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Automatic enterprise transaction credit investigation method and system

A technology for enterprise information and transactions, which is applied in the fields of instruments, finance, and data processing applications, etc. It can solve the problems of enterprise sensitive data leakage and manual credit investigation, and achieve the effect of protecting transaction data security, avoiding leakage, and realizing automatic credit granting

Active Publication Date: 2017-11-21
上海文沥信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The purpose of the present invention is to provide an automatic credit investigation method and system for enterprise transactions, so as to solve the problems of corporate sensitive data leakage and the need for a large number of manual credit investigations in enterprise transaction credit investigations

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  • Automatic enterprise transaction credit investigation method and system
  • Automatic enterprise transaction credit investigation method and system
  • Automatic enterprise transaction credit investigation method and system

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Embodiment Construction

[0032] In the following description, many technical details are proposed in order to enable readers to better understand the application. However, those skilled in the art can understand that the technical solutions claimed in this application can be realized even without these technical details and various changes and modifications based on the following implementation modes.

[0033] In the application documents of this application, some concept explanations and examples:

[0034] ERP, or Enterprise Resource Planning (Enterprise Resource Planning), is an enterprise information management system mainly oriented to the manufacturing industry for the integrated management of material resources, capital resources and information resources.

[0035] The purchase, sale and inventory system is to carry out the whole process of purchase, shipment, wholesale sales, payment, etc. in the production and operation of the enterprise (from the receipt of the order contract, to the purchase...

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Abstract

The invention relates to an enterprise credit investigation technology, and discloses an automatic enterprise transaction credit investigation method and system. The method comprises the following steps of: generating a request and a credit investigation index by a credit investigation system at an enterprise side according to a received credit investigation report, and identifying a brand and a version of an enterprise information management system, wherein the enterprise side is configured with a pre-posed model which comprises a data item and a data processing manner required for calculating the credit investigation index; and extracting data corresponding to the data item from the enterprise information management system by the pre-posed model, calculating a credit investigation result and sending the credit investigation result to a computer system of a financial mechanism so that the computer system of the financial mechanism can complete credit extension according to the credit investigation result. Through the pre-posed model arranged at the enterprise side, the safe and efficient credit investigation and credit extension carried out on enterprises by the financial mechanism are realized.

Description

technical field [0001] The invention relates to the field of credit investigation, in particular to an automatic credit investigation technology for enterprise transactions. Background technique [0002] At present, the method of enterprise credit investigation and credit granting is a solution independently developed by financial institutions or by an external service provider: the enterprise collects transaction data such as invoicing and inventory, and then pushes it to the backstage system of the financial institution. Carry out data processing such as cleaning and conversion of enterprise transaction data, obtain the processed data such as the average sales amount of the enterprise in the last 12 months, inventory turnover rate, etc., and input relevant data into its credit approval system to generate enterprise credit index scores , credit rating, and recommended credit line and other information, even after combining the results of on-site due diligence, the credit re...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/04
CPCG06Q10/0639G06Q40/04
Inventor 肖庆民
Owner 上海文沥信息技术有限公司
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