Industrial Internet is an Internet ecology and form based on Internet technology and ecology, which reshapes and transforms the industrial chain and internal value chain of various vertical industries. This new economic form, using information technology and Internet platform, gives full play to the optimization and integration of the Internet in the allocation of production factors, and realizes the deep integration of the Internet and traditional industries. As the transaction infrastructure of the industrial Internet, the payment sub-account system is also playing an important guarantee role.

I. Online trading platform

Online trading platform is a common mode of industrial Internet application at present, which is not only reflected in simple B2B2C e-commerce, but also reflected in the right to speak on industrial information integration, industrial technology trading and industrial commodity pricing. The most primitive function of online trading platform is to display supply and demand information, and then apply for intermediate modes such as transaction matching, payment integration and offline logistics and warehousing integration.

Second, the service industry restructuring platform.

Under the background of industrial Internet, many service industries have been reconstructed through the Internet, such as Internet medical treatment, Internet education and Internet tourism. Internet integrates resources, reconstructs the traditional model and creates a brand-new experience, which is also a part of industrial Internet.

Third, the digital transformation of professional trade market.

The professional trade market has natural platform advantages and rich industrial resources. Through digital transformation, integrating the advantages of offline customer resources and online platform, we can provide supply chain professional services for practitioners in the industrial chain from transaction and payment to logistics and supply chain finance. Through the accumulation of online transaction data, it can provide a credit guarantee system for both parties to the transaction, promote the strong sticky service of both parties to the transaction, improve the repurchase rate and transaction efficiency, greatly reduce the transaction cost and promote the promotion of the entire industrial ecology.

In the above business scenario, it is necessary to solve the basic payment and collection problems, and it is necessary to open up transactions within the industrial chain and support multi-channel collection of B2C and B2B; It is necessary to avoid the risk of secondary clearing, integrate the supply chain of industrial internet to match supply and demand, and conduct compliance accounting for multiple suppliers; Or solve the capital problem, because there are differences between the upstream and downstream of the industrial chain, combined with capital capacity can improve the efficiency of capital turnover. At this time, the function of the payment sub-account system appears.

The payment sub-account system has diversified functions, such as aggregate payment and collection, which can support mainstream B2B and B2C payment channels to collect money and get through bank bookkeeping; Effectively ensure accounting compliance, efficiently complete the fund settlement between sub-merchants and suppliers according to factors such as transaction flow, transaction participants and settlement cycle, and automate the whole process, which can improve the efficiency of financial reconciliation by 60% and reduce manual intervention; It can provide easy and worry-free account display for different account subjects and scenarios, ensure clear and accurate data logic, and enable ordinary enterprises to efficiently complete internal bookkeeping, reconciliation, account sharing and other work. , and reduce financial costs; Through the matching of information flow and capital flow, the payment sub-account system of MallBook has precipitated a lot of real transaction data, and the platform can obtain more financial services according to the real transaction background and improve its financial ability.

With the rapid development of industrial Internet, enterprises hope to migrate their business to online and realize digital transformation. The first consideration is to build a benign transaction settlement system with the help of payment sub-account system, which is an important guarantee and foundation for business development.