CA2995912C - Big-data-based loan method and system - Google Patents

Abstract

Provided are a big-data-based loan method and system, said method comprising: obtaining a dynamic information certificate of a completed transaction (202); according to said dynamic information certificate of the completed transaction, counting big-data information of the business of a merchant, said big-data information comprising asset information and credit information of the merchant (204); extracting an amount corresponding to said asset information and a credit rating corresponding to said credit information (206); determining whether said amount is larger than or equal to a preset amount and whether said credit rating is higher than or equal to a preset level (208); if so, then notifying the merchant to release a loan (210).

Description

Big-Data-Based Loan Method And System [1] [Technical Field]

[2] The present invention relates to the field of financial management technology, and more particularly to a big data based loan method and system.

[3] [Background Technology]

[4] With the rapid development of online transactions, a variety of new types of loan businesses such as microfinance and online shop loans have emerged. Usually, the lender needs to provide loan application information according to the requirements of the bank or financial institution, and the lender can obtain the loan after waiting for the approval of the bank or financial institution. In order to circumvent loan risks, banks or other financial institutions will require lenders to have good credit and certain loan repayment ability.
According to the lender's credit and loan repayment ability of the lender, how to effectively reduce the approval time of the loan to speed up the lending speed has become a technical problem concerned by the lender.

[5] [Summary of the Invention]

[6] Based on this, it is necessary to provide a method and system for lending big data based on the above technical problems, which can effectively reduce the loan approval time and speed up the lending rate.

[7] A big data based loan method, including:

[8] Obtain the dynamic information certificate of the completed transaction

[9] Obtaining big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[10] Extracting an amount of money corresponding to the asset information and a credit rating corresponding to the credit information;

[11] Judging whether the amount is greater than or equal to a preset quota and whether the credit rating is greater than or equal to a preset level; and

[12] If the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset level, the merchant is notified to issue a loan.

[13] A big data based loan system, the system including a server, the server including a processor and a non-volatile storage medium, the processor also including:

[14] The acquisition module is coupled with the non-implementable storage medium for obtaining the dynamic information certificate of the completed transaction;

[15] The statistics module is coupled to the non-volatile storage medium and is used to obtain big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[16] The extracting module is coupled with the non-implementable storage medium, and is used to extract an amount corresponding to the asset information and a credit rating corresponding to the credit information;

[17] A judging module is coupled to the non-volatile storage medium and is used to judge whether the amount of money is greater than or equal to a preset amount and whether the credit grade is greater than or equal to a preset level;

[18] The notification module is coupled to the non-volatile storage medium, and is used for notifying the merchant to issue a loan if the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset rating.

[19] A big data based loan system, the system includes a server, the server includes a processor and a non-volatile storage medium, and the non-volatile storage medium stores therein an instruction. When executed, the processor may cause the processor to perform the steps of:

[20] Obtain the dynamic information certificate of the completed transaction

[21] Obtaining big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[22] Extracting an amount of money corresponding to the asset information and a credit rating corresponding to the credit information;

[23] Determining whether the amount is greater than or equal to a preset quota and whether the credit rating is greater than or equal to a preset level;

[24] If the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset level, the merchant is notified to issue a loan.

[25] A computer non-volatile storage medium containing computer executable instructions for performing a big data based loan method, the method including the following steps:

[26] Obtain the dynamic information certificate of the completed transaction

[27] Obtaining big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[28] Extracting an amount of money corresponding to the asset information and a credit rating corresponding to the credit information;

[29] Determining whether the amount is greater than or equal to a preset quota and whether the credit rating is greater than or equal to a preset level;

[30] If the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset level, the merchant is notified to issue a loan.

[31] The method and system of lending based on big data to obtain the dynamic information certificate of the completed transaction; According to the statistics of the dynamic information certificate of the completed transaction, the big data information of the merchant is obtained. The big data information includes the merchant's asset information and credit Information; extracting an amount corresponding to the asset information and a credit rating corresponding to the credit information; determining whether the amount is greater than or equal to a preset limit and whether the credit rating is greater than or equal to a preset level; and if yes, notifying the merchant to issue a loan. Because the big data information is based on the statistics of the dynamic information certificate that the merchant has completed the transaction, the asset information and credit information in the big data information can reflect the business status and credit status of the merchant. If the amount corresponding to the asset information is greater than or equal to the preset quota and the corresponding level of the credit information is greater than or equal to the preset level to indicate that the business status and credit status of the merchant are good and the loan repayment ability is certain and then the merchant is notified to issue the loan, provides strong data support for banks or other financial institutions to issue loans to businesses. This can help banks or other financial institutions to effectively reduce the loan approval time to speed up the lending speed.

[32] [Brief Description]

[33] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.

[34] Figure 1 is an application environment diagram of a big data based loan method in one example;

[35] Figure 2 is a flowchart of a big data based loan method in one example;

[36] Figure 3 is a flowchart of a big data based loan method in still another example;

[37] Figure 4 is a schematic structural diagram of a big data based loan system in one example;

[38] Figure 5 is a schematic structural diagram of a big data based loan system in still another , example;

[39] Figure 6 is a schematic structural diagram of a big data based loan system in another example;

[40] Figure 7 is a schematic structural diagram of a big data based loan system in still another example;

[41] Figure 8 is a schematic structural diagram of a generating module in an example;

[42] Figure 9 is a schematic diagram of the internal structure of a server in one example.

[43] [Description of the Preferred Examples]

[44] The method provided by the example of the present invention can be applied to an application environment as shown in Figure I. The first terminal 102 communicates with the bank server 104 over the network 108. The first terminal 102 communicates with the second terminal 106 over the network 110. The first terminal 104 delivers the commodity information data to the bank server 104 through the network 108, and the bank server 104 generates and displays the corresponding dynamic information certificate. The first terminal 102 obtains these dynamic information certificates and distributes them over the network 110 using the installed application. The second terminal 106 acquires the dynamic information certificate issued by the first terminal 102 and completes the transaction on the specified dynamic information certificate. The first terminal 102 delivers the relevant information of the dynamic information certificate of the completed transaction to the bank server 104. The bank server 104 obtains the management big data information of the merchant corresponding to the first terminal 102 according to the statistics of the dynamic information certificate of the completed transaction and determines whether the merchant corresponding to the first terminal 102 has the loan conditions according to the big data information. If there is a loan condition, the bank server 104 notifies the merchant to issue a loan. This can help banks or other financial institutions to effectively reduce the loan approval time to speed up the lending speed.

[45] Figure 2 is a schematic flowchart of a big data-based loan method provided in an example.
It should be understood that although the steps in the flowchart of Figure 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly restrictive and may be performed in other order.
Moreover, at least a portion of the steps in Figure 2 may include a plurality of sub-steps or stages that are not necessarily executed at the same time, but may be executed at different times, and the order of execution is not necessarily in turn, but may be carried out alternately or alternately with at least a portion of the steps or stages of the other steps or other steps.
The method is applied to a bank server as an example for illustration, and specifically includes the following steps:

[46] Step 202: Obtain the dynamic information certificate of the completed transaction.

[47] Dynamic information certificate is a collection of information, including commodity information, transaction information, logistics information, order information and so on.
Each dynamic information certificate corresponds to a commodity.

[48] In one of the examples, the bank server provides the data platform corresponding to the dynamic information certificate to a plurality of merchants, and the merchant inputs the information of the dynamic information certificate of the completed transaction to the data platform. In another example, the merchant launches the data interface of the dynamic information certificate for the bank server so that the bank server can obtain the dynamic information certificate that the merchant has successfully traded.

[49] Step 204, according to the statistics of the dynamic information certificate of the completed transaction, the big data information of the merchant is obtained, and the big data information includes the merchant's asset information and credit information.

[50] After completing the transaction, the commodity will add the corresponding information to the transaction information, logistics information and order information in the information in the dynamic information certificate after completing the transaction. With the growth of sales of commodity, it gradually forming a large number of businesses operating big data.
The dynamic information certificate of completed transactions available to the bank server can be multiple businesses. Dynamic information certificate has a unique identifier that can be used to determine the business to which the dynamic information certificate belongs.
Therefore, the dynamic information certificate of a large number of completed transactions can be respectively identified according to the identifier of the dynamic information certificate, that is, the dynamic information certificate that can obtain the completed transaction of each merchant. And then be able to get statistics for each business big data information.

[51] Step 206: Extract an amount of money corresponding to the asset information and a credit rating corresponding to the credit information.

[52] The big data information that each merchant operates includes the merchant's asset information and credit information. Asset information refers to the business income and other information, which can include a number of elements, such as sales revenue, gross profit and so on. Credit information is used to evaluate the business credit information.
After the dynamic information certificate completes the transaction, the buyer can make a credit evaluation of the completed transaction. Credit information includes a number of content, such as commodity description, business attitude, business delivery speed, the buyer can score each item in the credit information and add all the scores to the merchant's total credit score. By comparing the credit score of the business with the score corresponding to the preset rating, the credit rating of the business can be determined.
Therefore, the amount of the asset information corresponding to the credit rating and credit rating corresponding to the bank or other financial institutions to provide loans to businesses provide a strong data support.

[53] Step 208, determining whether the amount of money is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level; if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level, proceeding to step 208; otherwise, end.

[54] The amount corresponding to the asset information may be the sales revenue within the first preset time, the gross profit, etc., for example, the total sales revenue pushed forward 2 years from the date of applying for a loan. Credit information corresponding level is the credit rating of the business, for example, 3 stars. According to the bank loan regulations, the loan conditions can be set in advance for the merchants who have applied for the loan.
The preset loan condition may be that the amount corresponding to the asset information is greater than or equal to the preset limit and the level corresponding to the credit information is greater than or equal to the preset level.

[55] Step 210, notify the merchant to issue a loan.

[56] The bank server notifies the merchant to issue a loan if the merchant reviews the pre-set loan terms. This effectively saves the bank or other financial institutions loan approval time.

[57] In this example, obtain the dynamic information certificate of the completed transaction;
According to the statistics of the dynamic information certificate of the completed transaction, the big data information of the merchant is obtained. The big data information includes the merchant's asset information and credit Information; extracting an amount corresponding to the asset information and a credit rating corresponding to the credit information; determining whether the amount is greater than or equal to a preset limit and whether the credit rating is greater than or equal to a preset level; and if yes, notifying the merchant to issue a loan. Because the big data information is based on the statistics of the dynamic information certificate that the merchant has completed the transaction, the asset information and credit information in the big data information can reflect the business status and credit status of the merchant. If the amount corresponding to the asset information is greater than or equal to the preset limit and the corresponding level of the = WO

credit information is greater than or equal to the preset level to indicate that the business status and credit status of the merchant are good and have a certain repayment ability, provides strong data support for banks or other financial institutions to issue loans to businesses, and then informing businesses to issue loans, which can help banks or financial institutions to effectively reduce the loan approval time to speed up the lending speed.

[58] In one example, after the step of extracting the credit level corresponding to the credit information and the amount corresponding to the asset information, the method further includes: calculating a trade satisfaction rate of the merchant by using the credit information; if the amount is greater than or equal to the preset credit and the credit If the level is greater than or equal to the preset level, then further determine whether the transaction satisfaction rate is greater than or equal to the preset ratio; if yes, notify the merchant to issue the loan.

[59] In this example, the buyer can score each credit information, and if each item has a full score, the buyer is satisfied with the transaction. Each merchant's credit information is scored as a full score transaction, and the ratio of all points with full score and all trading data is calculated to get the transaction satisfaction rate of merchants. The transaction satisfaction rate of the business can directly reflect the buyer's satisfaction with the business operation. If the satisfaction rate of the transaction is high, it indicates the buyer's recognition of the operation of the merchant, thus further reflecting the good credit status and operating conditions of the merchants.

[60] A flowchart of a method for lending a big data based on this example is shown in Figure 3:

[61] Step 302: Obtain the dynamic information certificate of the completed transaction.

[62] Step 304, according to the statistics of the dynamic information certificate of the completed transaction, the big data information of the merchant is obtained, and the big data information includes the merchant's asset information and credit information.

[63] Step 306: Extract an amount of money corresponding to the asset information and a credit rating corresponding to the credit information.

[64] Step 308, using the credit information to calculate the transaction satisfaction rate of the merchant.

[65] Step 310, determining whether the amount of money is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level; if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level, proceeding to step 312; otherwise, end.

[66] Step 312, determining whether the transaction satisfaction rate is greater than or equal to the preset ratio; if yes, proceeding to step 314; otherwise, ending.

. WO 2017/100994

[67] Step 314, notify the merchant to issue a loan.

[68] In one example, before the step of obtaining the dynamic information certificate of the completed transaction, the method further includes: generating a dynamic information certificate of the merchant; displaying the dynamic information certificate so that the first terminal obtains the dynamic information certificate and passes the first application installed on the terminal issues the dynamic information certificate, and enables the second terminal to complete the transaction on the specified dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

[69] In this example, the merchant's dynamic information certificate is generated by the bank server. After the bank server generates the dynamic information certificate of the merchant, it only displays the dynamic information certificate and does not participate in the transaction of the dynamic information certificate. Specifically, the merchant can use the first terminal to obtain the dynamic information certificate displayed on the bank server.
Applications installed on the first terminal can publish dynamic information certificate obtained from the bank server over the network. The buyer acquires the dynamic information certificate issued by the first terminal by using the second terminal, and transacts the specified dynamic information certificate. After the transaction is completed, the merchant delivers the commodity directly. The third-party logistics platform can provide the first terminal of the merchant with the logistic information data interface, so that the physical information can be added timely in the dynamic information certificate of the transaction. After the buyer finishes the payment, receives the commodity, and does not return within the second preset time, the transaction is deemed to have been completed.
After the transaction is completed, the buyer can make a credit rating on the completed transaction.

[70] Further, sellers purchase through the bank server, and the purchased commodity are the dynamic information certificate displayed on the bank server. Merchants here can be understood as producers, sellers can be understood as small businesses.
Specifically, the seller acquires the dynamic information displayed on the bank server by using the third terminal, and posts the obtained dynamic information certificate over the network by using the application installed on the third terminal. The buyer acquires the dynamic information certificate issued by the third terminal by using the second terminal, and transacts the specified dynamic information certificate. This will facilitate the seller as a small business can be flexible and easy to participate in online transactions.

[71] In one example, before the step of obtaining the dynamic information certificate of the completed transaction, the method further includes: generating and displaying the dynamic information certificate of the merchant; receiving a transaction instruction of the second terminal for specifying the dynamic information certificate; and according to the transaction the instruction completes the transaction of the second terminal to the specified dynamic information certificate.

[72] In this example, the bank server displays the dynamic information certificate after generating the dynamic information certificate of the merchant. The buyer can directly use the second terminal to deliver a transaction instruction to the bank server to specify the dynamic information certificate, and the bank server completes the transaction on the specified dynamic information certificate according to the transaction instruction. Since the bank server can generate the dynamic information certificate after generating the dynamic information certificate of the merchant, the bank server does not need to purchase the commodity. After receiving the transaction instruction, the transaction to the specified dynamic information certificate can be completed, thereby enabling the bank server to take on the role of E-commerce and thus open up a new type of shopping.

[73] In one example, after generating the dynamic information certificate of the merchant, the bank server directly returns these dynamic information certificates to the merchant instead of displaying these dynamic information certificates. The merchant uses the application installed on the first terminal to publish the dynamic information certificate over the network. The seller uses the application installed on the third terminal to obtain the dynamic information certificate issued by the first terminal, and may redistribute and forward the dynamic information certificate. The buyer can use the second terminal to trade the dynamic information certificate issued by the first terminal, and can also trade the dynamic information certificate issued by the third terminal. After the transaction is completed, the merchant inputs the relevant information of the dynamic information certificate of the completed transaction into the bank server to provide the data platform corresponding to the dynamic information certificate for the plurality of merchants, so that the bank server can obtain the relevant information of the dynamic information certificate of the completed transaction.

[74] In one of the examples, the step of generating the dynamic information certificate for the merchant comprises: obtaining commodity information data; and generating a corresponding dynamic information certificate according to the commodity information data. The server provides the dynamic information certificate setting page, and the merchant uses the first terminal to input the merchandise information data on the dynamic information certificate setting page, where the information data includes merchant information, commodity information, transaction rules, payment information, and physical information. The server generates the corresponding dynamic information certificate according to the commodity information data input by the first terminal. Each dynamic information certificate has a unique identification, which can be the number of the dynamic information certificate, etc. Each dynamic information certificate corresponds to only one or a group of commodity, and can determine the business to which dynamic information certificate belongs according to the identifier. In another example, the merchant may deliver a request for generating the dynamic information certificate to the bank server by using an application (Application, App for short) installed on the first terminal, and then use the application to submit the information data to the bank server. The bank server generates the corresponding dynamic information certificate according to the information data submitted by the application program. After generating the dynamic information certificate, the bank server delivers a notification to the second terminal that the dynamic information certificate has been successfully generated.

[75] In one example, as shown in Figure 4, a big data based loan system is provided. The system includes a server, the server includes a processor and a non-volatile storage medium, and the processor further includes: an acquisition module 402, a statistics module 404, an extraction module 406, a judgement module 408 and a notification module 410, wherein:

[76] The acquisition module 402 is coupled with the non-volatile storage medium for obtaining the dynamic information certificate of the completed transaction.

[77] The statistics module 404 is coupled to the non-volatile storage medium and used to obtain the big data information managed by the merchant according to the dynamic information certificate of the completed transaction. The big data information includes the merchant's asset information and credit information.

[78] The extracting module 406 is coupled with the non-implementable storage medium, and is used to extract an amount corresponding to the asset information and a credit rating corresponding to the credit information.

[79] The judging module 408 is coupled to the non-volatile storage medium and is used to judge whether the amount of money is greater than or equal to a preset amount and whether the credit grade is greater than or equal to a preset level.

[80] The notification module 410 coupled to the non-volatile storage medium, and is used for notifying the merchant to issue a loan if the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset rating.

[81] In one example, as shown in Figure 5, the system further includes: a calculating module 412 coupled with the non-implementable storage medium and configured to calculate the transaction satisfaction rate of the merchant by using credit information; and the judging module 408 is further configured to, if the transaction satisfaction rate is greater than or equal to the preset limit and the credit rating is greater than or equal to the preset level, then it is further determined whether the transaction satisfaction rate is greater than or equal to the preset ratio; and the notification module 410 is also used to notify the merchant to make a loan if the transaction satisfaction rate is greater than or equal to the preset proportion.

[82] In one example, as shown in Figure 6, the system further includes: a generating module 414 and a displaying module 416, wherein:

[83] The generating module 414 is coupled to the non-volatile storage medium for generating dynamic information certificate of the merchant;

[84] The presentation module 416 is coupled to the non-volatile storage medium for displaying the dynamic information certificate, so that the first terminal obtains the dynamic information certificate and issues the dynamic information certificate through the application installed on the first terminal, so that the second terminal completes the transaction on the specified dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

[85] In an example, the generating module 414 is further configured to generate the dynamic information certificate of the merchant. The displaying module 416 is f also used to display the dynamic information certificate. As shown in Figure 7, the system further includes: a receiving module 418 and a trading module 420, of which:

[86] The receiving module 418 is coupled to the non-volatile storage medium and is used to receive a transaction instruction from the second terminal for specifying dynamic information certificate.

[87] The transaction module 420 is coupled to the non-volatile storage medium for completing the transaction of the second terminal for the specified dynamic information certificate according to the transaction instruction.

[88] In an example, as shown in Figure 8, the generating module 414 includes: an obtaining unit 414a and a generating unit 414b, wherein:

[89] Obtaining unit 414a is used for obtaining commodity information data;

[90] A generating unit 414b is used to generate a corresponding dynamic information certificate according to the commodity information data.

[91] A big data based loan system, the system includes a server, the server includes a processor and a non-volatile storage medium, and the non-volatile storage medium stores therein an instruction. When executed, the processor may cause the processor to perform the steps of:

[92] Obtain the dynamic information certificate of the completed transaction

[93] Obtaining big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[94] Extracting an amount of money corresponding to the asset information and a credit rating corresponding to the credit information;

[95] Determining whether the amount is greater than or equal to a preset quota and whether the credit rating is greater than or equal to a preset level;

[96] If the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset level, the merchant is notified to issue a loan.

[97] As shown in Figure 9, which is an internal structure of a server in one example, the server includes a processor, a non-volatile storage medium, a memory, and a network interface connected through a system bus. Wherein, the non-volatile storage medium of the server stores an operating system, a database and a loan processing device for implementing a big data-based loan method suitable for a server. The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The server's memory provides an environment for the operation of big data-based loan processing devices in non-volatile storage media. The server's network interface is used to communicate with an external terminal through a network connection, such as obtaining dynamic information certificate of the completed transaction. The server can be implemented as a separate server or multiple servers, for example, the server can include a loan processing server and a storage server.

[98] In addition, there is provided a computer non-volatile storage medium.

[99] A computer non-volatile storage medium containing computer executable instructions for performing a big data based loan method, the method including the following steps:

[100] Obtain the dynamic information certificate of the completed transaction

[101] Obtaining big data information managed by the merchant according to the dynamic information certificate of the completed transaction, wherein the big data information includes the merchant's asset information and credit information;

[102] Extracting an amount of money corresponding to the asset information and a credit rating corresponding to the credit information;

[103] Determining whether the amount is greater than or equal to a preset quota and whether the credit rating is greater than or equal to a preset level;

[104] If the amount is greater than or equal to a preset quota and the credit rating is greater than or equal to a preset level, the merchant is notified to issue a loan.

[105] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, there doesn't describe all the possible combinations of the various technical features in the above examples, however, as long as the combination of these technical features, which does not exist a contradiction, should be considered the scope of this Specification.

[106] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed, however, it can not to be construed as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protection scope of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.

Claims (76)

Claims:

1. A computer system for a big-data-based loan, including a server, the system comprising:
the server comprising a processor, wherein the processor comprising:
an acquisition module coupled to a non-volatile storage medium, configured to obtain a dynamic information certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;
a statistics module coupled to the non-volatile storage medium, configured to obtain big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
an extTacting module coupled to the non-volatile storage medium, configured to extract an amount of money corresponding to the merchant's asset information and a credit rating corresponding to the credit information;
a judging module coupled to the non-volatile storage medium, configured to judge whether the amount of money is greater than or equal to a pre-set amount of money and whether the credit rating is greater than or equal to a pre-set quota;
a notification module coupled to the non-volatile storage medium, configured to notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;
a generation module to be coupled to the non-volatile storage medium, configured to generate the dynamic information certificate of the merchant; and Date Recue/Date Received 2022-07-25 a display module coupled to the non-volatile storage medium, configured to display the dynamic information certificate, and wherein the display module is further configured to enable a first terminal to obtain the dynamic information certificate and issue the dynamic information certificate through an application installed on the first terminal and to enable a second terminal to complete the transaction on a designated dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

2. The computer system of claim 1 further includes:
a calculating module coupled to the non-volatile storage medium, configued to calculate a transaction satisfaction rate of the merchant by using the credit information;
the judging module configured to determine whether the transaction satisfaction rate is greater than or equal to a pre-set ratio and the amount of money is greater than or equal to a pre-set limit and the credit rating is greater than or equal to the pre-set quota; and the notification module configured to notify the merchant to issue the loan when the transaction satisfaction rate is greater than or equal to the pre-set ratio.

3. The computer system of claim 1 further includes:
a receiving module coupled to the non-volatile storage medium, configured to receive a transaction instruction from the second terminal for designating the dynamic information certificate; and a transaction module coupled to the non-volatile storage medium, configured to complete the transaction of the second terminal for the designated dynamic information certificate according to the transaction instruction.
Date Recue/Date Received 2022-07-25

4. The computer system of claim 3, wherein the generation module includes an obtaining unit for obtaining commodity information data.

5. The computer system of claim 3, wherein the generation module includes a generating unit for generating a corresponding dynamic information certificate according to commodity information data.

6. The computer system of any one of claims 1 to 5, wherein the non-volatile storage medium includes computer executable instructions.

7. The computer system of claim 6, wherein the computer executable instructions include:
obtaining the dynamic information certificate of the completed transaction;
obtaining the big data information managed by the merchant according to the dynamic information certificate of the completed transaction;
extracting the amount of money corresponding to the merchant's asset information and the credit rating corresponding to the credit information;
judging whether the amount of money is greater than or equal to the pre-set amount of money and whether the credit rating is greater than or equal to the pre-set quota; and notifying the merchant to issue the loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to the pre-set rating.

8. The computer system of claim 1, wherein the first terminal is communicatively connected to the server.

Date Recue/Date Received 2022-07-25

9. The computer system of claim 3, wherein the second terminal is communicatively connected to the server.

10. The computer system of any one of claims 1 to 7, wherein the dynamic information certificate includes commodity information.

11. The computer system of any one of claims 1 to 7, wherein the dynamic information certificate includes transaction information.

12. The computer system of any one of claims 1 to 7, wherein the dynamic information certificate includes logistics information.

13. The computer system of any one of claims 1 to 7, wherein the dynamic information certificate includes order information.

14. The computer system of any one of claims 1 to 7, wherein the dynamic information certificate is generated by the server.

15. The computer system of any one of claims 1 to 14, wherein the server is configured in a bank system.

16. The computer system of any one of claims 1 to 14, wherein the server is configured in a financial institution.

17. A computer implemented method for a big-data-based loan, the method comprising:
obtaining a dynamic information certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;

Date Recue/Date Received 2022-07-25 obtaining big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
extracting an amount of money corresponding to the merchant's asset information and a credit rating corresponding to the credit information;
judging whether the amount of money is greater than or equal to a pre-set amount of money and whether the credit rating is greater than or equal to a pre-set quota; and notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;
generating the dynamic information certificate of the merchant for displaying the dynamic information certificate, to enable a first terminal to obtain the dynamic information certificate and issue the dynamic information certificate through an application installed on the first terminal, to enable a second terminal to complete the transaction on a designated dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

18. The computer implemented method of claim 17, further including:
calculating a transaction satisfaction rate of the merchant by using the credit information;
determining whether the transaction satisfaction rate is greater than or equal to a pre-set ratio whether the amount of money is greater than or equal to a pre-set limit and the credit rating is greater than or equal to the pre-set quota; and notifying the merchant to issue the loan when the transaction satisfaction rate is greater than or equal to the pre-set ratio.

Date Recue/Date Received 2022-07-25

19. The computer implemented method of claim 17, further including:
receiving a transaction instruction from the second terminal for designating the dynamic information certificate; and completing the transaction of the second terminal for the designated dynamic information certificate according to the transaction instruction.

20. The computer implemented method of claim 19, further including obtaining commodity information data.

21. The computer implemented method of claim 19, further including generating a corresponding dynamic information certificate according to commodity information data.

22. The computer implemented method of claim 17, wherein the first terminal is communicatively connected to a server.

23. The computer implemented method of claim 17, wherein the second terminal is communicatively connected to a server.

24. The computer implemented method of any one of claims 17 to 21, wherein the dynamic information certificate includes commodity information.

25. The computer implemented method of any one of claims 17 to 21, wherein the dynamic information certificate includes -transaction information.

26. The computer implemented method of any one of claims 17 to 21, wherein the dynamic information certificate includes logistics irdormati on.

Date Recue/Date Received 2022-07-25

27. The computer implemented method of any one of claims 17 to 21, wherein the dynamic information certificate includes order information.

28. The computer implemented method of any one of claims 17 to 21, wherein the dynamic information certificate is generated by a server.

29. The computer implemented method of any one of claims 17 to 28, wherein a server is configured in a bank system.

30. The computer implemented method of any one of claims 17 to 28, wherein a server is configured in a financial institution.

31. A computer non-volatile storage medium for a big-data-based loan, the medium comprising:
computer instructions, which when executed by a computer are configured to:
obtain a dynamic information certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;
obtain big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
extract an amount of money corresponding to the merchant's asset infoimation and a credit rating corresponding to the credit information;
judge whether the amount of money is greater than or equal to a pre-set amount of money and the credit rating is greater than or equal to a pre-set quota;
Date Recue/Date Received 2022-07-25 notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;
generate the dynamic information certificate of the merchant; and display the dynamic information certificate, to enable a first terminal to obtain the dynamic information certificate and issue the dynamic information certificate through an application installed on the first terminal, to enable a second terminal to complete the transaction on a designated dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

32. The medium of claim 31, wherein the dynamic information certificate includes commodity information.

33. The medium of claim 31, wherein the dynamic information certificate includes transaction information.

34. The medium of claim 31, wherein the dynamic information certificate includes logistics information.

35. The medium of claim 31, wherein the dynamic information certificate includes order information.

36. The medium of any one of claims 31 to 35, wherein the dynamic information certificate is generated by a server.

37. The medium of claim 36, wherein the server is configured in a bank system.

Date Recue/Date Received 2022-07-25

38. The medium of any one of claims 36 to 37, wherein the server is configured in a financial institution.

39. A computer system for a big-data-based loan, including a server, the system comprising:
the server comprising a processor, wherein the processor comprising:
an acquisition module coupled to a non-volatile storage medium, configured to obtain a dynamic information certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;
a statistics module coupled to the non-volatile storage medium, configured to obtain big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
an extracting module coupled to the non-volatile storage medium, configured to extract an amount of money corresponding to the merchant's asset information and a credit rating corresponding to the credit information;
a judging module coupled to the non-volatile storage medium, configured to judge whether the amount of money is greater than or equal to a pre-set amount of money and whether the credit rating is greater than or equal to a pre-set quota;
a notification module coupled to the non-volatile storage medium, configured to notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;

Date Recue/Date Received 2022-07-25 a generation module to be coupled to the non-volatile storage medium, configured to generate the dynamic information certificate of the merchant;
a display module coupled to the non-volatile storage medium, configured to display the dynamic information certificate;
a receiving module coupled to the non-volatile storage medium, configured to receive a transaction instruction from a second terminal for designating the dynamic information certificate; and a transaction module coupled to the non-volatile storage medium, configured to complete the transaction of the second terminal for the designated dynamic information certificate according to the transaction instruction.

40. The computer system of claim 39 further includes:
a calculating module coupled to the non-volatile storage medium, configured to calculate a transaction satisfaction rate of the merchant by using the credit information;
the judging module configured to determine whether the transaction satisfaction rate is greater than or equal to a pre-set ratio and the amount of money is greater than or equal to a pre-set limit and the credit rating is greater than or equal to the pre-set quota; and the notification module configured to notify the merchant to issue the loan when the transaction satisfaction rate is greater than or equal to the pre-set ratio.

Date Recue/Date Received 2022-07-25

41. The computer system of claim 39, wherein the display module is further configured to enable a first terminal to obtain the dynamic information certificate and issue the dynamic information certificate through an application installed on the first terminal and to enable the second terminal to complete the transaction on a designated dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

42. The computer system of claim 41, wherein the generation module includes an obtaining unit for obtaining commodity information data.

43. The computer system of claim 41, wherein the generation module includes a generating unit for generating a corresponding dynamic information certificate according to commodity information data.

44. The computer system of any one of claims 39 to 43, wherein the non-volatile storage medium includes computer executable instructions.

45. The computer system of claim 44, wherein the computer executable instructions include:
obtaining the dynamic information certificate of the completed transaction;
obtaining the big data information managed by the merchant according to the dynamic information certificate of the completed transaction;
extracting the amount of money corresponding to the merchant's asset information and the credit rating corresponding to the credit information;
judging whether the amount of money is greater than or equal to the pre-set amount of money and whether the credit rating is greater than or equal to the pre-set quota; and Date Recue/Date Received 2022-07-25 notifying the merchant to issue the loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to the pre-set rating.

46. The computer system of claim 41, wherein the first terminal is communicatively connected to the server.

47. The computer system of claim 39, wherein the second terminal is communicatively connected to the server.

48. The computer system of any one of claims 39 to 45, wherein the dynamic information certificate includes commodity information.

49. The computer system of any one of claims 39 to 45, wherein the dynamic information certificate includes transaction information.

50. The computer system of any one of claims 39 to 45, wherein the dynamic information certificate includes logistics information.

51. The computer system of any one of claims 39 to 45, wherein the dynamic information certificate includes order information.

52. The computer system of any one of claims 39 to 45, wherein the dynamic information certificate is generated by the server.

53. The computer system of any one of claims 39 to 52, wherein the server is configured in a bank system.

54. The computer system of any one of claims 39 to 52, wherein the server is configured in a financial institution.
Date Recue/Date Received 2022-07-25

55. A computer implemented method for a big-data-based loan, the method comprising:
obtaining a dynamic infomiation certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;
obtaining big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
extracting an amount of money corresponding to the merchant's asset information and a credit rating corresponding to the credit information;
judging whether the amount of money is greater than or equal to a pre-set amount of money and whether the credit rating is greater than or equal to a pre-set quota; and notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;
generating the dynamic information certificate of the merchant for displaying the dynamic information certificate;
receiving a transaction instruction from a second terminal for designating the dynamic information certificate; and completing the transaction of the second terminal for the designated dynamic information certificate according to the transaction instruction.

56. The computer implemented method of claim 55, further including:
calculating a transaction satisfaction rate of the merchant by using the credit information;

Date Recue/Date Received 2022-07-25 determining whether the transaction satisfaction rate is igeater than or equal to a pre-set ratio whether the amount of money is greater than or equal to a pre-set limit and the credit rating is greater than or equal to the pre-set quota; and notifying the merchant to issue the loan when the transaction satisfaction rate is greater than or equal to the pre-set ratio.

57. The computer implemented method of claim 55, further including:
displaying the dynamic information certificate, to enable a first terminal to obtain the dynamic information certificate and issue the dynamic information certificate through an application installed on the first terminal, to enable the second terminal to complete the transaction on a designated dynamic information certificate by obtaining the dynamic information certificate issued by the first terminal.

58. The computer implemented method of claim 57, further including obtaining commodity information data.

59. The computer implemented method of claim 57, further including generating a corresponding dynamic information certificate according to commodity information data.

60. The computer implemented method of claim 57, wherein the first terminal is communicatively connected to a server.

61. The computer implemented method of claim 57, wherein the second terminal is communicatively connected to a server.

62. The computer implemented method of any one of claims 55 to 59, wherein the dynamic information certificate includes commodity information.

Date Recue/Date Received 2022-07-25

63. The computer implemented method of any one of claims 55 to 59, wherein the dynamic information certificate includes transaction information.

64. The computer implemented method of any one of claims 55 to 59, wherein the dynamic information certificate includes logistics information.

65. The computer implemented method of any one of claims 55 to 59, wherein the dynamic information certificate includes order information.

66. The computer implemented method of any one of claims 57, wherein the dynamic information certificate is generated by a server.

67. The computer implemented method of any one of claims 66, wherein the server is configured in a bank system.

68. The computer implemented method of any one of claims 66, wherein the server is configured in a financial institution.

69. A computer non-volatile storage medium for a big-data-based loan, the medium comprising:
computer instructions, which when executed by a computer are configured to:
obtain a dynamic information certificate of a completed transaction, wherein the dynamic information certificate corresponds to one commodity;
obtain big data information managed by a merchant according to the dynamic information certificate of the completed transaction; wherein the big data information includes merchant's asset information and credit information;
extract an amount of money corresponding to the merchant's asset information and a credit rating corresponding to the credit information;

Date Recue/Date Received 2022-07-25 judge whether the amount of money is greater than or equal to a pre-set amount of money and the credit rating is greater than or equal to a pre-set quota;
notify a merchant to issue a loan when the amount of money is greater than or equal to the pre-set quota and the credit rating is greater than or equal to a pre-set rating;
receive a transaction instruction from a second terminal for designating the dynamic information certificate;
completing the transaction of the second terminal for the designated dynamic information certificate according to the transaction instruction;
generate the dynamic information certificate of the merchant; and display the dynamic information certificate.

70. The medium of claim 69, wherein the dynamic information certificate includes commodity information.

71. The medium of claim 69, wherein the dynamic information certificate includes transaction information.

72. The medium of claim 69, wherein the dynamic information certificate includes logistics information.

73. The medium of claim 69, wherein the dynamic information certificate includes order information.

Date Recue/Date Received 2022-07-25

74. The medium of any one of claims 69 to 73, wherein the dynamic information certificate is generated by a server.

75. The medium of claim 74, wherein the server is configured in a bank system.

76. The medium of any one of claims 74 to 75, wherein the server is configured in a financial institution.
Date Recue/Date Received 2022-07-25