WO2019062185A1

WO2019062185A1 - Repayment method, device, server, and computer-readable storage medium

Info

Publication number: WO2019062185A1
Application number: PCT/CN2018/089394
Authority: WO
Inventors: 王凯宁
Original assignee: 重庆小雨点小额贷款有限公司
Priority date: 2017-09-28
Filing date: 2018-05-31
Publication date: 2019-04-04
Also published as: CN107862597A

Abstract

Disclosed are a repayment method, a device, a server, and a computer-readable storage medium. The repayment method comprises: granting a loan to a supplier on the basis of a loan agreement signed by the supplier, a third party, and a lending party; receiving a sales list submitted by the third party and corresponding to the supplier; determining an amount payable by the third party on the basis of the sales list and of the loan agreement; and debiting an account of the third party on the basis of the amount payable and of the loan agreement. Embodiments of the present invention not only facilitate the simplification of a supplier repayment process, but also facilitate the control of supplier capital flows, and reduce the percentage of bad debt.

Description

Repayment method, device, server and computer readable storage medium

Technical field

The present invention relates to the field of Internet financial technologies, and in particular, to a repayment method, apparatus, server, and computer readable storage medium.

Background technique

In the traditional supply chain loan model, the supplier supplies the loan to the third party (such as a supermarket) after the loan from the lender, and the third party sells the goods supplied by the supplier, and then pays the corresponding payment to the supplier. After receiving the payment, the merchant will install the loan in accordance with the loan agreement or a one-time repayment to the lender. This method of repayment is cumbersome. At the same time, the lender cannot grasp the trend of the supplier's funds and is prone to bad debts.

Summary of the invention

The embodiment of the invention provides a repayment method, device, server and computer readable storage medium, which not only helps to simplify the supplier repayment process, but also helps to control the supplier's capital movement and reduce the bad debt rate.

In a first aspect, an embodiment of the present invention provides a repayment method, the method comprising:

Loans are issued to the supplier according to a loan agreement signed by the supplier, the third party, and the lender, the loan agreement including the supplier's supply type, the unit price of the goods of the supply type, and the repayment amount ;

Receiving, by the third party, a sales list corresponding to the supplier, the sales list including a sales amount of the goods of the supply type;

Determining the amount of the payment due from the third party according to the sales list and the loan agreement;

Debiting from the account of the third party based on the amount of the payable amount and the loan agreement.

Optionally, the specific implementation manner of debiting from the account of the third party according to the amount of the payment due and the loan agreement is: deducting the amount of the payable from the account of the third party; And when the amount of the payable amount is greater than the repayment amount, the remaining amount of the amount of the payable amount to be deducted is paid to the account of the supplier, and the remaining amount is the amount of the payable amount and the The difference between the amount of the payment; when the amount of the payment due is less than the repayment amount, the remaining repayment amount is deducted from the account of the supplier, and the remaining repayment amount is the repayment amount and the payment due The difference in amount.

Optionally, after the debiting from the account of the third party according to the payable amount and the loan agreement, the repayment information of the supplier is recorded.

Optionally, after the loan is issued to the supplier according to a loan agreement signed by a supplier, a third party, and a lender, the receiving, before receiving the sales list corresponding to the supplier submitted by the third party, receiving a supply list submitted by the supplier, the supply list including a supply type and a supply amount of the supply type; wherein the receiving the sales submitted by the third party corresponding to the supplier The specific implementation of the list is: determining the total sales volume of the goods of the supply type based on the sales list; stopping when the total sales volume of the goods of each supply type is equal to the supply quantity of the goods of the corresponding supply type Receive the sales list.

Optionally, the loan request submitted by the supplier is obtained before the loan is issued to the supplier according to a loan agreement signed by the supplier, the third party, and the lender, and the loan request includes supplier information; The merchant information reviews the loan request; after the loan request is approved, a loan agreement is generated.

Optionally, the vendor information includes a credit history record and historical repayment information, and the specific implementation manner of reviewing the loan request based on the vendor information is: according to the credit information record and the history The repayment information determines a credit rating of the supplier; and when the credit rating is greater than or equal to a preset credit rating threshold, determining that the loan request is approved.

Optionally, the loan agreement further includes a repayment period, where the repayment amount is a repayment amount in the repayment period, and determining, according to the sales list and the loan agreement, the third party The specific implementation manner of the payment amount of the payment is: determining the cumulative sales amount of the goods of the supply type in the repayment period based on the sales list; and the unit price of the goods based on the accumulated sales amount and the supply type Calculating the amount of the payment due from the third party during the repayment period.

In a second aspect, an embodiment of the present invention provides a repayment device including a unit for performing the method of the above first aspect.

In a third aspect, an embodiment of the present invention provides a server, where the server includes a processor, a network interface, and a memory, where the processor, the network interface, and the memory are connected to each other, wherein the network interface is controlled by the processor. For transmitting and receiving messages, the memory is for storing a computer program supporting a server to perform the above method, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the method of the first aspect above.

In a fourth aspect, an embodiment of the present invention provides a computer readable storage medium, where the computer readable storage medium stores a computer program, where the computer program includes program instructions, and when the program instructions are executed by the processor, The processor performs the method of the first aspect above.

In the embodiment of the present invention, the server may issue a loan to the supplier according to a loan agreement signed by the supplier, the third party, and the lender, and after receiving the loan, receive a sales list corresponding to the supplier submitted by the third party, and then according to the sales list. And the loan agreement, determine the amount of the third party's payment due, and then deduct the amount from the third party's account according to the amount due and the loan agreement, which not only helps to simplify the supplier repayment process, but also helps to control the supplier's capital flow. , reduce the bad debt rate.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings to be used in the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without paying for creative labor.

1 is a schematic structural diagram of an internet financial system according to an embodiment of the present invention;

2 is a schematic flow chart of a repayment method according to an embodiment of the present invention;

3 is a schematic flow chart of another repayment method according to an embodiment of the present invention;

4 is a schematic diagram of an operation interface according to an embodiment of the present invention;

FIG. 5 is a schematic block diagram of a repayment device according to an embodiment of the present invention; FIG.

FIG. 6 is a schematic block diagram of a server according to an embodiment of the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

It should be noted that the third party described in the embodiments of the present invention may refer to a retailer (such as a supermarket, a shopping mall) or a distributor that needs to be supplied by a supplier, and the third party has a transaction relationship with the supplier. The unit price payable for the goods of the type of supply described refers to the price of a single item of each type of supply that the third party needs to pay to the supplier after the supplier supplies the third party goods. The sales volume of the goods of the type of supply described may refer to the sales volume of goods of each supply type.

The repayment period described in the embodiment of the present invention may refer to a repayment period of an installment payment, or may refer to a repayment period of a one-time payment, where the repayment period refers to one of at least one repayment period, for example, When the repayment method is installment payment, the installment payment is divided into N periods (where N is an integer greater than or equal to 1), and the repayment period refers to the first period of the N period, and each repayment period can correspond to A time frame (for example, from October 1, 2017 to November 1, 2017).

The cumulative sales volume described is the sum of sales of goods of each supply type in all sales lists submitted by third parties during a repayment period. There are several types of supply, and there are several cumulative sales. The total sales volume described is the total sales volume of the goods of each supply type in the sales list, which may be the sales of goods of each supply type in all sales lists submitted by the third party before the current time. The quantity is summed, and the current time is the time when the server receives the sales list submitted by the third party.

In order to better understand the embodiments of the present invention, an Internet financial system to which the embodiments of the present invention are applicable will be described below.

FIG. 1 is a schematic structural diagram of an internet financial system according to an embodiment of the present invention. As shown in FIG. 1, the internet financial system can include a first client 101, a second client 102, and a server 103. The first client 101 and the second client 102 may be mobile terminals, such as smart phones, tablet computers, car computers, etc.; or may be wearable devices, such as sports bracelets, telephone watches, etc.; Devices, such as desktop computers. The server 103 can be a loan platform provided by a lender.

Specifically, in the Internet financial system, the supplier performs data interaction with the server 103 through the first client 101, and can report the supplier's supply type, the unit price of the goods of the supply type, and the repayment method to the server 103. The repayment period, the repayment amount in the repayment period, the delivery list, etc.; the third party can perform the data interaction with the server 103 through the second client 102, and can report the sales list to the server 103; the server 103 can utilize the first client. The delivery type of the supplier reported by the supplier, the unit price of the goods of the supply type, and the repayment amount are generated, and the loan agreement is generated. Further, the server 103 can also utilize the sales list reported by the second client 102 and the loan agreement described above. The amount of the payment due from the third party is determined, and after the amount of the payment due is determined, the amount of the payment due and the loan agreement is debited from the account of the third party.

Data interaction between the first client 101 and the server 103 and between the second client 102 and the server 103 can be performed by wired or wireless connection.

In a feasible embodiment, the foregoing internet financial system may be a system using blockchain technology, and the first client 101, the second client 102, and the server 103 may be nodes on the blockchain.

In a possible embodiment, the server 103 may be replaced by a blockchain system, and the first client 101 and the second client 102 may be terminal devices of nodes connected to the blockchain.

The repayment method, device, server and computer readable storage medium provided by the embodiments of the present invention are further described below.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a repayment method according to an embodiment of the present invention. As shown in the figure, the repayment method may include:

201. The server issues a loan to the supplier according to a loan agreement signed by the supplier, the third party, and the lender.

Among them, the loan agreement may include the supplier's supply type, the unit price of the goods of the supply type, and the repayment amount. Further, the loan agreement may also include the supplier's personal information (such as bank account, ID number, mailing address, contact information, etc.), third party personal information (such as bank account, ID number, mailing address, contact information). Etc.), loan amount, etc. Among them, the bank account may refer to the account provided by the bank in addition to the account provided by the bank (such as Alipay account, WeChat account, Apple Pay account, etc.).

Wherein, the supplier's supply type may have one or more types of goods, and correspondingly, the unit price of the goods of the supply type may be the unit price payable for each type of goods, wherein the unit price payable refers to The unit price of the goods of each type of goods that should be paid to the supplier after the third party purchases the goods of the supplier.

In the specific implementation, the supplier, the third party and the lender can sign the loan agreement on the loan platform provided by the lender. After confirming that the three parties have signed the loan agreement, the server can follow the contents of the loan agreement (such as the loan amount and the supplier's Account), sending a loan request to a financial server (such as a bank server), and the financial server can issue a loan to the supplier's bank account according to the loan request.

Optionally, the server itself may also be a financial server, that is, the lender itself is a banking institution. At this time, after receiving the loan agreement signed by the supplier, the third party, and the lender, the server may be in accordance with the loan agreement. Content, loans are issued directly to the bank account provided by the supplier without issuing a request for money to other financial servers.

For example, if the supplier wants to borrow 100,000 yuan from the lender, the supplier can log in to the loan platform with the third party and sign a loan agreement with the lender in the loan platform. At this time, the server confirms that the three parties have After signing the loan agreement, the loan request can be sent to the bank server according to the loan agreement. Further, the bank server can respond to the loan request and issue a loan of 100,000 to the bank account of the supplier to achieve the purpose of issuing the loan.

202. The server receives, by the third party, a sales list corresponding to the supplier, where the sales list includes a sales amount of the goods of the supply type.

203. The server determines, according to the sales list and the loan agreement, an amount of the payment due from the third party.

The sales list corresponding to the supplier may refer to a sales list corresponding to the supplier's supply type included in the loan agreement, or may refer to at least one of the supply types included in the sales list. The type of supply included in the loan agreement. It will be appreciated that the type of delivery can be characterized by the name and model of each shipment. For example, the sales list shown in Table 1 can be seen from Table 1. By characterizing the type of supply by the name of the goods and the type of the goods, it is possible to visually distinguish the types of supply of different goods.

Table 1

货物名称item name	货物型号Model of goods	销售量Sales volume
AA	HB/2BHB/2B	500500
BB	4200E4200E	200200
CC	42004200	300300
DD	9001E9001E	10001000

In the specific implementation, after the loan is issued, the third party can use the terminal to log in to the loan platform to upload a sales list corresponding to the supplier, and after receiving the sales list, the server can obtain the sales of the goods of each supply type from the sales list. Quantity, the unit price of the goods of each supply type is obtained from the loan agreement, and the amount of the payment due from the third party is determined according to the obtained sales volume and the unit price payable.

The amount of the payment due from the above third party may be the amount of the payment due from the third party during the repayment period.

For example, the repayment period is 2 months, and the corresponding time range is from October 10, 2017 to December 10, 2017. The third party is a supermarket, and the supermarket uploads a total sales list in the repayment period. The sales list is as follows. Table 1 shows the supplier's supply type recorded in the loan agreement and the unit price payable for each type of goods, as shown in Table 2. Then, the server can obtain the sales volume and the unit price of each type of goods according to the contents recorded in Table 1 and Table 2, and determine the supermarket during the repayment period from October 10, 2017 to December 10, 2017. The amount payable is 200,000 yuan.

Table 2

货物名称item name	货物型号Model of goods	应付单价(元)Coping unit price (yuan)
AA	HB/2BHB/2B	100100
BB	4200E4200E	500500
CC	42004200	300300
D D		9001E9001E	5050

204. The server debits the account of the third party according to the amount of the payment due and the loan agreement.

In a specific implementation, after determining the amount of the payment due, the server may issue a debit request to the bank server according to the amount of the payment due and the repayment amount in the loan agreement, and the bank server may respond to the request after receiving the debit request. Debit the account from the third party and pay the debit to the lender's account.

In the embodiment of the present invention, the server may issue a loan to the supplier according to a loan agreement signed by the supplier, the third party, and the lender, and after receiving the loan, receive a sales list corresponding to the supplier submitted by the third party, and then according to the sales list. And the loan agreement, determine the amount of the third party's payment due, and deduct the amount from the third party's account according to the amount due and the loan agreement, which not only helps simplify the supplier repayment process, but also helps control the supplier's capital flow. , reduce the bad debt rate.

Referring to FIG. 3, FIG. 3 is a schematic flowchart diagram of another repayment method according to an embodiment of the present invention. As shown in the figure, the repayment method may include:

301. The server obtains a loan request submitted by a supplier, where the loan request includes supplier information.

302. The server reviews the loan request based on the vendor information.

303. After the server requests the approval of the loan request, the server generates a loan agreement, where the loan agreement includes a repayment period of the supplier and a repayment amount in the repayment period.

In a specific implementation, if the supplier wants to apply for a loan, the loan platform can be submitted to the loan platform provided by the lender, and the server can review the loan request according to the supplier information included in the loan request after receiving the loan request, and After the approval is passed, a loan agreement is generated and the loan agreement is issued to the loan platform.

The supplier information may include a supplier's credit history record and historical repayment information. The historical repayment information can be the debit record of the supplier on the loan platform. The deduction record can reflect the economic benefit of the supplier. The less the amount deducted from the supplier's account, the better the economic benefit of the supplier. The more the amount deducted from the supplier's account, the worse the economic efficiency of the supplier. The credit record may include the supplier's personal basic information, for example, may include name, gender, age, work unit, contact address, annual salary; the bank credit of the supplier, for example, the status of each credit card and loan business may be recorded, reflecting The past debt history of the supplier; non-bank credit, for example, can record the supplier's payment in communications, water, electricity, and coal, and reflect whether the supplier has arrears in life.

Further, the acquisition of the credit record may be in multiple ways: first, the server may obtain the credit record on the personal credit service platform or the bank server; second, the server may obtain the credit information provided by the supplier itself on the loan platform. Third, the server can generate the credit record based on the personal data submitted by the supplier on the loan platform and the historical loan record of the supplier on the loan platform, based on its own algorithm model to calculate the supplier's assets or debt ratio. . The present invention is not specifically limited thereto.

Wherein, when the server reviews the loan request provided by the supplier, the supplier may obtain the credit record and historical repayment information of the supplier, and determine the credit rating of the supplier according to the credit record and the historical repayment information, where the credit rating is greater than or When it is equal to the preset credit level threshold, it is determined that the loan request is approved and the loan agreement is generated after the approval is passed.

For example, the server can divide credit ratings into seven levels in order of rank from high to low: AAA, AA, A, BBB, BB, B, C. Among them, the AAA level represents a high level of income for suppliers, a strong willingness to pay debts, a high social status, and good economic returns; a C-level representative of suppliers has a low income level, a low willingness to pay debts, and a low social status. The economic benefits are very poor. If the preset credit level threshold is B, the supplier submits a loan request to the server through the terminal, and the loan request includes the supplier's own personal credit record (credit record), and after the server obtains the loan request submitted by the supplier, The supplier's personal credit record and historical repayment information are used to determine that the supplier's credit rating is A. Further, by comparing that the credit rating A is greater than the preset credit rating threshold B, the server can determine the supplier. The loan request is approved and a loan agreement is generated after the approval.

304. The server issues a loan to the supplier according to a loan agreement signed by the supplier, the third party, and the lender.

For the specific implementation of the step 304, refer to the related description of the step 201 in the foregoing embodiment, and details are not described herein again.

305. The server receives a supply list submitted by the supplier, where the supply list includes a supply type and a supply quantity of the goods of the supply type.

306. The server receives a sales list submitted by the third party corresponding to the supplier, and determines a total sales amount of the goods of the supply type based on the sales list, and total sales of goods in each supply type. When the amount is equal to the supply amount of the goods of the corresponding supply type, the reception of the sales list is stopped.

The type of supply included in the above supply list needs to include the type of supply recorded in the loan agreement.

In the specific implementation, after the loan is issued, the supplier can upload the supply list to the server through the terminal, and after the third party sells the goods supplied by the supplier, the third party can upload the sales list to the server, and after receiving the sales list, the server can The total sales volume of the goods of each supply type is calculated based on the sales volume of the goods of the delivery type recorded in the sales list, when the total sales volume of the goods of each supply type is equal to the supply of the goods of the corresponding supply type When the quantity is measured, the sales list uploaded by the third party can be stopped and the prompt information of the upload failure is sent to achieve the purpose of reminding the third party, thereby reducing the probability of repeated deduction.

For example, the supplier's delivery list uploaded to the server via the terminal includes two types of supply: one for cargo A, the supply for 2000, and one for cargo B, with a supply of 500. The third party (supermarket) uploads the sales list corresponding to the supplier to the server through the terminal, and has uploaded 2 sales lists up to the current time. According to the two uploaded sales lists, the server calculates the total sales volume of the goods A as 2000, the total sales volume of the goods B is 500, and further judged that the total sales volume of the goods A and B are equal to the supply of the goods A and B. At this time, the supermarket uploads the sales list to the server through the terminal again, and the server stops receiving the sales list. Further, the server may also send an instruction to the terminal to fail to upload the sales list, and the terminal may output the prompt information in response to the instruction, and The content of the prompt information is displayed on the display, for example, "Kiss, unfortunately, upload failed", and the display effect diagram can be as shown in FIG.

Further, when the supplier wants to know the reason for the failure of the sales list uploading, the supplier can also input a click command by clicking "Request Help" at the corresponding position of the display screen by using a finger, and the server receives the click command, and the server receives the click command. In response to the click command, the reason for the failure of the sales list upload may be output.

307. The server determines, according to the sales list, a cumulative sales amount of the goods of the supply type in the repayment period.

308. The server calculates, according to the accumulated sales amount and the unit price of the goods of the supply type, the amount of the payable amount of the third party in the repayment period.

It can be understood that the number of sales lists uploaded by the third party during the repayment period is greater than or equal to 1, then, in the calculation, the above accumulated sales volume refers to all the sales lists uploaded by the third party during the repayment period. The sum of sales of goods of each supply type recorded.

In a specific implementation, the server may receive at least one sales list uploaded by the third party through the terminal during the repayment period, and determine each supply type according to the sales volume of the goods of each supply type recorded in the at least one sales list. The cumulative sales volume of the goods, which in turn can be calculated by multiplying the cumulative sales volume of the goods of each supply type and the unit price of the goods of each supply type. Further, the server sums the amount payable for the goods of all supply types, and can determine the amount of the payment due by the third party during the repayment period.

For example, during the repayment period, a third party (such as a supermarket) uploaded a total of two sales lists, including: sales list one, as shown in Table 3; sales list two, as shown in Table 4, four goods A The corresponding unit prices for B, C, and D in the loan agreement are 10 yuan, 50 yuan, 30 yuan, and 5 yuan, respectively. Through the contents recorded in Tables 3 and 4, the server can determine that the cumulative sales of the four goods A, B, C, and D in the repayment period are 800, 400, 600, and 1500, respectively. The unit price of the goods, it is determined that the amount of the four types of goods A, B, C, D payable by the third party in the repayment period is 8,000 yuan, 2,000 yuan, 1800 yuan, 7500 yuan, and finally the four types of goods payable If the amount of the payment is summed, it can be calculated that the amount of the payment due from the third party during the repayment period is 19,300 yuan.

table 3

Table 4

货物名称item name	货物型号Model of goods	销售量Sales volume
AA	HB/2BHB/2B	300300
BB	4200E4200E	200200
CC	42004200	300300
DD	9001E9001E	500500

309. The server debits the account of the third party according to the amount of the payment due and the loan agreement.

In the specific implementation, after determining the amount of the payment due, the server may deduct the amount corresponding to the amount of the payment due from the account of the third party, and when the amount of the payment due is greater than the amount of the payment, the remaining amount of the amount of the payment due will be deducted. The corresponding payment is paid to the supplier's account. Among them, the remaining amount is the difference between the amount payable and the amount of repayment.

For example, if the amount of the payment due is 20,000 yuan, the supplier's repayment amount in the repayment period is 10,000 yuan, the server can issue a debit request to the bank server, and the bank server responds to the deduction request from the third party. (such as the supermarket) in the account deducted the amount of the payment of 20,000 yuan, after the judgment, determine that the amount of the payment of the payment of 20,000 yuan is greater than the repayment amount of 10,000 yuan, at this time, the server can be 20,000 yuan through the bank server The 10,000 yuan is paid to the supplier's account, and the remaining 10,000 yuan is owned by the lender.

Alternatively, when the amount payable is less than the repayment amount, the server may deduct the amount corresponding to the remaining repayment amount from the supplier's account, wherein the remaining repayment amount is the difference between the repayment amount and the amount of the payment due.

For example, if the amount of the payment due is 10,000 yuan, the supplier's repayment amount in the repayment period is 20,000 yuan, the server can issue a debit request to the bank server, and the bank server responds to the debit request from the third party. (For example, the supermarket) deducted 10,000 yuan from the account. After judging, it is determined that the deducted 10,000 yuan is less than the repayment amount of 20,000 yuan. Further, the server can use the bank server to repay the remaining repayment amount of 10,000 yuan. The supplier's account is paid to the lender's account.

Wherein, in the case that the payment due in this repayment period is less than the repayment amount, and the repayment amount needs to be deducted from the supplier's account, the server may record the repayment information of the supplier at each repayment, the repayment The information may include the time of debiting from the supplier's account, the number of debits, and the amount of deduction for each deduction.

Further, the server may also send a prompt message to the supplier, for example, the prompt content may be “deducted 10,000 yuan from your account due to insufficient income during the repayment period”.

It can be understood that the time of deduction from the supplier's account included in the above repayment information, the number of deductions and the deduction amount corresponding to each deduction can help to judge whether the supplier's economic benefits are good. If the number of deductions is large and the amount of deduction is large, then it can be reflected from the side that the supply of goods supplied by the third party is not good, and the economic benefits are poor. If the number of deductions is small and the amount of deduction is small, then it can be It reflects that the suppliers supply third-party goods with good sales and good economic returns. Therefore, the repayment information can be used as a basis for the lender to determine whether to lend to the supplier next time and determine the amount of the loan amount.

In the embodiment of the present invention, the server may obtain the loan request submitted by the supplier, and review the loan request based on the supplier information included in the loan request, and generate a loan agreement after the loan request is approved, and then according to the supplier, the third party, and The loan agreement signed by the lender, the loan is issued to the supplier, and after the loan is issued, the supply list submitted by the supplier and the sales list corresponding to the supplier submitted by the third party are received, and the repayment period is determined based on the sales list. The cumulative sales volume of the goods of the supply type, and then the amount of the payment due from the third party in the repayment period based on the cumulative sales amount and the unit price of the goods of the supply type, thereby obtaining the amount of the payment from the third party according to the amount of the payment due and the loan agreement The deduction of the account is not only conducive to simplifying the supplier repayment process, but also helps to control the supplier's capital movements and reduce the bad debt rate.

Embodiments of the present invention also provide a repayment device for performing the unit of the method described in FIG. 2 or FIG. 3 above. Specifically, referring to FIG. 5, it is a schematic block diagram of a repayment device according to an embodiment of the present invention. The repayment device of this embodiment includes a dispensing unit 50, a receiving unit 51, a determining unit 52, and a debit unit 53.

a issuing unit 50, configured to issue a loan to the supplier according to a loan agreement signed by a supplier, a third party, and a lender, the loan agreement including a supply type of the supplier, and a goods of the supply type The unit price payable and the amount of repayment;

The receiving unit 51 is configured to receive a sales list corresponding to the supplier submitted by the third party, where the sales list includes a sales amount of the goods of the supply type;

The determining unit 52 determines the amount of the payment due from the third party according to the sales list and the loan agreement;

The debit unit 53 debits the account of the third party according to the amount of the payable amount and the loan agreement.

Optionally, the debiting unit 53 is specifically configured to:

Deducting the amount corresponding to the payable amount from the account of the third party;

When the amount of the payment due is greater than the repayment amount, the amount corresponding to the remaining amount in the amount of the payment due is paid to the account of the supplier, and the remaining amount is the amount of the payment due and the The difference in the amount of repayment;

When the amount of the payment due is less than the repayment amount, the amount corresponding to the remaining repayment amount is deducted from the account of the supplier, and the remaining repayment amount is the repayment amount and the amount of the payment due difference.

Optionally, the device further includes:

The recording unit 54 is configured to record the repayment information of the supplier.

Optionally, the receiving unit 51 is further configured to receive a supply list submitted by the supplier, where the supply list includes a supply type and a supply quantity of the goods of the supply type;

The receiving unit 51 is specifically configured to:

Determining a total sales amount of the goods of the supply type based on the sales list;

The receipt of the sales list is stopped when the total sales amount of the goods of each supply type is equal to the supply amount of the goods of the corresponding supply type.

Optionally, the apparatus further includes: an auditing unit 55 and a generating unit 56, wherein:

The receiving unit 51 is further configured to acquire a loan request submitted by a supplier, where the loan request includes vendor information;

An auditing unit 55, configured to review the loan request based on the supplier information;

The generating unit 56 is configured to generate a loan agreement after the loan request is approved.

Optionally, the supplier information includes a credit history record and historical repayment information, and the auditing unit 55 is specifically configured to determine a credit rating of the supplier according to the credit information and the historical repayment information; When the credit level is greater than or equal to the preset credit level threshold, it is determined that the loan request is approved.

Optionally, the loan agreement further includes a repayment period, where the repayment amount is a repayment amount in the repayment period, and the determining unit 52 is specifically configured to: determine, according to the sales list, the The cumulative sales amount of the goods of the supply type in the payment period; the amount of the payment due from the third party in the repayment period is calculated based on the accumulated sales amount and the unit price of the goods of the supply type.

It should be noted that the functions of the functional units of the repayment device described in the embodiments of the present invention may be specifically implemented according to the method in the method embodiment of FIG. 2 or FIG. 3, and the specific implementation process may refer to FIG. 2 or The related description of the method embodiment of 3 is not repeated here.

In the embodiment of the present invention, the issuing unit 50 issues a loan to the supplier according to the loan agreement signed by the supplier, the third party and the lender, and the receiving unit 51 receives the loan corresponding to the supplier submitted by the third party after the issuing unit 50 issues the loan. The sales list, determining unit 52 determines the amount of the payment due from the third party according to the sales list and the loan agreement, and the payment unit 53 deducts the amount of the payment due from the determining unit 52 and the loan agreement from the third party account, not only It is conducive to simplifying the supplier repayment process, and it is also beneficial to control the supplier's capital movements and reduce the bad debt rate.

Referring to FIG. 6, FIG. 6 is a schematic block diagram of a server according to an embodiment of the present invention. As shown in FIG. 6, the server includes a processor 601, a memory 602, and a network interface 603. The processor 601, the memory 602, and the network interface 603 may be connected by a bus or other means. In FIG. 6 shown in the embodiment of the present invention, a bus connection is taken as an example. The network interface 603 is controlled by the processor for transmitting and receiving messages, the memory 602 is used for storing a computer program, the computer program includes program instructions, and the processor 601 is configured to execute program instructions stored by the memory 602. The processor 601 is configured to invoke the program instruction execution: issue a loan to the supplier according to a loan agreement signed by a supplier, a third party, and a lender; and receive the submitted by the third party with the supplier Corresponding sales list; determining, according to the sales list and the loan agreement, the amount of the payment due from the third party; deducting the amount from the account of the third party according to the amount of the payment due and the loan agreement.

It should be understood that, in the embodiment of the present invention, the processor 601 may be a central processing unit (CPU), and the processor 601 may also be another general-purpose processor, a digital signal processor (Digital Signal Processor, DSP). ), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, and the like. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The memory 602 can include read only memory and random access memory and provides instructions and data to the processor 601. A portion of the memory 602 may also include a non-volatile random access memory. For example, the memory 602 can also store information of the device type.

In a specific implementation, the processor 601, the memory 602, and the network interface 603, which are described in the embodiments of the present invention, may be implemented as described in the method embodiment of FIG. 2 or FIG. The implementation manner of the repayment device described in the embodiment of the present invention is not described herein again.

In another embodiment of the present invention, a computer readable storage medium is stored, the computer readable storage medium storing a computer program, the computer program comprising program instructions, when the program instructions are executed by a processor: a loan agreement signed by a supplier, a third party, and a lender to issue a loan to the supplier; receive a sales list submitted by the third party corresponding to the supplier; and determine according to the sales list and the loan agreement The amount of the payable amount of the third party; deducting the amount from the account of the third party according to the amount of the payable amount and the loan agreement.

The computer readable storage medium may be an internal storage unit of a server as described in any of the preceding embodiments, such as a hard disk or a memory of a server. The computer readable storage medium may also be an external storage device of the server, such as a plug-in hard disk equipped on the server, a smart memory card (SMC), and a Secure Digital (SD) card. , Flash Card, etc. Further, the computer readable storage medium may also include both an internal storage unit of the server and an external storage device. The computer readable storage medium is for storing the computer program and other programs and data required by the server. The computer readable storage medium can also be used to temporarily store data that has been output or is about to be output.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the various examples described in connection with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both, for clarity of hardware and software. Interchangeability, the composition and steps of the various examples have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the solution. A person skilled in the art can use different methods for implementing the described functions for each particular application, but such implementation should not be considered to be beyond the scope of the present invention.

A person skilled in the art can clearly understand that, for the convenience and brevity of the description, the specific working process of the server and the unit described above may be referred to the corresponding process in the foregoing method embodiment, and details are not described herein again.

In the several embodiments provided by the present application, it should be understood that the disclosed server and method may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, or an electrical, mechanical or other form of connection.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the objectives of the embodiments of the present invention.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention contributes in essence or to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present invention. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

The above is only the specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any equivalent person can be easily conceived within the technical scope of the present invention by any person skilled in the art. Modifications or substitutions are intended to be included within the scope of the invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

A repayment method, comprising:

Loans are issued to the supplier according to a loan agreement signed by the supplier, the third party, and the lender, the loan agreement including the supplier's supply type, the unit price of the goods of the supply type, and the repayment amount ;

Receiving, by the third party, a sales list corresponding to the supplier, the sales list including a sales amount of the goods of the supply type;

Determining the amount of the payment due from the third party according to the sales list and the loan agreement;

Debiting from the account of the third party based on the amount of the payable amount and the loan agreement.
The method of claim 1 wherein said debiting from said third party's account in accordance with said payable amount and said loan agreement comprises:

Deducting the amount corresponding to the payable amount from the account of the third party;

And when the amount of the payment due is greater than the repayment amount, the amount corresponding to the remaining amount of the amount of the payment due to be deducted is paid to the account of the supplier, and the remaining amount is the amount of the payment due and The difference in the amount of the repayment;

When the amount of the payment due is less than the repayment amount, the amount corresponding to the remaining repayment amount is deducted from the account of the supplier, and the remaining repayment amount is the repayment amount and the amount of the payment due difference.
The method according to claim 2, wherein after the debiting from the account of the third party according to the amount of the payment due and the loan agreement, the method further comprises:

Record the repayment information of the supplier.
The method according to claim 1, wherein said said third party submits said and said said third party after said loan is issued to said supplier according to a loan agreement signed by a supplier, a third party and a lender Before the vendor's corresponding sales list, the method further includes:

Receiving a supply list submitted by the supplier, the supply list including a supply type and a supply amount of the supply type;

The receiving the sales list corresponding to the supplier submitted by the third party, including:

Determining a total sales amount of the goods of the supply type based on the sales list;

The receipt of the sales list is stopped when the total sales amount of the goods of each supply type is equal to the supply amount of the goods of the corresponding supply type.
The method according to any one of claims 1 to 4, wherein the method further comprises: before the issuing a loan to the supplier according to a loan agreement signed by a supplier, a third party, and a lender;

Obtaining a loan request submitted by a supplier, the loan request including supplier information;

Reviewing the loan request based on the supplier information;

After the loan request is approved, a loan agreement is generated.
The method according to claim 5, wherein the supplier information comprises a credit history record and historical repayment information; and the reviewing the loan request based on the supplier information comprises:

Determining a credit rating of the supplier according to the credit history record and the historical repayment information;

When the credit level is greater than or equal to the preset credit level threshold, it is determined that the loan request is approved.
The method according to any one of claims 1 to 4, wherein the loan agreement further comprises a repayment period, the repayment amount being a repayment amount in the repayment period; The sales list and the loan agreement determine the amount of the payment due from the third party, including:

Determining, based on the sales list, a cumulative sales amount of goods of the supply type within the repayment period;

Calculating the amount of the payable amount of the third party in the repayment period based on the accumulated sales amount and the unit price of the goods of the supply type.
A repayment device, characterized in that it comprises means for performing the method according to any of claims 1-7.
A server, comprising: a processor, a network interface, and a memory, wherein the processor, the network interface, and the memory are connected to each other, wherein the network interface is controlled by the processor for transmitting and receiving messages The memory is for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the method of any of claims 1-7.
A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program, the computer program comprising program instructions that, when executed by a processor, cause the processor to execute as claimed The method of any of 1-7 is claimed.