TWI885852B - Financing inquiry service system - Google Patents

Abstract

A financing inquiry service system, including a front-end transaction database and a management device. The front-end transaction database stores multiple financing completion records. Each financing completion record includes a unique identification code related to a certification document. After receiving a financing query request from a target financing institution device including a query unique identification code related to a financing certification document to be applied for, the management device determines whether the front-end transaction database stores at least one duplicate financing completion record that includes a unique identification code that matches the query unique identification code. When the judgment result is positive, the management device generates and sends a financing inquiry reply indicating that the at least one repeated financing completion record is stored to the target financing institution device through the communication network.

Description

Financing Enquiry Service System

The present invention relates to an inquiry service system, and in particular to a financing inquiry service system.

Trade financing is a financial instrument that enables companies to obtain the funds they need in advance while waiting for loans, which helps improve the company's liquidity. Through trade financing, companies can reduce the risk of delayed or non-payment by buyers.

Trade financing covers a variety of methods, including document against payment (D/P), document against acceptance (D/A), open account (O/A), letter of credit financing, and accounts receivable purchase. Different financing institutions or trade financing methods require different supporting documents when applying for trade financing. The more common documents are bill of lading, cargo insurance policy, letter of credit, and commercial invoice.

However, due to the lack of cross-checking channels between financing institutions, enterprises may submit the same certification documents to different financing institutions to apply for multiple financings. It is difficult for financing institutions to confirm whether the certification documents are duplicated in the financing application, which makes the financing institutions face greater risks.

Therefore, the purpose of the present invention is to provide a financing inquiry service system that can inquire whether a financing application is repeated.

Therefore, the financing inquiry service system of the present invention is connected to a plurality of financing institution devices respectively set in a plurality of financing institutions via a communication network. The trade financing management system includes a front-end transaction database and a management device.

The front-end transaction database stores a plurality of financing completion records related to financing completed at the financing institutions, each of which includes a unique identification code associated with a certification document.

The management device is connected to the front-end transaction database and the financing institution devices via the communication network.

Among them, after the management device receives a financing inquiry request including a query unique identification code related to a financing certificate document to be applied for from one of the target financing institution devices, the management device determines whether the front-end transaction database stores at least one duplicate financing completion record including a unique identification code that matches the query unique identification code. When it is determined that the front-end transaction database stores the at least one duplicate financing completion record, a financing inquiry response indicating that the at least one duplicate financing completion record is stored is generated and transmitted to the target financing institution device via the communication network.

The effect of the present invention is that: the management device determines whether the front-end transaction database stores at least one duplicate financing completion record. When it is determined that the front-end transaction database stores at least one duplicate financing completion record, the financing inquiry reply is generated and transmitted to the target financing institution device, so that the target financing institution device can effectively inquire whether the financing certificate document to be applied for is a duplicate financing application.

Before the present invention is described in detail, it should be noted that similar components are represented by the same reference numerals in the following description.

Referring to FIG. 1 , an embodiment of the financing inquiry service system 1 of the present invention is illustrated. The embodiment is connected to a plurality of financing institution devices 2 respectively disposed in a plurality of financing institutions via a communication network 100. The embodiment includes a blockchain system 11, a management device 12, and a front-end transaction database 13.

The blockchain system 11 includes a plurality of blockchain nodes 111 , which are interconnected via the communication network 100 .

The management device 12 is connected to the blockchain system 11 and the financial institution device 2 via the communication network 100.

The front-end transaction database 13 stores a plurality of financing completion records related to financing completed at the financing institutions, each of which includes a business category, a unique identification code associated with a certification document, an institution code associated with one of the financing institutions, a transport operator code, a borrower code, a financing date, a bill of lading opening date, a branch code, contact information, and a remark.

It is worth noting that the blockchain nodes 111 are, for example, personal computers, servers, or embedded devices, the unique identification code is, for example, a bill of lading number or an invoice number, the business category is, for example, an import category or an export category, and the management device 12 is, for example, a server or a cloud host, but is not limited thereto.

The following will illustrate the operational details of the embodiment of the financing inquiry service system 1 of the present invention through an upload process, a query process, and a deletion process.

1 and 2 , the upload procedure illustrates that one of the target financing institution devices 2 uploads a current financing completion record to the front-end transaction database 13 to facilitate other financing institution devices 2 to query the financing status.

In step 21, the target financing institution device 2 generates and transmits a financing upload request to the management device 12 via the communication network 100, wherein the financing upload request includes a current financing completion record and a signature corresponding to the target financing institution device 2.

In step 22, the management device 12 determines whether the signature is correct and valid, and whether the data format of the current financing completion record is correct. When it is determined that the signature is correct and valid, and the data format of the current financing completion record is correct, the process proceeds to step 23; and when it is determined that the signature is incorrect, or the data format of the current financing completion record is incorrect, the process proceeds to step 24.

It is worth noting that in other implementations, it is only necessary to determine whether the signature is correct or whether the data format of the current financing completion record is correct. In this embodiment, the target financing institution device 2 uses a private key to encrypt the current financing completion record to obtain the signature, and the management device 12 decrypts the signature according to a public key corresponding to the private key. If it can be decrypted, it is determined that the signature is correct. Otherwise, if it cannot be decrypted, it is determined that the signature is incorrect. Furthermore, in this embodiment, each data field of the current financing completion record is preset with a specific rule. The specific rule of the management device 12 determines whether the data format of the current financing completion record is correct. The specific rule preset for each data field is shown in Table 1 below. Among them, AN is alphanumeric, which means a mixture of letters and numbers. ANS stands for Alphanumeric and Special characters, which means a mixture of letters, numbers, and special characters. N stands for Numeric, which means only numbers. A stands for Alphabetic, which means only letters. DATE stands for date format. Specific rules Data Field Character Format Character length Business Category AN 4 Bill of Lading Number ANS 32 Financing institution code N 3 Transport Operators AN 8 Borrower ID AN 8 Invoice Number AN 10 Financing Date DATE 10 Bill of Lading Issue Date DATE 10 Branch Code AN 4 Contact Information N 10 Notes A 256 Table 1

In step 23, the management device 12 determines whether the front-end transaction database 13 stores at least one uploaded financing completion record including a unique identification code matching the current unique identification code. When it is determined that the front-end transaction database 13 stores at least one uploaded financing completion record, the process proceeds to step 24; and when it is determined that the front-end transaction database 13 does not store at least one uploaded financing completion record, the process proceeds to step 25.

In step 24, the management device 12 generates and transmits a financing upload error response indicating an error to the target financing institution device 2 via the communication network 100.

In step 25, the management device 12 transmits the current financing completion record to the front-end transaction database 13 via the communication network 100 for storage.

In step 26 , the management device 12 generates and transmits a financing upload success reply indicating that the upload is successful to the target financing institution device 2 via the communication network 100 .

In step 27 , the management device 12 generates and transmits upload archive data related to the financing upload request and the financing upload success response to the blockchain system 11 via the communication network 100 .

It is worth noting that in the present embodiment, the management device 12 transmits the uploaded archive data to one of the target blockchain nodes 111 of the blockchain nodes 111 of the blockchain system 11 via the communication network 100. After the target blockchain node 111 stores the uploaded archive data, it transmits the uploaded archive data to other blockchain nodes 111 via the communication network 100 for storage.

1 and 3 , the query procedure illustrates the target financing institution device 2 querying the financing status of a query unique identification code associated with a financing certificate document to be applied for.

In step 31, the target financing institution device 2 generates and transmits a financing inquiry request to the management device 12 via the communication network 100, wherein the financing inquiry request includes the inquiry unique identification code.

In step 32, the management device 12 determines whether the front-end transaction database 13 stores at least one duplicate financing completion record whose included unique identification code matches the query unique identification code, or stores at least one target financing inquiry record whose included unique identification code matches the query unique identification code. When it is determined that the front-end transaction database 13 stores at least one duplicate financing completion record, or stores at least one target financing inquiry record, the process proceeds to step 33; and when it is determined that the front-end transaction database 13 does not store at least one duplicate financing completion record, and does not store at least one target financing inquiry record, the process proceeds to step 34.

In step 33, the management device 12 generates and transmits via the communication network 100 a financing inquiry response indicating that the at least one duplicate financing completion record and/or the at least one target financing inquiry record is stored.

In step 34, the management device 12 generates and transmits via the communication network 100 a financing inquiry response indicating that the at least one duplicate financing completion record and the at least one target financing inquiry record are not stored.

It is noteworthy that in the present embodiment, the financing inquiry responses generated in step 33 and step 34 both include a number of times financed corresponding to the number of the at least one repeated financing completion record, and a number of times inquired corresponding to the number of the at least one target financing inquiry record, wherein the number of times financed and the number of times inquired of the financing inquiry response generated in step 34 are both zero, but not limited to this.

In step 35, the management device 12 generates a current financing inquiry record including the inquiry unique identification code, and transmits the current financing inquiry record to the front-end transaction database 13 for storage via the communication network 100.

The management device 12 generates and transmits query archive data related to the financing query request and the financing query response to the blockchain system 11 via the communication network 100.

It should be noted that the blockchain system 11 stores the query archive data in the same manner as the upload archive data, and therefore will not be elaborated herein.

1 and 4 , the deletion process illustrates that the target financing institution device 2 deletes the erroneous financing completion record.

In step 41, the target financing institution device 2 generates and transmits a financing deletion request to the management device 12 via the communication network 100, wherein the financing deletion request includes a signature corresponding to the target financing institution device 2, a target institution code corresponding to the target financing institution device 2, and a unique identification code to be deleted.

In step 42, the management device 12 determines whether the signature is correct and valid. When the signature is determined to be correct and valid, the process proceeds to step 43; and when the signature is determined to be incorrect, the process proceeds to step 47.

In step 43, the management device 12 determines whether the front-end transaction database 13 stores a record of financing completion to be deleted, wherein the institution code and the unique identification code included in the record of financing completion to be deleted match the target institution code and the unique identification code to be deleted respectively. When it is determined that the front-end transaction database 13 stores the record of financing completion to be deleted, the process proceeds to step 44; and when it is determined that the front-end transaction database 13 does not store the record of financing completion to be deleted, the process proceeds to step 47.

In step 44, the management device 12 deletes the financing completion record to be deleted stored in the front-end transaction database 13.

In step 45 , the management device 12 generates and transmits a successful financing deletion reply to the financing institution device 2 via the communication network 100 indicating successful deletion.

In step 46, the management device 12 generates and transmits a financing deletion failure response indicating the deletion failure to the financing institution device 2 via the communication network 100.

In step 46, the management device 12 generates and transmits a deletion archive data related to the financing deletion request and the financing deletion success response to the blockchain system via the communication network 100.

It should be noted that the method in which the blockchain system 11 stores the deleted archive data is the same as the method in which the uploaded archive data is stored, so it will not be elaborated here.

In summary, the financing inquiry service system 1 of the present invention, when determining that the front-end transaction database 13 stores the at least one duplicate financing completion record or the at least one target financing inquiry record, the management device 12 generates and transmits the financing inquiry reply to the target financing institution device 2, so that the target financing institution device 2 can effectively inquire whether the financing certificate document to be applied for is a duplicate financing application. In addition, the target financing institution device 2 can upload the current financing completion record in real time through the management device 12 to facilitate other financing institution devices 2 to check the financing status, and when an upload error is found, the target financing institution device 2 can delete the financing completion record to be deleted through the management device 12, so the purpose of the present invention can be achieved.

However, the above is only an embodiment of the present invention and should not be used to limit the scope of implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

1: Financing inquiry service system 11: Blockchain system 111: Blockchain node 12: Management device 13: Front-end transaction database 100: Communication network 2: Financing institution device

Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, in which: FIG. 1 is a block diagram of an implementation of the financing inquiry service system of the present invention; FIG. 2 is a flow chart illustrating that the implementation of the financing inquiry service system of the present invention performs an upload procedure; FIG. 3 is a flow chart illustrating that the implementation of the financing inquiry service system of the present invention performs a query procedure, and FIG. 4 is a flow chart illustrating that the implementation of the financing inquiry service system of the present invention performs a deletion procedure.

1: Financing inquiry service system

11: Blockchain system

111: Blockchain node

12: Management device

13: Front desk transaction database

100: Communication network

2: Financing institution equipment

Claims (10)

A financing inquiry service system is connected to a plurality of financing institution devices respectively installed in a plurality of financing institutions via a communication network, and the financing inquiry service system comprises: a front-end transaction database storing a plurality of financing completion records related to financing completed in the financing institutions, each financing completion record including a unique identification code related to a certification document; and a management device connected to the front-end transaction database and the financing institution devices via the communication network; Wherein, after the management device receives a financing inquiry request including an inquiry unique identification code related to a financing certificate document to be applied for from one of the target financing institution devices, the management device determines whether the front-end transaction database stores at least one duplicate financing completion record including a unique identification code matching the inquiry unique identification code. When it is determined that the front-end transaction database stores at least one duplicate financing completion record, a financing inquiry response indicating that at least one duplicate financing completion record is stored is generated and transmitted to the target financing institution device via the communication network. A financing inquiry service system as described in claim 1, wherein the front-end transaction database further stores a plurality of financing inquiry records related to inquiries conducted on the financing institutions, each financing inquiry record including a unique identification code associated with a certification document. After the management device receives the financing inquiry request, the management device further determines whether the front-end transaction database stores at least one target financing inquiry record including a unique identification code that matches the inquiry unique identification code. When it is determined that the front-end transaction database stores the at least one target financing inquiry record, a financing inquiry response indicating that the at least one target financing inquiry record is stored is generated and transmitted via the communication network. A financing inquiry service system as described in claim 2, wherein the financing inquiry response includes a number of financings completed related to the number of the at least one repeated financing completion record, and a number of inquiries completed related to the number of the at least one target financing inquiry record. A financing inquiry service system as described in claim 2, wherein the management device further generates a current financing inquiry record including the inquiry unique identification code, and transmits the current financing inquiry record to the front-end transaction database for storage via the communication network. A financing inquiry service system as described in claim 1, wherein, after the management device receives a financing upload request from the target financing institution device, the financing upload request includes a current financing completion record and a signature corresponding to the target financing institution device, and the management device determines whether the signature is correct and valid. When it is determined that the signature is correct and valid, the current financing completion record is transmitted to the front-end transaction database for storage via the communication network, and a financing upload success reply indicating a successful upload is generated and transmitted to the target financing institution device via the communication network. A financing inquiry service system as described in claim 5, wherein the management device further determines whether the data format of the current financing completion record of the financing upload request is correct. When it is determined that the signature is correct and valid and the data format of the current financing completion record is correct, the current financing completion record is transmitted to the front-end transaction database for storage via the communication network, and a financing upload success reply is generated and transmitted to the target financing institution device via the communication network. A financing inquiry service system as described in claim 6, wherein the current financing completion record further includes a current unique identification code. When it is determined that the signature is correct and valid and the data format of the current financing completion record is correct, the management device further determines whether the front-end transaction database stores at least one uploaded financing completion record including a unique identification code that matches the current unique identification code. When it is determined that the front-end transaction database does not store the at least one uploaded financing completion record, the current financing completion record is transmitted to the front-end transaction database via the communication network for storage, and a financing upload success reply is generated and transmitted to the target financing institution device via the communication network. In the financing inquiry service system as described in claim 1, each financing completion record further includes an institution code associated with one of the financing institutions. After the management device receives a financing deletion request from the target financing institution device, the financing deletion request includes a signature corresponding to the target financing institution device, a target institution code corresponding to the target financing institution device, and a unique identification code to be deleted. The management device determines that the signature is Whether the signature is correct and valid, when it is determined that the signature is correct and valid, it is determined whether the front-end transaction database stores a financing completion record to be deleted, and the institution code and unique identification code included in the financing completion record to be deleted are matched with the target institution code and the unique identification code to be deleted respectively. When it is determined that the front-end transaction database stores the financing completion record to be deleted, the management device deletes the financing completion record to be deleted stored in the front-end transaction database. A financing inquiry service system as described in claim 1, wherein, when it is determined that the front-end transaction database does not store the at least one duplicate financing completion record, a financing inquiry response indicating that the at least one duplicate financing completion record is not stored is generated and transmitted to the target financing institution device via the communication network. The financing inquiry service system as described in claim 1 further includes a blockchain system, which includes multiple blockchain nodes, which are interconnected via the communication network. When the management device transmits the financing inquiry response, it generates and transmits inquiry archive data related to the financing inquiry request and the financing inquiry response to one of the target blockchain nodes of the blockchain nodes of the blockchain system via the communication network. After the target blockchain node stores the inquiry archive data, it transmits the inquiry archive data to other blockchain nodes for storage via the communication network.