TWI650725B - Review the business operations method and financial servlet - Google Patents

Abstract

A method for reviewing a business operation status is implemented by a financial server unit. The financial server unit is connected to a point-of-sale terminal and a number of person detecting devices both disposed in a merchant via a communication network. The method includes the following steps: A) after receiving a sales record and a number of customers, the sales record and a customer record related to the number of customers are respectively stored in the sales data and the customer data; (B) according to a correspondence in a second time interval a sales record and a customer record for each first time interval, determining whether there is an abnormal record in which at least one of the sales records in the same first time interval is greater than the corresponding number of customers; and (C) according to the step ( The decision result of B) produces a review of the business status of the merchant.

Description

Review the business operations method and financial servlet

The present invention relates to a method of review, and more particularly to a method and system for reviewing a business operation condition for reviewing the operational status of a merchant.

Existing financial institutions, such as banks, when they provide corporate lending services, often obtain the financial information of the enterprise to assess the operating status of the enterprise. However, many small and micro enterprises are unable to provide financial information, which leads financial institutions to grasp The actual operating conditions create difficulties. As a result, the willingness of financial institutions to lend to small and micro enterprises that cannot provide financial information is reduced.

Even if small and micro enterprises are willing to provide their sales information to financial institutions for review, there is great doubt about the authenticity of the sales information provided by small and micro enterprises without any verification procedures. Therefore, how to effectively verify and evaluate The operation of small and micro enterprises is an urgent problem to be solved.

Accordingly, it is an object of the present invention to provide a method of reviewing a merchant's operational status by reviewing the operational status of a merchant.

Therefore, the method for reviewing the business operation status of the present invention is applicable to reviewing the operation status of a merchant, and is implemented by a financial server unit via a communication network and a point-of-sale terminal and a number of persons both disposed at the merchant. Detecting device connection, the financial server unit stores sales data and customer data related to the point-of-sale terminal, and the method for reviewing the business operation status includes the following steps: (A) receiving a sales record at the financial server unit, and After the number of customers detects the number of customers in a first time interval, the sales record includes at least one transaction record related to at least one transaction of the point-of-sale terminal in the first time interval, and the financial server unit The sales record and a customer record associated with the number of customers are respectively stored in the sales data and the customer data; (B) the financial server unit is based on the stored sales data and one of the second time intervals of the customer data The sales record and the customer record corresponding to each first time interval are determined to determine whether there is at least one in the same The number of transaction records of the sales record in the time interval is greater than the abnormal record of the corresponding number of customers; and (C) the financial server unit generates a review result related to the operation status of the merchant according to the determination result of step (B) .

Another object of the present invention is to provide a financial servant unit that reviews the operational status of a merchant.

Therefore, the financial servo unit of the present invention is suitable for reviewing the operation status of a merchant, and is connected to a point of sale terminal and one person both of the merchants via a communication network. The number detecting device is connected, and the financial servo unit includes a review server.

The review server stores sales data and customer data related to the point-of-sale terminal, and the review server receives a sales record, and a number of customers counted by the number detecting device in a first time interval The sales record includes at least one transaction record related to at least one transaction of the point-of-sale terminal in the first time interval, and the review server stores the sales record and a customer record related to the number of customers in the sales separately In the data and the customer data, the review server determines whether there is at least one according to the sales record and the customer record corresponding to each of the first time intervals in the second time interval of the stored sales data and the customer data. The number of transaction records of the sales record in the same first time interval is greater than the abnormal record of the corresponding number of customers, and the review server generates an operation status related to the merchant according to whether the determination result of the at least one abnormal record exists The results of the review.

The effect of the present invention is that the financial servo unit determines whether the sales record related to the sales point terminal in the second time interval has the number of transaction records of the sales record in the same first time interval is greater than An abnormal record of the number of customers corresponding to verify and evaluate the business status of the merchant.

1‧‧‧Financial SERVOPACK

2‧‧‧Point of Sale Terminal

3‧‧‧number detection device

31‧‧‧ Shooting unit

32‧‧‧Communication unit

33‧‧‧Processing unit

4‧‧‧Censoring the server

5‧‧‧Data Server

6‧‧‧Credit rating server

100‧‧‧Communication network

101‧‧‧Internal communication network

701~716‧‧‧Steps

Other features and effects of the present invention will be apparent from the embodiments of the drawings, wherein: 1 is a block diagram showing an embodiment of a financial servo unit of the present invention connected to a point-of-sale detecting device via a communication network and a point-of-sale terminal; FIG. 2 is a flow chart illustrating the implementation of the method for reviewing the business condition of the present invention. A review result generating program in the example; and FIG. 3 is a flowchart illustrating a credit rating obtaining program in the embodiment of the method for reviewing the business operation status of the present invention.

Referring to FIG. 1, a review business operation system is suitable for reviewing the operational status of a merchant, and includes an embodiment of the financial server unit 1 of the present invention, a point-of-sale terminal 2, and a person detecting device 3. The point-of-sale terminal 2 and the number of people detecting devices 3 are disposed in the merchant and connected to the financial server unit 1 via a communication network 100.

The point-of-sale terminal 2 can provide a sales checkout function and an enterprise resource planning function, and can be used to transmit a sales record related to the merchant to the financial server unit 1 via the communication network 100. The sales record includes at least one transaction record associated with at least one transaction of the point of sale terminal 2 in a first time interval.

The number detecting device 3 is configured to count the number of customers of the merchant in the first time interval, and transmit the number of customers to the financial server unit 1 via the communication network 100. In this embodiment, the implementation of the number detecting device 3 includes a shooting unit 31 disposed at the door of the merchant, and a communication unit connected to the communication network 100. 32. The imaging unit 31 and the processing unit 33 of the communication unit 32 are electrically connected. The photographing unit 31 is configured to continuously capture a plurality of images of customers entering and leaving the door of the merchant in the first time interval, and transmit the images to the processing unit 33. The processing unit 33 is configured to receive the images and identify the silhouette portion of the images by using an image recognition technology, and then count the number of characters according to the recognized silhouette portion, and finally divide the number of the images by 2 to obtain The number of customers is transmitted to the financial server unit 1 via the communication unit 32. However, in other embodiments of the present invention, the number detecting device 3 may further include, for example, a counter of a person made by using an infrared sensor, a communication unit 32 connected to the communication network 100, and an electrical connection counter. The processing unit 33 of the communication unit 32, by means of which the number of customers of the merchant is counted, is not limited to the embodiment disclosed in the present invention.

The financial server unit 1 includes a review server 4, a data server 5, and a credit rating server 6. The review server 4 is connected to the point of sale terminal 2 and the number of people detecting device 3 via the communication network 100, and stores sales information and customer data related to the point of sale terminal 2. The data server 5 is connected to the point of sale terminal 2 and the number detecting device 3 via the communication network 100, and is electrically connected to the review server 4, and stores sales data and customer data related to the point of sale terminal 2. Bank transaction data related to the merchant and including multiple bank transaction records, and credit information related to the merchant and including multiple credit records. Wherein the credit information may include, for example, an asset record related to the asset status of the merchant holding the point-of-sale terminal 2 and related thereto A credit record of the credit status of the merchant, a public transaction record associated with the transaction disclosed by the merchant at the joint credit bureau, the asset record, the credit record, and the public transaction record collectively constitute a credit record. The credit rating server 6 is connected to the point of sale terminal 2 via the communication network 100, and is electrically connected to the review server 4 and the data server 5. In this embodiment, the review server 4 and the data server 5 store sales data and customer data related to the point of sale terminal 2, and the point of sale terminal 2 and the number of people detecting device 3 are The communication network 100 transmits the sales record and the number of customers to the data server 5, and the data server 5 transmits the sales record and the number of customers to the review server 4. However, in other embodiments of the present invention, only the review server 4 stores the sales information and customer data related to the point of sale terminal 2, and the point of sale terminal 2 and the number of people detecting device 3 are The sales record and the number of customers are respectively transmitted to the review server 4 via the communication network 100, but not limited thereto.

In this embodiment, the financial server unit 1 is a server with high computing power, and the review server 4, the data server 5, and the credit rating server 6 are respectively The virtual machine (Virtual Machine), the review server 4 and the data server 5 are connected to the credit rating server 6 via the internal communication network 101, respectively. However, in other embodiments of the present invention, the financial server unit 1 may also be a server unit composed of a plurality of separate servers, and the review server 4, the data server 5, and the credit rating servo 6 respectively Multiple separate servers in the server unit.

Referring to FIG. 1, FIG. 2 and FIG. 3, the operation of the point-of-sale terminal 2, the number detecting device 3 and the components of the financial servo unit 1 will be described below in conjunction with the embodiment of the method for reviewing the business operation of the present invention. The embodiment includes a review result generating program and a credit rating obtaining program in sequence. The review result generating program includes steps 701 to 709, and the credit rating obtaining program includes steps 710 to 716.

In step 701, the point-of-sale terminal 2 transmits the sales record to the material server 5 of the financial server unit 1 via the communication network 100. The sales record includes the at least one transaction record associated with the at least one transaction of the point of sale terminal 2 in the first time interval. Each transaction record contains multiple order items and their corresponding amounts, a trading time and a total transaction amount.

In step 702, after the data server 5 receives the sales record, the data server 5 stores the sales record in the sales data and transmits the sales record to the review server 4.

In step 703, after the review server 4 receives the sales record, the review server 4 stores the sales record in the sales data.

In step 704, the number detecting device 3 counts the number of customers related to the merchant in the first time interval, and transmits the number of customers to the data server 5 of the financial server unit 1 via the communication network 100.

In step 705, after the data server 5 receives the number of customers, The data server 5 stores a customer record of the number of customers in the customer profile and transmits the number of customers to the review server 4.

In step 706, after the review server 4 receives the number of customers, the review server 4 stores the customer record of the number of customers in the customer profile.

In step 707, the review server 4 determines whether there is at least one of the stored sales records and the customer records corresponding to each of the first time intervals in the second time interval of the sales data and the customer data. The number of transactions recorded in the sales record in the same first time interval is greater than the abnormal record of the corresponding number of customers. When the review server 4 determines that the at least one abnormal record exists, the flow proceeds to step 708; otherwise, the flow proceeds to step 709.

For example, the first time interval may be, for example, the business day of the merchant, and the second time interval may be, for example, one month. The point-of-sale terminal 2 can be configured to start recording the at least one transaction record at a beginning business day of each day, and compose the recorded at least one transaction record into the sales record and transmit to the data server at an end of business hours. 5. The number detecting means 3 can be configured to initiate a count of the number of people up to the end of business hours at the start of business each day, and transmit the counted number of customers to the data server 5 at the end of business hours. The review server 4 determines whether there is an abnormality in the sales record and the customer record corresponding to each day based on the sales records and the customer records stored in one month (that is, the transaction record pen of the sales record in the same day). Whether the number is greater than the number of customers corresponding to it).

In step 708, the review server 4 generates a review result relating to the business condition of the merchant and indicating the presence of the at least one abnormal record.

In step 709, the review server 4 generates a review result relating to the business condition of the merchant and indicating that there is no abnormal record.

In step 710, the review server 4 obtains a first turnover based on the stored sales records in the second time interval in the sales data. In this embodiment, the review server 4 sums the total transaction amount included in each transaction record in each sales record in the second time interval to obtain the first turnover amount.

In step 711, the review server 4 is based on the stored customer records in the second time interval in the customer profile, a predetermined amount of the predetermined consumption amount related to the average consumption amount of each customer, and a The predetermined correction coefficient associated with the merchant obtains a second turnover. In this embodiment, the second turnover is a product of the sum of the number of customers in the second time interval and the predetermined consumption amount and the predetermined correction coefficient, and the method for obtaining the predetermined consumption amount can be calculated by calculating The average amount of transactions included in each transaction record in the sales data stored by the review server 4 is obtained. The sum of the number of customers in the second time interval and the predetermined amount of consumption is a estimated turnover, so that the total number of customers in the second time interval can be increased by the predetermined consumption. The product of the amount is multiplied by the predetermined correction factor to correct the second turnover. However, in other embodiments of the present invention, the sum of the number of customers in the second time interval may be directly added to the predetermined amount of consumption. The product is used as the second turnover without having to multiply the predetermined correction factor. The predetermined correction coefficient may be obtained by a plurality of first turnovers corresponding to the same second time interval and an uncorrected second turnover, when each pen corresponds to the first turnover of the same second time interval and is uncorrected The ratio between the second turnovers is always close to a certain value, and the merchant can propose that the first turnover is not a false report, then the predetermined correction coefficient can be set to the fixed value.

In step 712, the review server 4 obtains an estimated turnover based on the first turnover and the second turnover. In this embodiment, the review server 4 compares the first turnover amount and the second turnover amount to obtain a smaller turnover, which is used as the estimated turnover, but is not limited thereto. this.

In step 713, the review server 4 transmits the review result and the estimated turnover to the credit rating server 6.

In step 714, after the credit rating server 6 receives the review result and the estimated turnover, the credit rating server 6 transmits a data request to the data server 5.

In step 715, after the data server 5 receives the data request, the data server 5 records the bank transaction in the second time interval in the bank transaction data, and the first in the credit information. The credit history record in the two time interval is transmitted to the credit rating server 6.

In step 716, the credit rating server 6 receives the second time. After the bank transaction record in the interval and the credit record in the second time interval, the credit rating server 6 is based on the review result, the estimated turnover, and the bank transaction record in the second time interval. The credit record is obtained, and a credit rating related to the merchant is obtained.

For example, when there is no abnormality in the bank transaction records in the second time interval, the overall asset record of the credit history record in the second time interval is higher, the overall credit record is better, and the overall public transaction record is abnormal. The lesser the abnormality record exists in the review results, and the higher the estimated turnover, the higher the credit rating will be.

In summary, the present invention reviews a merchant operating status method and system thereof, and the review server 4 determines whether the sales record related to the point of sale terminal 2 in the second time interval has the at least one same time. The transaction record of the sales record in the interval is greater than the abnormal record of the corresponding number of customers, to verify and evaluate the operation status of the merchant, and further, the credit rating server 6 according to the review result, the estimated business The amount, and the bank transaction records and credit records in the second time interval obtain the credit rating, so that the financial institution can use the credit rating to establish its risk control mechanism for credit, credit and interim management. Therefore, the object of the present invention can be achieved.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the simple equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still Within the scope of the invention patent.

Claims (10)

A method for reviewing a business operation condition is applicable to reviewing the operation status of a merchant and is implemented by a financial server unit, which is connected to a point-of-sale terminal and a number of persons installed at the merchant via a communication network. Connected to the device, the financial server unit stores sales information and customer data related to the point-of-sale terminal, and the method for reviewing the business operation status includes the following steps: (A) receiving a sales record at the financial server unit, and After the number detecting device counts the number of customers in a first time interval, the sales record includes at least one transaction record related to at least one transaction of the point-of-sale terminal in the first time interval, the financial servo unit sales the Recording and a customer record relating to the number of customers are respectively stored in the sales data and the customer data; (B) the financial server unit is based on the stored sales data and one of the customer data in the second time interval Corresponding to the sales record and the customer record of each first time interval, determining whether there is at least one at the same first time Sales records transactions between the customer number is greater than the record items corresponding to the abnormal recording; the financial servo unit and (C) according to the determination result of step (B) is generated in relation to a review of the operating conditions of the merchant. The method for reviewing the business operation status as described in claim 1 further includes the following steps after step (C): (D) the financial server unit obtains a first turnover amount based on the sales record in the second time interval in the stored sales data; (E) the financial server unit is based at least on the stored customer data a customer record in the second time interval, and a predetermined amount of consumption corresponding to the average consumption amount of each customer, obtaining a second turnover amount; and (F) the financial server unit according to the first turnover amount And the second turnover, an estimated turnover. The method for reviewing a business operation status as described in claim 2, wherein, in the step (E), the financial server unit not only according to the stored customer record in the second time interval of the customer data, and the predetermined consumption The amount is also obtained based on a predetermined correction factor associated with the merchant. The method for reviewing the business operation status as described in claim 2 or 3, further comprising the following steps after the step (F): (G) the financial servant unit obtains at least one relevant information according to the review result and the estimated turnover amount. Merchant credit rating. The method for reviewing a business operation status as described in claim 4, the financial server unit further storing bank transaction data related to the merchant and including a plurality of bank transaction records, and the levy related to the merchant and including multiple credit history records The information, wherein, in step (G), the financial server unit is based not only on the review result and the estimated turnover, but also on the bank transaction data The bank transaction record in the second time interval and the credit record in the second time interval in the credit information obtain the credit rating. A financial server unit is configured to review a business condition of a merchant, and is connected to a point-of-sale terminal and a number of person detecting devices respectively disposed at the merchant via a communication network, the financial server unit comprising: a review server, storing There is sales data and customer information related to the point-of-sale terminal, and after the review server receives a sales record and a number of customers counted by the number detecting device in a first time interval, the sales record includes At least one transaction record relating to at least one transaction of the point-of-sale terminal in the first time interval, the review server respectively storing the sales record and a customer record related to the number of customers in the sales data and the customer data The review server determines whether there is at least one of the first time according to the sales record and the customer record corresponding to each of the first time intervals in the second time interval of the stored sales data and the customer data. The audit record of the sales record in the interval is greater than the abnormal record of the corresponding number of customers, the review server According to the existence of the at least one abnormality record of determination result, a review of the situation related to the operation of the business. The financial server unit of claim 6, wherein the review server further obtains a first turnover amount according to the stored sales record in the second time interval in the sales data, and at least according to the stored Customer records in the second time interval in the customer profile, and a predetermined and relevant A second turnover is obtained for the predetermined consumption amount of the average consumption amount of each customer, and an estimated turnover is obtained according to the first turnover and the second turnover. The financial server unit of claim 7, wherein the financial server unit is based not only on the customer record in the second time interval of the stored customer data, but also the predetermined amount of consumption, and is further related to the merchant. The predetermined correction factor is obtained for the second turnover. The financial server unit of claim 7 or 8, further comprising a credit rating server electrically connected to the review server, the review server transmitting the review result and the estimated turnover to the credit rating server After the credit rating server receives the review result and the estimated turnover, the credit rating server obtains a credit rating related to the merchant based on the review result and the estimated turnover. . The financial server unit of claim 9, further comprising a data server electrically connected to the credit rating server, wherein the data server stores bank transaction data related to the merchant and including a plurality of bank transaction records, and a bank transaction record in the second time interval in the bank transaction data related to the merchant and including credit information of the plurality of credit information records, and the second time interval in the credit information The credit information record is transmitted to the credit rating server, and the credit rating server receives the review result, the estimated turnover, the bank transaction record in the second time interval, and the second time interval. After the credit report, the credit rating servo Not only based on the review result and the estimated turnover, but also based on the bank transaction record in the second time interval in the bank transaction data, and the credit history record in the second time interval in the credit information. Get the credit rating.