CN109064323A - Method for processing business and device for financing - Google Patents
Method for processing business and device for financing Download PDFInfo
- Publication number
- CN109064323A CN109064323A CN201810615348.XA CN201810615348A CN109064323A CN 109064323 A CN109064323 A CN 109064323A CN 201810615348 A CN201810615348 A CN 201810615348A CN 109064323 A CN109064323 A CN 109064323A
- Authority
- CN
- China
- Prior art keywords
- user
- fund
- goods
- delivery
- business
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Human Resources & Organizations (AREA)
- Operations Research (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This application discloses a kind of method for processing business and device for financing.This method includes determining the service order of the first user and generating pre-set business to handle agreement;Agreement, which is handled, by the pre-set business establishes payment for goods delivery of funds object;The supply of material, which is generated, according to the payment for goods delivery of funds object delivers object;And it receives the procurement directive of second user and object is delivered according to the supply of material and financing fund is issued to first user by the third user.Present application addresses the more low technical problems of financing application treatment effeciency.The method for processing business of the application is able to carry out delivery of funds, supply of material delivery operation and realizes different types of financing needs so as to issue financing fund to the first user quickly.In addition, the application ensure that the transaction security and actual effect of supply chain by adding black and white lists.
Description
Technical field
This application involves computer software fields, in particular to a kind of method for processing business and dress for financing
It sets.
Background technique
Financing refers to party by various modes to the behavior for raising or borrowing the fund of putting on financial market.
It is asked inventors have found that can occur to sell the long sale of account phase in current financing services often Time to Cash is longer
In addition topic can not pad when limited fund or insufficient funds and buy payment for goods and then can not further contribute to trade.In addition, it is available in stock deposit but
It is the problem that hot money is insufficient, fund utilization rate is lower.
For the more low problem of financing application treatment effeciency in the related technology, effective solution side is not yet proposed at present
Case.
Summary of the invention
The main purpose of the application is to provide a kind of method for processing business for financing, to solve financing application processing
The more low problem of efficiency.
To achieve the goals above, according to the one aspect of the application, a kind of business processing side for financing is provided
Method, for executing business processing operation between the first user and second user, third user, first user is used for conduct
Finance requesting party, and the second user is used to be used as business procurement side, and the third user is used to be used as fund provider.
The service order of the first user is comprised determining that according to the method for processing business for financing of the application and is generated pre-
If business handling agreement;Agreement, which is handled, by the pre-set business establishes payment for goods delivery of funds object;According to the payment for goods fund
It delivers object and generates supply of material delivery object;And it receives the procurement directive of second user and object is delivered according to the supply of material and pass through
The third user issues financing fund to first user.
Further, it is generated according to the payment for goods delivery of funds object after supplying delivery object further include: judge first
Whether user submits commission procurement directive;If it is determined that the first user submits commission procurement directive, it is determined that first user
With default guarantee fund's ratio of fourth user;The order operation instruction of fourth user is received simultaneously according to default guarantee fund's ratio
Object is delivered according to the supply of material, and financing fund is issued to first user by the third user.
Further, it is determined that the service order of the first user and generate pre-set business handle agreement include: receive first use
Family provides the target that pending user identity is proved and disposed;Determine ratio to be refunded and the repayment period of first user
Limit;Receive goods power, order or any or multiple business type requests of receivables financing of user;And according to industry
Service type generates the business handling agreement of default goods power or credits.
Further, really generating the supply of material to deliver object according to the payment for goods delivery of funds object includes: according to the payment for goods
Delivery of funds object determines the delivery ratio of payment for goods fund;The supplement of payment for goods fund is determined according to the payment for goods delivery of funds object
Clearing ratio;The corresponding supply of material, which is generated, according to the ratio of delivery and supplement clearing ratio delivers object.
Further, method for processing business further include: setting second user black and white lists, wherein the second user is used
In as buying service provider;Judge whether the second user meets delivery of cargo condition according to the black and white lists;If according to institute
It states black and white lists and judges that the second user meets delivery of cargo condition, then receive the first preset ratio fund of second user;And
If judging that the second user meets delivery of cargo condition according to the black and white lists, the second preset ratio of second user is received
Fund.
To achieve the goals above, according to the another aspect of the application, a kind of business processing dress for financing is provided
It sets, for executing business processing operation between the first user and second user, third user, first user is used for conduct
Finance requesting party, and the second user is used to be used as business procurement side, and the third user is used to be used as fund provider.
Module is comprised determining that according to the business processing device for financing of the application, for determining the industry of the first user
Business, which instructs and generates pre-set business, handles agreement;Module is established, establishes payment for goods money for handling agreement by the pre-set business
Gold delivers object;Generation module delivers object for generating the supply of material according to the payment for goods delivery of funds object;And issue mould
Block, for receiving the procurement directive of second user and delivering object by the third user to described first according to the supply of material
User issues financing fund.
Further, business processing device further include: procurement module, the procurement module includes: buying unit, for sentencing
Whether disconnected first user submits commission procurement directive;Determination unit, when for judging that the first user submits commission procurement directive, then
Determine default guarantee fund's ratio of first user and fourth user;Issuance unit, for according to default guarantee fund's ratio
Example receive the order operation instruction of fourth user and according to supply of material delivery object by the third user to described first
User issues financing fund.
Further, the module of establishing includes: subscriber unit, provides pending user's body for receiving the first user
Part proves and the target of disposition;Fund unit, for determining ratio to be refunded and the payback period of first user;Business
Unit, for receiving goods power, order or any or multiple business type requests of receivables financing of user;And
First generation unit, for generating the business handling agreement of default goods power or credits according to type of service.
Further, the generation module includes: the first delivery proportional unit, for according to the payment for goods delivery of funds pair
Delivery ratio as determining payment for goods fund;Second delivers proportional unit, for determining goods according to the payment for goods delivery of funds object
The supplement of money fund settles accounts ratio;Second generation unit, for generating corresponding confession according to the ratio of delivery and supplement clearing ratio
Goods delivers object.
Further, business processing device further include: black and white lists module, the black and white lists module include: that setting is single
Member judges whether the second user meets delivery of cargo condition according to the black and white lists;Judging unit, if according to the black and white
List judges that the second user meets delivery of cargo condition, then receives the first preset ratio fund of second user;And first connect
It receives unit and receives the second of second user if judging that the second user meets delivery of cargo condition according to the black and white lists
Preset ratio fund;Second receiving unit, for judging that the second user meets delivery of cargo condition according to the black and white lists, then
Receive the second preset ratio fund of second user.
In the embodiment of the present application, using the service order for determining the first user and the side that pre-set business handles agreement is generated
Formula handles agreement by the pre-set business and establishes payment for goods delivery of funds object, reached according to the payment for goods delivery of funds pair
Pass through described the as generating to supply to deliver object and receive the procurement directive of second user and deliver object according to the supply of material
Three users issue the purpose of financing fund to first user, thus the technical effect realized, and then the technology solved
Problem.In addition, ensure that the transaction security and actual effect of supply chain by adding black and white lists.
Detailed description of the invention
The attached drawing constituted part of this application is used to provide further understanding of the present application, so that the application's is other
Feature, objects and advantages become more apparent upon.The illustrative examples attached drawing and its explanation of the application is for explaining the application, not
Constitute the improper restriction to the application.In the accompanying drawings:
Fig. 1 is the method for processing business schematic diagram for financing according to the application first embodiment;
Fig. 2 is the method for processing business schematic diagram for financing according to the application second embodiment;
Fig. 3 is the method for processing business schematic diagram for financing according to the application 3rd embodiment;
Fig. 4 is the method for processing business schematic diagram for financing according to the application fourth embodiment;
Fig. 5 is the method for processing business schematic diagram for financing according to the 5th embodiment of the application;
Fig. 6 is the business processing device schematic diagram for financing according to the application first embodiment;
Fig. 7 is the business processing device schematic diagram for financing according to the application second embodiment;
Fig. 8 is according to the procurement module schematic diagram in the application Fig. 7;
Fig. 9 is the business processing device schematic diagram for financing according to the application 3rd embodiment;
Figure 10 is the business processing device schematic diagram for financing according to the application fourth embodiment;
Figure 11 is the business processing device schematic diagram for financing according to the 5th embodiment of the application;
Figure 12 is that class financing (downstream purchaser is white list client) schematic illustration is weighed according to the application goods;
Figure 13 is that class financing (downstream purchaser is non-white list client) schematic illustration is weighed according to the application goods;
Figure 14 is that buying class financing (downstream purchaser is white list client) schematic illustration is entrusted according to the application;
Figure 15 is that buying class financing (downstream purchaser is non-white list client) schematic illustration is entrusted according to the application;With
And
Figure 16 is schematic illustration of being financed according to the application account due class.
Specific embodiment
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only
The embodiment of the application a part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people
Member's every other embodiment obtained without making creative work, all should belong to the model of the application protection
It encloses.
It should be noted that the description and claims of this application and term " first " in above-mentioned attached drawing, "
Two " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so as to embodiments herein described herein.In addition, term " includes " and " tool
Have " and their any deformation, it is intended that cover it is non-exclusive include, for example, containing a series of steps or units
Process, method, system, product or equipment those of are not necessarily limited to be clearly listed step or unit, but may include without clear
Other step or units listing to Chu or intrinsic for these process, methods, product or equipment.
The method for processing business for financing in the application according to the service order for determining the first user and generates default
Business handling agreement is further advanced by the pre-set business and handles agreement and establishes payment for goods delivery of funds object and according to described
Payment for goods delivery of funds object generates the supply of material and delivers object.After receiving the procurement directive of second user, delivered according to the supply of material
Object issues financing fund to first user by the third user.
The method for processing business of the application, for being executed at business between the first user and second user, third user
Reason operation, first user are used for as financing requesting party, and the second user is used to be used as business procurement side, the third
User is used to be used as fund provider.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
As shown in Figure 1, this method includes the following steps, namely S102 to step S104:
Step S102 determines the service order of the first user and generates pre-set business and handles agreement;
The service order for being determined as the first user of financing requesting party generates preset business handling agreement later.
Business handling agreement can be the business handling of goods power class financing, commission buying class financing is handled and account due class is melted
Provide business handling.
Determining that type of service rear produces pre-set business and handle agreement, business handling agreement can be procurement agreement,
Sales agreement or supply chain service agreement.
Step S104 handles agreement by the pre-set business and establishes payment for goods delivery of funds object;
Establishing payment for goods delivery of funds object by above-mentioned agreement can be, establish the number of payment for goods delivery of funds object with
And the flow direction of payment for goods fund.
For example, the number of object is delivered in payment for goods are as follows: 3, the flow direction of payment for goods fund is that downstream purchaser flows to fund side, is provided
Jin Fang flows to financier.
Establishing payment for goods delivery of funds object by above-mentioned agreement can be, specific for establishing payment for goods delivery of funds object
Several and payment for goods fund specific flow direction.
For example, it includes: financier, fund side and downstream purchaser that object is delivered in payment for goods when weighing class financing for goods.
The specific flow direction of payment for goods fund is that downstream purchaser flows to fund side, and fund side flows to financier.
For another example, when for commission buying class financing when, payment for goods deliver object include: financier, fund side, supplier and
Downstream purchaser.
The specific flow direction of payment for goods fund is supplier, financier, fund side and downstream purchaser.
Step S106 generates the supply of material according to the payment for goods delivery of funds object and delivers object;
The corresponding supply of material is generated according to payment for goods delivery of funds object and delivers object, can be via supplier, financier, money
Jin Fang and downstream purchaser.
Step S108 receives the procurement directive of second user and passes through the third user according to supply of material delivery object
Financing fund is issued to first user.
If receiving the procurement directive of second user, relevant sale supply and marketing contract is generated.
After the procurement directive for receiving second user then according to the supply of material deliver object by the third user to
First user issues financing fund, and third user delivers object by the above-mentioned supply of material as fund side and issues to the first user
Financing fund.
Preferably, it can judge that object and the goods are delivered in the supply of material by the review mechanism in local or cloud
Whether money delivery of funds object meets preset condition.
It can be seen from the above description that the application realizes following technical effect:
In the embodiment of the present application, using the service order for determining the first user and the side that pre-set business handles agreement is generated
Formula handles agreement by the pre-set business and establishes payment for goods delivery of funds object, reached according to the payment for goods delivery of funds pair
Pass through described the as generating to supply to deliver object and receive the procurement directive of second user and deliver object according to the supply of material
Three users issue the purpose of financing fund to first user, thus the technical effect realized, and then the technology solved
Problem.In addition, ensure that the transaction security and actual effect of supply chain by adding black and white lists.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in Fig. 2, according to the payment for goods delivery of funds
Object generates after supply of material delivery object further include:
Step S202, judges whether the first user submits commission procurement directive;
Judge whether the first user has submitted commission procurement directive, i.e., whether initiates order financing needs.
Step S204, if it is determined that the first user submits commission procurement directive, it is determined that first user uses with the 4th
Default guarantee fund's ratio at family;
If the first user submits commission procurement directive, it is determined that default guarantee fund's ratio of the first user and fourth user
Example.Wherein, fourth user is to as supplier.First user pays the guarantee of related ratio by platform as financier
Jin Hou, platform can be on behalf of the payment for goods to supplier's payment 100%.
Step S206 receives the order operation instruction of fourth user according to default guarantee fund's ratio and according to the confession
Goods delivers object and issues financing fund to first user by the third user.
The order operation instruction of fourth user is received according to the guarantee fund of preset ratio, for example order operation instruction can be
For the supply of material operation of procurement directive.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 3, determining that the business of the first user refers to
It enables and generates pre-set business and handle agreement and include:
Step S302 receives the first user and provides the target that pending user identity is proved and disposed;
The first supply chain user proves for providing pending user identity.
Pending user identity proof can be, if having company or the individual of related service.I.e. user identity needs
If company or individual.
For example, business license, organization mechanism code, Tax Registration Certificate etc..
Pending user identity proof can be, if be the registered members of relationship trading platform.I.e. user identity needs
If member unit or individual.
Pending user identity proof can be, if in financial institution without bad credit record.I.e. user identity needs
If with good credit record.
For example, can be legal representative's reference information table.
For another example, it can be the proof that opens a bank account.
The target that the first supply chain user is used to provide disposition is specifically referred to such as cargo delivery, labor service delivery, project
Deliver etc..
Step S304 determines ratio to be refunded and the payback period of first user;
First user also needs mandatory redemption principal and interest after being financed.Ratio to be refunded is default for platform.Payback period
Usually not less than 60 days.
For example, in 30 days, year interest rate 18%, daily bear interest, it is minimum to bear interest 15 days.
For another example, 31-60 days, year interest rate 20.4%, daily bear interest.
For another example, 61-90 days, year interest rate 24%, daily bear interest.
Step S306 receives goods power, order or any or multiple business type of receivables financing of user
Request;
Receive the request of the goods power, the multiple business type of order or receivables financing of the first supply chain user.
Step S308 generates the business handling agreement of default goods power or credits according to type of service.
Goods power class financing business handling association is generated according to type of service, commission buying class financing handles association and account due class
Finance business handling association.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 4, according to the payment for goods delivery of funds
Object generates supply of material delivery object
Step S402 determines the delivery ratio of payment for goods fund according to the payment for goods delivery of funds object;
Payment for goods delivery of funds object determines that the delivery ratio of payment for goods fund refers to, different payment for goods delivery of funds objects has
The delivery ratio of different different payment for goods funds.The delivery ratio of payment for goods fund is adjustable.For example, usually 20%.
Step S404 determines that the supplement of payment for goods fund settles accounts ratio according to the payment for goods delivery of funds object;
The supplement clearing ratio of payment for goods fund can be determined by payment for goods delivery of funds object, for example determines guarantee fund and tail
The delivery ratio of money.
Step S406 generates the corresponding supply of material according to the ratio of delivery and supplement clearing ratio and delivers object.
It generates the corresponding supply of material by delivering ratio and supplement clearing ratio and delivers object, for example, according to 20% ratio
Object is delivered in the supply of material as supplier and fund side.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 5, method for processing business further include: set
Set second user black and white lists, wherein the second user is used for as buying service provider;
Step S502 judges whether the second user meets delivery of cargo condition according to the black and white lists;
The second user is used for as buying service provider.
Second user black and white lists may include that such as downstream, buying service provider is white list user, and the receipt on account phase can will be answered to count
It calculates to the financing period.
Second user black and white lists may include that such as downstream, buying service provider is non-white list user, then needs account in full to pick up goods
Or it redeems.
Second user black and white lists may include that such as downstream, buying service provider is white list user, and the receipt on account phase can will be answered to count
It calculates to the financing period.
Second user black and white lists may include that such as downstream, buying service provider is non-white list user, then needs account in full to pick up goods
Or it redeems.
Second user black and white lists, which may include that financier's supply of material is sent to white list user, specifies place, white list user
Really after power, 80% payment for goods of financier is paid in advance.
Step S504 receives second if judging that the second user meets delivery of cargo condition according to the black and white lists
The first preset ratio fund of user;And
Judge that second user black and white lists can be, judges whether downstream buying service provider is white list user, if it is
The receipt on account phase can will be answered to calculate to the financing period.
Judge that second user black and white lists can be, judges whether downstream buying service provider is non-white list user, if
It is that non-white list user then needs account in full to pick up goods or redeem.
Judge that second user black and white lists can be, judges whether downstream buying service provider is white list user, if it is
White list user can will answer the receipt on account phase to calculate to the financing period.
Judge that second user black and white lists can be, judges whether downstream buying service provider is non-white list user, if
It is that non-white list user then needs account in full to pick up goods or redeem.
Judge that second user black and white lists can be, judges whether it is white list user.Financier's supply of material is sent to white name
After single user specifies place, white list user really to weigh, 80% payment for goods of financier is paid in advance.
Step S506 receives second if judging that the second user meets delivery of cargo condition according to the black and white lists
The second preset ratio fund of user.
Judge that the second user meets delivery of cargo condition according to the black and white lists, according to delivery of cargo condition reception second user
Preset ratio fund.
For example, the receipt on account phase will be answered to count if judging that the second user meets delivery of cargo condition according to the black and white lists
It calculates to the financing period.
For another example, if judging that the second user meets delivery of cargo condition according to the black and white lists, account in full delivery of cargo or
It redeems.
For another example, if judging that the second user meets delivery of cargo condition, white list user according to the black and white lists
Really after power, 80% payment for goods of financier is paid in advance.
It should be noted that step shown in the flowchart of the accompanying drawings can be in such as a group of computer-executable instructions
It is executed in computer system, although also, logical order is shown in flow charts, and it in some cases, can be with not
The sequence being same as herein executes shown or described step.
According to the embodiment of the present application, additionally provide a kind of for implementing the dress of the above-mentioned method for processing business for financing
It sets, as shown in fig. 6, the device comprises determining that module 10, is done for determining the service order of the first user and generating pre-set business
Manage agreement;Module 20 is established, establishes payment for goods delivery of funds object for handling agreement by the pre-set business;Generation module
30, object is delivered for generating the supply of material according to the payment for goods delivery of funds object;And module 40 is issued, it is used for receiving second
The procurement directive at family simultaneously issues financing fund to first user by the third user according to supply of material delivery object.
It is determined as in the determining module 10 of the embodiment of the present application after the service order of the first user of financing requesting party
Generate preset business handling agreement.
Business handling agreement can be the business handling of goods power class financing, commission buying class financing is handled and account due class is melted
Provide business handling.
Determining that type of service rear produces pre-set business and handle agreement, business handling agreement can be procurement agreement,
Sales agreement or supply chain service agreement.
The establishing of the embodiment of the present application, which establishes payment for goods delivery of funds object by above-mentioned agreement in module 20, can be, and build
The number of vertical payment for goods delivery of funds object and the flow direction of payment for goods fund.
For example, the number of object is delivered in payment for goods are as follows: 3, the flow direction of payment for goods fund is that downstream purchaser flows to fund side, is provided
Jin Fang flows to financier.
Establishing payment for goods delivery of funds object by above-mentioned agreement can be, specific for establishing payment for goods delivery of funds object
Several and payment for goods fund specific flow direction.
For example, it includes: financier, fund side and downstream purchaser that object is delivered in payment for goods when weighing class financing for goods.
The specific flow direction of payment for goods fund is that downstream purchaser flows to fund side, and fund side flows to financier.
For another example, when for commission buying class financing when, payment for goods deliver object include: financier, fund side, supplier and
Downstream purchaser.
The specific flow direction of payment for goods fund is supplier, financier, fund side and downstream purchaser.
The corresponding supply of material is generated according to payment for goods delivery of funds object in the generation module 30 of the embodiment of the present application and delivers object,
It can be via supplier, financier, fund side and downstream purchaser.
Issuing in module 40 if receiving the procurement directive of second user for the embodiment of the present application, generates relevant pin
Sell supply and marketing contract.
After the procurement directive for receiving second user then according to the supply of material deliver object by the third user to
First user issues financing fund, and third user delivers object by the above-mentioned supply of material as fund side and issues to the first user
Financing fund.
Preferably, it can judge that object and the goods are delivered in the supply of material by the review mechanism in local or cloud
Whether money delivery of funds object meets preset condition.
According to the embodiment of the present application, as preferred in the present embodiment, as Figure 7-8, business processing device further include:
Procurement module 50, the procurement module includes: buying unit 501, for judging whether the first user submits commission procurement directive;
Determination unit 502, for judge the first user submit entrust procurement directive when, it is determined that first user and fourth user
Default guarantee fund's ratio;Issuance unit 503, the order operation for receiving fourth user according to default guarantee fund's ratio refer to
It enables and object is delivered according to the supply of material and financing fund is issued to first user by the third user.
Judge whether the first user has submitted commission procurement directive in the buying unit 501 of the embodiment of the present application, i.e., whether
Initiate order financing needs.
If the first user submits commission procurement directive in the determination unit 502 of the embodiment of the present application, it is determined that first uses
Default guarantee fund's ratio at family and fourth user.Wherein, fourth user is to as supplier.First user as financier,
After the guarantee fund for paying related ratio by platform, platform can be on behalf of the payment for goods to supplier's payment 100%.
It is grasped in the issuance unit 503 of the embodiment of the present application according to the order that the guarantee fund of preset ratio receives fourth user
It instructs, for example order operation instruction can be the supply of material operation for procurement directive.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 9, the module 20 of establishing includes: use
Family unit 201 provides the target that pending user identity is proved and disposed for receiving the first user;Fund unit 202 is used
In the ratio to be refunded and payback period that determine first user;Business unit 203, for receive user goods weigh,
Order or any or multiple business type requests of receivables financing;And first generation unit 204, for according to industry
Service type generates the business handling agreement of default goods power or credits.
First supply chain user described in the subscriber unit 201 of the embodiment of the present application is for providing pending user identity
It proves.
Pending user identity proof can be, if having company or the individual of related service.I.e. user identity needs
If company or individual.
For example, business license, organization mechanism code, Tax Registration Certificate etc..
Pending user identity proof can be, if be the registered members of relationship trading platform.I.e. user identity needs
If member unit or individual.
Pending user identity proof can be, if in financial institution without bad credit record.I.e. user identity needs
If with good credit record.
For example, can be legal representative's reference information table.
For another example, it can be the proof that opens a bank account.
The target that the first supply chain user is used to provide disposition is specifically referred to such as cargo delivery, labor service delivery, project
Deliver etc..
The first user also needs mandatory redemption principal and interest after being financed in the fund unit 202 of the embodiment of the present application.To
Refund ratio is default for platform.Payback period is usually not less than 60 days.
For example, in 30 days, year interest rate 18%, daily bear interest, it is minimum to bear interest 15 days.
For another example, 31-60 days, year interest rate 20.4%, daily bear interest.
For another example, 61-90 days, year interest rate 24%, daily bear interest.
Goods power, order or the account due that the first supply chain user is received in the business unit 203 of the embodiment of the present application are melted
The request of the multiple business type of money.
Assisted in first generation unit 204 of the embodiment of the present application according to type of service generation goods power class financing business handling,
Commission buying class financing handles association and account due class financing business handling association.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in Figure 10, the generation module includes:
One delivers proportional unit 301, for determining the delivery ratio of payment for goods fund according to the payment for goods delivery of funds object;Second delivers
Proportional unit 302, for determining that the supplement of payment for goods fund settles accounts ratio according to the payment for goods delivery of funds object;Second generates list
Member 303 delivers object for generating the corresponding supply of material according to the ratio of delivery and supplement clearing ratio.
Payment for goods delivery of funds object determines the delivery of payment for goods fund in the first delivery proportional unit 301 of the embodiment of the present application
Ratio refers to that different payment for goods delivery of funds objects has the delivery ratio of different different payment for goods funds.Payment for goods fund
Delivery ratio is adjustable.For example, usually 20%.
It can determine that payment for goods is provided by payment for goods delivery of funds object in the second delivery proportional unit 302 of the embodiment of the present application
The supplement of gold settles accounts ratio, for example determines the delivery ratio of guarantee fund and remaining fund.
Corresponding confession is generated by delivery ratio and supplement clearing ratio in second generation unit 303 of the embodiment of the present application
Goods delivers object, for example, the ratio according to 20% delivers object as the supply of material of supplier and fund side.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 11, device further include: black and white lists
Module 60, the black and white lists module 60 include: setting unit 601, judge that the second user is according to the black and white lists
It is no to meet delivery of cargo condition;Judging unit 602, if judging that the second user meets delivery of cargo condition according to the black and white lists,
Then receive the first preset ratio fund of second user;And first receiving unit 603, if judged according to the black and white lists
The second user meets delivery of cargo condition, then receives the second preset ratio fund of second user;Second receiving unit 604 is used
In judging that the second user meets delivery of cargo condition according to the black and white lists, then the second preset ratio money of second user is received
?.
Second user described in the setting unit 601 of the embodiment of the present application is used for as buying service provider.
Second user black and white lists may include that such as downstream, buying service provider is white list user, and the receipt on account phase can will be answered to count
It calculates to the financing period.
Second user black and white lists may include that such as downstream, buying service provider is non-white list user, then needs account in full to pick up goods
Or it redeems.
Second user black and white lists may include that such as downstream, buying service provider is white list user, and the receipt on account phase can will be answered to count
It calculates to the financing period.
Second user black and white lists may include that such as downstream, buying service provider is non-white list user, then needs account in full to pick up goods
Or it redeems.
Second user black and white lists, which may include that financier's supply of material is sent to white list user, specifies place, white list user
Really after power, 80% payment for goods of financier is paid in advance.
Judge that second user black and white lists can be in the judging unit 602 of the embodiment of the present application, judges downstream buying clothes
Be engaged in quotient whether be white list user, if it is can will answer the receipt on account phase calculate to financing the period in.
Judge that second user black and white lists can be, judges whether downstream buying service provider is non-white list user, if
It is that non-white list user then needs account in full to pick up goods or redeem.
Judge that second user black and white lists can be, judges whether downstream buying service provider is white list user, if it is
White list user can will answer the receipt on account phase to calculate to the financing period.
Judge that second user black and white lists can be, judges whether downstream buying service provider is non-white list user, if
It is that non-white list user then needs account in full to pick up goods or redeem.
Judge that second user black and white lists can be, judges whether it is white list user.Financier's supply of material is sent to white name
After single user specifies place, white list user really to weigh, 80% payment for goods of financier is paid in advance.
Judge in first receiving unit 603 of the embodiment of the present application, in the second receiving unit 604 according to the black and white lists
The second user meets delivery of cargo condition, according to the preset ratio fund of delivery of cargo condition reception second user.
For example, the receipt on account phase will be answered to count if judging that the second user meets delivery of cargo condition according to the black and white lists
It calculates to the financing period.
For another example, if judging that the second user meets delivery of cargo condition according to the black and white lists, account in full delivery of cargo or
It redeems.
For another example, if judging that the second user meets delivery of cargo condition, white list user according to the black and white lists
Really after power, 80% payment for goods of financier is paid in advance.
It is that class financing schematic illustration is weighed according to the application goods as shown in Figure 12 to Figure 13.
Through " coal purchase order " respectively between downstream purchaser, fund side, financier and financial service device
Execute content information exchange.
Supply of material exchange is executed between downstream purchaser, fund side, financier and financial service device.
By payment payment for goods, returned money and payment downstream purchaser, fund side, financier and financial service device it
Between execute fund exchange.
Goods weighs class financing: financier organizes the supply of material to arrive named port, and transfer goods is weighed to the business processing device for financing,
Financing ratio 80%;About definite time-lag it is domestic sell, if downstream purchaser be white list client, can will answer the receipt on account phase calculate to financing week
In phase, such as downstream purchaser be non-white list client, then need account in full to pick up goods or redeem;After the whole returned money of downstream, for financing
Business processing device is settled accounts with financier.
By taking power plant as an example, goods power class financing includes:
Really weigh mode: goods power.Financing ratio 80% (complete ticket);70% no ticket.Financing period L T.LT.LT 90 days.It protects with power plant and is
Example demonstrate,proves golden ratio 20%.Operable area is mainly five port of Circum-Bohai Sea.
The contract 1 that need to sign (such as melts for the supply chain service agreement between the business processing device and financier of financing
Capital need to separately sign the service agreement of financier and capital not into commodity-circulate) 2, to the coal cooperation agreement (buying) 3 of financier,
To the coal purchase order (sale) of purchaser.Benchmark price determination basis index of correlation price, such as BSPI, CCI.
Specifically, BSPI is Circum-Bohai Sea thermal coal price index, reflects the offshore settlement price of Circum-Bohai Sea harbour thermal coal
The general name of horizontal and fluctuation situation index number system.
Specifically, CCI is the coal day index of Fen Weihe energy publication.
Payment is according to effective goods power under one's name.Disposition trigger condition 1 faces the phase and fails to sell;2, spot price drop range is excessive (super
It crosses 10%);3, financier can not chase after guarantor.Disposal options: disposition goods.
It is that buying class financing schematic illustration is entrusted according to the application as shown in Figure 14 to Figure 15.
Commission buying class financing: i.e. order is financed.Financier pays 20% guarantee fund, the business processing device for financing
It is purchased to designated suppliers full payment;About definite time-lag it is domestic sell, if downstream purchaser be white list client, can will answer the receipt on account phase
Calculating was extremely financed in the period, such as downstream purchaser is non-white list client, then needed account in full delivery of cargo or redemption;Downstream whole returned money
Afterwards, it is settled accounts for the business processing device of financing with financier.
By taking power plant as an example, commission buying class financing includes:
Really weigh mode: goods power.Financing ratio: 80% financing period: < 90 days.Guarantee fund's ratio: 20%
The contract that need to be signed: 1, (such as the supply chain service agreement between the business processing device of financing and financier
Financier need to separately sign the service agreement of financier and capital not into commodity-circulate) 2, to the coal cooperation agreement (buying) of supplier
3, to the coal purchase order (sale) of purchaser.
Benchmark price determines: according to the procurement contract amount of money (market reasonable price).Payment foundation: the receipts of guarantee fund are purchased
It takes.Dispose trigger condition: 1, supplier fails to deliver on time;2, buying Fang Wei is by about connecing goods or payment.Disposal options: it terminates and closes
It is buckled in same, disposition goods, guarantee fund and penalizes loss.
It as shown in figure 16, is schematic illustration of being financed according to the application account due class.
Account due class financing: financier's supply of material, which is sent to white list client, specifies place, and white list client is to for financing
After business processing device net is really weighed, the business processing device net for financing pays 80% payment for goods of financier;Downstream whole returned money
Afterwards, it is settled accounts for the business processing device net of financing with financier.
Really weigh mode: credits.Financing ratio 80% (complete ticket);70% no ticket
It finances the period: < 60 days.Guarantee fund's ratio: 20%
The contract that need to be signed: 1, (such as the supply chain service agreement between the business processing device of financing and financier
Financier need to separately sign the service agreement of financier and capital not into commodity-circulate) 2, to the coal cooperation agreement (buying) of financier
3, to the coal purchase order (sale) of purchaser
Benchmark price determines: according to value of sales contract.Payment foundation: power plant's clearing confirmation (effective credits under one's name).
Dispose trigger condition: the overdue returned money of power plant.Disposal options: it demands or prosecutes to power plant;Financier buys back credits.
Obviously, those skilled in the art should be understood that each module of above-mentioned the application or each step can be with general
Computing device realize that they can be concentrated on a single computing device, or be distributed in multiple computing devices and formed
Network on, optionally, they can be realized with the program code that computing device can perform, it is thus possible to which they are stored
Be performed by computing device in the storage device, perhaps they are fabricated to each integrated circuit modules or by they
In multiple modules or step be fabricated to single integrated circuit module to realize.In this way, the application be not limited to it is any specific
Hardware and software combines.
The foregoing is merely preferred embodiment of the present application, are not intended to limit this application, for the skill of this field
For art personnel, various changes and changes are possible in this application.Within the spirit and principles of this application, made any to repair
Change, equivalent replacement, improvement etc., should be included within the scope of protection of this application.
Claims (10)
1. a kind of method for processing business for financing, which is characterized in that in the first user and second user, third user
Between execute business processing operation, first user be used for as financing requesting party, the second user be used for be used as business
Buying side, the third user are used to be used as fund provider, which comprises
It determines the service order of the first user and generates pre-set business and handle agreement;
Agreement, which is handled, by the pre-set business establishes payment for goods delivery of funds object;
The supply of material, which is generated, according to the payment for goods delivery of funds object delivers object;And
It receives the procurement directive of second user and object is delivered according to the supply of material and used by the third user to described first
Family issues financing fund.
2. method for processing business according to claim 1, which is characterized in that generated according to the payment for goods delivery of funds object
The supply of material is delivered after object further include:
Judge whether the first user submits commission procurement directive;
If it is determined that the first user submits commission procurement directive, it is determined that the default guarantee fund of first user and fourth user
Ratio;
It receives the order operation instruction of fourth user according to default guarantee fund's ratio and object is delivered according to the supply of material and lead to
It crosses the third user and issues financing fund to first user.
3. method for processing business according to claim 1, which is characterized in that determine the service order of the first user and generation
Pre-set business handles agreement
It receives the first user and the target that pending user identity is proved and disposed is provided;
Determine ratio to be refunded and the payback period of first user;
Receive goods power, order or any or multiple business type requests of receivables financing of user;And
The business handling agreement of default goods power or credits is generated according to type of service.
4. method for processing business according to claim 1, which is characterized in that generated according to the payment for goods delivery of funds object
Object is delivered in the supply of material
The delivery ratio of payment for goods fund is determined according to the payment for goods delivery of funds object;
Determine that the supplement of payment for goods fund settles accounts ratio according to the payment for goods delivery of funds object;
The corresponding supply of material, which is generated, according to the ratio of delivery and supplement clearing ratio delivers object.
5. method for processing business according to claim 1, which is characterized in that further include: setting second user black and white lists,
Wherein, the second user is used for as buying service provider;
Judge whether the second user meets delivery of cargo condition according to the black and white lists;
If judging that the second user meets delivery of cargo condition according to the black and white lists, receive second user first is default
Ratio fund;And
If judging that the second user meets delivery of cargo condition according to the black and white lists, receive second user second is default
Ratio fund.
6. a kind of business processing device for financing, which is characterized in that in the first user and second user, third user
Between execute business processing operation, first user be used for as financing requesting party, the second user be used for be used as business
Buying side, the third user are used to be used as fund provider, and described device includes:
Determining module handles agreement for determining the service order of the first user and generating pre-set business;
Module is established, establishes payment for goods delivery of funds object for handling agreement by the pre-set business;
Generation module delivers object for generating the supply of material according to the payment for goods delivery of funds object;And
Module is issued, passes through the third user for receiving the procurement directive of second user and delivering object according to the supply of material
Financing fund is issued to first user.
7. business processing device according to claim 6, which is characterized in that further include: procurement module, the procurement module
Include:
Unit is purchased, for judging whether the first user submits commission procurement directive;
Determination unit, when for judging that the first user submits commission procurement directive, it is determined that first user and fourth user
Default guarantee fund's ratio;
Issuance unit, for receiving the order operation instruction of fourth user according to default guarantee fund's ratio and according to the confession
Goods delivers object and issues financing fund to first user by the third user.
8. business processing device according to claim 6, which is characterized in that the module of establishing includes:
Subscriber unit provides the target that pending user identity is proved and disposed for receiving the first user;
Fund unit, for determining ratio to be refunded and the payback period of first user;
Business unit, for receiving goods power, order or any or multiple business type of receivables financing of user
Request;And
First generation unit, for generating the business handling agreement of default goods power or credits according to type of service.
9. business processing device according to claim 6, which is characterized in that the generation module includes:
First delivers proportional unit, for determining the delivery ratio of payment for goods fund according to the payment for goods delivery of funds object;
Second delivers proportional unit, for determining that the supplement of payment for goods fund settles accounts ratio according to the payment for goods delivery of funds object;
Second generation unit delivers object for generating the corresponding supply of material according to the ratio of delivery and supplement clearing ratio.
10. business processing device according to claim 6, which is characterized in that further include: black and white lists module is described black
White list module includes:
Setting unit judges whether the second user meets delivery of cargo condition according to the black and white lists;
Judging unit receives second user if judging that the second user meets delivery of cargo condition according to the black and white lists
The first preset ratio fund;And
First receiving unit receives second if judging that the second user meets delivery of cargo condition according to the black and white lists
The second preset ratio fund of user;
Second receiving unit then receives second for judging that the second user meets delivery of cargo condition according to the black and white lists
The second preset ratio fund of user.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201810615348.XA CN109064323A (en) | 2018-06-14 | 2018-06-14 | Method for processing business and device for financing |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201810615348.XA CN109064323A (en) | 2018-06-14 | 2018-06-14 | Method for processing business and device for financing |
Publications (1)
Publication Number | Publication Date |
---|---|
CN109064323A true CN109064323A (en) | 2018-12-21 |
Family
ID=64820960
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN201810615348.XA Pending CN109064323A (en) | 2018-06-14 | 2018-06-14 | Method for processing business and device for financing |
Country Status (1)
Country | Link |
---|---|
CN (1) | CN109064323A (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111915271A (en) * | 2020-07-29 | 2020-11-10 | 苏州安特威阀门有限公司 | Purchasing method and system based on data middling station |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101980276A (en) * | 2010-10-25 | 2011-02-23 | 重庆文迅科技股份有限公司 | Fourth-party financial synergy service system and service method thereof |
CN105844515A (en) * | 2016-05-20 | 2016-08-10 | 淄博新商机电子商务有限公司 | Bulk commodity online order financing transaction system |
CN107067291A (en) * | 2017-01-24 | 2017-08-18 | 广州发展集团股份有限公司 | A kind of staple commodities logistics and the credit checking method and system in supply chain management |
-
2018
- 2018-06-14 CN CN201810615348.XA patent/CN109064323A/en active Pending
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101980276A (en) * | 2010-10-25 | 2011-02-23 | 重庆文迅科技股份有限公司 | Fourth-party financial synergy service system and service method thereof |
CN105844515A (en) * | 2016-05-20 | 2016-08-10 | 淄博新商机电子商务有限公司 | Bulk commodity online order financing transaction system |
CN107067291A (en) * | 2017-01-24 | 2017-08-18 | 广州发展集团股份有限公司 | A kind of staple commodities logistics and the credit checking method and system in supply chain management |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111915271A (en) * | 2020-07-29 | 2020-11-10 | 苏州安特威阀门有限公司 | Purchasing method and system based on data middling station |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US5897621A (en) | System and method for multi-currency transactions | |
US7502749B2 (en) | Method and system for making a monetary gift | |
KR100432430B1 (en) | Electronic Stock Used Electronic Payment System, And That Method | |
US20020087469A1 (en) | Technique of registration for and direction of electronic payments in real-time | |
US20070038523A1 (en) | System and method for transactional hedging | |
US20130041773A1 (en) | Systems and methods to process online monetary payments dependent on conditional triggers involving future events | |
CN106779562A (en) | It is a kind of that purchasing system and method are acted on behalf of based on transaction platform | |
KR101791470B1 (en) | Method of transaction for supplier's account receivable | |
CN103020816A (en) | Online virtual currency third-party credit method and data processing system thereof | |
CN101122986A (en) | Method and system for implementing debit and credit by network | |
CN102982452A (en) | Payment method based on socializing platform | |
US8100332B2 (en) | Payments using pre-paid accounts | |
WO2008094904A1 (en) | Cross-border remittance | |
CN110659992A (en) | Heavy metal transaction data processing method and device based on block chain | |
WO2011046469A1 (en) | Automated system for conducting transactions | |
CN101515351A (en) | Delay paying method and payment system | |
CN109034998A (en) | Financial service processing method and processing device | |
US8245939B2 (en) | Investing funds from pre-paid payment accounts | |
CN109064323A (en) | Method for processing business and device for financing | |
KR19990084123A (en) | Operation of an integrated logistics company that provides finance, logistics and information by conducting and acquiring sales and purchasing activities of member companies through an Internet electronic store. | |
KR101934265B1 (en) | The operation management system of composition for order draft security loan product of small and medium suppliers | |
CN109034529A (en) | Assets disposition method and device, server for supply chain | |
KR100729965B1 (en) | Purchasing cash card settlement method | |
CN110580620A (en) | Chemical field B2B-based online payment account layering method | |
US7930235B2 (en) | Agency payment system |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
PB01 | Publication | ||
PB01 | Publication | ||
SE01 | Entry into force of request for substantive examination | ||
SE01 | Entry into force of request for substantive examination | ||
TA01 | Transfer of patent application right | ||
TA01 | Transfer of patent application right |
Effective date of registration: 20200407 Address after: 200135 first floor, building 9, No. 958, Lingshan Road, Pudong New Area, Shanghai Applicant after: Xi'an jiejintong Information Technology Co., Ltd Address before: Room 8-3, 8-4 and 8-5 of Building 677, 685 and 687, Changxing Road, Jiangbei District, Ningbo City, Zhejiang Province, 315033 Applicant before: ZHEJIANG JIEMAOTONG ELECTRONIC COMMERCE Co.,Ltd. |
|
RJ01 | Rejection of invention patent application after publication | ||
RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181221 |