Automatic credit investigation method and system for enterprise transactions

An enterprise information and enterprise technology, applied in the field of enterprise transaction automatic credit reporting, can solve the problem of enterprise sensitive data leakage and manual credit reporting, and achieve the effect of protecting transaction data security, efficient and accurate automatic credit granting, and avoiding sensitive data leakage.

Active Publication Date: 2021-06-01
上海文沥信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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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 credit investigation method and system for enterprise transactions
  • Automatic credit investigation method and system for enterprise transactions
  • Automatic credit investigation method and system for enterprise transactions

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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 enterprise credit investigation technology, and discloses an automatic credit investigation method and system for enterprise transactions. The credit investigation system on the enterprise side generates requests and credit indicators based on the received credit investigation reports, identifies the brand and version of the enterprise information management system, and configures a pre-model on the enterprise side. Data items and data processing methods. The pre-model extracts the data corresponding to the data items from the enterprise information management system and calculates the credit investigation results, and sends the credit investigation results to the computer system of the financial institution for the financial institution's computer system to complete credit according to the credit investigation results. Through the front-end model set on the enterprise side, the safe and efficient credit investigation and credit granting of financial institutions to enterprises can be 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...

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Application Information

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Patent Type & Authority Patents(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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