TWM619584U - E-commerce platform server that assists in rolling adjustment of financing conditions - Google Patents

Abstract

This creation discloses an e-commerce platform server that assists in rolling adjustment of financing conditions. The e-commerce platform server includes a memory module, a transmission module, and a processing module. The memory module includes a transaction database. The transmission module receives a loan request from a user device. The processing module obtains operating data corresponding to a first operating period of the user device from the transaction database according to the loan request, and transmits it to a lending institution server. The transmission module obtains a first financing condition from the server of the lending institution. After a second operating period, the processing module transmits 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.

Description

E-commerce platform server that assists in rolling adjustment of financing conditions

This creation is about a server for e-commerce platforms, especially about a server for e-commerce platforms that has the function of assisting in rolling adjustment of financing conditions.

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. Suppliers (ie stores or manufacturers) can not only set up their own websites to sell products or services, but also sell products or services more frequently through online shopping e-commerce platforms.

Generally speaking, after a supplier provides a product to the relevant department of the online shopping e-commerce platform, it must wait for the personnel of the relevant department to check and accept, pack, and put the product on the shelf. It usually takes about 4.5 months (approximately 135 days) from the supplier to prepare the goods to the consumer to complete 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 product sales cost to the supplier. For suppliers, the funding gap is as long as 165 days. In addition, during the hot season, suppliers usually increase the amount of stocks on the online shopping e-commerce platform. Before the goods in stock are sold or settled, it is easier to have insufficient cash flow. Therefore, it is necessary to apply for loans with financial institutions (such as banks) that provide loan services.

Financial institutions can obtain credit scores in the names of sellers, business owners, or suppliers 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. For example, the total loan amount (that is, the establishment of the total amount), the maturity date of the loan, or the frozen amount, etc. Generally speaking, financing conditions are fixed. Among them, after the financial institution determines the total loan amount and informs the lender (seller, business owner or supplier), the loan will be divided into several loans. For example, the total loan amount is 1 million, the initial loan is 300,000, and the subsequent monthly loan is 100,000, which is a total of 7 loans.

However, there is currently no mechanism for adjusting the financing conditions determined 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 during the loan period rises, such as during the hot season, more funds may be needed to reserve sufficient volume.

In view of the above-mentioned issues, the main purpose of this creation is to provide an e-commerce platform server 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 conventional knowledge. Financial institutions’ lending methods are unable to dynamically adjust financing conditions in order to improve the risk management efficiency of financial institutions.

To achieve the above-mentioned purpose, this creation 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 Internet. 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 operating 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. The processing module obtains operating data corresponding to a first operating period of the user device from the transaction database according to the loan request, and transmits it to the lending institution server, and the transmission module obtains a first financing condition from the lending institution server. After a second operating period, the processing module transmits 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.

According to an embodiment of this creation, the second financing condition is based on the updated financing conditions of the operating data during the second operating period.

According to an embodiment of the present invention, the first financing condition is obtained by the lending institution server by executing a repayment ability evaluation mode corresponding to the operating data during the first operating period. The second financing condition is obtained by the lending institution's server using the operating data during the second operating period to perform the repayment ability evaluation model.

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

According to an embodiment of this creation, the processing module obtains the operation data corresponding to the user device during the second operation period from the transaction database according to the interim operation information request received from the lending institution server.

According to an embodiment of this creation, 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.

Continuing from the above, according to the creation of the e-commerce platform server that assists in rolling adjustment of financing conditions, the processing module first obtains the operating data corresponding to the user’s device during a first operating period from the transaction database according to the loan request. And send it 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). With the operating data during the second operating period, the lending institution's server can re-evaluate the supplier's operating conditions (during the second operating period) to determine whether the financing conditions need to be adjusted. 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 payments in the future, thereby avoiding the risk of overdue repayment or bad debt losses on the financial institution. Therefore, the e-commerce platform server that assists in rolling adjustment of financing conditions in this creation 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 corporate resources and reserve sufficient quantities.

In order to better understand the technical content of this creation, some preferred specific embodiments are described as follows.

Fig. 1 is a schematic diagram of the use environment of an e-commerce platform server according to an embodiment of the creation, and Fig. 2 is a flow chart of the method for assisting rolling adjustment of financing conditions according to an embodiment of the creation. Please refer to Figs. 1 and 2 Shown. The e-commerce platform server 1 of this embodiment is a server operated by a power supplier platform (especially an online shopping platform), or a server host. The e-commerce platform server 1 can assist financial institutions (such as banks) to adjust financing conditions in a rolling manner by executing the method of assisting rolling adjustment of financing conditions 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 user 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 “user device 8” in this embodiment refers to an electronic device operated by a product supplier (ie, a manufacturer, business owner, or individual seller) that cooperates with an e-commerce platform operator, and is an electronic device with a communication function. Among them, the manufacturer can 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 capable of executing computer software. FIG. 1 is an example of a personal computer.

The lending institution server 9 in this embodiment includes a bank, a post office, or other network servers of financial institutions with financing services, and may also include private companies that provide loans, and other specific content will be further described later. When a supplier has a capital turnover requirement, the supplier’s staff, business owners or individual sellers 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 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, and used to store the method of assisting rolling adjustment of financing conditions as shown in Figure 2 and the corresponding multiple instructions. Furthermore, 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 partitioned as a transaction database 11 for storing supplier transaction data and operation-related data (below Referred to as operating information).

In addition, the transaction database 11 of the memory module 10 of this embodiment also stores the basic information of the supplier, such as the supplier’s login account on the e-commerce platform, the supplier’s person in charge, telephone number, address, and goods (or services) provided. ) Basic information such as type and capital amount. The supplier's monthly or quarterly supply and sales are also stored in the transaction database 11. Generally speaking, suppliers (including product suppliers or private label manufacturers) provide products or services for sale 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 and a searching unit 22). The processing module 20 is electrically connected to the memory module 10 for accessing data from the transaction database 11 and executing multiple commands corresponding to the method of assisting suppliers in obtaining loans, thereby generating corresponding calculation tasks and searching ( Look for) different actions such as homework and evaluation homework. 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 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). It is sent to the memory module 10 to be stored in the transaction database 11. In addition, the aforementioned data can be integrated into operational data. In other words, the transaction database 11 stores the operating data of each supplier, and the supplier operating data includes an accounts receivable information, an accounts payable information, an inventory value information, a sales quantity information, or a real-time order information. In this embodiment, the operating data may be arranged in time series and stored in the transaction database 11, or the operating data may include transaction time information for the search unit 22 of the processing module 20 to search for operating data during different operating periods.

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 user device 8 and the lending institution server 9 through the transmission module 30. The data transmission method between the e-commerce platform server 1 and the user 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, Implementation of data transmission technologies such as Wi-Fi or 4G LTE. 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 in accordance with the steps of the method for assisting suppliers to obtain loans.

Step S10: The user 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. 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 the A supplier includes the code 00001. All subsequent messages or requests sent by the account include the supplier code corresponding to the supplier. In addition, information such as the account number of the user device 8 and its supplier code are stored in the memory module 10, and preferably can be stored in the transaction database 11.

When a supplier has a capital turnover requirement, personnel of the supplier or manufacturer, business owners, or individual sellers can operate the user device 8 to use the e-commerce platform server 1 of this embodiment to provide a server to the lending institution The server 9 (for example, a server of a bank or a private lending company) makes a loan application. Specifically, the data management interface provided to the supplier by the processing module 20 of the e-commerce platform server 1 may include a loan application icon (icon). When the staff of the supplier clicks on the loan application drawing, the user device 8 transmits the loan request to the server 1 of the e-commerce platform.

In one embodiment, the supplier must first log in to the account registered and applied for before the supplier can operate the supplier's data management interface. Therefore, the loan request transmitted by the user device 8 (for example, supplier A) contains the supplier code (00001). In another embodiment, the supplier (Supplier A) also enters the supplier code (00001) in the data management interface by itself, and this creation is not limited.

Step S11: The e-commerce platform server 1 receives a loan request from the user device 8, and obtains operating data corresponding to the user device 8 during a first operating 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 transmits it to the processing module 20. Preferably, the processing module 20 includes a search unit 22 for searching for the user device 8 corresponding to the loan request and its operating data. In this embodiment, the search unit 22 can search for operating data during different operating periods. Among them, if the search unit 22 searches for operating data based on the loan request, it can find out all the operating data of the supplier from the e-commerce platform up to now (that is, the loan request is made this time), or since the previous loan request was made. All operating data for, or all operating data for other custom 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 during which the supplier corresponding to the user device 8 has operated on the e-commerce platform (that is, until the loan request is made this time), or the period since the previous loan request is made, or other self-defined periods The 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. Then, the operation data corresponding to the user device 8 during the first operation period is obtained from the transaction database 11. For example, the loan request sent by supplier A includes 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. Then, the search unit 22 finds all the operating data of the supplier A in the transaction database 11 during the first operating period (for example, since the store opened, since the last loan application, or other customized periods).

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

Then, the e-commerce platform server 1 transmits the aforementioned operating data during the first operating 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 operating data during the first operating period to obtain a first financing condition.

After the lending institution server 9 receives the operating data of supplier A during the first operating period, it can execute a repayment ability evaluation mode on the operating data to obtain the loan review result ("passed" or "failed"). For example, the common (known) repayment ability assessment model is mainly based on the analysis of the supplier's capital turnover rate, cash ratio and reported turnover to assess the risk of loan approval and better financing conditions. If the loan review result is "passed", it usually includes the initial financing conditions, such as but not limited to the total loan amount (that is, the establishment of the total amount), the movable amount, the loan time, the borrowing interest rate, and the 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 results, including the total loan amount (that is, the establishment of the total amount) of the first financing condition, the movable allocation limit, the loan time, Information such as loan interest rate, repayment schedule, and loan maturity date.

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

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

First, the transmission module 30 of the e-commerce platform server 1 obtains the loan review result from the lending institution server 9. If the loan review result is "passed", it contains information on the first financing conditions. Then, 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 conditions, so that the supplier A can confirm the initial financing conditions.

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

In this embodiment, a predetermined period (ie, the second operating period) can be preset every interval, so that the search unit 22 of the processing module 20 searches the transaction database 11 corresponding to the user device 8 (Supplier A) To obtain the operating data during the second operating period. For example, the second operating period can be preset to be one month after the loan. Since one month has passed since the loan time, the search unit 22 can automatically search for all the operating data of supplier A within one month after the loan, which is the operating data during the second operating time. It should be noted that different types of operating data can be obtained at intervals of different predetermined periods. For example, real-time order information can be updated daily; and information such as accounts receivable, accounts payable, inventory value, or sales quantity can be updated every month.

Step S17: The e-commerce platform server 1 transmits the operating data during the second operating period to the lending institution server 9.

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

Step S18: The lending institution server 9 executes the repayment ability evaluation mode based on the operating data during the second operating time to obtain a second financing condition.

After the lending institution server 9 receives the operating data of the supplier A during the second operating period, it can execute the repayment ability evaluation model again based on the operating data during the second operating period (for example, within one month after lending). 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) 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 capital turnover rate, cash ratio and reported turnover during the second operating period to evaluate the supplier’s subsequent repayment ability. And obtain the updated financing conditions, which are referred to herein as the second financing conditions. For example, if the supplier's operating conditions become better during the second operating period, the (second) financing conditions can be improved, such as increasing the amount of available allocation for the current period or the next period, or lengthening the repayment schedule. This means that the second financing condition is better than 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 available allocation for the current or next period, or shortening the repayment schedule. This means that the second financing condition is inferior to the first financing condition.

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

Step S19: The e-commerce platform server 1 receives the second financing condition and transmits 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 that the updated (second) financing condition becomes better or worse.

FIG. 3 is a flowchart of steps of a method for assisting rolling adjustment of financing conditions according to another embodiment of the creation, 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 foregoing embodiment (FIG. 2) is that steps S36 and S37 of this embodiment are different from steps S16 and S17 of the foregoing embodiment. Since the steps (step S10 to step S15) of obtaining the first financing condition and transmitting it to the user device 8 before step S36 and step S37 are the same as the foregoing embodiment, the foregoing description can be directly referred to.

Step S36: The lending institution server 9 sends an interim operation information request 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, the lending institution server 9 can send an interim operation information request to the e-commerce platform server 1 at a predetermined interval (ie, the second operation period) at predetermined intervals. Similarly, for example, the second operating period can be preset to be one month after the loan. Since one month has passed since the loan time, the lending institution server 9 sends an interim operation information request to the e-commerce platform server 1.

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 during a second operation period corresponding to the user device 8 from the transaction database 11, and sends it to the lending institution server器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 transaction database 11 corresponding to the user according to the interim operation information request Operation data of device 8 (Supplier A) to obtain operation data during the second operating time.

Then, the transmission module 30 transmits the operating data corresponding to the second operating time of the user device 8 (Supplier A) to the lending institution server 9 to perform the subsequent steps of obtaining the second financing condition (steps S18 to S18 to S18). Step S20).

In summary, according to the creation of the e-commerce platform server that assists in rolling adjustment of financing conditions, the processing module first obtains the operating data corresponding to the user’s device during the first operating period from the transaction database according to the loan request. And send it 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). With the operating data during the second operating period, the lending institution's server can re-evaluate the supplier's operating conditions (during the second operating period) to determine whether the financing conditions need to be adjusted. 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 payments in the future, thereby avoiding the risk of overdue repayment or bad debt losses on the financial institution. Therefore, the e-commerce platform server that assists in rolling adjustment of financing conditions in this creation 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 corporate resources and reserve sufficient quantities.

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: E-commerce platform server 10: Memory module 11: Transaction database 20: Processing module 21: Computing unit 22: Search unit 30: Transmission module 8: User device 9: Lending institution server S10～S37: Steps

Figure 1 is a schematic diagram of the use environment of a loan system according to an embodiment of the creation. Fig. 2 is a flow chart of steps of a method for assisting rolling adjustment of financing conditions according to an embodiment of the creation. FIG. 3 is a flowchart of the steps of the method for assisting rolling adjustment of financing conditions according to another embodiment of the creation.

1: E-commerce platform server

10: Memory module

11: Transaction database

20: Processing module

21: Computing unit

22: Search unit

30: Transmission module

8: User device

9: Lending institution server

Claims (6)

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 via a network. The e-commerce platform server includes: A memory module, including a transaction database, the transaction database storing at least one operating data corresponding to the user device; A transmission module that receives a loan request from the user device; and A processing module is electrically connected to the memory module and the transmission module. The processing module obtains the operation corresponding to the user device during a first operation period from the transaction database according to the loan request Data and sent to the server of the lending institution, the transmission module obtains a first financing condition from the server of the lending institution, wherein, After a second operation period, the processing module transmits the operation data corresponding to the user device during the second operation period to the lending institution server, and the transmission module obtains a second operation data from the lending institution server Financing conditions. The e-commerce platform server according to claim 1, wherein the second financing condition is based on the updated financing condition of the operating information during the second operating period. For the e-commerce platform server described in claim 2, wherein the first financing condition is obtained by the lending institution server using the operating data during the first operating period to perform a repayment ability evaluation model, and the second The financing conditions are obtained by the lending institution's server using the operating data during the second operating period to execute the repayment ability evaluation model. The e-commerce platform server according to claim 1, wherein the first financing condition and the second financing condition respectively include a total loan amount, a movable amount, a loan time, a borrowing interest rate, and a repayment schedule , Or a loan maturity date. The e-commerce platform server according to claim 1, wherein the processing module obtains the second operation corresponding to the user device from the transaction database according to an interim operation information request received from the lending institution server The operating data during the period. The e-commerce platform server described in claim 1, wherein the operating data includes an accounts receivable information, an accounts payable information, an inventory value information, and a sales quantity information.

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