Preferably, the processor is configured to invoke program instructions to perform the following method after the sending of the new wishbone cloud certificate to the next vendor hold:
when a Wei chain cloud certificate flow query instruction of a provider client is received, one or more of the following information is queried: the system comprises a Wei chain cloud certificate check code, a holder, the amount of money, a new Wei chain cloud certificate check code, a new holder, the amount of money, a remaining Wei chain cloud certificate check code, the remaining amount of money and a circulation state.
Specifically, when a supplier breaks the Wei chain cloud certificate into several shares for circulation, a new Wei chain cloud certificate and a new Wei chain cloud certificate check code are generated according to the circulation amount, and the remaining Wei chain cloud certificate check code is generated according to the remaining amount. The platform supplier can inquire the circulation record of the Wiskink certificate, and the use is convenient.
For a brief description of the platform provided in the embodiments of the present invention, the corresponding contents in the foregoing platform embodiments may be referred to.
Example three:
example three on the basis of the above example, the following is added:
referring to fig. 4, the processor is configured to call program instructions, specifically to perform the following method:
when a wishbone cloud certificate selected by a supplier client and a wishbone cloud certificate financing instruction is initiated to a financial institution client aiming at the wishbone cloud certificate, a financing application is submitted to the financial institution client according to a selected financial product;
specifically, when the supplier submits the financing application, the short message verification code and the payment password are entered.
When a financing confirmation instruction initiated by the financial institution client aiming at the financing application and a review pass instruction initiated aiming at the financing confirmation instruction are received, completing a financing payment process between the financial institution and a supplier;
specifically, the financial institution, upon receiving the financing application, may review the wishbone certificate basic information (including wishbone certificate check code, voucher amount, voucher status, voucher holder, creation time, applicant, etc.), invoice information, and financing information (including financing amount, interest rate, service charge, term, actual account amount, estimated account time, application time, applicant, etc.). The financial institution may choose to confirm or deny the supplier's financing application while returning the remark information to the supplier.
After the financing payment process between the financial institution and the supplier is completed, a financing westernon cloud certificate (T1 in fig. 4) is generated according to the westernon cloud certificate check code, the westernon cloud certificate amount, the supplier information and the financial institution information and is sent to the financial institution for holding. After the platform completes financing, a financing service fee can be generated according to the financing service, and a service fee chain cloud certificate held by the platform can be generated according to the financing service fee and the financing interest (F1 in fig. 4).
Specifically, the financing payment process may adopt a method that the financial institution confirms the financing application of the provider, and at this time, the platform sends account confirmation information to the provider client, where the account confirmation information includes an invoice number, a wishbone certificate check code, financing interest, a wishbone certificate amount, an actual account, a platform service charge, a financial institution, a holder, a transfer line, a transfer-in line, a transfer-out account, a transfer-in account, a transfer-out person, an affirmation person, a transfer-out time, an affirmation result, a transfer screenshot, and account arrival information. When the supplier confirms the account confirmation information, the platform returns account details to the financial institution and generates a financing Weilian cloud certificate (T1 in FIG. 4) to be sent to the financial institution.
Preferably, financing, circulation and redemption of the Wei chain cloud certificate are realized on the blockchain.
Referring to fig. 5, the processor is configured to invoke program instructions to perform the following method after applying for financing to a financial institution client:
when detecting that the account period of the Wei chain cloud certificate or the financing Wei chain cloud certificate expires, initiating a cashing application to the core enterprise client;
when payment operation of a core enterprise client is received, carrying out money transfer on a Wei chain cloud certificate or a Wei chain cloud certificate holder of a financing Wei chain cloud certificate according to an intelligent contract;
when receiving the account confirmation of the Wei chain cloud certificate or the financing Wei chain cloud certificate holder, the cashing process is ended.
Specifically, before the account payment date of the Wei-cate cloud certificate expires, the platform sends out a payment reminder to the core enterprise, and the core enterprise performs payment processing when the payment expires. And a third-party payment mechanism in the platform automatically transfers the money to each Wien cloud certificate holder according to an intelligent contract, the account of each Wien cloud certificate holder is automatically checked out according to the account to be collected, and then the account is checked out and confirmed in the platform respectively to finish the Wien cloud certificate cashing. The service fee chain cloud certificate is paid by the receiver supplier.
The platform also authenticates the core enterprise information, the supplier information, the contract information, the invoice information and the Wei chain cloud certificate information on the block chain, and prevents the core enterprise information, the supplier information, the contract information, the invoice information and the Wei chain cloud certificate information from being tampered. Wei chain cloud certificate
For a brief description of the platform provided in the embodiments of the present invention, the corresponding contents in the foregoing platform embodiments may be referred to.
Example four:
a block chain technology-based automobile supply chain financial service method comprises the following steps:
when receiving contract information and invoice information added by a supplier client, the financial service platform sends the contract information and the invoice information to a core enterprise client;
when receiving an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information, the financial service platform generates a Wei chain cloud certificate held by a supplier client;
when receiving a Wei chain cloud certificate flow instruction initiated by a client of a supplier, the financial service platform transfers the Wei chain cloud certificate flow held by the supplier to a next-level supplier;
when receiving a Wei chain cloud certificate financing instruction initiated by a supplier client, the financial service platform applies the Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the financial service platform detects that the account period of the Wei-chain cloud certificate expires, the financial service platform completes the cashing of the Wei-chain cloud certificate.
Preferably, the Wei chain cloud certificates are generated on the blockchain, and the core enterprise information, the supplier information, the circulation information, the financing information and the redemption information are recorded, wherein each Wei chain cloud certificate uniquely corresponds to one Wei chain cloud certificate check code.
Preferably, when receiving contract information and invoice information added by a supplier client, the financial service platform sends the contract information and the invoice information to a core enterprise client; when receiving an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information, the financial service platform generates a Wei-cate cloud certificate held by a supplier client, and the method specifically comprises the following steps:
when receiving a credit granting instruction of a financial institution client, the financial service platform grants credit to the core enterprise client, and generates a credit granting amount of the core enterprise according to a financial product selected by the core enterprise client;
the financial service platform receives contract information added by a supplier client and sends the contract information to a core enterprise client;
when receiving a first approval passing instruction of the core enterprise client aiming at the contract information, the financial service platform receives invoice information added by a supplier client and sends the invoice information to the core enterprise client;
and when a second approval passing instruction aiming at the invoice information of the core enterprise client side is received by the financial service platform and the limit in the contract information meets the credit line of the core enterprise, generating the Weilian cloud certificate.
Preferably, after the westernon cloud certificate is generated, the method further comprises:
when the financial service platform receives a Wei chain cloud certificate inquiry instruction of a supplier client, inquiring one or more of the following information in the Wei chain cloud certificate: the system comprises a Wei-cate cloud certificate check code, an invoice number, an invoice state, core enterprise information, money, creation time, a state and account period time; wherein the invoice status includes a ledger or unpaid; the status includes valid, circulated, pending, in financing, financed, in redemption, redeemed, frozen, or overdue.
Preferably, when receiving a westernon cloud certificate flow instruction initiated by a client of a provider, the financial service platform transfers the westernon cloud certificate flow held by the provider to a next-level provider, which specifically includes:
when a financial service platform receives a wishbone cloud certificate selected by a provider client and initiates a wishbone cloud certificate circulation instruction for the wishbone cloud certificate, inputting next-level provider information, circulation amount and a dynamic verification code, and when the dynamic verification code is correct, generating a new wishbone cloud certificate according to the provider information, the next-level provider information and the circulation amount, and sending the new wishbone cloud certificate to a next-level provider for holding;
and after the next-stage supplier signs the Wei-Ling cloud certificate, generating a circulation service fee according to the Wei-Ling cloud certificate circulation, and generating a service fee Wei-Ling cloud certificate held by the automobile supply chain financial service platform according to the circulation service fee.
Preferably, after sending the new wishbone cloud certificate to the next vendor hold, the method further comprises:
the financial service platform charges corresponding service fee to a supplier client initiating the Wei-chain cloud certificate circulation instruction;
when receiving a Wei chain cloud certificate flow query instruction of a provider client, the financial service platform queries one or more of the following information: the system comprises a Wei chain cloud certificate check code, a holder, the amount of money, a new Wei chain cloud certificate check code, a new holder, the amount of money, a remaining Wei chain cloud certificate check code, the remaining amount of money and a circulation state.
Preferably, when receiving a westernon cloud certificate financing instruction initiated by a client of a supplier, the financial service platform applies for financing from the client of a financial institution with the westernon cloud certificate held by the supplier specifically includes:
when a financial service platform receives a wishbone cloud certificate selected by a supplier client and initiates a wishbone cloud certificate financing instruction to a financial institution client aiming at the wishbone cloud certificate, a financing application is submitted to the financial institution client according to a selected financial product;
when receiving a financing confirmation instruction initiated by the financial institution client aiming at the financing application and a review passing instruction initiated aiming at the financing confirmation instruction, the financial service platform completes the financing payment process between the financial institution and the supplier;
after the financial service platform finishes the financing payment process between the financial institution and the supplier, the financing westernon cloud certificate held by the financial institution is generated according to the westernon cloud certificate check code, the westernon cloud certificate amount, the supplier information and the financial institution information.
Preferably, financing, circulation and redemption of the financing wire cloud certificate are implemented on a blockchain.
Preferably, after applying for financing to the financial institution client, the method further comprises:
when detecting that the account period of the Wei chain cloud certificate, the service fee Wei chain cloud certificate or the financing Wei chain cloud certificate expires, the financial service platform initiates a cash-in application to the core enterprise client;
when receiving payment operation of a core enterprise client, the financial service platform transfers money to a Wired cloud certificate, a service fee Wired cloud certificate or a financing Wired cloud certificate holder according to an intelligent contract;
and when the financial service platform receives account arrival confirmation of the Wick cloud certificate, the service fee Wick cloud certificate or the financing Wick cloud certificate holder, the cashing process is ended.
For core enterprises, all businesses are as old as possible without extra risks and cost burden on the premise of ensuring payment according to the account period.
For a supplier, the Wei chain cloud certificate financing improves the fund transfer efficiency, really realizes the zero account period, the Wei chain cloud certificate can be infinitely split and transferred, the flexibility is strong, and the supplier can apply the held Wei chain cloud certificate to financing institutions for financing.
For a financial institution, credit business can be greatly expanded through financial innovation, and a batch of high-quality client resources of medium and small enterprises can be obtained.
In the platform and the method, the generation, holding, splitting, circulation, financing and cashing of the Wei-cate cloud certificate adopt the block chain technology to store the certificate, so that the problem that the certificate of a supplier is difficult to confirm and the financing cost is high is solved, and meanwhile, the account period of the account receivable of the supplier is obviously reduced.
For the sake of brief description, the method provided by the embodiment of the present invention may refer to the corresponding contents in the foregoing method embodiments.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. An automobile supply chain financial service platform based on a block chain technology, which is characterized by comprising a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are connected with each other, the memory is used for storing a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions and execute the following method:
receiving contract information and invoice information added by a supplier client, and sending the contract information and the invoice information to a core enterprise client;
when an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information is received, a Wei-cate cloud certificate held by a supplier client is generated; the Wei-cate cloud certificate comprises an electronic certificate of accounts receivable of the supplier;
when a Wei chain cloud certificate flow instruction initiated by a client of a supplier is received, the Wei chain cloud certificate flow held by the supplier is transferred to a next-level supplier;
when a Wei chain cloud certificate financing instruction initiated by a supplier client is received, applying a Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the account period of the Wei-cate cloud certificate is detected to expire, the Wei-cate cloud certificate is cashed.
2. The block chain technology-based automotive supply chain financial service platform of claim 1,
the Wei chain cloud certificate is generated on a block chain; recording core enterprise information, supplier information, circulation information, financing information and cashing information; wherein each Wei chain cloud certificate uniquely corresponds to a Wei chain cloud certificate check code.
3. The blockchain technology based automotive supply chain financial services platform of claim 2, wherein the processor is configured to invoke program instructions to perform the following method:
when a credit granting instruction of a financial institution client is received, granting credit to the core enterprise client, and generating a credit granting amount of the core enterprise according to a financial product selected by the core enterprise client;
receiving contract information added by a provider client, and sending the contract information to a core enterprise client;
when a first approval passing instruction aiming at the contract information of the core enterprise client is received, receiving invoice information added by a supplier client, and sending the invoice information to the core enterprise client;
and when a second approval passing instruction aiming at the invoice information of the core enterprise client side is received and the limit in the contract information meets the credit line of the core enterprise, generating the Weilian cloud certificate.
4. The blockchain technology based automotive supply chain financial service platform of claim 3, wherein the processor is configured to call program instructions to perform the following method after the generation of the Wei-Ling cloud certificate:
when a Wei chain cloud certificate query instruction of a provider client is received, querying one or more of the following information in the Wei chain cloud certificate: the system comprises a Wei-cate cloud certificate check code, an invoice number, an invoice state, core enterprise information, money, creation time, a state and account period time; wherein the invoice status includes a ledger or unpaid; the status includes valid, circulated, pending, in financing, financed, in redemption, redeemed, frozen, or overdue financing.
5. The blockchain technology based automotive supply chain financial services platform of claim 2, wherein the processor is configured to invoke program instructions to perform the following method:
when a wishbone cloud certificate selected by a provider client is received and a wishbone cloud certificate circulation instruction is initiated for the wishbone cloud certificate, next-level provider information, circulation amount and a dynamic verification code are input, and when the dynamic verification code is correct, a new wishbone cloud certificate is generated according to the provider information, the next-level provider information and the circulation amount, and the new wishbone cloud certificate is sent to a next-level provider;
and after the next-stage supplier signs the Wei-Ling cloud certificate, generating a circulation service fee according to the Wei-Ling cloud certificate circulation, and generating a service fee Wei-Ling cloud certificate held by the automobile supply chain financial service platform according to the circulation service fee.
6. The block chain technology-based automotive supply chain financial service platform according to claim 5, wherein the processor is configured to call program instructions to perform the following method after the sending of the new Wei-chain cloud certificate to the next supplier hold:
when a Wei chain cloud certificate flow query instruction of a provider client is received, one or more of the following information is queried: the system comprises a Wei chain cloud certificate check code, a holder, the amount of money, a new Wei chain cloud certificate check code, a new holder, the amount of money, a remaining Wei chain cloud certificate check code, the remaining amount of money and a circulation state.
7. The blockchain technology based automotive supply chain financial services platform of claim 6, wherein the processor is configured to invoke program instructions to perform the following method:
when a wishbone cloud certificate selected by a supplier client and a wishbone cloud certificate financing instruction is initiated to a financial institution client aiming at the wishbone cloud certificate, a financing application is submitted to the financial institution client according to a selected financial product;
when a financing confirmation instruction initiated by the financial institution client aiming at the financing application and a review pass instruction initiated aiming at the financing confirmation instruction are received, completing a financing payment process between the financial institution and a supplier;
and after the financing payment process between the financial institution and the supplier is completed, generating the financing wishbone cloud certificate held by the financial institution according to the wishbone cloud certificate check code, the wishbone cloud certificate amount, the supplier information and the financial institution information.
8. The block chain technology-based automotive supply chain financial service platform of claim 7,
the financing, circulation and cashing of the financing wire cloud certificate are realized on the block chain.
9. The blockchain technology based automotive supply chain financial service platform of claim 7, wherein the processor is configured to call program instructions to perform the following method after applying for financing to a financial institution client:
when detecting that the account period of the Wei chain cloud certificate or the financing Wei chain cloud certificate expires, initiating a cashing application to the core enterprise client;
when payment operation of a core enterprise client is received, carrying out money transfer on a Wei chain cloud certificate or a Wei chain cloud certificate holder of a financing Wei chain cloud certificate according to an intelligent contract;
when receiving the account confirmation of the Wei chain cloud certificate or the financing Wei chain cloud certificate holder, the cashing process is ended.
10. A block chain technology-based automobile supply chain financial service method is characterized by comprising the following steps:
when receiving contract information and invoice information added by a supplier client, the financial service platform sends the contract information and the invoice information to a core enterprise client;
when receiving an approval passing instruction submitted by a core enterprise client aiming at the contract information and the invoice information, the financial service platform generates a Wei chain cloud certificate held by a supplier client;
when receiving a Wei chain cloud certificate flow instruction initiated by a client of a supplier, the financial service platform transfers the Wei chain cloud certificate flow held by the supplier to a next-level supplier;
when receiving a Wei chain cloud certificate financing instruction initiated by a supplier client, the financial service platform applies the Wei chain cloud certificate held by the supplier to a financial institution client for financing;
and when the financial service platform detects that the account period of the Wei-chain cloud certificate expires, the financial service platform completes the cashing of the Wei-chain cloud certificate.
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