CN109087207A - A kind of investment and financing method and system - Google Patents
A kind of investment and financing method and system Download PDFInfo
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- CN109087207A CN109087207A CN201810935447.6A CN201810935447A CN109087207A CN 109087207 A CN109087207 A CN 109087207A CN 201810935447 A CN201810935447 A CN 201810935447A CN 109087207 A CN109087207 A CN 109087207A
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Abstract
The present invention provides a kind of investment and financing method and systems, it is related to the technical field of finance financing, it include: the target data for obtaining financier's terminal and sending, wherein, target data includes: the transaction data of financier, the exchange hour of transaction data, the transaction certificate of financier, the financing limit of financier, the type information of the financing request of financier；If target data is verified, financing request is generated based on the object module of target data building financier, and based on target data, object module includes at least one of: Credit Model, credit and debt model and asset model；Financing request is issued to investor's terminal, the financing information as disclosed in financier is insufficient to cause financier to be difficult to the technical issues of obtaining financing so that investor's terminal based on object module described in the financing request, is solved.
Description
Technical field
The present invention relates to financial Financing Technology fields, more particularly, to a kind of investment and financing method and system.
Background technique
Traditional Financing Technology is based primarily upon P2P, small loan, factoring etc. to realize, proposes in recent years based on cloud computing, greatly
The solution of the financial technology means such as data and artificial intelligence.But these methods are not mature enough, it is difficult to put into practical application
In.
Traditional financing channels have many problems.Firstly, sme informatization degree is not high, information is opaque, can support
Wagering is few, difficult from bank's hypothecated loan；Secondly, traditional bank is difficult to the transition of trade type bank, lead to financier's financing difficulty.
In view of the above-mentioned problems, not putting forward effective solutions also.
Summary of the invention
In view of this, the purpose of the present invention is to provide a kind of investment and financing method and systems, to alleviate in the prior art
The existing financing information as disclosed in financier is insufficient to cause financier to be difficult to the technical issues of obtaining financing.
In a first aspect, this method is applied to server, comprising: obtains the embodiment of the invention provides a kind of investment and financing method
The target data for taking financier's terminal to send, wherein the target data includes: the transaction data of financier, the number of deals
According to exchange hour, the transaction certificate of the financier, the financing limit of the financier, the financier financing request
Type information；If the target data is verified, the object module of the financier is constructed based on the target data, and
Financing request is generated based on the target data, the object module includes at least one of: Credit Model, credit and debt mould
Type and asset model；The financing request is issued to investor's terminal, so that investor's terminal is requested based on the financing
Obtain the object module.
Further, the transaction data includes: receivable chain type accounting data and dealing with chain type accounting data, the transaction
Time includes: the book keeping operation time and the book keeping operation time for dealing with chain type accounting data of the receivable chain type accounting data；It is based on
The target data constructs object module, and generating financing request based on the target data includes: in conjunction with the receivable chain type
Accounting data, the receivable chain type accounting data the book keeping operation time, it is described deal with chain type accounting data, it is described to deal with chain type book keeping operation
The book keeping operation time of data and the transaction certificate of the financier construct the object module；Based on the financing limit and described melt
The type information of money request generates the financing request.
Further, the financing request comprises at least one of the following: region financing request, orientation financing request；To throwing
It includes: the target area that region financing request is sent to financing bulletin platform that capital's terminal, which issues the financing request,
So that investor, which is announced by investor's terminal from the financing, obtains the region financing request on platform, wherein described to melt
It include the financing request of at least one financier publication in money bulletin platform；And/or orientation financing request is sent to finger
Determine investor's terminal.
Further, before obtaining the target data that financier's terminal is sent, the method also includes: melt described in acquisition
The authentication information that capital is sent by financier's terminal, and the financier is tested based on the authentication information
Card；After the financier is verified, for the financier be arranged target permission, wherein the target permission include with
Lower at least one: the permission of record chain type book keeping operation proposes the permission of financing application, the permission of credit and debt registration, quotient friend's management
Permission.
Further, the method also includes: the transaction certificate of the financier is sent to storage pool, to melt to described
The transaction certificate of capital stores.
Further, the method also includes: if having not been obtained within a preset time confirmation investing tip, melt described
Providing request marks is financing status of fail, wherein the confirmation investing tip invests what the financing request characterized by confirmation
The request of financing project；The transaction certificate of corresponding financier is requested to be deleted from the storage pool financing, and by institute
Stating financing requests the transaction certificate of corresponding financier to be sent to financier's terminal.
Further, the first confirmation investing tip that investor's terminal is sent is obtained, wherein the first confirmation investment letter
The request for the financing project that breath is characterized by investment objective financing request；The mesh is sent to investor's terminal of the investor
Mark financing requests corresponding object module and/or target financing to request corresponding transaction certificate；Getting the investment
After the second confirmation investing tip just sent, investment and financing handover is completed based on the second confirmation investing tip.
Second aspect, the embodiment of the invention provides a kind of investment and financing system, which includes: financier's terminal, service
Device and investor's terminal, wherein financier's terminal is used to send target data to the server, wherein the target
Data include: the transaction data of financier, the exchange hour of the transaction data, and the financing limit of the financier is described to melt
The type information of the financing request of capital；The server is used to obtain the target data that financier's terminal is sent；If institute
It states target data to be verified, then constructs the object module of the financier based on the target data, and be based on the target
Data generate financing request, and the object module includes at least one of: Credit Model, credit and debt model and assets mould
Type；The financing request is issued to investor's terminal, so that investor's terminal is based on financing request institute
State object module.Investor's terminal is used to obtain the financing request of the server publication, and obtains the mesh
Mark model.
Further, the transaction data includes: receivable chain type accounting data and dealing with chain type accounting data, the transaction
Time includes: the book keeping operation time and the book keeping operation time for dealing with chain type accounting data of the receivable chain type accounting data；It is described
Server is also used to: in conjunction with the receivable chain type accounting data, the receivable chain type accounting data the book keeping operation time, described deal with
Chain type accounting data and the book keeping operation time for dealing with chain type accounting data construct the object module；Based on the financing limit
The financing request is generated with the type information of the financing request.
Further, the financing request comprises at least one of the following: region financing request, orientation financing request；It is described
Server is also used to: region financing request being sent to the target area of financing bulletin platform, so that investor passes through throwing
Capital's terminal obtains the region financing request from financing bulletin platform, wherein includes in the financing bulletin platform
The financing request of at least one financier publication；And/or orientation financing request is sent to specified investor's terminal.
In embodiments of the present invention, by obtaining the transaction data for the financier that financier's terminal provides, transaction data
The transaction certificate of exchange hour and financier, establishes Credit Model, credit and debt model and asset model, and investor's terminal obtains
To above-mentioned Credit Model, after credit and debt model and asset model, shape can be managed to financier by above-mentioned model
Condition and credit situation etc. are understood, while also improving the successful success rate of financier's financing, and then are solved existing due to melting
Financing information disclosed in capital is insufficient to cause financier to be difficult to the technical issues of obtaining financing, improves financing to realize
The technical effect of the successful success rate of side's financing.
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention are in specification, claims
And specifically noted structure is achieved and obtained in attached drawing.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment is cited below particularly, and cooperate
Appended attached drawing, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow chart of the method for investment and financing management provided in an embodiment of the present invention；
Fig. 2 is the flow chart of the method for another investment and financing management provided in an embodiment of the present invention；
Fig. 3 is the flow chart of the method for another investment and financing management provided in an embodiment of the present invention；
Fig. 4 is a kind of schematic diagram of the system of investment and financing management provided in an embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
Embodiment one:
According to embodiments of the present invention, a kind of investment and financing embodiment of the method is provided, it should be noted that in the process of attached drawing
The step of illustrating can execute in a computer system such as a set of computer executable instructions, although also, in process
Logical order is shown in figure, but in some cases, it can be to be different from shown or described by sequence execution herein
Step.
Fig. 1 is a kind of investment and financing method according to an embodiment of the present invention, as shown in Figure 1, this method comprises the following steps:
Step S102 obtains the target data that financier's terminal is sent, wherein the target data includes: financier's
Transaction data, the exchange hour of the transaction data, the financing limit of the financier, the class of the financing request of the financier
Type information；
Step S104 constructs the mesh of the financier based on the target data if the target data is verified
Model to be marked, and financing request is generated based on the target data, the object module includes at least one of: Credit Model,
Credit and debt model and asset model；
Step S106 issues the financing request to investor's terminal, so that investor's terminal is based on the financing
Object module described in request.
In embodiments of the present invention, by obtaining the transaction data for the financier that financier's terminal provides, transaction data
The transaction certificate of exchange hour and financier, establishes Credit Model, credit and debt model and asset model, and investor's terminal obtains
To above-mentioned Credit Model, after credit and debt model and asset model, shape can be managed to financier by above-mentioned model
Condition and credit situation etc. are understood, while also improving the successful success rate of financier's financing, and then are solved existing due to melting
Financing information disclosed in capital is insufficient to cause financier to be difficult to the technical issues of obtaining financing, improves financing to realize
The technical effect of the successful success rate of side's financing.
It should be noted that when the financing request that financier proposes can be divided into receivable financing, order financing proposes two kinds
The premise of financing application is all that financier provides true financier's transaction data, wherein
Receivable financing and order financing are required to record chain type accounting data, wherein chain type accounting data includes chain type note
Account, participation role and record, big data assets and analysis, document and bill original part, 5 parts of supplement.
The transaction certificate that the whole process of chain type accounting records financier's supply chain transaction generates, as B2B sales contract,
The receivable deposit of B2B, the plan of B2B sales order, warehousing contract, contract of transportation, participation role registration, financing plans, B2B electronics are ordered
List, the clearing of B2B electronics packing slip, B2B electronics waybill, B2B check and accepting storing list, B2B order, B2B invoice, B2B evidence for payment,
The transaction certificates such as B2B Office Of Contract Settlements voucher and association book keeping operation endorsement, wherein association book keeping operation endorsement is for proving transaction data
Authenticity；
Participation role and record are the behaviour of the participant for participating in the transaction and operator that are shown by the process of book keeping operation
It notes down；
Big data assets and analysis are the data model and time model automatically generated by the process of book keeping operation, data model
Reflect the payment in process of exchange and amount received；When time model reflects document time and book keeping operation in process of exchange
Between；
Document and bill original part be by book keeping operation during financier the transaction document and bill of exchange original part that upload；
Supplement is to supplemental content required in accounting procedure, because of the data submitted in carrying out chain type accounting procedure
It must not be distorted as if legal person is after audit, so data supplement can only be carried out.
In embodiments of the present invention, as shown in Fig. 2, step S104 further includes following steps:
The transaction data includes: receivable chain type accounting data and dealing with chain type accounting data, the exchange hour includes:
The book keeping operation time of the receivable chain type accounting data and the book keeping operation time for dealing with chain type accounting data；
Step S1041, in conjunction with the receivable chain type accounting data, the book keeping operation time of the receivable chain type accounting data, institute
It states and deals with chain type accounting data, the transaction certificate building institute of the book keeping operation time for dealing with chain type accounting data and the financier
State object module；
Step S1042, the type information based on the financing limit and the financing request generate the financing request.
In embodiments of the present invention, the receivable chain type accounting data that financier's terminal is provided according to financier is (that is, sale is closed
With registration data and association book keeping operation endorsement data) and receivable chain type accounting data book keeping operation time data, generate receivable supply chain
Data model and first time model.
Financier's terminal deals with chain type accounting data (that is, procurement contract registration data and association according to what financier provided
Sales registration data) and receivable chain type accounting data book keeping operation time data, generation is when dealing with supply chain data model and second
Between model.
Pass through above-mentioned receivable supply chain data model, first time model, when dealing with supply chain data model and second
Between model, generate the Credit Model of financier.
Above-mentioned Credit Model is the book keeping operation generated by the commercial intercourse between financier and other companies and/or enterprise
What data and the book keeping operation time data of accounting data generated, therefore it can be effectively reflected the credit standing of financier, thus
Investor can be allowed to understand by credit standing of the Credit Model to financier.
Then, the transaction data for the financier that financier's terminal is provided according to financier and the exchange hour of transaction data,
The debt and credit model of financier, and the transaction certificate of the financier provided by financier are provided, above-mentioned debt and credit is improved
The confidence level of model.
Finally, the transaction data for the financier that financier's terminal is provided by financier and the exchange hour of transaction data are given birth to
At the asset model of financier, wherein mainly include following information in asset model: assets overview, transaction overview, assets are average daily
Variation, sources of the assets, assets increase letter, transaction credit, financing situation, eight major part of credit appraisal.These data are mainly anti-
The assets for reflecting financier, after financing direction investor submits financing application, investor can check the data assets mould of financier
Type understands the condition of assets of financier, and then increases the probability of success of financier.
In embodiments of the present invention, as shown in Fig. 2, step S106 includes the following steps:
The financing request comprises at least one of the following: region financing request, orientation financing request；
Region financing request is sent to the target area of financing bulletin platform by step S1061, so that investor is logical
It crosses investor's terminal and obtains the region financing request from financing bulletin platform, wherein in the financing bulletin platform
Financing request including at least one financier publication；And/or
Orientation financing request is sent to specified investor's terminal by step S1062.
In embodiments of the present invention, financing request can according to financing request published method be divided into region financing request and
Orientation financing request.
Region can be financed request publication in the target area of financing bulletin platform, so that investor passes through throwing by financier
Capital's terminal obtains the region financing from financing bulletin platform and asks.
For example, the industry that financier is engaged in is financial industry, the public affairs for being engaged in financial industry are similarly therefore, it is desirable to investor
Department so financier can be by financing request publication in the financial plate of bulletin platform of financing, and then can be such that the financing requests
It can be engaged in the COM. Navigator of financial industry, since company mutually of the same trade has common point, so as to improve financier
Financing success rate.
Orientation financing request can be sent to specified investor's terminal by financier, when financier wishes some investor couple
In the case that orientation financing request is invested, orientation financing request can be sent to investor's terminal by financier, with
So that investor's terminal is directly obtained above-mentioned orientation financing request, and financing request and financier are audited.
Orientation financing request is sent to specified investor's terminal by financier, purposive can be selected investor
It selects, and then improves the financing success rate of financier.
In embodiments of the present invention, as shown in figure 3, before obtaining the target data that financier's terminal is sent, the side
Method further include:
Step S11 obtains the authentication information that the financier is sent by financier's terminal, and is based on the identity
Verification information verifies the financier；
After the financier is verified target permission is arranged for the financier, wherein the mesh in step S12
Mark permission comprises at least one of the following: the permission of record chain type book keeping operation proposes the permission of financing application, the power of credit and debt registration
Limit, the permission of quotient friend's management.
In embodiments of the present invention, obtain financier's terminal send target data before, financier's terminal need to
The authentication information that server sends financier is melted so that server verifies the identity of financier to improve
Safety of the capital in finance process.
After the identity information of financier is verified, the permission that record chain type is kept accounts will be arranged for financier in server,
It is proposed the permission of financing application, the permission of credit and debt registration, the permissions such as permission of quotient friend's management, so that financier is according to above-mentioned
Permission finance process is operated.
It should be noted that boy side's terminal needs to send out to server in investor's terminal before obtaining financing request
The authentication information of investor is sent, so that server verifies the identity of investor, is being melted to improve investor
The safety of money process.
After the identity information of investor is verified, the permission of the note credit management, debt will be arranged in server for investor
The permission of management is weighed, obtains to finance and announces the permission for the financing request issued on platform, the permissions such as permission of customer account management, so that
Investor operates finance process according to above-mentioned permission.
In embodiments of the present invention, as shown in figure 3, the method also includes following steps:
The transaction certificate of the financier is sent to storage pool by step S21, with the transaction certificate to the financier into
Row storage.
In embodiments of the present invention, by the way that the transaction certificate of financier is sent to storage pool, with the transaction to financier
Voucher is stored, and can be made investor after the financing request proposed to some financier generates interest, be obtained from storage pool
Get corresponding transaction certificate, so by transaction certificate to the management state of the financier and credit situation etc. carry out analysis and
Understanding of the investor to financier is deepened in verifying.
In embodiments of the present invention, as shown in figure 3, the method also includes following steps:
The financing request marks are financing if confirmation investing tip has not been obtained within a preset time by step S31
Status of fail, wherein the confirmation investing tip is invested the request for the financing project that the financing request characterizes by confirmation；
The financing is requested the transaction certificate of corresponding financier to be deleted from the storage pool by step S32, and by institute
Stating financing requests the transaction certificate of corresponding financier to be sent to financier's terminal.
In embodiments of the present invention, after financier has issued financing request, if not getting throwing in preset time
The investing tip that capital sends, which is then financing status of fail by server, and the financing is requested to correspond to
Transaction certificate deleted from storage pool, and request corresponding transaction certificate to be returned to financing terminal the financing, so as to melt
Capital can issue financing request and object module, to improve the financing of financier by the transaction certificate retracted again
Efficiency.
It should be noted that above-mentioned preset time, specific duration can be by financier or administrative staff according to practical feelings
Condition sets itself, is not specifically limited in embodiments of the present invention, and under normal circumstances, preset time is 7 days.
In embodiments of the present invention, as shown in figure 3, the method also includes:
Step S41 obtains the first confirmation investing tip that investor's terminal is sent, wherein the first confirmation investment letter
The request for the financing project that breath is characterized by investment objective financing request；
Step S42, to investor's terminal of the investor send target financing request corresponding object module and/
Or the target financing requests corresponding transaction certificate；
Step S43, after getting the second confirmation investing tip that the investor sends, based on second confirmation
Investing tip completes investment and financing handover.
In embodiments of the present invention, the financing request and/or melt that investor's terminal can be issued from financing bulletin platform
Capital is transmitted directly to the financing request of investor, determines target financing request by sending the first confirmation investing tip.
Then, it after server gets the first confirmation investing tip of investor's terminal transmission, is sent to investor's terminal
Target financing requests corresponding object module and/or target financing to request corresponding transaction certificate.
Finally, determining and throwing financing request when investor audits above-mentioned model and/or transaction certificate
After money, investor sends the second confirmation investing tip by investor's terminal to server, gets the second confirmation in server
After investing tip, investor and financier's sign a contract will be arranged, then, investor can be by carrying out most tune to financier, melting
The investment and financing process such as make loans is provided and carries out, the investment and financing completed between investor and financier joins.
Embodiment two:
The embodiment of the invention also provides a kind of system of investment and financing management, the system of the investment and financing management is for executing sheet
The method of investment and financing management provided by inventive embodiments above content, below to investment and financing management provided in an embodiment of the present invention
System do specific introduction.
As shown in figure 4, Fig. 4 is the schematic diagram of the system of the investment and financing management, wherein the system includes: financier's terminal
10, server 20 and investor's terminal 30, wherein
Financier's terminal 10 is used to send target data to the server, wherein the target data includes: melting
The financing of the transaction data of capital, the exchange hour of the transaction data, the financing limit of the financier, the financier is asked
The type information asked；
The server 20 is used to obtain the target data that financier's terminal is sent；If the target data verifying is logical
It crosses, then constructs the object module of the financier based on the target data, and financing request is generated based on the target data,
The object module includes at least one of: Credit Model, credit and debt model and asset model；To investor's terminal
The financing request is issued, so that investor's terminal is based on object module described in the financing request.
Investor's terminal 30 is used to obtain the financing request of the server publication, and obtains the target
Model.
In embodiments of the present invention, financier's terminal to server sends the transaction data of financier, the friendship of transaction data
The data such as the transaction certificate of easy time and financier, server get the transaction data of the financier of financier's terminal offer,
The exchange hour of transaction data and the transaction certificate of financier establish Credit Model, credit and debt model and asset model, investment
Square terminal gets above-mentioned Credit Model, can be by above-mentioned model to financing after credit and debt model and asset model
Management state and credit situation of side etc. are understood, while also improving the successful success rate of financier's financing, and then solve
The existing financing information as disclosed in financier is insufficient to cause financier to be difficult to the technical issues of obtaining financing, to realize
Financier is improved to finance the technical effect of successful success rate.
Optionally, the transaction data includes: receivable chain type accounting data and chain type accounting data is dealt with, when the transaction
Between include: the receivable chain type accounting data book keeping operation time and the book keeping operation time for dealing with chain type accounting data；The clothes
Business device 20 is also used to: in conjunction with the receivable chain type accounting data, the receivable chain type accounting data the book keeping operation time, described deal with
Chain type accounting data and the book keeping operation time for dealing with chain type accounting data construct the object module；Based on the financing limit
The financing request is generated with the type information of the financing request.
Optionally, the financing request comprises at least one of the following: region financing request, orientation financing request the service
Device 20 is also used to: region financing request being sent to the target area of financing bulletin platform, so that investor passes through investment
Square terminal obtains the region financing request from financing bulletin platform, wherein includes extremely in the financing bulletin platform
The financing request of few financier publication；And/or orientation financing request is sent to specified investor's terminal.
Optionally, the server 20 is also used to obtain institute before obtaining the target data that financier's terminal is sent
State the authentication information that financier is sent by financier's terminal, and based on the authentication information to the financier into
Row verifying；After the financier is verified, target permission is set for the financier, wherein the target permission packet
Include following at least one: the permission of record chain type book keeping operation proposes the permission of financing application, the permission of credit and debt registration, Shang You
The permission of management.
Optionally, the server 20 is also used to the transaction certificate of the financier being sent to storage pool, to described
The transaction certificate of financier stores.
Optionally, the server 20 is also used to:, will be described if confirmation investing tip has not been obtained within a preset time
Request marks of financing are financing status of fail, wherein the confirmation investing tip is invested the financing request by confirmation and characterized
Financing project request；The transaction certificate of corresponding financier is requested to be deleted from the storage pool financing, and will
The financing requests the transaction certificate of corresponding financier to be sent to financier's terminal.
Optionally, the server 20 is also used to obtain the first confirmation investing tip of investor's terminal transmission, wherein institute
State the request for the financing project that the first confirmation investing tip is characterized by investment objective financing request；Investment to the investor
Square terminal, which sends the target financing, requests corresponding object module and/or target financing to request corresponding transaction certificate；
After getting the second confirmation investing tip that the investor sends, completes to throw based on the second confirmation investing tip and melt
Money handover.
In addition, in the description of the embodiment of the present invention unless specifically defined or limited otherwise, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
To be mechanical connection, it is also possible to be electrically connected；It can be directly connected, can also can be indirectly connected through an intermediary
Connection inside two elements.For the ordinary skill in the art, above-mentioned term can be understood at this with concrete condition
Concrete meaning in invention.
In the description of the present invention, it should be noted that term " center ", "upper", "lower", "left", "right", "vertical",
The orientation or positional relationship of the instructions such as "horizontal", "inner", "outside" be based on the orientation or positional relationship shown in the drawings, merely to
Convenient for description the present invention and simplify description, rather than the device or element of indication or suggestion meaning must have a particular orientation,
It is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.In addition, term " first ", " second ",
" third " is used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.The apparatus embodiments described above are merely exemplary, for example, the division of the unit,
Only a kind of logical function partition, there may be another division manner in actual implementation, in another example, multiple units or components can
To combine or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or beg for
The mutual coupling, direct-coupling or communication connection of opinion can be through some communication interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in the executable non-volatile computer-readable storage medium of a processor.Based on this understanding, of the invention
Technical solution substantially the part of the part that contributes to existing technology or the technical solution can be with software in other words
The form of product embodies, which is stored in a storage medium, including some instructions use so that
One computer equipment (can be personal computer, server or the network equipment etc.) executes each embodiment institute of the present invention
State all or part of the steps of method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-
Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can be with
Store the medium of program code.
Finally, it should be noted that embodiment described above, only a specific embodiment of the invention, to illustrate the present invention
Technical solution, rather than its limitations, scope of protection of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, those skilled in the art should understand that: anyone skilled in the art
In the technical scope disclosed by the present invention, it can still modify to technical solution documented by previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of technical solution of the embodiment of the present invention, should all cover in protection of the invention
Within the scope of.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of investment and financing method, which is characterized in that be applied to server, comprising:
Obtain the target data that financier's terminal is sent, wherein the target data includes: the transaction data of financier, described
The exchange hour of transaction data, the transaction certificate of the financier, the financing limit of the financier, the financing of the financier
The type information of request；
If the target data is verified, the object module of the financier is constructed based on the target data, and is based on
The target data generates financing request, and the object module includes at least one of: Credit Model, credit and debt model and
Asset model；
The financing request is issued to investor's terminal, so that investor's terminal is based on mesh described in the financing request
Mark the transaction certificate of model and the financier.
2. the method according to claim 1, wherein the transaction data includes: receivable chain type accounting data and
Deal with chain type accounting data, the exchange hour includes: the book keeping operation time of the receivable chain type accounting data and described deals with chain
The book keeping operation time of formula accounting data；
Object module is constructed based on the target data, and financing request is generated based on the target data and includes:
It keeps accounts in conjunction with the receivable chain type accounting data, the book keeping operation time of the receivable chain type accounting data, the chain type of dealing with
The transaction certificate of data, the book keeping operation time for dealing with chain type accounting data and the financier constructs the object module；
Type information based on the financing limit and the financing request generates the financing request.
3. the method according to claim 1, wherein financing request comprises at least one of the following: melting in region
Money request, orientation financing request；
Issuing the financing request to investor's terminal includes:
By the region financing request be sent to financing bulletin platform target area so that investor by investor's terminal from
The region financing request is obtained on the financing bulletin platform, wherein melt in the financing bulletin platform including at least one
The financing request of capital's publication；And/or
Orientation financing request is sent to specified investor's terminal.
4. the method according to claim 1, wherein obtain financier's terminal send target data before,
The method also includes:
The authentication information that the financier is sent by financier's terminal is obtained, and based on the authentication information to institute
Financier is stated to verify；
After the financier is verified, for the financier be arranged target permission, wherein the target permission include with
Lower at least one: the permission of record chain type book keeping operation proposes the permission of financing application, the permission of credit and debt registration, quotient friend's management
Permission.
5. the method according to claim 1, wherein the method also includes；
The transaction certificate of the financier is sent to storage pool, is stored with the transaction certificate to the financier.
6. according to the method described in claim 5, it is characterized in that, the method also includes:
It is financing status of fail by the financing request marks if confirmation investing tip has not been obtained within a preset time,
In, the confirmation investing tip is invested the request for the financing project that the financing request characterizes by confirmation；
It requests the transaction certificate of corresponding financier to be deleted from the storage pool financing, and the financing is requested pair
The transaction certificate of the financier answered is sent to financier's terminal.
7. the method according to claim 1, wherein the method also includes:
Obtain the first confirmation investing tip that investor's terminal is sent, wherein the first confirmation investing tip is the investment objective
Financing requests the request of characterized financing project；
Sending the target financing to investor's terminal of the investor requests corresponding object module and/or the target to melt
Money requests corresponding transaction certificate；
After getting the second confirmation investing tip that the investor sends, completed based on the second confirmation investing tip
Investment and financing handover.
8. a kind of investment and financing system, which is characterized in that the system comprises: financier's terminal, server and investor's terminal,
In,
Financier's terminal is used to send target data to the server, wherein the target data includes: financier's
Transaction data, the exchange hour of the transaction data, the financing limit of the financier, the class of the financing request of the financier
Type information；
The server is used to obtain the target data that financier's terminal is sent；If the target data is verified,
The object module of the financier is constructed based on the target data, and financing request is generated based on the target data, it is described
Object module includes at least one of: Credit Model, credit and debt model and asset model；It is issued to investor's terminal
The financing request, so that investor's terminal is based on object module described in the financing request；
Investor's terminal is used to obtain the financing request of the server publication, and obtains the object module.
9. system according to claim 8, which is characterized in that the transaction data includes: receivable chain type accounting data and
Deal with chain type accounting data, the exchange hour includes: the book keeping operation time of the receivable chain type accounting data and described deals with chain
The book keeping operation time of formula accounting data；
The server is also used to:
It keeps accounts in conjunction with the receivable chain type accounting data, the book keeping operation time of the receivable chain type accounting data, the chain type of dealing with
Data and the book keeping operation time for dealing with chain type accounting data construct the object module；
Type information based on the financing limit and the financing request generates the financing request.
10. system according to claim 8, which is characterized in that the financing request comprises at least one of the following: melting in region
Money request, orientation financing request；
The server is also used to:
By the region financing request be sent to financing bulletin platform target area so that investor by investor's terminal from
The region financing request is obtained on the financing bulletin platform, wherein melt in the financing bulletin platform including at least one
The financing request of capital's publication；And/or
Orientation financing request is sent to specified investor's terminal.
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| CN201810935447.6A CN109087207A (en) | 2018-08-16 | 2018-08-16 | A kind of investment and financing method and system |
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| CN201810935447.6A CN109087207A (en) | 2018-08-16 | 2018-08-16 | A kind of investment and financing method and system |
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| CN111724245A (en) * | 2020-06-12 | 2020-09-29 | 中国建设银行股份有限公司 | Credit card financing method and system |
| CN112184428A (en) * | 2020-10-26 | 2021-01-05 | 支付宝(杭州)信息技术有限公司 | Processing method and system for operation and flow of financing requester |
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