TWM619432U - E-commerce platform server that assists in obtaining loan - Google Patents

Abstract

This creation discloses 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 the Internet. The e-commerce platform server includes a memory module, a transmission module, and a processing module. The memory module includes storing a business owner's data and an operating data. The transmission module receives a loan request from the enterprise host device. The processing module obtains the business owner data and operating data corresponding to the business owner terminal device from the memory module according to the loan request. In addition, the processing module executes a repayment ability evaluation model based on the operating data to obtain an evaluation report. The processing module transmits the evaluation report to the host device of the enterprise through the transmission module, and after receiving a confirmed loan request from the host device of the enterprise, transmits the operating data to the server of the lending institution.

Description

E-commerce platform server that assists in obtaining loans

This creation is about a web server for e-commerce platform.

With the rapid development of communications and Internet-related industries, e-commerce has also been driven to flourish. In particular, online shopping e-commerce platforms are frequently used by consumers. Therefore, in addition to setting up a website to sell products or services, business owners more frequently sell products or services through online shopping e-commerce platforms. The e-commerce platform calls the store or manufacturer operated by the business owner as the supplier, and has a supplier database to store the business owner data corresponding to each supplier.

Generally speaking, when financial institutions (such as banks) that provide loan services review the personal loans of business owners, it is based on the business owners’ individual tax returns, financial visas, real estate information, personal credit scores of financial consortium financial joint investigations, or judicial Court litigation records and other materials. In the case that business owners of small suppliers need to prepare more funds by themselves, it is difficult for business owners to obtain loans for their own purposes by only reviewing the financial status of the business owners. For example, in the case of a husband and wife's combined income tax declaration, the annual income of the business owner will appear to be low, making it difficult to obtain a bank loan.

In addition, when applying for credit, individual business owners need to prepare more than one year of sales and tax declaration (401) statements of the business person to support 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 the credit, making it more complicated for business owners to apply for credit than ordinary people, and it may also be more difficult for business owners to pass approval.

In view of the above issues, the main purpose of this creation is to provide an e-commerce platform server that assists in obtaining loans, so as to solve the problem that the conventional financial institutions conduct loan verification and cannot objectively evaluate the financial status of the supplier’s business owners. .

To achieve the above-mentioned purpose, this creation 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 the Internet. 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's data. The transaction database stores at least one operating data corresponding to the data of the business owner. 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. The processing module obtains the business owner data and operating data corresponding to the business owner terminal device from the supplier database and the transaction database according to the loan request. In addition, the processing module executes a repayment ability evaluation model based on the operating data to obtain an evaluation report. The processing module transmits the evaluation report to the host device of the enterprise through the transmission module, and after receiving a confirmed loan request from the host device of the enterprise, transmits the operating data to the server of the lending institution. The transmission module obtains a loan review result from the server of the lending institution and transmits it to the enterprise host device.

According to an embodiment of this creation, the lending institution server executes the repayment ability evaluation mode based on the operating data to obtain the loan review result.

According to an embodiment of the present creation, the evaluation report includes a loan limit, a loan interest rate, and a repayment schedule.

According to an embodiment of this creation, the operating data includes an account receivable information, an account payable information, and a sales quantity information.

In order to achieve the above-mentioned purpose, the author also 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 the Internet. 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's data. The transaction database stores at least one operating data corresponding to the data of the business owner. 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. The processing module obtains the business owner data and operating data corresponding to the business owner terminal device from the supplier database and the transaction database according to the loan request. The processing module transmits operating data to the lending institution server through the transmission module, and the transmission module receives a loan review result from the lending institution server and sends it to the enterprise host device. The server of the lending institution executes a repayment ability evaluation model based on the operating data to obtain the loan review result.

According to an embodiment of this creation, the operating data includes an account receivable information, an account payable information, and a sales quantity information.

Following the above, the e-commerce platform server based on this creation includes a memory module and a processing module. The memory module includes a supplier database and a transaction database to store the supplier’s business owner data and operating data respectively. After the processing module receives the loan request from the business host device, it can obtain the business owner data and operating data corresponding to the business host device from the supplier database and the transaction database respectively. The processing module can first execute the repayment ability evaluation mode based on the operating data to obtain the evaluation report. Therefore, business owners or directors (lenders) can rely on the real-time operating information (for example, 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 capability assessment model can increase the supplier's chance of obtaining loans.

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

In order to let your review committee know more about the technical content of this creation, a preferred specific embodiment is described as follows.

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

In addition, the e-commerce platform server 1 has a communication function, and can be connected to at least one enterprise host device 8 and a lending institution server 9 via the Internet. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (VPN). Among them, the "business host device 8" in this embodiment refers to an electronic device operated by a 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 industry, which includes the product supplier or the manufacturer of its own brand) Or the director who owns its shares. In addition, 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 capable of executing computer software. FIG. 1 is an example of a personal computer.

The lending institution server 9 of this embodiment includes a bank, a post office, or other network servers of financial institutions with financing services, and may also include private lending companies, and other specific content will be further described later. When the business owner has a capital turnover requirement, he can use the e-commerce platform server 1 of this embodiment to apply for a loan by operating the business host 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 may be a fixed or removable non-transitory computer-readable storage medium, including but not limited to random access memory (RAM) and read-only memory. , ROM), flash memory, optical disc, or other similar components, or a combination of the above components. Furthermore, 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 to serve as the supplier database 11 and the transaction database 12 respectively.

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

The transaction database 12 is used to store the transaction data corresponding to the supplier and the data related to the operation (hereinafter referred to as the operation data). In other words, the transaction database 12 corresponds to the business data of the business owner data. 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 that are sold on e-commerce platforms for online shopping. After consumers place an order on the e-commerce platform, most of the products are shipped by the e-commerce platform, and a few are shipped directly 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 to the supplier on a monthly basis. Therefore, the e-commerce platform server 1 can obtain relevant information such as the shipment volume, inventory volume, accounts receivable and accounts payable of each supplier.

In addition, the processing module 20 can be, for example, but not limited to, one or more central processing units (central processing unit, CPU), microcontroller (micro control unit, MCU), digital signal processor (digital signal processor, DSP), or Other electronic components or integrated circuits (ICs) with signal processing, logic operations and electronic device control capabilities. The processing module 20 includes a chip set formed by a plurality of units (such as a computing unit 21, a searching unit 22, and an evaluation unit 23). The processing module 20 is electrically connected to the memory module 10 for accessing data from the transaction database 12, and executing multiple commands corresponding to the method of assisting in obtaining loans, thereby generating corresponding calculation tasks, searching (finding, and searching). ) Different actions such as homework and assessment homework. According to the different functions of the processing module 20, it is divided into multiple 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 data related to operations 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. In addition, the aforementioned data can be integrated into operational data. In other words, the transaction database 12 stores operating data of each business owner (supplier), and the operating data includes information on accounts receivable, information on accounts payable, and information on sales volume.

In addition, 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 method of data transmission between the e-commerce platform server 1 and the enterprise host device 8, and the lending institution server 9 is different according to the hardware architectures that cooperate with each other. Specifically, it can be through compliance with, for example, Ethernet, 3G , Wi-Fi or 4G LTE and other data transmission technologies are realized. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (VPN).

Please refer to Figure 1 and Figure 2. The following further describes the implementation of the e-commerce platform server 1 according to the step process of the method of assisting in obtaining a loan.

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

In one embodiment, the supplier must first register an account on the e-commerce platform before listing 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 supplier's account. For example, the account number is a message sent by supplier A and contains the code 00001. Subsequent messages or requests sent by the account include the code corresponding to the provider, so that the e-commerce platform server 1 of this embodiment can achieve a single real-name personal verification effect, so that financial behavior must be executed by the person. Relevant laws and regulations. In addition, information such as the supplier's account number and code are stored in the memory module 10, and preferably can be stored 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 operated exclusively by the business owner, and messages or requests sent by operating this management interface additionally include a specific code, such as code X. Among them, the management interface operated exclusively by business owners may include loan application icons (icons). When the business owner or director (hereinafter referred to as the lender) has a capital turnover requirement, the business owner device 8 can be operated to use the e-commerce platform server 1 of this embodiment to send the loan institution server 9 (such as a bank, Or the server of a private lending company) to apply for a loan. For example, first enter the management interface operated by the business owner, and then 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 (for example, the business owner or director of Supplier A) uses the business owner device 8 to operate the management interface dedicated to the business owner, and the loan request transmitted by the lender includes a specific code (00001-X). In another embodiment, the management interface for the exclusive business owner may further include a field for inputting lender information, and this creation is not limited. For example, if a supplier has a responsible person and multiple directors, you can enter the lender's identity information (such as the ID number) or enter the code as mentioned above.

Step S20: The e-commerce platform server 1 receives the loan request from the business host device 8, and obtains the business owner data and operating data corresponding to the business host device 8 from the supplier database 11 and the transaction database 12 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 data and operating 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 data corresponding to the business owner device 8 according to the code (00001-X) contained in the loan request or the identity information entered by the lender. Then, further obtain the operating data corresponding to the enterprise host device 8 from the transaction database 12. By using the e-commerce platform server 1 of this embodiment to provide the operating data of the host device 8 of the enterprise, the inefficiency of traditional bank physical paper operations can be reduced.

For example, the loan request sent by the lender through the enterprise host device 8 includes the 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 confirm that the lender is the business owner of the supplier A (business owner data) according to the code X. Or, the search unit 22 determines that the lender is the business owner or director (business owner information) of supplier A based on the information input by the lender. In addition, the search unit 22 can find the operating information of 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 transmits it to the enterprise host device 8.

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

In addition, the evaluation report R obtained after the evaluation unit 23 executes the repayment ability evaluation mode with the operating data includes the approved loan limit, the borrowing interest rate, and the repayment schedule, as shown in FIG. 3 first. Fig. 3 is a schematic diagram of the evaluation report displayed on the host device of the enterprise 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 evaluation 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 the loan amount, interest rate, or repayment schedule in the appraisal report R. In addition, the basic information I related to operation can also be presented in the same interface as the evaluation report R for reference and evaluation by the lender.

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

If you click the "Apply for Loan Now" pattern, the business host device 8 can send and receive a loan confirmation request to the server 1 of the e-commerce platform.

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

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

Step S30: The e-commerce platform server 1 transmits the business owner data and operating data to the lending institution server 9.

Then, the processing module 20 transmits the operating data to the lending institution server 9 through the transmission module 30. Preferably, in this embodiment, the business owner data and operating data are sent to the lending institution server 9 at the same time. For example, the operating data of vendor A and related data (business owner data) of its business owners or directors 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 operating data includes the accounts receivable information, accounts payable information, and sales volume information generated by the supplier's operation on the e-commerce platform, which can increase the supplier's chance of obtaining loans. Preferably, the lender's server 9 can also send the lender’s deposits or other financial-related information, such as but not limited to tax returns, financial visas, real estate information, personal credit scores of financial consortium financial joint investigations, or the Judicial Court Information such as litigation records can be used as auxiliary evaluation indicators.

The common (known) personal repayment ability assessment model is mainly based on the lender's annual income and deposits. As mentioned in the previous technical paragraphs, business owners of small suppliers need to prepare more funds on their own. If only the financial status of the business owner is reviewed, it will not be possible to objectively evaluate the business owner’s 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 execute the repayment ability evaluation mode. In other words, the supplier's operating income (operating data) on the e-commerce platform is used as an evaluation element to replace the conventional income certificate used to evaluate the repayment ability, thereby increasing the supplier's chance of obtaining a loan. In addition, if the supplier holds shares for more than one person, the operating income or the aforementioned analysis elements can be multiplied by the shares held by the lender (business owner or director) before the evaluation.

As also 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 disagree with the loan limit, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who abandon the loan application), which can speed up the lending institutions (including banks or private lending institutions). ) Review the overall efficiency of the loan.

Step S50: The e-commerce platform server 1 receives the loan review result from the lending institution server 9 and transmits it to the enterprise host 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 host device 8. Among them, the loan review results include "passed", "insufficient information", or "failed". The loan audit result that is "passed" can include information such as the loan amount, interest rate, and repayment schedule. "Insufficient information" review results include document errors or insufficient documents, such as but not limited to missing documents, misplanting, mismatched fields and documents, incorrect document versions (such as non-up-to-date for-profit business registration certificates), and data errors (such as company The name or the name of the person in charge does not match, etc.). If the review 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 result for most applications is " pass through".

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

The enterprise host 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, borrowing interest rate, or repayment schedule, it can also display a confirmation pattern of "rejected" or "agreeed". The supplier can reconfirm the loan amount, loan interest rate, or repayment schedule and other information, and then confirm whether to approve the loan. If the confirmation pattern 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 lending operations.

Figure 4 is a schematic diagram of the use environment of the e-commerce platform server in the second embodiment of the creation, and Figure 5 is a flow chart of the steps of the method of assisting in obtaining a loan in the second embodiment of the creation. Please refer to Figures 4 and 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 among other components of the e-commerce platform server 1a of this embodiment, and the connection relationship with the enterprise host device 8 and the lending institution server 9 are all the same as those of the e-commerce platform of the first embodiment. The platform server 1 is the same, so its component symbols are used.

Moreover, the difference between the method for assisting in obtaining a loan in the second embodiment and the first embodiment is that it does not include steps S22 to S28. In other words, the transmission module 30 receives the loan request from the business host device 8, and the processing module 20 obtains the business owner data and operating data corresponding to the business host device 8 from the supplier database 11 and the transaction database 12, respectively (step After S20), the business owner data and operating 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 supplier’s real-time sales volume, accounts receivable and accounts payable on the e-commerce platform are included in the analysis of the repayment ability evaluation model One of the essentials, which in turn can increase the supplier’s chances of obtaining loans.

In summary, the e-commerce platform server based on this creation includes a memory module and a processing module. The memory module includes a supplier database and a transaction database to store the supplier’s business owner data and operating data respectively. After the processing module receives the loan request from the business host device, it can obtain the business owner data and operating data corresponding to the business host device from the supplier database and the transaction database respectively. The processing module can first execute the repayment ability evaluation mode based on the operating data to obtain the evaluation report. Therefore, business owners or directors (lenders) can rely on the real-time operating information (for example, 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 supplier's chance of obtaining loans.

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

It should be noted that many of the above-mentioned embodiments are given as examples for the convenience of description, and the scope of rights claimed in this creation should be subject to the scope of the patent application, and not limited to the above-mentioned embodiments.

1.1a: E-commerce platform server 10: Memory module 11: Supplier database 12: Transaction database 20: Processing module 21: Computing unit 22: Search unit 23: Evaluation Unit 30: Transmission module 8: Enterprise host device 81: display screen 9: Lending institution server I: Basic information R: Evaluation report S10～S60: steps

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

1: E-commerce platform server

10: Memory module

11: Supplier database

12: Transaction database

20: Processing module

21: Computing unit

22: Search unit

23: Evaluation Unit

30: Transmission module

8: Enterprise host device

9: Lending institution server

Claims (6)

An e-commerce platform server that assists in obtaining loans is connected to at least one enterprise host device and a lending institution server through the Internet. The e-commerce platform server includes: A memory module, including a supplier database and a transaction database, the supplier database storing at least one business owner data, and the transaction database storing at least one business data corresponding to the business owner data; A transmission module that receives a loan request from the enterprise host device; and A processing module is electrically connected to the memory module and the transmission module. The processing module obtains the enterprise corresponding to the enterprise host device from the supplier database and the transaction database according to the loan request Master data and the operating data, and the processing module uses the operating data to execute a repayment ability evaluation model to obtain an evaluation report, the processing module transmits the evaluation report to the enterprise host device through the transmission module, and After receiving a loan confirmation request from the enterprise host device, the operating data is transmitted to the lending institution server, and the transmission module obtains a loan review result from the lending institution server and transmits it to the enterprise host device. The e-commerce platform server according to claim 1, wherein the lending institution server executes the repayment ability evaluation model with the operating data to obtain the loan review result. The e-commerce platform server according to claim 1, wherein the evaluation report includes an approved loan limit, a borrowing interest rate, and a repayment schedule. The e-commerce platform server described in claim 1, wherein the operating data includes an account receivable information, an account payable information, and a sales quantity information. An e-commerce platform server that assists in obtaining loans is connected to at least one enterprise host device and a lending institution server through the Internet. The e-commerce platform server includes: A memory module, including a supplier database and a transaction database, the supplier database storing at least one business owner data, and the transaction database storing at least one business data corresponding to the business owner data; A transmission module that receives a loan request from the enterprise host device; and A processing module is electrically connected to the memory module and the transmission module. The processing module obtains the enterprise corresponding to the enterprise host device from the supplier database and the transaction database according to the loan request Master data and the operating data, the processing module transmits the operating data to the lending institution server through the transmission module, and the transmission module receives a loan review result from the lending institution server and sends it to the business owner Device, The server of the lending institution executes a repayment ability evaluation mode based on the operating data to obtain the loan review result. For the e-commerce platform server described in claim 5, the operating data includes an account receivable information, an account payable information, and a sales quantity information.

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