WO2017100994A1 - 基于大数据的贷款方法和系统 - Google Patents

基于大数据的贷款方法和系统 Download PDF

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Publication number
WO2017100994A1
WO2017100994A1 PCT/CN2015/097363 CN2015097363W WO2017100994A1 WO 2017100994 A1 WO2017100994 A1 WO 2017100994A1 CN 2015097363 W CN2015097363 W CN 2015097363W WO 2017100994 A1 WO2017100994 A1 WO 2017100994A1
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WIPO (PCT)
Prior art keywords
information
merchant
credit
dynamic information
equal
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PCT/CN2015/097363
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English (en)
French (fr)
Inventor
张毅
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深圳市银信网银科技有限公司
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Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/097363 priority Critical patent/WO2017100994A1/zh
Priority to CA2995912A priority patent/CA2995912C/en
Publication of WO2017100994A1 publication Critical patent/WO2017100994A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of financial management technologies, and in particular to a loan method and system based on big data.
  • a big data-based loan method that includes:
  • the merchant is notified to issue the loan.
  • a big data-based loan system comprising a server, the server comprising a processor and a non-implementable storage medium, the processor further comprising:
  • the acquisition module is coupled with the non-implementable storage medium, and is used to obtain a dynamic information credential of the completed transaction;
  • the statistical module is coupled to the non-implementable storage medium, and is configured to obtain big data information operated by the merchant according to the dynamic information credential statistics of the completed transaction, where the big data information includes asset information and credit information of the merchant;
  • the extraction module is coupled to the non-implementable storage medium, and is configured to extract a credit level corresponding to the amount of the asset information and the credit information;
  • the determining module is coupled to the non-implementable storage medium, and configured to determine whether the amount is greater than or equal to a preset amount and whether the credit level is greater than or equal to a preset level;
  • the notification module is coupled to the non-implementable storage medium for notifying the merchant to issue the loan if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level.
  • a big data based loan system comprising a server, the server comprising a processor and a non-volatile storage medium, the non-volatile storage medium storing instructions, the instructions being by the processor When executed, the processor may be caused to perform the following steps:
  • the merchant is notified to issue the loan.
  • a computer non-volatile storage medium containing computer executable instructions for performing a big data based loan method comprising the steps of:
  • the merchant is notified to issue the loan.
  • the above-mentioned big data-based loan method and system obtains the dynamic information voucher of the completed transaction; and obtains the big data information operated by the merchant according to the dynamic information voucher statistics of the completed transaction, and the big data information includes the asset information and credit information of the merchant; The credit amount corresponding to the asset information and the credit level corresponding to the credit information; whether the amount is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level; if yes, the merchant is notified to issue the loan. Since the big data information is obtained according to the dynamic information voucher of the transaction that the merchant has completed, the asset information and the credit information in the big data information can reflect the business condition and credit status of the merchant.
  • the amount corresponding to the asset information is greater than or equal to the preset amount and the level corresponding to the credit information is greater than or equal to the preset level, thereby indicating that the business condition and credit status of the merchant are good, and the bank has a certain ability to repay the loan, thereby notifying the merchant to issue the loan.
  • 1 is an application environment diagram of a big data-based loan method in an embodiment
  • FIG. 2 is a flow chart of a big data based loan method in one embodiment
  • FIG. 3 is a flow chart of a big data based loan method in still another embodiment
  • FIG. 4 is a schematic structural diagram of a loan system based on big data in an embodiment
  • FIG. 5 is a schematic structural diagram of a loan system based on big data in still another embodiment
  • FIG. 6 is a schematic structural diagram of a loan system based on big data in another embodiment
  • FIG. 7 is a schematic structural diagram of a big data-based loan system in still another embodiment
  • FIG. 8 is a schematic structural diagram of a generation module in an embodiment
  • FIG. 9 is a schematic diagram showing the internal structure of a server in an embodiment.
  • the method provided by the embodiment of the present invention can be applied to an application environment as shown in FIG. 1.
  • the first terminal 102 communicates with the bank server 104 over the network 108.
  • the first terminal 102 communicates with the second terminal 106 over the network 110.
  • the first terminal 104 transmits the commodity information data to the bank server 104 via the network 108, and the bank server 104 generates a corresponding dynamic information voucher and displays it.
  • the first terminal 102 obtains these dynamic information credentials and publishes over the network 110 using the installed application.
  • the second terminal 106 acquires the dynamic information credential issued by the first terminal 102, and completes the transaction for the specified dynamic information credential.
  • the first terminal 102 transmits the related information of the dynamic information voucher of the completed transaction to the bank server 104.
  • the bank server 104 obtains the business big data information of the merchant corresponding to the first terminal 102 according to the dynamic information voucher statistics of the completed transaction, and determines whether the merchant corresponding to the first terminal 102 has the loan condition according to the big data information. If the loan condition is available, the bank server 104 notifies the merchant to issue the loan. This will help banks or other financial institutions to effectively reduce loan approval time and speed up lending.
  • FIG. 2 is a schematic flow chart of a big data-based loan method provided in an embodiment. It should be understood that although the various steps in the flowchart of FIG. 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and may be performed in other sequences. Moreover, at least some of the steps in FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the order of execution thereof is not necessarily This may be performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • the method is applied to a bank server as an example, and specifically includes the following steps:
  • Step 202 Acquire a dynamic information credential of the completed transaction.
  • a dynamic information credential is a collection of information, including merchandise information, transaction information, logistics information, order information, and the like. Each dynamic information voucher corresponds to one item.
  • the bank server provides a data platform corresponding to the dynamic information voucher for a plurality of merchants, and the merchant inputs information of the dynamic information voucher of the completed transaction to the data platform.
  • the merchant opens a data interface for the dynamic information credential for the bank server, so that the bank server obtains the dynamic information credential that the merchant has successfully traded in time.
  • Step 204 Obtain big data information operated by the merchant according to the dynamic information voucher statistics of the completed transaction, where the big data information includes asset information and credit information of the merchant.
  • the dynamic information credential of the completed transaction that the bank server can obtain may be for multiple merchants.
  • the dynamic information credential has a unique identifier that can be used to determine the merchant to which the dynamic information credential belongs.
  • the dynamic information voucher of a large number of completed transactions can be respectively determined to belong to the merchant to which it belongs, that is, the dynamic information voucher that can complete the transaction of each merchant can be obtained.
  • Step 206 Extract the credit level corresponding to the amount of the asset information and the credit information.
  • the big data information operated by each merchant includes the asset information and credit information of the merchant.
  • the asset information refers to information such as the business income of the merchant, and may include a plurality of contents, such as sales income, gross profit, and the like.
  • Credit information is information used to evaluate a merchant's credit. Dynamic Information Voucher After the transaction is completed, the buyer can make a credit evaluation of the completed transaction.
  • the credit information includes a plurality of contents, such as product description, merchant service attitude, merchant delivery speed, average refund speed, etc., the buyer can score each item in the credit information, and accumulate all the points to obtain the merchant's Total credit score. By comparing the merchant's credit total score with the score corresponding to the preset rating, the merchant's credit rating can be determined.
  • the credit level corresponding to the asset information and the credit information corresponding to the credit information are extracted, which provides powerful data support for the bank or other financial institution to issue loans to the merchant.
  • Step 208 Determine whether the amount is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level; if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level, proceed to step 208, otherwise, end.
  • the amount corresponding to the asset information may be the sales income, gross profit, etc. in the first preset time, for example, the total sales income of 2 years from the date of applying for the loan.
  • the level corresponding to the credit information is also the credit rating of the merchant, for example, 3 stars.
  • the loan conditions can be pre-set for the merchant applying for the loan.
  • the pre-set loan condition may be that the amount corresponding to the asset information is greater than or equal to the preset amount and the level corresponding to the credit information is greater than or equal to the preset level.
  • Step 210 notifying the merchant to issue a loan.
  • the bank server notifies the merchant to issue the loan. This effectively saves the loan approval time of banks or other financial institutions.
  • the dynamic information voucher of the completed transaction is obtained; the big data information operated by the merchant is obtained according to the dynamic information voucher statistics of the completed transaction, and the big data information includes the asset information and the credit information of the merchant; and the amount corresponding to the extracted asset information is extracted. a credit rating corresponding to the credit information; determining whether the amount is greater than or equal to the preset amount and whether the credit rating is greater than or equal to the preset level; if so, notifying the merchant to issue the loan. Since the big data information is obtained according to the dynamic information voucher of the transaction that the merchant has completed, the asset information and the credit information in the big data information can reflect the business condition and credit status of the merchant.
  • the amount corresponding to the asset information is greater than or equal to the preset amount and the level corresponding to the credit information is greater than or equal to the preset level, thereby indicating that the business condition and credit status of the merchant are good, and the bank has a certain ability to repay the loan, for the bank or other financial institution.
  • Providing loans to merchants provides strong data support, which in turn informs merchants to issue loans, which can help banks or financial institutions to effectively reduce loan approval time and speed up lending.
  • the method further includes: calculating the transaction satisfaction rate of the merchant by using the credit information; if the amount is greater than or equal to the preset amount and the credit rating is greater than or If it is equal to the preset level, it is further determined whether the transaction satisfaction rate is greater than or equal to the preset ratio; if so, the merchant is notified to issue the loan.
  • the buyer can score each item in the credit information. If the score of each item is a perfect score, the buyer is satisfied with the transaction.
  • the transaction that scores a full score in each customer's credit information is extracted, and the ratio of the number of transactions with all scores to the full transaction data is calculated to obtain the transaction satisfaction rate of the merchant.
  • the merchant's transaction satisfaction rate can directly reflect the buyer's satisfaction with the business operation. If the transaction satisfaction rate is high, it means that the buyer's recognition of the business operation further reflects the merchant's good credit status and business status.
  • FIG. 3 The flow chart of the big data based loan method in this embodiment is shown in FIG. 3:
  • Step 302 Acquire a dynamic information credential of the completed transaction.
  • Step 304 Obtain big data information operated by the merchant according to the dynamic information credential statistics of the completed transaction, where the big data information includes asset information and credit information of the merchant.
  • Step 306 extracting the credit level corresponding to the amount of the asset information and the credit information.
  • Step 308 calculating the transaction satisfaction rate of the merchant by using the credit information.
  • Step 310 Determine whether the amount is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level; if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level, proceed to step 312, otherwise, end.
  • step 312 it is determined whether the transaction satisfaction rate is greater than or equal to the preset ratio; if yes, the process proceeds to step 314, otherwise, the process ends.
  • step 314 the merchant is notified to issue a loan.
  • the method before the step of acquiring the dynamic information credential of the completed transaction, the method further includes: generating a dynamic information credential of the merchant; displaying the dynamic information credential, so that the first terminal acquires the dynamic information credential and installs through the first terminal
  • the application issues a dynamic information credential, and causes the second terminal to complete the transaction of the specified dynamic information credential by acquiring the dynamic information credential issued by the first terminal.
  • the dynamic information credential of the merchant is generated by the bank server.
  • the bank server After the bank server generates the dynamic information voucher of the merchant, it only displays the dynamic information voucher and does not participate in the transaction of the dynamic information voucher.
  • the merchant can use the first terminal to obtain the dynamic information credential displayed on the bank server.
  • the application installed on the first terminal can publish the dynamic information credential obtained from the bank server through the network.
  • the buyer obtains the dynamic information voucher issued on the first terminal by using the second terminal, and performs transaction on the specified dynamic information voucher.
  • the merchant directly delivers the goods, and the third-party logistics platform can provide the logistics information data interface to the first terminal of the merchant, so that the physical information can be added in time to the dynamic information credential that reaches the transaction.
  • the buyer completes the payment receives the goods, and does not return within the second preset time, the transaction is deemed completed.
  • the buyer can make a credit evaluation of the completed transaction.
  • the seller purchases the goods through the bank server, and the goods received are the dynamic information certificates displayed on the bank server.
  • the merchant can be understood as a manufacturer, and the seller can be understood as a small merchant.
  • the seller uses the third terminal to obtain the dynamic information displayed on the bank server, and uses the application installed on the third terminal to publish the obtained dynamic information credential through the network.
  • the buyer uses the second terminal to obtain the dynamic information credential issued on the third terminal, and performs the transaction on the specified dynamic information credential. This makes it easy for sellers to participate in online transactions as small merchants.
  • the method before the step of acquiring the dynamic information credential of the completed transaction, the method further includes: generating a dynamic information credential of the merchant and performing the display; receiving a transaction instruction of the second terminal for the specified dynamic information credential; The second terminal pairs the transaction of the specified dynamic information voucher.
  • the bank server displays the dynamic information credentials of the merchant after displaying the dynamic information credentials.
  • the buyer can directly use the second terminal to send a transaction instruction to the bank server for the specified dynamic information voucher, and the bank server completes the transaction for the specified dynamic information voucher according to the transaction instruction. Since the bank server can generate these dynamic information credentials directly after generating the merchant's dynamic information credentials, the bank server does not need to purchase the goods.
  • the transaction of the specified dynamic information voucher can be completed, thereby causing the bank server to assume the role of the e-commerce, thereby opening up a new type of shopping method.
  • the bank server returns these dynamic information credentials directly to the merchant after generating the merchant's dynamic information credentials, and no longer displays the dynamic information credentials.
  • the merchant posts the dynamic information credential through the network by using the application installed on the first terminal.
  • the seller obtains the dynamic information credential issued by the first terminal by using the application installed on the third terminal, and can re-publish and forward the dynamic information credential.
  • the buyer can use the second terminal to conduct the transaction of the dynamic information voucher issued on the first terminal, or the dynamic information voucher issued on the third terminal.
  • the merchant enters the relevant information of the dynamic information voucher of the completed transaction into the bank server to provide a data platform corresponding to the dynamic information voucher for the plurality of merchants, so that the bank server obtains the relevant information of the dynamic information voucher of the completed transaction.
  • the step of generating a dynamic information credential of the merchant comprises: acquiring merchandise information data; and generating a corresponding dynamic information credential according to the merchandise information data.
  • the server inputs the product information data on the dynamic information voucher setting page by using the first terminal according to the dynamic information voucher setting page, wherein the information data includes merchant information, product information, transaction rules, payment information, physical information, and the like.
  • the server generates a corresponding dynamic information credential according to the commodity information data input by the first terminal.
  • Each dynamic information credential has a unique identifier, which may be the number of the dynamic information credential, and the like.
  • Each dynamic information credential corresponds to only one or a class of merchandise, and the merchant to which the dynamic information credential belongs can be determined according to the identifier.
  • the merchant may send a request for generating a dynamic information credential to the bank server by using an application (Application, APP for short) installed on the first terminal, and then submit the information data to the bank server by using the application.
  • the bank server generates a corresponding dynamic information credential according to the information data submitted by the application.
  • the bank server sends a notification to the first terminal that the dynamic information credential has been successfully generated.
  • a big data-based loan system includes a server.
  • the server includes a processor and a non-implementable storage medium.
  • the processor further includes: an obtaining module 402 and a statistics module 404. , an extraction module 406, a determination module 408, and a notification module 410, wherein:
  • the obtaining module 402 is coupled to the non-implementable storage medium for obtaining the dynamic information credential of the completed transaction.
  • the statistics module 404 is coupled to the non-implementable storage medium, and is configured to obtain big data information operated by the merchant according to the dynamic information credential statistics of the completed transaction, where the big data information includes asset information and credit information of the merchant.
  • the extraction module 406 is coupled to the non-implementable storage medium for extracting the credit level corresponding to the amount of the asset information and the credit information.
  • the determining module 408 is coupled to the non-implementable storage medium for determining whether the amount is greater than or equal to the preset amount and whether the credit level is greater than or equal to the preset level.
  • the notification module 410 is coupled to the non-implementable storage medium for notifying the merchant to issue the loan if the amount is greater than or equal to the preset amount and the credit level is greater than or equal to the preset level.
  • the system further includes: the computing module 412 is coupled to the non-implementable storage medium for calculating the transaction satisfaction rate of the merchant by using the credit information; the determining module 408 is further configured to: if the amount is greater than or If the transaction satisfaction rate is greater than or equal to the preset ratio, the notification module 410 is further configured to notify the merchant to issue if the transaction satisfaction rate is greater than or equal to the preset ratio. loan.
  • the system further includes: a generating module 414 and a presentation module 416, wherein:
  • the generating module 414 is coupled to the non-implementable storage medium for generating a dynamic information credential of the merchant
  • the display module 416 is coupled to the non-implementable storage medium for displaying the dynamic information credential, so that the first terminal acquires the dynamic information credential and issues the dynamic information credential through the application installed on the first terminal, and causes the second terminal to obtain the first
  • the dynamic information voucher issued by the terminal completes the transaction for the specified dynamic information voucher.
  • the generating module 414 is further configured to generate a dynamic information credential of the merchant; the displaying module 416 is further configured to display the dynamic information credential; as shown in FIG. 7, the system further includes: a receiving module 418 and a transaction module 420, wherein:
  • the receiving module 418 is coupled to the non-implementable storage medium for receiving a transaction instruction of the second terminal for specifying the dynamic information credential;
  • the transaction module 420 is coupled to the non-implementable storage medium for completing the transaction of the second terminal to the specified dynamic information voucher according to the transaction instruction.
  • the generation module 414 includes an acquisition unit 414a and a generation unit 414b, wherein:
  • An obtaining unit 414a configured to acquire commodity information data
  • the generating unit 414b is configured to generate a corresponding dynamic information credential according to the commodity information data.
  • a big data-based loan system comprising a server, the server comprising a processor and a non-volatile storage medium, wherein the non-volatile storage medium stores instructions, and when the instructions are executed by the processor, the processor can perform the following steps :
  • the merchant is notified to issue the loan.
  • the server includes a processor, a non-volatile storage medium, a memory, and a network interface connected through a system bus.
  • the non-volatile storage medium of the server stores an operating system, a database, and a loan processing device, and the loan processing device is configured to implement a big data-based loan method suitable for a server.
  • the server's processor is used to provide computing and control capabilities that support the operation of the entire server.
  • the server's memory provides an environment for the operation of a big data-based loan processing device in a non-volatile storage medium.
  • the network interface of the server is used to communicate with an external terminal via a network connection, such as obtaining a dynamic information credential for a completed transaction.
  • the server can be implemented by a separate server or by multiple servers, for example, the server can include a loan processing server and a storage server.
  • a computer non-volatile storage medium is also provided.
  • a computer non-volatile storage medium containing computer executable instructions for performing a big data based loan method comprising the steps of:
  • the merchant is notified to issue the loan.

Abstract

一种基于大数据的贷款方法，所述方法包括：获取已完成交易的动态信息凭证（202）；根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息（204）；提取所述资产信息对应的金额与所述信用信息对应的信用等级（206）；判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别（208）；若是，则通知商家发放贷款（210）。

Description

基于大数据的贷款方法和系统
【技术领域】
本发明涉及金融管理技术领域，特别是涉及一种基于大数据的贷款方法和系统。
【背景技术】
随着网络交易的迅速发展，小额信贷、网店贷等多种新型的贷款业务也应运而生。通常贷款方需要按照银行或金融机构的要求提供贷款申请资料，等待银行或金融机构审批通过后，贷款方可以拿到贷款。为了规避贷款风险，银行或其他金融机构会要求贷款方有良好的信用和一定的还贷能力。根据贷款方的信用和还贷能力如何有效减少贷款审批时间加快放贷速度，成为贷款方关心的一个技术问题。
【发明内容】
基于此，有必要针对上述技术问题，提供一种有效减少贷款审批时间加快放贷速度的基于大数据的贷款方法和系统。
一种基于大数据的贷款方法，包括：
获取已完成交易的动态信息凭证；
根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；及
若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
一种基于大数据的贷款系统，所述系统包括服务器，所述服务器包括处理器及非易实现存储介质，所述处理器进一步包括：
获取模块与非易实现存储介质耦合，用于获取已完成交易的动态信息凭证；
统计模块与非易实现存储介质耦合，用于根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取模块与非易实现存储介质耦合，用于提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断模块与非易实现存储介质耦合，用于判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
通知模块与非易实现存储介质耦合，用于若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
一种基于大数据的贷款系统，所述系统包括服务器，所述服务器包括处理器及非易失性存储介质，所述非易失性存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
获取已完成交易的动态信息凭证；
根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
一种包含计算机可执行指令的计算机非易失性存储介质，所述计算机可执行指令用于执行一种基于大数据的贷款方法，所述方法包括以下步骤：
获取已完成交易的动态信息凭证；
根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
上述基于大数据的贷款方法和系统，获取已完成交易的动态信息凭证；根据已完成交易的动态信息凭证统计得到商家经营的大数据信息，大数据信息中包括商家的资产信息和信用信息；提取资产信息对应的金额与信用信息对应的信用等级；判断金额是否大于或等于预设额度并且信用等级是否大于或等于预设级别；若是，则通知商家发放贷款。由于大数据信息是根据商家已完成交易的动态信息凭证统计得到的，因此大数据信息中的资产信息和信用信息能够反映商家的经营状况和信用状况。如果资产信息对应的金额大于或等于预设额度并且信用信息对应的级别大于或等于预设级别，从而说明商家的经营状况和信用状况良好，并且具有一定的还贷能力，进而通知商家发放贷款，为银行或其他金融机构向商家发放贷款提供了强大的数据支持。由此能够有利于银行或其他金融机构有效减少贷款审批时间加快放贷速度。
【附图说明】
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他实施例的附图。
图1为一个实施例中基于大数据的贷款方法的应用环境图；
图2是一个实施例中基于大数据的贷款方法的流程图；
图3为又一个实施例中基于大数据的贷款方法的流程图；
图4为一个实施例中基于大数据的贷款系统的结构示意图；
图5为又一个实施例中基于大数据的贷款系统的结构示意图；
图6为另一个实施例中基于大数据的贷款系统的结构示意图；
图7为再一个实施例中基于大数据的贷款系统的结构示意图；
图8为一个实施例中生成模块的结构示意图；
图9为一个实施例中服务器的内部结构示意图。
【具体实施方式】
本发明实施例提供的方法可以应用于如图1所示的应用环境中。第一终端102通过网络108与银行服务器104进行通信。第一终端102通过网络110与第二终端106进行通信。第一终端104将商品信息数据通过网络108发送至银行服务器104，银行服务器104生成对应的动态信息凭证并进行展示。第一终端102获取这些动态信息凭证，并利用安装的应用通过网络110进行发布。第二终端106获取第一终端102发布的动态信息凭证，并对指定的动态信息凭证完成交易。第一终端102将已完成交易的动态信息凭证的相关信息发送至银行服务器104中。银行服务器104根据已完成交易的动态信息凭证统计得到第一终端102所对应的商家的经营大数据信息，根据大数据信息判断第一终端102所对应的商家是否具备贷款条件。若具备贷款条件则银行服务器104通知商家发放贷款。由此能够有利于银行或其他金融机构有效减少贷款审批时间加快放贷速度。
图2为一个实施例中所提供的一种基于大数据的贷款方法的流程示意图。应该理解的是，虽然图2的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，其可以以其他的顺序执行。而且，图2中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。以该方法应用于银行服务器为例进行说明，具体包括以下步骤：
步骤202，获取已完成交易的动态信息凭证。
动态信息凭证是一系列信息的集合，包括商品信息、交易信息、物流信息、订单信息等。每个动态信息凭证对应一个商品。
在其中一个实施例中，银行服务器为众多商家提供动态信息凭证对应的数据平台，商家将自己的已完成交易的动态信息凭证的信息录入到该数据平台。在另一个实施例中，商家为银行服务器开通动态信息凭证的数据接口，使得银行服务器及时获取到商家已交易成功的动态信息凭证。
步骤204，根据已完成交易的动态信息凭证统计得到商家经营的大数据信息，大数据信息中包括商家的资产信息和信用信息。
商品在完成交易之后，也就是动态信息凭证在完成交易之后，动态信息凭证中的信息中的交易信息、物流信息、订单信息等会增加相应的内容。随着商品销量的增长，逐渐形成众多商家经营的大数据信息。银行服务器可以获得的已完成交易的动态信息凭证可以是多个商家的。动态信息凭证具有唯一标识，能够用于确定该动态信息凭证所属的商家。由此能够根据动态信息凭证的标识将大量已完成交易的动态信息凭证分别确定其所属的商家，也就是能够得到每个商家已完成交易的动态信息凭证。进而能够统计得到每个商家经营的大数据信息。
步骤206，提取资产信息对应的金额与信用信息对应的信用等级。
每个商家经营的大数据信息中包括商家的资产信息和信用信息等。其中资产信息是指商家经营收入等信息，可以包括多项内容，例如销售收入、毛利润等。信用信息是指用来评价商家信用的信息。动态信息凭证在完成交易之后，买家可以对已完成的交易做一次信用评价。信用信息中包括多项内容，例如商品描述、商家服务态度、商家发货速度、平均退款速度等，买家可以对信用信息中的每一项进行打分，将所有的分数进行累加得到商家的信用总分。将商家的信用总分与预设等级对应的分数进行比较，则可以确定商家的信用等级。由此提取资产信息对应的金额与信用信息对应的信用等级，为银行或其他金融机构向商家发放贷款提供了强大的数据支持。
步骤208，判断金额是否大于或等于预设额度并且信用等级是否大于或等于预设级别；若金额大于或等于预设额度并且信用等级大于或等于预设级别，则进入步骤208，否则，结束。
资产信息对应的金额可以是第一预设时间内的销售收入、毛利润等，例如从申请贷款之日起往前推2年的销售收入总额。信用信息对应的级别也就是商家的信用等级，例如3星。根据银行贷款规定，可以对申请贷款的商家预先设定贷款条件。预先设定贷款条件可以是资产信息对应的金额大于或等于预设额度并且信用信息对应的级别大于或等于预设级别。
步骤210，通知商家发放贷款。
如果商家复核预先设定贷款条件，则银行服务器通知商家发放贷款。由此有效节省了银行或其他金融机构的贷款审批时间。
本实施例中，获取已完成交易的动态信息凭证；根据已完成交易的动态信息凭证统计得到商家经营的大数据信息，大数据信息中包括商家的资产信息和信用信息；提取资产信息对应的金额与信用信息对应的信用等级；判断金额是否大于或等于预设额度并且信用等级是否大于或等于预设级别；若是，则通知商家发放贷款。由于大数据信息是根据商家已完成交易的动态信息凭证统计得到的，因此大数据信息中的资产信息和信用信息能够反映商家的经营状况和信用状况。如果资产信息对应的金额大于或等于预设额度并且信用信息对应的级别大于或等于预设级别，从而说明商家的经营状况和信用状况良好，并且具有一定的还贷能力，为银行或其他金融机构向商家发放贷款提供了强大的数据支持，进而通知商家发放贷款，由此能够有利于银行或金融机构有效减少贷款审批时间加快放贷速度。
在一个实施例中，在提取资产信息对应的金额与信用信息对应的信用等级的步骤之后，还包括：利用信用信息计算商家的交易满意率；若金额大于或等于预设额度并且信用等级大于或等于预设级别，则进一步判断交易满意率是否大于或等于预设比例；若是，则通知商家发放贷款。
本实施例中，买家可以对信用信息中的每一项进行打分，如果每一项的打分均为满分，则表示买家对本次交易表示满意。提取每个商家的信用信息中打分均为满分的交易，计算所有打分均为满分的交易数量与全部交易数据的比值得到商家的交易满意率。商家的交易满意率能够直接反映买家对商家经营的满意状况。如果交易满意率高，则表示买家对该商家经营的认可，从而进一步反映了商家良好的信用状况和经营状况。
本实施例中基于大数据的贷款方法的流程示意图如图3所示：
步骤302，获取已完成交易的动态信息凭证。
步骤304，根据已完成交易的动态信息凭证统计得到商家经营的大数据信息，大数据信息中包括商家的资产信息和信用信息。
步骤306，提取资产信息对应的金额与信用信息对应的信用等级。
步骤308，利用信用信息计算商家的交易满意率。
步骤310，判断金额是否大于或等于预设额度并且信用等级是否大于或等于预设级别；若金额大于或等于预设额度并且信用等级大于或等于预设级别，则进入步骤312，否则，结束。
步骤312，判断交易满意率是否大于或等于预设比例；若是，则进入步骤314，否则，结束。
步骤314，通知商家发放贷款。
在一个实施例中，在获取已完成交易的动态信息凭证的步骤之前，还包括：生成商家的动态信息凭证；展示动态信息凭证，以使得第一终端获取动态信息凭证并通过第一终端上安装的应用发布动态信息凭证，并且使得第二终端通过获取第一终端发布的动态信息凭证完成对指定动态信息凭证的交易。
本实施例中，商家的动态信息凭证通过银行服务器生成。银行服务器生成商家的动态信息凭证后，只是展示这些动态信息凭证，而不参与动态信息凭证的交易。具体的，商家可以利用第一终端获取银行服务器上展示的动态信息凭证。第一终端上安装的应用能够通过网络发布从银行服务器获取的动态信息凭证。买家利用第二终端获取到第一终端上发布的动态信息凭证，对指定动态信息凭证进行交易。交易达成后，商家直接发货，第三方物流平台可以向商家的第一终端提供物流信息数据接口，以使得达成交易的动态信息凭证中能够及时添加物理信息。在买家完成付款、收货后，并在第二预设时间内未发生退货，则视为交易已完成。交易完成后，买家可以对已完成的交易做一次信用评价。
进一步的，卖家通过银行服务器进货，进货的货品即为银行服务器上展示的动态信息凭证。此处商家可以理解为生产商，卖家可以理解为小商户。具体的，卖家利用第三终端获取银行服务器上展示的动态信息，并利用第三终端上安装的应用通过网络发布已获取的动态信息凭证。买家利用第二终端获取到第三终端上发布的动态信息凭证，对指定动态信息凭证进行交易。由此方便了卖家作为小商户能够灵活方便的参与网络交易。
在一个实施例中，在获取已完成交易的动态信息凭证的步骤之前，还包括：生成商家的动态信息凭证并进行展示；接收第二终端对指定动态信息凭证的交易指令；根据交易指令完成第二终端对指定动态信息凭证的交易。
本实施例中，银行服务器在生成商家的动态信息凭证之后，并展示这些动态信息凭证。买家可以直接利用第二终端向银行服务器发送对指定动态信息凭证的交易指令，银行服务器根据该交易指令完成对指定动态信息凭证的交易。由于银行服务器生成商家的动态信息凭证后可以直接展示这些动态信息凭证，因此银行服务器不需要进货。在接收到交易指令后，即可完成对指定动态信息凭证的交易，由此使得银行服务器承担了电商的角色，从而开拓了一种新型的购物方式。
在一个实施例中，银行服务器在生成商家的动态信息凭证之后，直接将这些动态信息凭证返回给商家，而不再展示这些动态信息凭证。商家利用第一终端上安装的应用通过网络发布动态信息凭证。卖家利用第三终端上安装的应用获取第一终端发布的动态信息凭证，并可对动态信息凭证进行再次发布以及转发。买方利用第二终端可以对第一终端上发布的动态信息凭证进行交易，也可以对第三终端上发布的动态信息凭证进行交易。交易完成后，商家将已完成交易的动态信息凭证的相关信息录入到银行服务器为众多商家提供动态信息凭证对应的数据平台，以使得银行服务器获取到已完成交易的动态信息凭证的相关信息。
在其中一个实施例中，生成商家的动态信息凭证的步骤包括：获取商品信息数据；根据商品信息数据生成对应的动态信息凭证。服务器根据提供动态信息凭证设置页面，商家利用第一终端在动态信息凭证设置页面上输入商品信息数据，其中信息数据包括商家信息、商品信息、交易规则、收款信息、物理信息等。服务器根据第一终端输入的商品信息数据生成对应的动态信息凭证。每个动态信息凭证具有唯一的标识，标识可以是动态信息凭证的编号等。每个动态信息凭证只对应一个或者一类商品，并且可以根据该标识确定动态信息凭证所属的商家。在另一个实施例中，商家可利用第一终端上安装的应用程序（Application，简称APP）向银行服务器发送生成动态信息凭证的请求，进而利用应用程序提交信息数据至银行服务器。银行服务器根据应用程序提交的信息数据生成对应的动态信息凭证。在生成动态信息凭证后，银行服务器向第一终端发送已成功生成动态信息凭证的通知。
在一个实施例中，如图4所示，提供了一种基于大数据的贷款系统，系统包括服务器，服务器包括处理器及非易实现存储介质，处理器进一步包括：获取模块402、统计模块404、提取模块406、判断模块408和通知模块410，其中：
获取模块402与非易实现存储介质耦合，用于获取已完成交易的动态信息凭证。
统计模块404与非易实现存储介质耦合，用于根据已完成交易的动态信息凭证统计得到商家经营的大数据信息，大数据信息中包括商家的资产信息和信用信息。
提取模块406与非易实现存储介质耦合，用于提取资产信息对应的金额与信用信息对应的信用等级。
判断模块408与非易实现存储介质耦合，用于判断金额是否大于或等于预设额度并且信用等级是否大于或等于预设级别。
通知模块410与非易实现存储介质耦合，用于若金额大于或等于预设额度并且信用等级大于或等于预设级别，则通知商家发放贷款。
在一个实施例中，如图5所示，该系统还包括：计算模块412与非易实现存储介质耦合，用于利用信用信息计算商家的交易满意率；判断模块408还用于若金额大于或等于预设额度并且信用等级大于或等于预设级别，则进一步判断交易满意率是否大于或等于预设比例；通知模块410还用于若交易满意率是否大于或等于预设比例，则通知商家发放贷款。
在一个实施例中，如图6所示，该系统还包括：生成模块414和展示模块416，其中：
生成模块414与非易实现存储介质耦合，用于生成商家的动态信息凭证；
展示模块416与非易实现存储介质耦合，用于展示动态信息凭证，以使得第一终端获取动态信息凭证并通过第一终端上安装的应用发布动态信息凭证，并且使得第二终端通过获取第一终端发布的动态信息凭证完成对指定动态信息凭证的交易。
在一个实施例中， 生成模块414还用于生成商家的动态信息凭证；展示模块416还用于展示动态信息凭证；如图7所示，该系统还包括：接收模块418和交易模块420，其中：
接收模块418与非易实现存储介质耦合，用于接收第二终端对指定动态信息凭证的交易指令；
交易模块420与非易实现存储介质耦合，用于根据交易指令完成第二终端对指定动态信息凭证的交易。
在一个实施例中，如图8所示，生成模块414包括：获取单元414a和生成单元414b，其中：
获取单元414a，用于获取商品信息数据；
生成单元414b，用于根据商品信息数据生成对应的动态信息凭证。
一种基于大数据的贷款系统，系统包括服务器，服务器包括处理器及非易失性存储介质，非易失性存储介质中储存有指令，指令被处理器执行时，可使得处理器执行以下步骤：
获取已完成交易的动态信息凭证；
根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
如图9所示，为其中一个实施例中的服务器的内部结构，该服务器包括通过系统总线连接的处理器、非易失性存储介质、内存和网络接口。其中，该服务器的非易失性存储介质存储有操作系统、数据库和贷款处理装置，该贷款处理装置用于实现适用于服务器的一种基于大数据的贷款方法。该服务器的处理器用于提供计算和控制能力，支撑整个服务器的运行。该服务器的内存为非易失性存储介质中的基于大数据的贷款处理装置的运行提供环境。该服务器的网络接口用于据以与外部的终端通过网络连接通信，比如获取已完成交易的动态信息凭证等。服务器可以用独立的服务器或者是多个服务器来实现，比如服务器可以包括贷款处理服务器和存储服务器等。
此外，还提供一种计算机非易失性存储介质。
一种包含计算机可执行指令的计算机非易失性存储介质，所述计算机可执行指令用于执行一种基于大数据的贷款方法，所述方法包括以下步骤：
获取已完成交易的动态信息凭证；
根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
提取所述资产信息对应的金额与所述信用信息对应的信用等级；
判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (12)

  1. 一种基于大数据的贷款方法，包括：
    获取已完成交易的动态信息凭证；
    根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
    提取所述资产信息对应的金额与所述信用信息对应的信用等级；
    判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；及
    若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
  2. 根据权利要求1所述的方法，其特征在于，在所述提取所述资产信息对应的金额与所述信用信息对应的信用等级的步骤之后，还包括：
    利用所述信用信息计算商家的交易满意率；
    若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则进一步判断所述交易满意率是否大于或等于预设比例；
    若是，则通知商家发放贷款。
  3. 根据权利要求1所述的方法，其特征在于，在所述获取已完成交易的动态信息凭证的步骤之前，还包括：
    生成商家的动态信息凭证；
    展示所述动态信息凭证，以使得第一终端获取所述动态信息凭证并通过所述第一终端上安装的应用发布所述动态信息凭证，并且使得第二终端通过获取所述第一终端发布的动态信息凭证完成对指定动态信息凭证的交易。
  4. 根据权利要求1所述的方法，其特征在于，在所述获取已完成交易的动态信息凭证的步骤之前，还包括：
    生成商家的动态信息凭证并进行展示；
    接收第二终端对指定动态信息凭证的交易指令；
    根据所述交易指令完成所述第二终端对所述指定动态信息凭证的交易。
  5. 根据权利要求3或4任一项所述的方法，其特征在于，所述生成商家的动态信息凭证的步骤包括：
    获取商品信息数据；
    根据所述商品信息数据生成对应的动态信息凭证。
  6. 一种基于大数据的贷款系统，所述系统包括服务器，所述服务器包括处理器及非易实现存储介质，所述处理器进一步包括：
    获取模块与非易实现存储介质耦合，用于获取已完成交易的动态信息凭证；
    统计模块与非易实现存储介质耦合，用于根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
    提取模块与非易实现存储介质耦合，用于提取所述资产信息对应的金额与所述信用信息对应的信用等级；
    判断模块与非易实现存储介质耦合，用于判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
    通知模块与非易实现存储介质耦合，用于若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
  7. 根据权利要求6所述的系统，其特征在于，所述系统还包括：
    计算模块与非易实现存储介质耦合，用于利用所述信用信息计算商家的交易满意率；
    所述判断模块还用于若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则进一步判断所述交易满意率是否大于或等于预设比例；
    所述通知模块还用于若所述交易满意率是否大于或等于预设比例，则通知商家发放贷款。
  8. 根据权利要求6所述的系统，其特征在于，所述系统还包括：
    生成模块与非易实现存储介质耦合，用于生成商家的动态信息凭证；
    展示模块与非易实现存储介质耦合，用于展示所述动态信息凭证，以使得第一终端获取所述动态信息凭证并通过所述第一终端上安装的应用发布所述动态信息凭证，并且使得第二终端通过获取所述第一终端发布的动态信息凭证完成对指定动态信息凭证的交易。
  9. 根据权利要求6所述的系统，其特征在于，所述系统还包括：
    生成模块与非易实现存储介质耦合，用于生成商家的动态信息凭证；
    展示模块与非易实现存储介质耦合，用于展示所述动态信息凭证；
    接收模块与非易实现存储介质耦合，用于接收第二终端对指定动态信息凭证的交易指令；
    交易模块与非易实现存储介质耦合，用于根据所述交易指令完成所述第二终端对所述指定动态信息凭证的交易。
  10. 根据权利要求8或9任一项所述的系统，其特征在于，所述生成模块包括：
    获取单元，用于获取商品信息数据；
    生成单元，用于根据所述商品信息数据生成对应的动态信息凭证。
  11. 一种基于大数据的贷款系统，其特征在于，所述系统包括服务器，所述服务器包括处理器及非易失性存储介质，所述非易失性存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
    获取已完成交易的动态信息凭证；
    根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
    提取所述资产信息对应的金额与所述信用信息对应的信用等级；
    判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
    若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
  12. 一种包含计算机可执行指令的计算机非易失性存储介质，所述计算机可执行指令用于执行一种基于大数据的贷款方法，其特征在于，所述方法包括以下步骤：
    获取已完成交易的动态信息凭证；
    根据所述已完成交易的动态信息凭证统计得到商家经营的大数据信息，所述大数据信息中包括商家的资产信息和信用信息；
    提取所述资产信息对应的金额与所述信用信息对应的信用等级；
    判断所述金额是否大于或等于预设额度并且所述信用等级是否大于或等于预设级别；
    若所述金额大于或等于预设额度并且所述信用等级大于或等于预设级别，则通知商家发放贷款。
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