TWI786654B - E-commerce platform server and method to assisting in obtaining loan - Google Patents

Abstract

The present invention discloses an e-commerce platform server and a method to assist in obtaining loan. The e-commerce platform is connected to an owner device and a lending institution server via the internet. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module stores an owner data and an operating data. The transmission module receives a loan request from the owner device. According to the loan request, the processing module obtains the owner data and the operating data corresponding to the owner device from the memory module. The processing module executes a repayment ability evaluation model based on the operating data to obtain an evaluation report. The transmission module sends the evaluation report to the owner device, and after receiving a confirmed request from the owner r device, the transmission module sends the operating data to the lending institution server. .

Description

E-commerce platform server and method for assisting in obtaining loans

The invention relates to a network server used for an e-commerce platform.

With the rapid development of communication and network-related industries, e-commerce is also booming, especially online shopping e-commerce platforms, which are frequently used by consumers. Therefore, in addition to setting up their own websites to sell products or services, business owners are more frequently selling products or services through online shopping e-commerce platforms. The e-commerce platform refers to the stores or manufacturers operated by the business owner as suppliers, and has a supplier database to store the business owner information corresponding to each supplier.

Generally speaking, when a financial institution (such as a bank) that provides loan services reviews a business owner's personal loan, it is based on the business owner's personal tax return, financial visa, real estate information, personal credit score of the financial joint credit investigation of the consortium legal person, or judicial Court litigation records, etc. In the case of a small supplier business owner who needs to prepare a lot of funds, only reviewing the business owner's personal financial status will not be able to objectively evaluate the business owner's financial status, which will make it difficult for the business owner to obtain loans for their own purposes. For example, in the case of joint income tax filing by husband and wife, the annual income of the business owner will appear to be low, making it difficult to obtain a loan from the bank.

In addition, when an individual business owner applies for credit, he or she needs to prepare a sales and tax declaration (401) statement for the past year to prove the company's financial strength. Therefore, in addition to the personal credit status of the business owner, the financial status of the company will also be the key to the success of credit, making it more complicated for business owners to apply for credit than ordinary people, and it may also be more difficult to get approved.

In view of the above-mentioned problems, the main purpose of the present invention is to provide an e-commerce platform server and method for assisting in obtaining loans, so as to solve the problem that conventional financial institutions carry out loan verification methods, which cannot objectively evaluate the financial status of business owners of suppliers The problem.

To achieve the above purpose, the present invention provides an e-commerce platform server that assists in obtaining loans, which is connected to at least one enterprise host device and a lending institution server through a network. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module includes a supplier database and a transaction database. The supplier database stores at least one business owner information. The transaction database stores at least one operating data corresponding to the business owner data. The transmission module receives a loan request from the enterprise host device. The processing module is electrically connected with the memory module and the transmission module. According to the loan request, the processing module obtains the business owner data and operation data corresponding to the business master terminal device from the supplier database and the transaction database respectively. In addition, the processing module executes a repayment ability assessment model based on the operating data to obtain an assessment report. The processing module transmits the evaluation report to the enterprise main-end device through the transmission module, and after receiving a confirmed loan request from the enterprise main-end device, it transmits the operation data to the server of the lending institution. The transmission module obtains a loan verification result from the lending institution server, and transmits it to the enterprise main terminal device.

In order to achieve the above purpose, the present invention further provides a method for assisting in obtaining a loan, which is applied to a server of an e-commerce platform. The e-commerce platform server is connected to at least one enterprise main terminal device and a lending institution server through the network. The e-commerce platform server stores at least one business owner data and at least one corresponding operation data. The method for assisting in obtaining a loan includes the following steps: receiving a loan request from the enterprise's master device; obtaining the business owner's information and operating data corresponding to the enterprise's master device from the e-commerce platform server according to the loan request; performing a repayment using the operating data Obtain an assessment report in the capacity assessment mode; send the assessment report to the enterprise host device, and receive a confirmation loan request from the enterprise host device; transmit operation data to the lending institution server; and receive a loan review result from the lending institution server , and send it to the enterprise master device.

According to one embodiment of the present invention, the server of the lending institution executes the repayment ability evaluation mode based on the operating data to obtain the loan review result.

According to an embodiment of the present invention, the assessment report includes a loan amount, a loan interest rate and a repayment schedule.

According to an embodiment of the present invention, the operating data includes information on accounts receivable, information on accounts payable and information on sales quantity.

In order to achieve the above purpose, the present invention further provides an e-commerce platform server that assists in obtaining loans, which is connected to at least one enterprise host device and a lending institution server through a network. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module includes a supplier database and a transaction database. The supplier database stores at least one business owner information. The transaction database stores at least one operating data corresponding to the business owner data. The transmission module receives a loan request from the enterprise host device. The processing module is electrically connected with the memory module and the transmission module. According to the loan request, the processing module obtains the business owner data and operation data corresponding to the business master terminal device from the supplier database and the transaction database respectively. The processing module transmits the operation data to the server of the lending institution through the transmission module, and the transmission module receives a loan review result from the server of the lending institution, and transmits it to the enterprise host device. The server of the lending institution executes a repayment ability evaluation mode based on the operating data to obtain the loan review result.

In order to achieve the above purpose, the present invention further provides a method for assisting in obtaining loans, which is applied to a server of an e-commerce platform. The e-commerce platform server is connected to at least one enterprise main terminal device and a lending institution server through the network. The e-commerce platform server stores at least one business owner data and at least one corresponding operation data. The method for assisting in obtaining a loan includes the following steps: receiving a loan request from the enterprise main terminal device; obtaining the business owner information and operation data corresponding to the enterprise main terminal device from the e-commerce platform server according to the loan request; sending the operation data to the lending institution server server; and receiving a loan review result from the lending institution server, and sending it to the enterprise main terminal device. Wherein, the server of the lending institution executes a repayment ability assessment mode based on the operation data to obtain the loan examination result.

According to an embodiment of the present invention, the operating data includes information on accounts receivable, information on accounts payable and information on sales quantity.

Based on the above, according to the e-commerce platform server and the method for assisting in obtaining loans executed by the present invention, the e-commerce platform server includes a memory module and a processing module. The memory module includes a supplier database and a transaction database to store the supplier's owner information and operation information respectively. After the processing module receives the loan request from the enterprise master device, it can respectively obtain the business owner data and operation data corresponding to the business master device from the supplier database and the transaction database. The processing module can first execute the repayment ability evaluation model based on the operating data to obtain the evaluation report. Therefore, business owners or directors (lenders) can rely on the real-time operating information (such as sales volume, accounts receivable and accounts payable, etc.) of the suppliers they own or hold shares on the e-commerce platform as repayment One of the analysis elements of the capacity assessment model, which can increase the probability of suppliers obtaining loans.

In addition, the processing module first executes the repayment ability evaluation model based on operating data to obtain an evaluation report, and can even exclude lenders who disagree with the approved loan amount, loan interest rate, or repayment schedule in advance (that is, give up applying for a loan). Similarly, the e-commerce platform server can also exclude lenders who are not eligible for loan approval in advance, thereby speeding up the overall efficiency of lending institutions in reviewing loans.

In order to better understand the technical content of the present invention, preferred specific embodiments are given as follows.

Figure 1 is a schematic diagram of the use environment of the e-commerce platform server in the first embodiment of the present invention, and Figure 2 is a flow chart of the steps of the method for assisting in obtaining loans in the first embodiment of the present invention, please refer to Figure 1 and Figure 2 Show. The e-commerce platform server 1 in this embodiment is a server operated by an e-commerce platform (especially an online shopping platform), or called a server host. The e-commerce platform server 1 generates a function of assisting in obtaining a loan by executing the method for assisting in obtaining a loan as shown in FIG. 2 , the details of which will be described in detail later.

Moreover, the e-commerce platform server 1 has a communication function, and can be connected to at least one business owner device 8 and a lending institution server 9 through the network. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (Virtual Private Network, VPN). Wherein, the "business owner's device 8" in this embodiment refers to an electronic device operated by the business owner, and is an electronic device with a communication function. Among them, the business owner referred to in this embodiment refers to the person in charge of the supplier (in this embodiment, it refers to the product supplier that cooperates with the e-commerce platform operator, including the supplier of the product, or the manufacturer of its own brand) or directors owning its shares. Moreover, the enterprise host device 8 can be, for example but not limited to, a personal computer, a tablet computer (PAD), a smart phone, a PDA, and other electronic devices that execute computer software. FIG. 1 is an example of a personal computer.

The lending institution server 9 of the present embodiment includes banks, post offices, or other network servers with financial institutions such as financing services, and may also include private companies that carry out lending, and other specific contents are further described later. When the business owner has capital turnover needs, he can use the e-commerce platform server 1 of this embodiment to apply for a loan by operating the business owner's terminal device 8 .

As shown in FIG. 1 , the e-commerce platform server 1 includes a memory module 10 and a processing module 20 . The memory module 10 can be a fixed or removable non-transitory computer-readable storage medium, including but not limited to random access memory (random access memory, RAM), read-only memory (read-only memory) , ROM), flash memory, optical disc, or other similar components, or a combination of the above components, and used to store the method of assisting in obtaining a loan and multiple corresponding instructions as shown in Figure 2. Moreover, the memory module 10 of this embodiment includes a supplier database 11 and a transaction database 12, which are electrically connected to each other. Specifically, the memory module 10 is a non-transitory computer-readable storage medium, and its storage space can be divided into a supplier database 11 and a transaction database 12 .

The supplier database 11 is used to store the basic information of each supplier, and includes the information of the business owner corresponding to each supplier. Specifically, when a business owner applies to become a store or a product or service provider on an e-commerce platform, the business owner must provide the basic information of the supplier. For example, basic information such as the supplier's login account on the e-commerce platform, the supplier's person in charge, director, telephone number, address, type of goods (or services) supplied, capital amount, etc. Wherein, the information of the business owner in this embodiment includes the information of the person in charge and/or the director of the supplier.

The transaction database 12 is used to store transaction data corresponding to suppliers and operation-related data (hereinafter referred to as operation data). In other words, the transaction database 12 corresponds to the business data of the business owner. In addition, the supplier's monthly or quarterly supply and sales are also stored in the transaction database 12 . Generally speaking, suppliers provide products or services for sale on e-commerce platforms for online shopping. After consumers complete the order on the e-commerce platform, most of the goods are shipped by the e-commerce platform, and a few are directly shipped by the supplier. In addition, the payments made by consumers are first received by the e-commerce platform, and the e-commerce platform usually pays the supplier on a monthly basis. Therefore, the e-commerce platform server 1 can obtain relevant information such as shipments, inventory, accounts receivable and accounts payable of each supplier.

Moreover, the processing module 20 can be, for example but not limited to, one or more central processing units (central processing unit, CPU), microcontrollers (micro control unit, MCU), digital signal processors (digital signal processor, DSP), or Other electronic components or integrated circuits (ICs) capable of signal processing, logic operations, and electronic device control. Wherein, the processing module 20 includes a chip set formed by a plurality of units (such as a calculation unit 21 , a search unit 22 and an evaluation unit 23 ). The processing module 20 is electrically connected with the memory module 10, and is used to access data from the transaction database 12, execute multiple instructions corresponding to the method of assisting in obtaining loans, and then generate corresponding calculation operations, search (search) ) homework, and assessment homework and other different actions. According to the different functions of the processing module 20, it is divided into a plurality of processing units such as a calculation unit 21, a search unit 22, and an evaluation unit 23, and they are electrically connected to each other.

Preferably, the calculation unit 21 of this embodiment can calculate the operation-related data such as accounts receivable, accounts payable, inventory value and sales quantity of each supplier based on the aforementioned data (for example, supply volume and sales volume), And sent to the memory module 10 to be stored in the transaction database 12. Also, the aforementioned data can be integrated into operational data. In other words, the transaction database 12 stores the operation data of each business owner (supplier), and the operation data includes an account receivable information, an account payable information and a sales volume information.

Moreover, the e-commerce platform server 1 of this embodiment further includes a transmission module 30 . The processing module 20 is electrically connected to the transmission module 30 , and performs data transmission with the enterprise host device 8 and the lending institution server 9 through the transmission module 30 . The way of data transmission between the e-commerce platform server 1 and the enterprise host device 8 and lending institution server 9 is different according to the hardware structure that cooperates with each other. , Wi-Fi or 4G LTE and other data transmission technologies. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (Virtual Private Network, VPN).

Please refer to FIG. 1 and FIG. 2 , and further describe the implementation of the e-commerce platform server 1 according to the steps of the method for assisting in obtaining a loan.

Step S10: The enterprise host device 8 sends a loan request.

In one embodiment, the supplier must first register an account on the e-commerce platform before putting products on the e-commerce platform. The processing module 20 of the e-commerce platform server 1 can provide a specific code corresponding to the account number of the supplier. For example, the account number is a message sent by supplier A, which contains code 00001. Subsequent messages or requests sent by the account all include the code corresponding to the supplier, so that the e-commerce platform server 1 of this embodiment can achieve the effect of a single real-name personal verification, in order to comply with the financial behavior must be performed by the person relevant legal provisions. In addition, information such as the account number and code of the supplier are stored in the memory module 10 , preferably in the supplier database 11 .

In this embodiment, the processing module 20 of the e-commerce platform server 1 can also provide a management interface exclusively operated by the business owner, and the message or request transmitted by operating the management interface further includes a specific code, such as code X. Wherein, the management interface exclusively operated by the business owner may include a loan application icon (icon). When business owners or directors (hereinafter referred to as lenders) have capital turnover needs, they can use the e-commerce platform server 1 of this embodiment to send money to lending institution servers 9 (such as banks, banks, etc.) or the server of a private lending company) to submit a loan application. For example, after entering the management interface dedicated to business owners, click on the loan application pattern. At this time, the enterprise host device 8 can send the loan request to the e-commerce platform server 1 .

In one embodiment, the lender (such as the business owner or director of supplier A) operates the business owner's management interface through the business owner terminal device 8 , and the loan request sent by it includes a specific code (00001-X). In another embodiment, the management interface dedicated to business owners may further include a field for inputting lender information, which is not limited by the present invention. For example, if a supplier has a person in charge and multiple directors, you can enter the lender's identity information (such as the ID card number) or enter the aforementioned code.

Step S20: The e-commerce platform server 1 receives the loan request from the enterprise master device 8, and obtains the business owner data and operation data corresponding to the business master device 8 from the supplier database 11 and the transaction database 12 respectively according to the loan request .

The transmission module 30 of the e-commerce platform server 1 receives the loan request from the enterprise host device 8 and transmits it to the processing module 20 . Preferably, the processing module 20 includes a search unit 22 for searching the business owner information and its operation data of the business owner terminal device 8 corresponding to the loan request. Specifically, the search unit 22 of the processing module 20 obtains the business owner information corresponding to the business owner device 8 according to the code (00001-X) included in the loan request or the identity information input by the lender. Then, the operation information corresponding to the enterprise master device 8 is further obtained from the transaction database 12 . By using the e-commerce platform server 1 of this embodiment to provide the operating data of the enterprise's main terminal device 8, the effect of reducing the low efficiency of traditional bank physical paper operations can be achieved.

For example, the loan request sent by the lender through the enterprise host device 8 includes code 00001-X. Therefore, the search unit 22 can find the corresponding supplier A in the supplier database 11 according to the code 00001, and determine that the lender is the business owner of the supplier A (business owner information) according to the code X. Alternatively, the search unit 22 determines that the lender is the business owner or director of supplier A (business owner information) according to the information input by the lender. Moreover, the search unit 22 can find the operation data of the supplier A in the transaction database 12 according to the code 00001.

Step S22: The e-commerce platform server 1 executes a repayment ability evaluation mode based on the operating data to obtain an evaluation report R, and sends it to the enterprise host device 8 .

After the processing module 20 respectively obtains the business owner data and operation data corresponding to the business master device 8 from the supplier database 11 and the transaction database 12 (step S20 ), the evaluation unit 23 can first perform a repayment capability using the business data. Obtain an evaluation report R through the evaluation mode. In other words, the evaluation unit 23 evaluates the operating income (operating data) of the e-commerce platform instead of the conventional income certificate used to evaluate the repayment ability. Specifically, the repayment ability assessment mode may be provided by the lending institution server 9 in advance. Preferably, the repayment ability evaluation mode (step S22) executed by the evaluation unit 23 can be the same as the repayment ability evaluation mode (step S40) executed by the lending institution server 9, so that the evaluation unit 23 can use the same standard Analyze the loan application result of the enterprise master device 8 . That is to say, the evaluation unit 23 of the e-commerce platform server 1 in this embodiment and the method executed by it can predict the loan review result.

In addition, the evaluation report R obtained by the evaluation unit 23 after executing the repayment ability evaluation mode based on operating data includes the approved loan amount, loan interest rate and repayment schedule, as shown in FIG. 3 . FIG. 3 is a schematic diagram of the evaluation report displayed on the enterprise master device in step S24 shown in FIG. 2 . Then, the processing module 20 transmits the evaluation report R to the enterprise host device 8 through the transmission module 30 .

Step S24: The enterprise host device 8 receives the assessment report.

The enterprise host device 8 displays the evaluation report R received from the e-commerce platform server 1 on its display screen 81 , as shown in FIG. 3 . The lender (business owner or director) can confirm whether to apply for a loan based on information such as the approved loan amount, loan interest rate, or repayment schedule in the evaluation report R. In addition, the basic information I related to operation can also be presented on the same interface as the evaluation report R for reference and evaluation by lenders.

Step S26: The enterprise host device 8 sends a confirmation loan request.

If the pattern of "Apply for Loan Immediately" is clicked, the enterprise host device 8 can send and receive the loan request to the e-commerce platform server 1 for confirmation.

Step S28: The e-commerce platform server 1 receives and confirms the loan request.

After the processing module 20 receives and confirms the loan request from the enterprise host device 8 through the transmission module 30 , it transmits the operation data to the lending institution server 9 (step S30 ).

Step S30: The e-commerce platform server 1 sends the business owner information and operation information to the lending institution server 9 .

Next, the processing module 20 transmits the operation data to the lending institution server 9 through the transmission module 30 . Preferably, in this embodiment, the business owner data and operation data are sent to the lending institution server 9 at the same time. For example, the operating data of manufacturer A and the related data (data of the business owner) of the business owner or director are sent to the lending institution server 9 .

Step S40: The lending institution server 9 executes the repayment ability evaluation mode based on the operating data to obtain a loan review result.

The lending institution server 9 executes the repayment ability evaluation mode based on the operating data to obtain the loan review result. Among them, the operation data includes the information of accounts receivable, accounts payable and sales volume generated by suppliers operating on the e-commerce platform, which can increase the chances of suppliers obtaining loans. Preferably, the lending agency server 9 can also store the lender's deposit or other financial related information, such as but not limited to tax returns, financial visas, real estate information, personal credit scores of financial joint credit investigations of consortium legal persons, or judicial court Litigation records and other data are used as auxiliary evaluation indicators.

The common (known) assessment model of personal repayment ability is mainly based on the lender's annual income and deposits. As mentioned in the previous technical paragraph, the business owners of small suppliers need to prepare more funds by themselves. If only the personal financial status of the business owners is reviewed, it will be impossible to objectively evaluate the business owners' finances, and it will be difficult to obtain loans for their own purposes. With the e-commerce platform server 1 of this embodiment and the method for assisting in obtaining loans, the lending institution server 9 can use the operating data provided by the e-commerce platform server 1 to implement the repayment ability evaluation mode. In other words, the supplier's operating income (operating data) on the e-commerce platform is used as the assessment element to replace the conventional income certificate used to assess repayment ability, thereby increasing the probability of the supplier obtaining a loan. In addition, if the supplier is held by multiple people, the operating income or the aforementioned analysis elements can be multiplied by the shares held by the lender (business owner or director) before evaluation.

As mentioned above, the repayment ability evaluation mode (step S40 ) executed by the lending institution server 9 may be the same as the repayment ability evaluation mode (step S22 ) executed by the evaluation unit 23 . Therefore, in step S24, suppliers who do not agree with the loan amount, loan interest rate, or repayment schedule (that is, suppliers who give up applying for loans) can be excluded in advance, thereby speeding up the process of lending institutions (including banks or private lending institutions) ) to review the overall efficiency of the loan.

Step S50 : The e-commerce platform server 1 receives the loan verification result from the lending institution server 9 and sends it to the business owner's device 8 .

The processing module 20 receives the loan review result from the lending institution server 9 through the transmission module 30 , and transmits it to the enterprise master device 8 . Among them, the loan review results include "Pass", "Insufficient information", or "Fail". The loan review results of "Passed" can include information such as the approved loan amount, loan interest rate, and repayment schedule. "Insufficient information" audit results include incorrect or insufficient information in documents, which can be, for example, but not limited to missing documents, incorrect planting, fields that do not match documents, wrong document versions (such as not the latest profit-seeking enterprise registration certificate), wrong information (such as company name or person in charge does not match, etc.). If the audit result is "insufficient data", you can upload the data again for the insufficient part to make corrections or corrections.

It should be noted that, since the repayment ability evaluation mode (step S40) executed by the lending institution server 9 is the same as the repayment ability evaluation mode (step S22) executed by the evaluation unit 23, the loan review results of most applications are " pass".

Step S60: The enterprise host device 8 receives the loan review result.

The enterprise master terminal device 8 receives the loan review result. If it is a "passed" loan review result, in addition to displaying the aforementioned information such as the loan amount, loan interest rate, or repayment schedule, it can also display a "reject" or "agree" confirmation pattern. Suppliers can reconfirm the loan amount, loan interest rate, or repayment schedule and other information before confirming whether they agree to apply for a loan. If the confirmation icon of "Agree" is clicked, the e-commerce platform server 1 can receive the confirmation message from the enterprise host device 8 and send it to the lending institution server 9 for subsequent loan operation.

Figure 4 is a schematic diagram of the use environment of the e-commerce platform server in the second embodiment of the present invention, and Figure 5 is a flow chart of the steps of the method for assisting in obtaining loans in the second embodiment of the present invention, please refer to Figure 4 and Figure 5 Show. The difference between the e-commerce platform server 1a of this embodiment and the first embodiment is that the processing module 20a only has a calculation unit 21 and a search unit 22 . Therefore, the action and connection relationship between other components of the e-commerce platform server 1a in this embodiment, and the connection relationship with the enterprise master terminal device 8 and the lending institution server 9 are all the same as those of the e-commerce company in the first embodiment. The platform server 1 is the same, so its component symbols are used.

Also, the difference between the method for assisting in obtaining a loan in the second embodiment and the first embodiment is that steps S22 to S28 are not included. In other words, the transmission module 30 receives the loan request from the enterprise master device 8, and the processing module 20 respectively obtains the business owner data and operation data corresponding to the business master device 8 from the supplier database 11 and the transaction database 12 (step After S20 ), the business owner data and operation data can be transmitted to the lending institution server 9 through the transmission module 30 (step S30 ).

The lending institution server 9 can directly execute the repayment ability evaluation mode based on the operating data to obtain the loan review result (step S40 ). Since the lending institution server 9 can directly use the operating data provided by the e-commerce platform server 1a, the real-time sales quantity, accounts receivable and accounts payable of the supplier on the e-commerce platform are included in the analysis of the repayment ability assessment model One of the elements, which in turn can increase the probability of suppliers obtaining loans.

To sum up, according to the e-commerce platform server and the method for assisting in obtaining loans executed by the present invention, the e-commerce platform server includes a memory module and a processing module. The memory module includes a supplier database and a transaction database to store the supplier's owner information and operation information respectively. After the processing module receives the loan request from the enterprise master device, it can respectively obtain the business owner data and operation data corresponding to the business master device from the supplier database and the transaction database. The processing module can first execute the repayment ability evaluation model based on the operating data to obtain the evaluation report. Therefore, business owners or directors (lenders) can rely on the real-time operating information (such as inventory value, sales volume, accounts receivable and accounts payable, etc.) of the suppliers they own or hold shares on the e-commerce platform, As one of the analysis elements of the repayment ability evaluation model, it can increase the probability of suppliers obtaining loans.

In addition, the processing module first executes the repayment ability evaluation model based on operating data to obtain an evaluation report, and can even exclude lenders who disagree with the approved loan amount, loan interest rate, or repayment schedule in advance (that is, give up applying for a loan). Similarly, the e-commerce platform server can also exclude lenders who are not eligible for loan approval in advance, thereby speeding up the overall efficiency of lending institutions in reviewing loans.

It should be noted that the above-mentioned embodiments are examples for the convenience of description, and the scope of rights claimed by the present invention should be determined by the scope of the patent application, rather than limited to the above-mentioned embodiments.

1, 1a: e-commerce platform server

10: Memory module

11:Supplier database

12: Transaction database

20: Processing modules

21: Calculation unit

22: Search unit

23: Evaluation unit

30: Transmission module

8: Enterprise master device

81: display screen

9: Loan institution server

I: Basic information

R: Evaluation Report

S10～S60: Steps

Fig. 1 is a schematic view of the usage environment of the loan system according to an embodiment of the present invention. FIG. 2 is a flow chart of the steps of the method for assisting in obtaining a loan according to the first embodiment of the present invention. FIG. 3 is a schematic diagram of the evaluation report displayed on the enterprise master device in step S24 shown in FIG. 2 . FIG. 4 is a schematic diagram of the usage environment of the e-commerce platform server according to the second embodiment of the present invention. FIG. 5 is a flow chart of the steps of the method for assisting in obtaining a loan according to the second embodiment of the present invention.

1: E-commerce platform server

10: Memory module

11:Supplier database

12: Transaction database

20: Processing modules

21: Calculation unit

22: Search unit

23: Evaluation unit

30: Transmission module

8: Enterprise master device

9: Loan institution server

Claims (8)

An e-commerce platform server that assists in obtaining loans is connected to at least one business master device and at least one lending institution server through the network, the e-commerce platform server is a server for an e-commerce platform to operate, the e-commerce platform The business platform server includes: a memory module, including a supplier database and a transaction database, the supplier database stores at least one business owner data, and the transaction database stores at least one operation corresponding to the business owner data data, the operation data is the data of a supplier corresponding to the data of the business owner conducting transactions on the server of the e-commerce platform; a transmission module, receiving a loan request from the business master device; and a processing module, Electrically connected with the memory module and the transmission module, the processing module obtains the business owner data and the operation corresponding to the business master terminal device from the supplier database and the transaction database respectively according to the loan request data, and the processing module executes a repayment ability evaluation mode corresponding to each lending institution server with the operating data to obtain an evaluation report, and the processing module sends the evaluation report to the business owner through the transmission module end device, and after receiving a confirmed loan request from the main end device of the enterprise, then transmit the operation data to the lending institution server, the transmission module obtains a loan review result from the lending institution server, and transmits it to the enterprise master device. The e-commerce platform server as described in Claim 1, wherein the lending institution server executes the repayment ability evaluation mode based on the operating data to obtain the loan review result. The server of the e-commerce platform as described in Claim 1, wherein the evaluation report includes a loan amount, a loan interest rate, and a repayment schedule. The e-commerce platform server as described in claim 1, wherein the operation data includes information on accounts receivable, information on accounts payable, and information on sales volume. A method for assisting in obtaining loans, which is applied to an e-commerce platform server, the e-commerce platform server is connected to at least one business owner device and at least one lending institution server through the network, and the e-commerce platform server stores at least one The business owner information and at least one corresponding operation data, the operation data is the data corresponding to the business owner data that a supplier conducts transactions on the server of the e-commerce platform, and the method of assisting in obtaining a loan includes the following steps: from the The enterprise master terminal device receives a loan request; according to the loan request, the business owner information and the operation data corresponding to the enterprise master terminal device are obtained from the e-commerce platform server; obtain an evaluation report through a repayment ability evaluation mode of the server; transmit the evaluation report to the enterprise main device, and receive a confirmation loan request from the enterprise main device; transmit the operation data to the lending institution server; and Receive a loan review result from the lending institution server and send it to the enterprise main device. The method for assisting in obtaining a loan as described in claim item 5, wherein the lending institution server executes the repayment ability evaluation mode based on the operating data to obtain the loan review result. The method for assisting in obtaining a loan as described in Claim 5, wherein the evaluation report includes a loan amount, a loan interest rate, and a repayment schedule. The method for assisting in obtaining a loan as described in Claim 5, wherein the operating data includes information on accounts receivable, information on accounts payable, and information on sales volume.

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