CN103942717A

CN103942717A - System and method for quantitative evaluation and online monitoring of Internet finance lending risk

Info

Publication number: CN103942717A
Application number: CN201410133191.9A
Authority: CN
Inventors: 程明光
Original assignee: In Wing Of Data Exchange Technology (beijing) Co Ltd
Current assignee: In Wing Of Data Exchange Technology (beijing) Co Ltd
Priority date: 2014-04-03
Filing date: 2014-04-03
Publication date: 2014-07-23
Anticipated expiration: 2034-04-03
Also published as: CN103942717B

Abstract

The invention discloses a system for quantitative evaluation and online monitoring of Internet finance lending risk. The system comprises a supply chain data exchange platform, a bank financing platform and at least two business interactive terminals. The invention further discloses a method for quantitative evaluation and online monitoring of the Internet finance lending risk, wherein the method is adopted by the system for quantitative evaluation and online monitoring of the Internet finance lending risk. By the adoption of the system and method for quantitative evaluation and online monitoring of the Internet finance lending risk, supply chain messages in Internet finance can be integrated and are provided for a bank in a safety mode to be used as a network credit financing certificate so that the bank can obtain the lines of credit of users corresponding to the business interactive terminals according to a preset credit line mathematical calculation model, the lines of credit of the users are used for quantitative evaluation of the lending risk, the operation condition of each corresponding user is detected in real time after lending based on all the data, and then the purpose that the lending risk is monitored online in real time is achieved.

Description

The system and method for internet finance lending quantifying risk assessment and on-line monitoring

Technical field

The present invention relates to network credit technical field, refer to especially the system and method for the finance lending quantifying risk assessment of a kind of internet and on-line monitoring.

Background technology

Since 2013, prepare for war internet financial business taking Baidu, Alibaba, Tengxun as the Internet enterprises work of a well-known writer of representative, in " two Conferences " government work report in 2014, premier just mentions " promote internet finance to develop in a healthy way; to improve the financial supervision coordination system; closely monitor cross-border capital movement, observe the not bottom line of generation systems and regional financial risks ".Internet finance impels traditional bank also to start to try this business of water with its powerful developing state, and so far, other 7 banks such as Construction Bank, the people's livelihood, middle row, Bank of Communications, industrial, Pudong Development Bank, trade and investment promotion have had electric business's platform.

In order to solve the risk assessment problem of network lending process in bank's internet financial business, current internet financial business platform has done some work, " Ali's loan " cooperated with Alibaba such as Construction Bank is exactly to utilize the transactions history record of client on Alipay to be used as the basis for estimation to this client's prestige, " POS trade company net is borrowed " that China Citic Bank cooperates with Unionpay is also to utilize the consumer record of client on interchanger as the basis for estimation to this client's prestige, and being all provides assessment support for bank makes loans based on client's transaction data at ordinary times.

But no matter be the client trading record data of Alibaba, or the client's of Unionpay POS transaction record, owing to being user's historical transaction record or historical payment record, all can only accomplish to analyze qualitatively from the loan repay ability aspect of analysis user, also can only analyze qualitatively for client's credit worthiness.

Electronic Commerce in China transaction at present comprises that the e-tailing business taking B2C as technical foundation neutralizes the collaborative transaction business of information of supply chain taking B2B as technical foundation.The collaborative transaction business of the information of supply chain that is technical foundation at B2B is mainly towards manufacturing industry, often corresponding hundreds of starting material or a spare and accessory parts goods providers of tap buying side, between them, in the mode of supply chain B2B information synergism, carry out the mutual of the data such as sequence information, shipping information, financial settlement information.Taking auto manufacturing as example, annual production is in 1,000 hundred million automobile factory, its spare and accessory parts purchase cost is probably in 81,000,000,000 left and right, calculate according to auto manufacturing of the current China gross output value 2.5 trillion, auto manufacturing of China purchases supported portfolio based on supply chain B2B E-commerce transaction form every year and exceedes 2 trillion yuan.

And in the supply chain based on B2B information synergism, numerous suppliers medium-sized and small enterprises often, the real estate that can mortgage is few, is to be difficult to obtain the help of financing easily according to the traditional loan policy of bank.But in this information of supply chain collaborative platform, there is a large amount of purchase and sale, logistics, the financial settlement information of each supplier and buying side of leading enterprise, comprise the document information such as stock, order, waybill, storage bill, accounts receivable and invoice.These information can show the recent accounts receivable of supplier, receipt on account money, sales revenue in a short time, existing stock's amount of money, and the buying side of these transaction are at present the tap sides with height prestige in the recent period, and confidence level is high.

In view of the feature of information on supply chain B2B information synergism platform, if the mode with safety is shared these information and bank, bank just can be according to certain mathematical analysis model, based on these data quantitatives calculate the loan fund ability of paying back of supplier, and then give the quantitative accrediting amount, and after making loans, detect in real time supplier's management state based on these data, and then reach the object of lending risk on line real-time monitoring.

Summary of the invention

In view of this, the object of the invention is to propose the system and method for the finance lending quantifying risk assessment of a kind of internet and on-line monitoring, can integratedy chain information and with secured fashion, this information of supply chain is offered to bank as network financing by credit voucher, make the bank can be according to make loans quantifying risk assessment of the information of supply chain obtaining, and can detect in real time by on-line monitoring the management state of loan application enterprise.

System based on the assessment of above-mentioned purpose internet provided by the invention finance lending quantifying risk with on-line monitoring, comprising: supply chain data interchange platform, bank financing platform, at least two service interaction terminals;

Described service interaction terminal, for carrying out supply chain data interaction by supply chain data interchange platform and other service interaction terminals; Also, for sending loan application request to described bank financing platform, receive the financing customer information synchronization request that described supply chain data interchange platform sends, and return and confirm financing customer information synchronic command to described supply chain data interchange platform;

Described supply chain data interchange platform, for receiving the supply chain data of service interaction terminal transmission and this supply chain data retransmission being backed up to another service interaction terminal and to the supply chain data that forward; The financing customer information synchronization request also sending for receiving described bank financing platform, send described financing customer information synchronization request to described service interaction terminal, receive the confirmation financing customer information synchronic command that described service interaction terminal returns, and call relevant backup supply chain data and return to described bank financing platform as financing customer information;

Described bank financing platform, for receiving the loan application request of described service interaction terminal, sends financing customer information synchronization request to described supply chain data interchange platform, and receives the financing customer information that described supply chain data interchange platform returns; The also financing customer information for returning according to described supply chain data interchange platform, the accrediting amount that obtains service interaction terminal respective user according to default accrediting amount computation model is for the risk assessment of making loans.

In some embodiments, described service interaction terminal, comprising:

ERP system, for leaving new personalized documents to be sent in Transmit message catalogue;

File poll acquisition module, for regularly carrying out poll to Transmit message catalogue and reading described new personalized documents; And/or, receive file directory for regularly docking and carry out poll and read described new personalized documents, and described new personalized documents is sent to described ERP system;

Format converting module, for being converted to described new personalized documents the electronic certificate of EDI message format; And/or, for the electronic certificate of EDI message format being converted to new personalized documents, and leave described new personalized documents in reception file directory;

The first file security delivery module, for described electronic certificate is carried out to anti-tamper safe protection treatment, obtains safe electronic voucher, and, described safe electronic voucher is sent to described supply chain data interchange platform; And/or, for receiving safe electronic voucher from described supply chain data interchange platform, and, described safe electronic voucher is decrypted to the electronic certificate of processing and obtaining EDI message format;

Loan application module, for sending loan application request to described bank financing platform, receive the financing customer information synchronization request that described supply chain data interchange platform sends, and return and confirm financing customer information synchronic command to described supply chain data interchange platform;

Described supply chain data interchange platform, comprising:

The second file security delivery module, for receiving safe electronic voucher from described service interaction terminal, and, described safe electronic voucher is decrypted to the electronic certificate of processing and obtaining EDI message format; And/or, for described electronic certificate is carried out to anti-tamper safe protection treatment, obtain safe electronic voucher, and, described safe electronic voucher is sent to service interaction terminal described in another;

Electronic certificate Routing Forward Module, for parse unique identity ID of service interaction terminal described in another of described electronic certificate from described electronic certificate, and described electronic certificate is sent to service interaction terminal described in another by described file security delivery module;

User management module, for storing and manage the user profile of all service interaction terminals of electronic certificate that forward through electronic certificate Routing Forward Module;

Service management module, for backing up all electronic certificates that forward through electronic certificate Routing Forward Module;

Supply chain data interaction module, the financing customer information synchronization request sending for receiving described bank financing platform, send described financing customer information synchronization request to described service interaction terminal, receive the confirmation financing customer information synchronic command that described service interaction terminal is returned, and call relevant backup supply chain data as financing customer information and return to described bank financing platform from user management module and service management module respectively.

In some embodiments, described financing customer information is the electronic certificate that comprises order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents;

Described bank financing platform is also for judging whether service interaction terminal respective user meets lending requirement; If so, returning to loan application to described service interaction terminal accepts notice and sends the request of regularly returning to financing customer information corresponding to described service interaction terminal to supply chain data interchange platform; If not, return to refusal lending instruction to described service interaction terminal; And, according to the lending risk of the financing customer information monitoring respective user of regularly returning.

In some embodiments, the electronic certificate of described EDI message format comprises heading and message body; Described message body comprises at least one document body, and each document body includes the document body original contents of the key word of document body corresponding types and EDI message format corresponding to document body; Described heading comprises unique ID of described electronic certificate, current described electronic certificate is carried out to document body quantity and type corresponding to each document body that unique identity ID of mutual service interaction terminal, current electronic certificate comprise.

In some embodiments, described format converting module, also for extracting the key word of new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to document body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of document body quantity that unique identity ID of mutual service interaction terminal, current electronic certificate comprise and type corresponding to each document body; Described heading and the document bodily form are become to electronic certificate;

And/or,

Described format converting module, also for parsing unique identity ID of the service interaction terminal that sends described electronic certificate from the heading of described electronic certificate; Document body in the described electronic certificate that judgement need to parse from heading; The key word of the document body corresponding types of resolving as required finds this document body in described electronic certificate; According to the EDI format specification corresponding with the transmit leg of described electronic certificate and take over party's EDI format specification, parse the document body original contents that take over party needs.

In some embodiments, described format converting module, also for extracting the key word of another new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to another new document body; Described new document body and former document body are merged into message body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of the type that unique identity ID of mutual new service interaction terminal, document body quantity that current electronic certificate comprises and each document body are corresponding; Described heading and the message bodily form are become to new electronic certificate.

The method that the invention also discloses a kind of assessment of internet finance lending quantifying risk with on-line monitoring of the system that is applied to internet as above finance lending quantifying risk assessment and on-line monitoring, comprising:

One of them service interaction terminal sends loan application request to described bank financing platform;

Described bank financing platform receives the loan application request of described service interaction terminal, and sends financing customer information synchronization request to described supply chain data interchange platform,

Supply chain data interchange platform receives the financing customer information synchronization request that described bank financing platform sends, and sends described financing customer information synchronization request to described service interaction terminal;

Described service interaction terminal receives the financing customer information synchronization request of described supply chain data interchange platform transmission and returns and confirm financing customer information synchronic command to described supply chain data interchange platform;

Supply chain data interchange platform receives the confirmation financing customer information synchronic command that described service interaction terminal is returned, and calls relevant backup supply chain data as financing customer information and return to described bank financing platform;

Described bank financing platform receives the financing customer information that described supply chain data interchange platform returns, the financing customer information of returning according to described supply chain data interchange platform, the accrediting amount that obtains service interaction terminal respective user according to default accrediting amount computation model is for the risk assessment of making loans.

In some embodiments, described method also comprises:

The ERP system of service interaction terminal leaves new personalized documents to be sent in Transmit message catalogue;

The file poll acquisition module of service interaction terminal regularly carries out poll to Transmit message catalogue and reads described new personalized documents;

The format converting module of service interaction terminal is converted to described new personalized documents the electronic certificate of EDI message format;

The first file security delivery module of service interaction terminal carries out anti-tamper safe protection treatment to described electronic certificate, obtains safe electronic voucher and described safe electronic voucher is sent to the second file security delivery module of supply chain data interchange platform;

The second file security delivery module of supply chain data interchange platform receives the safe electronic voucher of the first file security delivery module transmission of service interaction terminal, and described safe electronic voucher is decrypted and is processed to obtain the electronic certificate of EDI message format;

The electronic certificate Routing Forward Module of supply chain data interchange platform parses unique identity ID of service interaction terminal described in another of described electronic certificate from described electronic certificate, and unique identity ID of described another service interaction terminal is sent to the second file security delivery module;

The second file security delivery module of supply chain data interchange platform carries out anti-tamper safe protection treatment to described electronic certificate, obtains safe electronic voucher, and described safe electronic voucher is sent to service interaction terminal described in another;

The user profile of all service interaction terminals in the electronic certificate that the user management module storage of supply chain data interchange platform forwards through electronic certificate Routing Forward Module, and service management module backs up all electronic certificates that forward through electronic certificate Routing Forward Module;

The first file security delivery module of another service interaction terminal receives safe electronic voucher and described safe electronic voucher is decrypted to processing, obtains the electronic certificate of EDI message format;

The format converting module of another service interaction terminal is converted to described electronic certificate new personalized documents and leaves described new personalized documents in reception file directory;

The file poll acquisition module of another service interaction terminal regularly docks receipts file directory to carry out poll and described new personalized documents is sent to ERP system;

The ERP system of another service interaction terminal reads described new personalized documents and another new personalized documents of corresponding generation leaves Transmit message catalogue in;

And,

The loan application module of one of them service interaction terminal sends loan application request to described bank financing platform;

The supply chain data interaction module of supply chain data interchange platform receives the financing customer information synchronization request that described bank financing platform sends, and sends described financing customer information synchronization request to described service interaction terminal;

The loan application module of described service interaction terminal receives the financing customer information synchronization request of described supply chain data interchange platform transmission and returns and confirm financing customer information synchronic command to described supply chain data interchange platform;

The supply chain data interaction module of supply chain data interchange platform receives the confirmation financing customer information synchronic command that described service interaction terminal is returned, and calls financing customer information and return to described bank financing platform from user management module and service management module respectively;

Described bank financing platform receives the financing customer information that described supply chain data interchange platform returns.

Described bank financing platform also comprises after receiving the step of the financing customer information that described supply chain data interchange platform returns:

The financing customer information that described bank financing platform returns according to described supply chain data interchange platform judges whether user corresponding to service interaction terminal meets lending requirement;

If so, returning to loan application to described service interaction terminal accepts notice and sends the request of regularly returning to financing customer information corresponding to described service interaction terminal to supply chain data interchange platform;

If not, return to refusal lending instruction to described service interaction terminal;

And described bank financing platform is according to the lending risk of the financing customer information monitoring respective user of regularly returning.

In some embodiments, the step that described new personalized documents is converted to the electronic certificate of EDI message format by the format converting module of service interaction terminal comprises:

Extract the key word of document body corresponding types in new personalized documents;

Document body original contents is converted to the document body original contents of EDI message format;

The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to document body;

Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of document body quantity that unique identity ID of mutual service interaction terminal, current electronic certificate comprise and type corresponding to each document body;

Described heading and the document bodily form are become to electronic certificate;

And/or,

The step that described electronic certificate is converted to new personalized documents by the format converting module of another service interaction terminal comprises:

From the heading of described electronic certificate, parse unique identity ID of the service interaction terminal that sends described electronic certificate;

Document body in the described electronic certificate that judgement need to parse from heading;

The key word of the document body corresponding types of resolving as required finds this document body in described electronic certificate;

According to the EDI format specification corresponding with the transmit leg of described electronic certificate and take over party's EDI format specification, parse the document body original contents that take over party needs.

As can be seen from above, the system and method for internet provided by the invention finance lending quantifying risk assessment and on-line monitoring, by supply chain data interchange platform, service interaction terminal and bank financing platform are set, the bank financing platform of lending side is connected with supply chain data interchange platform, realizes sharing of transaction data on supply chain data interchange platform; In the time carrying out enterprise corresponding to mutual service interaction terminal to bank's apply for loan with supply chain data interchange platform, no longer to need the collateralize of loan application enterprise, but under the prerequisite of authorizing in application enterprise, send bank lending risk assessment needed corresponding data to bank financing platform in safety encipher mode by supply chain data interchange platform.Bank financing platform is taken after these information, just can calculate quantitatively according to the self-defining computing formula of bank supplier's the accrediting amount, the high cost of labor such as under line when conventional loans credit, assess thereby substitute, for bank financing platform provides quantitative venture analysis foundation to the accrediting amount of loan application side corresponding to service interaction terminal, both can reduce evaluation work amount under the line of the lending bank that bank financing platform is corresponding, reduce bank's default risk, provide technical foundation for the mechanisms such as bank carry out this blue extra large business of loan of small and medium enterprise; Simultaneously also for the supplier of medium-sized and small enterprises has expanded financing channels.

After loan origination, the various personalized documents producing due to the business activities of loan application enterprise also continues on supply chain data interchange platform, to carry out alternately in the mode of safe electronic voucher by service interaction terminal, supply chain data interchange platform can be according to the data demand of bank, extract in real time the management data of this enterprise, such as, evidence for payment, storage bill, order, inventory information, thereby ensure the real-time monitoring of bank to this business capital ability of paying back, greatly reduce the default risk of bank.

Further, in the information of supply chain collaborative processes of E-business applications field, safe electronic voucher based on taking EDI format text as carrier, not only can promote information of supply chain coordination technique in present B2B E-commerce process, and can for future e-commerce venture's accounting files electronization or electronic invoice trust data source is provided, for information of supply chain is collaborative, material is traced to the source, and the application such as tracking, automatic financial reconciliation provide technical foundation.Thereby, realized the document that different service interaction terminals produces and carried out mutual object by supply chain data interchange platform.

Optionally, also can carry out data encryption/signature by the functional module of similar file security delivery module to Supply chain financing voucher, thereby guarantee the safe reliability of data.

Preferably, described safe electronic voucher just produced in the plan of needs stage, supplemented in order generation, acknowledgement of orders, goods shipping, receive/warehouse-in and financial settlement, the invoice feedback element information of carrying out; Thereby, the information content of described safe electronic voucher is the document information complete or collected works such as order, waybill, storage bill and invoice, realize this several commercial document information has been carried out to associated effect, thereby described safe electronic voucher can be served as the collaborative unique voucher of information of supply chain in E-business applications; Secondly, because the information in described safe electronic voucher is directed to the computer system of supplier, buying side or logistics side, and information write operation is based on digital certificate mode, so described safe electronic credential information content has non-repudiation each participant in supply chain; Meanwhile, described safe electronic voucher is provided with anti-tamper safety precautions in generation, transmission, identifying, and then makes described safe electronic voucher have information security characteristic.

Brief description of the drawings

Fig. 1 is the structural representation of an embodiment of the system of internet provided by the invention finance lending quantifying risk assessment and on-line monitoring;

Fig. 2 be the assessment of internet provided by the invention finance lending quantifying risk with the system embodiment of on-line monitoring in the structural representation of interactive mode of multiple service interaction terminals and supply chain data interchange platform;

Fig. 3 be the assessment of internet provided by the invention finance lending quantifying risk with the system embodiment of on-line monitoring in receive or send the Organization Chart of the CFTP transportation protocol of safe electronic voucher;

Fig. 4 a-4c be the assessment of internet provided by the invention finance lending quantifying risk with the system embodiment of on-line monitoring in the topology example of electronic certificate;

Fig. 5 is the assessment of described internet finance lending quantifying risk and the internet finance lending quantifying risk assessment of the system of on-line monitoring and the schematic flow sheet of an embodiment of the method for on-line monitoring of being applied to provided by the invention;

Fig. 6 be the assessment of internet provided by the invention finance lending quantifying risk with the embodiment of the method for on-line monitoring in new personalized documents is converted to the idiographic flow schematic diagram of the step of the electronic certificate of EDI message format;

Fig. 7 be the assessment of internet provided by the invention finance lending quantifying risk with the embodiment of the method for on-line monitoring in new personalized documents is converted to the idiographic flow schematic diagram of the step of the electronic certificate of EDI message format;

Fig. 8 be the assessment of internet provided by the invention finance lending quantifying risk with the embodiment of the method for on-line monitoring in described electronic certificate is converted to the idiographic flow schematic diagram of the step of new personalized documents.

Embodiment

For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.

It should be noted that, in the embodiment of the present invention, the statement of all uses " first " and " second " is all in order to distinguish two non-identical entities of same names or non-identical parameter, visible " first " " second " only convenience in order to explain, should not be construed as the restriction to the embodiment of the present invention, subsequent embodiment is explanation no longer one by one to this.

With reference to accompanying drawing 1, be finance lending quantifying risk in internet provided by the invention assessment and the structural representation of an embodiment of the system of on-line monitoring.

The assessment of described internet finance lending quantifying risk comprises with the system of on-line monitoring: supply chain data interchange platform 200, bank financing platform 300, at least two service interaction terminals 100 and 100 ';

Described service interaction terminal 100, for carrying out supply chain data interaction by supply chain data interchange platform 200 and another service interaction terminal 100 '; Also for sending loan application request to described bank financing platform 300, receive the financing customer information synchronization request that described supply chain data interchange platform 200 sends, and return and confirm financing customer information synchronic command to described supply chain data interchange platform 200;

Described supply chain data interchange platform 200, for receiving the supply chain data that service interaction terminal 100 sends and this supply chain data retransmission being backed up to another service interaction terminal 100 ' and to the supply chain data that forward; The financing customer information synchronization request also sending for receiving described bank financing platform 300, send described financing customer information synchronization request to described service interaction terminal 100, receive the confirmation financing customer information synchronic command that described service interaction terminal 100 returns, and call relevant backup supply chain data and return to described bank financing platform 300 as financing customer information;

Described bank financing platform 300, for receiving the loan application request of described service interaction terminal 100, send financing customer information synchronization request to described supply chain data interchange platform 200, and receive the financing customer information that described supply chain data interchange platform 200 returns; The also financing customer information for returning according to described supply chain data interchange platform 200, the accrediting amount that obtains service interaction terminal 100 respective user according to default accrediting amount computation model is for the risk assessment of making loans.

Optionally, described financing customer information is the electronic certificate that comprises order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents;

Described bank financing platform 300 is also for judging whether service interaction terminal respective user meets lending requirement; If so, returning to loan application to described service interaction terminal accepts notice and sends the request of regularly returning to financing customer information corresponding to described service interaction terminal to supply chain data interchange platform; If not, return to refusal lending instruction to described service interaction terminal; And, according to the lending risk of the financing customer information monitoring respective user of regularly returning.

Further, by reference to the accompanying drawings 1, described service interaction terminal 100, comprising:

ERP system 101, for leaving new personalized documents to be sent in Transmit message catalogue 105;

File poll acquisition module 102, for regularly carrying out poll to Transmit message catalogue 105 and reading described new personalized documents; And/or, receive file directory 106 for regularly docking and carry out poll and read described new personalized documents, and described new personalized documents is sent to described ERP system 101;

Format converting module 103, for being converted to described new personalized documents the electronic certificate of EDI message format; And/or, for the electronic certificate of EDI message format being converted to new personalized documents, and described new personalized documents is left in and receives file directory 106;

The first file security delivery module 104, for described electronic certificate is carried out to anti-tamper safe protection treatment, obtains safe electronic voucher, and, described safe electronic voucher is sent to described supply chain data interchange platform 200; And/or, for receiving safe electronic voucher from described supply chain data interchange platform 200, and, described safe electronic voucher is decrypted to the electronic certificate of processing and obtaining EDI message format;

Loan application module 107, for sending loan application request by the first file security delivery module 104 to described bank financing platform 300, receive by the first file security delivery module 104 the financing customer information synchronization request that described supply chain data interchange platform 200 sends, and return and confirm financing customer information synchronic command to described supply chain data interchange platform 200 by the first file security delivery module 104;

Described supply chain data interchange platform 200, comprising:

The second file security delivery module 201, for receiving safe electronic voucher from described service interaction terminal, and, described safe electronic voucher is decrypted to the electronic certificate of processing and obtaining EDI message format; And/or, for described electronic certificate is carried out to anti-tamper safe protection treatment, obtain safe electronic voucher, and, described safe electronic voucher is sent to service interaction terminal 100 ' described in another;

Electronic certificate Routing Forward Module 202, for parse unique identity ID of service interaction terminal 100 ' described in another of described electronic certificate from described electronic certificate, and described electronic certificate is sent to service interaction terminal 100 ' described in another by described file security delivery module 201;

User management module 203, for storing and manage the user profile of all service interaction terminals 100 of the electronic certificate forwarding through electronic certificate Routing Forward Module 202 and 100 ' (all by the service interaction terminal of supply chain data interchange platform 200 interaction datas);

Service management module 204, for backing up all electronic certificates that forward 202 through electronic certificate Routing Forward Module;

Supply chain data interaction module 205, for receive the financing customer information synchronization request that described bank financing platform sends by the second file security delivery module 201, send described financing customer information synchronization request by the second file security delivery module 201 to described service interaction terminal, receive by the second file security delivery module 201 the confirmation financing customer information synchronic command that described service interaction terminal is returned, and call financing customer information and return to described bank financing platform by the second file security delivery module 201 from user management module and service management module respectively,

Described bank financing platform 300, for receiving the loan application request of described service interaction terminal, sends financing customer information synchronization request to described supply chain data interchange platform, and receives the financing customer information that described supply chain data interchange platform returns.Optionally, described bank financing platform 300 carries out data interaction with the external world and can carry out data transmit-receive by arranging with the first file security delivery module 104 or similar the 3rd file security delivery module (not shown) of the second file security delivery module 201.

The electronic certificate of described EDI message format comprises heading and message body; Described message body comprises at least one document body, and each document body includes the document body original contents of the key word of document body corresponding types and EDI message format corresponding to document body; Described heading comprises unique ID of described electronic certificate, current described electronic certificate is carried out to document body quantity and type corresponding to each document body that unique identity ID of mutual service interaction terminal, current electronic certificate comprise.In addition, heading also can comprise routing iinformation, produce the approach recorded information of current time from this electronic certificate.

Particularly, described document body original contents can refer to, the original contents of plan of needs, order, storage bill, advice of settlement, invoice information, despatch order, acknowledgement of consignment list, customs document, port clearance, payment request, evidence for payment, the various personalized documents such as list, tax payment receipt of paying taxes.The key word of described document body corresponding types is one group of corresponding key word for each document body definition.For example, with reference to the definition of EDI format standard, the key word of invoice document is INVOIC or other numerical codings; Middle with "/INVOIC " at this set of keyword " INVOIC ", be the original contents of various personalized documents.

Further, in above-described embodiment, the described format converting module 103 of service interaction terminal 100 is in the time being converted to the electronic certificate of EDI message format by described new personalized documents, also for extracting the key word of new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to document body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of document body quantity that unique identity ID of mutual service interaction terminal, current electronic certificate comprise and type corresponding to each document body; Described heading and the document bodily form are become to electronic certificate;

In the time that electronic certificate produces at first, electronic certificate content is less, except heading, is exactly the message body that only comprises 1 document body.In the time that electronic certificate is received and send new personalized documents by each participant in transmitting procedure, the approach information in amendment electronic certificate inside heading, then in electronic certificate, increase this new message body.

Therefore, further, in above-described embodiment, the described format converting module 103 ' of another service interaction terminal 100 ' is in the time being converted to the electronic certificate of EDI message format described new personalized documents, also for parse unique identity ID of the service interaction terminal that sends described electronic certificate from the heading of described electronic certificate; Document body in the described electronic certificate that judgement need to parse from heading; The key word of the document body corresponding types of resolving as required finds this document body in described electronic certificate; According to the EDI format specification corresponding with the transmit leg of described electronic certificate and take over party's EDI format specification, parse the document body original contents that take over party needs.

When receiving electronic certificate, and need to resolve it time, parse from heading which the document body that need to resolve this electronic certificate, and find the content of this document body according to corresponding key word, parse the participant ID that is filled into this document body, and according to being stored in the local format specification corresponding with this document body transmit leg and take over party's format specification, parse the document that take over party needs.

Concrete, in above-described embodiment, the described format converting module 103 ' of another service interaction terminal 100 ' is in the time returning to interaction data, also for extracting the key word of another new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to another new document body; Described new document body and former document body are merged into message body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of the type that unique identity ID of mutual new service interaction terminal (can not be the service interaction terminal 100 in embodiment, but the 3rd service terminal (not shown)), document body quantity that current electronic certificate comprises and each document body are corresponding; Described heading and the message bodily form are become to new electronic certificate.

Further; described the first file security delivery module 104 or the second file security delivery module 201 carry out anti-tamper safe protection treatment to described electronic certificate and obtain safe electronic voucher and described safe electronic voucher is sent, and have realized the file security transmission based on internet.

Described the first file security delivery module 104 or the second file security delivery module 201 carry out anti-tamper safe protection treatment and obtain safe electronic voucher described electronic certificate; specifically can comprise the function such as file encryption/decryption, signature/signature verification of electronic certificate as file mode; realize on electronic certificate file internet the non-repudiation of the confidentiality of data, transmit leg, anti-tamper in transport process, thereby ensured the safe transfer in electronic certificate transmittance process.

And the first file security delivery module 104 or the second file security delivery module 201 send described safe electronic voucher, its data transmission is different from general FTP/OFTP file transfer protocol (FTP), taking ICP/IP protocol as basis, the present invention proposes a kind of special file transmission and receive agreement CFTP(Cedex File Transmision Production) host-host protocol.

The safe transportation protocol of described CFTP is the main method of anti-tamper safeguard protection in electronic certificate transmittance process, its protocol infrastructure as shown in Figure 3, comprising:

Channel security layer, the safety of responsible data packet level, the certification of responsible node, bag encryption and decryption, bag integrity check;

Data transfer layer, the transmission from point to points of responsible file, the integrality of guarantee file, signature;

Message layer, compression, encryption and decryption, the message routing of responsible file, message receipt generation etc., receipt transmits with file mode calling data transport layer.Deciphering, decompress(ion), signature verification result notice receipt notice opposite end; Any network operation is not carried out in this locality.

Application layer, is responsible for file uniqueness inspection etc.; Any network operation is not carried out in this locality.

With reference to accompanying drawing 4a-4c, leave described electronic certificate in as example taking order, storage bill, three kinds of different documents of invoice simultaneously, provide the format specification of document body with the form of application examples.Certainly, those skilled in the art need to know, given herein go out electronic certificate example, be only to play illustrational effect, in the present invention, electronic certificate also can adopt other forms certainly, is not confined on the scope of this example.

Further, user management module 203 is foundations that electronic certificate carries out routing forwarding, mainly realizes the exchanges data such as take over party and transmit leg and participates in the subscriber information management between main body.

Service management module 204 is mainly the needs according to user, on the basis of electronic certificate exchanges data, realizes some necessary business functions, such as electronic certificate is retained or analytic function.Service management function is not limited to a certain or several functions.

It needs to be noted, above-described embodiment is only the embodiment of the system of internet provided by the invention finance lending quantifying risk assessment and on-line monitoring, only for illustrating to those skilled in the art how finance lending quantifying risk in internet provided by the invention assessment can present with the system of on-line monitoring, but those skilled in the art need to know, the generating mode of electronic certificate is varied, the assessment of internet provided by the invention finance lending quantifying risk and the system of on-line monitoring should be confined to only to adopt on the electronic certificate of EDI message format, within the implementation that other those skilled in the art can expect also should be included in protection scope of the present invention.

With reference to accompanying drawing 2, it is the structural representation of the interactive mode of multiple service interaction terminals and supply chain data interchange platform in the system embodiment of internet provided by the invention finance lending quantifying risk assessment and on-line monitoring.

The system of the finance lending quantifying risk assessment of described internet and on-line monitoring, comprise: multiple service interaction terminal 100(as above buying side, supplier, third-party logistics business's interactive terminal), supply chain data interchange platform 200 and bank financing platform 300.

In Fig. 2, electronic certificate can be miscellaneous service document in supply chain, comprising: inventory information, plan of needs, order, storage bill, advice of settlement, invoice information, despatch order, acknowledgement of consignment list, customs document, port clearance, payment request, evidence for payment, the list of paying taxes, tax payment receipt.

And described financing customer information is to integrate corresponding document out in the supply chain data that back up from supply chain data interchange platform according to the requirement of bank financing platform 300, comprise evidence for payment, storage bill, order, inventory information.

When service interaction terminal 100 corresponding to the supplier on supply chain data interchange platform 200 is during to bank financing platform 300 apply for loan, no longer to need the collateralize of loan application enterprise, but under the prerequisite of authorizing in application enterprise, send bank lending risk assessment needed corresponding supply chain data to bank financing platform 300 in safety encipher mode by supply chain data interchange platform 200.

Bank financing platform 300 receives after these information, just can according to bank financing platform 300 in advance self-defining computing formula calculate quantitatively supplier's the accrediting amount, thereby the high cost of labor such as under the line while substituting conventional loans credit, assess.

Further, described bank financing platform 300 also judges for the financing customer information of returning according to described supply chain data interchange platform 200 whether user corresponding to service interaction terminal meets lending requirement;

If so, return to described service interaction terminal 100 request that loan application is accepted notice and sent the financing customer information of regularly returning to described service interaction terminal 100 correspondences to supply chain data interchange platform 200;

If not, return to refusal lending instruction to described service interaction terminal 100.

Preferably, described financing customer information is the electronic certificate that comprises the supply chain data of order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents.

The described financing customer information as Supply chain financing voucher is document content, the document format specification requiring according to bank financing platform, supplier by supply chain data interchange platform 200 for apply for loan, arrange out and send to the document of bank financing platform 300, specifically can comprise evidence for payment, storage bill, order, inventory information.The described financing customer information as Supply chain financing voucher also can be guaranteed through other data encryption/sign software the safe reliability of data.

Bank financing platform 300 receives after these financing customer informations, just can calculate quantitatively according to the self-defining computing formula of bank supplier's the accrediting amount, accrediting amount computation model is set up voluntarily by bank, for instance, enterprise's credit total value=receipt on account money × 0.9+ accounts receivable × 0.8+ outstanding account × 0.7+ sells the pre-rent × 0.5+ stock amount of money × 0.4 in the recent period; Wherein, recent receipt on account money is by representing with the corresponding amount of money of evidence for payment of apply for loan enterprise on supply chain data interchange platform; Accounts receivable equals " the corresponding amount of money of the corresponding amount of money-evidence for payment of storage bill " of apply for loan enterprise on supply chain data interchange platform; Sell " the corresponding amount of money of the corresponding amount of money-storage bill of order " that pre-rent equals apply for loan enterprise on supply chain data interchange platform; Stock's amount of money equals the corresponding amount of money of inventory information of apply for loan enterprise on supply chain data interchange platform.

After loan origination, the various personalized documents producing due to the business activities of loan application enterprise also continues on supply chain data interchange platform 200, to carry out alternately in the mode of safe electronic voucher by service interaction terminal 100, supply chain data interchange platform 200 can be according to the data demand of bank, extract in real time the management data of this enterprise, such as, evidence for payment, storage bill, order, inventory information, thereby ensure the real-time monitoring of bank to this business capital ability of paying back, greatly reduce the default risk of bank.

As can be seen from above, the system of internet provided by the invention finance lending quantifying risk assessment and on-line monitoring, by supply chain data interchange platform, service interaction terminal and bank financing platform are set, the bank financing platform of lending side is connected with supply chain data interchange platform, realizes sharing of transaction data on supply chain data interchange platform; In the time carrying out enterprise corresponding to mutual service interaction terminal to bank's apply for loan with supply chain data interchange platform, no longer to need the collateralize of loan application enterprise, but under the prerequisite of authorizing in application enterprise, send bank lending risk assessment needed corresponding data to bank financing platform in safety encipher mode by supply chain data interchange platform.Bank financing platform is taken after these information, just can calculate quantitatively according to the self-defining computing formula of bank supplier's the accrediting amount, the high cost of labor such as under line when conventional loans credit, assess thereby substitute, for bank financing platform provides quantitative venture analysis foundation to the accrediting amount of loan application side corresponding to service interaction terminal, both can reduce evaluation work amount under the line of the lending bank that bank financing platform is corresponding, reduce bank's default risk, provide technical foundation for the mechanisms such as bank carry out this blue extra large business of loan of small and medium enterprise; Simultaneously also for the supplier of medium-sized and small enterprises has expanded financing channels.

The present invention also provides a kind of finance lending quantifying risk in internet as above assessment and the lending risk assessment of the system of on-line monitoring and method of on-line monitoring of being applied to, with reference to accompanying drawing 5, be finance lending quantifying risk in internet provided by the invention assessment and the schematic flow sheet of an embodiment of the method for on-line monitoring.

The method of the finance lending quantifying risk assessment of described internet and on-line monitoring, comprising:

Step 401: the ERP system 101 of service interaction terminal 100 leaves new personalized documents to be sent in Transmit message catalogue 105;

Step 402: the file poll acquisition module 102 of service interaction terminal 100 regularly carries out poll to Transmit message catalogue 105 and reads described new personalized documents;

Step 403: the format converting module 103 of service interaction terminal 100 is converted to described new personalized documents the electronic certificate of EDI message format;

Step 404: the first file security delivery module 104 of service interaction terminal 100 carries out anti-tamper safe protection treatment to described electronic certificate, obtains safe electronic voucher;

Step 405: the first file security delivery module 104 of service interaction terminal 100 sends to described safe electronic voucher the second file security delivery module 201 of supply chain data interchange platform 200;

Step 406: the second file security delivery module 201 of supply chain data interchange platform 200 receives the safe electronic voucher that the first file security delivery module 104 of service interaction terminal 100 sends, and described safe electronic voucher is decrypted and is processed to obtain the electronic certificate of EDI message format;

Step 407: the electronic certificate Routing Forward Module 202 of supply chain data interchange platform 200 parses unique identity ID of service interaction terminal 100 ' described in another of described electronic certificate from described electronic certificate, and unique identity ID of described another service interaction terminal 100 ' is sent to the second file security delivery module 201;

Step 408: the second file security delivery module 201 of supply chain data interchange platform 200 carries out anti-tamper safe protection treatment to described electronic certificate, obtains safe electronic voucher;

Step 409: described safe electronic voucher is sent to service interaction terminal 100 ' described in another by the second file security delivery module 201 of supply chain data interchange platform 200;

Step 410: the user management module 203 of supply chain data interchange platform 200 is stored the user profile (for example buying side, supplier, supplier's supplier, third-party logistics business, bank, department of customs and revenue department etc.) of all service interaction terminals 100 in the electronic certificate forwarding through electronic certificate Routing Forward Module 202, and service management module 204 backs up all electronic certificates that forward through electronic certificate Routing Forward Module 202;

Step 411: the first file security delivery module 104 ' of another service interaction terminal 100 ' receives safe electronic voucher and described safe electronic voucher is decrypted to processing, obtains the electronic certificate of EDI message format;

Step 412: the format converting module 103 ' of another service interaction terminal 100 ' is converted to new personalized documents by described electronic certificate and described new personalized documents is left in and receives file directory 106 ';

Step 413: the regularly docking of file poll acquisition module 102 ' of another service interaction terminal 100 ' is received file directory 106 ' and carried out poll and described new personalized documents is sent to ERP system 101 ';

Step 414: the ERP system 101 ' of another service interaction terminal 100 ' reads described new personalized documents and another new personalized documents of corresponding generation leaves Transmit message catalogue 105 ' in;

And,

Step 415: the loan application module 107 of service interaction terminal 100 sends loan application request by the first file security delivery module 104 to described bank financing platform 300;

Step 416: described bank financing platform 300 receives the loan application request of described service interaction terminal 100 and sends financing customer information synchronization request to described supply chain data interchange platform 200,

Step 417: the supply chain data interaction module 205 of supply chain data interchange platform 200 is received the financing customer information synchronization request that described bank financing platform 300 sends and sent described financing customer information synchronization request to described service interaction terminal 100 by the second file security delivery module 201;

Step 418: the loan application module 107 of described service interaction terminal 100 is received the financing customer information synchronization request that described supply chain data interchange platform 200 sends and returned and confirm financing customer information synchronic command to described supply chain data interchange platform 200 by the first file security delivery module 104;

Step 419: the supply chain data interaction module 205 of supply chain data interchange platform 200 receives by the second file security delivery module 201 the confirmation financing customer information synchronic command that described service interaction terminal 100 is returned, and calls financing customer information from user management module 203 and service management module 204 respectively;

Step 420: the supply chain data interaction module 205 of supply chain data interchange platform 200 returns to described bank financing platform 300 by the second file security delivery module 201 by financing customer information; Described bank financing platform 300 receives the financing customer information that described supply chain data interchange platform 200 returns.

Further, with reference to accompanying drawing 5, described bank financing platform 300 also can comprise after receiving the step 420 of the financing customer information that described supply chain data interchange platform 200 returns:

Step 421: the financing customer information that described bank financing platform 300 returns according to described supply chain data interchange platform 200 judges whether the user of service interaction terminal 100 correspondences meets lending requirement;

If not, forward step 422 to: return to refusal lending instruction to described service interaction terminal;

If so, forward step 423 to: described bank financing platform 300 returns to loan application to described service interaction terminal 100 and accepts notice; And, step 424: and send the request of the financing customer information of regularly returning to described service interaction terminal 100 correspondences to supply chain data interchange platform 200;

Step 425: the supply chain data interaction module 205 of supply chain data interchange platform 200 receives the request of the described financing customer information of regularly returning to service interaction terminal 100 correspondences by the second file security delivery module 201;

Step 426: financing customer information from service interaction terminal 100 correspondences to bank financing platform 300 that regularly return to.

It needs to be noted, above-described embodiment is only an embodiment of the method for internet provided by the invention finance lending quantifying risk assessment and on-line monitoring, only for illustrating to those skilled in the art how finance lending quantifying risk in internet provided by the invention assessment can present with the method for on-line monitoring, but those skilled in the art need to know, the generating mode of electronic certificate is varied, the assessment of internet provided by the invention finance lending quantifying risk and the method for on-line monitoring should be confined to only to adopt on the electronic certificate of EDI message format, within the implementation that other those skilled in the art can expect also should be included in protection scope of the present invention.

Further, with reference to accompanying drawing 6, for new personalized documents being converted in the embodiment of the method for internet provided by the invention finance lending quantifying risk assessment and on-line monitoring to the idiographic flow schematic diagram of the step of the electronic certificate of EDI message format.

The format converting module 103 of described service interaction terminal 100 is converted to described new personalized documents the step 403 of the electronic certificate of EDI message format, also can comprise:

Step 501: the key word that extracts document body corresponding types in new personalized documents;

Step 502: the document body original contents that document body original contents is converted to EDI message format;

Step 503: the document body original contents of the key word of described document body corresponding types and EDI message format is formed as to document body;

Step 504: generate the heading that comprises unique ID of described electronic certificate, current described electronic certificate is carried out to document body quantity that unique identity ID of mutual service interaction terminal, current electronic certificate comprise and type corresponding to each document body;

Step 505: described heading and the document bodily form are become to electronic certificate.

Therefore, further, with reference to accompanying drawing 7, for new personalized documents being converted in the embodiment of the method for internet provided by the invention finance lending quantifying risk assessment and on-line monitoring to the idiographic flow schematic diagram of the step of the electronic certificate of EDI message format.

The format converting module 103 ' of another service interaction terminal 100 ' is converted to described electronic certificate the step 412 of new personalized documents, also can comprise:

Step 601: the key word that extracts document body corresponding types in new personalized documents;

Step 602: the document body original contents that document body original contents is converted to EDI message format;

Step 603: the document body original contents of the key word of described document body corresponding types and EDI message format is formed as to new document body;

Step 604: described new document body and former document body are merged into message body;

Step 605:(revises also) generate the heading that comprises document body quantity that unique ID of described electronic certificate, the current take over party of described electronic certificate or unique identity ID of transmit leg, current electronic certificate comprise and type corresponding to each document body;

Step 606: described heading and the message bodily form are become to new electronic certificate.

Concrete, with reference to accompanying drawing 8, for described electronic certificate being converted in the embodiment of the method for internet provided by the invention finance lending quantifying risk assessment and on-line monitoring to the idiographic flow schematic diagram of the step of new personalized documents.

The step that described electronic certificate is converted to new personalized documents, specifically comprises:

Step 701: the unique identity ID that parses the transmit leg of described electronic certificate from the heading of described electronic certificate;

Step 702: the document body in the described electronic certificate that judgement need to parse from heading;

Step 703: the key word of the document body corresponding types of resolving as required finds this document body in described electronic certificate;

Step 704: according to the EDI format specification corresponding with the transmit leg of described electronic certificate and take over party's EDI format specification, parse the document body original contents that take over party needs.

Further, the described step that described electronic certificate is carried out anti-tamper safe protection treatment and obtains the step of safe electronic voucher and described safe electronic voucher is sent, has realized the file security transmission based on internet.

Described described electronic certificate is carried out anti-tamper safe protection treatment and obtains the step of safe electronic voucher; specifically can comprise the function such as file encryption/decryption, signature/signature verification of electronic certificate as file mode; realize on electronic certificate file internet the non-repudiation of the confidentiality of data, transmit leg, anti-tamper in transport process, thereby ensured the safe transfer in electronic certificate transmittance process.

And the step that described safe electronic voucher is sent, its data transmission is different from general FTP/OFTP file transfer protocol (FTP), taking ICP/IP protocol as basis, the present invention proposes a kind of special file transmission and receive agreement CFTP(Cedex File Transmision Production) host-host protocol.

Preferably, described financing customer information is the electronic certificate that comprises order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents.

Bank financing platform 300 receives after these financing customer informations, just can calculate quantitatively according to the self-defining computing formula of bank supplier's the accrediting amount, thereby the high cost of labor such as under line when alternative conventional loans credit, assesses.

Accrediting amount computation model is set up voluntarily by bank, and for instance, enterprise's credit total value=receipt on account money × 0.9+ accounts receivable × 0.8+ outstanding account × 0.7+ sells the pre-rent × 0.5+ stock amount of money × 0.4 in the recent period; Wherein, recent receipt on account money is by representing with the corresponding amount of money of evidence for payment of apply for loan enterprise on supply chain data interchange platform; Accounts receivable equals " the corresponding amount of money of the corresponding amount of money-evidence for payment of storage bill " of apply for loan enterprise on supply chain data interchange platform; Sell " the corresponding amount of money of the corresponding amount of money-storage bill of order " that pre-rent equals apply for loan enterprise on supply chain data interchange platform; Stock's amount of money equals the corresponding amount of money of inventory information of apply for loan enterprise on supply chain data interchange platform.

As can be seen from above, the method of internet provided by the invention finance lending quantifying risk assessment and on-line monitoring, by supply chain data interchange platform, service interaction terminal and bank financing platform are set, the bank financing platform of lending side is connected with supply chain data interchange platform, realizes sharing of transaction data on supply chain data interchange platform; In the time carrying out enterprise corresponding to mutual service interaction terminal to bank's apply for loan with supply chain data interchange platform, no longer to need the collateralize of loan application enterprise, but under the prerequisite of authorizing in application enterprise, send bank lending risk assessment needed corresponding data to bank financing platform in safety encipher mode by supply chain data interchange platform.Bank financing platform is taken after these information, just can calculate quantitatively according to the self-defining computing formula of bank supplier's the accrediting amount, the high cost of labor such as under line when conventional loans credit, assess thereby substitute, for bank financing platform provides quantitative venture analysis foundation to the accrediting amount of loan application side corresponding to service interaction terminal, both can reduce evaluation work amount under the line of the lending bank that bank financing platform is corresponding, reduce bank's default risk, provide technical foundation for the mechanisms such as bank carry out this blue extra large business of loan of small and medium enterprise; Simultaneously also for the supplier of medium-sized and small enterprises has expanded financing channels.

Those of ordinary skill in the field are to be understood that: the foregoing is only specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any amendment of making, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.

Claims

1. a system for internet finance lending quantifying risk assessment and on-line monitoring, is characterized in that, comprising: supply chain data interchange platform, bank financing platform, at least two service interaction terminals;

2. system according to claim 1, is characterized in that,

Described service interaction terminal, comprising:

Described supply chain data interchange platform, comprising:

3. system according to claim 2, is characterized in that, described financing customer information is the electronic certificate that comprises order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents;

4. according to the system described in claim 2 or 3, it is characterized in that, the electronic certificate of described EDI message format comprises heading and message body; Described message body comprises at least one document body, and each document body includes the document body original contents of the key word of document body corresponding types and EDI message format corresponding to document body; Described heading comprises unique ID of described electronic certificate, current described electronic certificate is carried out to document body quantity and type corresponding to each document body that unique identity ID of mutual service interaction terminal, current electronic certificate comprise.

5. system according to claim 4, is characterized in that, described format converting module, also for extracting the key word of new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to document body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of document body quantity that unique identity ID of mutual service interaction terminal, current electronic certificate comprise and type corresponding to each document body; Described heading and the document bodily form are become to electronic certificate;

And/or,

6. system according to claim 5, is characterized in that, described format converting module, also for extracting the key word of another new personalized documents document body corresponding types; Document body original contents is converted to the document body original contents of EDI message format; The document body original contents of the key word of described document body corresponding types and EDI message format is formed as to another new document body; Described new document body and former document body are merged into message body; Generation comprises unique ID of described electronic certificate, current described electronic certificate is carried out to the heading of the type that unique identity ID of mutual new service interaction terminal, document body quantity that current electronic certificate comprises and each document body are corresponding; Described heading and the message bodily form are become to new electronic certificate.

7. be applied to the financial lending quantifying risk assessment in internet and the internet finance lending quantifying risk assessment of the system of on-line monitoring and a method for on-line monitoring as described in claim 1-6 any one, it is characterized in that, comprising:

8. method according to claim 7, is characterized in that, also comprises:

And,

9. method according to claim 8, is characterized in that, described financing customer information is the electronic certificate that comprises order that the service interaction terminal corresponding to it is relevant, storage bill, evidence for payment, stock's document body original contents;

10. method according to claim 9, is characterized in that, the step that described new personalized documents is converted to the electronic certificate of EDI message format by the format converting module of service interaction terminal comprises:

And/or,