TWI645356B - Method and system of continually dynamically financing - Google Patents

Abstract

A continuous dynamic credit financing method and system, including: receiving transaction data and first financing request before a transaction; calculating a first quota parameter based on the transaction information and first parameters before the transaction; and calculating based on the first quota parameter and a current financing quota The first financing quota; determining the first financing service according to the first financing request amount and the first financing quota; updating the first parameter and updating the current financing quota; receiving transaction information and the second financing request after the transaction; Calculate the second quota parameter based on the transaction information and the second parameter, and calculate the second financing quota based on the second quota parameter and the updated current financing quota; determine the second financing service according to the second financing request amount and the second financing quota; update the first Two parameters and updated current financing quota.

Description

A continuous dynamic financing method and system

The invention and the field of financial financing technology, in particular, relate to continuous dynamic credit financing methods and systems.

Banks providing financing or related financial transactions (including accounts receivable offtake) are often accompanied by risks. The conventional risk management control methods set different limits for different objects. Taking accounts receivable offtake as an example, the main purpose is All types of accounts receivable off-take dealers (buyers and sellers) limit the amount of transactions to ensure that each transaction is carried out under different limits. Among them, the setting of the upper limit of the quota is mainly based on the amount of assets of the transaction object, such as weighted income from the existing assets of the transaction object and future assets. That is, in the prior art, the upper limit of the quota is calculated according to the current status of the assets of the transaction object.

The upper limit of the amount set by the conventional risk control means is a fixed value and does not change with the transaction. For example, when the receivables of the accounts receivable are due for renewal, the aforementioned limit will not be adjusted based on past use and repayment records. It is relatively fixed and conservative, and lacks a credit component. In addition, for trade financing, it is impossible to respond to the actual credit status and meet the needs of its loan funds based on the status of each transaction.

For example, traditional financing starts with a fixed ceiling based on the assets of customers. After the customer's transaction, the seller uses the account receivable generated by the invoice after shipment to finance the financial institution within the limit approved by the financial institution in advance. If the seller's account receivable amount is greater than the fixed limit, it will not be able to obtain financing for that amount. In addition, if the seller needs to produce the goods before the goods are delivered, or because the buyer has ordered the goods, if the amount is greater than the fixed limit approved by the financial institution, the amount of financing cannot be obtained, and the transaction cannot be engaged. . As a result, financial institutions often fail to respond to the status of their transactions (orders, orders, Production, shipping, invoices, receipts), and transaction status and actual demand from customer historical data.

In view of the above, it is necessary to provide a continuous dynamic credit financing method and system that can change the financing amount according to the transaction status, and can instantly and effectively reflect the status of customers and meet customer needs under controllable risks.

A continuous dynamic credit financing method is applied to an electronic device, and the electronic device performs data interaction with a client. The method includes: receiving pre-transaction data and a first financing request sent by the client; Calculate the first quota parameter based on the transaction data before the transaction and the first parameter stored in the transaction database, and calculate the first financing quota based on the first quota parameter and the current financing quota stored in the quota database; according to the first financing in the first financing request Determine the first financing service by the requested amount and the first financing amount; update the first parameter stored in the transaction database according to the first amount parameter; update the current financing amount stored in the amount database according to the first financing amount; receive Post-transaction transaction information and a second financing request sent by the client; calculate a second quota parameter according to the post-transaction transaction information and a second parameter stored in the transaction database, and according to the second quota parameter and the Calculate the second financing quota in the quota database after the updated current financing quota; Determining the second financing service by the second financing request amount and the second financing quota included in the capital request; and updating the second parameter stored in the transaction database according to the second quota parameter, and updating the second financing quota according to the second financing quota Updated current funding limit.

A continuous dynamic credit financing system running in an electronic device that performs data interaction with a client. The system includes a transaction data receiving module for receiving transaction data before the transaction sent by the client. And the first financing request; a quota trial calculation module for calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database, and calculating based on the first quota parameter and the current financing quota stored in the quota database A first financing quota; a financing module for determining a first financing service according to the first financing request amount and the first financing quota in the first financing request; and the transaction data receiving module is further configured for using the first quota Update the first parameter stored in the transaction database with parameters, and update the current financing stored in the quota database according to the first financing quota The quota; the transaction data receiving module is further configured to receive the post-transaction transaction information and the second financing request sent by the client; the quota trial calculation module is further configured to use the post-transaction transaction information and the The second parameter stored in the transaction database is used to calculate the second quota parameter, and the second financing quota is calculated according to the second quota parameter and the updated current financing quota in the quota database; the financing module is further configured to use the second financing request The second financing request amount and the second financing amount included in 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 amount parameter, and The second financing quota updates the updated current financing quota.

Compared with the conventional technology, through the present invention, the financier can upload transaction data (transaction data such as order documents, post-transaction transaction data such as invoices, etc.) to the electronic device for each transaction. For the transaction, the present invention adjusts the financing quota according to the data before the transaction and the data in the transaction database, and provides a financing service to the financing party. Based on the transaction information after the transaction and the repayment of the previous financing service, the financing quota is adjusted to provide the financing party with another financing service. Therefore, the present invention can change the financing amount from orders, production, shipments, invoices, receipts, etc. according to the transaction status, and can instantly and effectively reflect the status of customers and meet customer needs under controllable risks.

500‧‧‧electronic equipment

501‧‧‧Storage Equipment

502‧‧‧treatment equipment

400‧‧‧client

100‧‧‧credit database

200‧‧‧Transaction Database

300‧‧‧ Financing System

310‧‧‧Credit Trial Module

320‧‧‧ Financing Module

330‧‧‧Transaction data receiving module

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

FIG. 2 is a flowchart 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 this embodiment, the schematic diagram of the application environment includes a quota database 100, a transaction database 200, a continuous dynamic credit financing system 300 (hereinafter referred to as a "financing system"), a client 400, and an electronic device 500. The financing system 300 includes a credit 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 to store the financing system 300 according to the financing party (buyer, seller Party) 's transaction information to calculate the financing limit. The transaction information includes transaction information before the transaction and invoice information after the transaction. The financing amount is as follows: the first financing amount and the second financing amount.

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

The financing system 300 can be installed and operated in the electronic device 500. The electronic device 500 may also be installed with other system software of a financial institution. The electronic device 500 is a device capable of automatically performing numerical calculations and / or information processing according to instructions set or stored in advance. Its hardware includes, but is not limited to, a microprocessor, an application integrated circuit (ASIC), Field-Programrnable 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 multiple network servers, or a cloud composed of a large number of hosts or network servers based on Cloud Computing. Computing is a type of distributed computing, a super virtual computer composed of a group of loosely coupled computers.

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

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

The processing device 502 may be composed of one or more microprocessors and digital processors.

The financing system 300 enables the financing party to upload transaction data (transaction data such as order documents, post-transaction transaction data such as invoices, etc.) to the electronic device for each transaction. Prepare 500. For the transaction, the present invention adjusts the financing quota according to the data before the transaction and the data in the transaction database 200 to provide a financing service to the financing party. Based on the transaction information after the transaction and the repayment of the previous financing service, the financing quota is adjusted to provide the financing party with another financing service. Therefore, the present invention can change the financing amount from orders, production, shipments, invoices, receipts, etc. according to the transaction status, and can effectively and immediately reflect the status of customers and meet customer needs under controllable risks.

As shown in FIG. 2, it is a flowchart of a preferred embodiment of the continuous dynamic credit financing method of the present invention. According to different requirements, the order of steps in this flowchart can be changed, and some steps can 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, the financing amount of the first financing request, the first financing time period, the first financing repayment condition, the basic information of the financing party, the first financing request date, and so on. Relevant information.

The transaction data before the transaction includes order documents 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 a period from May 30 to July 30.

The financing system 300 provides a user interface through which a financier can input transaction data before the transaction and the first financing request. For example, the financing system 300 provides the URL of the webpage corresponding to the user interface to the financing party, and the financing party views the user interface by entering the URL 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 may also be implemented through other application program 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 the first quota parameter and the current financing quota stored in the quota database 100. First financing line.

In this embodiment, the first parameter stored in the transaction database 200 includes at least The next one or more: order volume, average order price, order profit, order volume growth rate, order average price growth rate, order profit growth rate, etc. corresponding to the financing party. 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 volume, average effective order price, effective order profit, effective order volume growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average Price growth rate, effective order profit growth rate and 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 amount, an order price corresponding to the order amount, and a cost price corresponding to the order amount.

The method for the financing system 300 to obtain valid order documents according to the order documents in the first preset time period is as follows: an average order amount is calculated according to the order amount of the order documents in the first preset time period, and the average order amount is set according to the average order amount A range of order quantities. If the order amount of the order document is within the order amount range, the financing system 300 determines that the order document is a valid document. In this way, order documents with too small or too large order orders can be used to avoid large errors in the calculation of financing quotas.

The financing system 300 calculates the first quota parameter according to the valid order documents in the first preset time period and the first parameters stored in the transaction database 200, as follows: according to the validity in the first preset time period The order document calculates the effective order amount, and compares the effective order amount with the order amount stored in the transaction database 200 to calculate the effective order amount growth rate. The growth rate of the effective order growth rate is calculated according to the effective order volume growth rate and the order volume growth rate stored in the transaction database 200.

Calculate the average effective order price based on the valid order documents in the first preset time period, and then compare the average effective order price with the average order price stored in the transaction database 200 to calculate the average effective order growth rate. The growth rate of the effective order average price growth rate is calculated according to the effective order average price growth rate and the order average price growth rate stored in the transaction database 200.

The effective order profit is calculated according to the effective order documents in the first preset time period, and then the effective order profit is compared with the order profit stored in the transaction database 200 to calculate the effective order profit growth rate. Calculate the growth rate of the effective order profit growth rate according to 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 previous financing quota will be updated regularly based on the transaction information uploaded by the financing party. The quota trial calculation module 310 calculates the first financing quota according to the first quota parameters and the current financing quota stored in the quota database 100.

In this embodiment, each parameter in the first quota parameter corresponds to a weight. The specific calculation formula for calculating the first financing amount by the financing system 300 is as follows: the first financing amount = the current financing amount * {[(the weight corresponding to the effective order volume growth rate * (1 + effective order volume growth rate)] + [( The weight corresponding to the growth rate of the effective order growth rate * (1 + the growth rate of the effective order growth rate)] + [(the weight corresponding to the growth rate of the effective order average price * (1 + average rate of the effective order growth rate)) + [( The weight corresponding to the growth rate of the effective order average price growth rate * (1 + the growth rate of the effective order average price growth rate)] + [(the weight corresponding to the effective order profit growth rate * (1 + effective order profit growth rate)) + [(Weight corresponding to the growth rate of effective order profit growth rate * (1 + growth rate of effective order profit growth rate)]]}.

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

In other embodiments, the transaction data before the transaction may further include a third party guaranteeing the repayment of the financing party's proof, a financing party's proof of purchasing insurance from an insurance company for the transaction, and so on. Therefore, the parameters of the first quota may also include parameters associated with the proof that the financing party will repay, and The parameters related to the financing policy's proof of purchase of insurance from the insurance company for this transaction can be used to calculate the first financing quota.

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

S12. The financing system 300 determines a 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 a 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 viewing approval progress, viewing approval amount, and online transfer on the financing service user interface. Through the financing service user interface, the financing party can choose online transfer, etc. The financing system 300 transfers the first financing request amount to the account according to the account entered by the financing party in the financing service user interface. , And generate electronic payment notes including digital signatures from banks and more.

In this embodiment, the financing system 300 determines the total number of repayment periods, the repayment period of each period, and the repayment amount of each period according to the first financing request amount. When the financier applies for financing to the financial institution again, the financing system will dynamically adjust the financing amount of the financier according to the repayment amount corresponding to the first financing request amount and the number of repayment periods on time.

When the amount of the first financing request is greater than the first financing amount, the financing system 300 sends a reminder message to the client 400 to remind the financing party that the first financing request has not been 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 quota 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; according to the effective order quantity in the first quota parameter The growth rate updates the growth rate of the order quantity corresponding to the financier stored in the transaction database 200, and the like, and similarly updates the first parameter stored in the transaction database 200. After the first parameters stored in the transaction database 200 and the current financing quota stored in the quota database 100 are updated, it is convenient for subsequent financing parties to continuously and dynamically finance.

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, repayment time, and the like. The financing system 300 updates the repayment amount corresponding to the first financing request amount and the number of on-time repayment periods 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 data and the second financing request sent by the client 400 after the transaction.

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, basic information of the financing party, a second financing request date, and the like Financing related information.

The post-transaction transaction data includes invoice notes 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 line calculates the second financing line.

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 financier, the invoice amount, the invoice volume growth rate, the invoice volume growth rate growth rate, and the invoice average Amount, growth rate of average invoice amount, growth rate of average invoice amount, growth rate of remaining invoice, growth rate of remaining invoice amount, growth rate of remaining amount of invoice, growth rate of invoice balance, growth rate of invoice balance, and first financing request The repayment amount corresponding to the amount, the number of on-time repayment periods corresponding to the first financing request amount, the total number of repayment periods 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 Invoice validity, etc. Invoice balance refers to the invoice amount minus the financing amount of the invoice, and the remaining invoice amount refers to the number of invoices that have not expired.

In this embodiment, the financing system 300 obtains a valid invoice note according to the invoice note within a second preset time period, and then calculates the second quota parameter according to the valid invoice note. The second quota parameter includes at least one or more of the following: average effective invoice amount, number of invoice customers, effective invoice amount, effective invoice amount growth rate, effective invoice amount growth rate growth rate, average effective invoice amount, effective invoice average amount Growth rate, growth rate of average effective invoice growth rate, effective invoice remaining amount, effective invoice remaining amount growth rate, effective invoice remaining amount growth rate, growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the number of on-time repayment periods corresponding to the first financing request amount, and the total number of repayment periods corresponding to the first financing request amount. The second quota parameter may be a negative value, and may be a positive value.

The method for the financing system 300 to obtain a valid invoice according to the invoice bill in the second preset time period is as follows: Calculate the average effective invoice amount based on the amount of the invoice bill in the second preset time period, and set it according to the average amount of the valid invoice. A range of amounts. If the amount of the invoice bill is within the amount range, the financing system 300 determines that the invoice bill is a valid invoice. In this way, order documents with too small or too large invoice amounts can avoid large errors in the calculation of financing quotas.

In this embodiment, the financing system 300 calculates the second quota parameter according to a valid invoice within a second preset time period and a second parameter stored in the transaction database 200, as follows: according to the second preset The number of invoice customers is calculated for the invoice receipts in the time period, and the number of effective invoice customers, the effective invoice amount, and the effective invoice balance are calculated according to the valid invoices in the second preset time period. The effective invoice balance refers to the effective invoice amount minus the financing amount of the effective invoice.

Compare the number of invoice customers with the number of invoice customers stored in the transaction database 200 to calculate the growth rate of the number of invoice customers.

Comparing the effective invoice amount with the invoice amount stored in the transaction database 200, Calculate the effective invoice volume growth rate. The growth rate of the effective invoice amount growth rate is calculated according to the effective invoice amount growth rate and the invoice amount growth rate stored in the transaction database 200.

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

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

Updating the repaid amount corresponding to the first financing request amount in the second quota parameter according to the repaid amount corresponding to the first financing request amount stored in the transaction database 200; The number of on-time repayment periods corresponding to the financing quota updates the number of on-time repayment periods corresponding to the first financing quota in the second quota parameter; according to the total repayment period corresponding to the first financing request amount stored in the transaction database 200 Update the total number of repayment periods corresponding to the first financing request amount in the second quota parameter.

In this embodiment, each parameter in the second quota parameter corresponds to a weight. The specific calculation formula for calculating the second financing quota by the financing system 300 is as follows: the second financing quota = the updated current financing quota * {[((the corresponding weight of the growth rate of the number of invoice customers * (1 + the growth rate of the number of invoice customers))] + [(Weight corresponding to effective invoice volume growth rate * (1 + effective invoice volume growth rate)] + [(weight corresponding to growth rate of effective invoice volume growth rate * (1 + effective invoice volume growth rate)) + [(Weight corresponding to average growth rate of effective invoices * (1 + Average value growth rate of effective invoices)] + [(Weight corresponding to growth rate of effective invoice average amount growth rate * (1 + Valid invoices Growth rate of average amount growth rate)] + [(weight corresponding to growth rate of effective invoice remaining amount * (1+ growth rate of effective invoice remaining amount growth rate)] ++ ((weight of corresponding growth rate of effective invoice remaining amount growth rate * ( 1+ Growth rate of effective invoice remaining growth rate)] + [(Weight corresponding to effective invoice balance growth rate * (1 + Valid invoice balance growth rate)] + [(Weight corresponding to growth rate of effective invoice balance growth rate * (1+ Growth rate of effective invoice balance growth rate) 1+ [1+ (Repaid amount corresponding to the first financing request amount / First financing amount)] + [1+ (Corresponding to the first financing request amount Number of repayment periods on time / total number of repayment periods corresponding to the first financing request amount)]}.

In other embodiments, the post-transaction transaction information may further include a third party guaranteeing the repayment of the financing party's repayment, a financing party's proof of purchasing insurance from an insurance company for the transaction, and so on. Therefore, the second quota parameter may also include a parameter associated with the financing party's proof of repayment, and a parameter associated with the financing party's proof of purchasing insurance from an insurance company for the transaction, which can be subsequently used to calculate the second Financing quota.

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

S16. The financing system 300 determines a 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 a 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 can choose online transfer, etc. The financing system 300 transfers the second financing request amount into the account according to the account entered by the financing party in the financing service user interface. , And generate electronic payment notes including digital signatures from banks and more.

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

When the amount of the second financing request is greater than the second financing amount, the financing system 300 sends a reminder message to the client 400 to remind the financing party that the second financing request has not been approved.

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

In this embodiment, the invoice amount corresponding to the financing party stored in the transaction database 200 is updated according to the effective invoice amount in the second quota parameter; the transaction database 200 is updated according to the effective invoice amount growth rate in the second quota parameter. The stored growth rate of the invoice amount corresponding to the financier and the like similarly updates the second parameter stored in the transaction database 200. The current financing quota stored in the quota database 100 is updated to the second financing quota. After the second parameter stored in the transaction database 200 and the current financing quota stored in the quota database 100 are updated, subsequent financing can be facilitated by dynamic and continuous financing.

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, repayment time, and the like. The financing system 300 updates the repayment amount corresponding to the first financing request amount and the number of on-time repayment periods 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 data (transaction data such as order documents, post-transaction transaction data such as invoices, etc.) to the electronic device 500 for each transaction. For the transaction, the present invention adjusts the financing quota according to the data before the transaction and the data in the transaction database 200 to provide a financing service to the financing party. Based on the transaction information after the transaction and the repayment of the previous financing service, the financing quota is adjusted to provide the financing party with another financing service. Therefore, the present invention can change the financing amount from orders, production, shipments, invoices, receipts, etc. according to the transaction status, and can instantly and effectively reflect the status of customers and meet customer needs under controllable risks.

In the first application scenario of the present invention, when the financing party is the buyer, the buyer submits transaction data before the transaction in the form of a buyer's order payment guarantee. For the transaction, the financing system 300 adjusts the financing amount according to the order documents in the buyer's order payment guarantee. To provide the buyer with the first financing service. When the buyer uses the amount obtained from the financing to get the goods and sells the goods, the transaction invoice information is uploaded to the electronic device 500. The financing system 300 is based on the repayment status of the first financing service and the post-transaction The invoice information dynamically adjusts the financing limit, and then provides the buyer with another financing service.

In the second application scenario of the present invention, when the financing party is the seller, the seller submits the transaction data before the transaction in the form of an order payment guarantee. For the transaction, the financing system 300 provides the seller with the first order according to the order document in the order payment guarantee. Sub-financing services are used for production. When the seller produces the shipment and sells the shipment, the transaction invoice information is uploaded to the electronic device 500, and the financing system 300 is dynamically adjusted according to the repayment status of the first financing service and the invoice information after the transaction. Financing quota, and provide financing service to the seller again.

As shown in FIG. 1, the financing system 300 includes a credit 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 program segments that can be executed by the processing device 14 and can complete fixed functions, and is stored in the storage device 13. In this embodiment, functions of each module will be described in detail in subsequent embodiments.

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

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

The transaction data before the transaction includes order documents 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 a period from May 30 to July 30.

The financing system 300 provides a user interface through which a financier can input transaction data before the transaction and the first financing request. For example, the financing system 300 The financing party is provided with the URL of the webpage corresponding to the user interface, and the financing party views the user interface by entering the URL 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 may also be implemented through other application program interfaces (APIs).

A quota trial calculation module 310 is configured to calculate a first quota parameter based on the pre-transaction transaction data and the first parameter stored in the transaction database 200, and according to the first quota parameter and the current financing quota stored in the quota database 100 Calculate the first financing line.

In this embodiment, the first parameter stored in the transaction database 200 includes at least one or more of the following: order volume, order average price, order profit, order volume growth rate, order average price growth rate, and order corresponding to the financing party 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 calculation 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 volume, average effective order price, effective order profit, effective order volume growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average Price growth rate, effective order profit growth rate and 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 amount, an order price corresponding to the order amount, and a cost price corresponding to the order amount.

The method for the quota trial calculation module 310 to obtain valid order documents according to the order documents in the first preset time period is as follows: an average order amount is calculated according to the order amount of the order documents in the first preset time period, and Volume sets an order volume range. If the order amount of the order document is within the order amount range, the quota trial calculation module 310 determines that the order document is a valid document. In this way, order documents with too small or too large order orders can be used to avoid large errors in the calculation of financing quotas.

The quota trial calculation module 310 is based on the valid order documents and The first quota parameter is calculated by calculating the first parameter stored in the transaction database 200, as follows: Calculate the effective order amount according to the valid order document in the first preset time period, and compare the effective order amount with the transaction. The order quantity stored in the database 200 is compared, and the effective order quantity growth rate is calculated + calculated. The growth rate of the effective order growth rate is calculated according to the effective order volume growth rate and the order volume growth rate stored in the transaction database 200.

Calculate the average effective order price based on the valid order documents in the first preset time period, and then compare the average effective order price with the average order price stored in the transaction database 200 to calculate the average effective order growth rate. The growth rate of the effective order average price growth rate is calculated according to the effective order average price growth rate and the order average price growth rate stored in the transaction database 200.

The effective order profit is calculated according to the effective order documents in the first preset time period, and then the effective order profit is compared with the order profit stored in the transaction database 200 to calculate the effective order profit growth rate. Calculate the growth rate of the effective order profit growth rate according to 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 previous financing quota will be updated regularly based on the transaction information uploaded by the financing party. The quota trial calculation module 310 calculates the first financing quota according to the first quota parameters and the current financing quota stored in the quota database 100.

In this embodiment, each parameter in the first quota parameter corresponds to a weight. The specific calculation formula for calculating the first financing amount by the quota trial calculation module 310 is as follows: the first financing amount = the current financing amount * {[((the corresponding weight of the effective order volume growth rate * (1 + effective order volume growth rate)]) + [(Weight corresponding to growth rate of effective order growth rate * (1 + Growth rate of effective order growth rate)] + [(Weight corresponding to growth rate of effective order average price * (1 + Growth rate of effective order average price)] + [(Weight corresponding to the growth rate of the effective order average price growth rate * (1 + Growth rate of the effective order average price growth rate)] + [(Weight corresponding to the effective order profit growth rate * (1+ Effective order profit growth rate) ] + [(Weight of the growth rate of effective order profit growth rate * (1+ growth rate of effective order profit growth rate)])}.

In other embodiments, the quota calculation module 310 may use the following calculation formula to calculate the first financing quota: the first financing quota = the current financing quota * {[(the weight corresponding to the effective order volume growth rate * (1+ Growth rate of effective order volume)] + [(Weight corresponding to the growth rate of effective order growth rate * (1+ Growth rate of effective order growth rate)] ++ ((Weight corresponding to effective order profit growth rate * (1 + Valid order Profit growth rate)] + [(weight corresponding to growth rate of effective order profit growth rate * (1+ growth rate of effective order profit growth rate)]]}.

In other embodiments, the transaction data before the transaction may further include proof that the third party guarantees the repayment of the financing party, proof that the financing policy purchased insurance from the insurance company for the transaction, and so on. Therefore, the first quota parameter may also include parameters related to the proof that the financing party will repay, and parameters related to the financing policy's proof of purchasing insurance from the insurance company for the transaction, which can be used later Calculate the first financing line.

In other embodiments, when using the first quota parameter to calculate the first financing quota, it is not limited to the first quota parameter used in the above calculation formula. 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 a 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 a financing service 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 viewing approval progress, viewing approval amount, and online transfer on the financing service user interface. Through the financing service user interface, the financing party can choose online transfer, etc. The financing module 320 transfers the first financing request amount to the account according to the account entered by the financing party in the financing service user interface. And generate electronic payment notes including bank digital signatures and more.

In this embodiment, the financing module 320 determines the total number of repayment periods 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 to the financial institution again, the financing system will The repayment amount and the number of repayment periods on time dynamically adjust the financing amount of the financing party.

When the amount of the first financing request is greater than the first financing amount, the financing module 320 sends a reminder message to the client 400 to remind the financing party that the first financing request has not been 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 quota stored in the quota database 100 according to the first financing quota.

In this embodiment, the order quantity corresponding to the financier stored in the transaction database 200 is updated according to the effective order quantity in the first quota parameter; the transaction database 200 is updated according to the effective order quantity growth rate in the first quota parameter. The stored order volume growth rate corresponding to the financier and the like similarly update the first parameter stored in the transaction database 200. After the first parameters stored in the transaction database 200 and the current financing quota stored in the quota database 100 are updated, it is convenient for subsequent financing parties to continuously and dynamically finance.

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, repayment time, and the like. The transaction data receiving module 330 updates the repayment amount corresponding to the first financing request amount and the number of on-time repayment periods 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 data and the second financing request sent by the client 400 after the transaction.

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, basic information of the financing party, a second financing request date, and the like Financing related information.

The post-transaction transaction data includes invoice notes within a second preset time period. The second preset time period is before the second financing request date.

A quota trial calculation module 310 is configured to calculate a second quota parameter according to the transaction data after the transaction and a second parameter stored in the transaction database 200, and according to the second quota parameter and the quota The updated current financing amount in the database 100 calculates a 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 financier, the invoice amount, the invoice volume growth rate, the invoice volume growth rate growth rate, and the invoice average Amount, growth rate of average invoice amount, growth rate of average invoice amount, growth rate of remaining invoice, growth rate of remaining invoice amount, growth rate of remaining amount of invoice, growth rate of invoice balance, growth rate of invoice balance, and first financing request The repayment amount corresponding to the amount, the number of on-time repayment periods corresponding to the first financing request amount, the total number of repayment periods 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. Invoice balance refers to the invoice amount minus the financing amount of the invoice, and the remaining invoice amount refers to the number of invoices that have not expired.

In this embodiment, the quota trial calculation module 310 obtains a valid invoice ticket according to the invoice ticket within a 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: average effective invoice amount, number of invoice customers, effective invoice amount, effective invoice amount growth rate, effective invoice amount growth rate growth rate, average effective invoice amount, effective invoice average amount Growth rate, growth rate of average effective invoice growth rate, effective invoice remaining amount, effective invoice remaining amount growth rate, effective invoice remaining amount growth rate, growth rate, effective invoice balance, effective invoice balance growth rate, and first financing The repayment amount corresponding to the requested amount, the number of on-time repayment periods corresponding to the first financing request amount, and the total number of repayment periods corresponding to the first financing request amount. The second quota parameter may be a negative value, and may be a positive value.

The method for the quota trial calculation module 310 to obtain a valid invoice according to the invoice ticket in the second preset time period is as follows: the average amount of the valid invoice is calculated according to the amount of the invoice ticket in the second preset time period, and the average value of the valid invoice is calculated according to the valid invoice. Amount sets a range of amounts. If the amount of the invoice bill is within the amount range, the quota trial calculation module 310 determines that the invoice bill is a valid invoice. In this way, order documents with too small or too large invoice amounts can avoid large errors in the calculation of financing quotas.

In this embodiment, the quota calculation 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 for the invoice bills within a preset time period, and the number of valid invoice customers, the effective invoice amount, and the effective invoice balance are calculated based on the valid invoices in the second preset time period. The effective invoice balance refers to the effective invoice amount minus the financing amount of the effective invoice.

Compare the number of invoice customers with the number of invoice customers stored in the transaction database 200 to calculate the growth rate of the number of invoice customers.

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

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

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

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

In this embodiment, each parameter in the second quota parameter corresponds to a weight. The specific calculation formula for calculating the second financing quota by the quota trial calculation module 310 is as follows: the second financing quota = the updated current financing quota * {[(the weight corresponding to the growth rate of the number of invoice customers * (1 + the growth rate of the number of invoice customers) )] + [(Weight corresponding to effective invoice volume growth rate * (1+ Effective invoice volume growth rate)] + [(Weight corresponding to growth rate of effective invoice volume growth rate * (1+ Growth rate of effective invoice volume growth rate) )] + [(Weight corresponding to average growth rate of effective invoices * (1 + Average value growth rate of effective invoices)] + [(Weight corresponding to growth rate of average effective rate growth rates of effective invoices * (1 + Average amount growth of effective invoices Growth rate)] + [(weight corresponding to the growth rate of the effective invoice remaining amount * (1+ growth rate of the effective invoice remaining amount growth rate)] + [(weight to the growth rate of the effective invoice remaining amount growth rate * (1 + effective Growth rate of growth rate of invoice remaining amount)] + [(weight corresponding to growth rate of effective invoice balance growth rate * (1+ growth rate of effective invoice balance growth rate)] ++ ((weighting rate of growth rate of effective invoice balance growth rate * (1+ Growth rate of effective invoice balance growth rate)] + [1+ (Repaid amount corresponding to the first financing request amount Amount / first financing amount)] + [1+ (the number of on-time repayment periods corresponding to the first financing request amount / the total number of repayment periods corresponding to the first financing request amount)]}.

In other embodiments, the post-transaction transaction information may further include a proof that the third party guarantees the repayment of the financing party, a proof of financing policy to purchase insurance from the insurance company for the transaction, and so on. Therefore, the second quota parameter may also include parameters related to the proof that the financing party will repay, and parameters related to the financing policy's proof of purchasing insurance from the insurance company for the transaction, which can be used later Calculate the second financing line.

In other embodiments, when using the second quota parameter to calculate the second financing quota, it is not limited to the second quota parameter used in the above calculation formula. 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 a second financing service according to a second financing request amount and a 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 a financing service 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 can choose online transfer, etc. The financing module 320 transfers the second financing request amount to the account according to the account entered by the financing party in the financing service user interface. And generate electronic payment notes including bank digital signatures and more.

In this embodiment, the financing module 320 determines the total number of repayment periods 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 financier applies for financing to the financial institution again, the financing system will dynamically adjust the financing amount of the financier according to the repayment amount corresponding to the amount of the second financing request and the number of repayment periods on time.

When the amount of the second financing request is greater than the second financing amount, the financing module 320 sends a reminder message to the client 400 to remind the financing party that the second financing request has not been 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 quota according to the second financing quota.

In this embodiment, the invoice amount corresponding to the financing party stored in the transaction database 200 is updated according to the effective invoice amount in the second quota parameter; the transaction database 200 is updated according to the effective invoice amount growth rate in the second quota parameter. The stored growth rate of the invoice amount corresponding to the financier and the like similarly updates the second parameter stored in the transaction database 200. The current financing quota stored in the quota database 100 is updated to the second financing quota. After the second parameter stored in the transaction database 200 and the current financing quota stored in the quota database 100 are updated, subsequent financing can be facilitated by dynamic and continuous financing.

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, repayment time, and the like. The transaction data receiving module 330 updates the transaction data in the transaction database 200 according to the repayment information. The repayment amount corresponding to a financing request amount and the number of on-time repayment periods corresponding to the first financing request amount.

Through the present invention, the financing party can upload transaction data (transaction data such as order documents, post-transaction transaction data such as invoices, etc.) to the electronic device 500 for each transaction. For the transaction, the present invention adjusts the financing quota according to the data before the transaction and the data in the transaction database 200 to provide a financing service to the financing party. Based on the transaction information after the transaction and the repayment of the previous financing service, the financing quota is adjusted to provide the financing party with another financing service. Therefore, the present invention can change the financing amount from orders, production, shipments, invoices, receipts, etc. according to the transaction status, and can instantly and effectively reflect the status of customers and meet customer needs under controllable risks.

In the first application scenario of the present invention, when the financing party is the buyer, the buyer submits transaction data before the transaction in the form of a buyer's order payment guarantee. For the transaction, the financing system 300 adjusts the financing amount according to the order documents in the buyer's order payment guarantee. To provide the buyer with the first financing service. When the buyer uses the amount obtained from the financing to get the goods and sells the goods, the transaction invoice information is uploaded to the electronic device 500. The financing system 300 is based on the repayment status of the first financing service and the post-transaction The invoice information dynamically adjusts the financing limit, and then provides the buyer with another financing service.

In the second application scenario of the present invention, when the financing party is the seller, the seller submits the transaction data before the transaction in the form of an order payment guarantee. For the transaction, the financing system 300 provides the seller with the first order according to the order document in the order payment guarantee. Sub-financing services are used for production. When the seller produces the shipment and sells the shipment, the transaction invoice information is uploaded to the electronic device 500, and the financing system 300 is dynamically adjusted according to the repayment status of the first financing service and the invoice information after the transaction. Financing quota, and provide financing service to the seller again.

In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the modules is only a logical function division, and there may be another division manner in actual implementation.

The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical units, which 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 objective of the solution of this 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 separately physically, or two or more units may be integrated into one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of hardware plus software function modules.

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

It is obvious to a person skilled in the art that the present invention is not limited to the details of the above-mentioned exemplary embodiments, and the present invention can be implemented in other specific forms without departing from the spirit or basic features of the present invention. Therefore, regardless of the point of view, the embodiments should be regarded as exemplary and non-limiting. The scope of the present invention is defined by the scope of the attached patent application rather than the above description. The meaning of the equivalent scope of the patent scope and all changes within the scope are included in the present invention. Any associated figure mark in the scope of patent application should not be regarded as limiting the scope of patent application involved. In addition, it is clear that the word "comprising" does not exclude other units or steps, and that the singular does not exclude the plural. Multiple units or devices stated in the scope of the system's patent application can also be implemented by one unit or device through software or hardware. Words such as "first", "second" (if present) are used to indicate names, and do not indicate any particular order.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention and are not limiting. Although the present invention is described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention Modifications or equivalent substitutions can be made without departing from the spirit and scope of the technical solution of the present invention.

Claims (12)

A continuous dynamic credit financing method is applied to an electronic device, and the electronic device performs data interaction with a client. The method includes: receiving pre-transaction data and a first financing request sent by the client; Calculate the first quota parameter based on the transaction data before the transaction and the first parameter stored in the transaction database, and calculate the first financing quota based on the first quota parameter and the current financing quota stored in the quota database; according to the first financing in the first financing request The requested amount and the first financing quota determine the first financing service, and the first quota parameters include at least one or more of the following: effective order volume, effective order average price, effective order profit, effective order volume growth rate, effective order growth rate The growth rate, the growth rate of the effective order average price, the growth rate of the effective order average price growth rate, the growth rate of the effective order profit growth rate, and the growth rate of the effective order profit growth rate; updating the first stored in the transaction database according to the first quota parameter. A parameter to update the quota database according to the first financing quota Save the current financing quota; receive the post-transaction transaction information and the second financing request sent by the client; calculate the second quota parameter according to the post-transaction transaction information and the second parameter stored in the transaction database, and according to Calculating a second financing quota based on the second quota parameter and the updated current financing quota in the quota database; determining a second financing service according to the second financing request amount and the second financing quota included in the second financing request; and according to the The second quota parameter updates the second parameter stored in the transaction database, and updates the updated current financing quota according to the second financing quota; wherein the type of the second parameter is different from the type of the first parameter. The continuous dynamic credit financing method according to item 1 of the scope of patent application, wherein the pre-transaction transaction information includes order documents within a first preset time period, third-party guarantee financing party's repayment certificate and financing policy Proof of the transaction to purchase insurance from an insurance company, wherein the first preset time period is a time period before the first financing request date. The continuous dynamic credit financing method according to item 2 of the scope of patent application, wherein calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database includes: according to a first preset time The order document in the segment obtains a valid order document; and the first quota parameter is calculated according to the valid order document in the first preset time period and the first parameter stored in the transaction database, and the first parameter includes at least the following One or more types: order volume, order average price, order profit, order volume growth rate, order average price growth rate, and order profit growth rate corresponding to the financing party. The continuous dynamic credit financing method according to item 1 of the scope of patent application, wherein when the amount of the first financing request is less than or equal to the first financing amount, the financing party is provided with an amount based on the amount of the first financing request. A first financing service; or when the first financing request amount is greater than the first financing amount, sending a reminder message to the client to remind the financing party that the first financing request has not been approved; or when the first financing request is not approved; When the amount of the second financing request is less than or equal to the second financing amount, providing a second financing service based on the second financing request amount to the financier; or when the amount of the second financing request is greater than the second financing amount Sending a reminder message to the client to remind the financier that the second financing request has not been approved. According to the continuous dynamic credit financing method described in item 1 of the scope of patent application, the post-transaction transaction information includes invoice notes within a second preset time period, proof of repayment by a third-party guarantee financing party, and financing party's response to the transaction Proof of purchasing insurance from an insurance company, wherein the second preset time period is a time period before a second financing request date. The continuous dynamic credit financing method according to item 5 of the scope of patent application, wherein the calculation of the second quota parameter according to the post-transaction transaction data and the second parameter stored in the transaction database includes a second preset Obtain a valid invoice for the invoice within the time period; and calculate the second quota parameter according to the valid invoice within 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 amount of invoices, the growth rate of invoices, the growth rate of invoices, the average amount of invoices, the average amount of invoices, the growth rate of average invoices, invoices Remaining amount, growth rate of remaining invoice amount, growth rate of remaining amount of invoice, growth rate of invoice balance, growth rate of invoice balance, repayment amount corresponding to first financing request amount, on-time corresponding to first financing request amount The number of repayment periods and the total number of repayment periods corresponding to the amount of the first financing request; the second quota parameter includes at least one of the following or A variety of types: average effective invoice amount, number of invoice customers, effective invoice volume, effective invoice volume growth rate, effective invoice volume growth rate, growth rate, effective invoice average amount, effective invoice average amount growth rate, effective invoice average amount growth rate. Growth rate, effective invoice remaining amount, effective invoice remaining amount growth rate, effective invoice remaining amount growth rate, growth rate, effective invoice balance, effective invoice balance growth rate, repayment amount corresponding to the first financing request amount, and The number of on-time repayment periods corresponding to the first financing request amount and the total number of repayment periods corresponding to the first financing request amount. A continuous dynamic credit financing system running in an electronic device that performs data interaction with a client. The system includes a transaction data receiving module for receiving transaction data before the transaction sent by the client. And the first financing request; a quota trial calculation module for calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database, and calculating based on the first quota parameter and the current financing quota stored in the quota database A first financing quota; a financing module for determining a first financing service according to the first financing request amount and the first financing quota in the first financing request, and the first quota parameter includes at least one or more of the following: a valid order amount , Average effective order price, effective order profit, effective order volume growth rate, effective order growth rate growth rate, effective order average price growth rate, effective order average price growth rate, growth rate, effective order profit growth rate, and effective order profit Growth rate; the transaction data receiving module is further configured to: The parameter updates the first parameter stored in the transaction database, and updates the current financing quota 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 after Transaction data and second financing request; the quota trial calculation module is further configured to calculate a second quota parameter based on the transaction data after the transaction and a second parameter stored in the transaction database, and according to the second quota parameter and the The updated current financing quota in the quota database is used to calculate the second financing quota; the financing module is further used to determine the second financing service according to the second financing request amount and the second financing quota included in the second financing request; and The transaction data receiving module is further configured to update a second parameter stored in the transaction database according to the second quota parameter, and update the updated current financing quota according to the second financing quota; wherein the second parameter is The kind is different from the kind of the first parameter. The continuous dynamic credit financing system as described in item 7 of the scope of patent application, wherein the transaction data before the transaction includes order documents within a first preset time period, proof of repayment by a third-party guarantee financier, and financing policies Proof of the transaction to purchase insurance from an insurance company, wherein the first preset time period is a time period before the first financing request date. The continuous dynamic credit financing system according to item 8 of the scope of patent application, wherein the calculating the first quota parameter according to the transaction data before the transaction and the first parameter stored in the transaction database includes: according to a first preset time The order document in the segment obtains a valid order document; and the first quota parameter is calculated according to the valid order document in the first preset time period and the first parameter stored in the transaction database, and the first parameter includes at least the following One or more types: order volume, order average price, order profit, order volume growth rate, order average price growth rate, and order profit growth rate corresponding to the financing party. The continuous dynamic credit financing system according to item 7 of the scope of the patent application, wherein the financing module is further configured to, when the amount of the first financing request is less than or equal to the first financing amount, notify the financing party Providing a first financing service based on a first financing request amount; or the financing module is further configured to send a reminder message to the client to prompt financing when the first financing request amount is greater than the first financing amount. The first financing request of the party is not approved; or the financing module is further configured to provide the financing party with a second financing request based on the second financing request when the amount of the second financing request is less than or equal to the second financing amount. A second financing service of an amount; or the financing module is further configured to send a reminder message to the client when the amount of the second financing request is greater than the second financing amount to prompt the financing party of the second financing The request was not approved. According to the continuous dynamic credit financing system described in item 7 of the scope of patent application, the post-transaction transaction information includes invoice notes within the second preset time period, proof of repayment by third-party guarantee financiers, and financing party's targeted transactions Proof of purchasing insurance from an insurance company, wherein the second preset time period is a time period before a second financing request date. The continuous dynamic credit financing system according to item 11 of the scope of patent application, wherein the calculation of the second quota parameter according to the transaction data after the transaction and the second parameter stored in the transaction database includes a second preset Obtain a valid invoice for the invoice within the time period; and calculate the second quota parameter according to the valid invoice within 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 amount of invoices, the growth rate of invoices, the growth rate of invoices, the average amount of invoices, the average amount of invoices, the growth rate of average invoices, invoices Remaining amount, growth rate of remaining invoice amount, growth rate of remaining amount of invoice, growth rate of invoice balance, growth rate of invoice balance, repayment amount corresponding to first financing request amount, on-time corresponding to first financing request amount Number of repayment periods and total number of repayment periods corresponding to the amount of the first financing request; the second quota parameter includes at least one of the following A variety of types: average effective invoice amount, number of invoice customers, effective invoice volume, effective invoice volume growth rate, effective invoice volume growth rate, growth rate, effective invoice average amount, effective invoice average amount growth rate, effective invoice average amount growth rate. Growth rate, effective invoice remaining amount, effective invoice remaining amount growth rate, effective invoice remaining amount growth rate, growth rate, effective invoice balance, effective invoice balance growth rate, repayment amount corresponding to the first financing request amount, and The number of on-time repayment periods corresponding to the first financing request amount and the total number of repayment periods corresponding to the first financing request amount.