WO2017124244A1 - Method for pushing information during liability-based financing matching and smart financing system - Google Patents
Method for pushing information during liability-based financing matching and smart financing system Download PDFInfo
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- WO2017124244A1 WO2017124244A1 PCT/CN2016/071261 CN2016071261W WO2017124244A1 WO 2017124244 A1 WO2017124244 A1 WO 2017124244A1 CN 2016071261 W CN2016071261 W CN 2016071261W WO 2017124244 A1 WO2017124244 A1 WO 2017124244A1
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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 invention belongs to the field of intelligent banking, and provides an information pushing method and an intelligent financing system when matching financing according to liabilities.
- the embodiment of the invention provides an information pushing method and an intelligent financing system when the financing is matched according to the debt.
- the purpose is to provide a set
- the intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, strengthen the bank's risk management capabilities, and protect the rights of patent (application) right holders.
- the present invention is implemented as follows: a method of pushing information according to a debt matching financing, comprising the following steps:
- the user is prompted not to propose financing, and the patent information is pushed to the user.
- the embodiment of the invention also provides an intelligent financing system, comprising:
- a recording unit for recording all financial liabilities and credit lines of customers in the bank
- a statistical unit wherein an input end thereof is respectively connected to an output end of the recording unit and an output end of the reading unit, and is configured to calculate a total financial liability of the customer in the unit according to the financial liability corresponding to the customer information;
- a comparison unit whose input end is connected to the output end of the statistical unit and the output end of the recording unit, and is used for comparing the total amount of the customer's financial liabilities and the credit line;
- the information pushing unit is connected to the determining unit, and is configured to send the prompt information for suggesting financing to the user without exceeding the credit limit. If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
- the invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, strengthening the bank's risk management capabilities, and protecting the rights of patent (application) right holders.
- FIG. 1 is a schematic flow chart of a method for pushing information according to a debt matching financing according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention.
- FIG. 1 is a schematic flowchart of a method for pushing information according to a debt matching financing according to an embodiment of the present invention
- step S101 all financial liabilities and credit lines of the customer in the bank are recorded.
- step S102 the customer information is read.
- step S103 based on the financial liabilities corresponding to the customer information, the total financial liabilities of the customer in the unit are counted.
- step S104 In the middle, compare the total financial liabilities of the customer with the credit line, and based on the comparison result, decide whether to provide financing to the customer. If the credit limit is not exceeded, proceed to step S105. The prompt information for suggesting financing is sent to the user. If the credit limit is exceeded, the process proceeds to step S106, and the user is prompted not to propose financing, and the patent information is pushed to the user.
- the patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
- the patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
- the patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
- the pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
- the invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, strengthening the bank's risk management capabilities, and protecting the rights of patent (application) right holders.
- FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention, where the intelligent financing system includes:
- a recording unit 21 for recording all financial liabilities and credit lines of the customer in the bank
- a reading unit 22 configured to read customer information
- a statistical unit 23 having an input end and an output end of the recording unit 21 and the reading unit 22, respectively The output connection is used to calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
- a comparison unit 24 an input end thereof, an output end 23 of the statistical unit, and the recording unit 21
- the output connection is used to compare the total amount of customer financial liabilities with the credit line;
- the connection is used to send a prompt information for suggesting financing to the user if the credit limit is not exceeded. If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
- the working principle is: the recording unit 21 records all financial liabilities and credit lines of the customer in the bank; the reading unit 22 Reading the customer information; the statistical unit 23 calculates the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information; the comparison unit 24 Compare the total amount of customer financial liabilities with the credit line; information push unit 25 If the credit information is not exceeded, the user is prompted to provide financing, and if the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
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Abstract
A method for pushing information during liability-based financing matching and a smart financing system. The method comprises: recording all financial liabilities and the line of credit of a customer in a bank (S101); reading customer information (S102); collecting statistics about the total amount of financial liabilities of the customer in this bank according to the financial liabilities corresponding to the customer information (S103); comparing the total amount of financial liabilities of the customer with the line of credit (S104); if the line of credit is not exceeded, transmitting to a user a prompt that financing is recommended (S105); and if the line of credit is exceeded, transmitting to the user a prompt that financing is not recommended, and transmitting patent information to the user (S106). By identifying an insolvent customer using a smart financing system, the credit risk of a financial institution, for example, a bank, can be effectively reduced, the financing service efficiency is improved, the risk management capability of the bank is strengthened, and the rights of the patentee is protected.
Description
本发明属于 智能银行领域 ，提供了一种根据负债匹配融资时的信息推送方法以及智能融资系统。 The invention belongs to the field of intelligent banking, and provides an information pushing method and an intelligent financing system when matching financing according to liabilities.
知识产权在现在的产品和服务中越来越重要，其中主要包括著作权（版权）、商标权和专利权，这三种权利都能为权利人带来巨大的经济价值。
Intellectual property is becoming more and more important in current products and services, including copyright (copyright), trademark and patent rights, all of which can bring enormous economic value to rights holders.
但与著作权、商标权不同的是，专利权的权利归属比较难以为用户所认识和辨别。比如：一个培训教材或者一部电影里面，会明确的将'版权归特定人所有'的字样告知给用户；商标也以其显著的字或图的特征，在与其他标样区别的同时，也代表着商标权人以及商标权人生产的相关产品。但专利则不然，除了如'滑动解锁'等有限几个专利外，用户很难看到某一专利就知道该专利的申请/权利人。
However, unlike copyright and trademark rights, the ownership of patent rights is more difficult to recognize and discern. For example, in a training material or a movie, the words “copyright belongs to a specific person” will be clearly notified to the user; the trademark is also distinguished from other standards by its distinctive words or figures. Represents the related products produced by the trademark owner and the trademark owner. However, patents are not. Apart from a limited number of patents such as 'sliding and unlocking', it is difficult for a user to see a patent and know the application/right holder of the patent.
这种情况所带来的严重后果是： The serious consequences of this situation are:
1 、专利权的保护难度大，一项好的技术出来后，马上就被复制； 1. The protection of patent rights is difficult. Once a good technology comes out, it will be copied immediately;
2
、专利权/申请人通过专利彰显自己的产品特色的效果差，因为用户也分不清楚某一技术与专利权/申请人的联系。 2
The patent/applicant's effect of showing its own product features through patents is poor, because the user is also unclear about the connection between a certain technology and the patent/applicant.
综上，为充分保护本人的另外一个专利申请（名为《 根据客户金融负债匹配是否融资的方法以及智能融资系统
》），让该本人的专利申请价值最大化，特提出一个解决办法。 In summary, in order to fully protect my other patent application (named “Method of financing according to customer financial liabilities matching and intelligent financing system”
》), to maximize the value of my patent application, a special solution.
本发明实施例提供了一种根据负债匹配融资时的信息推送方法以及智能融资系统。目的在于 提供一套
智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力，并保护专利（申请）权人的权益。 The embodiment of the invention provides an information pushing method and an intelligent financing system when the financing is matched according to the debt. The purpose is to provide a set
The intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, strengthen the bank's risk management capabilities, and protect the rights of patent (application) right holders.
本发明是这样实现的：一种根据负债匹配融资时的信息推送方法 ， 包括以下步骤： The present invention is implemented as follows: a method of pushing information according to a debt matching financing, comprising the following steps:
记录客户在银行中所有金融负债和授信额度； Record all financial liabilities and credit lines of customers in the bank;
读取客户信息； Read customer information;
根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额； Calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
比较客户金融负债总额与授信额度的大小； Compare the total amount of customer financial liabilities with the credit line;
若没超过授信额度，向用户发出建议融资的提示信息； If the credit limit is not exceeded, the user is prompted to provide financing for the proposal;
若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。 If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
本发明实施例还提供了一种智能融资系统，包括： The embodiment of the invention also provides an intelligent financing system, comprising:
记录单元，用于记录客户在银行中所有金融负债和授信额度； a recording unit for recording all financial liabilities and credit lines of customers in the bank;
读取单元，用于读取客户信息； a reading unit for reading customer information;
统计单元，其输入端分别与所述记录单元的输出端以及所述读取单元的输出端连接，用于根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额；
a statistical unit, wherein an input end thereof is respectively connected to an output end of the recording unit and an output end of the reading unit, and is configured to calculate a total financial liability of the customer in the unit according to the financial liability corresponding to the customer information;
比较单元，其输入端与所述统计单元的输出端以及所述记录单元的输出端连接，用于比较客户金融负债总额与授信额度的大小；
a comparison unit, whose input end is connected to the output end of the statistical unit and the output end of the recording unit, and is used for comparing the total amount of the customer's financial liabilities and the credit line;
信息推送单元，与所述判断单元连接，用于没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。
The information pushing unit is connected to the determining unit, and is configured to send the prompt information for suggesting financing to the user without exceeding the credit limit. If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
该发明通过智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力，并保护专利（申请）权人的权益。
The invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, strengthening the bank's risk management capabilities, and protecting the rights of patent (application) right holders.
图 1 是本发明实施例提供的一种 根据负债匹配融资时的信息推送方法 的流程示意图 ； 1 is a schematic flow chart of a method for pushing information according to a debt matching financing according to an embodiment of the present invention;
图 2 是本发明实施例提供的智能融资系统的结构示意图。 FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention.
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1 是本发明实施例提供的 一种 根据负债匹配融资时的信息推送方法 的流程示意图
，为了便于说明，只示出了与本发明实施例相关的部分。 FIG. 1 is a schematic flowchart of a method for pushing information according to a debt matching financing according to an embodiment of the present invention; FIG.
For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中 记录客户在银行中所有金融负债和授信额度。 In step S101, all financial liabilities and credit lines of the customer in the bank are recorded.
在银行为客户提供金融服务之前，都会进行尽职调查，以掌握客户的还款能力和还款意愿，了解客户资信情况，在此过程中会形成客户的相关信息记录，并在此基础上确定客户的授信额度。因为银行网点较多，金融服务功能多元，客户既可以在不同的网点进行融资，也可以通过如资产管理计划，贷款等不同的方式进行融资，会在银行形成不同的金融负债。
Before the bank provides financial services to customers, it will conduct due diligence to grasp the customer's repayment ability and repayment willingness, understand the customer's credit status, and in the process will form a customer's relevant information record, and determine the customer on this basis. Credit line. Because there are many banking outlets and multiple financial services, customers can either raise funds at different outlets or finance through different methods such as asset management plans and loans, and form different financial liabilities in banks.
在步骤 S102 中，读取客户信息。 In step S102, the customer information is read.
在步骤 S103 中，根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额。 In step S103, based on the financial liabilities corresponding to the customer information, the total financial liabilities of the customer in the unit are counted.
在步骤 S104
中，比较客户金融负债总额与授信额度大小，并根据比较的结果，决定是否对客户提供融资，若没超过授信额度，进入步骤 S105
，向用户发出建议融资的提示信息，若超过授信额度，进入步骤 S106 ，向用户发出不建议融资的提示信息，同时向用户推送专利信息。 At step S104
In the middle, compare the total financial liabilities of the customer with the credit line, and based on the comparison result, decide whether to provide financing to the customer. If the credit limit is not exceeded, proceed to step S105.
The prompt information for suggesting financing is sent to the user. If the credit limit is exceeded, the process proceeds to step S106, and the user is prompted not to propose financing, and the patent information is pushed to the user.
所述专利信息包括但不限于：该技术的专利申请状态，该技术的专利申请 /
权利人、该技术的专利申请号、专利申请日等信息。 The patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology /
Information on the right holder, the patent application number of the technology, the patent application date, and the like.
所述专利信息是可编辑的，可以根据专利申请的授权与否，向用户动态推送：正在申请专利、已获得专利授权等信息。
The patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
所述专利信息是可编辑的，可以根据专利申请权 /
专利权的转让情况，向用户动态推送：该专利的当前相关的权利人。 The patent information is editable and can be based on patent application rights /
The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
所述专利信息的推送方式，可以采取小框显示、语音显示等让用户能够感知的推送方式。 The pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
该发明通过智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力，并保护专利（申请）权人的权益。
The invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, strengthening the bank's risk management capabilities, and protecting the rights of patent (application) right holders.
图 2 是本发明实施例提供的一种智能融资系统的结构示意图，该智能融资系统包括 ： 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention, where the intelligent financing system includes:
记录单元 21 ，读取单元 22 ，统计单元 23 ，比较单元 24 ，信息推送单元 25
，其中， Recording unit 21, reading unit 22, statistical unit 23, comparison unit 24, information pushing unit 25
,among them,
记录单元 21 ，用于记录客户在银行中所有金融负债和授信额度； a recording unit 21 for recording all financial liabilities and credit lines of the customer in the bank;
读取单元 22 ，用于读取客户信息； a reading unit 22, configured to read customer information;
统计单元 23 ，其输入端分别与所述记录单元 21 的输出端以及所述读取单元 22
的输出端连接，用于根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额； a statistical unit 23 having an input end and an output end of the recording unit 21 and the reading unit 22, respectively
The output connection is used to calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
比较单元 24 ，其输入端与所述统计单元的输出端 23 以及所述记录单元 21
的输出端连接，用于比较客户金融负债总额与授信额度的大小； a comparison unit 24, an input end thereof, an output end 23 of the statistical unit, and the recording unit 21
The output connection is used to compare the total amount of customer financial liabilities with the credit line;
信息推送单元 25 ，与所述比较单元 24
连接，用于若没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。 Information pushing unit 25, and comparing unit 24
The connection is used to send a prompt information for suggesting financing to the user if the credit limit is not exceeded. If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
其工作原理是：记录单元 21 记录客户在银行中所有金融负债和授信额度；读取单元 22
读取客户信息；统计单元 23 根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额；比较单元 24
比较客户金融负债总额与授信额度的大小；信息推送单元 25
用于若没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。 The working principle is: the recording unit 21 records all financial liabilities and credit lines of the customer in the bank; the reading unit 22
Reading the customer information; the statistical unit 23 calculates the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information; the comparison unit 24
Compare the total amount of customer financial liabilities with the credit line; information push unit 25
If the credit information is not exceeded, the user is prompted to provide financing, and if the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
该发明通过 提供一套
智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力，并保护专利（申请）权人的权益。 The invention provides a set
The intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, strengthen the bank's risk management capabilities, and protect the rights of patent (application) right holders.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
Claims (2)
- 一种根据负债匹配融资时的信息推送方法 ，其特征在于，所述方法包括如下步骤： A method for pushing information according to a debt matching financing, characterized in that the method comprises the following steps:记录客户在银行中所有金融负债和授信额度；Record all financial liabilities and credit lines of customers in the bank;读取客户信息；Read customer information;根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额；Calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;比较客户金融负债总额与授信额度的大小；Compare the total amount of customer financial liabilities with the credit line;若没超过授信额度，向用户发出建议融资的提示信息；If the credit limit is not exceeded, the user is prompted to provide financing for the proposal;若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
- 一种 智能融资系统 ，其特征在于，所述 系统 包括：An intelligent financing system, characterized in that the system comprises:记录单元，读取单元、统计单元、比较单元，信息推送单元，其中：a recording unit, a reading unit, a statistical unit, a comparison unit, and an information pushing unit, wherein:记录单元，用于记录客户在银行中所有金融负债和授信额度；a recording unit for recording all financial liabilities and credit lines of customers in the bank;读取单元，用于读取客户信息；a reading unit for reading customer information;统计单元，其输入端分别与所述记录单元的输出端以及所述读取单元的输出端连接，用于根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额；a statistical unit, wherein an input end thereof is respectively connected to an output end of the recording unit and an output end of the reading unit, and is configured to calculate a total financial liability of the customer in the unit according to the financial liability corresponding to the customer information;比较单元，其输入端与所述统计单元的输出端以及所述记录单元的输出端连接，用于比较客户金融负债总额与授信额度的大小；a comparison unit, whose input end is connected to the output end of the statistical unit and the output end of the recording unit, and is used for comparing the total amount of the customer's financial liabilities and the credit line;信息推送单元，与所述比较单元连接，用于若没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息，同时向用户推送专利信息。The information pushing unit is connected to the comparing unit, and is configured to send a prompt information for suggesting financing to the user if the credit limit is not exceeded. If the credit limit is exceeded, the user is prompted not to propose financing, and the patent information is pushed to the user.
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| Application Number | Priority Date | Filing Date | Title |
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| PCT/CN2016/071261 WO2017124244A1 (en) | 2016-01-18 | 2016-01-18 | Method for pushing information during liability-based financing matching and smart financing system |
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| PCT/CN2016/071261 WO2017124244A1 (en) | 2016-01-18 | 2016-01-18 | Method for pushing information during liability-based financing matching and smart financing system |
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| CN101398925A (en) * | 2008-11-14 | 2009-04-01 | 中国工商银行股份有限公司 | System and method for financing from banking house by external credit system of the bank |
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