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E-commerce oriented online credit method and system

A technology of e-commerce and credit, applied in the field of financial credit, can solve problems such as credit technology not meeting needs, high risk, and low efficiency

Inactive Publication Date: 2017-09-29
HANGZHOU PINGPONG INTELLIGENT TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the present invention is to provide an online credit method and system for e-commerce to solve the problems that the existing credit technology cannot meet the needs, high risk and low efficiency

Method used

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  • E-commerce oriented online credit method and system
  • E-commerce oriented online credit method and system
  • E-commerce oriented online credit method and system

Examples

Experimental program
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Effect test

Embodiment 1

[0077] This embodiment provides an online credit method for e-commerce. The online credit method is especially suitable for loan applications for small and short-term loans with a limit of less than 1 million and a loan period within half a year. When using this method for credit application processing, if figure 1 As shown, it specifically includes the following steps:

[0078] S1: Receive a loan application from the client, the loan application carries the identity information of the borrower, the loan period and the expected loan amount;

[0079] S2: According to the identity information in the loan application, obtain the store information and historical sales information of all stores under the name of the borrower corresponding to the loan application from each e-commerce platform;

[0080] S3: Evaluate the repayment risk of the loan application according to the store information and historical sales information, obtain the evaluation result, and determine whether the l...

Embodiment 2

[0133] This embodiment is different from Embodiment 1 except for the following content, and the rest of the content is the same as that of Embodiment 1, and the same part of the content will not be repeated. The differences of this embodiment will be described in detail below, specifically as follows:

[0134] In this embodiment, the method for assessing the payment return risk in the above step S3 is different from the method in the above-mentioned preferred embodiment, and the process of the payment return risk assessment in this embodiment specifically includes the following two steps:

[0135] A. Calculate the repayment factor ε based on the store opening time, sales growth rate and cumulative sales obtained from the above store information:

[0136]

[0137] Among them, T is the opening time of the store, T th1 is the first preset time threshold, is the sales growth rate, is the sales growth rate threshold, V is the cumulative sales, V th is the cumulative sales t...

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Abstract

The invention provides an e-commerce oriented online credit method and system. The method comprises the following steps: S1, the credit system receives a credit application from a client, wherein the credit application carries identity information of a credit receiver, credit deadline and desired credit ceiling; S2, the credit system acquires store information and historic sale information of all stores under the name of the credit receiver corresponding to the credit application from each e-commerce platform according to the identity information in the credit application; S3, the credit system performs money return risk evaluation on the credit application according to the store information and the historic sale information to obtain an evaluation result, and determines whether to loan according to the evaluation result, if so, step S4 is executed, otherwise, the credit system exits; S4, according to the evaluation result, the credit ceiling of loaning to the credit application is calculated; and S5, the credit ceiling is fed back to the client, and a loaning operation is carried out after an acknowledgment instruction of the client is received. The system and the method have the characteristics of light assets, no pledge, high efficiency and automatic processing.

Description

technical field [0001] The invention relates to the technical field of financial credit, in particular to an online credit method and system for e-commerce. Background technique [0002] In recent years, the rapid development of my country's e-commerce has achieved remarkable results and maintained a rapid growth momentum. Many small and medium-sized enterprises have used the e-commerce model to develop market channels and increase corporate sales. In 2014, my country's e-commerce service companies directly employed more than 2.5 million people. The number of jobs indirectly driven by e-commerce has exceeded 20 million. By 2015, the scale of direct employees of e-commerce service enterprises will reach 2.65 million. The e-commerce industry has increasingly become an important engine that stimulates my country's consumer demand, promotes the upgrading of traditional industries, and develops modern service industries. [0003] Compared with traditional industries, e-commerc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00G06Q30/06G06Q40/02
CPCG06Q30/018G06Q30/0601G06Q40/03
Inventor 熊伟陈鹏陈宇汪宁芦帅刘晓瑞
Owner HANGZHOU PINGPONG INTELLIGENT TECH CO LTD
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