CN110675245A - Financial supply chain transaction platform system and method - Google Patents

Financial supply chain transaction platform system and method Download PDF

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CN110675245A
CN110675245A CN201910838039.3A CN201910838039A CN110675245A CN 110675245 A CN110675245 A CN 110675245A CN 201910838039 A CN201910838039 A CN 201910838039A CN 110675245 A CN110675245 A CN 110675245A
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柴荔
邹悦宁
马强
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Nanjing Zhongcheng Block Chain Research Institute Co Ltd
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Nanjing Zhongcheng Block Chain Research Institute Co Ltd
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Abstract

The invention relates to the technical field of financial supply chains, in particular to a financial supply chain transaction platform system and a financial supply chain transaction method. The system comprises a cloud platform, wherein the cloud platform comprises a client management module, a financing management module, a financial management module and a product management module, the client management module, the financing management module, the financial management module and the product management module realize data interaction with the cloud platform through a wireless transmission module, and the client management module is used for registering client information and judging client credit worthiness. The invention adopts the face recognition technology, improves the customer information data, realizes the correspondence between the customer identity information and the credit worthiness information, and stores the information to the cloud, and the bank can use the credit worthiness information of the customer as a reference, thereby being convenient for realizing financing and carrying out transaction in the cloud platform.

Description

Financial supply chain transaction platform system and method
Technical Field
The invention relates to the technical field of financial supply chains, in particular to a financial supply chain transaction platform system and a financial supply chain transaction method.
Background
The traditional supply chain finance dominated by banks still mainly depends on the credit of core enterprises, and provides fund support for the small and medium-sized enterprises according to the transaction records between the core enterprises and the small and medium-sized enterprises. However, the admission threshold is still high compared with many small and medium-sized enterprises, and the core enterprise credit is generally required to be grafted, and essentially, the core enterprise credit is used as the small and medium-sized enterprises to perform financing and credit increase, so that the process is complex and the efficiency is low.
Disclosure of Invention
The present invention is directed to a financial supply chain transaction platform system and method, which overcome one or more of the above-mentioned deficiencies in the prior art.
In order to achieve the above object, in one aspect, the invention provides a financial supply chain transaction platform system, which includes a cloud platform, wherein the cloud platform includes a customer management module, a financing management module, a financial management module and a product management module, the customer management module, the financing management module, the financial management module and the product management module all implement data interaction with the cloud platform through a wireless transmission module, and the customer management module is used for registering customer information and judging customer credit worthiness; the financing management module is used for realizing financing requirements of customers and banks; the financial management module is used for recording detailed running lists of transactions between the customers and the banks; the product management module is used for managing third party transactions.
Preferably, the client management module comprises an identity authentication module, a basic information management module, a credit standing record management module and a rating information management module, wherein the identity authentication module is used for authenticating the identity information of the client, and the basic information management module is used for storing the basic information of the client; the credit standing record management module is used for recording credit standing information of a client; and the rating information management module divides the rating level of credit worthiness according to the credit worthiness information of the client.
Preferably, the identity authentication module comprises a real-name authentication module and a face recognition module, and the real-name authentication module is used for real-name authentication of client information; the face recognition module is used for collecting and authenticating face information of a client.
Preferably, the face recognition module comprises an image acquisition module, an image processing module, a sample training module and a face recognition module, wherein the image acquisition module is used for acquiring face image data; the image processing module is used for processing the acquired face image data; the sample training module is used for training the processed human face image data and extracting characteristic information; the face recognition module is used for matching the collected face image with the extracted feature information and completing face recognition.
Preferably, the image processing module comprises a geometric normalization module, a graying processing module, a histogram equalization module, a weighted value filtering module and a feature extraction module; the geometric normalization module is used for rotating and cutting the collected face image data into files to form a unified standard; the graying processing module is used for converting the color image into a grayscale image; the histogram equalization module is used for adjusting the gray distribution of the image; the weighted value filtering module is used for removing interference noise in the image; the feature extraction module is used for extracting feature data in the face image.
Preferably, the face recognition module comprises a feature selection module, a face matching module, a threshold judgment module and a face corresponding module; the characteristic selection module is used for selecting characteristic data in the face image; the face matching module is used for comparing and matching the selected characteristic data with the collected face data; the threshold judging module is used for setting a threshold and judging whether the face image data to be identified is the collected face image data; the face corresponding module is used for corresponding the face image to be recognized and the collected face image and outputting the face image.
Preferably, the financing management module comprises a financing application module, an approval application module, a financing and paying module, a financing and gathering module and an information feedback module; the financing application module is used for submitting a financing request application form within the level range of self credit rating of a client on the cloud platform; the approval application module is used for approving the application form of the client; the financing and paying module is used for paying money to the client by the bank according to the examination and approval result of the application form; the financing collection module is used for collecting financing repayment by the bank; the information feedback module is used for feeding back financing information to the cloud platform.
Preferably, the product management module comprises a supplier module, a buyer module and a third party payment module, wherein the supplier module is used for the supplier to access the cloud platform, the buyer module is used for the buyer to access the cloud platform, and the third party payment module is used for the third party to pay to access the cloud platform.
Preferably, the supplier module comprises a basic commodity information display module, a commodity traceability information display module and a commodity collection module, the buyer module comprises a commodity information search module, a commodity information comparison module and a payment module, and the basic commodity information display module is used for displaying basic commodity information; the commodity traceability information display module is used for displaying traceability information of commodities; the commodity collection module is used for providing collection code information; the commodity information searching module is used for searching commodities; the commodity information comparison module is used for comparing various commodity information; the payment module is used for code scanning payment.
In another aspect, the present invention further provides a financial supply chain transaction platform method, including any one of the above financial supply chain transaction platform systems and methods, which includes the following steps:
s1, customer management: the identity information of the client is authenticated through the identity authentication module, the basic information of the client is stored through the basic information management module, the credit information of the client is recorded through the credit information recording management module, the grade of credit information rating is divided according to the credit information of the client through the rating information management module, and the client information is transmitted to the cloud platform for storage;
s2, financing management: a client submits a financing request application form within the level range of self credit worthiness rating on the cloud platform through the financing application module; the application form of the client is approved through an approval application module; the bank pays money to the client through the financing payment module according to the approval result of the application form, collects financing repayment through the financing collection module and feeds back financing information to the cloud platform through the information feedback module;
s3, financial management: the method comprises the steps of recording payment information of a client through a money list recording module, recording collection information of the client through a collection list recording module, recording bank collection information through a bank payment putting recording module, recording bank collection information through a bank collection recording module, and printing a transaction list between the client and a bank through a financial record printing module;
s4, a product management module: the supplier accesses the cloud platform and displays commodities on the cloud platform, the buyer accesses the cloud platform and purchases commodities in the cloud platform, and the transaction between the supplier and the buyer is completed by the third-party payment module.
Compared with the prior art, the invention has the beneficial effects that:
1. in the financial supply chain transaction platform system and the method, a face recognition technology is adopted, customer information data are perfected, meanwhile, the credit worthiness rating level is divided according to credit worthiness information of a customer, the customer information is transmitted to a cloud platform to be stored, the correspondence between the customer identity information and the credit worthiness information is realized, and the customer identity information and the credit worthiness information are stored to the cloud.
2. In the financial supply chain transaction platform system and the method, a client submits a financing request application form within the level range of the credit worthiness rating of the client, so that the auditing time of a bank is reduced, and meanwhile, the bank can conveniently realize financing by taking credit worthiness information of the client as a reference.
3. In the financial supply chain transaction platform system and the financial supply chain transaction method, during financing, the detailed list content is recorded through the financial management module, so that the content is prevented from being lost, and meanwhile, the list can be printed.
4. According to the financial supply chain transaction platform system and the method, a supplier and a buyer are respectively connected to the cloud platform, and commodity transaction in the cloud platform is achieved.
Drawings
FIG. 1 is an overall frame diagram of the present invention;
FIG. 2 is a schematic diagram of a customer management module of the present invention;
FIG. 3 is a schematic diagram of an identity authentication module according to the present invention;
FIG. 4 is a schematic diagram of a face recognition module according to the present invention;
FIG. 5 is a schematic diagram of an image processing module according to the present invention;
FIG. 6 is a schematic view of a face recognition module according to the present invention;
FIG. 7 is a diagram of a financing management module according to the present invention;
FIG. 8 is a schematic diagram of a financial management module according to the present invention;
FIG. 9 is a schematic view of a product management module of the present invention;
FIG. 10 is a schematic diagram of a supplier module of the present invention;
FIG. 11 is a schematic diagram of a buyer module of the present invention;
fig. 12 is a connection diagram of a wireless transmission module and a device according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example 1
The invention provides a financial supply chain transaction platform system, which comprises a cloud platform as shown in fig. 1 and fig. 2, wherein the cloud platform comprises a client management module, a financing management module, a financial management module and a product management module, the client management module, the financing management module, the financial management module and the product management module realize data interaction with the cloud platform through a wireless transmission module, and the client management module is used for registering client information and judging client credit worthiness; the financing management module is used for realizing the financing requirements of the customers and the banks; the financial management module is used for recording detailed running lists of transactions between the customers and the banks; the product management module is used for managing third-party transactions.
In this embodiment, the cloud platform includes a Web service module, a message communication module, a Flex open-source framework module, and an Oracle database.
The Web service module is a remote calling technology of cross-programming language and cross-operating system platforms, a universal model of an application program is constructed by constructing a universal technical layer irrelevant to the platforms and languages, and specific required application services are issued to the outside in an interface mode, so that the mutual connection and integration of application systems of various platforms and languages are realized. The Web Service adopts HTTP protocol to transmit data, and adopts XML format to package transaction data, namely, the method for calling the remote Service object, the transmitted parameters and the result returned by the Service object are described in XML.
Among other things, the messaging module is a lightweight, simple, XML-based protocol designed to exchange structured and solidified information on the Web. SOAP can be used in conjunction with many existing Internet protocols and formats, including HyperText transfer protocol (HTTP), Simple Mail Transfer Protocol (SMTP), and Multipurpose Internet Mail Extensions (MIME).
The Flex open source frame module is designed based on Flex, the Flex is an efficient and free open source frame and can be used for constructing W song application programs with expressive force, the application programs are displayed by using an Adobe Flash Player, RIA created by the Flex can run in a browser using Adobe Flash Player software, or run outside the browser on Adobe AIR when a cross-operating system runs, and the RIA can span all main browsers to realize complete and consistent operation on a desktop.
Specifically, the data transmission module adopts the embedded WIFI module of LTE180 to realize data wireless transmission, the embedded serial ports WIFI module of LTE180 is a section super small-size and powerful, support 2.4G and 5G frequency channels simultaneously, TCP/IP protocol stack and driver have integrateed, high durability and convenient use, can easily dispose operating mode with host computer and web, the stable performance, transmission rate is fast, this module can be connected with serial devices simultaneously, carry out wireless communication with PC and embedded setting, be convenient for install.
Further, the wireless parameters of the LTE180 embedded WIFI module are shown in the following table:
wireless parameter table
Figure BDA0002192817460000061
Further, the LTE180 embedded WIFI module is connected to the device as shown in fig. 9, where VDD is the module power input; GND is module grounding; nRXD is UART data input; nTXD is UART sending data; nCTS is UART allowed to send signals, and the low level is effective; nRTS is a UART receive ready signal, active low. The CPU wakes up from the sleep mode after receiving the external/CTS signal; MODSEL is the working mode of the selection module, and is pulled up: entering a transparent transmission mode, and bottoming, namely entering a command control mode; RESET is to pull the pin down, and the module can be initialized again; BUSY indicates the BUSY state of the module, and the embedded equipment inquires the state of the IO port before sending data; ULPMODE is whether the Wifi module is powered off currently; RESTOR is factory reset; NETSTA is the current networking state of the module, and the state indicator lamp is synchronized.
It is worth to be noted that the client management module comprises an identity authentication module, a basic information management module, a credit standing record management module and a rating information management module, wherein the identity authentication module is used for authenticating the identity information of the client, and the basic information management module is used for storing the basic information of the client; the credit standing record management module is used for recording credit standing information of a client; and the rating information management module divides the rating level of credit worthiness according to the credit worthiness information of the client.
Example 2
As a second embodiment of the present invention, in order to facilitate authentication of the identity information of the client, as a preferred embodiment, as shown in fig. 3 to fig. 6, the present invention is further provided with an identity authentication module, where the identity authentication module includes a real-name authentication module and a face recognition module, and the real-name authentication module is used for real-name authentication of the client information; the face recognition module is used for collecting and authenticating face information of the client.
In this embodiment, the face recognition module includes an image acquisition module, an image processing module, a sample training module and a face recognition module, and the image acquisition module is used for acquiring face image data; the image processing module is used for processing the acquired face image data; the sample training module is used for training the processed face image data and extracting characteristic information; the face recognition module is used for matching the collected face image with the extracted characteristic information and completing face recognition.
The image acquisition module is designed based on an image sensor CCD, the image sensor CCD is also called a charge integrating element and is a semiconductor device, an optical image can be converted into a digital signal, an acquired user image signal is converted into a digital signal approved by a computer through a sensor, and storage, transmission, processing and display of an image are realized.
The image processing module is designed based on an Ubuntu operating system, the Ubuntu is a Linux operating system which is established based on Debian and can provide a refining software package for a window interface and a server system, the Ubuntu has a powerful management system, is simple and safe to operate, is completely clean to install or delete, eliminates a large amount of available and unusable software attached to most Linux operating system releases, only reserves the most core program segments and high-quality application programs, provides a robust and rich-function computer system operating environment, is suitable for personal use and commercial development environment, and supports various architectures including i386 series, Pentium series, Athlon/Duron/sempern processors, AMD64 series, PowerPC series and the like.
Furthermore, the image processing module comprises a geometric normalization module, a graying processing module, a histogram equalization module, a weighted value filtering module and a feature extraction module; the geometric normalization module is used for rotating and cutting the collected face image data into files to form a unified standard; the graying processing module is used for converting the color image into a grayscale image; the histogram equalization module is used for adjusting the gray distribution of the image; the weighted value filtering module is used for removing interference noise in the image; the feature extraction module is used for extracting feature data in the face image.
The geometric normalization module adopts linear function conversion and is expressed as follows:
y＝(x-MinValue)/(MaxValue-MinValue)
x and y are values before and after conversion respectively, and MaxValue and MinValue are maximum values and minimum values of the samples respectively.
The graying processing module performs graying processing based on Matlab simulation software, in an RGB model, if R is G or B, the color represents a grayscale color, wherein the value of R is G or B is called a gray value, a weighted average method is adopted, and the three components are weighted and averaged by different weights according to importance and other indexes, and the formula is as follows:
f(i,j)＝0.30R(i,j)+0.59G(i,j)+0.11B(i,j)
the histogram equalization module algorithm comprises the following steps:
further, the histogram equalization module algorithm comprises the following steps:
1) give all gray levels S of the original imagek(k＝0,1,…,L-1)；
2) Counting the number n of pixels of each gray level of the original imagek；
3) Calculating a gray level histogram from the original image:
Figure BDA0002192817460000081
4) calculating a cumulative histogram of the original image:
Figure BDA0002192817460000082
5) rounding calculation:
6) determining a mapping relationship:
Sk→Uk
7) make statistics of each gray level U of the new histogramkN of pixelsk；
8) Calculate new histogram:
Figure BDA0002192817460000084
the weighted value filtering module principle is that the continuous N times of sampling values are respectively multiplied by different weighted coefficients and then accumulated, the weighted coefficients are generally small first and then large so as to highlight the effect of a plurality of sampling at the back, the understanding of the system to the parameter variation trend is enhanced, each weighted coefficient is smaller than 1 decimal, and the end condition that the sum is equal to 1 is met, the accumulated sum after the weighted operation is an effective sampling value, wherein the mathematical model of the weighted average digital filtering is as follows:
Figure BDA0002192817460000091
in the formula: d is the weighted average of the N sample values: XN-i is the sampling value of the Nth time to the ith time; n is the number of sampling times, Ci is the weighting coefficient, the weighting coefficient Ci reflects the proportion of various sampling values in the average value, generally speaking, the more the number of sampling times is later, the larger the proportion of new sampling in the average value is, thus the proportion of new sampling in the average value can be increased, and the weighted average filtering method can highlight one part of signals to resist the other part of signals so as to improve the sensitivity of sampling value change.
Specifically, the face recognition module comprises a feature selection module, a face matching module, a threshold value judgment module and a face corresponding module; the characteristic selection module is used for selecting characteristic data in the face image; the face matching module is used for comparing and matching the selected characteristic data with the collected face data; the threshold value judging module is used for setting a threshold value and judging whether the face image data to be identified is the acquired face image data; the face corresponding module is used for corresponding the face image to be recognized and the collected face image and outputting the face image.
The analysis algorithm of the face matching model is as follows: if A is a matrix of n rows and k columns, the covariance matrix C, C of the matrix A is calculated as follows:
Figure BDA0002192817460000092
where u ═ e (X), is the expected value of each column of vectors, here the mean of each column of vectors, and each element in the covariance matrix is the covariance between the different components of the random vector X represented, as element Cij is the covariance reflecting the random variables Xi, Xj, which is the correlation between the variables, and if the covariance is small, the correlation between the two variables is small.
The threshold judgment module normalizes the two pictures by adopting an image covariance comparison method, and then calculates the covariance, wherein the covariance of the image A and the image B is calculated as follows:
Figure BDA0002192817460000101
example 3
As a third embodiment of the present invention, in order to manage the bank financing information, the present invention is further provided with a financing management module, as a preferred embodiment, as shown in fig. 7, the financing management module includes a financing application module, an approval application module, a financing payment module, a financing collection module and an information feedback module; the application financing module is used for submitting a financing request application form within the level range of self credit rating of a client on the cloud platform; the approval application module is used for approving the application form of the client; the financing and paying module is used for paying money to the client by the bank according to the examination and approval result of the application form; the financing collection module is used for collecting financing repayment by the bank; the information feedback module is used for feeding back financing information to the cloud platform.
In this embodiment, the financing and payment process flow is as follows:
(1) submitting a financing request application form according to the level range of the self credit rating of the client on the platform;
(2) the platform professional accepts the financing application aiming at the client for investigation and examination and approval verification, and transfers the approved application form and related materials to a commercial bank for review again;
(3) the commercial bank checks and approves the financing application form of the client again, the checking and approving is carried out according to the requirements of the client financing application form and the client is released to the client by the bank, meanwhile, the bank requires the client to return financing money within the specified time, and instant synchronous data are sent to the platform and notified to the client;
specifically, the financing repayment process:
(1) submitting a financing repayment application form on the platform step by step according to the repayment time of the financing money of the client;
(2) and the platform full-time staff examines and approves the financing and repayment bill of the customer, meanwhile, the platform automatically pushes data to the commercial bank, and then the customer performs online repayment of financing money on the platform to the commercial bank.
(3) And after receiving the repayment of the financing customer, the commercial bank pushes the data to the platform in time and informs the customer.
Example 4
As a fourth embodiment of the present invention, in order to manage the transaction list between the client and the bank, the present invention further provides a financial management module, as a preferred embodiment, as shown in fig. 8, the financial management module includes a payment list recording module, a collection list recording module, a bank payment record module, a bank collection record module, and a financial record printing module, the payment list recording module is used for recording the payment information of the client, the collection list recording module is used for recording the collection information of the client, the bank payment record module is used for recording the collection information of the bank, the bank collection record module is used for recording the collection information of the bank, and the financial record printing module is used for printing the transaction list between the client and the bank.
Example 5
As a fifth embodiment of the present invention, in order to facilitate the cloud transaction through the cloud platform, the present invention is further provided with a product management module, as shown in fig. 9 to 11, as a preferred embodiment, the product management module includes a supplier module, a buyer module and a third party payment module, the supplier module is used for the supplier to access the cloud platform, the buyer module is used for the buyer to access the cloud platform, and the third party payment module is used for the third party to pay to access the cloud platform.
In this embodiment, the supplier module, the buyer module, and the third-party payment module all use a unified HTTP communication protocol to access the cloud platform, and during docking, an HTTPs protocol is used to interact in a POST manner, where HTTPs is a secure hypertext transfer protocol, is a secure communication channel, is developed based on HTTP, and is used to exchange information between the client computer and the server. The information exchange is carried out by using a Secure Socket Layer (SSL), and the safety of information transmission is ensured. The interaction with the third-party platform adopts a WebServices mode, Web Service is based on HTTP communication and uses WEB technology of SOAP simple object access protocol, the interface which needs to be opened by the third-party platform can be exposed in a WSDL file mode by using the mode, and any third-party platform which needs to be accessed can know the transmission format and the return format of the interface by analyzing the file.
Furthermore, the supplier module comprises a commodity basic information display module, a commodity traceability information display module and a commodity collection module, the buyer module comprises a commodity information search module, a commodity information comparison module and a payment module, and the commodity basic information display module is used for displaying commodity basic information; the commodity traceability information display module is used for displaying traceability information of the commodity; the commodity collection module is used for providing collection code information; the commodity information searching module is used for searching commodities; the commodity information comparison module is used for comparing various commodity information; the payment module is used for code scanning payment.
In another aspect, the present invention further provides a financial supply chain transaction platform method, including any one of the above financial supply chain transaction platform systems and methods, which includes the following operation steps:
s1, customer management: the identity information of the client is authenticated through the identity authentication module, the basic information of the client is stored through the basic information management module, the credit information of the client is recorded through the credit information recording management module, the grade of credit information rating is divided according to the credit information of the client through the rating information management module, and the client information is transmitted to the cloud platform for storage;
s2, financing management: a client submits a financing request application form within the level range of self credit worthiness rating on the cloud platform through the financing application module; the application form of the client is approved through an approval application module; the bank pays money to the client through the financing payment module according to the approval result of the application form, collects financing repayment through the financing collection module and feeds back financing information to the cloud platform through the information feedback module;
s3, financial management: the method comprises the steps of recording payment information of a client through a money list recording module, recording collection information of the client through a collection list recording module, recording bank collection information through a bank payment putting recording module, recording bank collection information through a bank collection recording module, and printing a transaction list between the client and a bank through a financial record printing module;
s4, a product management module: the supplier accesses the cloud platform and displays commodities on the cloud platform, the buyer accesses the cloud platform and purchases commodities in the cloud platform, and the transaction between the supplier and the buyer is completed by the third-party payment module.
The foregoing shows and describes the general principles, essential features, and advantages of the invention. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, and the preferred embodiments of the present invention are described in the above embodiments and the description, and are not intended to limit the present invention. The scope of the invention is defined by the appended claims and equivalents thereof.

Claims (10)

1. The utility model provides a financial supply chain transaction platform system, includes the high in the clouds platform, its characterized in that: the cloud platform comprises a client management module, a financing management module, a financial management module and a product management module, the client management module, the financing management module, the financial management module and the product management module realize data interaction with the cloud platform through a wireless transmission module, and the client management module is used for registering client information and judging client credit worthiness; the financing management module is used for realizing financing requirements of customers and banks; the financial management module is used for recording detailed running lists of transactions between the customers and the banks; the product management module is used for managing third party transactions.
2. The financial supply chain trading platform system of claim 1, wherein: the client management module comprises an identity authentication module, a basic information management module, a credit standing record management module and a rating information management module, wherein the identity authentication module is used for authenticating the identity information of a client, and the basic information management module is used for storing the basic information of the client; the credit standing record management module is used for recording credit standing information of a client; and the rating information management module divides the rating level of credit worthiness according to the credit worthiness information of the client.
3. The financial supply chain trading platform system of claim 2, wherein: the identity authentication module comprises a real-name authentication module and a face recognition module, and the real-name authentication module is used for authenticating client information in a real-name manner; the face recognition module is used for collecting and authenticating face information of a client.
4. The financial supply chain trading platform system of claim 3, wherein: the face recognition module comprises an image acquisition module, an image processing module, a sample training module and a face recognition module, and the image acquisition module is used for acquiring face image data; the image processing module is used for processing the acquired face image data; the sample training module is used for training the processed human face image data and extracting characteristic information; the face recognition module is used for matching the collected face image with the extracted feature information and completing face recognition.
5. The financial supply chain trading platform system of claim 4, wherein: the image processing module comprises a geometric normalization module, a graying processing module, a histogram equalization module, a weighted value filtering module and a feature extraction module; the geometric normalization module is used for rotating and cutting the collected face image data into files to form a unified standard; the graying processing module is used for converting the color image into a grayscale image; the histogram equalization module is used for adjusting the gray distribution of the image; the weighted value filtering module is used for removing interference noise in the image; the feature extraction module is used for extracting feature data in the face image.
6. The financial supply chain trading platform system of claim 4, wherein: the face recognition module comprises a feature selection module, a face matching module, a threshold value judgment module and a face corresponding module; the characteristic selection module is used for selecting characteristic data in the face image; the face matching module is used for comparing and matching the selected characteristic data with the collected face data; the threshold judging module is used for setting a threshold and judging whether the face image data to be identified is the collected face image data; the face corresponding module is used for corresponding the face image to be recognized and the collected face image and outputting the face image.
7. The financial supply chain trading platform system of claim 1, wherein: the financing management module comprises a financing application module, an approval application module, a financing and paying module, a financing and gathering module and an information feedback module; the financing application module is used for submitting a financing request application form within the level range of self credit rating of a client on the cloud platform; the approval application module is used for approving the application form of the client; the financing and paying module is used for paying money to the client by the bank according to the examination and approval result of the application form; the financing collection module is used for collecting financing repayment by the bank; the information feedback module is used for feeding back financing information to the cloud platform.
8. The financial supply chain trading platform system of claim 1, wherein: the product management module comprises a supplier module, a purchasing party module and a third party payment module, wherein the supplier module is used for a supplier to access the cloud platform, the purchasing party module is used for a purchasing party to access the cloud platform, and the third party payment module is used for a third party to pay to access the cloud platform.
9. The financial supply chain trading platform system of claim 8, wherein: the supplier module comprises a basic commodity information display module, a commodity traceability information display module and a commodity collection module, the buyer module comprises a commodity information search module, a commodity information comparison module and a payment module, and the basic commodity information display module is used for displaying basic commodity information; the commodity traceability information display module is used for displaying traceability information of commodities; the commodity collection module is used for providing collection code information; the commodity information searching module is used for searching commodities; the commodity information comparison module is used for comparing various commodity information; the payment module is used for code scanning payment.
10. A financial supply chain trading platform method, comprising the financial supply chain trading platform system and method of any one of claims 1-9, and operating steps thereof are as follows:
s1, customer management: the identity information of the client is authenticated through the identity authentication module, the basic information of the client is stored through the basic information management module, the credit information of the client is recorded through the credit information recording management module, the grade of credit information rating is divided according to the credit information of the client through the rating information management module, and the client information is transmitted to the cloud platform for storage;
s2, financing management: a client submits a financing request application form within the level range of self credit worthiness rating on the cloud platform through the financing application module; the application form of the client is approved through an approval application module; the bank pays money to the client through the financing payment module according to the approval result of the application form, collects financing repayment through the financing collection module and feeds back financing information to the cloud platform through the information feedback module;
s3, financial management: the method comprises the steps of recording payment information of a client through a money list recording module, recording collection information of the client through a collection list recording module, recording bank collection information through a bank payment putting recording module, recording bank collection information through a bank collection recording module, and printing a transaction list between the client and a bank through a financial record printing module;
s4, a product management module: the supplier accesses the cloud platform and displays commodities on the cloud platform, the buyer accesses the cloud platform and purchases commodities in the cloud platform, and the transaction between the supplier and the buyer is completed by the third-party payment module.
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