TW202420203A - System for providing delivery platform partners for online financing loans and method thereof - Google Patents

Abstract

A system for providing delivery platform partners for online financing loans and a method thereof are provided. By calculating a risk control amount of a delivery platform, connecting to a delivery platform to obtain cash flow information of a platform partner of the delivery platform after the platform partner applies for financing or loan, using a loan model corresponding to a partner identity of the platform partner to calculate loanable amount corresponding to the partner identity and the sum of the loanable amount dose not exceeding the risk control amout based on credit information and the cash flow information of the platform partner, and transferring the loanable amount to a custom account of the platform partner when the platform partner uses the custom account to apply for drawdown, the system and the method can obtain cash flow of delivery merchant and delivery person from delivery platform, and can achieve the effect of reducing labor cost of loan approval effectively, speeding up loan approval, and reducing human intervention and omission.

Description

System and method for providing online financing loans to delivery platform partners

A financing loan system and method thereof, in particular, a system and method for providing online financing loans to delivery platform partners.

A loan, also known as borrowing or financing, is money loaned by one or more individuals, organizations, or other entities to other individuals, organizations, etc., usually with a repayment date and interest to be paid. The lender (or borrower) assumes the debt and is usually responsible for paying interest until all debts and interest are repaid.

Providing loans is one of the main businesses of financial institutions such as banks or credit card companies. The current loan process is mostly that after the borrower submits the application information, the bank will confirm the accuracy of the application information and review the application information to determine the loan amount and interest rate. If the bank approves the borrower's application, the bank will guarantee with the borrower and transfer the funds to the borrower's account after the guarantee. If the bank directly approves the borrower's application, the entire loan process will take about three to five working days to transfer the funds. If the application is not approved and needs to be re-applied, the loan process will take more time. Among them, the loan process mainly takes time to review the borrower's application and to guarantee with the borrower. Therefore, some financial institutions currently use computers to review applications and provide borrowers with online guarantees to shorten the loan process.

However, for borrowers, before starting the loan process, they need to prepare application materials, and the application materials include proof of income source. Generally speaking, proof of income source can be the borrower's income proof or salary proof, but some borrowers, such as delivery merchants and deliverymen, may have difficulties in providing proof of income or salary. As a result, these borrowers cannot apply for loans from financial institutions.

In summary, it can be seen that in the previous technology, there has long been a problem that delivery merchants and deliverymen have been unable to provide proof of income sources and have difficulty applying for loans. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that delivery merchants and deliverymen in the prior art cannot provide proof of income sources and thus find it difficult to apply for loans, the present invention discloses a system and method for providing online financing loans to delivery platform partners, wherein:

The system disclosed in the present invention for providing online financing loans to delivery platform partners at least includes: a front-end application module for providing input of loan application data, wherein the loan application data includes customer identity data; a data acquisition module for connecting to the delivery platform to obtain delivery cash flow data corresponding to the customer identity data, and for querying credit data related to the customer identity data; a credit management module for calculating the risk control limit of the delivery platform The loan processing module is used to query the customer identity data corresponding to the customer account when the customer account applies for a loan transfer, obtain the loan amount corresponding to the customer identity data, and transfer the loan amount to the customer account.

The method disclosed in the present invention for providing online financing loans to delivery platform partners includes at least the following steps: calculating the risk control limit of the delivery platform; providing and inputting financing application information, the financing application information including the customer identity information; connecting to the delivery platform to obtain the delivery cash flow data corresponding to the customer identity information; querying the credit information related to the customer identity information; selecting the customer The bank will use the loan model corresponding to the customer's identity data, and use the loan model to calculate the loan amount corresponding to the customer's identity data based on the credit data and external cash flow data, and the loan amount is less than or equal to the risk control limit; when the customer account applies for transfer, the bank will query the customer's identity data corresponding to the customer account; obtain the loan amount corresponding to the customer's identity data, and transfer the loan amount to the customer account.

The system and method disclosed in the present invention are as described above. The difference between the present invention and the prior art is that after calculating the risk control limit of the delivery platform, when the platform partner applies for financing or a loan, the present invention connects to the delivery platform to obtain the delivery cash flow data of the platform partner, and obtains the credit information of the platform partner, and calculates the loan amount corresponding to the customer identity data and less than or equal to the risk control limit based on the credit information of the platform partner and the delivery cash flow data using the loan model corresponding to the customer identity data, and when the customer account used by the platform partner applies for transfer, the loan amount is transferred to the customer account, thereby solving the problems existing in the prior art and achieving the technical effects of effectively reducing the labor cost of loan approval, accelerating the loan approval speed, and reducing human intervention and omissions.

The following will be used in conjunction with drawings and embodiments to explain in detail the features and implementation methods of the present invention. The content is sufficient to enable anyone familiar with the relevant technology to easily and fully understand the technical means used by the present invention to solve the technical problems and implement them accordingly, thereby achieving the effects that can be achieved by the present invention.

The present invention can provide the platform partners of the delivery platform with an online application for financing or loans, and can allow the platform partners who have passed the financing or loan application to automatically transfer the loanable amount to the platform partner's account after the application is activated. The platform partner can be a merchant of the delivery platform or a deliveryman of the delivery platform.

The computing device mentioned in the present invention includes but is not limited to one or more processing modules, one or more memory modules, and hardware components such as a bus connecting different hardware components (including memory modules and processing modules). Through the multiple hardware components included, the computing device can load and execute an operating system so that the operating system runs on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and the above-mentioned hardware components are arranged in the housing.

The bus of the computing device of the present invention may include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and/or a local bus. The bus of the computing device includes but is not limited to an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, a Video Electronics Standards Association (VESA) local bus, a serial Universal Serial Bus (USB), a Peripheral Component Interconnect Express (PCI Express, PCI-E/PCIe) bus, and the like.

The processing module of the computing device of the present invention is coupled to a bus. The processing module includes a register group or a register space, which can be completely set on the processing chip of the processing module, or completely or partially set outside the processing chip and coupled to the processing chip via a dedicated electrical connection and/or via a bus. The processing module can be a central processing unit, a microprocessor or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are the same or similar, and are coupled and communicated through a bus. The processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to drive other hardware components in the computing device or run the operating system or execute various programs and/or modules.

Computing devices usually also include one or more chipsets. The processing module of the computing device can be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, etc. That is, the memory controller and the peripheral input/output (I/O) controller can be included in one IC, or can be implemented using two or more ICs. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processing modules coupled or electrically connected to the chipset.

The processing module of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), read-only memory (ROM), flash memory, etc. The mass storage area mentioned above may include any type of storage device or storage media, such as a hard drive, optical disc, flash drive, memory card, solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processing module of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral input/output controller via the peripheral input/output bus. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting a wireless local area network (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G/4G/5G and other mobile communication networks (cellular networks) or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, a DSL modem, a cable modem, an asynchronous transfer mode (ATM) device, or an optical fiber communication interface and/or component. The processing module can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the hardware components described above.

The following first uses the system architecture diagram of the present invention, "Figure 1", which is a system architecture diagram for providing online financing loans to delivery platform partners. As shown in "Figure 1", the system of the present invention includes a platform cooperation terminal 110, a delivery platform 120, and a network server group 130. Among them, the platform cooperation terminal 110 and the delivery platform 120 can be computing devices, and the network server group 130 can include one or more computing devices, and the delivery platform 120, the platform cooperation terminal 110 and the network server group 130 can be connected through a wired or wireless network to transmit data or signals to each other.

The platform cooperation terminal 110 is a device used by the platform partners, including but not limited to a mobile phone, a tablet or a computer, etc. For example, the platform cooperation terminal used by merchants on the delivery platform is usually a tablet, and the platform cooperation terminal used by deliverymen on the delivery platform is usually a mobile phone, etc., but the present invention is not limited thereto.

The platform partner 110 can provide platform partners with input of loan application information. The input loan application information includes the identity information of the platform partner (represented as "customer identity information" in the present invention) and the application information required for applying for financing or loans, wherein the customer identity information can include the identity information of the platform partner on the delivery platform 120 (such as a merchant or delivery person) and customer identification information.

The delivery platform 120 can provide merchants (platform partners) on the delivery platform with the ability to list products through the platform cooperation terminal 110, and can transmit the platform partner's accounts receivable to the platform cooperation terminal 110 used by the platform partner (merchants and/or deliverymen on the delivery platform).

The delivery platform 120 can also receive the customer identity data transmitted by the network server group 130, and can read the delivery order data corresponding to the received customer identity data, and can generate delivery payment data based on the read delivery order data and transmit the generated delivery payment data to the network server group 130. Among them, the delivery platform 120 can use the delivery order data as the delivery payment data, and can also perform statistics on the delivery order data to generate the delivery payment data. For example, when the identity information in the customer identity data indicates that the platform partner is a merchant, the delivery order data is the sales amount and sales quantity of the merchant's listed products in one or more periods of time. The delivery platform 120 can calculate the merchant's total sales amount in each period of time. (the sum of the product of the sales amount and the sales quantity of all listed products in each period) to generate the delivery financial flow data; and when the identity information indicates that the platform partner is a deliveryman, the delivery order data is the order data completed by the deliveryman in one or more periods of time. The delivery platform 120 can calculate the total income obtained by the deliveryman in each period of time to generate the delivery financial flow data (the sum of the income of the orders completed in each period of time).

The network server group 130 can automatically approve the financing or loan application of the platform partner, and when the platform partner applies for the approved financing or loan, the platform partner's loanable amount is automatically transferred to the platform partner's customer account.

In some embodiments, the network server group 130 may include a front-end application module 210, a data acquisition module 220, a credit management module 230, a loan processing module 250, and an additional message notification module 240, a credit limit adjustment module 270, a data query module 280, and a feedback calculation module 290 as shown in "Figure 2". Among them, each module included in the network server group 130 can be independently operated in different computing devices, or can be arbitrarily set in one or more computing devices. For example, the credit management module 230, the message notification module 240, the loan processing module 250, the credit limit adjustment module 270, and the feedback calculation module 290 can be set in the same computing device, and the front-end application module 210, the data acquisition module 220, and the data query module 280 can be set in other computing devices, etc., but the present invention is not limited to the above.

The front-end application module 210 is electrically connected to the data acquisition module 220, and is responsible for providing input loan application data, and for providing or transmitting the input loan application data to the data acquisition module 220. It should be noted that the front-end application module 210 can be executed in the network server group 130, and can also be transmitted to the platform cooperation terminal 110 for execution. For example, the front-end application module 210 can be executed in the network server group 130 to provide web services, so as to provide platform partners with the ability to input loan application data and receive the input loan application data through the web page downloaded from the platform cooperation terminal 110, and provide or transmit the received loan application data to the data acquisition module 220; the front-end application module 210 can also be downloaded from the network server group 130 to the platform cooperation terminal 110 for installation and execution, so as to provide platform partners with the ability to input loan application data at the platform cooperation terminal 110 and transmit the input loan application data to the data acquisition module 220.

In some embodiments, the front-end application module 210 may also use the platform partner's private key to sign the input loan application data to generate signature data, and provide or transmit the loan application data and signature data to the data acquisition module 220 .

The data acquisition module 220 is electrically connected to the front-end application module 210, the credit management module 230 and the message notification module 240, and is responsible for connecting to the outbound delivery platform 120 to obtain outbound payment flow data. The delivery payment data obtained by the data acquisition module 220 corresponds to the customer identity data included in the loan application data obtained by the front-end application module 210. For example, when the identity information in the customer identity data indicates that the platform partner is a merchant, the delivery payment data can be data such as the sales amount and sales quantity of the goods listed by the merchant in the past one or more periods of time, or the total sales amount of the merchant in each period of time; when the identity information indicates that the platform partner is a deliveryman, the delivery payment data can be data such as the deliveryman's order acceptance status, evaluation, and the number of orders completed in the past one or more periods of time, or the total income obtained by the deliveryman in each period of time.

The data acquisition module 220 is also responsible for connecting to a specific host (not shown) to query credit information. The specific host may be provided by a joint credit system, a judicial system, and/or a financial system. The credit information acquired by the data acquisition module 220 corresponds to the customer identity information included in the loan application information acquired by the front-end application module 210. For example, when the identity information in the customer identity information indicates that the platform partner is a merchant, the credit information may be the credit information of the merchant and the owner of the merchant. When the identity information indicates that the platform partner is a delivery person, the credit information is the credit information of the delivery person.

The credit management module 230 is electrically connected to the data acquisition module 220, the message notification module 240, the loan processing module 250, and the data query module 280, and is responsible for calculating the risk control limit of the delivery platform 120. The credit management module 230 can calculate the risk control limit based on the financial data of the delivery platform 120 in the recent period of time, and the above-mentioned financial data includes but is not limited to financial statements.

The credit management module 230 is also responsible for selecting a loan model and using the selected loan model to calculate the loan amount of the platform partner according to the credit data and the delivery cash flow data obtained by the data acquisition module 220. In more detail, the credit management module 230 can select different loan models according to the customer identity information contained in the loan application data obtained by the front-end application module 210. For example, when the identity information in the customer identity information indicates that the platform partner is a merchant, the credit management module 230 can select a fixed turnover period loan model to calculate the loan amount, and when the identity information indicates that the platform partner is a delivery person, the credit management module 230 can select a short-term small turnover loan model to calculate the loan amount. It should be noted that the total amount of loanable funds of all platform partners of the delivery platform 120 calculated by the credit management module 230 will be less than or equal to the risk control limit of the delivery platform.

If the credit management module 230 and the message notification module 240 or the loan processing module 250 are installed on different devices, the credit management module 230 may also send the calculated loanable amount to the message notification module 240/the loan processing module 250. It should be noted that the credit management module 230 can directly transmit the customer identity data and the loan amount to the message notification module 240/loan processing module 250 after calculating the loan amount, or can schedule the customer identity data and the loan amount to be transmitted to the message notification module 240/loan processing module 250 in batches. The present invention has no special limitations. Among them, the credit management module 230 can select the online banking server corresponding to the identity information according to different identity information in the customer identity data; in addition, the credit management module 230 can also provide the loan processing module 250 with the loan amount corresponding to the customer identity data.

The credit management module 230 can also obtain the customer information of the platform user that is previously stored in the bank according to the received customer identity information, and use the obtained customer information to guarantee with the platform partners.

The message notification module 240 may be electrically connected to the credit management module 230 , and may also be electrically connected to the platform cooperation terminal 110 .

The message notification module 240 can generate and send an operation prompt message, and can also generate a customer notification message including the loanable amount generated by the credit management module 230, and read the communication data of the platform partner from a pre-established file or database according to the customer identity data received from the credit management module 230 (also referred to as "customer communication data" in the present invention), and send the generated customer notification message to the platform cooperation terminal 110 according to the obtained customer communication data. Among them, the customer communication data can be a phone number, an email account, an instant messaging account, an application identification data, etc. The message notification module 240 can send the customer notification message to the platform cooperation terminal 110 through SMS, email, instant messaging, push, etc. corresponding to the customer communication data.

The loan processing module 250 is electrically connected to the credit management module 230 , the credit limit adjustment module 270 , and the feedback calculation module 290 , and may also be electrically connected to the platform cooperation terminal 110 . The loan processing module 250 is responsible for receiving the loanable amount generated by the credit management module 230 . The loan processing module 250 may pre-store the customer identity data and the corresponding loan amount transmitted (directly or by scheduling) by the credit management module 230, so as to read the corresponding loan amount according to the obtained customer identity data; the loan processing module 250 may also transmit the obtained customer identity data to the credit management module 230, so as to query the credit management module 230 for the corresponding loan amount.

The loan processing module 250 is also responsible for querying the customer identity data corresponding to the customer account applying for the call when the customer account applies for the call, obtaining the loan amount corresponding to the query customer identity data, and transferring the obtained loan amount to the customer account applying for the call, that is, adding a loan record of the loan amount in the customer account applying for the call. Generally speaking, the platform partner can operate the platform partner terminal 110 to connect to the loan processing module 250, and use the pre-applied bank account (also referred to as "customer account" in the present invention) to apply for the call.

The credit limit adjustment module 270 is electrically connected to the loan processing module 250, and can obtain the interest payment and repayment information of the customer account and the customer identity information corresponding to the customer account, and can adjust the loan amount corresponding to the obtained customer identity information calculated by the credit management module 230 according to the obtained interest payment and repayment information of the customer account. In more detail, the credit limit adjustment module 270 can calculate the customer score corresponding to the customer identity data based on the interest repayment data of the customer account obtained, and the credit data and outbound payment flow data corresponding to the customer identity data retrieved by the data acquisition module 220, and adjust the loanable amount based on the calculated customer score, but the data used by the credit limit adjustment module 270 to calculate the customer score is not limited to the above.

If the loan processing module 250 receives and stores the loan amount transmitted by the credit management module 230, the credit adjustment module 270 can transmit the obtained customer identity information and the adjusted loan amount to the loan processing module 250, so that the loan processing module 250 updates the stored loan amount corresponding to the customer identity information; and if the loan processing module 250 transmits the obtained customer identity information and the adjusted loan amount to the credit management module 230, 230 to inquire about the loanable amount, the loan processing module 250 can first connect to the credit adjustment module 270 to inquire whether the loanable amount is adjusted. If so, the loan processing module 250 can use the loanable amount inquired by the credit adjustment module 270. If not, the loan processing module 250 can connect to the loan processing module 250 to inquire about the loanable amount, but the present invention is not limited to this.

The data query module 280 is electrically connected to the credit management module 230, and can also be electrically connected to the platform cooperation terminal 110, and can provide query and/or call history files. In the present invention, the history files include loan application data and can also include preservation records.

The feedback calculation module 290 is electrically connected to the loan processing module 250, and can obtain the loan amount and interest payment repayment information of all customer accounts that apply for loan transfers, and can calculate the financing balance based on the obtained loan amount and interest payment repayment information, and can calculate the feedback amount based on the calculated financing balance and the feedback ratio of the delivery platform 120, and can transfer the calculated feedback amount to the platform account of the delivery platform 120 to give feedback to the delivery platform 120. For example, the financing balance can be the product of the daily financing balance and the number of financing days, and the daily return amount can be the financing balance multiplied by the return ratio divided by the number of days in a year (365 days), etc., but the present invention is not limited to this. Among them, the return ratio can be a fixed value or dynamically set.

Next, an embodiment is used to explain the operating system and method of the present invention, and please refer to "Figure 3A" for the flowchart of the method of providing online financing loans to delivery platform partners of the present invention. In this embodiment, it is assumed that the network server group 130 includes a data server, a credit server, and an online banking server, wherein the data server can provide a download of the front-end application module 210 or provide the front-end application module 210 for execution, and the data server can also provide a data acquisition module 220 for execution, the credit server can provide a credit management module 230 and a message notification module 240 for execution, and the online banking server can provide a loan processing module 250, a credit limit adjustment module 270, and a feedback calculation module 290 for execution, but the present invention is not limited to this.

When the delivery platform 120 wishes to cooperate with the financial institution that provides the network server group 130 to provide platform partners of the delivery platform 120 with financing or loans, the management personnel of the delivery platform 120 can provide the financial data of the past period of time (such as three years) to the financial institution that provides the network server group 130, and the service personnel of the financial institution can input the financial data of the delivery platform 120 into the credit server, so that the credit management module 230 can calculate the risk control limit of the delivery platform 120 based on the financial data of the delivery platform 120 (step 301), and can even calculate the feedback ratio of the delivery platform 120.

If the delivery platform 120 passes the review of the credit management module 230 of the credit server, the delivery platform 120 can transmit the loan business introduction to the platform cooperation end 110, so that platform partners who are interested or in need can connect to the network server group 130 (data server) based on the loan business introduction. In this way, the front-end application module 210 can provide platform partners with input loan application information (step 310). In this embodiment, if the front-end application module 210 can be executed in the data server, the front-end application module 210 can provide the platform cooperation terminal 110 with a web page containing the input of the loan application data after the platform cooperation terminal 110 is connected, so that the platform partner can input the loan application data in the platform cooperation terminal 110, and the platform cooperation terminal 110 can return the inputted loan application data to the front-end application module 210; and if the front-end application module 210 is executed in the platform cooperation terminal 110, then the data server can transmit the front-end application module 210 to the platform cooperation terminal 110 after the platform cooperation terminal 110 is connected, so that the platform cooperation terminal 110 executes the downloaded front-end application module 210. After the front-end application module 210 is executed, the input interface of the loan application data can be displayed to provide the platform partner with the loan application data input in the platform cooperation terminal 110.

After the front-end application module 210 obtains the loan application data input by the platform partner, the data acquisition module 220 can directly establish a point-to-point connection with the delivery platform 120, and the delivery platform 120 obtains the delivery payment flow data corresponding to the customer identity data in the loan application data obtained by the front-end application module 210 (step 321). In this embodiment, if the identity information in the customer identity data indicates that the platform partner is a merchant, the delivery payment data obtained by the data acquisition module 220 may include the sales amount of the merchant's listed products in the past period of time, and may also include data such as the date when the delivery platform 120 is expected to transfer funds to the merchant; and if the identity information in the customer identity data indicates that the platform partner is a delivery person, the delivery payment data obtained by the data acquisition module 220 may include the order data completed by the delivery person in the past period of time, and may also include the total income obtained from the delivery platform 120 in the same period of time. The above-mentioned past period of time may be the past six months or a year, etc.

Similarly, after the front-end application module 210 obtains the loan application data input by the platform partner, the data acquisition module 220 can also query the credit data related to the customer identity data in the loan application data (step 325). In this embodiment, the data acquisition module 220 can connect to the joint credit system, the judicial system, and the financial system to obtain the credit data corresponding to the customer identity data. When the identity information in the customer identity data indicates that the platform partner is a merchant, the data acquisition module 220 can obtain the credit data of the merchant and the owner of the merchant; and when the identity information indicates that the platform partner is a delivery person, the data acquisition module 220 can obtain the credit data of the delivery person.

In practice, there is no order in which the data acquisition module 220 connects to the delivery platform 120 to obtain the delivery payment data corresponding to the customer identity data (step 321) and connects to the specific server to query the credit data related to the customer identity data (step 325).

After the data acquisition module 220 obtains the outbound cash flow data corresponding to the customer identity data (step 321) and the credit data related to the customer identity data (step 325), the credit management module 230 can select a financing model corresponding to the customer identity data, and use the selected financing model to calculate the loan amount corresponding to the customer identity data based on the outbound cash flow data and credit data obtained by the data acquisition module 220 (step 330). In this embodiment, it is assumed that the data acquisition module 220 can transmit the customer identity data, outbound payment data, and credit data to the credit server through the data server, so that the credit management module 230 can receive the customer identity data, outbound payment data, and credit data through the credit server. In addition, the credit management module 230 can also obtain the customer data of the platform user pre-stored in the bank according to the received customer identity data, and use the obtained customer data to guarantee with the platform partner. The credit management module As shown in the process of "FIG. 3B", the credit management module 230 can schedule the transmission of the customer identity data and the corresponding loan amount to the online banking server through the credit server (step 335), wherein, when the identity information in the customer identity data indicates a merchant, the credit management module 230 can transmit the customer identity data and the loan amount to the corporate bank server, and when the identity information in the customer identity data indicates a delivery person, the credit management module 230 can transmit the customer identity data and the loan amount to the mobile online banking server.

After the credit management module 230 generates the loanable amount corresponding to the customer identity data, if the credit server also includes a message notification module 240, the message notification module 240 can generate a customer notification message and send the generated customer notification message to the platform partner (step 340). In this embodiment, it is assumed that the message notification module 240 can obtain the email account of the platform partner based on the customer identity data and send an email containing the generated customer notification message to the platform partner.

Similarly, after the credit management module 230 generates the loanable amount corresponding to the customer identity information, usually after the platform cooperation terminal 110 obtains the customer notification message sent by the message notification module 240, the platform cooperation terminal 110 can connect to the online banking server, log in to the online banking server using the pre-applied customer account, and apply for the mobile loanable amount after logging in to the online banking server. In this embodiment, if the platform partner is a merchant, the platform partner can operate the platform cooperation terminal 110 to log in to the corporate bank server, and operate the platform cooperation terminal 110 to select the function of applying for mobile loan in the user interface; similarly, if the platform partner is a delivery person, the platform partner can operate the platform cooperation terminal 110 to log in to the mobile online banking server, and operate the platform cooperation terminal 110 to select the function of applying for mobile loan in the user interface.

After the platform partner applies for the loan amount to be transferred, the loan processing module 250 can query the customer identity information corresponding to the customer account for which the loan amount is applied (step 351), and after obtaining the loan amount corresponding to the customer identity information, transfer the loan amount to the customer account (step 355). In this embodiment, since the credit management module 230 can select the customer identity data and the corresponding loan amount to be sent to the corporate bank server or the mobile bank server or other online banking server through the credit server according to the identity information in the customer identity data, the loan processing module 250 executed in the corporate bank server or the mobile bank server or other online banking server can use the file or database to store the received customer identity data. In this way, after the platform cooperation terminal 110 uses the customer account to apply for a mobile call, the loan processing module 250 can query the corresponding customer identity information based on the user identification information of the customer account logged into the online banking server, and read the corresponding loan amount from the file or database based on the queried customer identity information, and increase the read loan amount in the customer account to transfer the loan amount to the customer account.

Thus, through the present invention, platform partners can apply for financing or loans online when needed, and can quickly obtain review results and make online transfers.

In the above embodiment, if the network server group 130 also includes a credit limit adjustment module 270, then after the loan processing module 250 transfers the loan amount to the customer account (step 355), the credit limit adjustment module 270 can calculate the customer score corresponding to the customer identity information based on the interest repayment information of the customer account as shown in the process of "Figure 3C" (step 371), and adjust the loan amount calculated by the credit management module 230 according to the calculated customer score (step 375), so that the subsequent loan amount of the platform partner is adjusted.

In addition, if the network server group 130 also includes a feedback calculation module 290, after the loan processing module 250 transfers the loanable amount to the customer account (step 355), as shown in the process of "Figure 3D", the feedback calculation module 290 can transfer the loanable amount to the customer account at regular intervals, such as at a specific time every day, according to the loan processing module 250. The loan balance of all customer accounts and the interest repayment data of each customer account are calculated (step 393), and the rebate is calculated according to the calculated loan balance and the rebate ratio of the delivery platform 120 (step 395), and the calculated rebate is transferred to the platform account pre-applied for by the delivery platform 120 (step 397).

In summary, the difference between the present invention and the prior art is that after applying for financing or loans through a platform partner, the present invention connects to the delivery platform to obtain the delivery cash flow data corresponding to the customer identity data of the platform partner, and inquires about the credit data related to the customer identity data, and selects the financing model corresponding to the customer identity data, and uses the financing model to calculate the credit data and the delivery cash flow data. The loan amount corresponding to the customer's identity information can be determined, and when the customer applies for a loan transfer, the loan amount will be transferred to the customer's account. This technical means can solve the problem of delivery merchants and deliverymen being unable to provide proof of income source and thus having difficulty applying for loans, thereby achieving the technical effect of effectively reducing the labor cost of loan approval, speeding up loan approval, and reducing human intervention and omissions.

Furthermore, the method of providing online financing loans to delivery platform partners of the present invention can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner in a computer system or in a distributed manner with different components distributed in several interconnected computer systems.

Although the implementation methods disclosed in the present invention are as above, the contents described are not intended to directly limit the scope of patent protection of the present invention. Any person with common knowledge in the technical field to which the present invention belongs, without departing from the spirit and scope disclosed by the present invention, makes slight changes and modifications to the implementation of the present invention in form and details, which are all within the scope of patent protection of the present invention. The scope of patent protection of the present invention shall still be based on the scope defined in the attached patent application.

110: Platform cooperation terminal 120: Delivery platform 130: Network server group 210: Front-end application module 220: Data acquisition module 230: Credit management module 240: Message notification module 250: Loan processing module 270: Credit limit adjustment module 280: Data query module 290: Feedback calculation module Step 301: Calculate the risk control limit of the delivery platform Step 310: Provide input of loan application data including customer identity information Step 321: Connect to the delivery platform to obtain the delivery cash flow data corresponding to the customer identity information Step 325: Query the credit information related to the customer identity information Step 330: Select the loan model corresponding to the customer's identity data, and use the loan model to calculate the loan amount corresponding to the customer's identity data and not exceeding the risk control limit based on the credit data and the external cash flow data Step 335: Schedule the sending and storage of the loan amount corresponding to the customer's identity data Step 340: Generate and send customer notification messages to platform partners Step 351: Query the customer's identity data corresponding to the customer's account when the customer's account applies for transfer Step 355: Obtain the loan amount corresponding to the customer's identity data and transfer the loan amount to the customer's account Step 371: Calculate the customer score corresponding to the customer's identity information based on the interest payment and repayment data of the customer's account Step 375: Adjust the loan amount based on the customer's score Step 393: Calculate the financing balance based on the loan amount transferred to the customer's account and the interest payment and repayment data of the customer's account Step 395: Calculate the rebate based on the financing balance and the rebate ratio of the delivery platform Step 397: Transfer the rebate to the platform account of the delivery platform

Figure 1 is a system architecture diagram of the online financing loan provided to the delivery platform partners of the present invention. Figure 2 is a schematic diagram of the components of the network server group of the online financing loan provided to the delivery platform partners of the present invention. Figure 3A is a flow chart of the method of providing online financing loans to the delivery platform partners of the present invention. Figure 3B is a flow chart of the additional method of providing online financing loans to the delivery platform partners of the present invention. Figure 3C is a flow chart of the method of adjusting the loan amount of the platform partners of the present invention. Figure 3D is a flow chart of the method of giving back to the delivery platform of the present invention.

Step 301: Calculate the risk control limit of the delivery platform

Step 310: Provide loan application information including customer identity information

Step 321: Connect to the delivery platform to obtain the delivery payment data corresponding to the customer’s identity information

Step 325: Query credit information related to customer identity information

Step 330: Select the loan model corresponding to the customer's identity data, and use the loan model to calculate the loan amount corresponding to the customer's identity data and not exceeding the risk control limit based on the credit data and external cash flow data.

Step 340: Generate and send customer notification message to platform partners

Step 351: Query the customer identity information corresponding to the customer account when applying for transfer of the customer account

Step 355: Obtain the loanable amount corresponding to the customer's identity information and transfer the loanable amount to the customer's account

Claims (10)

A system for providing online financing loans to partners of a delivery platform, the system at least comprising: A front-end application module for providing input of a financing application data, the financing application data comprising a customer identity data of a delivery platform; A data acquisition module for connecting to the delivery platform to obtain a delivery cash flow data corresponding to the customer identity data, and for querying a credit data related to the customer identity data; A credit management module, used to calculate a risk control limit of the delivery platform, and to select a loan model corresponding to the customer identity data, and use the loan model to calculate a loan amount corresponding to the customer identity data based on the credit data and the delivery cash flow data, wherein the total of the loan amount is less than or equal to the risk control limit; and A loan processing module, used to query the customer identity data corresponding to the customer account when a customer account applies for a loan, obtain the loan amount corresponding to the customer identity data, and transfer the loan amount to the customer account. A system for providing online financing loans to delivery platform partners as described in claim 1, wherein the system further includes a message notification module for generating and sending an operation prompt message, and/or for generating a customer notification message, and obtaining customer communication information based on the customer identity information, and sending the customer notification message to the platform partner based on the customer communication information. A system for providing online financing loans to delivery platform partners as described in claim 1, wherein the loan processing module stores the loan amount scheduled to be sent by the credit management module and reads the loan amount when the customer account applies for a call, or connects to the credit management module to inquire about the loan amount when the customer account applies for a call. A system for providing online financing loans to delivery platform partners as described in claim 1, wherein the front-end application module is further used to sign the financing application data to generate a signature data and transmit the financing application data and the signature data to the data acquisition module. A system for providing online financing loans to delivery platform partners as described in claim 1, wherein the system includes a data query module for providing query and/or retrieving a history file, which includes the loan application data and/or retention records. A system for providing online financing loans to delivery platform partners as described in claim 1, wherein the system further includes a credit limit adjustment module for calculating a customer score corresponding to the customer's identity information based on the interest repayment information of the customer's account, and adjusting the loanable amount based on the customer score. A system for providing online financing loans to partners of a delivery platform as described in claim 1, wherein the system further includes a feedback calculation module for calculating a financing balance based on the loanable amount transferred to the customer account and the interest repayment information of the customer account, and calculating a feedback amount based on the financing balance and the feedback ratio of the delivery platform, and transferring the feedback amount to the platform account of the delivery platform. A method for providing online financing loans to delivery platform partners, the method comprising at least the following steps: Calculating a risk control limit of a delivery platform; Providing input of a financing application data, the financing application data including a customer identity data of the delivery platform; Connecting to the delivery platform to obtain a delivery cash flow data corresponding to the customer identity data; Querying a credit data related to the customer identity data; Selecting a financing model corresponding to the customer identity data, and using the financing model to calculate a loan amount corresponding to the customer identity data based on the credit data and the delivery cash flow data, the total of the loan amount is less than or equal to the risk control limit; When a customer account applies for a transfer, query the customer identity information corresponding to the customer account; and obtain the loan amount corresponding to the customer identity information and transfer the loan amount to the customer account. A method for providing online financing loans to delivery platform partners as described in claim 8, wherein after the step of transferring the loanable amount into the customer account, the method further includes the steps of calculating a customer score corresponding to the customer's identity information based on the interest repayment information of the customer account, and adjusting the loanable amount based on the customer score. A method for providing online financing loans to partners of a delivery platform as described in claim 8, wherein the method further includes, after the step of transferring the loanable amount into the customer account, calculating a financing balance based on the loanable amount transferred into the customer account and the interest repayment information of the customer account, calculating a reward based on the financing balance and the reward ratio of the delivery platform, and transferring the reward into the platform account of the delivery platform.

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