TWM613935U - E-commerce platform server that assists suppliers in obtaining loans - Google Patents

Abstract

This creation discloses an e-commerce platform server that assists suppliers in obtaining loans. The e-commerce platform server is connected to a supplier-side device and a lending institution server through the Internet. The e-commerce platform server includes a memory module, a transmission module, and a processing module. The memory module stores a supplier's operating data. The transmission module receives a loan request from the supplier's device. The processing module obtains the supplier's operating data corresponding to the supplier-end device from the memory module according to the loan request, and executes a repayment ability evaluation model based on the supplier's operating data to obtain an evaluation report. The transmission module transmits the evaluation report to the supplier's device, and after receiving a confirmed loan request from the supplier's device, it transmits the supplier's operating data to the lending institution's server.

Description

E-commerce platform server that assists suppliers in obtaining loans

This creation is about a web server for e-commerce platform.

With the rapid development of communications and Internet-related industries, e-commerce has also been driven to flourish. In particular, online shopping e-commerce platforms are frequently used by consumers. Therefore, in addition to setting up websites to sell products on their own, suppliers (ie stores, or manufacturers) sell products more frequently through online shopping e-commerce platforms.

Generally speaking, after a supplier provides a product to the relevant department of the online shopping e-commerce platform, it must wait for the personnel of the relevant department to check and accept, pack, and put the product on the shelf. It usually takes about 4.5 months (approximately 135 days) from the supplier to prepare the goods to the consumer to complete the payment. If the monthly settlement method is adopted, it will take another month (about 30 days) for the online shopping e-commerce platform to settle the product sales cost to the supplier. For suppliers, the funding gap is as long as 165 days. In addition, during the hot season, suppliers usually increase the amount of stocks on the online shopping e-commerce platform. Therefore, it is easier to have insufficient cash flow before the inventory of goods has been sold or settled.

However, most of the suppliers are small and medium-sized enterprises, and it is difficult to obtain financing from financial institutions (such as banks). Therefore, in order to avoid expanding the funding gap, most suppliers are relatively conservative in the number of stocks, and there are fewer types of goods (only selling hot-selling products). For the operators of online shopping e-commerce platforms, a small number of stocks will cause shortages and out-of-stock situations. The small number of products makes fewer choices, which will affect consumers' willingness to spend on online shopping e-commerce platforms. , And affect the vigorous growth of supplier enterprises, there is a need for improvement.

In view of the above issues, the main purpose of this creation is to provide an e-commerce platform server that assists suppliers in obtaining loans, so as to solve the problem that conventional online shopping e-commerce platforms cannot assist suppliers in financing, resulting in a shortage of goods and fewer varieties. , And the issue that affects the willingness to consume.

In order to achieve the above-mentioned purpose, this creation provides an e-commerce platform server that assists suppliers in obtaining loans, which is connected to at least one supplier-side device and a lending institution server through the Internet. The e-commerce platform server includes a memory module, a transmission module, and a processing module. The processing module is electrically connected to the memory module and the transmission module. The memory module includes a transaction database, and the transaction database stores at least one supplier's operating data. The transmission module receives a loan request from the supplier's device. The processing module obtains the supplier's operating data corresponding to the supplier-end device from the transaction database according to the loan request, and executes a repayment ability evaluation model based on the supplier's operating data to obtain an evaluation report. The processing module transmits the evaluation report to the supplier's device through the transmission module, and after receiving a confirmed loan request from the supplier's device, it transmits the supplier's operating data to the lending institution's server. The transmission module obtains a loan review result from the server of the lending institution and transmits it to the supplier's device.

According to an embodiment of this creation, the lending institution server executes the repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result.

According to an embodiment of the present creation, the evaluation report includes a loan limit, a loan interest rate, and a repayment schedule.

According to an embodiment of this creation, the supplier operating data includes an account receivable information, an account payable information, an inventory value information, and a sales quantity information.

In order to achieve the above-mentioned purpose, this creation provides yet another e-commerce platform server that assists suppliers in obtaining loans, which is connected to at least one supplier-side device and a lending institution server through the Internet. The e-commerce platform server includes a memory module, a transmission module, and a processing module. The processing module is electrically connected to the memory module and the transmission module. The memory module includes a transaction database, and the transaction database stores at least one supplier's operating data. The transmission module receives a loan request from the supplier's device. The processing module obtains the supplier's operating data corresponding to the supplier-side device from the transaction database according to the loan request. The processing module transmits the supplier's operating data to the lending institution's server through the transmission module. The transmission module receives a loan review result from the server of the lending institution and transmits it to the supplier's device. The lending institution server executes a repayment ability evaluation model based on the supplier's operating data to obtain the loan review result.

According to an embodiment of this creation, the supplier operating data includes an account receivable information, an account payable information, an inventory value information, and a sales quantity information.

Following the above, the e-commerce platform server based on this creation includes a memory module and a processing module. The memory module includes a transaction database and stores supplier operating data. After the processing module receives the loan request from the supplier's device, it can obtain the supplier's operating data corresponding to the supplier's device from the transaction database. The processing module can first execute the repayment ability evaluation model based on the supplier's operating data to obtain the evaluation report. Therefore, suppliers who disagree with the loan amount, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who give up the loan application). In the same way, the e-commerce platform server can also exclude suppliers who are not qualified for loan approval in advance, which can speed up the overall efficiency of loan review by lending institutions.

In addition, the supplier's operating data is sent to the lending institution's server, so that the lending institution's server can use the supplier's operating data provided by the e-commerce platform server to perform the repayment ability evaluation model. Therefore, the supplier’s real-time operating information on the e-commerce platform (for example, inventory value, sales volume, accounts receivable and accounts payable, etc.) can be included in one of the analysis elements of the repayment ability evaluation model, thereby increasing the supplier’s access Probability of loan.

In order to better understand the technical content of this creation, some preferred specific embodiments are described as follows.

Figure 1 is a schematic diagram of the use environment of the e-commerce platform server in the first embodiment of the creation. Figure 2 is a flow chart of the steps of the method for assisting suppliers to obtain loans in the first embodiment of the creation. Please refer to Figure 1 and Figures. 2 shown. The e-commerce platform server 1 of this embodiment is a server operated by a power supplier platform (especially an online shopping platform), or a server host. The e-commerce platform server 1 generates a function of assisting the supplier in obtaining a loan by executing the method of assisting the supplier in obtaining a loan as shown in FIG. 2, the details of which will be described in detail later.

In addition, the e-commerce platform server 1 has a communication function, and can be connected to at least one supplier-side device 8 and a lending institution server 9 through the Internet. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (VPN). Among them, the "supplier-end device 8" in this embodiment refers to an electronic device operated by a product supplier (ie, a manufacturer or individual business owner) that cooperates with an e-commerce platform operator, and is an electronic device with a communication function. The supplier-side device 8 can be, for example, but not limited to, a personal computer, a tablet computer (PAD), a smart phone, a PDA, and other electronic devices capable of executing computer software. FIG. 1 is an example of a personal computer.

The lending institution server 9 of this embodiment includes a bank, a post office, or other network servers of financial institutions with financing services, and may also include private lending companies, and other specific content will be further described later. When the supplier has a capital turnover requirement, the supplier's personnel can use the supplier-side device 8 to apply for a loan using the e-commerce platform server 1 of this embodiment.

As shown in FIG. 1, the e-commerce platform server 1 includes a memory module 10 and a processing module 20. The memory module 10 may be a fixed or removable non-transitory computer-readable storage medium, including but not limited to random access memory (RAM) and read-only memory. , ROM), flash memory, optical disc, or other similar components, or a combination of the above components, and used to store the method of assisting the supplier to obtain loans as shown in Figure 2 and the corresponding multiple instructions. Furthermore, the memory module 10 of this embodiment includes a transaction database 11. Specifically, the memory module 10 is a non-transitory computer-readable storage medium, and its storage space can be partitioned to serve as a transaction database 11 for storing supplier transaction data and operation-related data (below Referred to as supplier operating data).

In addition, the transaction database 11 of the memory module 10 of this embodiment also stores the basic information of the supplier, such as the supplier’s login account on the e-commerce platform, the supplier’s person in charge, telephone number, address, and goods (or services) provided. ) Basic information such as type and capital amount. The supplier's monthly or quarterly supply and sales are also stored in the transaction database 11. Generally speaking, suppliers (including product suppliers or private label manufacturers) provide products or services for sale on e-commerce platforms for online shopping. After consumers place an order on the e-commerce platform, most of the products are shipped by the e-commerce platform, and a few are shipped directly by the supplier. In addition, the payments made by consumers are first received by the e-commerce platform, and the e-commerce platform usually pays to the supplier on a monthly basis. Therefore, the e-commerce platform server 1 can obtain relevant information such as the shipment volume, inventory volume, accounts receivable and accounts payable of each supplier.

In addition, the processing module 20 can be, for example, but not limited to, one or more central processing units (central processing unit, CPU), microcontroller (micro control unit, MCU), digital signal processor (digital signal processor, DSP), or Other electronic components or integrated circuits (ICs) with signal processing, logic operations and electronic device control capabilities. The processing module 20 includes a chip set formed by a plurality of units (such as a computing unit 21, a searching unit 22, and an evaluation unit 23). The processing module 20 is electrically connected to the memory module 10 for accessing data from the transaction database 11 and executing multiple commands corresponding to the method of assisting suppliers in obtaining loans, thereby generating corresponding calculation tasks and searching ( Look for) different actions such as homework and evaluation homework. According to the different functions of the processing module 20, it is divided into multiple processing units such as a calculation unit 21, a search unit 22, and an evaluation unit 23, and they are electrically connected to each other.

Preferably, the calculation unit 21 of this embodiment can calculate the data related to operations such as accounts receivable, accounts payable, inventory value and sales quantity of each supplier based on the aforementioned data (for example, supply volume and sales volume). It is sent to the memory module 10 to be stored in the transaction database 11. In addition, the aforementioned data can be integrated into supplier operating data. In other words, the transaction database 11 stores supplier operation data of each supplier, and the supplier operation data includes an accounts receivable information, an accounts payable information, an inventory value information, and a sales quantity information.

In addition, the e-commerce platform server 1 of this embodiment further includes a transmission module 30. The processing module 20 is electrically connected to the transmission module 30, and performs data transmission with the supplier device 8 and the lending institution server 9 through the transmission module 30. The method of data transmission between the e-commerce platform server 1 and the supplier-side device 8, and the lending institution server 9 is different according to the hardware architectures that cooperate with each other. Specifically, it can be through compliance with, for example, Ethernet, 3G , Wi-Fi or 4G LTE and other data transmission technologies are realized. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (VPN).

Please refer to Figure 1 and Figure 2. The following further describes the implementation of the e-commerce platform server 1 in accordance with the steps of the method for assisting suppliers to obtain loans.

Step S10: The provider device 8 transmits a loan request.

In one embodiment, the supplier must first register an account on the e-commerce platform before listing products on the e-commerce platform. At this time, the processing module 20 of the e-commerce platform server 1 can provide a specific code (supplier code) corresponding to the account. For example, the message sent by the A supplier includes the code 00001. All subsequent messages or requests sent by the account include the supplier code corresponding to the supplier. In addition, information such as the account number of the supplier device 8 and its supplier code are stored in the memory module 10, and preferably can be stored in the transaction database 11.

When the supplier has a capital turnover requirement, the personnel of the supplier or manufacturer, or the individual of the enterprise group, can operate the supplier-side device 8 to use the e-commerce platform server 1 of this embodiment to serve the lending institution The server 9 (for example, a server of a bank or a private lending company) makes a loan application. Specifically, the data management interface provided to the supplier by the processing module 20 of the e-commerce platform server 1 may include a loan application icon (icon). When the staff of the supplier clicks on the loan application drawing, the supplier-side device 8 transmits the loan request to the server 1 of the e-commerce platform.

In one embodiment, the supplier must first log in to the account registered and applied for before the supplier can operate the supplier's data management interface. Therefore, the loan request transmitted by the supplier-side device 8 (for example, supplier A) contains the supplier code (00001). In another embodiment, the supplier (Supplier A) also enters the supplier code (00001) in the data management interface by itself, and this creation is not limited.

Step S20: The e-commerce platform server 1 receives the loan request from the supplier device 8 and obtains the supplier operation data corresponding to the supplier device 8 from the transaction database 11 according to the loan request.

The transmission module 30 of the e-commerce platform server 1 receives the loan request from the supplier device 8 and transmits it to the processing module 20. Preferably, the processing module 20 includes a search unit 22 for searching for the supplier-end device 8 corresponding to the loan request and its supplier operating data. Specifically, the search unit 22 of the processing module 20 obtains the supplier-end device 8 corresponding to the supplier code according to the supplier code included in the loan request. Then, the supplier operating data of the supplier-end device 8 is obtained from the transaction database 11.

For example, the loan request sent by supplier A includes supplier code 00001. Therefore, the search unit 22 can find the corresponding supplier A in the memory module 10 according to the supplier code 00001. Then, the search unit 22 finds the operating data of supplier A in the transaction database 11.

Step S22: The e-commerce platform server 1 executes a repayment ability evaluation mode based on the supplier's operating data to obtain an evaluation report R, and sends it to the supplier-side device 8.

After the processing module 20 obtains the supplier's operating data corresponding to the supplier-side device 8 from the transaction database 11 (step S20), the evaluation unit 23 may first execute a repayment ability evaluation mode based on the supplier's operating data to obtain an evaluation report R. Specifically, the repayment ability evaluation mode may be provided in advance by the server 9 of the lending institution. In other words, the repayment ability evaluation mode (step S22) executed by the evaluation unit 23 is the same as the repayment ability evaluation mode (step S40) executed by the lending institution server 9, so that the evaluation unit 23 can analyze the supplier with the same standard The loan application result of the end device 8. That is, the evaluation unit 23 of the e-commerce platform server 1 of this embodiment and the method executed by it can predict the loan review result.

The evaluation report R obtained by the evaluation unit 23 after executing the repayment ability evaluation mode based on the supplier's operating data includes the approved loan limit, the borrowing interest rate and the repayment schedule, as shown in FIG. 3 first. Fig. 3 is a schematic diagram of the evaluation report displayed on the supplier device in step S24 shown in Fig. 2. Then, the processing module 20 transmits the evaluation report R to the supplier device 8 through the transmission module 30.

Step S24: The supplier device 8 receives the evaluation report.

The supplier device 8 is displayed on its display screen 81 after the evaluation report R of the e-commerce platform server 1a, as shown in FIG. 3. The supplier can confirm whether to apply for a loan based on the loan amount, loan interest rate, or repayment schedule in the evaluation report R. In addition, the basic information I related to the operation can also be presented in the same interface as the evaluation report R for the supplier's reference and evaluation.

Step S26: The supplier device 8 transmits a loan confirmation request.

If you click the "Apply Loan Now" pattern, the supplier device 8 can send and receive a loan confirmation request to the server 1 of the e-commerce platform.

Step S28: The e-commerce platform server 1 receives the loan confirmation request.

After the processing module 20 receives the loan confirmation request from the supplier device 8 through the transmission module 30, it transmits the supplier operation data to the lending institution server 9 (step S30).

Step S30: The e-commerce platform server 1 transmits the supplier's operating data to the lending institution server 9.

Then, the processing module 20 transmits the supplier's operating data to the lending institution server 9 through the transmission module 30. For example, the operating data of vendor A is sent to the server 9 of the lending institution.

Step S40: The lending institution server 9 executes the repayment ability evaluation mode based on the supplier's operating data to obtain a loan review result.

The lending institution server 9 executes the repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result. Among them, the supplier's operating data includes the supplier's accounts receivable information, accounts payable information, inventory value information, and sales quantity information generated by the supplier's operation on the e-commerce platform, which can increase the supplier's chance of obtaining loans.

Specifically, the common (known) repayment ability assessment model is mainly based on the analysis of the supplier’s capital turnover rate, cash ratio and reported turnover. As mentioned in the previous technical paragraph, the difficulty encountered by suppliers is that the funding gap is as long as 165 days, which causes pressure on cash flow and makes it difficult to obtain loans.

With the e-commerce platform server 1 of this embodiment and the method for assisting suppliers in obtaining loans, the lending institution server 9 can use the supplier operating data provided by the e-commerce platform server 1 to perform repayment Ability assessment model. In other words, the supplier’s real-time inventory value, sales volume, accounts receivable and accounts payable on the e-commerce platform are included in one of the analysis elements of the repayment ability assessment model, which can increase the supplier’s chance of obtaining loans.

As also mentioned above, the repayment ability evaluation mode (step S40) executed by the lending institution server 9 is the same as the repayment ability evaluation mode (step S22) executed by the evaluation unit 23. Therefore, in step S24, suppliers who disagree with the loan limit, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who abandon the loan application), which can speed up the lending institutions (including banks or private lending institutions). ) Review the overall efficiency of the loan.

Step S50: The e-commerce platform server 1 receives the loan review result from the lending institution server 9 and transmits it to the provider device 8.

The processing module 20 receives the loan review result from the lending institution server 9 through the transmission module 30 and transmits it to the provider device 8. Among them, the loan review results include "passed", "insufficient information", or "failed". The loan audit result that is "passed" can include information such as the loan amount, interest rate, and repayment schedule. "Insufficient information" review results include document errors or insufficient documents, such as but not limited to missing documents, misplanting, mismatched fields and documents, incorrect document versions (such as non-up-to-date for-profit business registration certificates), and data errors (such as company The name or the name of the person in charge does not match, etc.). If the review result is "Insufficient data", you can upload the data again for the insufficient part to make corrections or corrections.

It should be noted that since the repayment ability evaluation mode (step S40) executed by the lending institution server 9 is the same as the repayment ability evaluation mode (step S22) executed by the evaluation unit 23, the loan review result for most applications is " by".

Step S60: The supplier device 8 receives the loan review result.

The supplier device 8 receives the loan review result. If it is a "passed" loan review result, in addition to displaying the aforementioned information such as the loan amount, borrowing interest rate, or repayment schedule, it can also display a confirmation pattern of "rejected" or "agreeed". The supplier can reconfirm the loan amount, loan interest rate, or repayment schedule and other information, and then confirm whether to approve the loan. If the confirmation pattern of "Agree" is clicked, the e-commerce platform server 1 can receive the confirmation message from the supplier device 8 and send it to the lending institution server 9 for subsequent lending operations.

Figure 4 is a schematic diagram of the use environment of the e-commerce platform server in the second embodiment of the creation. Figure 5 is a flow chart of the steps of the method for assisting suppliers to obtain loans in the second embodiment of the creation. Please refer to Figures 4 and Figures. 5 shown. The difference between the e-commerce platform server 1a of this embodiment and the first embodiment is that the processing module 20a only has a calculation unit 21 and a search unit 22. Therefore, the action and connection relationship among other components of the e-commerce platform server 1a of this embodiment, and the connection relationship with the supplier-side device 8 and the lending institution server 9 are all the same as those of the first embodiment and this embodiment. The e-commerce platform server 1 is the same, so its component symbols are used.

Moreover, the difference between the method for assisting suppliers in obtaining loans in the second embodiment and the first embodiment is that it does not include steps S22 to S28. In other words, the transmission module 30 receives the loan request from the supplier device 8, and the processing module 20 obtains the supplier operation data of the supplier device 8 from the transaction database 11 (step S20), and then the transmission module 30 The supplier operating data is sent to the lending institution server 9 (step S30).

The lending institution server 9 can directly execute the repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result (step S40). Since the lending institution server 9 can directly use the supplier operating information provided by the e-commerce platform server 1a, the supplier’s real-time inventory value, sales volume, accounts receivable and accounts payable on the e-commerce platform are included in the repayment One of the analysis elements of the capability assessment model, which in turn can increase the supplier's probability of obtaining loans.

In summary, the e-commerce platform server based on this creation includes a memory module and a processing module. The memory module includes a transaction database and stores supplier operating data. After the processing module receives the loan request from the supplier's device, it can obtain the supplier's operating data corresponding to the supplier's device from the transaction database. The processing module can first execute the repayment ability evaluation model based on the supplier's operating data to obtain the evaluation report. Therefore, suppliers who disagree with the loan amount, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who give up the loan application). Similarly, the e-commerce platform server can also exclude suppliers who are not qualified for verification in advance, which can speed up the overall efficiency of lending institutions in reviewing loans.

In addition, the supplier's operating data is sent to the lending institution's server, so that the lending institution's server can use the supplier's operating data provided by the e-commerce platform server to perform the repayment ability evaluation model. Therefore, the supplier’s real-time operating information on the e-commerce platform (for example, inventory value, sales volume, accounts receivable and accounts payable, etc.) can be included in one of the analysis elements of the repayment ability evaluation model, thereby increasing the supplier’s access Probability of loan.

It should be noted that many of the above-mentioned embodiments are given as examples for the convenience of description, and the scope of rights claimed in this creation should be subject to the scope of the patent application, and not limited to the above-mentioned embodiments.

1.1a: E-commerce platform server 10: Memory module 11: Transaction database 20, 20a: processing module 21: Computing unit 22: Search unit 23: Evaluation Unit 30: Transmission module 8: Supplier device 81: display screen 9: Lending institution server I: Basic information R: Evaluation report S10～S60: steps

Figure 1 is a schematic diagram of the use environment of a loan system according to an embodiment of the creation. Figure 2 is a flow chart of the steps of the method for assisting suppliers in obtaining loans according to the first embodiment of the creation. Fig. 3 is a schematic diagram of the evaluation report displayed on the supplier device in step S24 shown in Fig. 2. FIG. 4 is a schematic diagram of the use environment of the e-commerce platform server of the second embodiment of the creation. Fig. 5 is a flow chart of the steps of the method for assisting suppliers to obtain loans in the second embodiment of the creation.

1: E-commerce platform server

10: Memory module

11: Transaction database

20: Processing module

21: Computing unit

22: Search unit

23: Evaluation Unit

30: Transmission module

8: Supplier device

9: Lending institution server

Claims (6)

An e-commerce platform server that assists suppliers in obtaining loans is connected to at least one supplier-end device and a lending institution server through the Internet. The e-commerce platform server includes: A memory module, including a transaction database, the transaction database storing at least one supplier's operating data; A transmission module that receives a loan request from the supplier's device; and A processing module is electrically connected to the memory module and the transmission module. The processing module obtains the supplier’s operating data corresponding to the supplier’s device from the transaction database according to the loan request, and uses the The supplier’s operating data executes a repayment ability evaluation model to obtain an evaluation report. The processing module transmits the evaluation report to the supplier’s device through the transmission module and receives a confirmed loan request from the supplier’s device , And then send the supplier's operating data to the lending institution's server, the transmission module obtains a loan review result from the lending institution's server, and sends it to the supplier-side device. The e-commerce platform server according to claim 1, wherein the lending institution server executes the repayment ability evaluation model based on the supplier's operating data to obtain the loan review result. The e-commerce platform server according to claim 1, wherein the evaluation report includes an approved loan limit, a borrowing interest rate, and a repayment schedule. The e-commerce platform server described in claim 1, wherein the supplier's operating data includes an accounts receivable information, an accounts payable information, an inventory value information, and a sales quantity information. An e-commerce platform server that assists suppliers in obtaining loans is connected to at least one supplier-end device and a lending institution server through the Internet. The e-commerce platform server includes: A memory module, including a transaction database, the transaction database storing at least one supplier's operating data; A transmission module that receives a loan request from the supplier's device; and A processing module is electrically connected to the memory module and the transmission module. The processing module obtains the supplier’s operating data corresponding to the supplier’s device from the transaction database according to the loan request. The processing module The group transmits the supplier’s operating data to the lending institution’s server through the transmission module. The transmission module receives a loan review result from the lending institution’s server and sends it to the supplier’s device. The server of the lending institution executes a repayment ability evaluation model based on the supplier's operating data to obtain the loan review result. For the e-commerce platform server described in claim 5, the supplier's operating data includes an account receivable information, an account payable information, an inventory value information, and a sales quantity information.

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