CN111861735A

CN111861735A - Information processing method, device, system and medium for financing

Info

Publication number: CN111861735A
Application number: CN202010774950.5A
Authority: CN
Inventors: 汤文杰; 方晓明; 王爽; 张晶晶; 肖彦琪; 吴文省
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-08-04
Filing date: 2020-08-04
Publication date: 2020-10-30

Abstract

The present disclosure provides an information processing method, apparatus, system and medium for financing, which can be used in the financial field. The method comprises the following steps: acquiring first trade information at a first moment from a third-party system based on a first financing request initiated by a trade financing party at the first moment; obtaining a first financing amount based on the first trade information; after financing examination based on the first financing amount passes, acquiring second trade information at a second moment from the third-party system based on a second financing request initiated by the trade financing party at the second moment, wherein the second moment is later than the first moment, and the first trade information and the second trade information are recorded information of the same trade service at different moments; and obtaining a second financing amount based on the second trade information.

Description

Information processing method, device, system and medium for financing

Technical Field

The present disclosure relates to the field of supply chain finance, and more particularly, to an information processing method, apparatus, system, and medium for financing.

Background

Supply chain finance has risen to a national strategy, and a plurality of related guidance opinions of state hospitals, business departments, central departments and the like require to form a new supply chain development technology and a new mode suitable for the national conditions of China so as to support entity enterprises and small and micro enterprises. Traditional supply chain finance is based on trade information confirmed by core enterprises, and financing support is provided for upstream and downstream enterprises by banks through credit endorsements of the core enterprises. With the increasingly prominent role of supply chain finance in the economic development of entities, banks are urgently needed to realize deep penetration of industrial chains by relying on the technical advantages of data resources and the internet, and more accurate, comprehensive and dynamic financing service is provided for tourists and tourists.

In the existing supply chain financing process, intelligent financing is usually performed once for one trade business. When the trade financing party applies for financing, the bank system calculates the financing amount according to the trade information confirmed by the core enterprise at the time of applying financing, and approves the financing application of the trade financing party based on the financing amount, the qualification auditing condition of the trade financing party and the like. After a trade financing party applies for financing according to a trade service, the trade financing party cannot apply for financing again according to the trade service, which results in that the financing time is rigid, and the financing mode is single and inflexible.

Disclosure of Invention

In view of this, the embodiments of the present disclosure provide an information processing method, apparatus, system, and medium capable of repeatedly financing for the same trade service.

One aspect of the disclosed embodiments provides an information processing method for financing. The method comprises the following steps: acquiring first trade information at a first moment from a third-party system based on a first financing request initiated by a trade financing party at the first moment; obtaining a first financing amount based on the first trade information; after the financing examination based on the first financing amount passes, acquiring second trade information at a second moment from the third-party system based on a second financing request initiated by the trade financing party at the second moment; the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times; and obtaining a second financing amount based on the second trade information.

According to an embodiment of the disclosure, if the first trade information is different from the second trade information, the first financing amount is different from the second financing amount. Or if the first trade information is the same as the second trade information, the first financing amount is the same as the second financing amount.

According to an embodiment of the present disclosure, the obtaining of the first trade information and the second trade information from the third-party system includes receiving updated information of a status of the trade service pushed by the third-party system in real time.

According to an embodiment of the present disclosure, the status of the trade service includes any one of pending, stocked, shipped, invoiced, received, checked, received, pending, post-trade, or clearing of a ticket. The recorded information comprises bill information or bill information corresponding to the state of the trade service in the circulation process of the trade service.

According to an embodiment of the disclosure, the method further includes performing financing auditing based on the first financing amount. Specifically, the method comprises the steps of calculating a first financable maximum amount based on the first financing amount, and generating first loan information when a first application amount requested by the first financing request is lower than the first financable maximum amount, wherein the first loan information represents that the trade financing party is paid with the first application amount.

According to an embodiment of the present disclosure, the method further includes performing financing auditing based on the second financing amount. Specifically including based on the second financing amount and the first application amount, calculating a second financable maximum amount, the second financable maximum amount is at least less than the difference between the second financing amount and the first application amount, and when the second application amount requested by the second financing request is lower than the second financable maximum amount, generating second loan information, and the second loan information represents that the second application amount puts money to the trade financing party.

According to an embodiment of the present disclosure, the method further comprises: receiving a fund payment request of the third-party system for paying funds to the trade financer, wherein the fund payment request is used for paying the trade business; acquiring the first loan information and the second loan information related to the trade service; and paying loans in the first loan information and the second loan information in sequence by using the funds in the fund payment request according to the sequence of repayment due dates in the first loan information and the second loan information.

In another aspect of the disclosed embodiments, an information processing method for financing is provided, which is applied to a client. The method comprises the following steps: initiating a first financing request at a first time, wherein the first financing request is used for applying for loan based on first trade information; obtaining a first financing amount determined based on the first trade information; after the first financing request is approved, initiating a second financing request at a second moment, wherein the second financing request is used for applying for loan based on second trade information, the second moment is later than the first moment, and the first trade information and the second trade information are recorded information of states of the same trade service at different moments; and obtaining a second financing amount determined based on the second trade information.

In another aspect of the disclosed embodiments, an information processing apparatus for financing is provided. The device comprises a request acquisition module and a financing amount acquisition module. The request acquisition module is used for acquiring first trade information at a first moment from a third-party system based on a first financing request initiated by a trade financing party at the first moment. The financing amount obtaining module is used for obtaining a first financing amount based on the first trade information. The request acquisition module is further used for acquiring second trade information at a second moment from the third-party system based on a second financing request initiated by the trade financing party at the second moment after the financing audit based on the first financing amount passes; and the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times. The financing amount obtaining module is further used for obtaining a second financing amount based on the second trade information.

According to an embodiment of the present disclosure, the apparatus further comprises a trade information receiving module. The trade information receiving module is used for receiving the update information of the state of the trade service pushed by the third-party system in real time.

According to an embodiment of the present disclosure, the apparatus further includes an audit module. The auditing module is used for performing financing auditing based on the first financing amount, and specifically comprises the steps of calculating a first financable highest amount based on the first financing amount, and generating first loan information when a first application amount requested by the first financing request is lower than the first financable highest amount, wherein the first loan information represents that the trading financing party is paid with the first application amount.

According to the embodiment of the disclosure, the auditing module is further used for financing auditing based on the second financing amount. Specifically including based on the second financing amount and the first application amount, calculating a second financable maximum amount, the second financable maximum amount is at least less than the difference between the second financing amount and the first application amount, and when the second application amount requested by the second financing request is lower than the second financable maximum amount, generating second loan information, and the second loan information represents that the second application amount puts money to the trade financing party.

According to an embodiment of the present disclosure, the apparatus further comprises a substitute repayment module. The generation repayment module is used for: receiving a fund payment request of the core enterprise for paying funds to the trade financer, wherein the fund payment request is used for paying the trade business; acquiring the first loan information and the second loan information related to the trade service; and paying loans in the first loan information and the second loan information in sequence by using the funds in the fund payment request according to the sequence of repayment due dates in the first loan information and the second loan information.

In another aspect of the disclosed embodiments, an information processing apparatus for financing is provided, which is applied to a client. The device comprises a request module and a loan information obtaining module. The request module is used for initiating a first financing request at a first time, and the first financing request is used for applying for loan based on first trade information. The loan information obtaining module is used for obtaining a first financing amount determined based on the first trade information. The request module is further used for initiating a second financing request at a second moment, the second financing request is used for applying for a loan of a second applied amount based on second trade information, the second moment is later than the first moment, and the first trade information and the second trade information are recorded information of states of the same trade service at different moments. The loan information obtaining module is further used for obtaining a second financing amount determined based on the second trade information.

In another aspect of the disclosed embodiments, an information processing system is provided. The information handling system includes one or more memories and one or more processors. The memory has stored thereon computer-executable instructions. The processor executes the instructions to implement the method as described above.

Another aspect of the embodiments of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of embodiments of the present disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.

One or more of the above-described embodiments may provide the following advantages or benefits: the problem that a traditional mode needs to withdraw money once, a trade financing party cannot fully utilize financing resources according to the change of the state of the trade business and the like can be solved at least partially, the situation that the financing can be adjusted to be repeatable for the same trade business only once, meanwhile, different states of the financing amount, the trade business in the whole life cycle, such as execution, stock and delivery are combined, and the dynamic financing amount is provided for the trade financing party based on the confirmation of a third party system, so that the operation requirement is met.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically shows a system architecture of an information processing method and apparatus for financing according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of an information processing method for financing in accordance with an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of an information processing method for financing in accordance with another embodiment of the present disclosure;

FIG. 4 schematically shows a flow diagram of an information processing method for financing according to another embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of an information processing method for financing as applied to a client in accordance with an embodiment of the present disclosure;

FIG. 6 schematically shows a multi-party interaction flow schematic in an information processing method for financing according to an embodiment of the present disclosure;

FIG. 7 schematically illustrates a flowchart implementation of one application example of an information processing method for financing in accordance with an embodiment of the present disclosure;

fig. 8 schematically shows a flow of a method for core enterprise refunding a loan on behalf of in an information processing method for financing according to an embodiment of the present disclosure;

fig. 9 schematically shows a flowchart implementation of an application example of a third-party system on behalf of financing loan in the information processing method for financing according to the embodiment of the present disclosure;

FIG. 10 illustrates a block diagram of an information processing apparatus for financing in accordance with an embodiment of the present disclosure;

FIG. 11 illustrates a block diagram of an information processing apparatus for financing as applied to a client in accordance with an embodiment of the present disclosure; and

FIG. 12 schematically illustrates a block diagram of a computer system suitable for implementing an information processing method for financing in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the existing supply chain financing process, the financing can be generally only once for one trade business. Therefore, for the reason that one trade service client cannot finance for many times according to the fund demand and the actual service operation state in actual operation, financing products cannot be effectively combined with the state change of the trade service, variable financing amount cannot be provided for the client, and the overall operation efficiency of an industrial chain and the full utilization of financing resources are influenced.

In view of this, embodiments of the present disclosure provide an information processing method, apparatus, system, and medium that can repeatedly finance.

Specifically, the information processing method for financing may include first obtaining first trade information at a first time from a third-party system based on a first financing request initiated by a trade financing party at the first time; then, acquiring a first financing amount based on the first trade information; then after the financing examination based on the first financing amount passes, acquiring second trade information at a second moment from a third-party system based on a second financing request initiated by the trade financing party at the second moment; next, the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times; and then obtaining a second financing amount based on the second trade information.

According to an embodiment of the present disclosure, the third-party system may be, for example, an Enterprise Resource Planning, ERP (ERP) system of a core Enterprise in a supply chain. Obtaining the trade information from the third-party system may enable credit endorsements by the core enterprise regarding the status of the trade service.

According to some embodiments of the present disclosure, if the first trade information is different from the second trade information, the first financing amount is different from the second financing amount. Therefore, the financing amount can be dynamically adjusted along with the change of the circulation state of the trade business. For example, the amount of financing that a bank approves to a customer at the beginning of a trade transaction may be low. Along with the progress of trade is more smooth, the risk of the trade business is reduced by information such as timely goods delivery and the like, and the financing amount approved by a bank to a client can be correspondingly improved, so that the client can only obtain a loan with a lower amount in the early stage of the trade business, but the fund investment can be increased along with the progress of the trade business, on the other hand, the credit value of each part of the trade is also continuously improved, and the client can obtain a loan with a higher amount in the surplus process of the trade. In this way, the financing process can be dynamically combined with the circulation state of the trade business, and the prosperity of the supply chain can be better supported.

According to another embodiment of the present disclosure, if the first trade information is the same as the second trade information, the first financing amount is the same as the second financing amount. For example, a trade financer may apply for loans multiple times within the allowed limits of financing amount for the same trade information for a trade transaction. Therefore, the client can flexibly select the financing opportunity and the financing amount in each time according to the actual fund demand.

In this way, the embodiments of the present disclosure can provide a repeatable financing scheme, which can dynamically adjust the financing amount based on the full life cycle of the trade service, and provide repeatable financing, more accurate, comprehensive, and dynamic financing service for clients on and off the supply chain. The supply chain tourists and visitors can include client types such as legal persons, small enterprises, individual industrial and commercial businesses, farmers and the like.

Fig. 1 schematically illustrates a system architecture 100 of an information processing method and apparatus for financing according to an embodiment of the present disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the system architecture 100 according to this embodiment may include a terminal device 101, a network 102, a banking system server 103, a network 104, and a third party system 105. Network 102 is configured to provide a communication link between terminal device 101 and banking system server 103, and network 104 is configured to provide a communication link between banking system server 103 and third party system 105. The

networks

102, 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

Various client applications, such as an internet banking client application, a mobile banking client application, or a browser client application, may be installed on the terminal device 101. In one embodiment, the trade financing party may initiate a financing request through an online banking client application installed on the terminal device 101, and obtain an audit result of the financing request by the banking system server 103, for example, the loan is obtained through the audit, or the audit is not passed.

The third party system 105, which may be, for example, a core enterprise ERP, may feed back to the banking system server 103 current trade information for the trade service financed by the trade financier request.

The banking system server 103 may provide services such as financing auditing, loan approval, and the like.

According to the embodiment of the disclosure, the trade financing party can offer multiple financing applications for the same trade service through the terminal device 101.

In the supply chain financing system, after the banking system server 103 receives a financing request initiated by a trade financing party through the terminal device 101, the banking system server 103 may obtain current trade information of a trade service for financing requested by the trade financing party from the third-party system 105. In one embodiment, the banking system server 103 may actively request the third-party system 105 to feed back the current trade information after receiving the financing request. In another embodiment, the third-party system 105 may push the updated information of the trade service to the banking system server 103 in real time when the status of the trade service changes, so that the banking system server 103 updates its own recorded status information of the trade service, so as to directly obtain the trade information recorded inside the banking server 103 when the banking system server 103 receives the server.

According to the embodiment of the disclosure, the financing amount of the trade financing party is determined based on the current trade information, and then the financing application of the trade financing party is examined and approved. In this way, banks can provide financing support for upstream and downstream enterprises by means of the credit endorsement of the core enterprise.

It should be understood that the number of types of terminal devices, networks, servers, third party systems in fig. 1 is merely illustrative. There may be any type and number of terminal devices, networks, and servers, as desired for implementation.

It should be noted that the information processing method and apparatus for financing according to the embodiments of the present disclosure may be used in the financial field, and may also be used in any field other than the financial field, which is not limited by the present disclosure.

Fig. 2 schematically shows a flowchart of an information processing method for financing according to an embodiment of the present disclosure.

As shown in fig. 2, the information processing method for financing according to an embodiment of the present disclosure may include operations S210 to S240. The method may be performed by, for example, banking system server 103.

In operation S210, first trade information at a first time is obtained from the third-party system 105 based on a first financing request initiated by a trade financer at the first time.

In operation S220, a first financing amount is obtained based on the first trade information.

In operation S230, after the financing audit based on the first financing amount passes, second trade information at a second time is obtained from the third-party system based on a second financing request initiated by the trade financing party at the second time. And the second time is later than the first time, and the first trade information and the second trade information are recorded information of the same trade service in different states at different times.

In operation S240, a second financing amount is obtained based on the second trade information.

According to an embodiment of the disclosure, if the first trade information is different from the second trade information, the first financing amount is different from the second financing amount. Therefore, the financing amount can be dynamically adjusted along with the change of the circulation state of the trade business.

According to another embodiment of the present disclosure, if the first trade information is the same as the second trade information, the first financing amount is the same as the second financing amount. That is, after a financing, the trading financing party can apply for financing again when the trade business has not changed state yet. For example, the total financable amount corresponding to one trade information is 100 ten thousand, and the trade financing party can apply for the loan for multiple times, for example, first propose 10 thousand, then propose 20 thousand, then propose 70 thousand, as long as it is within the range of the withdrawable amount. Thus, multiple financing within the allowed financing limit can be performed for one trade information.

According to an embodiment of the present disclosure, the status of the trading service includes any one of pending, stock, shipped, invoiced, received, checked, received, pending, post-trade, or clearing of the instrument. The recorded information includes bill information or receipt information corresponding to a state of the trade service in a circulation process of the trade service. In the business process, a contract is generally made first, there are orders corresponding to the contract, and in the order fulfillment process, there are documents such as stock bill, logistics bill, and various receipts, etc. Different documents correspond to different trade business states, wherein the correspondence relationship may be exemplified as follows: the method comprises the steps of waiting to be executed, ordering, prepared goods list, delivery list, logistics list, invoiced invoice, received goods, receiving list, checked goods, inspection list, storage list, received invoice, to-be-paid settlement list, account receivable confirmation list, post-trade, payment list, acceptance letter and bill clearing list.

Thus, the first/second trade information includes, but is not limited to, trade contracts, orders, stock orders, outbound orders, invoice orders, receipt orders, check orders, warehousing orders, settlement orders, accounts receivable confirmation orders, payment orders, letter of commitment, bills. The state of the trade service at the first time and the second time can be determined through the first trade information and the second trade information. In operation S220 and operation S240, the corresponding financing amount is determined based on the first trade information and the second trade information, so that the financing amount can be dynamically adjusted according to the circulation state of the trade service, the financing requirement is associated with the circulation state of the trade service, the synchronous matching between the financing requirement and the circulation state of the trade service is realized, and the fund utilization efficiency of the supply chain is improved.

In this way, the embodiment of the disclosure can solve the pain point that the traditional mode needs to withdraw money once, the trade financing party cannot fully utilize financing resources according to the change of the state of the trade service, the financing for the same trade service can be adjusted to be financing repeatedly once, meanwhile, the financing amount is combined with different states of waiting for execution, stock and delivery in the whole life cycle of the trade service, and the trade financing party is really considered to provide dynamic financing amount based on the third-party system, thereby meeting the operation requirement.

The embodiment of the disclosure can dynamically adjust the financing amount based on the state change in the whole life cycle of the trade service when the trade financing party applies for financing, thereby maximally supporting the financing appeal of the trade financing party at different stages of the trade service, and effectively improving the overall operation efficiency of the industrial chain and the utilization rate of the financing resources.

The embodiment of the disclosure can realize the matching of the financing requirement of the trade financing party and the circulation state of the trade service, and compared with the way that the trade financing party must be financed once in the traditional mode, the embodiment of the disclosure can improve the financing flexibility of the trade financing party and reduce unnecessary interest expenditure of the trade financing party.

FIG. 3 schematically shows a flow chart of an information processing method for financing according to another embodiment of the present disclosure.

As shown in fig. 3, the information processing method for financing according to an embodiment of the present disclosure may include operation S211, operation S220, operation S231, and operation S240. Here, operations S211 and S231 are specific embodiments of operations S210 and S230, respectively. The method may be performed by, for example, banking system server 103.

In operation S211, based on a first financing request initiated by a trade financing party at a first time, first trade information is obtained according to latest received update information of trade information pushed by a third-party system in real time.

In operation S231, after the financing audit based on the first financing amount passes, second trade information is obtained according to the latest received update information of the trade information pushed by the third-party system in real time based on a second financing request initiated by the trade financing party at a second time.

According to an embodiment of the present disclosure, the obtaining of the first trade information and the second trade information may be receiving update information of a state of the trade service pushed by the third-party system in real time, so that when the first financing request and the second financing request are received, the trade information obtained according to the received update information in the bank system server 103 at the corresponding moment is obtained.

Fig. 4 schematically shows a flowchart of an information processing method for financing according to another embodiment of the present disclosure.

As shown in fig. 4, the information processing method for financing according to the embodiment of the present disclosure may include operations S430 and S440 in addition to operations S210 to S240. The method may be performed by, for example, banking system server 103.

After obtaining the first financing amount for the first financing request in operation S210 and operation S220, operation S430 is performed, and a financing audit is performed based on the first financing amount.

Specifically, in operation S430, a first financable maximum amount may be first calculated based on the first financing amount, and then when a first application amount requested by the first financing request is lower than the first financable maximum amount, first loan information may be generated, where the first loan information represents a payment to the trade financing party at the first application amount. For example, if the trading financing party has financed the loan according to the trading service before initiating the first financing request, the first financable maximum amount may be equal to the first financing amount minus the amount of the financing already.

After operation S230 and operation S240 obtain a second financing amount for a second financing request of the same trade service, operation S440 is performed to perform a financing audit based on the second financing amount.

Specifically, in operation S440, a second financable maximum amount may be calculated based on the second financing amount and the first application amount, where the second financable maximum amount is at least smaller than a difference between the second financing amount and the first application amount; and then generating second loan information when the second applied amount requested by the second financing request is lower than the second financable maximum amount, wherein the second loan information represents that the trading financing party is paid with the second applied amount.

It is understood that, in the actual process of checking financing and loan, the bank system server 103 checks various information including the financing amount one by one according to the existing detailed flow in the bank system server, for example, checks the qualification, credit status, and trade business of the trade financing party, and the disclosure is not described herein.

Fig. 5 schematically shows a flowchart of an information processing method for financing applied to a client according to an embodiment of the present disclosure.

As shown in fig. 5, the information processing method for financing according to an embodiment of the present disclosure may include operations S510 to S540. The method is applied to a client, which may be installed in the terminal device 101, for example.

First, in operation S510, a first financing request is initiated at a first time, and the first financing request is used for applying for loan based on first trade information.

Then, in operation S520, a first financing amount determined based on the first trade information is obtained. For example, the banking system may feed back the first financing amount to the client after obtaining the current financing amount of the trade financing party as the first financing amount based on the first trade information approval calculation. Therefore, the trade financing party can check the current financing amount of the trade financing party on the client.

The trade financing party applies for the first application amount through the first financing request, and when the first application amount is smaller than or equal to the first financing amount and the first financing request is approved, the trade financing party can obtain third loan information through the client, and the third loan information represents that the trade financing party obtains a loan of the first application amount.

Next, in operation S530, after the first financing request is approved, a second financing request is initiated at a second time, where the second financing request is used for applying for loan based on second trade information, the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times.

According to an embodiment of the present disclosure, the status of the trading service includes any one of pending, stock, shipped, invoiced, received, checked, received, pending, post-trade, or clearing of the instrument. The recorded information includes bill information or receipt information corresponding to a state of the trade service in a circulation process of the trade service.

Thereafter, in operation S540, a second financing amount determined based on the second trade information is obtained. Similar to operation S520, the trade financer may view the current financing amount fed back by the banking system on the client.

Wherein, if the first trade information is different from the second trade information, the first financing amount is different from the second financing amount. Therefore, the financing amount can be dynamically adjusted along with the change of the circulation state of the trade business. Or if the first trade information is the same as the second trade information, the first financing amount is the same as the second financing amount.

The trade financing party can apply for the second application amount through the second financing request, and when the sum of the second application amount and the first application amount is smaller than or equal to the second financing amount, fourth loan information can be obtained after the second financing request is approved, and the fourth loan information represents that the trade financing party obtains a loan of the second application amount.

According to an embodiment of the present disclosure, the trade financer 1 may operate a corresponding client application, e.g., an online banking client, on the terminal device 101, initiating multiple financing requests for the same trade service.

Fig. 6 schematically shows a multi-party interaction flow schematic in an information processing method for financing according to an embodiment of the present disclosure.

As shown in fig. 6, the trade financing party may initiate a financing application multiple times through the client.

In addition, the trade financing party or the core enterprise can record or update the state change information (for example, information of the change of trade information such as stock and delivery) of the trade business in real time through the ERP system of the core enterprise.

The banking system may actively acquire the trade information of the trade service from the ERP system of the core enterprise, or may passively receive the trade information updated by the ERP system of the core enterprise in real time.

The trade financing party may interact with the banking system through the client. The client may include, but is not limited to, an internet banking client application, or a browser client application, which may be installed in the terminal device 101.

The banking system can comprise an online banking system for processing financing requests and a supply chain financial platform, and both can be deployed in the banking system server 103.

The online banking system can acquire current trade information from the ERP of the core enterprise according to the received financing request and carry out financing verification based on the trade information.

And after the supply chain platform passes the financing examination of the webpage bank system, carrying out payment examination and approval according to the examination flow of the supply chain financing platform.

The bank system can also feed back loan information of the trade financing party to the core enterprise, so that the core enterprise can know financing conditions of merchants on and off the supply chain of the core enterprise, and the information transparency of the supply chain system is enhanced.

Fig. 7 schematically shows a flowchart implementation of an application example of the information processing method for financing according to the embodiment of the present disclosure.

With reference to fig. 6 and 7, the application example may include steps S710 to S760.

Step S710: the trade financing party selects a supply chain financing product in an online bank of a commercial bank, a mobile phone bank or based on an API interface system provided by the bank, and enters a financing application page.

Step S720: the online banking system carries out identity authentication based on the basic information and identity media of the trade financing party. After passing the identity authentication, combining the historical operation condition of the trade financing party and the latest trade information to display the current financable trade business list (each trade business combines a financable amount calculation model and a withdrawn amount to display the financable amount according to the state).

The trade financing party may select one or more trade services in the client to initiate a financing application. When the trade financing party selects the trade service, the client can automatically collect and display the current financable maximum limit. And when the application amount recorded by the trade financing party is less than the current financable maximum amount, occupying each trade information this financing amount according to the amount occupation rule set by the model.

Then the online banking system sends the financing application information to the supply chain financial platform in the form of instructions, and simultaneously stores various agreement information (including signature information) signed by the trade financing party to a bank image server. The financing application comprises information such as trade financing party name, certificate number, certificate type, loan amount, loan term, interest rate, loan account number, repayment account number, financing amount occupied by the current application of each trade business of the financing application.

Step S730: and the supply chain financial platform verifies whether the remaining available financing amount of each trade service and the total financing application amount are enough under the current financing application instruction again according to the received financing application instruction information, and stores the remaining available financing amount of each trade service.

Step S740: the supply chain financial platform carries out loan approval process based on information such as rating information of the trade financing party, credit investigation information of the trade financing party, a bank loan approval model and the like, and sends financing instructions passing the verification to a bank host system for loan issuance processing. And if the approval process does not pass, rejecting the financing application of the trade financing party and informing the trade financing party that the financing application is rejected.

Step S750: and after carrying out loan issuance operation, the bank host system returns a loan issuance result to the supply chain financial platform and updates the financing application state.

Step S760: and the supply chain financial platform triggers a loan issuance short message reminding function to remind the trade financing party that the loan is issued.

In this application example, the trading financing party may repeat the above processing steps S720 to S760 based on the same trading service, and the status change of the trading service or the update of the trading information represents that the trading process between the trading financing party and the core enterprise is advanced one step forward, and the withdrawable amount of the trading financing party is increased accordingly.

After financing is issued, a bank loan deposit duration management stage is entered, whether collected element information for financing examination reaches preset early warning conditions or not can be periodically judged, and if yes, alarm information for prompting risks is sent out.

Fig. 8 schematically shows a flow of a method for third party system to fund a loan on behalf of in an information processing method for financing according to an embodiment of the present disclosure.

As shown in fig. 8, in conjunction with fig. 1, the information processing method according to the embodiment of the present disclosure may further include operations S810 to S830 in addition to operations S210 to S240. The method may be performed by, for example, banking system server 103.

In operation S810, a fund payment request for the third-party system to pay funds to the trade financer is received, the fund payment request being used for paying for the trade service.

In operation S820, first loan information and second loan information related to a trading service are acquired.

In operation S830, loans in the first loan information and the second loan information are paid in sequence by using the funds in the request for fund payment according to the sequence of repayment due dates in the first loan information and the second loan information.

According to the embodiment of the disclosure, financing can be repeated for the same trade business for multiple times, so that multiple loan information can be correspondingly generated. When the third-party system pays the trade financing party according to the trade service, the loans in the third-party system can be preferably paid one by one according to the sequence of the plurality of loans.

In practice, when a core enterprise pays its trade financers (e.g., suppliers) for funds corresponding to a trading service, those funds may be prioritized for loans that also trade the financers. In the concrete implementation, when the payment of the core enterprise is used for repayment instead of the payment of the core enterprise, the payment of the core enterprise can be reserved firstly, and then the payment is reserved for repayment according to the sequence of the multiple loans of the trade financing party. If the balance remains after the balance is over, the balance is decomposed and reserved and then transferred to the account of the trade financing party, which can be referred to the schematic of fig. 9.

Fig. 9 schematically shows a flowchart implementation of an application example of the core enterprise refurbishing loan in the information processing method for financing according to the embodiment of the present disclosure.

As shown in fig. 9, the application example may include steps S910 to S960.

Step S910: the core enterprise selects the trade business of the upstream supply chain client in the ERP system of the core enterprise to carry out fund payment, and sends a fund payment request through the bank API interface. The fund payment interface can support the fund payment loan return processing of a plurality of trading services of a plurality of upstream supply chain customers at the same time, and the application example is described in the relevant description of the processing flow of one trading information of one upstream supply chain customer.

Step S920: after receiving the fund payment request, the supply chain financial platform carries out core identity authentication and data tamper-proof verification by combining the information such as certificate information, signature information and the like in the request, and formally enters a fund payment and loan return business processing flow after the verification is passed.

Step S930: and the supply chain financial platform verifies the bank reserved core enterprise payment account set according to the payment account information in the fund payment instruction. If the verification fails, the information of the payment account sent by the core enterprise is directly fed back to the core enterprise, and the information is wrong. And the verification passes through the processes of capital deduction and marking, account transfer, capital reservation, debt reservation and loan return.

Step S940: the method comprises the steps that a supply chain financial platform transfers funds from a payment account of a core enterprise to a repayment account of a borrower for fund reservation processing according to information of trade services and supplier information (a trade financing party is matched with a plurality of loan data lists corresponding to the trade services and performs loan return according to a mode of preferential repayment of the loan data due earlier, the funds are transferred from the payment account of the core enterprise to the repayment account of the borrower for fund reservation processing, fund releasing and reserving and returning loan processing is performed according to the trade information and principal and interest are calculated, and fund is left after loan return, fund releasing and reserving processing is performed, and part of capital clients can freely control.

Step S950: and after carrying out loan return operation, the bank host system returns the loan return result to the supply chain financial platform, and updates the contract and the latest state related to loan lending.

Step S960: and the supply chain financial platform triggers a loan return short message reminding function to remind the client that the loan is returned.

In the application example, the core enterprise repays the multiple loans in sequence aiming at the trade business, so that a trade financing party (generally a supplier of the core enterprise) does not need to set up a supervision account number in a banking business handling bank, the supply chain business can be handled nationwide at one point, and the system is convenient to copy and popularize.

Fig. 10 illustrates a block diagram of an information processing apparatus 1000 for financing according to an embodiment of the present disclosure.

As shown in fig. 10, the information processing apparatus 1000 for financing according to the embodiment of the present disclosure may include a request acquisition module 1010 and a financing amount acquisition module 1020. According to other embodiments of the present disclosure, the apparatus 1000 may further include some or all of a trade information receiving module 1030, an auditing module 1040, and a substitute repayment module 1050. The apparatus 1000 may be used to perform the methods described with reference to fig. 2-4, and 8.

The request obtaining module 1010 may perform operation S210, for example, to obtain first trading information at a first time from a third-party system based on a first financing request initiated by a trade financer at the first time.

The financing amount obtaining module 1020 may, for example, perform operation S220 for obtaining a first financing amount based on the first trade information.

The request obtaining module 1010 may further perform operation S230, for example, to obtain, based on a second financing request initiated by the trade financing party at a second time after the financing audit based on the first financing amount passes, second trade information at the second time from the third-party system; and the second time is later than the first time, and the first trade information and the second trade information are recorded information of the same trade service in different states at different times.

The financing amount obtaining module 1020 may further perform operation S240, for example, and is further configured to obtain a second financing amount based on the second trade information.

The trade information receiving module 1030 is configured to receive update information of the state of the trade service pushed by the third-party system in real time.

The auditing module 1040 may, for example, perform operation S430, configured to perform financing auditing based on the first financing amount, specifically including calculating a first financable maximum amount based on the first financing amount, and generating first loan information when a first application amount requested by the first financing request is lower than the first financable maximum amount, where the first loan information represents that the trading financing party is paid with the first application amount.

The auditing module 1040 may further perform operation S440, for example, to perform financing auditing based on the second financing amount, specifically including calculating a second financable maximum amount based on the second financing amount and the first application amount, where the second financable maximum amount is at least smaller than a difference between the second financing amount and the first application amount, and generating second loan information when the second application amount requested by the second financing request is lower than the second financable maximum amount, where the second loan information represents that the trade financing party is paid by the second application amount.

The substitute repayment module 1050 may perform, for example, operations S810 to S830, and is configured to receive a fund payment request for the core enterprise to pay funds to the trade financer, where the fund payment request is used for paying for the trade service; acquiring first loan information and second loan information related to trade business; and paying loans in the first loan information and the second loan information in sequence by using the funds in the fund payment request according to the sequence of repayment due dates in the first loan information and the second loan information.

Fig. 11 illustrates a block diagram of an information processing apparatus for financing 1100 applied to a client according to an embodiment of the present disclosure.

As shown in fig. 11, the information processing apparatus for financing 1100 according to the embodiment of the present disclosure may include a request module 1110, and a loan information obtaining module 1120. The apparatus 1100 may be disposed in the terminal device 101, and is applied to a client for implementing the method described with reference to fig. 5.

The request module 1110 may perform, for example, operation S510 for initiating a first financing request at a first time, the first financing request for applying for a loan based on the first trade information.

The loan information obtaining module 1120 may perform operation S520, for example, to obtain a first financing amount determined based on the first trade information.

The requesting module 1110 may further perform operation S530, for example, to initiate a second financing request at a second time, where the second financing request is used for applying for a loan of a second applied amount based on second trade information, and the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times.

The loan information obtaining module 1120 may further perform operation S540, for example, to obtain a second financing amount determined based on the second trade information.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any number of the request acquisition module 1010, the financing amount acquisition module 1020, the trade information receiving module 1030, the auditing module 1040, the substitute repayment module 1050, the request module 1110, and the loan information acquisition module 1120 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the disclosure, at least one of the request obtaining module 1010, the financing amount obtaining module 1020, the trade information receiving module 1030, the auditing module 1040, the repayment module 1050, the request module 1110, and the loan information obtaining module 1120 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or any suitable combination of any of them. Alternatively, at least one of the request acquisition module 1010, the financing amount acquisition module 1020, the trade information receiving module 1030, the auditing module 1040, the substitute repayment module 1050, the request module 1110, and the loan information acquisition module 1120 may be at least partially implemented as a computer program module that, when executed, may perform corresponding functions.

FIG. 12 schematically illustrates a block diagram of a computer system 1200 suitable for implementing an information processing method for financing in accordance with an embodiment of the present disclosure. The computer system 1200 shown in fig. 12 is only an example and should not bring any limitations to the functionality or scope of use of the embodiments of the present disclosure.

As shown in fig. 12, a computer system 1200 according to an embodiment of the present disclosure includes a processor 1201, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1202 or a program loaded from a storage section 1208 into a Random Access Memory (RAM) 1203. The processor 1201 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1201 may also include on-board memory for caching purposes. The processor 1201 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM1203, various programs and data necessary for the operation of the computer system 1200 are stored. The processor 1201, the ROM 1202, and the RAM1203 are connected to each other by a bus 1204. The processor 1201 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1202 and/or the RAM 1203. Note that the programs may also be stored in one or more memories other than the ROM 1202 and the RAM 1203. The processor 1201 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Computer system 1200 may also include an input/output (I/O) interface 1205, according to an embodiment of the disclosure, input/output (I/O) interface 1205 also connected to bus 1204. The system 1200 may also include one or more of the following components connected to the I/O interface 1205: an input section 1206 including a keyboard, a mouse, and the like; an output portion 1207 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 1208 including a hard disk and the like; and a communication section 1209 including a network interface card such as a LAN card, a modem, or the like. The communication section 1209 performs communication processing via a network such as the internet. A driver 1210 is also connected to the I/O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is mounted on the drive 1210 as necessary, so that a computer program read out therefrom is mounted into the storage section 1208 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 1209, and/or installed from the removable medium 1211. The computer program, when executed by the processor 1201, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 1202 and/or the RAM1203 and/or one or more memories other than the ROM 1202 and the RAM1203 described above.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. An information processing method for financing, comprising:

acquiring first trade information at a first moment from a third-party system based on a first financing request initiated by a trade financing party at the first moment;

obtaining a first financing amount based on the first trade information;

after the financing examination based on the first financing amount passes, acquiring second trade information at a second moment from the third-party system based on a second financing request initiated by the trade financing party at the second moment; the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times; and

and obtaining a second financing amount based on the second trade information.

2. The method of claim 1, wherein,

if the first trade information is different from the second trade information, the first financing amount is different from the second financing amount; or

And if the first trade information is the same as the second trade information, the first financing amount is the same as the second financing amount.

3. The method of claim 1, wherein the obtaining the first and second trade information from the third-party system comprises:

and receiving the updated information of the state of the trade service pushed by the third-party system in real time.

4. A method according to any one of claims 1 to 3, wherein:

the state of the trade business comprises any one of pending execution, stock, shipped, invoiced, received, checked, received, pending payment, post trade, or clearing of a bill;

the recorded information comprises bill information or bill information corresponding to the state of the trade service in the circulation process of the trade service.

5. The method of claim 4, wherein the method further comprises conducting a financing review based on the first financing amount, comprising:

calculating a first financable maximum amount based on the first financing amount;

and when the first applied amount requested by the first financing request is lower than the first financable maximum amount, generating first loan information, wherein the first loan information represents that the trading financing party is paid with the first applied amount.

6. The method of claim 5, wherein the method further comprises conducting a financing review based on the second financing amount, comprising:

calculating a second financable highest amount based on the second financing amount and the first application amount, wherein the second financable highest amount is at least smaller than the difference between the second financing amount and the first application amount;

and when the second applied amount requested by the second financing request is lower than the second financable maximum amount, generating second loan information, wherein the second loan information represents that the trade financing party is released with the second applied amount.

7. The method of claim 6, wherein the method further comprises:

receiving a fund payment request of the third-party system for paying funds to the trade financer, wherein the fund payment request is used for paying the trade business;

acquiring the first loan information and the second loan information related to the trade service; and

and paying loans in the first loan information and the second loan information in sequence by using the funds in the fund payment request according to the sequence of repayment due dates in the first loan information and the second loan information.

8. An information processing method for financing, which is applied to a client and comprises the following steps:

initiating a first financing request at a first time, wherein the first financing request is used for applying for loan based on first trade information;

obtaining a first financing amount determined based on the first trade information;

after the first financing request is approved, initiating a second financing request at a second moment, wherein the second financing request is used for applying for loan based on second trade information, the second moment is later than the first moment, and the first trade information and the second trade information are recorded information of states of the same trade service at different moments; and

obtaining a second financing amount determined based on the second trade information.

9. The method of claim 8, wherein,

10. An information processing apparatus for financing, comprising:

the system comprises a request acquisition module, a first-party system and a second-party system, wherein the request acquisition module is used for acquiring first trade information at a first moment from the third-party system based on a first financing request initiated by a trade financing party at the first moment;

the financing amount obtaining module is used for obtaining a first financing amount based on the first trade information;

the request acquisition module is further used for acquiring second trade information at a second moment from the third-party system based on a second financing request initiated by the trade financing party at the second moment after the financing audit based on the first financing amount passes; the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times; and

the financing amount obtaining module is further used for obtaining a second financing amount based on the second trade information.

11. An information processing apparatus for financing, applied to a client, wherein the apparatus comprises:

the system comprises a request module, a first financing module and a second financing module, wherein the request module is used for initiating a first financing request at a first moment, and the first financing request is used for applying for loan based on first trade information;

the loan information obtaining module is used for obtaining a first financing amount determined based on the first trade information;

the request module is further configured to initiate a second financing request at a second time, where the second financing request is used for applying for loan based on second trade information, the second time is later than the first time, and the first trade information and the second trade information are recorded information of states of the same trade service at different times;

the loan information obtaining module is further used for obtaining a second financing amount determined based on the second trade information.

12. An information processing system for financing comprising:

one or more memories having stored thereon computer-executable instructions;

one or more processors that execute the instructions to implement:

the method according to any one of claims 1 to 7; or

The method of any one of claims 8 to 9.

13. A computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform:

the method according to any one of claims 1 to 7; or

The method of any one of claims 8 to 9.