TWM668730U - Online financing evaluation system based on supply chain accounts receivable and payment history data - Google Patents

Abstract

An online financing evaluation system based on historical data of accounts receivable and payable of a supply chain, wherein an enterprise client is connected to a financing service platform, a data query module in the financing service platform is respectively connected to an enterprise basic database and an enterprise transaction database, a data processing module in the financing service platform is respectively connected to a data query module and a financing data evaluation module, an enterprise client provides supply chain accounts receivable/payable data to the financing service platform, and the financing service platform queries the corresponding enterprise basic data and supply chain identity identification data As well as the historical data of unfinished transactions, the difference between accounts receivable and accounts payable is calculated. Based on the queried basic enterprise information, supply chain identity identification data and the historical data of unfinished transactions, a financing analysis and evaluation is performed to generate an initial financing evaluation report. Then, based on the difference between receipts and payments, the financing conditions in the initial financing evaluation report are adjusted to generate a financing evaluation report and provided to the enterprise client for display, thereby achieving the technical effect of online financing evaluation based on the historical data of accounts receivable and payable of the supply chain.

Description

Online financing evaluation system based on supply chain accounts receivable and payment history data

An online financing evaluation system, in particular, an online financing evaluation system based on historical data of accounts receivable and payable in a supply chain.

When existing corporate customers apply for financing loans from banks, the banks will not take into account the corporate customers' existing accounts receivable/payables when calculating the financing conditions. This may result in the corporate customers being unable to obtain satisfactory financing conditions, or the bank may provide excess financing amounts or more relaxed financing conditions. In order to meet the corporate customers' accounts receivable/payable turnover needs, it is necessary to further provide a more appropriate financing conditions calculation process.

In summary, it can be seen that the previous technology has long had a problem that the accounting process of existing financing conditions is still missing, so it is necessary to propose improved technical means to solve this problem.

In view of the fact that the existing financing conditions calculation process still has some deficiencies in the previous technology, this invention discloses an online financing evaluation system based on the historical data of accounts receivable and payable of the supply chain, in which:

The online financing evaluation system based on the historical data of accounts receivable and payable of the supply chain disclosed in this invention includes: an enterprise client and a financing service platform. The financing service platform further includes: an enterprise basic database, an enterprise transaction database, a data query module, a data processing module and a financing data evaluation module.

The corporate client provides supply chain accounts receivable/payable data, receives and displays the financing evaluation report; and the financing service platform establishes a connection with the corporate client, receives the supply chain accounts receivable/payable data from the corporate client, and provides the financing evaluation report to the corporate client.

The enterprise basic database stores enterprise identity identification data and enterprise basic data in correspondence; the enterprise transaction database stores multiple enterprise transaction data, each of which includes enterprise identity identification data, supply chain identity identification data, and unfinished transaction history data; the data query module is to query the corresponding enterprise basic data from the enterprise basic database based on the enterprise identity identification data in the supply chain accounts receivable/payable data when receiving the supply chain accounts receivable/payable data from the enterprise client, and query the corresponding enterprise basic data from the enterprise transaction database based on the enterprise identity identification data in the supply chain accounts receivable/payable data. The corresponding supply chain identification data and unfinished transaction history data are obtained; the data processing module calculates the difference between receipts and payments based on the accounts receivable minus accounts payable in all the unfinished transaction history data that are queried plus the accounts receivable minus accounts payable in the supply chain accounts receivable/accounts payable data; the financing data evaluation module performs financing analysis and evaluation based on the queried enterprise basic data, the queried supply chain identification data and the unfinished transaction history data to generate an initial financing evaluation report, and then adjusts the financing conditions in the initial financing evaluation report based on the difference between receipts and payments to generate a financing evaluation report.

The system disclosed in this invention is as above. The enterprise client provides the supply chain accounts receivable/accounts payable data to the financing service platform. The financing service platform inquires the corresponding enterprise basic data, supply chain identity identification data and unfinished transaction history data and calculates the difference between accounts receivable and accounts payable. Based on the inquired enterprise basic data, supply chain identity identification data and unfinished transaction history data, a financing analysis and evaluation is performed to generate an initial financing evaluation report. Then, based on the difference between receipts and payments, the financing conditions in the initial financing evaluation report are adjusted to generate a financing evaluation report and provided to the enterprise client for display.

Through the above-mentioned technical means, this creation can achieve the technical effect of online financing evaluation based on the historical data of accounts receivable and payable in the supply chain.

The following will be used in conjunction with diagrams and embodiments to explain in detail the implementation of this invention, so that the invention can fully understand how to apply technical means to solve technical problems and achieve technical effects and implement them accordingly.

The following first explains the online financing evaluation system based on the historical data of supply chain accounts receivable and payable disclosed in this work, and please refer to "Figure 1", which is a system block diagram of the online financing evaluation system based on the historical data of supply chain accounts receivable and payable disclosed in this work.

The online financing evaluation system based on the historical data of accounts receivable and payable of the supply chain disclosed in this invention includes: an enterprise client 10 and a financing service platform 20. The financing service platform 20 further includes: an enterprise basic database 21, an enterprise transaction database 22, a data query module 23, a data processing module 24 and a financing data evaluation module 25.

The corporate client 10 and the financing service platform 20 establish a connection via a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc., and the aforementioned wireless transmission method is, for example, Wi-Fi, a mobile communication network (for example, 3G, 4G, 5G, etc.)... etc. These are only used as examples for illustration and are not intended to limit the scope of application of this invention.

The financing service platform 20 pre-establishes a basic enterprise database 21 and an enterprise transaction database 22. The basic enterprise database 21 stores enterprise identity information and basic enterprise information correspondingly. The enterprise transaction database 22 stores a plurality of enterprise transaction data. Each enterprise transaction data includes enterprise identity information, supply chain identity information and unfinished transaction history information. The enterprise identity information and supply chain identity information are, for example, digital financial certificates or reserve account numbers, etc. The unfinished transaction history information is, for example, the transaction history information uses installment payments, the transaction history information is in loan repayment, etc. These are merely examples for illustration and are not intended to limit the scope of application of this invention.

Please refer to "Figure 2", which is a schematic diagram of the architecture of online financing evaluation based on historical data of supply chain accounts receivable and payable in this work.

The enterprise client 10 provides the supply chain accounts receivable/payable data 31 to the financing service platform 20. The supply chain accounts receivable/payable data 31 is the payment of accounts by the enterprise identity identification data to the supply chain identity identification data or the collection of accounts by the enterprise identity identification data to the supply chain identity identification data. That is, the supply chain includes the upstream supply chain and the downstream supply chain. The financing service platform 20 receives the supply chain accounts receivable/payable data from the enterprise client 10. After the accounts receivable/payable data 31 is obtained, the data query module 23 queries the corresponding enterprise basic data from the enterprise basic database 21 according to the enterprise identity identification data in the supply chain accounts receivable/payable data 31, and queries the corresponding supply chain identity identification data and unfinished transaction history data from the enterprise transaction database 22 according to the enterprise identity identification data in the supply chain accounts receivable/payable data 31.

Next, the data processing module 24 calculates the difference between the accounts receivable and the accounts payable in the queried unfinished transaction history data and the accounts receivable and the accounts payable in the supply chain accounts receivable/payable data to obtain the difference between the accounts receivable and the accounts payable. Specifically, assuming that the queried unfinished first transaction history data contains the first account receivable and the second account receivable, and the unfinished second transaction history data contains the third account receivable and the first account payable, the unfinished The completed third transaction history data contains the second accounts payable and the third accounts payable. The data processing module 24 can add the first accounts receivable plus the second accounts receivable plus the third accounts receivable minus the first accounts payable minus the second accounts payable minus the third accounts payable and add the accounts receivable minus the accounts payable in the supply chain accounts receivable/accounts payable data to calculate the difference between receipts and payments. This is only an example to illustrate this, and the application scope of this creation is not limited to this.

Next, the financing data evaluation module 25 performs financing analysis and evaluation based on the retrieved enterprise basic data, supply chain identification data, and unfinished transaction history data to generate an initial financing evaluation report, and then adjusts the financing conditions in the initial financing evaluation report based on the difference between receipts and payments to generate a financing evaluation report 32.

Specifically, the financing data evaluation module 25 performs financing analysis and evaluation based on the queried enterprise basic data, supply chain identity identification data and unfinished transaction history data to generate an initial financing evaluation report. The initial financing evaluation report includes the calculation of the financing loan ratio, the calculation of the financing amount, the calculation of the financing loan interest rate, the calculation of the financing penalty rate and the repayment process planning... etc. This is only an example to illustrate, and does not limit the scope of application of this creation. Based on the difference between receipts and payments, the financing conditions in the initial financing evaluation report (i.e., the financing loan ratio, the financing amount, the financing loan interest rate, the financing penalty rate and the repayment process planning) are calculated. ... etc.) to generate a financing assessment report. When the difference between receipts and payments is a positive value, the financing loan ratio can be increased, the financing amount can be increased, the financing loan interest rate can be reduced, and the financing penalty rate can be reduced... etc.; when the difference between receipts and payments is a negative value, the financing loan ratio can be reduced, the financing amount can be reduced, the financing loan interest rate can be increased, and the financing penalty rate can be increased... etc.; when the difference between receipts and payments is zero, the financing loan ratio remains unchanged, the financing amount remains unchanged, the financing loan interest rate remains unchanged, and the financing penalty rate remains unchanged... etc. This is only an example to illustrate, and does not limit the scope of application of this creation.

After the financing data evaluation module 25 generates the financing evaluation report 32, the financing service platform 20 can provide the financing evaluation report 32 to the corporate client 10. After the corporate client 10 obtains the financing evaluation report 32 from the financing service platform 20, it can be displayed to provide the corporate client 10 with a reference for financing evaluation.

Next, the operation process of this creation will be explained below, and please refer to "Figure 3A" and "Figure 3B" at the same time. "Figure 3A" and "Figure 3B" are flowcharts of this creation's online financing evaluation based on the historical data of supply chain accounts receivable and payable.

First, the corporate client establishes a connection with the financing service platform to provide the supply chain accounts receivable/payable data to the financing service platform (step 401); then, the financing service platform pre-establishes a corporate basic database for storing corporate identity identification data and corporate basic data and a corporate transaction database for storing multiple corporate transaction data, each of which includes corporate identity identification data. , supply chain identification data and unfinished transaction history data (step 402); then, the financing service platform searches for the corresponding enterprise basic data from the enterprise basic database based on the enterprise identification data in the supply chain accounts receivable/payable data (step 403); then, the financing service platform searches for the corresponding enterprise basic data from the enterprise transaction database based on the enterprise identification data in the supply chain accounts receivable/payable data The corresponding supply chain identification data and unfinished transaction history data are retrieved (step 404); then, the financing service platform calculates the difference between the accounts receivable minus the accounts payable in all the unfinished transaction history data retrieved and the accounts receivable minus the accounts payable in the supply chain accounts receivable/accounts payable data (step 405); then, the financing service platform calculates the difference between the accounts receivable and the accounts payable based on the retrieved The financing service platform performs financing analysis and evaluation on the basic enterprise data, the queried supply chain identification data, and the unfinished transaction history data to generate an initial financing evaluation report, and then adjusts the financing conditions in the initial financing evaluation report based on the difference between receipts and payments to generate a financing evaluation report (step 406); and the financing service platform provides the financing evaluation report to the enterprise client and displays it (step 407).

The enterprise client 10 and the financing service platform 20 are both different forms of computing devices. Please refer to "Figure 4", which is a schematic diagram of the components of the computing device proposed in this work.

The computing device mentioned in the present invention includes but is not limited to hardware components such as one or more processors 501, one or more memory modules 502, and a bus 503, wherein the bus 503 can connect different hardware components. 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. The computing device also includes a housing 509, and the above-mentioned hardware components are arranged in the housing.

The bus 503 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 a parallel Industrial 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-E) bus, etc.

The processor 501 of the computing device proposed in the present invention is coupled to a bus 503. The processor 501 includes a register group or a register space, which can be completely set on the processing chip, or completely or partially set outside the processing chip and coupled to the processor via a dedicated electrical connection and/or via a bus. The processor 501 can be a 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 processors, the processors included in the computing device are the same or similar, and are coupled and communicated through a bus. The processor 501 can interpret a series of multiple instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to run an operating system or execute various programs, modules, and/or components.

The processor 501 of the computing device can be coupled to the chipset or electrically connected to the chipset through the bus 503. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, that is, the memory controller and the peripheral input/output controller can be included in one integrated circuit, or can be implemented using two or more integrated circuits. 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 processors coupled or electrically connected to the chipset.

The processor 501 of the computing device can also access the data in the memory module 502 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 502 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), flash memory (Flash), read-only memory (ROM), etc. The mass storage area mentioned above may include any type of storage device or storage media, such as a hard drive, an optical disk, a flash memory, a memory card, a 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 processor 501 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 bus 503. 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 wireless local area networks such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication networks such as 3G/4G/5G, or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 501 may 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 components described above.

The modules mentioned in the enterprise client 10 and the financing service platform 20 are usually generated after the processor 501 in the respective computing device executes a specific program loaded into the memory module 502, or are included in the processor 501.

In summary, the corporate client provides the supply chain accounts receivable/payable data to the financing service platform, and the financing service platform inquires about the corresponding basic corporate data, supply chain identity identification data and unfinished transaction history data and calculates the difference between accounts receivable and accounts payable. Based on the inquired basic corporate data, supply chain identity identification data and unfinished transaction history data, the financing analysis and evaluation is performed to generate an initial financing evaluation report. Then, based on the difference between receipts and payments, the financing conditions in the initial financing evaluation report are adjusted to generate a financing evaluation report and provided to the corporate client for display.

This technical means can be used to solve the problem of missing existing financing conditions in previous technologies, thereby achieving the technical effect of online financing evaluation based on the historical data of supply chain accounts receivable and payable.

Although the implementation methods disclosed in this work are as above, the content described is not used to directly limit the scope of patent protection of this work. Anyone with ordinary knowledge in the technical field to which this work belongs can make slight changes in the form and details of implementation without departing from the spirit and scope disclosed in this work. The scope of patent protection of this work shall still be defined by the attached patent application scope.

10: Enterprise client 20: Financing service platform 21: Enterprise basic database 22: Enterprise transaction database 23: Data query module 24: Data processing module 25: Financing data evaluation module 31: Supply chain accounts receivable/payable data 32: Financing evaluation report 401-407: Steps 501: Processor 502: Memory module 503: Bus 509: Housing

FIG. 1 is a system block diagram of the online financing evaluation system based on the historical data of accounts receivable and payable of the supply chain of the present invention. FIG. 2 is a schematic diagram of the architecture of the online financing evaluation based on the historical data of accounts receivable and payable of the supply chain of the present invention. FIG. 3A and FIG. 3B are flow charts of the online financing evaluation based on the historical data of accounts receivable and payable of the supply chain of the present invention. FIG. 4 is a schematic diagram of the components of the computing device proposed in the present invention.

10: Enterprise Client

20: Financing service platform

21: Basic enterprise database

22: Enterprise transaction database

23: Data query module

24: Data processing module

25: Financing data evaluation module

Claims (4)

An online financing evaluation system based on supply chain accounts receivable and payable historical data comprises: an enterprise client, providing supply chain accounts receivable/payable data, receiving a financing evaluation report and displaying it; and a financing service platform, establishing a connection with the enterprise client, receiving the supply chain accounts receivable/payable data from the enterprise client, and providing the financing evaluation report to the enterprise client, the financing service platform further comprising: an enterprise basic database, correspondingly storing an enterprise identity identification data and an enterprise basic data; an enterprise transaction database, storing a plurality of enterprise transaction data, each enterprise transaction data comprising the enterprise identity identification data, a supply chain identity identification data and an unfinished transaction history data; a data query module, when receiving the supply chain accounts receivable/payable data from the enterprise client, queries the corresponding enterprise basic data from the enterprise basic database according to the enterprise identity identification data in the supply chain accounts receivable/payable data, and queries the corresponding supply chain identity identification data and the unfinished transaction history data from the enterprise transaction database according to the enterprise identity identification data in the supply chain accounts receivable/payable data; a data processing module, based on all the accounts receivable minus all the accounts payable in the queried unfinished transaction history data plus the accounts receivable minus the accounts payable in the supply chain accounts receivable/payable data to calculate a collection and payment difference; and A financing data evaluation module performs financing analysis and evaluation based on the queried enterprise basic data, the queried supply chain identification data and the unfinished transaction history data to generate an initial financing evaluation report, and then adjusts the financing conditions in the initial financing evaluation report based on the payment difference to generate the financing evaluation report. An online financing evaluation system based on supply chain accounts receivable and payable historical data as described in claim 1, wherein the corporate client regularly provides the supply chain accounts receivable/payable data to the financing service platform to regularly obtain the financing evaluation report from the financing service platform. An online financing evaluation system based on supply chain accounts receivable and payable historical data as described in claim 1, wherein the financing evaluation report includes calculations of the financing loan ratio, the financing amount, the financing loan interest rate, the financing penalty rate, the mobilization amount, and the repayment process planning. An online financing assessment system based on supply chain accounts receivable and payable historical data as described in claim 1, wherein the enterprise identification data and the supply chain identification data include digital financial certificates and reserve account numbers.

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