CN107085813A - Contract fund allocation method and apparatus - Google Patents
Contract fund allocation method and apparatus Download PDFInfo
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- CN107085813A CN107085813A CN201710306635.8A CN201710306635A CN107085813A CN 107085813 A CN107085813 A CN 107085813A CN 201710306635 A CN201710306635 A CN 201710306635A CN 107085813 A CN107085813 A CN 107085813A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The contract fund allocation method and apparatus that the present invention is provided, applied to Internet technical field.Methods described includes：Receive the financing application material that is uploaded by trade terminal of trade side, wherein, the financing application material includes the procurement contract for the procurement objective dangerous material that the trade side is signed with producer, and the correspondence procurement contract the application financing amount of money.The financing application material is sent to financing terminal, the fusion fund for the correspondence application financing amount of money that the financing terminal is returned after the financing application material examination ＆ verification is qualified is received, sends to the corresponding production terminal of the producer.The amortization cost of the correspondence received the application financing amount of money is sent to the financing terminal.Reducing trade Fang Yin buyings initial capital deficiency causes the problem of dangerous material transaction rate is relatively low, and sets the financing application audit mode of financing terminal, and multi-party monitoring improves the safety and reliability of contract fund allocation.
Description
Technical field
The present invention relates to Internet technical field, in particular to contract fund allocation method and apparatus.
Background technology
Dangerous-article physical-distribution is high risk industries.At present, the freight volume and demand of dangerous-article physical-distribution are year by year in the trend increased, species
Various, according to statistics, national dangerous-article physical-distribution total value in 2016 is up to more than two trillion yuans；So the financing requirement of dangerous-article physical-distribution is
Very huge, many trading enterprises face the situation of funds shortage, and in the market again look forward to trade by the network platform without technicality
Industry order Finance Issue is solved.
Supply chain management thoughtcast and technology are also a lack of in dangerous-article physical-distribution enterprise so far, lacks new business
Innovation mode, and it is very careful to belong to the credit of high risk industries bank, finances extremely difficult.
The content of the invention
The contract fund allocation method and apparatus that the present invention is provided, it is intended to improve above mentioned problem.
A kind of contract fund allocation method that the present invention is provided, methods described includes：Receive trade side and pass through trade terminal
The financing application material of upload, wherein, the financing application material includes the procurement objective that the trade side is signed with producer
The procurement contract of dangerous material, and correspond to the application financing amount of money of the procurement contract.By it is described financing application material send to
Financing terminal, receives the financing terminal in the qualified rear correspondence returned the application financing gold of the financing application material examination ＆ verification
The fusion fund of volume, sends to the corresponding production terminal of the producer.By the correspondence received the application financing amount of money
Amortization cost is sent to the financing terminal.
A kind of contract fund allocation device that the present invention is provided, the contract fund allocation device includes：Application material is obtained
Modulus block, for receiving the financing application material that trade side is uploaded by trade terminal.Wherein, the financing application material includes
The procurement contract for the procurement objective dangerous material that the trade side is signed with producer, and the application of the correspondence procurement contract are melted
Capital amount.Application material sending module, for the financing application material to be sent to financing terminal.Fusion fund obtains mould
Block, for receiving the correspondence application financing amount of money that the financing terminal is returned after the financing application material examination ＆ verification is qualified
Fusion fund, send to the corresponding production terminal of the producer.Fund sending module, for by described in the correspondence received
The amortization cost of the application financing amount of money is sent to the financing terminal.
The contract fund allocation method that the invention described above is provided, the contract fund allocation device provided applied to the present invention.
The contract fund allocation device provides the producer of dangerous material with the trade terminal where the trade side of purchase dangerous material, production
The production terminal at place, and the financing terminal connection where the financier of contract fund is provided.Financing is lifted by trade terminal
Application, and the financing application material including the procurement contract for pledging is uploaded to the contract fund allocation device, and will
Contract fund allocation device is sent to financing terminal examination ＆ verification.After financing terminal examination ＆ verification passes through, the fusion of correspondence procurement contract is provided
Golden hair gives producer, to solve that after producer provides the target dangerous material of trade side's buying the technology of fund can not be received in time
Problem.Trade terminal is sent after corresponding amortization cost to the contract fund allocation device, is filled by the contract fund allocation
Put and send corresponding fund to financing terminal, the financing fund of financing terminal prepayment is repaid, to complete contract fund allocation
Operation.
The contract fund allocation method and apparatus that the present invention is provided, the financing application material that trade terminal is submitted is transferred to melt
Terminal examination ＆ verification is provided, the financing fund for terminal prepayment of financing is sent to the producer for providing dangerous material, and connecing after examination ＆ verification
Trade terminal is received after the amortization cost that the later stage submits, corresponding amortization cost is sent to the financing end for providing financing fund
End, reducing trade Fang Yin buyings initial capital deficiency causes the problem of dangerous material transaction rate is relatively low, and sets financing terminal
Financing application audit mode, multi-party monitoring improves the safety and reliability of contract fund allocation.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be attached to what is used required in embodiment
Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, therefore is not construed as pair
The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this
A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 be the server applied of contract fund allocation method and apparatus provided in an embodiment of the present invention and multiple terminals it
Between interaction interaction schematic diagram；
Fig. 2 is the block diagram for the server that contract fund allocation method and apparatus provided in an embodiment of the present invention are applied；
Fig. 3 is the step flow chart for the contract fund allocation method that first embodiment of the invention is provided；
Fig. 4 is the step S201 for the contract fund allocation method that first embodiment of the invention is provided sub-step flow chart；
Fig. 5 is the functional block diagram for the contract fund allocation device that second embodiment of the invention is provided.
Embodiment
Those skilled in the art are seeking the instrument or method of a kind of improvement problem always for a long time.
In consideration of it, the designer of the present invention is by long-term exploration and trial, and multiple experiment and effort, constantly
Reform and innovation, draw the contract fund allocation method and apparatus shown in this programme.
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments.Therefore, embodiments of the invention below to providing in the accompanying drawings
Detailed description be not intended to limit the scope of claimed invention, but be merely representative of the present invention selected embodiment.
Based on the embodiment in the present invention, it is all that those of ordinary skill in the art are obtained under the premise of creative work is not made
Other embodiment, belongs to the scope of protection of the invention.
As shown in figure 1, being the server 200 that contract fund allocation method and apparatus provided in an embodiment of the present invention are applied
With the trade terminal 101 where trade side, the production terminal 102 where producer, the purchase terminal 103 where purchaser with melting
The schematic diagram that financing terminal 104 where money mechanism is interacted.The server 200 passes through network and one or more trades
Easy terminal 101, production terminal 102, purchase terminal 103 are communicatively coupled with financing terminal 104, to enter row data communication or friendship
Mutually.The server 200 can be the webserver, database server etc. or the webserver, database service
The integrated form server system of device etc..The trade terminal 101, production terminal 102, purchase terminal 103 and terminal 104 etc. of financing
Each terminal device can be that PC (personal computer, PC), tablet personal computer, smart mobile phone, individual digital are helped
Manage (personal digital assistant, PDA) etc..
As shown in Fig. 2 being the block diagram of the server 200.The server 200 is filled including contract fund allocation
Put 201, memory 202, storage control 203, processor 204, Peripheral Interface 205, input-output unit 206, display unit
207。
It is the memory 202, storage control 203, processor 204, Peripheral Interface 205, input-output unit 206, aobvious
Show unit 207, each element is directly or indirectly electrically connected with each other, to realize the transmission or interaction of data.For example, these
Element can be realized by one or more communication bus or signal wire be electrically connected with each other.The contract fund allocation device
201, which include at least one, to be stored in the memory or be solidificated in the clothes in the form of software or firmware (firmware)
The software function module being engaged in the operating system (operating system, OS) of device 200.The processor 204 is used to perform
The executable module stored in memory 202, such as software function module or meter that described contract fund allocation device 201 includes
Calculation machine program.
Wherein, memory 202 may be, but not limited to, random access memory (Random Access Memory,
RAM), read-only storage (Read Only Memory, ROM), programmable read only memory (Programmable Read-
Only Memory, PROM), erasable read-only memory (Erasable Programmable Read-Only Memory,
EPROM), electricallyerasable ROM (EEROM) (Electric Erasable Programmable Read-Only Memory,
EEPROM) etc..Wherein, memory 202 is used for storage program, and the processor 204 is performed described after execute instruction is received
Program, the method performed by server 201 that the process that foregoing any embodiment of the embodiment of the present invention is disclosed is defined can be applied
Realized in processor 204, or by processor 204.
Processor 204 is probably a kind of IC chip, the disposal ability with signal.Above-mentioned processor can be
General processor, including central processing unit (Central Processing Unit, abbreviation CPU), network processing unit (Network
Processor, abbreviation NP) etc.；Can also be digital signal processor (DSP), it is application specific integrated circuit (ASIC), ready-made programmable
Gate array (FPGA) or other PLDs, discrete gate or transistor logic, discrete hardware components.Can be with
Realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.General processor 204 can be micro-
Processor or the processor can also be any conventional processors etc..
Various input-output units 206 are coupled to processor 204 and memory 202 by the Peripheral Interface 205.One
In a little embodiments, Peripheral Interface, processor and storage control can be realized in one single chip.In some other example
In, they can be realized by independent chip respectively.
Input-output unit 206 is used to be supplied to user input data to realize interacting for user and data collection station.Institute
State input-output unit may be, but not limited to, mouse and keyboard etc..
Display unit 207 provides an interactive interface between the server and user, such as user interface, or
Referred to for display image data to user.In the present embodiment, the display unit can be that liquid crystal display or touch-control are aobvious
Show device.If touch control display, it can be support single-point and the capacitance type touch control screen or resistance type touch control screen of multi-point touch operation
Deng.Single-point and multi-point touch operation is supported to refer to that touch control display can sense one or more positions on the touch control display
The touch control operation that place is produced simultaneously is put, and transfers to processor to be calculated and handled the touch control operation that this is sensed.
Referring to Fig. 3, being the contract fund allocation of the server 200 provided in an embodiment of the present invention applied to described in Fig. 2
The flow chart of method.The idiographic flow shown in Fig. 3 will be described in detail below.
Step S301, receives the financing application material that trade side is uploaded by trade terminal.
Contract fund allocation method involved by the embodiment of the present invention, relates generally to the applicant i.e. trade of contract fund
Side, the execution side of the relevant treatment operations of contract fund are the contract fund allocation device of the present embodiment, the examination ＆ verification of contract fund
Person and supplier are fund raising institution etc., and the trade side, by terminal of financing, is led to by trade terminal and the fund raising institution
The contract fund allocation device for crossing the present embodiment is interacted.
Trade side is when needing to carry out the trade practice for target dangerous material, it is necessary to required target dangerous material
Producer signs procurement contract.Trade side can not temporarily pay the buying required for purchasing the target dangerous material initial stage in buying
Fund, it is therefore desirable to melted by the contract fund allocation device to the fund raising institution's application that can be habilitated in advance
Money.The procurement contract that the trade side signs the producer of itself and the target dangerous material as application financing collateral security,
Financing application material comprising the procurement contract is uploaded to contract fund allocation device.The financing application material can be with
Include the related configured information of the application financing amount of money of the correspondence procurement contract so that the contract fund allocation device and
The amount of money of the fusion fund of application required for the fund raising institution can be appreciated that it.
In one embodiment, the application financing gold for the correspondence procurement contract that the financing application material is included
Volume is not necessarily intended to be equal to the dealing money needed for the buying recorded in the procurement contract, and trade side can work as according to it
The preceding fund ability selection application financing amount of money is equal to the dealing money needed for all or part of buying.The application financing amount of money
Sending method and the application financing amount of money numerical value and procurement contract in record dealing money relative value relation, can be with
Set, do not limit herein according to actual needs.
Step S302, the financing application material is sent to financing terminal.
The contract fund allocation device is received after the financing application material that the trade terminal is uploaded according to above-mentioned steps,
The financing application material is sent to the financing terminal, applied by the fund raising institution of the financing terminal according to the financing
Material, the application qualification to trade side is audited.
In one embodiment, the contract fund allocation device is receiving the financing application that the trade terminal is uploaded
After material, application qualification first trial can be carried out to the financing application material received.The contract processing device can pass through institute
State the conventional credit record of trade terminal and corresponding credit grade, the financing amount of money model that different credit grades can apply are set
Enclose difference.The financing qualification for the financing terminal docked with the contract fund allocation device can also be configured, and be set not
With financing terminal financing qualification can difference there is provided financing amount of money scope also differ.
The operation for the application qualification first trial that the contract processing device is carried out can include：Judging the trade terminal is
It is no that there is financing application qualification, the financing application qualification of the trade terminal and the application financing gold in the financing application material
Whether volume matches, and whether the financing application material is complete, and the financing application material is with apllied financing terminal
No matching etc..
In one embodiment, the financing application material can include the target fund raising institution that trade terminal is selected,
The contract fund allocation device described in first trial finance application material it is qualified after, can by it is described financing application material send to
Financing terminal where the target fund raising institution of trade terminal choosing, the financing application material as described in the financing terminal-pair is examined
Core.
In other embodiments, the financing application material can not also include the target financing machine that trade terminal is selected
Structure, the contract fund allocation device, can melting according to financing application material after application material of being financed described in first trial is qualified
Provide type and the financing amount of money, matching at least one optional financing terminal corresponding with the financing type and the financing amount of money.It is described
Contract fund allocation device can send the financing application material at least one described optional financing terminal, be melted by multiple
Provide terminal and carry out financing application qualification examination ＆ verification.The finger passed through in the financing application qualification examination ＆ verification for receiving part financing terminal feedback
Show after information, financing application can be carried out using the financing terminal of feedback configured information as target financing terminal, can also be by mesh
Mark financing terminal is sent to trade terminal, and by trade terminal, one target financing terminal of selection is entered from multiple targets financing terminal
Row financing application.
In other embodiments, the contract fund allocation device, can also be certainly after financing application material is received
The qualification information that correspondence trade terminal is matched for the financing application material is moved, the qualification information can include the business of trade side
License, credit record etc..The contract fund allocation device matches the qualification of correspondence trade terminal for the financing application material
After information, the financing application material after matching is sent to the financing terminal, financing application money is carried out by the financing terminal
The review operations of lattice.
Step S303, receives the correspondence Shen that the financing terminal is returned after the financing application material examination ＆ verification is qualified
Please be financed the financing fund of the amount of money, be sent to the corresponding production terminal of the producer.
According to above-mentioned steps, the contract fund allocation device sends the financing application material to the financing terminal
After being audited, application auditing result is returned to by the financing terminal.If the financing terminal examination ＆ verification financing application material
Material is qualified, then can return to the corresponding financing fund of the correspondence application financing amount of money.The contract fund allocation device receives institute
State after the financing fund that financing terminal is sent, the financing fund is sent to the production where the producer of the procurement contract
Terminal, as completes the capital supply at contract fund allocation initial stage.
In one embodiment, the contract fund allocation device sends to described and melted by the financing application material
Provide after terminal, the configured information that the financing terminal is returned after the examination ＆ verification financing application material terminates can be received.If
The financing terminal examination ＆ verification financing application material is qualified, then the financing terminal can return to the instruction that application examination ＆ verification passes through
Information is to the contract fund allocation device.The contract fund allocation device is receiving the instruction that the application examination ＆ verification passes through
After information, the fund that can send receives application to the financing terminal, so that the financing terminal can continue follow-up fund
Operation is sent, the financing terminal can send the fund of financing accordingly to the contract processing device.
If the financing terminal examination ＆ verification financing application material is unqualified, the financing terminal can return to application
Unsanctioned configured information is audited to the contract fund allocation device.The contract fund allocation device is by the application received
Audit unsanctioned configured information to send to the trade terminal, to inform that the trade terminal this time finances application not by institute
State the examination ＆ verification of financing terminal.The contract fund allocation device can directly terminate the operation of this sub-congruence fund allocation, can also
Provided in the unsanctioned configured information of examination ＆ verification sent according to the audit terminal not by reason, divided accordingly
Analysis for example provides other financing terminals, financing material consolidation or melted there is provided corresponding result to the trade terminal
Money in batches etc., is not limited herein.
In other embodiments, the contract fund allocation device can also provide the fund of the production terminal of producer
Reception mode, directly receives mode according to the fund of production terminal by the financing terminal, related financing fund is sent to institute
State production terminal.
In one embodiment, the amount of money for the financing fund that the financing terminal is provided, can be equal in procurement contract
Transaction funds the amount of money, can also be equal to it is described financing application material in application financing the amount of money.In view of in practical application,
Fund raising institution, which provides financing fund, can typically collect certain finance charge, that is, provide the service charge of financing services.The financing
Mechanism can be when providing financing fund, and the application financing amount of money for directly sending trade terminal is deducted after the finance charge,
Production terminal is supplied to as financing fund.The fund raising institution can also put forward the financing fund of the application financing amount of money in full
Supply production terminal, by the corresponding finance charge of trade side's continuation payment.Fund raising institution collects the mode of finance charge,
This is not limited.
Step S304, the amortization cost of the correspondence received the application financing amount of money is sent to financing terminal.
The contract fund allocation device carries out returning for financing fund after preliminary financing fund application and supply is completed
Receive and repay.Trade terminal sends the amortization cost of the correspondence application financing amount of money to financing terminal, to repay the financing
The financing fund that terminal is formerly provided.
In one embodiment, the contract fund allocation device can set corresponding payback period, the trade
Terminal repays its apllied fusion fund within the payback period of its financing application initiated.If the trade terminal exists
The target dangerous material are sold in the repayment period, and the purchase money for the purchaser's offer for buying the target dangerous material is provided
Gold, then the trade terminal directly can be filled the purchase fund as the amortization cost via the contract fund allocation
Put and be sent to financing terminal.The contract fund allocation device can also directly with the production end-on, by receive buy
The financing terminal is given in the receipt on account money assignment of credit of fund.The production terminal is received by the contract fund allocation device to provide
Purchase fund, using the purchase fund as amortization cost, be sent to financing terminal.
In one embodiment, the amortization cost can be only equivalent in financing fund, the contract fund allocation dress
Put directly can be sent to financing terminal by the amortization cost.The purchase fund can also include the correspondence financing fund
Amortization cost, and trade terminal sells the profit fund produced by the target dangerous material.The purchase terminal will be described
Amortization cost is sent to the financing terminal, and the profit fund is sent to the trade terminal, carries out the reasonable of fund
Distribution.In practical application, the reasonable distribution pattern of purchase fund according to user's request, can be carried out, is not limited herein.
On the basis of above-described embodiment, the specific implementation of the acquisition financing application material described in the step S301
Journey can also have other embodiment.Below in conjunction with Fig. 4, the possibility implementation process to above-mentioned steps carries out specific explanations.
Step S401, receives the procurement request for the correspondence target dangerous material that trade terminal is sent.
The contract fund allocation device and the trade terminal and production terminal are all connected with, the trade terminal with it is described
The platform that production terminal is provided by the contract fund allocation device signs corresponding procurement contract.
The contract fund allocation device receives the buying Shen for the correspondence target dangerous material that the trade terminal is sent
Please, the procurement request can include species, quantity, the price of target dangerous material to be purchased etc..
Step S402, the procurement request is sent to the production terminal.
The contract fund allocation device obtains the buying after the procurement request that the trade terminal is sent is received
Target producer included in application, the procurement request is sent to the production terminal where the target producer.Institute
Preliminary audit survey can also be carried out by the procurement request received by stating contract fund allocation device, audit the buying of the trade terminal
Whether the information such as qualification, the species of procurement objective dangerous material, and the dangerous material of selected target producer produce qualification etc.
It is qualified.In one embodiment, if there is no the target producer of the trade terminal selection, institute in the procurement request
Contract fund allocation device is stated to be selected from the multiple producers cooperated according to the relevant information in the procurement request
Meet the target producer of the procurement request.The contract fund allocation device believes the correlation of acquired target producer
Breath is sent to the trade terminal, and cooperation object is selected by the trade terminal.
Step S403, is receiving permitting for procurement request return of the production terminal based on the correspondence target dangerous material
Perhaps during the configured information of procurement request, the procurement contract of the generation correspondence target dangerous material.
The production terminal is after the procurement request for the corresponding target dangerous material that the trade terminal is sent is received, examination ＆ verification
Whether the procurement request is qualified.If audited, the procurement request is qualified, sends the configured information of permission procurement request extremely
The contract fund allocation device, the contract fund allocation device is according to the trade terminal and the order of the production terminal
Wish, the procurement contract of the generation correspondence target dangerous material.And qualification is sent to the later stage as security by the procurement contract
The financing terminal for carrying out financing application examination ＆ verification carries out financing mortgage.
If the production terminal is audited, the procurement request is unqualified, and sending does not allow the configured information of procurement request
To the contract fund allocation device, the configured information for not allowing procurement request is sent out by the contract fund allocation device
Deliver to the trade terminal.The contract fund allocation device can directly terminate the operation of this sub-congruence fund allocation, can also
Recommend other production terminals or other procurement schemes to be selected for the trade terminal, do not limit herein.
Step S404, receive the correspondence target dangerous material that trade terminal is sent sells application.
The trade terminal sells the target dangerous material purchased to obtain phase after the target dangerous material are purchased
Answer profit.The trade terminal can sign seller's contract by the contract fund allocation device and purchaser.The contract
Fund allocation device receives the application of selling for the correspondence target dangerous material that the trade terminal is sent, it is described sell application can
With including species, quantity, the price of target dangerous material to be sold etc..
Step S405, application transmission is sold to the purchase terminal by described.
The contract fund allocation device receive that the trade terminal sends sell application after, obtain described in sell
Target purchaser included in application, application transmission is sold to the purchase terminal where the target purchaser by described.Institute
State contract fund allocation device will can also be received described in sell application and carry out preliminary audit survey, audit the trade terminal
The information such as qualification, the species of sales target dangerous material are sold, and the dangerous material of selected target purchaser buy qualification etc.
It is whether qualified.In one embodiment, if described sell the target purchase for not having to select in application comprising the trade terminal
Buyer, then the contract fund allocation device can be according to the relevant information sold in application, from the multiple purchases cooperated
The target purchaser for selling application in buyer described in selection satisfaction.The contract fund allocation device produces acquired target
The relevant information of side is sent to the trade terminal, so that the trade terminal selects cooperation object.
Step S406, permitting for feedback is applied for receiving the purchase terminal selling based on the correspondence target dangerous material
When being permitted the configured information for selling application, the seller's contract of the generation correspondence target dangerous material.
The purchase terminal receive the corresponding target dangerous material that the trade terminal is sent sell application after, examination ＆ verification
Whether qualified described sell applies for.If sold described in examination ＆ verification, application is qualified, and sending allows the configured information for selling application extremely
The contract fund allocation device, the contract fund allocation device is according to the sale of the trade terminal and the purchase terminal
Hospital, the seller's contract of the generation correspondence target dangerous material.In other embodiments, the contract fund allocation device
Can by the procurement contract and seller's contract of the trade terminal, qualification matches financing application material as security, with convenient
Carry out the examination ＆ verification of later stage financing application.
The contract fund allocation method that the embodiments of the present invention are provided, lifts financing application by trade terminal, and will bag
The financing application material for including the procurement contract for pledging is uploaded to the contract fund allocation device, and by contract fund allocation
Device is sent to financing terminal examination ＆ verification.After financing terminal examination ＆ verification passes through, the fusion fund of correspondence procurement contract is sent to production
Side, to solve that after producer provides the target dangerous material of trade side's buying the technical problem of fund can not be received in time.Trade is whole
End is sent after corresponding amortization cost to the contract fund allocation device, by the contract fund allocation device by corresponding fund
Send to financing terminal, repay the financing fund of financing terminal prepayment, to complete the operation of contract fund allocation.The present invention is carried
The contract fund allocation method and apparatus of confession, financing terminal examination ＆ verification, examination ＆ verification are transferred to by the financing application material that trade terminal is submitted
The financing fund for terminal prepayment of financing is sent to the producer for providing dangerous material afterwards, and is receiving trade terminal rear
After the amortization cost that phase submits, corresponding amortization cost is sent to the financing terminal for providing financing fund, trade side is reduced
Because buying initial capital deficiency causes the problem of dangerous material transaction rate is relatively low, and the financing application examination ＆ verification mould of financing terminal is set
Formula, multi-party monitoring, improves the safety and reliability of contract fund allocation.
Fig. 5 is referred to, the functional block diagram of the contract fund allocation device 500 provided for second embodiment of the invention.Institute
Stating contract fund allocation device 500 includes：Application material acquisition module 501, application material sending module 502, fusion fund are obtained
Modulus block 503 and fund sending module 504.
The application material acquisition module 501, for receiving the financing application material that trade side is uploaded by trade terminal,
Wherein, the financing application material includes the procurement contract for the procurement objective dangerous material that the trade side is signed with producer, with
And the application financing amount of money of the correspondence procurement contract；
The application material sending module 502, for the financing application material to be sent to financing terminal；
The fusion fund acquisition module 503, is closed for receiving the financing terminal in the financing application material examination ＆ verification
The fusion fund of the correspondence application financing amount of money returned after lattice, sends to the corresponding production terminal of the producer；
The fund sending module 504, the amortization cost transmission for the amount of money that the correspondence received the application is financed
To the financing terminal.
On the basis of above-described embodiment, the financing application material also includes the trade side and selling that purchaser signs
Go out contract, the fund sending module 504 is used for：
The purchaser is received to buy by buying the purchase fund that terminal is returned after the target dangerous material, wherein, institute
State the amortization cost of the purchase fund including profit fund and the correspondence application financing amount of money；
The amortization cost is sent to the financing terminal；
The profit fund is sent to the trade terminal.
On the basis of above-described embodiment, described device also includes examination ＆ verification and indicated at processing module 505, the examination ＆ verification instruction
Reason module 505 is used for：
Receive the financing terminal and audit the instruction that the qualified rear application examination ＆ verification returned of the financing application material passes through
Information；
The fund for sending the configured information passed through based on the application examination ＆ verification receives application to the financing terminal.
On the basis of above-described embodiment, the examination ＆ verification indicates that processing module 505 is additionally operable to：
Receive the financing terminal unsanctioned in the unqualified rear application examination ＆ verification returned of the examination ＆ verification financing application material
Configured information；
The application is audited into unsanctioned configured information to send to the trade terminal, terminates the dynamically processing of this order
Operation.
On the basis of above-described embodiment, the application material acquisition module 501 is used for：
Receive the procurement request for the correspondence target dangerous material that trade terminal is sent；
The procurement request is sent to the production terminal；
Shen is purchased in allowing of receiving that procurement request of the production terminal based on the correspondence target dangerous material return
During configured information please, the procurement contract of the generation correspondence target dangerous material；
Receive the correspondence target dangerous material that the trade terminal is sent sells application；
Application transmission is sold to the purchaser by described；
Receive the purchase terminal based on the correspondence target dangerous material selling application feedback allow sell Shen
During configured information please, the seller's contract of the generation correspondence target dangerous material.
The contract fund allocation device that the embodiments of the present invention are provided, the trade where trade side with buying dangerous material
Terminal, production provide the production terminal where the producer of dangerous material, and provide the financing where the financier of contract fund
Terminal is connected.Financing application is lifted by trade terminal, and the financing application material including the procurement contract for pledging is uploaded
Financing terminal examination ＆ verification is sent to the contract fund allocation device, and by contract fund allocation device.Terminal of financing examination ＆ verification is logical
Later, the fusion fund of correspondence procurement contract is sent to producer, to solve the target danger that producer provides the buying of trade side
The technical problem of fund can not be received after dangerous product in time.Trade terminal sends corresponding amortization cost to the contract fund allocation
After device, corresponding fund is sent to financing terminal by the contract fund allocation device, financing terminal prepayment is repaid
Financing fund, to complete the operation of contract fund allocation.The contract fund allocation method and apparatus that the present invention is provided, by trade terminal
The financing application material of submission transfers to financing terminal examination ＆ verification, is sent to the financing fund for terminal prepayment of financing after examination ＆ verification and carries
For the producer of dangerous material, and trade terminal is being received after the amortization cost that the later stage submits, corresponding amortization cost is being sent out
The financing terminal that financing fund is provided is given, reducing trade Fang Yin buyings initial capital deficiency causes dangerous material transaction rate relatively low
The problem of, and the financing application audit mode of financing terminal is set, multi-party monitoring, improve contract fund allocation security and
Reliability.The specific implementation process of contract fund allocation device provided in an embodiment of the present invention refers to said apparatus embodiment,
This is no longer going to repeat them.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area
For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies
Change, equivalent substitution, improvement etc., should be included in the scope of the protection.
Claims (10)
1. a kind of contract fund allocation method, it is characterised in that methods described includes：
The financing application material that trade side is uploaded by trade terminal is received, wherein, the financing application material includes the trade
The procurement contract for the procurement objective dangerous material that Yi Fang is signed with producer, and the application financing of the correspondence procurement contract are golden
Volume；
The financing application material is sent to financing terminal；
Receive the correspondence application financing amount of money that the financing terminal is returned after the financing application material examination ＆ verification is qualified
Fusion fund, sends to the corresponding production terminal of the producer；
The amortization cost of the correspondence received the application financing amount of money is sent to the financing terminal.
2. according to the method described in claim 1, it is characterised in that the financing application material also includes the trade side and purchase
The seller's contract that buyer signs, the amortization cost of the correspondence received the application financing amount of money is sent to the financing terminal
The step of include：
The purchaser is received to buy by buying the purchase fund that terminal is returned after the target dangerous material, wherein, the purchase
Buy the amortization cost of the fund including profit fund and the correspondence application financing amount of money；
The amortization cost is sent to the financing terminal；
The profit fund is sent to the trade terminal.
3. according to the method described in claim 1, it is characterised in that send the financing application material to financing terminal, institute
Stating method also includes：
Receive the financing terminal and audit the configured information that the qualified rear application examination ＆ verification returned of the financing application material passes through；
The fund for sending the configured information passed through based on the application examination ＆ verification receives application to the financing terminal.
4. method according to claim 3, it is characterised in that send the financing application material to financing terminal, with
Make after the whether qualified step of fund raising institution's examination ＆ verification financing application material of the financing terminal, methods described is also wrapped
Include：
Receive the unsanctioned instruction of application examination ＆ verification that the financing terminal is returned after the examination ＆ verification financing application material is unqualified
Information；
The application is audited into unsanctioned configured information to send to the trade terminal, terminates this sub-congruence fund allocation behaviour
Make.
5. method according to claim 2, it is characterised in that receive the financing application that trade side is uploaded by trade terminal
The step of material, includes：
Receive the procurement request for the correspondence target dangerous material that trade terminal is sent；
The procurement request is sent to the production terminal；
Receiving the permission procurement request that procurement request of the production terminal based on the correspondence target dangerous material is returned
During configured information, the procurement contract of the generation correspondence target dangerous material；
Receive the correspondence target dangerous material that trade terminal is sent sells application；
Application transmission is sold to the purchase terminal by described；
Receive the purchase terminal based on the correspondence target dangerous material selling application feedback allow sell application
During configured information, the seller's contract of the generation correspondence target dangerous material.
6. a kind of contract fund allocation device, it is characterised in that the contract fund allocation device includes：
Application material acquisition module, for receiving the financing application material that trade side is uploaded by trade terminal, wherein, it is described to melt
Providing application material includes the procurement contract for the procurement objective dangerous material that the trade side is signed with producer, and is adopted described in correspondence
The application financing amount of money of purchase contract；
Application material sending module, for the financing application material to be sent to financing terminal；
Fusion fund acquisition module, for receiving pair that the financing terminal is returned after the financing application material examination ＆ verification is qualified
The fusion fund of the application financing amount of money is answered, is sent to the corresponding production terminal of the producer；
Fund sending module, for the amortization cost of the correspondence received the application financing amount of money to be sent to the financing eventually
End.
7. device according to claim 6, it is characterised in that the financing application material also includes the trade side and purchase
The seller's contract that buyer signs, the fund sending module is used for：
The purchaser is received to buy by buying the purchase fund that terminal is returned after the target dangerous material, wherein, the purchase
Buy the amortization cost of the fund including profit fund and the correspondence application financing amount of money；
The amortization cost is sent to the financing terminal；
The profit fund is sent to the trade terminal.
8. device according to claim 6, it is characterised in that described device also includes examination ＆ verification and indicates processing module, described
Examination ＆ verification indicates that processing module is used for：
Receive the financing terminal and audit the configured information that the qualified rear application examination ＆ verification returned of the financing application material passes through；
The fund for sending the configured information passed through based on the application examination ＆ verification receives application to the financing terminal.
9. device according to claim 8, it is characterised in that the examination ＆ verification indicates that processing module is additionally operable to：
Receive the unsanctioned instruction of application examination ＆ verification that the financing terminal is returned after the examination ＆ verification financing application material is unqualified
Information；
The application is audited into unsanctioned configured information to send to the trade terminal, terminates this order dynamically processing behaviour
Make.
10. device according to claim 7, it is characterised in that the application material acquisition module is used for：
Receive the procurement request for the correspondence target dangerous material that trade terminal is sent；
The procurement request is sent to the production terminal；
Receiving the permission procurement request that procurement request of the production terminal based on the correspondence target dangerous material is returned
During configured information, the procurement contract of the generation correspondence target dangerous material；
Receive the correspondence target dangerous material that the trade terminal is sent sells application；
Application transmission is sold to the purchaser by described；
Receive the purchase terminal based on the correspondence target dangerous material selling application feedback allow sell application
During configured information, the seller's contract of the generation correspondence target dangerous material.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710306635.8A CN107085813A (en) | 2017-05-04 | 2017-05-04 | Contract fund allocation method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710306635.8A CN107085813A (en) | 2017-05-04 | 2017-05-04 | Contract fund allocation method and apparatus |
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| CN107085813A true CN107085813A (en) | 2017-08-22 |
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| CN201710306635.8A Pending CN107085813A (en) | 2017-05-04 | 2017-05-04 | Contract fund allocation method and apparatus |
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| CN (1) | CN107085813A (en) |
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| CN108615107A (en) * | 2018-04-17 | 2018-10-02 | 广州诺为信息科技有限公司 | A kind of science and technology service management project declaration system |
| CN109740869A (en) * | 2018-12-14 | 2019-05-10 | 平安国际融资租赁有限公司 | Data checking method, device, computer equipment and storage medium |
| CN110955735A (en) * | 2018-09-26 | 2020-04-03 | 北京国双科技有限公司 | Enterprise financing trade analysis method and device |
| CN111507828A (en) * | 2020-04-21 | 2020-08-07 | 北京易点淘网络技术有限公司 | Pledge financing method and device for rental assets, storage medium and electronic equipment |
| CN111914820A (en) * | 2019-05-09 | 2020-11-10 | 百度在线网络技术（北京）有限公司 | Qualification auditing method and device |
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