CN109949142A - A kind of dominant supply chain finance implementation method, system and terminal device - Google Patents

Abstract

The present invention is suitable for supply chain financial technology field, a kind of dominant supply chain finance implementation method, system and terminal device are provided, distributed data by obtaining internet of things data, big data, relational data and block chain can obtain first-hand truthful data from supply chain source, break the isolated island barrier of supply chain link information；It is analyzed and processed by the distributed data to the internet of things data, the big data, the relational data and the block chain, can integrate and optimize supply chain the operation flow of the ecosphere, increase letter by technology and construct relatively objective supply chain credit system, makes the credit machine based on block chain；By providing the supply chain management service and financial service of digitlization and automation for user according to analysis and processing result, the risk of supply chain financial service can be managed, the reliability and efficiency of enterprise's air control management are improved.

Description

A kind of dominant supply chain finance implementation method, system and terminal device

Technical field

The invention belongs to supply chain financial technology field more particularly to a kind of dominant supply chain finance implementation methods, system And terminal device.

Background technique

The authenticity of the business background of traditional supply chain financial field depends on every on entire supply chain full-service chain The job instruction of a link executes and the authenticity of job result document.However, job instruction executes and job result document is complete The scope for belonging to business game scene under line entirely, can only complete by traditional supply chain financial technology in single closing main body Operation can not solve business under the line between the multi-party enterprise dominant of full chain upstream and downstream, lead to traditional supply chain financial service Can not risk management be carried out according to current assets and the authenticity of business operation and timeliness well.

Summary of the invention

In view of this, the embodiment of the invention provides a kind of dominant supply chain finance implementation method, system and terminal device, Pass through the promoting technologies supply chain operations such as Internet of Things, big data, cloud computing, artificial intelligence and block chain and finance operation number Change, automation, the change of hardware and software platform, trustization and height merge, can not be fine with the supply chain financial service for solving traditional The problem of carrying out risk management according to current assets and the authenticity of business operation and timeliness.

The first aspect of the embodiment of the present invention provides a kind of dominant supply chain finance implementation method comprising:

Obtain internet of things data；

Obtain big data, the distributed data of relational data and block chain；

To the distributed data of the internet of things data, the big data, the relational data and the block chain into Row analysis processing；

According to analysis and processing result, supply chain management service and financial service are provided for user.

The second aspect of the embodiment of the present invention provides a kind of dominant supply chain financial system comprising:

Internet of Things sensing layer, for obtaining internet of things data；

Distributed data layer, for obtaining the distributed data of big data, relational data and block chain；

It is distributed computation layer, for the internet of things data, the big data, the relational data and the block chain Distributed data be analyzed and processed；

Application platform layer, for providing supply chain management service and financial service for user according to analysis and processing result.

The third aspect of the embodiment of the present invention provides a kind of terminal device, including memory, processor and is stored in In the memory and the computer program that can run on the processor, when the processor executes the computer program The step of realizing the above method.

The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage The step of media storage has computer program, and the above method is realized when the computer program is executed by processor.

The embodiment of the present invention is by providing a kind of dominant supply chain finance realization method and system, by obtaining Internet of Things netting index First-hand truthful data can be obtained from supply chain source according to, the distributed data of big data, relational data and block chain, beaten The isolated island barrier of broken supply chain link information；By to the internet of things data, the big data, the relational data and The distributed data of the block chain is analyzed and processed, the operation flow for the ecosphere that can integrate and optimize supply chain, building Relatively objective supply chain credit system makes the credit machine based on block chain；By being user according to analysis and processing result The supply chain management service and financial service of digitlization and automation are provided, the risk of supply chain financial service can be managed, mentioned The reliability and efficiency of high enterprise's air control management.

Detailed description of the invention

It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these Attached drawing obtains other attached drawings.

Fig. 1 is the flow diagram for the dominant supply chain finance implementation method that the embodiment of the present invention one provides；

Fig. 2 is the flow diagram of dominant supply chain finance implementation method provided by Embodiment 2 of the present invention；

Fig. 3 is the interaction flow schematic diagram of dominant supply chain finance implementation method provided by Embodiment 2 of the present invention；

Fig. 4 is the structural schematic diagram for the dominant supply chain financial system that the embodiment of the present invention three provides；

Fig. 5 is the structural schematic diagram for the application platform layer that the embodiment of the present invention four provides；

Fig. 6 is the structural schematic diagram for the terminal device that the embodiment of the present invention five provides.

Specific embodiment

In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention Attached drawing, technical solution in the embodiment of the present invention are explicitly described, it is clear that described embodiment is the present invention one The embodiment divided, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not doing Every other embodiment obtained under the premise of creative work out, should fall within the scope of the present invention.

Description and claims of this specification and term " includes " and their any deformations in above-mentioned attached drawing, meaning Figure, which is to cover, non-exclusive includes.Such as process, method or system comprising a series of steps or units, cargo or equipment do not have It is defined in listed step or unit, but optionally further comprising the step of not listing or unit, or optionally also wrap Include the other step or units intrinsic for these process, methods, cargo or equipment.In addition, term " first ", " second " and " third " etc. is for distinguishing different objects, not for description particular order.

Embodiment one

The present embodiment provides a kind of dominant supply chain finance implementation methods, can be applied to arbitrarily have at communication and data Manage function independent or distributed calculating equipment, for example, mobile phone, tablet computer, personal digital assistant, desktop PC, At least one of notebook, palm PC and cloud server or multiple combinations.

As shown in Figure 1, dominant supply chain finance implementation method provided by the present embodiment, including pass through dominant supply chain gold Melt the following operation of system execution:

Step S101, internet of things data is obtained.

In a particular application, dominant supply chain financial system is the independence for executing dominant supply chain finance implementation method Or distributed calculating equipment, alternatively, running on the software program system for calculating equipment.

It in a particular application, can be any in production site, transporting equipment or the storage place of cargo by being set to Data can be acquired and data are uploaded to the internet of things equipment of dominant supply chain financial system, to obtain internet of things data.? It can be by the way of the acquisition of artificial or equipment and manual entry data to calculating equipment, to obtain internet of things data.According to goods The difference of species can select the internet of things equipment suitable for every kind of cargo to acquire corresponding internet of things data.Cargo can To be any physical goods or virtual goods with real value, for example, electronic token, mineral products, soil, the products of labor (labor Movable property product refer to that human labour creates the national product come) etc..

In one embodiment, step S101 includes:

Internet of things data is obtained by internet of things equipment, establishes supply chain big data lake.

In one embodiment, internet of things equipment includes the characteristic detecting device of cargo, transporting equipment storehouse and stores up equipment, right It answers, step S101 is specifically included:

Step S1011, the performance data of the cargo is obtained by the characteristic detecting device of cargo.

In a particular application, the characteristic detecting device of cargo refers to for detecting setting for data relevant to the characteristic of cargo Standby, the characteristic of cargo refers to the size of cargo (including length, volume, surface area etc.), shape (form), color, weight Data relevant to the characteristic of cargo itself with quality etc..

In one embodiment, the characteristic detecting device of the cargo include in electronic loadometer and quality detection apparatus extremely Few one kind, the performance data of the cargo includes at least one of volume, shape, color, weight and quality.

In a particular application, electronic loadometer with the weight of the cargo in automatic collection portion placed thereon and can be uploaded to dominant Supply chain financial system；Quality detection apparatus can spot-check cargo mass according to quality standard process, and be uploaded by data-interface To dominant supply chain financial system.

Step S1012, the transportation data of the cargo is obtained by the transporting equipment of the cargo.

In a particular application, the transporting equipment of cargo refers to that the equipment for transporting cargo, the transportation data of cargo refer to Data relevant to the logistics turnover of cargo caused by during cargo transport.

In one embodiment, the transporting equipment of the cargo includes GPS device, logistics turnover equipment and intelligent container At least one of, the transportation data of the cargo includes transport position data, logistics turnover data, type data, classification number According at least one of, environmental data and status data, the status data include transportation route deviation, driving behavior it is abnormal, At least one of goods weight exception, container ON/OFF.

In a particular application, GPS (Global Positioning System, global positioning system) equipment is for real-time Or cargo is positioned at interval of preset time period, so that the transport position data of cargo is obtained, it specifically can be fixed using GPS Position instrument or any equipment (for example, the electronic equipments such as mobile phone, navigator) for having GPS positioning module.Prefixed time interval can To be configured according to actual needs, can also start by set date GPS device according to actual needs, for example, cargo transport when Between start GPS device in section, close GPS device within the period that cargo stops transport.Other positioning systems can also be used It assists or equivalent substitution GPS positioning device, for example, the located in connection equipment based on BEI-DOU position system.

In a particular application, logistics turnover equipment has both cargo week rotating function and intelligent data acquisition and data upload function Can, for acquiring and recording the logistics turnover data of cargo and be uploaded to dominant supply chain financial system.Logistics turnover equipment can To be logistic turnover box, logistic transfer cart or smart tray (pallet).Smart tray be for the ease of cargo handling, transport, Keeping and dispatching etc. and handling backing plate that the load surface and fork truck socket that use are constituted.Logistics turnover data refer to cargo week The specific location delta data of cargo during turning, for example, cargo goes to warehouse B for A weeks by warehouse, cargo was gone to by vehicle C weeks Vehicle D.

In a particular application, intelligent container refers to passes with electronic lead sealing, temperature sensor, humidity sensor, weight Sensor, gas detecting instrument etc. are used to detect the open/close state of container, the temperature around or within container, humidity, gas The container of the status data of the environmental datas such as content and cargo can acquire corresponding data and be uploaded to dominant supply chain gold Melt system.Intelligent container also has the function of that data store and record, and the classification for the cargo that it is loaded is able to record, to obtain The categorical data of cargo.According to the difference of the purposes of intelligent container itself, intelligent container can be divided into dry cargo container (DRY CONTAINER), solid bulk container (BULK CONTAINER), bulk liquid container, refrigerating box container and some Extraordinary special container, for example, Auto Container, cattle container, hide container etc..

Step S1013, the storage data of the cargo is obtained by the storage facilities of the cargo.

In a particular application, the storage facilities of cargo refers to the warehouse for being located at storage cargo, has the storage of acquisition cargo Data and the arbitrary equipment for being uploaded to dominant supply chain financial system.

In one embodiment, the storage facilities of the cargo include electronic lead sealing, video monitoring equipment, electronic loadometer, At least one of door control devices, 3D imaging device, QR equipment and RFID device, the storage data of the cargo include electronics lead Seal at least one of data, video data, weight data, gate inhibition's in/out data, 3D imaging data and storage position data.

In a particular application, 3D imaging device is used to carry out 3 D stereo scanning to cargo and analyze scan data Processing, obtains the related datas such as the size, shape and color of cargo.Can have phase with 3D imaging device using arbitrarily having With or identity function equipment, replacement or be used cooperatively with 3D imaging device, come phases such as the sizes, shape and color that obtain cargo Close data.For example, the unmanned plane with camera function, 3D scanner, instrument of surveying and mapping, video camera etc..

In a particular application, QR (Quick Response) decoding apparatus and RFID (Radio Frequency Identification, radio frequency identification) equipment can be set in cargo itself, cargo outer packing or load cargo supporting body On, for record the title of cargo, classification, size, color, shape, quantity, weight, ingredient, effect, manufacturer, dealer, The information such as price, cost.QR decoding apparatus specifically can be electronic two-dimensional code label, and RFID device specifically can be RFID label tag.

Step S102, big data, the distributed data of relational data and block chain are obtained.

In a particular application, big data (Big data) can pass through parallel processing (Parallel Processing) number According to library, distributed file system (Distributed File System, DFS), distributed data base (distributed Data base, DDB), cloud computing platform (for example, Ali's cloud, the clouds data processing platform (DPP) such as still melt cloud), internet device (example Such as, desktop PC, server etc.) and expansible storage system (for example, distributed memory system (Distributed StorageSystem, DSS) it obtains.Relational data can pass through relational database management system (Relational Database Management System, RDBMS) it obtains, analyze, handle and store.The distributed data of block chain can To pass through distributed treatment (distributed processing) system, distributed universal slip condition database, cloud storage (cloudstorage service) equipment and virtualization (Virtualization) technology are (for example, hardware virtualization, virtual Machine, OS-Level virtual, platform virtualization, application program virtualization, virtual memory, Storage Virtualization, network virtualization, Storage virtualization, desktop virtualization, database virtualization, software virtualization, service virtualization etc.) it obtains.

In one embodiment, step S102 includes:

Pass through parallel data processing library, distributed file system, distributed data base, cloud computing platform, internet device Big data is obtained at least one of expansible storage system；

Relational data is obtained by relational database management system, establishes information of supply chain model；

By in the distributed processing system(DPS) of block chain, distributed data base, cloud storage equipment and virtualization technology extremely A kind of few distributed data for obtaining the block chain.

In one embodiment, the block chain includes cargo block chain, document block chain and fund block chain.

Step S103, to the internet of things data, the big data, relational data and the block chain distributed number According to being analyzed and processed.

In one embodiment, step S103 includes:

Step S1031, to the internet of things data, the big data, the distribution of relational data and the block chain Data carry out data aggregate.

In a particular application, data aggregate refers to that carrying out content to related data selects, analyzes, sorts out and be associated with, most Post analysis obtains desired as a result, being primarily referred to as any data conversion process that can generate scalar value from array.

Step S1032, to the internet of things data, the big data, the relational data after progress data aggregate Data modeling is carried out with the distributed data of the block chain.

In a particular application, data modeling refers to the abstract tissue to Various types of data, determine range that database need to administer, Organizational form of data etc. is until be converted to the database of reality.The conceptual model abstracted after network analysis is converted After physical model, the process of relationship between database entity and each entity is established in tools such as visio or erwin.Data Modeling is the process of a kind of requirement for defining and analyzing data and its information system accordingly supported needed.

Step S1033, to the internet of things data, the big data, the relational data after progress data modeling Cloud computing processing is carried out with the distributed data of the block chain.

In a particular application, cloud computing (Cloud Computing) is the increase of related service Internet-based, uses And delivery mode, be distributed computing (Distributed Computing), parallel computation (Parallel Computing), Effectiveness calculates (Utility Computing), network storage (Network Storage Technologies), virtualization (Virtualization), the traditional calculations such as load balancing (Load Balance), hot-standby redundancy (High Available) The product of machine and network technical development fusion.

In one embodiment, step S1033 includes:

According at least one in the intelligent contract of block chain, distributed trust mechanism, common recognition mechanism and digital token technology Kind, it is right by cloud computing equipment, common recognition at least one of algorithm and machine learning (Machine Learning, ML) algorithm The internet of things data, the big data, the distribution of the relational data and the block chain after carrying out data modeling Data carry out cloud computing processing；

Based on distribution, complete and symmetry principle distributed trust mechanism and common recognition mechanism, will be carried out by common recognition algorithm Cloud computing treated the internet of things data, the relational data, the big data and the block chain distributed number According to generation block chain log；

It according to the block chain log, is driven and is traded by intelligent contract, form Distributed sharing account book.

In a particular application, common recognition algorithm is used to use Hash digital finger-print safety records Transaction Information and identity information, Form the not modifiable unique fact reached common understanding based on timestamp.

In a particular application, commonly common recognition algorithm includes the common recognition algorithm realized based on four major class common recognition mechanism, respectively Be: proof of work mechanism, equity prove mechanism, share authorisation verification mechanism and Pool verifying pond.

Step S104, according to analysis and processing result, supply chain management service and financial service are provided for user.

In a particular application, it is formed after Distributed sharing account book in step s 103, so that the cargo to user is related Data become visual, can show, can conduct, can early warning, can dispose, can cash and can compensate for, so as to provide confession for user Answer chain management service and financial service.

In one embodiment, step S104 includes:

According to analysis and processing result, supply chain management service and financial service are provided for user by artificial intelligence technology.

The present embodiment by providing a kind of dominant supply chain finance realization method and system, by obtain internet of things data, The distributed data of big data, relational data and block chain can obtain first-hand truthful data from supply chain source, break The isolated island barrier of supply chain link information；By to the internet of things data, the relational data, the big data and institute The distributed data for stating block chain is analyzed and processed, the operation flow for the ecosphere that can integrate and optimize supply chain, and constructs phase To objective supply chain credit system, the credit machine based on block chain is made；By being mentioned for user according to analysis and processing result For the supply chain management service and financial service for digitizing and automating, the risk of supply chain financial service can be managed, is improved The reliability and efficiency of enterprise's air control management.

The embodiment of the present invention realizes that dynamic logistics support property rights control to cash using Internet of Things, passes through big data and cloud computing High-speed decision, the best decision for driving dominant supply chain finance are predicted to manage financial trade hazard by artificial intelligence, and used Block chain technology realizes safe and reliable transaction.The present invention using the above core technology realize the electronization of supply chain, digitlization, And automation, it is ensured that supply chain each side obtains first-hand authentic and valid data from source, thoroughly solves each link letter of supply chain Islanding problem is ceased, completely new reliable supply chain credit system is rebuild, to solve the problem of credit risk of supply chain finance.

The embodiment of the present invention uses the key technology of enterprise-level block chain comprising:

The distributed account book that can not be revised can only be increased；

Accept the common recognition algorithm of transaction；

Global state shared data bank；

Security privacy mechanism；

Handle programmable, the executable wisdom contract of transaction request；And

Operation can be executed by mobile client.

Embodiment two

As shown in Fig. 2, in the present embodiment, the step S104 in Fig. 1 includes:

Step S201, the supply chain management service request for obtaining the first user, provides supply chain pipe for first user Reason service.

In a particular application, the first user can be supplier or any other enterprise for needing supply chain management service uses Family or individual.First user is also possible to raw material manufacturer, and dealer or terminal client is allowed directly to dock former material Expect manufacturer.

In a particular application, the first user specifically can arbitrarily have communication and data processing function by owned The independent or distributed calculating equipment of energy, passes through arbitrary man-machine interaction mode or machine machine exchanged form (Machine-to- Machine, M2M) to the transmission supply chain management service request of dominant supply chain financial system, to obtain supply chain management service.

In a particular application, arbitrary man-machine interaction mode can be based on mouse, (entity or virtual) keyboard, touch surface The contact man-machine interaction mode of the realizations such as plate is also possible to based on camera, wearable device, facial recognition techniques, machine The non-contact type human-machine interaction mode that can be controlled by gesture control, gesture stability or expression of the realizations such as Visual identification technology, It can also be the man-machine interaction mode based on interactive voice technology based on realizations such as microphone, speech chip, speakers.

In a particular application, arbitrary machine machine interactive mode can be the object based on Internet of Things equipment and the realization of IP communication mechanism Online machine interactive mode is also possible to the server machine interactive mode realized based on the technologies such as data-interface and functional interface.

In a particular application, the supply chain management service that dominant supply chain financial system responds that the first user sends requests it Afterwards, various supply chain management services relevant to the production and operating activities of the first user can be provided for the first user.

Step S202, the supply chain management service request for obtaining second user, provides supply chain pipe for the second user Reason service.

In a particular application, second user can be dealer or any other enterprise for needing supply chain management service uses Family or individual.Second user is also possible to terminal client, and supplier or raw material manufacturer is allowed directly to dock terminal Client.

In a particular application, second user specifically can arbitrarily have communication and data processing function by owned The independent or distributed calculating equipment of energy, it is golden to dominant supply chain by arbitrary man-machine interaction mode or machine machine interactive mode Melt system and send supply chain management service request, to obtain supply chain management service.

In a particular application, the supply chain management service that dominant supply chain financial system response second user is sent requests it Afterwards, it can provide the various production and operating activities to second user relevant supply chain management service for second user.

Step S203, the financial service request for obtaining first user is used according to described first that third user provides The finance data at family provides financial service for first user；

Step S204, the financial service request for obtaining the second user is used according to described second that third user provides The finance data at family provides financial service for the second user.

In a particular application, third user can be financial institution or any other be capable of providing the first user and/or The enterprise of the finance data of two users or individual.

In a particular application, financial institution may include e-commerce platform (for example, Alipay, wechat etc.), trade and put down Platform, logistics supervising platform, intermediary's (for example, insurance institution, appraisal agency, notary organization, auction facility etc.), guarantee are public Department, employer's organization, research institution, government organs (for example, industrial and commercial bureau, customs, the tax bureau, bank etc.).

In a particular application, finance data specifically refers to have with the management state of the first user or second user, assets etc. The credit data of pass.

In a particular application, third user specifically can arbitrarily have communication and data processing function by owned The independent or distributed calculating equipment of energy, it is golden to dominant supply chain by arbitrary man-machine interaction mode or machine machine interactive mode Melt the finance data that system sends the first user and/or second user, to be the first use by dominant supply chain financial system Family and/or second user provide financial service.

It in a particular application, can after dominant supply chain financial system responds the financial service request that the first user sends To provide various financial services relevant to the production and operating activities of the first user for the first user.Dominant supply chain financial system After responding the financial service request that second user is sent, various and second user production and operation can be provided for second user The relevant financial service of activity.

Step S205, by the supply chain management service and logistics object control service that provide for first user, institute is established State the cargo and credit account phase-logistics supply chain between the first user and the second user.

In a particular application, it by providing supply chain management service and financial service for the first user, can obtain and the The relevant credit data such as the production and operation situation of one user and assets, the credit data of the first user is made to become visual, can show, Can conduct, can early warning, can dispose, can cash and can compensate for, realize to the risk management and control of the first user, so as to establish low wind Cargo and credit account phase-logistics supply chain between the first user trusty and second user of danger, so that the first user can To provide believable cargo output, the setting of account phase and logistics supply service for second user.Wherein, the account phase refers to from supplier After (the first user) supplies to dealer (second user), until period this period of dealer's payment.Logistics object control service Refer to service relevant to logistics (i.e. the process of circulation of cargo) and object control (i.e. Material control), wherein object control specifically refers to: control The state of factory supplies processed with the demand for the processes such as furnish good supplies to, circulate and use, and reaches optimal adaptability and section It is thrifty.The means of object control generally include:

It controls the size, to meet the needs of output；

Control progress, to meet the needs of production period；

Control difference is mended, to meet the needs of checking and writing off with checkout.

In one embodiment, include: before step S205

The logistics object control service request of the first user is obtained, provides logistics object control service for first user.

Step S206, by the supply chain management service and financial service that provide for the second user, described is established Order and cash flow-finance supply chain between two users and first user.

In a particular application, it by providing supply chain management service and financial service for second user, can obtain and the The relevant credit data such as the production and operation situation of two users and assets, the credit data of second user is made to become visual, can show, Can conduct, can early warning, can dispose, can cash and can compensate for, realize to the risk management and control of second user, so as to establish low wind Order and cash flow-finance supply chain between the second user trusty and the first user of danger, so that second user can be with Believable order output, cash flow output and order financial settlement service are provided for the first user.Wherein, order refers to dealer The order authority that (second user) is issued to supplier (the first user).

In one embodiment, first user includes supplier.

In one embodiment, when first user is supplier, step S201, comprising:

It is first user by buying service platform when the supply chain management service for getting the first user is requested Supply chain management service is provided, to purchase according to the order and cash flow-finance supply chain to raw material manufacturer；Wherein, The buying service platform is for providing centralized purchasing service, inventory management services, neat set picking service, JIT delivery service, stream Logical processing service, capital settlement service, supplier management service and consulting services.

In a particular application, buying service platform can be in dominant supply chain financial system dedicated for for the first user The calculating equipment of supply chain financial service is provided or calculates the software program module in equipment.

In a particular application, JIT refers to just-in-time production mode (Just In Time, abbreviation JIT), also referred to as not in stock Production method (stockless production), zero inventory (zero inventories), a stream (one-piece ) or supermarket production method (supermarket production) flow.

In one embodiment, the second user includes dealer.

In one embodiment, when the second user is dealer, step S202 includes:

It is the second user by distribution service platform when the supply chain management service for getting second user is requested Supply chain management service is provided, to distribute according to the cargo and credit account phase-logistics supply chain to terminal client；Wherein, institute State distribution service platform for line haul service is provided, service is alloted in region, order management service, inventory management services, storehouse Library management service, capital settlement service, dealer management service and consulting services.

In a particular application, distribution service platform can be in dominant supply chain financial system dedicated for for the first user The calculating equipment of supply chain financial service is provided or calculates the software program module in equipment.

In one embodiment, the third user includes financial institution.

In one embodiment, the dominant supply chain finance implementation method, further includes:

Based on distribution, complete and symmetry principle distributed trust mechanism and common recognition mechanism, pass through algorithm generation area of knowing together Block chain log is driven by intelligent contract and is traded, and Distributed sharing account book is formed.

In a particular application, based on distribution, complete and symmetry principle, in the restriction of distributed trust mechanism and common recognition mechanism Under, it can change the value state of assets by trading activity safely and fast, form the credible fact.

In a particular application, the log of block chain can recorde complete trading activity and can not arbitrarily distort, intelligent contract Permission carries out credible transaction in no third-party situation and early warning is disposed, these transaction are traceable and irreversible,

It is an advantage over the safety method of traditional contract, can also effectively reduce other transaction costs relevant to contract.

In a particular application, commonly common recognition algorithm includes the common recognition algorithm realized based on four major class common recognition mechanism, respectively Be: proof of work mechanism, equity prove mechanism, share authorisation verification mechanism and Pool verifying pond.

In one embodiment, based on the log of block chain and intelligent contract, step S203 includes:

The financial service request for obtaining first user, according to the financial number for first user that third user provides According to, the block chain log and the intelligent contract, triggering transaction forms the Distributed sharing account book of first user, is First user provides financial service；

Corresponding, step S204 includes:

The financial service request for obtaining the second user, according to the financial number for the second user that third user provides According to, the block chain log and the intelligent contract, triggering transaction forms the Distributed sharing account book of the second user, is The second user provides financial service.

In a particular application, Distributed sharing account book can not be distorted, distribution, be based on security permission to license participation Has the on-line intelligence account book of public credibility disclosed in side.

In a particular application, Distributed sharing account book be can not distort, it is distributed, to having public letter disclosed in owner The on-line intelligence account book of power.

In one embodiment, the dominant supply chain finance implementation method, further includes:

According to the Distributed sharing account book of first user, the current assets cashability of first user is assessed；

According to the current assets cashability of first user, the order and cash flow-finance supply chain are assessed Financial risks, and generate the first financial risks value；

According to the Distributed sharing account book of the second user, the current assets cashability of the second user is assessed；

According to the current assets cashability of the second user, the cargo and credit account phase-logistics supply chain are assessed Financial risks, and generate the second financial risks value.

In a particular application, the first user Distributed sharing account book record have with the production and operation situation of the first user and The relevant total data of current assets, so that each participant (i.e. the in order and cash flow-finance supply chain whole flow process One user, the first user, third user and third party enterprise customer) it can be to order and the full mistake of cash flow-finance supply chain Journey, logistics, transaction etc. accomplish in time monitor and manipulation, so as to according to assessment the first user current assets cashability, And according to the current assets cashability of the first user, order and cash flow-finance supply chain financial risks and generation are assessed Corresponding financial risks value realizes the visualization to the dominant supply chain financial risk management of the first user.

In a particular application, second user Distributed sharing account book record have with the production and operation situation of second user and The relevant total data of current assets, so that each participant in cargo and credit account phase-logistics supply chain whole flow process is (i.e. First user, second user, third user and third party enterprise customer) it can be to cargo and credit account phase-logistics supply chain Overall process, logistics, transaction etc. are accomplished to monitor and manipulate in time, so as to cash energy according to the current assets of assessment second user Power, and according to the current assets cashability of second user, assess cargo and credit account phase-logistics supply chain financial risks simultaneously Corresponding financial risks value is generated, realizes the visualization to the dominant supply chain financial risk management of second user.

In one embodiment, the dominant supply chain finance implementation method, further includes:

The first financial risks value and preset first financial risk early-warning value are compared and analyzed, and described When difference between one financial risks value and preset first financial risk early-warning value is greater than first threshold, issue the order with There are the prompts of the first Risk-warning of financial risks for cash flow-finance supply chain；

The second financial risks value and preset second financial risk early-warning value are compared and analyzed, and described When difference between two financial risks values and preset second financial risk early-warning value is greater than second threshold, issue the cargo with There are the prompts of the second Risk-warning of financial risks for credit account phase-logistics supply chain.

In a particular application, dominant supply chain finance can be set previously according to the current assets cashability of the first user The maximum financial risks of the cash flow that system can be born-finance supply chain and maximum financial risks fluctuation range, obtain first Financial risk early-warning value and first threshold；It is periodically or close according to the first user in real time in the generation business process of the first user The current assets cashability of phase, assessment order and cash flow-finance supply chain financial risks obtain newest first finance Value-at-risk；Then the first financial risks value and the first financial risk early-warning value are compared and analyzed, when the first financial risks value When difference between preset first financial risk early-warning value is greater than first threshold, determine that order and cash flow-finance are supplied There are the financial risks that system can not be born for chain, and issue the prompt of the first Risk-warning.First Risk-warning prompts Assets assessment report generates the contents such as business circumstance report or financial report, and is issued by arbitrary man-machine interaction mode.

In a particular application, dominant supply chain finance can be set previously according to the current assets cashability of second user The cargo and the maximum financial risks of credit account phase-logistics supply chain and maximum financial risks fluctuation range that system can be born, Obtain the second financial risk early-warning value and second threshold；In the generation business process of second user, periodically or in real time according to The recent current assets cashability of two users, assessment cargo and credit account phase-logistics supply chain financial risks, obtain newest The second financial risks value；Then the second financial risks value and the second financial risk early-warning value are compared and analyzed, when second When difference between financial risks value and preset second financial risk early-warning value is greater than second threshold, cargo and credit account are determined There are the financial risks that system can not be born for phase-logistics supply chain, and issue the prompt of the second Risk-warning.Second Risk-warning mentions Show to may include assets assessment report, generate the contents such as business circumstance report or financial report, and passes through arbitrary human-computer interaction Mode issues.

As shown in figure 3, illustratively showing, the first user 1 is supplier, second user 2 is dealer, third user 3 For financial institution, when the executing subject of dominant supply chain finance implementation method is third party enterprise 4, dominant supply chain finance is realized The interaction flow schematic diagram of method.

The present embodiment provides supply chain management service by independent third-party platform for the first user and second user, real Existing supply chain management service outsourcing；And the finance data of the first user and second user according to provided by third user, it is the One user and second user provide financial service, realize supply chain financial service outsourcing；So as to be taken according to supply chain management Cargo and credit account phase-logistics supply chain between the first user and second user are established in business and logistics object control service, according to confession The order and cash flow-finance supply chain for answering chain management service and financial service to establish between second user and the first user；It will Credit in the commercial system of first user, second user and third user composition becomes visual, can show, can conduct, can early warning, It can dispose, can cash and can compensate for, relatively objective credit system can be established, improve the reliability and effect of enterprise's air control management Rate.

It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit It is fixed.

Embodiment three

As shown in figure 4, the present embodiment provides a kind of dominant supply chain financial systems 4, for executing the side in embodiment one Method step, the system include:

Internet of Things sensing layer 401, for obtaining internet of things data；

Distributed data layer 402, for obtaining the distributed data of big data, relational data and block chain；

It is distributed computation layer 403, for the internet of things data, the big data, the relational data and the area The distributed data of block chain is analyzed and processed；

Application platform layer 404, for providing supply chain management service and finance clothes for user according to analysis and processing result Business.In a particular application, distributed data layer also provides for distributed data account book technology (DLT), with support global range across The distributed transaction of boundary cross-node executes and unique reality is created；Distribution computation layer is also used to support by DLT service interface Editable it is executable can operation wisdom contract.

In a particular application, Internet of Things sensing layer, distributed data layer, distribution computation layer, application platform layer may each be dominant Software program module in supply chain financial system is also possible to independent or distributed calculating equipment, can also be object respectively Networked devices, distributed data base/system, distributive computing facility and client.

In one embodiment, the Internet of Things sensing layer 401, is specifically used for:

Internet of things data is obtained by internet of things equipment, establishes supply chain big data lake.

In one embodiment, internet of things equipment includes the characteristic detecting device of cargo, transporting equipment storehouse and stores up equipment, right It answers, the Internet of Things sensing layer 401 is specifically used for:

The performance data of the cargo is obtained by the characteristic detecting device of cargo；

The transportation data of the cargo is obtained by the transporting equipment of the cargo；

The storage data of the cargo is obtained by the storage facilities of the cargo.

In one embodiment, the distributed data layer 402, is specifically used for:

Pass through parallel data processing library, distributed file system, distributed data base, cloud computing platform, internet device Big data is obtained at least one of expansible storage system；

Relational data is obtained by relational database management system, establishes information of supply chain model；

By in the distributed processing system(DPS) of block chain, distributed data base, cloud storage equipment and virtualization technology extremely A kind of few distributed data for obtaining the block chain.

In one embodiment, the distribution computation layer 403, is specifically used for:

To the distributed data of the internet of things data, the big data, the relational data and the block chain into Row data aggregate；

To the internet of things data, the big data, the relational data and the block after progress data aggregate The distributed data of chain carries out data modeling；

To the internet of things data, the big data, the relational data and the block after progress data modeling The distributed data of chain carries out cloud computing processing.

In one embodiment, the application platform layer 404, is specifically used for:

According to analysis and processing result, supply chain management service and financial service are provided for user by artificial intelligence technology.

The present embodiment by providing a kind of dominant supply chain finance realization method and system, by obtain internet of things data, The distributed data of big data, relational data and block chain can obtain first-hand truthful data from supply chain source, break The isolated island barrier of supply chain link information；By to the internet of things data, the big data, the relational data and institute The distributed data for stating block chain is analyzed and processed, the operation flow for the ecosphere that can integrate and optimize supply chain, and constructs phase To objective supply chain credit system, the credit machine based on block chain is made；By being mentioned for user according to analysis and processing result For the supply chain management service and financial service for digitizing and automating, the risk of supply chain financial service can be managed, is improved The reliability and efficiency of enterprise's air control management.

Example IV

As shown in figure 5, the application platform layer 104 in Fig. 4 includes for executing method in embodiment two in the present embodiment Step with lower platform:

Enterprise's cloud platform 501, the supply chain management service for obtaining the first user are requested, are provided for first user Supply chain management service；

Enterprise's cloud platform 501 is also used to obtain the supply chain management service request of second user, uses for described second Family provides supply chain management service；

Financial platform 502, for obtaining the financial service request of first user, according to third user offer The finance data of first user provides financial service for first user；

The financial platform 502 is also used to obtain the financial service request of the second user, is provided according to third user The second user finance data, provide financial service for the second user；

Logistics platform 503, for by the supply chain management service provided for first user and according to supply chain pipe Service is established in reason service and financial service, establishes the cargo between first user and the second user and credit account phase- Logistics supply chain；

Transaction platform 504 is established for the supply chain management service and financial service by providing for the second user Order and cash flow-finance supply chain between the second user and first user.

In one embodiment, enterprise's cloud platform 501 is also used to:

It is first user by buying service platform when the supply chain management service for getting the first user is requested Supply chain management service is provided, to purchase according to the order and cash flow-finance supply chain to raw material manufacturer；Wherein, The buying service platform is for providing centralized purchasing service, inventory management services, neat set picking service, JIT delivery service, stream Logical processing service, capital settlement service, supplier management service and consulting services.

In one embodiment, enterprise's cloud platform 501 is also used to:

It is the second user by distribution service platform when the supply chain management service for getting second user is requested Supply chain management service is provided, to distribute according to the cargo and credit account phase-logistics supply chain to terminal client；Wherein, institute State distribution service platform for line haul service is provided, service is alloted in region, order management service, inventory management services, storehouse Library management service, capital settlement service, dealer management service and consulting services.

In one embodiment, the financial platform 502 is also used to:

Based on distribution, complete and symmetry principle distributed trust mechanism and common recognition mechanism, pass through algorithm generation area of knowing together Block chain log is driven by intelligent contract and is traded, and Distributed sharing account book is formed.

In one embodiment, the financial platform 502 is also used to:

The financial service request for obtaining first user, according to the financial number for first user that third user provides According to, the block chain log and the intelligent contract, triggering transaction forms the Distributed sharing account book of first user, is First user provides financial service；

The financial service request for obtaining the second user, according to the financial number for the second user that third user provides According to, the block chain log and the intelligent contract, triggering transaction forms the Distributed sharing account book of the second user, is The second user provides financial service.

In one embodiment, enterprise's cloud platform 501 or the logistics platform 503 are also used to:

The logistics object control service request of the first user is obtained, provides logistics object control service for first user.

In a particular application, enterprise's cloud platform, financial platform, logistics platform, transaction platform may each be dominant supply chain Software program module in financial system is also possible to independent or distributed calculating equipment.

The present embodiment is the first user by independent third-party platform by providing a kind of dominant supply chain financial system Supply chain management service is provided with second user, realizes supply chain management service outsourcing；And according to provided by third user The finance data of one user and second user provide financial service for the first user and second user, realize supply chain finance clothes Business outsourcing；So as to establish the goods between the first user and second user according to supply chain management service and logistics object control service Object and credit account phase-logistics supply chain, according to supply chain management service and financial service establish second user and the first user it Between order and cash flow-finance supply chain；By the letter in the commercial system of the first user, second user and third user composition With become visual, can show, can conduct, can early warning, can dispose, can cash and can compensate for, relatively objective credit body can be established The reliability and efficiency of enterprise's air control management improve in system.

Embodiment five

As shown in fig. 6, a kind of terminal device 6 provided in an embodiment of the present invention, comprising: distributed processors 60, distribution Memory 61 and distributed storage are in the distributed memory 61 and can be distributed on the distributed processors 60 The computer program 62 of operation, such as dominant supply chain finance realize program.The distributed processors 60 execute the calculating The step in above-mentioned dominant supply chain finance implementation method embodiment, such as step S101 shown in FIG. 1 are realized when machine program 62 To S104.Alternatively, the distributed processors 60 are realized in above-mentioned each Installation practice respectively when executing the computer program 62 Module/unit function, such as the function of module 401 to 404 shown in Fig. 4.

Illustratively, the computer program 62 can be divided into one or more module/units, it is one or Multiple module/units are stored in the distributed memory 61, and are executed by the distributed processors 60, to complete this Invention.One or more of module/units can be the series of computation machine program instruction section that can complete specific function, should Instruction segment is for describing implementation procedure of the computer program 62 in the terminal device 6.For example, the computer program 62 can be divided into Internet of Things sensing layer, distributed data layer, distribution computation layer and application platform layer, and each platform concrete function is such as Under:

Internet of Things sensing layer, for obtaining internet of things data；

Distributed data layer, for obtaining the distributed data of big data, relational data and block chain；

It is distributed computation layer, for the internet of things data, the big data, the relational data and the block chain Distributed data be analyzed and processed；

Application platform layer, for providing supply chain management service and financial service for user according to analysis and processing result.

The terminal device 6 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set It is standby.The terminal device may include, but be not limited only to, distributed processors 60, distributed memory 61.Those skilled in the art It is appreciated that Fig. 6 is only the example of terminal device 6, the restriction to terminal device 6 is not constituted, may include than illustrating more More or less component perhaps combines certain components or different components, such as the terminal device can also include input Output equipment, network access equipment, bus etc..

Alleged distributed processors 60 can be central processing unit (Central Processing Unit, CPU), also It can be other general processors, digital signal processor (Digital Signal Processor, DSP), dedicated integrated electricity Road (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field- Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic, Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor Deng passing through P2P network cooperating mechanism distributed treatment computation requests.

The distributed memory 61 can be the internal storage unit of the terminal device 6, such as terminal device 6 is hard Disk or memory.The distributed memory 61 is also possible to the External memory equipment of the terminal device 6, such as the terminal is set The plug-in type hard disk being equipped on standby 6, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, the distributed memory 61 can also both include institute The internal storage unit for stating terminal device 6 also includes External memory equipment.The distributed memory 61 by store it is described based on Other programs and data needed for calculation machine program and the terminal device.The distributed memory 61 can be also used for temporarily Ground stores the data that has exported or will export, and is stored and is requested by P2P network cooperating mechanism distributed data processing.

It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.

In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment The part of load may refer to the associated description of other embodiments.

Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed The scope of the present invention.

In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, it can be with It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.

The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme 's.

It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list Member both can take the form of hardware realization, can also realize in the form of software functional units.

If the integrated module/unit be realized in the form of SFU software functional unit and as independent sale of goods or In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program Code can be source code form, object identification code form, executable file or certain intermediate forms etc..Computer-readable Jie Matter may include: can carry the computer program code any entity or device, recording medium, USB flash disk, mobile hard disk, Magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions Believe signal.

Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all It is included within protection scope of the present invention.

Claims (10)

1. a kind of dominant supply chain finance implementation method characterized by comprising

Obtain internet of things data；

Obtain big data, the distributed data of relational data and block chain；

The distributed data of the internet of things data, the big data, the relational data and the block chain is divided Analysis processing；

According to analysis and processing result, supply chain management service and financial service are provided for user.

2. dominant supply chain finance implementation method as described in claim 1, which is characterized in that obtain internet of things data, comprising:

The performance data of the cargo is obtained by the characteristic detecting device of cargo；

The transportation data of the cargo is obtained by the transporting equipment of the cargo；

The storage data of the cargo is obtained by the storage facilities of the cargo.

3. dominant supply chain finance implementation method as claimed in claim 2, which is characterized in that

The characteristic detecting device of the cargo includes at least one of electronic loadometer and quality detection apparatus, the spy of the cargo Property data include at least one of size, shape, color, weight and quality；

The transporting equipment of the cargo includes at least one of GPS device, logistics turnover equipment and intelligent container, the goods The transportation data of object includes transport position data, logistics turnover data, type data, categorical data, environmental data and status number At least one of according to, the status data includes transportation route deviation, driving behavior is abnormal, goods weight is abnormal, container At least one of ON/OFF；

The storage facilities of the cargo include electronic lead sealing, video monitoring equipment, electronic loadometer, door control devices, 3D imaging device, At least one of QR decoding apparatus and RFID device, the storage data of the cargo include electronic lead sealing data, video data, again Measure at least one of data, gate inhibition's in/out data, 3D imaging data and storage position data.

4. dominant supply chain finance implementation method as described in claim 1, which is characterized in that obtain internet of things data, comprising:

Internet of things data is obtained by internet of things equipment, establishes supply chain big data lake；

Obtain the distributed data of relational data, big data and block chain, comprising:

Relational data is obtained by relational database management system, establishes information of supply chain model；

Pass through parallel data processing library, distributed file system, distributed data base, cloud computing platform, internet device and can At least one of storage system of extension obtains big data；

Institute is obtained by least one of distributed processing system(DPS), distributed data base, cloud storage equipment and virtualization technology State the distributed data of block chain.

5. dominant supply chain finance implementation method as described in claim 1 or 4, which is characterized in that the block chain includes goods Object block chain, document block chain and fund block chain.

6. dominant supply chain finance implementation method as described in claim 1, which is characterized in that the internet of things data, institute The distributed data for stating big data, the relational data and the block chain is analyzed and processed, comprising:

The distributed data of the internet of things data, the big data, the relational data and the block chain is counted According to polymerization；

To carrying out the internet of things data after data aggregate, the big data, the relational data and the block chain Distributed data carries out data modeling；

To carrying out the internet of things data after data modeling, the big data, the relational data and the block chain Distributed data carries out cloud computing processing.

7. dominant supply chain finance implementation method as claimed in claim 6, which is characterized in that the institute after progress data modeling The distributed data for stating internet of things data, the big data, the relational data and the block chain carries out cloud computing processing, Include:

According to intelligent contract, distributed trust mechanism, common recognition at least one of mechanism and digital token technology, pass through cloud computing Equipment, common recognition at least one of algorithm and machine learning algorithm, to carrying out the internet of things data, described after data modeling The distributed data of big data, the relational data and the block chain carries out cloud computing processing；

Based on distribution, complete and symmetry principle distributed trust mechanism and common recognition mechanism, cloud meter will be carried out by common recognition algorithm The distributed data for calculating treated the internet of things data, the relational data, the big data and the block chain is raw At block chain log；

It according to the block chain log, is driven and is traded by intelligent contract, form Distributed sharing account book.

8. the dominant supply chain finance implementation method as described in claim 1,6 or 7, which is characterized in that according to analysis processing knot Fruit provides supply chain management service and financial service for user, comprising:

According to analysis and processing result, supply chain management service and financial service are provided for user by artificial intelligence technology.

9. a kind of dominant supply chain financial system characterized by comprising

Internet of Things sensing layer, for obtaining internet of things data；

Distributed data layer, for obtaining the distributed data of big data, relational data and block chain；

It is distributed computation layer, for dividing the internet of things data, the big data, the relational data and the block chain Cloth data are analyzed and processed；

Application platform layer, for providing supply chain management service and financial service for user according to analysis and processing result.

10. a kind of terminal device, including memory, processor and storage are in the memory and can be on the processor The computer program of operation, which is characterized in that the processor realizes such as claim 1 to 8 when executing the computer program The step of any one the method.