TW201743270A - Method and system of continually dynamically financing - Google Patents

Abstract

The present invention provides a method and system of continually dynamically financing. The invention includes receiving pre-trade transaction data and a first financing request; determining a first credit parameter according to the pre-trade transaction data and a first parameter; determining a first financing value according to the first credit parameter and a current financing value; determining first financing service according to the first financing value and a first request financing value; receiving transaction data after the transaction and a second financing request; determining a second credit parameter according to transaction data after the transaction and a second parameter; determining a second financing value according to the second credit parameter and a current financing value; determining second financing service according to the second financing value and a second request financing value.

Description

Continuous dynamic financing method and system

The invention relates to the technical field of financial financing, in particular to a continuous dynamic credit financing method and system.

Banks providing financing or related financial transactions (including accounts receivable) are often accompanied by risks. The well-known risk management measures set different limit limits for different objects. Take accounts receivable as an example, mainly in setting The upper limit of the amount of transactions for various types of accounts receivable dealers (buyers) ensures that each transaction is conducted under different quota limits. Among them, the quota limit is mainly based on the amount of assets of the transaction object, such as the weighted income of the existing assets and future assets of the transaction object. That is to say, in the prior art, the upper limit of the amount of the assets of the transaction object is calculated.

The upper limit of the amount of the risk control method is a fixed value and does not change with the transaction. For example, when the accounts receivable is renewed, the above limit will not be adjusted according to past usage and repayment records. It is relatively fixed and conservative, and lacks credit components. In addition, for trade financing, it is impossible to respond to the actual credit status and meet the loan fund demand according to the status of each transaction.

For example, traditional financing starts with a fixed ceiling based on the customer's asset status. After the customer's transaction, the seller will finance the financial institution with the accounts receivable generated by the invoice after the shipment within the quota approved by the financial institution. If the amount of the seller's accounts receivable is greater than the fixed amount limit, the amount of financing cannot be obtained. In addition, if the seller needs to produce the goods before the delivery of the goods, or the buyer’s funds for ordering the goods, if the amount is greater than the financial institution’s approval of the fixed amount limit, the financing of the amount cannot be obtained and the transaction cannot be carried out. . Therefore, financial institutions use the above-mentioned fixed-cap limit to often deal with customers' trading status (order, production, shipment, invoice, receipt) and customer historical data transactions. Status and actual needs.

In view of the above, it is necessary to provide a continuous dynamic credit financing method and system, which can change the financing amount according to the transaction status, and can instantly and effectively reflect the customer's condition and meet the customer's demand under the controllable risk.

A continuous dynamic credit financing method is applied to an electronic device, where the electronic device performs data interaction with a client, the method comprising: receiving transaction information and a first financing request sent by the client before the transaction; Calculating the first quota parameter by using the transaction data before the transaction and the first parameter stored in the transaction database, and calculating the first financing quota according to the first quota parameter and the current financing amount stored in the quota database; according to the first financing in the first financing request The first financing service is determined according to the first financing parameter; the first parameter stored in the transaction database is updated according to the first quota parameter, and the current financing amount stored in the quota database is updated according to the first financing quota; Transaction data and second financing request sent by the client; calculating a second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database, and according to the second quota parameter and the Calculating the second financing amount in the updated current financing amount in the quota database; according to the second The second financing request amount and the second financing amount included in the request for financing determine the second financing service; and updating the second parameter stored in the transaction database according to the second quota parameter, and updating the second financing amount according to the second financing amount Updated current financing limit.

A continuous dynamic credit financing system, running in an electronic device, the electronic device interacting with a client, the system comprising: a transaction data receiving module, configured to receive transaction data before the transaction sent by the client And a first financing request; the quota trial module is configured to calculate a first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database, and calculate according to the first quota parameter and the current financing amount stored in the quota database a first financing amount; the financing module is configured to determine a first financing service according to the first financing request amount and the first financing amount in the first financing request; the transaction data receiving module is further configured to use the first quota The parameter updates the first parameter stored in the transaction database, and updates the current financing amount stored in the quota database according to the first financing quota; the transaction data receiving module is further configured to receive the transaction sent by the client Transaction data and a second financing request; the quota trial module is further configured to use the transaction information after the transaction and Calculating a second quota parameter according to the second parameter stored in the transaction database, and calculating a second financing quota according to the second quota parameter and the updated current financing amount in the quota database; the financing module is further used according to the second financing The second financing request amount and the second financing amount included in the request determine the second financing service; and the transaction data receiving module is further configured to update the second parameter stored in the transaction database according to the second quota parameter, according to The second financing amount updates the updated current financing amount.

Compared with the prior art, the financing party can upload transaction materials (transaction materials before the transaction, such as order documents, transaction data after the transaction, such as invoice bills, etc.) to the electronic device for each transaction. The present invention is directed to the transaction, and adjusts the financing amount according to the pre-transaction data and the data in the transaction database to provide a financing service to the financing party. Then adjust the financing amount according to the transaction information after the transaction and the repayment of the previous financing service, and provide another financing service to the financing party. Therefore, the present invention can change the financing amount by order, production, shipment, invoice, receipt, etc. according to the transaction status, and can instantly and effectively reflect the customer's condition and meet the customer's demand under the controllable risk.

1 is a schematic diagram of an application environment of a preferred embodiment of a continuous dynamic credit financing system of the present invention.

2 is a flow chart of a preferred embodiment of the continuous dynamic credit financing method of the present invention.

Referring to FIG. 1, a schematic diagram of an application environment of a preferred embodiment of a continuous dynamic credit financing system. In the embodiment, the application environment diagram includes a quota database 100, a transaction database 200, a continuous dynamic credit financing system 300 (hereinafter referred to as "financing system"), a client 400, and an electronic device 500. The financing system 300 includes a quota trial module 310, a financing module 320, and a transaction data receiving module 330. The electronic device 500 includes a storage device 501 and a processing device 502.

The quota database 100 is used by the storage financing system 300 to calculate the financing amount based on the transaction data of the financing party (buyer, seller). The transaction information includes transaction information before the transaction and invoice data after the transaction. The financing amount is as follows: the first financing amount and the second financing amount.

The transaction database 200 is configured to store the transaction data sent by the client 400 received by the financing system 300, and store the credit parameters calculated according to the transaction data. The quota parameter is subsequently used to calculate the financing amount, such as the first quota parameter and the second quota parameter as follows. The quota database 100 and the transaction database 200 may be located in a storage device of the electronic device 500 or may be located in other storage devices.

The financing system 300 can be installed and operated in the electronic device 500. The electronic device 500 can also be installed with other system software of a financial institution or the like. The electronic device 500 is a device capable of automatically performing numerical calculation and/or information processing according to an instruction set or stored in advance, and the hardware includes, but not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA), Digital Signal Processor (DSP), embedded devices, etc. The electronic device 500 includes, but is not limited to, a single network server, a server group composed of a plurality of network servers, or a Cloud Computing-based cloud composed of a large number of hosts or network servers, wherein the cloud Computation is a type of distributed computing, a super-virtual computer consisting of a cluster of loosely coupled computers.

The client 400 can be a personal computer, a tablet, a smart phone, a Personal Digital Assistant (PDA), or the like. The financing party can upload the transaction data through the client 400.

In this embodiment, the storage device 501 is used for the program code of each program segment in the financing system 10. The storage device 501 can be a storage device such as a smart media card, a secure digital card, or a flash card.

The processing device 502 can be comprised of one or more microprocessors, digital processors.

The financing system 300 enables the financing party to upload transaction materials (transaction materials before the transaction, such as order documents, transaction data after the transaction, such as invoice tickets, etc.) to the electronic device 500 for each transaction. The present invention is directed to the transaction, and adjusts the financing amount according to the pre-trade data and the data in the transaction database 200 to provide a financing service to the financing party. Then adjust the financing amount according to the transaction information after the transaction and the repayment of the previous financing service, and provide another financing service to the financing party. Therefore, the present invention can change the financing amount by order, production, shipment, invoice, receipt, etc. according to the transaction status, and can instantly and effectively reflect the customer's condition and meet the customer's demand under the controllable risk.

2 is a flow chart of a preferred embodiment of the continuous dynamic credit financing method of the present invention. The order of the steps in the flowchart may be changed according to different requirements, and some steps may be omitted.

S10. The financing system 300 receives the pre-transaction transaction data and the first financing request sent by the client 400.

In this embodiment, the first financing request includes, but is not limited to, a first financing request amount, a first financing time period, a first financing repayment condition, a financing party basic information, and a first financing request date, and the like. Relevant information.

The pre-transaction transaction data includes an order document within a first preset time period. The first preset time period is a time period before the first financing request date. For example, the first financing request date is July 30, and the first preset time period is from May 30 to July 30.

The financing system 300 provides a user interface through which the pre-transaction transaction data and the first financing request can be input. For example, the financing system 300 provides a website address of the webpage corresponding to the user interface to the financing party, and the financing party views the user interface by inputting a web address corresponding to the webpage of the user interface on the client 400. Of course, data exchange between the client 400 and the financing system 300 in the electronic device 500 can also be implemented through other application programming interfaces (APIs).

S11, the financing system 300 calculates a first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database 200, and calculates according to the first quota parameter and the current financing amount stored in the quota database 100. The first financing amount.

In this embodiment, the first parameter stored in the transaction database 200 includes at least one or more of the following: an order quantity corresponding to the financing party, an average order price, an order profit, an order quantity growth rate, an average order price growth rate, and an order. Profit growth rate and so on. The first parameter stored in the transaction database 200 is periodically updated according to the transaction data uploaded by the financing party.

In this embodiment, the financing system 300 obtains a valid order document according to the order document in the first preset time period, and then calculates the first quota parameter according to the valid order document. The first quota parameter includes at least one or more of the following: effective order quantity, effective order average price, effective order profit, effective order quantity growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average The growth rate of the price growth rate, the effective order profit growth rate and the growth rate of the effective order profit growth rate. The first quota parameter may be a negative value and may be a positive value. Each order document includes at least one or more of the following: an order quantity, an order price corresponding to the order quantity, and a cost price corresponding to the order quantity.

The method for obtaining the valid order document by the financing system 300 according to the order document in the first preset time period is as follows: calculating an average order quantity according to the order quantity of the order document in the first preset time period, and setting according to the average order quantity A range of order quantities. If the order quantity of the order document is within the order quantity, the financing system 300 determines that the order document is a valid document. In this way, it can avoid that the order quantity is too small or the order quantity is too large, which brings a large error to the calculation of the financing amount.

The financing system 300 calculates the first quota parameter according to the valid order document in the first preset time period and the first parameter stored in the transaction database 200, as follows:

The effective order quantity is calculated according to the valid order document in the first preset time period, and the effective order quantity is compared with the order quantity stored in the transaction database 200, and the effective order quantity growth rate is calculated. The growth rate of the effective order growth rate is calculated according to the effective order quantity growth rate and the order quantity growth rate stored in the transaction database 200.

Calculating the effective order average price according to the valid order document in the first preset time period, and comparing the effective order average price with the average price of the order stored in the transaction database 200, and calculating the effective order average price growth rate. Calculating a growth rate of the effective order average price growth rate according to the effective order average price growth rate and the average price growth rate of the order stored in the transaction database 200.

Calculating the effective order profit according to the valid order document in the first preset time period, and comparing the effective order profit with the order profit stored in the transaction database 200, and calculating the effective order profit growth rate. The growth rate of the effective order profit growth rate is calculated based on the effective order profit growth rate and the order profit growth rate stored in the transaction database 200.

In this embodiment, the transaction database 200 stores the current financing amount. The pre-financing amount will be updated regularly based on the transaction data uploaded by the financier. The quota trial module 310 calculates the first financing amount according to the first quota parameter and the current financing amount stored by the quota database 100.

In this embodiment, each of the first quota parameters corresponds to one weight. The specific calculation formula of the financing system 300 for calculating the first financing amount is as follows:

First financing amount = current financing amount * { [(weight of effective order quantity growth rate * (1 + effective order quantity growth rate)] + [ (weight of corresponding growth rate of effective order growth rate * (1 + effective order) Growth rate growth rate)] + [(weight of effective order average price growth rate* (1+ effective order average price growth rate)] + [(weight of corresponding effective rate growth rate of the effective order *) Growth rate of effective order average price growth rate)] + [(weight of effective order profit growth rate*(1+effective order profit growth rate)] + [(weight of corresponding order growth rate growth rate*(1 + Growth rate of effective order profit growth rate)]}.

In other embodiments, the financing system 300 may also calculate the first financing amount by using the following formula: the first financing amount = the current financing amount * { [(the effective order amount growth rate corresponding weight * (1 + effective order) Volume growth rate)] + [(weight of growth rate corresponding to growth rate of effective order growth rate*(1+ growth rate of effective order growth rate)] + [(weight of corresponding order profit growth rate*) (1+ effective order profit growth Rate)] + [(The weight of the growth rate of the effective order profit growth rate* (1 + growth rate of effective order profit growth rate)]}.

In other embodiments, the pre-transaction transaction data may further include a certificate of repayment of the third-party secured financing party, a certificate of the financing party purchasing insurance from the insurance company for the transaction, and the like. Therefore, the first quota parameter may also include a parameter associated with the proof that the financing party will repay, and a parameter associated with the financing policy to purchase insurance from the insurance company for the transaction, which may be subsequently used. Calculate the first financing amount.

In other embodiments, when the first financing quota is calculated by using the first quota parameter, it is not limited to the first quota parameter used in the above calculation formula, and the financing system 300 may be based on the transaction data submitted by the financing party. Make adjustments.

S12. The financing system 300 determines the first financing service according to the first financing request amount and the first financing amount in the first financing request.

In this embodiment, when the first financing request amount is less than or equal to the first financing amount, the financing system 300 provides the financing party with the first financing service based on the first financing request amount. Specifically, the financing system 300 provides a financing service user interface, and provides other financial service functions such as reviewing the approval progress, viewing the approval amount, and online transfer on the financing service user interface. Through the financing service user interface, the financing party may select an online transfer or the like, and the financing system 300 transfers the first financing request amount to the account according to an account entered by the financing party at the financing service user interface. And generate electronic payment notes including bank digital signatures and so on.

In this embodiment, the financing system 300 determines the total repayment period corresponding to the first financing request amount, the repayment period of each period, and the repayment amount of each period according to the first financing request amount. When the financing party applies for financing from the financial institution, the financing system dynamically adjusts the financing amount of the financing party according to the repaid amount corresponding to the first financing request amount and the repayment period.

When the first financing request amount is greater than the first financing amount, the financing system 300 sends an alert message to the client 400, prompting the financing party that the first financing request is not approved.

S13. The financing system 300 updates the first parameter stored in the transaction database 200 according to the first quota parameter, and updates the current financing amount stored in the quota database 100 according to the first financing quota.

In this embodiment, the order quantity corresponding to the financing party stored in the transaction database 200 is updated according to the effective order quantity in the first quota parameter; and the transaction database 200 is updated according to the effective order quantity growth rate in the first quota parameter. The stored order amount growth rate corresponding to the financing party, etc., similarly updates the first parameter stored in the transaction database 200. The first parameter stored in the transaction database 200 and the current financing amount stored in the quota database 100 are updated, so that the subsequent financing can be continuously and dynamically financed.

In this embodiment, the financing system 300 further receives repayment information of the financing party for the first financing request amount. The repayment information includes the repaid amount, the repayment time, and the like. The financing system 300 updates the repaid amount corresponding to the first financing request amount and the on-time repayment period corresponding to the first financing request amount in the transaction database 200 according to the repayment information.

S14. The financing system 300 receives the transaction information and the second financing request sent by the client 400.

In this embodiment, the second financing request includes at least one or more of the following: a second financing request amount, a second financing time period, a second financing repayment condition, a financing party basic information, a second financing request date, and the like. Financing related information.

The transaction information after the transaction includes an invoice ticket within a second preset time period. The second preset time period is before the second financing request date.

S15. The financing system 300 calculates a second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database 200, and according to the second quota parameter and the updated current financing in the quota database 100. The amount of the second financing amount is calculated.

In this embodiment, the second parameter stored in the transaction database 200 includes at least one or more of the following: the number of invoice customers corresponding to the financing party, the invoice quantity, the invoice quantity growth rate, the growth rate of the invoice quantity growth rate, and the invoice average. Amount, invoice average amount growth rate, invoice average amount growth rate growth rate, invoice remaining amount, invoice remaining amount growth rate, invoice remaining amount growth rate growth rate, invoice balance, invoice balance growth rate, and first financing request The amount of repayment corresponding to the amount, the number of repayment periods corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount, and the like. The second parameter stored in the transaction database 200 is periodically updated according to the invoice data uploaded by the financing party. Each invoice ticket includes at least one or more of the following: the customer of the invoice, the amount of the invoice, and the validity period of the invoice. The invoice balance refers to the invoice amount minus the financing amount of the invoice, and the remaining amount of the invoice refers to the number of invoices that have not expired.

In this embodiment, the financing system 300 obtains a valid invoice ticket according to the invoice ticket in the second preset time period, and then calculates the second quota parameter according to the valid invoice ticket. The second quota parameter includes at least one or more of the following: an effective invoice average amount, an invoice customer quantity, a valid invoice quantity, a valid invoice quantity growth rate, a growth rate of a valid invoice quantity growth rate, an effective invoice average amount, and an effective invoice average amount. Growth rate, growth rate of effective invoice average amount growth rate, effective invoice remaining amount, effective invoice residual growth rate, effective invoice residual growth rate growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the current repayment period corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount. The second credit parameter may be a negative value and may be a positive value.

The method for obtaining the valid invoice by the financing system 300 according to the invoice ticket in the second preset time period is as follows: calculating the effective invoice average amount according to the amount of the invoice ticket in the second preset time period, according to the effective invoice average amount setting A range of amounts. If the amount of the invoice ticket is within the amount range, the financing system 300 determines that the invoice ticket is a valid invoice. In this way, it can avoid that the invoice amount is too small or the invoice amount is too large, which brings a large error to the calculation of the financing amount.

In this embodiment, the financing system 300 calculates the second quota parameter according to the valid invoice in the second preset time period and the second parameter stored in the transaction database 200, as follows:

The number of invoice customers is calculated according to the invoice ticket in the second preset time period, and the number of valid invoice customers and the effective invoice amount and the valid invoice balance are calculated according to the valid invoice in the second preset time period. The valid invoice balance refers to the amount of the valid invoice minus the financing amount of the valid invoice.

The invoice customer number growth rate is calculated by comparing the number of invoice customers with the number of invoice customers stored in the transaction database 200.

The effective invoice amount is compared with the invoice amount stored in the transaction database 200, and the effective invoice amount growth rate is calculated. The growth rate of the effective invoice amount growth rate is calculated based on the effective invoice amount growth rate and the invoice amount growth rate stored in the transaction database 200.

The effective invoice average amount is compared with the average amount of the invoice stored in the transaction database 200, and the effective invoice average amount price growth rate is calculated. The growth rate of the effective invoice average amount growth rate is calculated according to the invoice average amount growth rate and the invoice average amount growth rate stored in the transaction database 200.

The remaining amount of the valid invoice is obtained according to the validity period of the valid invoice, and the remaining amount of the valid invoice is compared with the remaining amount of the invoice stored in the transaction database 200, and the growth rate of the remaining amount of the valid invoice is calculated. The growth rate of the effective invoice remaining amount growth rate is calculated based on the effective invoice remaining amount growth rate and the invoice remaining amount growth rate stored in the transaction database 200.

The effective invoice balance is compared with the valid invoice balance stored in the transaction database 200 to calculate a valid invoice balance growth rate. The growth rate of the effective invoice balance growth rate is calculated based on the effective invoice balance growth rate and the effective invoice balance growth rate stored in the transaction database 200.

Repaying the repaid amount corresponding to the first financing request amount in the second credit parameter according to the repaid amount corresponding to the first financing request amount stored in the transaction database 200; storing the first amount according to the transaction database 200 The number of on-time repayment periods corresponding to the first financing amount in the second quota parameter is updated according to the number of on-time repayment periods corresponding to the financing amount; and the total repayment period corresponding to the first financing request amount stored in the transaction database 200 The number updates the total number of repayment periods corresponding to the first financing request amount in the second quota parameter.

In this embodiment, each of the second quota parameters corresponds to one weight. The specific calculation formula of the financing system 300 for calculating the second financing amount is as follows:

The second financing amount = the current financing amount after the update * { [(the weight of the invoice customer growth rate * (1 + invoice customer number growth rate)] + [ (the effective invoice amount growth rate corresponding weight * (1 + effective Invoice volume growth rate)] + [(weight of growth rate corresponding to growth rate of effective invoice amount*(1+ growth rate of effective invoice amount growth rate)] + [(weight of corresponding effective amount of growth of average invoice*(1+) Effective invoice average amount growth rate)] + [(weight of growth rate of effective invoice average growth rate* (1+ growth rate of effective invoice average amount growth rate)] + [(weight of effective invoice remaining amount growth rate) *(1+ effective invoice remaining amount growth rate)] + [(weight of corresponding growth rate of growth rate of remaining invoices*(1+ growth rate of effective invoice residual growth rate)] + [(effective invoice balance growth rate) Corresponding weight* (1+ effective invoice balance growth rate)] + [(weight of growth rate of effective invoice balance growth rate* (1+ growth rate of effective invoice balance growth rate)] + [1 + (with first The amount of repayment corresponding to the amount of financing request / First Rong The amount of capital)] + [1 + (the number of on-time repayment periods corresponding to the first financing request amount / the total repayment period corresponding to the first financing request amount)] }.

In other embodiments, the post-transaction transaction data may further include a certificate of repayment of the third-party secured financing party, a certificate of the financing party purchasing insurance from the insurance company for the transaction, and the like. Therefore, the second quota parameter may also include a parameter associated with the proof of the financing party's repayment, a parameter associated with the financing party's proof of purchasing insurance from the insurance company for the transaction, which may be used to calculate the second. Financing quota.

In other embodiments, when the second financing amount is calculated by using the second quota parameter, it is not limited to the second quota parameter used in the above calculation formula, and the financing system 300 may be based on the transaction data submitted by the financing party. Make adjustments.

S16. The financing system 300 determines the second financing service according to the second financing request amount and the second financing amount included in the second financing request.

In this embodiment, when the second financing request amount is less than or equal to the second financing amount, the financing system 300 provides the financing party with the second financing service based on the second financing request amount. Specifically, the financing system 300 provides a financing service user interface, and provides functions such as approval progress, approval amount, and online transfer in the financing service user interface. Through the financing service user interface, the financing party may select an online transfer or the like, and the financing system 300 transfers the second financing request amount to the account according to the account entered by the financing party at the financing service user interface. And generate electronic payment notes including bank digital signatures and so on.

In this embodiment, the financing system 300 determines the total repayment period corresponding to the second financing request amount, the repayment period of each period, and the repayment amount of each period according to the second financing request amount. When the financing party applies for financing from the financial institution, the financing system dynamically adjusts the financing amount of the financing party according to the repaid amount corresponding to the second financing request amount and the repayment period.

When the second financing request amount is greater than the second financing amount, the financing system 300 sends an alert message to the client 400, prompting the financing party that the second financing request is not approved.

S17. The financing system 300 updates the second parameter stored in the transaction database 200 according to the second quota parameter, and updates the updated current financing amount according to the second financing amount.

In this embodiment, the invoice amount corresponding to the financing party stored in the transaction database 200 is updated according to the valid invoice quantity in the second quota parameter; and the transaction database 200 is updated according to the effective invoice quantity growth rate in the second quota parameter. The stored invoice amount growth rate corresponding to the financing party, etc., similarly updates the second parameter stored in the transaction database 200. The current financing amount stored by the quota database 100 is updated to the second financing amount. The second parameter stored in the transaction database 200 and the current financing amount stored in the quota database 100 are updated, so that the subsequent financing can be dynamically and continuously financed.

In this embodiment, the financing system 300 further receives repayment information of the financing party for the first financing amount. The repayment information includes the repaid amount, the repayment time, and the like. The financing system 300 updates the repaid amount corresponding to the first financing request amount and the on-time repayment period corresponding to the first financing request amount in the transaction database 200 according to the repayment information.

Through the present invention, the financing party can upload transaction materials (transaction materials before the transaction, such as order documents, transaction data after the transaction, such as invoice tickets, etc.) to the electronic device 500 for each transaction. The present invention is directed to the transaction, and adjusts the financing amount according to the pre-trade data and the data in the transaction database 200 to provide a financing service to the financing party. Then adjust the financing amount according to the transaction information after the transaction and the repayment of the previous financing service, and provide another financing service to the financing party. Therefore, the present invention can change the financing amount by order, production, shipment, invoice, receipt, etc. according to the transaction status, and can instantly and effectively reflect the customer's condition and meet the customer's demand under the controllable risk.

In the first application scenario of the present invention, when the financing party is a buyer, the buyer submits the transaction data before the transaction in the form of a buyer's order payment guarantee, and for the transaction, the financing system 300 adjusts the financing amount according to the order document in the buyer's order payment guarantee. To provide the buyer with the first financing service. After the buyer obtains the goods by using the amount obtained by the financing, and sells the goods, the invoice data after the transaction is uploaded to the electronic device 500, and the financing system 300 is based on the repayment status of the first financing service and after the transaction. The invoice data dynamically adjusts the financing amount and then provides the buyer with a financing service.

In the application scenario 2 of the present invention, when the financing party is a seller, the seller submits the transaction data before the transaction in the form of an order payment guarantee, and for the transaction, the financing system 300 provides the seller with the first order document according to the order payment guarantee. Secondary financing services are used for production. After the seller produces the shipment and sells the shipment, the invoice data after the transaction is uploaded to the electronic device 500, and the financing system 300 dynamically adjusts according to the repayment status of the first financing service and the invoice data after the transaction. The financing amount will be provided to the seller for a financing service.

As shown in FIG. 1 , the financing system 300 includes a quota trial module 310 , a financing module 320 , and a transaction data receiving module 330 . The module referred to in the present invention refers to a series of computer programs that can be executed by the processing device 14 and that can perform fixed functions, which are stored in the storage device 13. In the present embodiment, the functions of the respective modules will be described in detail in the subsequent embodiments.

The transaction data receiving module 330 is configured to receive the transaction data and the first financing request sent by the client 400 before the transaction.

In this embodiment, the first financing request includes, but is not limited to, a first financing request amount, a first financing time period, a first financing repayment condition, a financing party basic information, and a first financing request date, and the like. Relevant information.

The pre-transaction transaction data includes an order document within a first preset time period. The first preset time period is a time period before the first financing request date. For example, the first financing request date is July 30, and the first preset time period is from May 30 to July 30.

The financing system 300 provides a user interface through which the pre-transaction transaction data and the first financing request can be input. For example, the financing system 300 provides a website address of the webpage corresponding to the user interface to the financing party, and the financing party views the user interface by inputting a web address corresponding to the webpage of the user interface on the client 400. Of course, data exchange between the client 400 and the financing system 300 in the electronic device 500 can also be implemented through other application programming interfaces (APIs).

The quota trial module 310 is configured to calculate a first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database 200, and according to the first quota parameter and the current financing quota stored by the quota database 100 Calculate the first financing amount.

In this embodiment, the first parameter stored in the transaction database 200 includes at least one or more of the following: an order quantity corresponding to the financing party, an average order price, an order profit, an order quantity growth rate, an average order price growth rate, and an order. Profit growth rate and so on. The first parameter stored in the transaction database 200 is periodically updated according to the transaction data uploaded by the financing party.

In this embodiment, the quota trial module 310 obtains a valid order document according to the order document in the first preset time period, and then calculates the first quota parameter according to the valid order document. The first quota parameter includes at least one or more of the following: effective order quantity, effective order average price, effective order profit, effective order quantity growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average The growth rate of the price growth rate, the effective order profit growth rate and the growth rate of the effective order profit growth rate. The first quota parameter may be a negative value and may be a positive value. Each order document includes at least one or more of the following: an order quantity, an order price corresponding to the order quantity, and a cost price corresponding to the order quantity.

The method for obtaining the valid order document by the quota trial calculation module 310 according to the order document in the first preset time period is as follows: calculating an average order quantity according to the order quantity of the order document in the first preset time period, according to the average order quantity The quantity sets an order quantity range. If the order quantity of the order document is within the order quantity, the quota trial module 310 determines that the order document is a valid document. In this way, it can avoid that the order quantity is too small or the order quantity is too large, which brings a large error to the calculation of the financing amount.

The quota trial module 310 calculates the first quota parameter according to the valid order document in the first preset time period and the first parameter stored in the transaction database 200, as follows:

The effective order quantity is calculated according to the valid order document in the first preset time period, and the effective order quantity is compared with the order quantity stored in the transaction database 200, and the effective order quantity growth rate is calculated. The growth rate of the effective order growth rate is calculated according to the effective order quantity growth rate and the order quantity growth rate stored in the transaction database 200.

Calculating the effective order average price according to the valid order document in the first preset time period, and comparing the effective order average price with the average price of the order stored in the transaction database 200, and calculating the effective order average price growth rate. Calculating a growth rate of the effective order average price growth rate according to the effective order average price growth rate and the average price growth rate of the order stored in the transaction database 200.

Calculating the effective order profit according to the valid order document in the first preset time period, and comparing the effective order profit with the order profit stored in the transaction database 200, and calculating the effective order profit growth rate. The growth rate of the effective order profit growth rate is calculated based on the effective order profit growth rate and the order profit growth rate stored in the transaction database 200.

In this embodiment, the transaction database 200 stores the current financing amount. The pre-financing amount will be updated regularly based on the transaction data uploaded by the financier. The quota trial module 310 calculates the first financing amount according to the first quota parameter and the current financing amount stored by the quota database 100.

In this embodiment, each of the first quota parameters corresponds to one weight. The specific calculation formula for calculating the first financing amount by the quota trial module 310 is as follows:

First financing amount = current financing amount * { [(weight of effective order quantity growth rate * (1 + effective order quantity growth rate)] + [ (weight of corresponding growth rate of effective order growth rate * (1 + effective order) Growth rate growth rate)] + [(weight of effective order average price growth rate* (1+ effective order average price growth rate)] + [(weight of corresponding effective rate growth rate of the effective order *) Growth rate of effective order average price growth rate)] + [(weight of effective order profit growth rate*(1+effective order profit growth rate)] + [(weight of corresponding order growth rate growth rate*(1 + Growth rate of effective order profit growth rate)]}.

In other embodiments, the calculation formula 310 of the quota calculation module 310 may also adopt the following calculation formula: the first financing quota=the current financing amount* { [(the effective order amount growth rate corresponding weight*(1+) Effective order volume growth rate)] + [ (weight ratio corresponding to growth rate of effective order growth rate* (1+ growth rate of effective order growth rate)] + [(weight of corresponding order profit growth rate*) (1+ effective order Profit growth rate)] + [(The weight of the effective order profit growth rate corresponding to the growth rate * (1 + growth rate of effective order profit growth rate)]}.

In other embodiments, the pre-transaction transaction data may further include a certificate of repayment of the third-party secured financing party, a financing policy, and proof of purchase of insurance from the insurance company for the transaction. Therefore, the first quota parameter may also include a parameter associated with the proof that the financing party will repay, and a parameter associated with the financing policy to purchase insurance from the insurance company for the transaction, which may be subsequently used. Calculate the first financing amount.

In other embodiments, when the first financing quota is calculated by using the first quota parameter, it is not limited to the first quota parameter used in the above calculation formula, and the financing system 300 may be based on the transaction data submitted by the financing party. Make adjustments.

The financing module 320 is configured to determine the first financing service according to the first financing request amount and the first financing amount in the first financing request.

In this embodiment, when the first financing request amount is less than or equal to the first financing amount, the financing module 320 provides the financing party with the financing request amount of the first financing request amount. Specifically, the financing module 320 provides a financing service user interface, and provides other financial service functions such as reviewing the approval progress, viewing the approval amount, and online transfer on the financing service user interface. Through the financing service user interface, the financing party may select an online transfer or the like, and the financing module 320 transfers the first financing request amount to the account according to the account entered by the financing party at the financing service user interface. And generate electronic payment notes including bank digital signatures and so on.

In this embodiment, the financing module 320 determines, according to the first financing request amount, the total repayment period corresponding to the first financing request amount, the repayment period of each period, and the repayment amount of each period. When the financing party applies for financing from the financial institution, the financing system dynamically adjusts the financing amount of the financing party according to the repaid amount corresponding to the first financing request amount and the repayment period.

When the first financing request amount is greater than the first financing amount, the financing module 320 sends an alert message to the client 400, prompting the financing party that the first financing request is not approved.

The transaction data receiving module 330 is configured to update the first parameter stored in the transaction database 200 according to the first quota parameter, and update the current financing amount stored by the quota database 100 according to the first financing quota.

In this embodiment, the order quantity corresponding to the financing party stored in the transaction database 200 is updated according to the effective order quantity in the first quota parameter; and the transaction database 200 is updated according to the effective order quantity growth rate in the first quota parameter. The stored order amount growth rate corresponding to the financing party, etc., similarly updates the first parameter stored in the transaction database 200. The first parameter stored in the transaction database 200 and the current financing amount stored in the quota database 100 are updated, so that the subsequent financing can be continuously and dynamically financed.

In this embodiment, the transaction data receiving module 330 further receives repayment information of the financing party for the first financing request amount. The repayment information includes the repaid amount, the repayment time, and the like. The transaction data receiving module 330 updates the repaid amount corresponding to the first financing request amount and the on-time repayment period corresponding to the first financing request amount in the transaction database 200 according to the repayment information.

The transaction data receiving module 330 is configured to receive the transaction information and the second financing request sent by the client 400.

In this embodiment, the second financing request includes at least one or more of the following: a second financing request amount, a second financing time period, a second financing repayment condition, a financing party basic information, a second financing request date, and the like. Financing related information.

The transaction information after the transaction includes an invoice ticket within a second preset time period. The second preset time period is before the second financing request date.

The quota trial module 310 is configured to calculate a second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database 200, and according to the second quota parameter and the updated current in the quota database 100 The financing amount calculates the second financing amount.

In this embodiment, the second parameter stored in the transaction database 200 includes at least one or more of the following: the number of invoice customers corresponding to the financing party, the invoice quantity, the invoice quantity growth rate, the growth rate of the invoice quantity growth rate, and the invoice average. Amount, invoice average amount growth rate, invoice average amount growth rate growth rate, invoice remaining amount, invoice remaining amount growth rate, invoice remaining amount growth rate growth rate, invoice balance, invoice balance growth rate, and first financing request The amount of repayment corresponding to the amount, the number of repayment periods corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount, and the like. The second parameter stored in the transaction database 200 is periodically updated according to the invoice data uploaded by the financing party. Each invoice ticket includes at least one or more of the following: the customer of the invoice, the amount of the invoice, and the validity period of the invoice. The invoice balance refers to the invoice amount minus the financing amount of the invoice, and the remaining amount of the invoice refers to the number of invoices that have not expired.

In this embodiment, the quota trial module 310 obtains a valid invoice ticket according to the invoice ticket in the second preset time period, and then calculates the second quota parameter according to the valid invoice ticket. The second quota parameter includes at least one or more of the following: an effective invoice average amount, an invoice customer quantity, a valid invoice quantity, a valid invoice quantity growth rate, a growth rate of a valid invoice quantity growth rate, an effective invoice average amount, and an effective invoice average amount. Growth rate, growth rate of effective invoice average amount growth rate, effective invoice remaining amount, effective invoice residual growth rate, effective invoice residual growth rate growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the current repayment period corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount. The second credit parameter may be a negative value and may be a positive value.

The method for the quota calculation module 310 to obtain a valid invoice according to the invoice ticket in the second preset time period is as follows: calculating the effective invoice average amount according to the amount of the invoice ticket in the second preset time period, according to the effective invoice average The amount sets a range of amounts. If the amount of the invoice slip is within the amount range, the credit trial module 310 determines that the invoice slip is a valid invoice. In this way, it can avoid that the invoice amount is too small or the invoice amount is too large, which brings a large error to the calculation of the financing amount.

In this embodiment, the quota trial module 310 calculates the second quota parameter according to the valid invoice in the second preset time period and the second parameter stored in the transaction database 200, as follows:

The number of invoice customers is calculated according to the invoice ticket in the second preset time period, and the number of valid invoice customers and the effective invoice amount and the valid invoice balance are calculated according to the valid invoice in the second preset time period. The valid invoice balance refers to the amount of the valid invoice minus the financing amount of the valid invoice.

The invoice customer number growth rate is calculated by comparing the number of invoice customers with the number of invoice customers stored in the transaction database 200.

The effective invoice amount is compared with the invoice amount stored in the transaction database 200, and the effective invoice amount growth rate is calculated. The growth rate of the effective invoice amount growth rate is calculated based on the effective invoice amount growth rate and the invoice amount growth rate stored in the transaction database 200.

The effective invoice average amount is compared with the average amount of the invoice stored in the transaction database 200, and the effective invoice average amount price growth rate is calculated. The growth rate of the effective invoice average amount growth rate is calculated according to the invoice average amount growth rate and the invoice average amount growth rate stored in the transaction database 200.

The remaining amount of the valid invoice is obtained according to the validity period of the valid invoice, and the remaining amount of the valid invoice is compared with the remaining amount of the invoice stored in the transaction database 200, and the growth rate of the remaining amount of the valid invoice is calculated. The growth rate of the effective invoice remaining amount growth rate is calculated based on the effective invoice remaining amount growth rate and the invoice remaining amount growth rate stored in the transaction database 200.

The effective invoice balance is compared with the valid invoice balance stored in the transaction database 200 to calculate a valid invoice balance growth rate. The growth rate of the effective invoice balance growth rate is calculated based on the effective invoice balance growth rate and the effective invoice balance growth rate stored in the transaction database 200.

Repaying the repaid amount corresponding to the first financing request amount in the second credit parameter according to the repaid amount corresponding to the first financing request amount stored in the transaction database 200; storing the first amount according to the transaction database 200 The number of on-time repayment periods corresponding to the first financing amount in the second quota parameter is updated according to the number of on-time repayment periods corresponding to the financing amount; and the total repayment period corresponding to the first financing request amount stored in the transaction database 200 The number updates the total number of repayment periods corresponding to the first financing request amount in the second quota parameter.

In this embodiment, each of the second quota parameters corresponds to one weight. The specific calculation formula for calculating the second financing amount by the quota trial module 310 is as follows:

The second financing amount = the current financing amount after the update * { [(the weight of the invoice customer growth rate * (1 + invoice customer number growth rate)] + [ (the effective invoice amount growth rate corresponding weight * (1 + effective Invoice volume growth rate)] + [(weight of growth rate corresponding to growth rate of effective invoice amount*(1+ growth rate of effective invoice amount growth rate)] + [(weight of corresponding effective amount of growth of average invoice*(1+) Effective invoice average amount growth rate)] + [(weight of growth rate of effective invoice average growth rate* (1+ growth rate of effective invoice average amount growth rate)] + [(weight of effective invoice remaining amount growth rate) *(1+ effective invoice remaining amount growth rate)] + [(weight of corresponding growth rate of growth rate of remaining invoices*(1+ growth rate of effective invoice residual growth rate)] + [(effective invoice balance growth rate) Corresponding weight* (1+ effective invoice balance growth rate)] + [(weight of growth rate of effective invoice balance growth rate* (1+ growth rate of effective invoice balance growth rate)] + [1 + (with first The amount of repayment corresponding to the amount of financing request / First Rong The amount of capital)] + [1 + (the number of on-time repayment periods corresponding to the first financing request amount / the total repayment period corresponding to the first financing request amount)] }.

In other embodiments, the post-transaction transaction data may further include a certificate of repayment of the third-party secured financing party, a financing policy, and proof of purchase of insurance from the insurance company for the transaction. Therefore, the second quota parameter may also include a parameter associated with the proof that the financing party will repay, and a parameter associated with the financing policy to purchase insurance from the insurance company for the transaction, which may be subsequently used. Calculate the second financing amount.

In other embodiments, when the second financing amount is calculated by using the second quota parameter, it is not limited to the second quota parameter used in the above calculation formula, and the financing system 300 may be based on the transaction data submitted by the financing party. Make adjustments.

The financing module 320 is configured to determine the second financing service according to the second financing request amount and the second financing amount included in the second financing request.

In this embodiment, when the second financing request amount is less than or equal to the second financing amount, the financing module 320 provides the financing party with the financing request amount of the second financing request amount. Specifically, the financing module 320 provides a financing service user interface, and provides functions such as approval progress, approval amount, and online transfer in the financing service user interface. Through the financing service user interface, the financing party may select an online transfer or the like, and the financing module 320 transfers the second financing request amount to the account according to the account entered by the financing party at the financing service user interface. And generate electronic payment notes including bank digital signatures and so on.

In this embodiment, the financing module 320 determines the total repayment period corresponding to the second financing request amount, the repayment period of each period, and the repayment amount of each period according to the second financing request amount. When the financing party applies for financing from the financial institution, the financing system dynamically adjusts the financing amount of the financing party according to the repaid amount corresponding to the second financing request amount and the repayment period.

When the second financing request amount is greater than the second financing amount, the financing module 320 sends an alert message to the client 400, prompting the financing party that the second financing request is not approved.

The transaction data receiving module 330 is configured to update the second parameter stored in the transaction database 200 according to the second quota parameter, and update the updated current financing amount according to the second financing amount.

In this embodiment, the invoice amount corresponding to the financing party stored in the transaction database 200 is updated according to the valid invoice quantity in the second quota parameter; and the transaction database 200 is updated according to the effective invoice quantity growth rate in the second quota parameter. The stored invoice amount growth rate corresponding to the financing party, etc., similarly updates the second parameter stored in the transaction database 200. The current financing amount stored by the quota database 100 is updated to the second financing amount. The second parameter stored in the transaction database 200 and the current financing amount stored in the quota database 100 are updated, so that the subsequent financing can be dynamically and continuously financed.

In this embodiment, the transaction data receiving module 330 further receives repayment information of the financing party for the first financing amount. The repayment information includes the repaid amount, the repayment time, and the like. The transaction data receiving module 330 updates the repaid amount corresponding to the first financing request amount and the on-time repayment period corresponding to the first financing request amount in the transaction database 200 according to the repayment information.

Through the present invention, the financing party can upload transaction materials (transaction materials before the transaction, such as order documents, transaction data after the transaction, such as invoice tickets, etc.) to the electronic device 500 for each transaction. The present invention is directed to the transaction, and adjusts the financing amount according to the pre-trade data and the data in the transaction database 200 to provide a financing service to the financing party. Then adjust the financing amount according to the transaction information after the transaction and the repayment of the previous financing service, and provide another financing service to the financing party. Therefore, the present invention can change the financing amount by order, production, shipment, invoice, receipt, etc. according to the transaction status, and can instantly and effectively reflect the customer's condition and meet the customer's demand under the controllable risk.

In the first application scenario of the present invention, when the financing party is a buyer, the buyer submits the transaction data before the transaction in the form of a buyer's order payment guarantee, and for the transaction, the financing system 300 adjusts the financing amount according to the order document in the buyer's order payment guarantee. To provide the buyer with the first financing service. After the buyer obtains the goods by using the amount obtained by the financing, and sells the goods, the invoice data after the transaction is uploaded to the electronic device 500, and the financing system 300 is based on the repayment status of the first financing service and after the transaction. The invoice data dynamically adjusts the financing amount and then provides the buyer with a financing service.

In the application scenario 2 of the present invention, when the financing party is a seller, the seller submits the transaction data before the transaction in the form of an order payment guarantee, and for the transaction, the financing system 300 provides the seller with the first order document according to the order payment guarantee. Secondary financing services are used for production. After the seller produces the shipment and sells the shipment, the invoice data after the transaction is uploaded to the electronic device 500, and the financing system 300 dynamically adjusts according to the repayment status of the first financing service and the invoice data after the transaction. The financing amount will be provided to the seller for a financing service.

In the several embodiments provided by the present invention, it should be understood that the disclosed system, apparatus, and method may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of the modules is only a logical function division, and the actual implementation may have another division manner.

The modules described as separate components may or may not be physically separated. The components displayed as modules may or may not be physical units, that is, may be located in one place, or may be distributed to multiple networks. On the unit. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of hardware plus software function modules.

The integrated unit described above in the form of a software function module can be stored in a computer readable storage medium. The software function module is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor to execute various embodiments of the present invention. Part of the steps of the method.

It is apparent to those skilled in the art that the present invention is not limited to the details of the above-described exemplary embodiments, and the present invention can be embodied in other specific forms without departing from the spirit or essential characteristics of the invention. Therefore, the embodiments are to be considered as illustrative and not restrictive, and the scope of the invention is defined by the scope of the appended claims rather than the description All changes that come within the meaning and range of equivalents of the scope of the invention are included in the invention. Any accompanying drawing marks in the scope of the patent application should not be construed as limiting the scope of the patent application involved. In addition, it is to be understood that the word "comprising" does not exclude other elements or steps. A plurality of units or devices recited in the scope of the system patent application may also be implemented by a unit or device through software or hardware. Words such as "first" and "second" (if present) are used to denote a name and do not denote any particular order.

It should be noted that the above embodiments are only for explaining the technical solutions of the present invention and are not intended to be limiting, and the present invention will be described in detail with reference to the preferred embodiments. Modifications or equivalents are made without departing from the spirit and scope of the invention.

500 electronic equipment ‧‧

501 storage equipment ‧‧

502 processing equipment ‧‧

400 client ‧‧

100 quota database ‧‧

200 transaction database ‧‧

300 financing system ‧‧

310 quota trial module ‧‧

320 financing module ‧‧

330 transaction data receiving module ‧‧

no

Claims (12)

A continuous dynamic credit financing method is applied to an electronic device, where the electronic device performs data interaction with a client, and the method includes:
Receiving transaction data and a first financing request before the transaction sent by the client;
Calculating a first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database, and calculating the first financing quota according to the first quota parameter and the current financing amount stored in the quota database;
Determining the first financing service according to the first financing request amount and the first financing amount in the first financing request;
Updating a first parameter stored in the transaction database according to the first quota parameter, and updating a current financing amount stored in the quota database according to the first financing quota;
Receiving transaction information and second financing request after the transaction sent by the client;
Calculating a second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database, and calculating a second financing amount according to the second quota parameter and the updated current financing amount in the quota database;
Determining a second financing service according to the second financing request amount and the second financing amount included in the second financing request; and updating the second parameter stored in the transaction database according to the second quota parameter, according to the second financing amount Update the current financing amount of the update. The continuous dynamic credit financing method according to claim 1, wherein the pre-transaction transaction data includes an order document in a first preset time period, a certificate of repayment of a third-party secured financing party, and a financing policy. A certificate for purchasing insurance from an insurance company, wherein the first predetermined time period is a time period before the first financing request date. The continuous dynamic credit financing method of claim 2, wherein the calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database comprises:
Obtaining a valid order document according to the order document in the first preset time period; and calculating, according to the valid order document in the first preset time period and the first parameter stored in the transaction database, the first quota parameter, The first parameter includes at least one or more of the following: an order quantity corresponding to the financing party, an average order price, an order profit, an order quantity growth rate, an average order price growth rate, and an order profit growth rate;
The first quota parameter includes at least one or more of the following: effective order quantity, effective order average price, effective order profit, effective order quantity growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average The growth rate of the price growth rate, the effective order profit growth rate and the growth rate of the effective order profit growth rate. The continuous dynamic credit financing method according to claim 1, wherein when the first financing request amount is less than or equal to the first financing amount, the financing party is provided with the first financing request amount. a first financing service; or when the first financing request amount is greater than the first financing amount, sending an alert message to the client, prompting the financing party that the first financing request is not approved; or when the When the second financing request amount is less than or equal to the second financing amount, the financing party is provided with the first financing service based on the second financing request amount; or when the second financing request amount is greater than the second financing amount Sending a reminder message to the client, prompting the financing party that the second financing request is not approved. For example, in the continuous dynamic credit financing method described in claim 1, the transaction information after the transaction includes an invoice ticket in a second preset time period, a certificate of repayment of a third-party secured financing party, and a financing party A proof of purchase of insurance from an insurance company, wherein the second predetermined time period is a time period prior to the second financing request date. The continuous dynamic credit financing method of claim 5, wherein the calculating the second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database comprises:
Obtaining a valid invoice for the invoice ticket in the second preset time period; and calculating the second quota parameter according to the valid invoice in the second preset time period and the second parameter stored in the transaction database, wherein
The second parameter includes at least one or more of the following: the number of invoice customers corresponding to the financing party, the invoice amount, the growth rate of the invoice amount, the growth rate of the invoice amount growth rate, the average amount of the invoice, the average amount of the invoice, and the average amount of the invoice. Growth rate growth rate, invoice remaining amount, invoice remaining amount growth rate, invoice remaining amount growth rate growth rate, invoice balance, invoice balance growth rate, repayment amount corresponding to the first financing request amount, and first The number of on-time repayment periods corresponding to the financing request amount and the total repayment period corresponding to the first financing request amount;
The second quota parameter includes at least one or more of the following: an effective invoice average amount, an invoice customer quantity, a valid invoice quantity, a valid invoice quantity growth rate, a growth rate of a valid invoice quantity growth rate, an effective invoice average amount, and an effective invoice average amount. Growth rate, growth rate of effective invoice average amount growth rate, effective invoice remaining amount, effective invoice residual growth rate, effective invoice residual growth rate growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the current repayment period corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount. A continuous dynamic credit financing system, running in an electronic device, the electronic device interacting with a client, the system comprising:
a transaction data receiving module, configured to receive transaction data and a first financing request sent by the client;
The quota trial module is configured to calculate a first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database, and calculate the first financing quota according to the first quota parameter and the current financing amount stored in the quota database;
a financing module, configured to determine the first financing service according to the first financing request amount and the first financing amount in the first financing request;
The transaction data receiving module is further configured to update the first parameter stored in the transaction database according to the first quota parameter, and update a current financing amount stored in the quota database according to the first financing quota;
The transaction data receiving module is further configured to receive the transaction information and the second financing request sent by the client;
The quota trial module is further configured to calculate a second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database, and according to the second quota parameter and the updated current financing in the quota database Calculate the second financing amount;
The financing module is further configured to determine a second financing service according to the second financing request amount and the second financing amount included in the second financing request; and the transaction data receiving module is further configured to use the second quota parameter Updating the second parameter stored in the transaction database, and updating the updated current financing amount according to the second financing amount. The continuous dynamic credit financing system of claim 7, wherein the pre-transaction transaction data includes an order document in a first preset time period, a certificate of a third-party secured financing party repayment, and a financing policy. A certificate for purchasing insurance from an insurance company, wherein the first predetermined time period is a time period before the first financing request date. The continuous dynamic credit financing system of claim 8, wherein the calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database comprises:
Obtaining a valid order document according to the order document in the first preset time period; and calculating, according to the valid order document in the first preset time period and the first parameter stored in the transaction database, the first quota parameter, The first parameter includes at least one or more of the following: an order quantity corresponding to the financing party, an average order price, an order profit, an order quantity growth rate, an average order price growth rate, and an order profit growth rate;
The first quota parameter includes at least one or more of the following: effective order quantity, effective order average price, effective order profit, effective order quantity growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average The growth rate of the price growth rate, the effective order profit growth rate and the growth rate of the effective order profit growth rate. The continuous dynamic credit financing system of claim 7, wherein the financing module is further configured to: when the first financing request amount is less than or equal to the first financing amount, to the financing party Providing a first financing service based on the first financing request amount; or the financing module is further configured to send a reminder message to the client when the first financing request amount is greater than the first financing amount, prompting financing The first financing request is not approved; or the financing module is further configured to provide the financing party with the second financing request when the second financing request amount is less than or equal to the second financing amount The first financing service of the amount; or the financing module is further configured to: when the second financing request amount is greater than the second financing amount, send an alert message to the client, prompting the financing party to the second financing The request was not approved. For example, in the continuous dynamic credit financing system described in claim 7, the transaction information after the transaction includes an invoice ticket within a second preset time period, a certificate of repayment of a third-party secured financing party, and a financing party for the transaction. A proof of purchase of insurance from an insurance company, wherein the second predetermined time period is a time period prior to the second financing request date. The continuous dynamic credit financing system of claim 11, wherein the calculating the second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database comprises:
Obtaining a valid invoice for the invoice ticket in the second preset time period; and calculating the second quota parameter according to the valid invoice in the second preset time period and the second parameter stored in the transaction database, wherein
The second parameter includes at least one or more of the following: the number of invoice customers corresponding to the financing party, the invoice amount, the growth rate of the invoice amount, the growth rate of the invoice amount growth rate, the average amount of the invoice, the average amount of the invoice, and the average amount of the invoice. Growth rate growth rate, invoice remaining amount, invoice remaining amount growth rate, invoice remaining amount growth rate growth rate, invoice balance, invoice balance growth rate, repayment amount corresponding to the first financing request amount, and first The number of on-time repayment periods corresponding to the financing request amount and the total repayment period corresponding to the first financing request amount;
The second quota parameter includes at least one or more of the following: an effective invoice average amount, an invoice customer quantity, a valid invoice quantity, a valid invoice quantity growth rate, a growth rate of a valid invoice quantity growth rate, an effective invoice average amount, and an effective invoice average amount. Growth rate, growth rate of effective invoice average amount growth rate, effective invoice remaining amount, effective invoice residual growth rate, effective invoice residual growth rate growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the current repayment period corresponding to the first financing request amount, and the total repayment period corresponding to the first financing request amount.