China Merchants Bank Zhirong Applies for Patent on "Enterprise Bank Account Management Based on Supply Chain Platform," Enhancing Financial Security

China Merchants Bank Zhirong Applies for Patent on "Enterprise Bank Account Management Based on Supply Chain Platform," Enhancing Financial SecurityOn January 22, 2025, the State Intellectual Property Office of China (SIPO) published information showing that China Merchants Bank Zhirong Supply Chain Service Co., Ltd

China Merchants Bank Zhirong Applies for Patent on "Enterprise Bank Account Management Based on Supply Chain Platform," Enhancing Financial Security

On January 22, 2025, the State Intellectual Property Office of China (SIPO) published information showing that China Merchants Bank Zhirong Supply Chain Service Co., Ltd. filed a patent application titled "Method, Device, and Medium for Enterprise Bank Account Management Based on Supply Chain Platform," with publication number CN119272328A and an application date of September 2024. This patent application aims to revolutionize enterprise bank account management, enhancing account security and management efficiency.

The patent abstract details this innovative account management technology. The core lies in constructing an enterprise bank account management system based on a supply chain platform. This system uses a series of technological steps to ensure the security and reliability of enterprise bank account transactions. First, the system uses asymmetric encryption, an advanced encryption technique, to process pre-obtained account information, effectively preventing unauthorized access and tampering. The encrypted account information is then packaged into transaction information for transmission to the enterprise bank for processing.

To further enhance security, the system leverages blockchain technology. The encrypted transaction information is broadcast to a pre-built blockchain network. Multiple network nodes in this network sign and verify each transaction, ensuring its authenticity and integrity. Only transactions passing signature verification are processed further. This multi-node verification effectively avoids single points of failure and manipulation, significantly improving transaction security.

Transactions passing signature verification are packaged into blocks and then processed by consensus nodes in the network. Consensus nodes are key components of the blockchain network, responsible for verifying and confirming blocks, ensuring the integrity and consistency of the blockchain. Only blocks verified by consensus nodes are added to the blockchain network, forming an immutable transaction record. This process ensures the transparency and traceability of all transactions, providing higher security for enterprise bank account management.

Ultimately, the system produces an updated blockchain network containing all verified and confirmed transaction information. This technological process, from asymmetric encryption to the application of blockchain technology, effectively enhances the security of enterprise bank account management, reducing the risk of account information leakage and transaction fraud.

Established in Zhuhai in 2023 with a registered capital of 700 million RMB, China Merchants Bank Zhirong Supply Chain Service Co., Ltd. is a company primarily engaged in internet and related services. According to Tianyancha data, the company has participated in 8 bidding projects, holds 27 patents, and has 2 administrative licenses. This demonstrates the company's strong capabilities in technological innovation and market competition.

This patent application provides a novel and more secure and reliable solution for enterprise bank account management. Traditional methods have security vulnerabilities, such as account information leakage and transaction tampering. This patented technology, by combining asymmetric encryption and blockchain technology, effectively addresses these issues, providing enterprises with a more secure and convenient account management experience.

This technology not only improves the security of enterprise bank accounts but also enhances management efficiency. Automating transactions reduces manual intervention, increasing efficiency and lowering operational costs. Blockchain technology also increases transaction transparency and traceability, facilitating reconciliation and auditing.

The application prospects of this patent technology are vast. With increasing enterprise demand for financial security and the maturation of blockchain technology, this technology will see wider application. It can be used by various types of enterprises, especially those conducting large-volume financial transactions, such as supply chain finance companies and e-commerce businesses.

Furthermore, this technology can be combined with other fintech technologies, such as artificial intelligence and big data analytics, to further enhance the intelligence of enterprise bank account management. For example, AI can assess transaction risk, promptly identifying and preventing potential threats. Big data analytics can analyze account information to provide more precise financial services.

This patent application by China Merchants Bank Zhirong Supply Chain Service Co., Ltd. not only reflects the company's innovation in fintech but also provides new ideas and directions for the entire financial industry. The application of this technology will drive enterprise bank account management towards greater security, efficiency, and intelligence, providing more reliable financial service guarantees. The successful development and application of this technology will effectively improve enterprise financial security, create greater value for enterprises, and contribute to the innovative development of fintech. In the future, with continuous technological refinement and expanding application scenarios, this enterprise bank account management technology based on the supply chain platform will play a greater role in a wider range of fields, providing secure and reliable account management services for more enterprises. Its innovation lies in the ingenious combination of asymmetric encryption and blockchain technology, truly achieving a comprehensive enhancement of the security of enterprise bank accounts. This is of significant importance for safeguarding enterprise funds and promoting economic development.

This patent application undoubtedly represents a significant breakthrough for China Merchants Bank Zhirong Supply Chain Service Co., Ltd. in the fintech field and contributes to the development of Chinese fintech. We believe more similar innovative technologies will emerge in the future, jointly driving Chinese fintech to a higher level. China Merchants Bank Zhirong Supply Chain Service Co., Ltd. will continue to maintain a leading position in the fintech field, providing enterprises with higher-quality and more secure financial services.