TWI794877B - E-commerce platform server and method for assisting in rolling adjusting financial terms - Google Patents

Abstract

The present invention discloses an e-commerce platform server and a method for assisting in rolling adjusting financial terms. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module has a trading database. The transmission module receives a loan request from a user device. According to the loan request, the processing module obtains the operating data during a first operating period corresponding to the user device from the memory module and sends to a lending institution server. The transmission module receives a first financial term from the lending institution server. During a second operating period, the processing module obtains and sends the operating data during the second operating period corresponding to the user device to the lending institution server, and the transmission module receives a second financial term from the lending institution server.

Description

E-commerce platform server and method for assisting rolling adjustment of financing conditions

The present invention relates to a server for an e-commerce platform, in particular to an e-commerce platform server and method with the function of assisting rolling adjustment of financing conditions.

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. In addition to setting up their own websites to sell products or services, suppliers (that is, stores or manufacturers) more frequently sell products or services through online shopping e-commerce platforms.

Generally speaking, after the supplier provides the product to the relevant department of the online shopping e-commerce platform, it still needs to be inspected, packaged, and put on the shelves by the personnel of the relevant department. It usually takes about 4.5 months (about 135 days) from the time the supplier prepares the goods to the consumer orders and completes the payment. If the monthly settlement method is adopted, it will take another month (about 30 days) for the online shopping e-commerce platform to settle the cost of product sales to the supplier. For suppliers, the funding gap can be as long as 165 days. In addition, during the peak sales season, suppliers usually increase the amount of stock on the online shopping e-commerce platform. Before the inventory is sold or settled, it is easier to have insufficient cash flow. Therefore, it is necessary to apply for a loan with a financial institution (such as a bank) that provides loan services.

Financial institutions can obtain credit scores in the seller's personal name, business owner's personal name, or supplier's name from the joint collection center. Financial institutions can review whether to approve loans and their financing conditions based on credit scores, assets, or tax bills and other information. For example, the total amount of the loan (that is, the establishment of the total amount), the maturity date of the loan, or the frozen amount, etc. Generally speaking, financing terms are fixed. Among them, after the financial institution determines the total amount of the loan and notifies the lender (seller, business owner, or supplier), the loan will be divided into several installments. For example, the total loan amount is 1 million, the initial loan is 300,000, and the subsequent monthly loan is 100,000, with a total of 7 loans.

However, there is currently no mechanism for adjustments to the financing terms set by financial institutions. For financial institutions, it will increase the burden of risk management. For example, if the performance of the store operated by the lender declines, it may affect the effectiveness of subsequent financing payments. For the lender, if the performance increases during the lending period, for example, during the peak sales season, more funds may be required to reserve enough goods.

In view of the above-mentioned problems, the main purpose of the present invention is to provide an e-commerce platform server and method that assists in rolling adjustment of financing conditions. The e-commerce platform server provides operating data of different periods to the lending institution server to solve the problem. It is known that the lending methods of financial institutions cannot dynamically adjust financing conditions to improve the risk management efficiency of financial institutions.

To achieve the above purpose, the present invention provides an e-commerce platform server that assists in rolling adjustment of financing conditions. The e-commerce platform server is connected to at least one user device and a lending institution server through the network. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module includes a transaction database, and the transaction database stores at least one operation data corresponding to the user device. The transmission module receives a loan request from the user 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 operation data corresponding to the first operation period of the user device from the transaction database, and sends it to the server of the lending institution. The transmission module obtains a first financing condition from the server of the lending institution. After a second operating period, the processing module transmits the operating data corresponding to the second operating period of the user device to the lending institution server, and the transmission module obtains a second financing condition from the lending institution server.

To achieve the above purpose, the present invention further provides a method for adjusting financing conditions in a rolling manner, which is applied to a server of an e-commerce platform. The e-commerce platform server is connected to at least one user device and a lending institution server through the network. The e-commerce platform server stores at least one operating data corresponding to the user device. The method for adjusting financing conditions on a rolling basis includes the following steps: receiving a loan request from a user device; obtaining operating data corresponding to a first operating period of the user device according to the loan request; transmitting the operating data in the first operating period to The lending institution server; receiving a first financing condition from the lending institution server; passing through a second operating period, transmitting the operating data corresponding to the second operating period of the user device to the lending institution server; and from the lending institution The server obtains a second financing condition.

According to an embodiment of the present invention, the second financing condition is a financing condition updated according to operating data in the second operating period.

According to an embodiment of the present invention, the first financing condition is obtained by the lending institution server executing a repayment ability assessment mode with operating data corresponding to the first operating period. The second financing condition is obtained by the lending institution server executing a repayment ability evaluation mode based on the operating data in the second operating period.

According to an embodiment of the present invention, the first financing condition and the second financing condition respectively include a total loan amount, a movable amount, a lending time, a loan interest rate, a repayment schedule, or a loan maturity date .

According to an embodiment of the present invention, the processing module obtains the operation data corresponding to the second operation period of the user device from the transaction database according to the operation information request received from the loan institution server during the first period.

According to an embodiment of the present invention, the operating data includes an account receivable information, an account payable information, an inventory value information, a sales quantity information, or a real-time order information.

Based on the above, according to the e-commerce platform server and method for assisting rolling adjustment of financing conditions of the present invention, the processing module first obtains the operation period corresponding to the first operation period of the user device from the transaction database according to the loan request. The information is sent to the server of the lending institution to obtain a first financing condition. Then, after a second operating period, the operating data corresponding to the second operating period of the user device is sent to the server of the lending institution to obtain the updated financing conditions (ie, the second financing conditions). Using the operating data during the second operating period, the server of the lending institution can re-evaluate the operating status of the supplier (during the second operating period), thereby judging whether it is necessary to adjust the financing conditions. When the operating conditions during the second operating period are poor, the financing conditions can be lowered, so that the financial institution can reduce the risk of not receiving funds in the future, thereby avoiding the risk of overdue repayment or bad debt losses affecting the financial institution. Therefore, the e-commerce platform server and method for assisting rolling adjustment of financing conditions in the present invention can also assist financial institutions in risk management. In addition, when the operating conditions during the second operating period are better, the financing conditions can be improved, so that the supplier can obtain more working capital to purchase various enterprise resources and reserve sufficient quantities.

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 according to an embodiment of the present invention, and Figure 2 is a flow chart of the steps of the method for assisting rolling adjustment of financing conditions according to an embodiment of the present invention, please refer to Figure 1 and Figure 2 shown. The e-commerce platform server 1 in this embodiment is a server operated by an electricity supplier platform (especially an online shopping platform), or called a server host. The e-commerce platform server 1 can assist financial institutions (such as banks) to adjust the financing conditions in a rolling manner by implementing the method for assisting in the rolling adjustment of the financing conditions 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 user 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). Among them, the "user device 8" in this embodiment refers to an electronic device operated by a product supplier (ie, a manufacturer, a business owner, or an individual seller) that cooperates with an e-commerce platform operator, and is an electronic device with a communication function. Wherein, the manufacturer may be, for example, a small and medium-sized enterprise (legal person). The user device 8 may 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 provide loans, and other specific contents will be further described later. When the supplier has capital turnover needs, the supplier's staff, business owner or individual seller can use the e-commerce platform server 1 of this embodiment to apply for a loan by operating the user 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 for assisting rolling adjustment of financing conditions and multiple corresponding instructions as shown in Figure 2. Moreover, the memory module 10 of this embodiment includes a transaction database 11 . Specifically, the memory module 10 is a non-transitory computer-readable storage medium, and its storage space can be divided into a transaction database 11 for storing supplier transaction data and operation-related data (hereinafter referred to as operating data).

Moreover, the transaction database 11 of the memory module 10 of this embodiment also stores the basic data of the supplier, such as the supplier's login account on the e-commerce platform, the person in charge of the supplier, telephone number, address, and the goods (or services) supplied ) type, capital amount and other basic information. The supplier's monthly or quarterly supply and sales are also stored in the transaction database 11 . Generally speaking, suppliers (including product suppliers, or manufacturers of their own brands) provide products or services for sale on online shopping e-commerce platforms. 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 and a search unit 22 ). The processing module 20 is electrically connected with the memory module 10, and is used to access data from the transaction database 11, and execute multiple instructions corresponding to the method of assisting suppliers to obtain loans, and then generate corresponding calculation operations, search ( Find) homework, and evaluate 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 and a search unit 22, 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 11. Also, the aforementioned data can be integrated into operational data. In other words, the transaction database 11 stores the operation data of each supplier, and the supplier operation data includes an account receivable information, an account payable information, an inventory value information, a sales quantity information, or a real-time order information. In this embodiment, the operation data can be arranged in time series and stored in the transaction database 11 , or the operation data includes transaction time information for the search unit 22 of the processing module 20 to search for operation data in different operation periods.

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 user 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, the user device 8, and the lending institution server 9 is different according to the hardware architectures that cooperate with each other. Data transmission technologies such as Wi-Fi or 4G LTE are realized. 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 illustrate the implementation of the e-commerce platform server 1 according to the steps of the method for assisting suppliers in obtaining loans.

Step S10: The user 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. At this time, the processing module 20 of the e-commerce platform server 1 can provide a specific code (supplier code) corresponding to the account, for example, the message sent by supplier A includes the code 00001. Subsequent messages or requests from this account will contain the supplier code corresponding to this supplier. Moreover, information such as the account number of the user device 8 and its supplier code are stored in the memory module 10 , preferably in the transaction database 11 .

When the supplier has capital turnover needs, the personnel of the supplier or the manufacturer, the business owner, or the individual seller can use the e-commerce platform server 1 of this embodiment to serve the lending institution by operating the user device 8. The server 9 (such as a server of a bank or a private lending company) makes a loan application. Specifically, the data management interface provided by the processing module 20 of the e-commerce platform server 1 to the supplier may include a loan application icon (icon). When the supplier's personnel clicks on the loan application pattern, the user device 8 sends the loan request to the server 1 of the e-commerce platform.

In one embodiment, the supplier must first log in to the registered account before operating the supplier's data management interface. Therefore, the loan request sent by the user device 8 (for example, supplier A) includes the supplier code (00001). In another embodiment, the supplier (Supplier A) also enters the supplier code (00001) in the data management interface by itself, which is not limited by the present invention.

Step S11: The e-commerce platform server 1 receives the loan request from the user device 8, and obtains the operation data corresponding to the user device 8 within a first operation period from the transaction database 11 according to the loan request.

The transmission module 30 of the e-commerce platform server 1 receives the loan request from the user device 8 and sends it to the processing module 20 . Preferably, the processing module 20 includes a search unit 22 for finding the user device 8 corresponding to the loan request and its operating information. In this embodiment, the search unit 22 can search the operation data of different operation periods. Wherein, if the search unit 22 searches the operation information based on the loan request, it can find out all the operation information of the supplier since the e-commerce platform started operation (that is, this loan request), or since the previous loan request. All operating data of , or all operating data of other self-defined periods (for example, one year), are referred to as the first operating period in this embodiment. In other words, the first operating period includes the period since the supplier corresponding to the user device 8 has been operating on the e-commerce platform (that is, until the current loan request), or the period since the previous loan request was made, or other self-defined period (for example, one year).

Specifically, the search unit 22 of the processing module 20 obtains the user device 8 corresponding to the supplier code according to the supplier code included in the loan request. Next, the operation information corresponding to the user device 8 in the first operation period is obtained from the transaction database 11 . For example, the loan request sent by supplier A contains supplier code 00001. Therefore, the search unit 22 can find the corresponding supplier A in the memory module 10 according to the supplier code 00001. Next, the search unit 22 searches the transaction database 11 for all the operating data of the supplier A during the first operating period (for example, since the opening of the store, since the last loan application, or other self-defined periods).

Step S12: The e-commerce platform server 1 sends the operating data during the first operating period to the lending institution server 9 .

Next, the e-commerce platform server 1 transmits the aforementioned operation data during the first operation period to the lending institution server 9 through the transmission module 30 .

Step S13: The lending institution server 9 executes a repayment ability evaluation mode based on the operation data in the first operation period to obtain a first financing condition.

After the lending institution server 9 receives the operating data of supplier A in the first operating period, it can execute a repayment ability evaluation mode based on the operating data to obtain the loan review result ("pass" or "fail"). For example, the common (known) evaluation model of repayment ability is mainly based on the analysis of the supplier's capital turnover ratio, cash ratio and its declared turnover, so as to evaluate the risk of nuclear loan and better financing conditions. If the loan review result is "Passed", it usually also includes the initial financing conditions, which can be for example but not limited to the total loan amount (that is, the establishment of the total amount), movable amount, loan time, loan interest rate, repayment schedule , loan maturity date and other information. In this embodiment, the initial financing condition is referred to as the first financing condition.

In addition, the memory module 10 of the e-commerce platform server 1 can store information related to the loan review result, which includes the total amount of the loan (that is, the establishment of the total amount), the movable amount, the loan time, Loan interest rate, repayment schedule, loan maturity date and other information.

Step S14: The e-commerce platform server 1 receives the first financing condition and sends it to the user device 8 .

Step S15: The user device 8 receives the first financing condition.

Firstly, the transmission module 30 of the e-commerce platform server 1 obtains the loan verification result from the lending institution server 9 . If the loan review result is "Passed", it includes the information of the first financing condition. Next, the transmission module 30 transmits the loan review result together with the information of the first financing condition to the user device 8 . The user device 8 receives the information of the first financing condition, so that the A-supplier can confirm the initial financing condition.

Step S16: after a second operation period, the e-commerce platform server 1 obtains the operation data corresponding to the second operation period of the user device 8 from the transaction database 11 .

In this embodiment, it can be preset at intervals of a predetermined period (i.e. the second operating period), so that the search unit 22 of the processing module 20 can search the corresponding user device 8 (A supplier) from the transaction database 11 operating data to obtain the operating data for the second operating time. For example, the second operating period can be preset as one month after the loan is released. One month has passed since the loan was released, and the search unit 22 can automatically search for all the operating data of supplier A within one month after the loan is released, which is the operating data in the second operating time. It should be noted that different types of operating data can be obtained at different predetermined intervals. For example, real-time order information can be updated daily; and information such as accounts receivable, accounts payable, inventory value, or sales quantities can be updated monthly.

Step S17: The e-commerce platform server 1 sends the operating data within the second operating time to the lending institution server 9 .

Next, the transmission module 30 of the e-commerce platform server 1 transmits the operating data obtained in step S16 corresponding to the second operating time of the user device 8 (A provider) to the lending institution server 9 .

Step S18: The lending institution server 9 executes the repayment ability evaluation mode based on the operating data within the second operating time, and obtains a second financing condition.

After receiving the operating data of supplier A during the second operating period, the server 9 of the lending institution can execute the repayment ability assessment mode again based on the operating data during the second operating period (for example, within one month after disbursement). In other words, the lending institution server 9 can evaluate the operating conditions during the second operating period (for example, within one month after the loan is issued), so as to determine whether the financing conditions need to be adjusted.

The repayment ability evaluation module can be similar to step S13, for example, it can analyze the supplier's subsequent repayment ability based on the supplier's capital turnover rate, cash ratio and declared turnover in the second operating period, and obtain updated financing terms, referred to herein as the second financing terms. For example, if the supplier's operating conditions improve during the second operation period, the (second) financing conditions can be improved, such as increasing the current or next period's movable allocation, or extending the repayment schedule, etc. That is, the second financing condition is superior to the first financing condition. Conversely, if the supplier's operating conditions deteriorate during the second operating period, the (second) financing conditions can be reduced, such as reducing the total amount of movable allocation for the current or next period, or shortening the repayment schedule, etc. That is, the second financing condition is inferior to the first financing condition.

In short, the second financing condition in this embodiment is the financing condition updated by the lending institution server 9 based on the operating data in the second operating period, and the updated (second) financing condition may be better or worse than Initial (first) financing terms. Therefore, the lending institution server 9 can use the updated financing conditions for interim management. It should be noted that the present invention does not limit the number of times to update financing conditions. The lending institution server 9 can update different financing conditions (third, fourth, ... Nth financing conditions) according to operating data in different operating periods (eg, subsequent third, fourth, ... Nth operating periods). In other words, step S16 to step S20 are repeated.

Step S19: The e-commerce platform server 1 receives the second financing condition and sends it to the user device 8 .

Step S20: The user device 8 receives the second financing condition.

Similarly, the transmission module 30 of the e-commerce platform server 1 can transmit the second financing condition to the user device 8 after obtaining the second financing condition from the lending institution server 9 . The user device 8 receives the information of the second financing condition, so that the supplier A can confirm whether the updated (second) financing condition becomes better or worse.

FIG. 3 is a flow chart of steps of a method for assisting rolling adjustment of financing conditions according to another embodiment of the present invention, please refer to FIG. 1 and FIG. 3 . The difference between the method for assisting rolling adjustment of financing conditions in this embodiment and the previous embodiment ( FIG. 2 ) is that step S36 and step S37 in this embodiment are different from step S16 and step S17 in the previous embodiment. Since the steps (steps S10 to S15 ) of acquiring the first financing condition before step S36 and step S37 and transmitting it to the user device 8 are the same as those in the previous embodiment, the above description can be directly referred to.

Step S36: The lending institution server 9 sends a request for operation information during a second operation period to the e-commerce platform server 1 after a second operation period.

In this embodiment, the lending institution server 9 records or controls the second operating period. That is to say, the server 9 of the lending institution can send a request for operation information during a period to the server 1 of the e-commerce platform by default at intervals of a predetermined period (ie, the second operation period). Similarly, for example, the second operating period can be preset as one month after the loan is released. One month has passed since the lending time, and the server 9 of the lending institution sends a request for interim operation information to the server 1 of the e-commerce platform.

Step S37: The e-commerce platform server 1 receives the interim operation information request, and according to the interim operation information request, obtains the operation data corresponding to the second operation time of the user device 8 from the transaction database 11, and sends it to the lending institution server Device 9.

After the transmission module 30 of the e-commerce platform server 1 receives the interim operation information request from the lending institution server 9, the processing module 20 makes the search unit 22 search the corresponding user from the transaction database 11 according to the interim operation information request. Operation data of device 8 (supplier A) to obtain the operation data within the second operation time.

Next, the transmission module 30 transmits the operating data corresponding to the second operating time of the user device 8 (A supplier) to the lending institution server 9, so as to execute the subsequent steps of obtaining the second financing conditions (steps S18 to Step S20).

To sum up, according to the e-commerce platform server and method for assisting rolling adjustment of financing conditions of the present invention, the processing module first obtains the operation period corresponding to the user device within a first operation period from the transaction database according to the loan request. The information is sent to the server of the lending institution to obtain a first financing condition. Then, after a second operating period, the operating data corresponding to the second operating period of the user device is sent to the server of the lending institution to obtain the updated financing conditions (ie, the second financing conditions). Using the operating data during the second operating period, the server of the lending institution can re-evaluate the operating status of the supplier (during the second operating period), thereby judging whether it is necessary to adjust the financing conditions. When the operating conditions during the second operating period are poor, the financing conditions can be lowered, so that the financial institution can reduce the risk of not receiving funds in the future, thereby avoiding the risk of overdue repayment or bad debt losses affecting the financial institution. Therefore, the e-commerce platform server and method for assisting rolling adjustment of financing conditions in the present invention can also assist financial institutions in risk management. In addition, when the operating conditions during the second operating period are better, the financing conditions can be improved, so that the supplier can obtain more working capital to purchase various enterprise resources and reserve sufficient quantities.

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.

E -commerce platform server 1 Memory module 10 trading database 11 processing module 20 calculation unit 21 search unit 22 transmission module 30 user device 8 lending mechanism server 9 steps S10 ～ s37

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 steps of a method for assisting rolling adjustment of financing conditions according to an embodiment of the present invention. FIG. 3 is a flow chart of steps of a method for assisting rolling adjustment of financing conditions according to another embodiment of the present invention.

E-commerce platform server 1 memory module 10 Transaction Database 11 Processing Module 20 Calculation unit 21 Search unit 22 Transmission module 30 User device 8 Lender Institution Server 9

Claims (12)

An e-commerce platform server that assists rolling adjustment of financing conditions. The e-commerce platform server is connected to at least one user device and a lending institution server through the network. The e-commerce platform server includes: a memory module, Including a transaction database, the transaction database stores at least one operation data corresponding to the user device; a transmission module, receives a loan request from the user device; and a processing module, and the memory module and The transmission module is electrically connected, the processing module obtains the operation data corresponding to the user device in a first operation period from the transaction database according to the loan request, and transmits it to the lending institution server, the The transmission module obtains a first financing condition from the lending institution server, wherein the operation data includes a real-time order information, and the processing module periodically updates the operation data; after a second operation period, the processing module transmits Corresponding to the operation data in the second operation period of the user device to the lending institution server, the transmission module obtains a second financing condition from the lending institution server, which includes adjusting a current period or a next period Movable amount. The e-commerce platform server as described in Claim 1, wherein the second financing condition is a financing condition updated according to the operating data in the second operating period. The e-commerce platform server as described in claim 2, wherein the first financing condition is obtained by the lending institution server using the operating data in the first operating period to perform a repayment ability assessment model, and the second The financing condition is obtained by the lending institution server executing the repayment ability evaluation mode based on the operation data in the second operation period. The e-commerce platform server as described in claim 1, wherein the first financing condition and the second financing condition respectively include a total loan amount, a lending time, a loan interest rate, a repayment schedule, or a loan due date due date. The e-commerce platform server as described in claim 1, wherein the processing module obtains the second operation corresponding to the user device from the transaction database according to the interim operation information request received from the lending institution server the operating information for the period. The e-commerce platform server as described in claim 1, wherein the operating data includes information on accounts receivable, information on accounts payable, information on inventory value, or information on sales volume. A method for adjusting financing conditions on a rolling basis, applied to an e-commerce platform server, the e-commerce platform server is connected to at least one user device and a lending institution server through the network, and the e-commerce platform server stores information corresponding to At least one operating data of the user device, the method for rolling financing conditions includes the following steps: receiving a loan request from the user device; obtaining the operation data corresponding to a first operation period of the user device according to the loan request; sending the operation data during the first operation period to the lending institution server ; Receive a first financing condition from the lending institution server; Periodically update the operation data, the operation data includes a real-time order information; After a second operation period, send the second operation period corresponding to the user device the operation data in the lending institution server; and obtaining a second financing condition from the lending institution server, which includes adjusting a movable amount of the current period or the next period. The method for adjusting financing conditions on a rolling basis as described in Claim 7, wherein the second financing conditions are financing conditions updated according to the operating data in the second operating period. The method for adjusting financing conditions on a rolling basis as described in Claim 8, wherein the first financing condition is obtained by the lending institution server using the operating data in the first operating period to perform a repayment ability assessment model, the The second financing condition is obtained by the lending institution server executing the repayment ability evaluation mode based on the operation data in the second operation period. The method for adjusting financing conditions on a rolling basis as described in Claim 7, wherein the first financing condition and the second financing condition respectively include a total loan amount, a loan time, a loan interest rate, a repayment schedule, or a The maturity date of the loan. The method for adjusting financing conditions on a rolling basis as described in Claim 7, wherein the server of the e-commerce platform obtains the second operation period corresponding to the user device according to the request for the operation information received from the server of the lending institution in the first period of the operating data. The method for adjusting financing conditions on a rolling basis as described in Claim 7, wherein the operating data includes information on accounts receivable, information on accounts payable, information on inventory value, or information on sales volume.

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