A data processing method, device and equipment based on letter of credit

Abstract

The embodiments of the present invention relate to the field of data processing technology and disclose a data processing method, apparatus, and device based on letters of credit. The data processing method includes: a public credit system receives a letter of credit pool financing application submitted by a prospective financing client, and based on the letter of credit pool financing application, queries an international settlement system for a judgment result on whether the prospective financing client meets the conditions for entering the letter of credit pool to handle financing business; if the judgment result is that the conditions are met, the public credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application; the public credit system calls the financing limit corresponding to the prospective financing client in the international settlement system based on the target financing business; the public credit system verifies the financing limit and initiates a financing process to a user interaction unit based on the financing limit and the target financing business. This application achieves the technical effect of improving the processing efficiency and processing diversity of the financing business processing method.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of data processing technology, and in particular to a data processing method, device and equipment based on a letter of credit. Background Art

[0002] A letter of credit is a written document issued by a bank to a seller at the buyer's request, guaranteeing payment for goods. Within the letter of credit, the bank authorizes the seller to issue a draft in an amount not exceeding the specified amount, accompanied by shipping documents as required, to the bank or a designated bank, subject to the conditions stipulated in the letter of credit. Existing trade financing typically involves a customer applying for credit, establishing a trade financing line, and then either: 1) using the customer's trade financing line to initiate a contract for a single product, providing collateral, a security deposit, or 2) using the customer's trade financing line to sign a trade financing line contract, plan different financing products, and, when disbursing loans, select specific products, providing collateral, a security deposit, and other security measures.

[0003] In the existing data processing method for financing business, since there is no use of letter of credit as a guarantee certificate for financing business, the processing method for financing business is single and inefficient. Summary of the Invention

[0004] The embodiments of the present invention provide a data processing method, device and equipment based on a letter of credit, which solves the technical problem that the processing method of trade financing business in the prior art is relatively simple and inefficient.

[0005] In a first aspect, an embodiment of the present invention provides a data processing method based on a letter of credit, the data processing method comprising:

[0006] The corporate credit system receives a letter of credit pool financing application from a prospective financing client and, based on the letter of credit pool financing application, queries the international settlement system for a determination of whether the prospective financing client meets the conditions for entering the letter of credit pool for financing services. The letter of credit pool refers to a module that stores and uses the stored letters of credit for financial services.

[0007] If the judgment result is that the processing conditions are met, the corporate credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application;

[0008] The corporate credit system calls the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business;

[0009] The corporate credit system verifies the financing limit and initiates a financing process to a user interaction unit based on the financing limit and the target financing business.

[0010] In a second aspect, an embodiment of the present invention further provides a data processing device based on a letter of credit, the data processing device comprising an international settlement system, a letter of credit pool, a public credit system, and a user interaction unit;

[0011] The international settlement system is used to obtain letter of credit information of a prospective financing customer, and based on the letter of credit information, determine whether the prospective financing customer meets the conditions for entering the letter of credit pool to handle financing business, and generate a judgment result, wherein the letter of credit pool refers to a module that stores and calls its stored letters of credit for financial business services;

[0012] The international settlement system is further configured to change the business status of the client to be financed to a status of entering the letter of credit pool if the judgment result is compliance, and calculate the financing limit of the client to be financed based on the letter of credit information;

[0013] The corporate credit system is configured to receive a letter of credit pool financing application submitted by the intended financing client, and based on the letter of credit pool financing application, query the international settlement system for a judgment result on whether the intended financing client meets the conditions for entering the letter of credit pool to handle financing business; if the judgment result is that the client meets the conditions, then establishing a target financing business in the letter of credit pool based on the letter of credit pool financing application;

[0014] The corporate credit system is further configured to call the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business, verify the financing limit, and initiate a financing process to the user interaction unit based on the financing limit and the target financing business;

[0015] The user interaction unit is used to realize the communication connection between the international settlement system and the corporate credit system, and is used to receive control instructions from business personnel to complete the financing process.

[0016] In a third aspect, an embodiment of the present invention further provides a data processing device based on a letter of credit, the data processing device based on a letter of credit comprising:

[0017] one or more processors;

[0018] a storage device for storing one or more programs;

[0019] When the one or more programs are executed by the one or more processors, the one or more processors implement any data processing method based on a letter of credit as described in the first aspect of the embodiment of the present invention.

[0020] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements any data processing method based on a letter of credit as described in the first aspect of the embodiment of the present invention.

[0021] In a fifth aspect, an embodiment of the present invention further provides a computer program product, comprising a computer program, which, when executed by a processor, implements any data processing method based on a letter of credit as described in the first aspect of the embodiment of the present invention.

[0022] The embodiment of the present invention discloses a data processing method, device and equipment based on letters of credit. The data processing method includes: a public credit system receives a letter of credit pool financing application submitted by a prospective financing customer, and based on the letter of credit pool financing application, queries the international settlement system for a judgment result on whether the prospective financing customer meets the conditions for entering the letter of credit pool to handle financing business; if the judgment result is that the conditions are met, the public credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application; the public credit system calls the financing limit corresponding to the prospective financing customer in the international settlement system based on the target financing business; the public credit system verifies the financing limit, and initiates a financing process to the user interaction unit based on the financing limit and the target financing business. This application solves the technical problem that the processing method of trade financing business in the existing technology is relatively simple and inefficient by directly using letters of credit for financing, and achieves the technical effect of improving the processing efficiency and processing diversity of the financing business processing method. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 This is a flow chart of a data processing method based on a letter of credit provided by an embodiment of the present invention;

[0024] Figure 2 is a flow chart of another data processing method based on a letter of credit provided by an embodiment of the present invention;

[0025] Figure 3 This is a flow chart of another method for processing data based on a letter of credit provided by an embodiment of the present invention;

[0026] Figure 4 This is a flow chart of another method for processing data based on a letter of credit provided by an embodiment of the present invention;

[0027] Figure 5 This is a structural diagram of a data processing device based on a letter of credit provided by an embodiment of the present invention;

[0028] Figure 6 A schematic structural diagram of a data processing device based on a letter of credit provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0029] The present invention will be further described in detail below with reference to the accompanying drawings and examples. It will be understood that the specific embodiments described herein are intended only to illustrate the present invention and are not intended to limit the present invention. It should also be noted that, for ease of description, the accompanying drawings only illustrate portions relevant to the present invention, not all structures.

[0030] It should be noted that the terms "first," "second," and so on, in the specification, claims, and drawings of the present invention are used to distinguish different objects, and are not intended to limit a specific order. The following embodiments of the present invention can be implemented independently or in combination with each other, and the present invention does not impose specific limitations on this.

[0031] Figure 1 This is a flow chart of a data processing method based on a letter of credit, provided in an embodiment of the present invention. This data processing method based on a letter of credit is applicable to all business scenarios requiring trade financing. This data processing method based on a letter of credit can be executed by a data processing device based on a letter of credit. This device can be implemented using hardware and / or software and is generally integrated into a server. The acquisition, storage, use, and processing of data in this technical solution comply with relevant national laws and regulations.

[0032] like Figure 1 As shown, the data processing method based on letter of credit specifically includes the following steps:

[0033] S101, the corporate credit system receives a letter of credit pool financing application submitted by a prospective financing client, and based on the letter of credit pool financing application, queries the international settlement system for a judgment result on whether the prospective financing client meets the conditions for entering the letter of credit pool to handle financing business. The letter of credit pool refers to a module that stores and calls its stored letters of credit for financial business services.

[0034] S102: If the result of the judgment is that the processing conditions are met, the corporate credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application.

[0035] Specifically, a business application module is provided in the corporate credit system. In order to meet the business needs of prospective financing customers to use letters of credit for financing, business features can be added to the business application module. When the corporate credit system receives a letter of credit pool financing business application submitted by a prospective financing customer, it will first query the international settlement system to determine whether the prospective financing customer meets the conditions for entering the letter of credit pool to handle financing business. If the judgment result is that the conditions for entering the letter of credit pool to handle financing business are not met, the corporate credit system will return a prompt message "Does not meet the conditions for handling" to the prospective financing customer. If the judgment result is that the conditions for entering the letter of credit pool to handle financing business are met, the letter of credit pool business will be "checked" in the business application module. If there is a matching letter of credit business in the letter of credit pool, the corporate credit system will display the letter of credit pool business details after checking, and will also display the business requirements that need to be met for handling the letter of credit pool business, and establish a target financing business in it; if there is no corresponding letter of credit business in the letter of credit pool, the corporate credit system will prompt "No matching letter of credit business in the letter of credit pool".

[0036] Among them, the letter of credit pool is a pre-set module that uses letters of credit to provide financial business services. This module can be set up in the international settlement system or set up separately as needed and communicated with the international settlement system.

[0037] S103, the corporate credit system calls the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business.

[0038] S104: The corporate credit system verifies the financing limit and initiates a financing process to the user interaction unit based on the financing limit and the target financing business.

[0039] Specifically, after establishing the target financing business, the corporate credit system calls the corresponding financing limit of the intended financing customer from the international settlement system based on the target financing business, and then verifies the financing limit based on the rule that the financing principal + financing interest + financing fee <= min [the financing limit determined by the financial institution limit of the letter of credit]. If the verification fails, it will prompt "Failed to pass the letter of credit pool limit verification, please check the reason and re-initiate the business". If the verification is successful, the user will be interacted with based on the credit quality of the specific financing products under the letter of credit pool, but the financing process is initiated.

[0040] Typically, after a financing process is initiated in the user interaction unit, the business personnel handling financing business for the intended financing customer executes the financing process through the user interaction unit, thereby realizing the process of handling financing business based on letters of credit.

[0041] This application uses letters of credit directly for financing, so that during the financing process, the financing limit of the customer to be financed is not automatically occupied, but the limit of the letter of credit accepting bank is occupied, which solves the technical problem that the processing method of trade financing business in the existing technology is relatively single and inefficient. The maturity collection right of the letter of credit determined in the letter of credit pool is used as a guarantee for the repayment source, thereby achieving the technical effect of improving the processing efficiency and processing diversity of the financing business processing method.

[0042] On the basis of the above technical solutions, Figure 2 is a flow chart of another data processing method based on a letter of credit provided by an embodiment of the present invention. Figure 2 As shown, before the public credit system queries the international settlement system for a judgment result on whether the intended financing customer meets the conditions for entering the letter of credit pool to handle financing business in S101, the data processing method based on the letter of credit also includes:

[0043] S201, the international settlement system obtains the letter of credit information of the intended financing customer, and based on the letter of credit information, determines whether the intended financing customer meets the conditions for entering the letter of credit pool to handle financing business, and generates a judgment result.

[0044] Specifically, a letter of credit pool business module is set up in the international settlement system. When the letter of credit pool business module receives an application for letter of credit entry into the pool, it will correspondingly obtain the letter of credit information of the customer to be financed, and based on the letter of credit information, query the letter of credit that meets the entry requirements and further confirm the detailed conditions, that is, confirm whether the letter of credit meets the conditions for entering the letter of credit pool to handle financing business, so as to further verify the financing qualifications of the customer to be financed.

[0045] S202: If the judgment result is compliance, the international settlement system will change the business status of the customer to be financed to the status of entering the letter of credit pool, and calculate the financing limit of the customer to be financed based on the letter of credit information.

[0046] Specifically, after confirming that the customer to be financed meets the conditions for entering the letter of credit pool to handle financing business, the international settlement system will check the business status of the customer to be financed as "pool entry", that is, the status of entering the letter of credit pool, and then calculate the financing limit that the customer to be financed can obtain through the letter of credit based on the letter of credit limit in the letter of credit information.

[0047] Optionally, the international settlement system calculates the financing limit of the customer to be financed based on the letter of credit information, including: the international settlement system obtains the financial institution limit of the letter of credit corresponding to the letter of credit information, and determines the financing limit based on the sum of the financing principal, financing interest and financing fees being less than or equal to the financial institution limit of the letter of credit, wherein the financing limit is less than or equal to the financing principal.

[0048] Specifically, the calculation of the financing limit needs to meet the following rules: financing principal + financing interest + financing fees <= min [the financing limit determined by the financial institution limit of the letter of credit], where the financing limit determined by the financial institution limit of the letter of credit can be the sum of the available amounts of the international settlement system based on the business details selected by the business personnel or the financial institution limit of the issuing bank / confirming bank of the letter of credit.

[0049] On the basis of the above technical solutions, Figure 3 This is a flow chart of another method for processing data based on a letter of credit provided by an embodiment of the present invention. Figure 3 As shown, after the corporate credit system initiates the financing process to the user interaction unit in S104, the data processing method based on the letter of credit further includes:

[0050] S301, the user interaction unit executes the financing process.

[0051] Specifically, the user interaction unit is configured with business operators of the letter of credit pool with different permissions. After the financing process is initiated by the user exchange unit, the business personnel can execute the financing process through the user exchange unit, for example, execute the credit approval process, qualification verification process and other financing business processes through the user exchange unit.

[0052] S302: After the user interaction unit completes the financing process, the corporate credit system changes the business status of the target financing business in the letter of credit pool to funded.

[0053] Specifically, after the business personnel complete the financing process through the user exchange unit, the corporate credit system modifies the business status of the target financing business in the letter of credit pool to "financed" to mark the progress of the target financing business.

[0054] On the basis of the above technical solutions, Figure 4 This is a flow chart of another method for processing data based on a letter of credit provided by an embodiment of the present invention. Figure 4 As shown, S201 specifically includes:

[0055] S401, the international settlement system obtains the letter of credit information of the customer to be financed, wherein the letter of credit information includes one of the following: letter of credit acceptance business number, letter of credit maturity payment confirmation number, name information of the customer to be financed, and number information of the customer to be financed.

[0056] S402: Based on the letter of credit information, the letter of credit pool is searched to see whether the letter of credit of the client to be financed meets one or more of the following conditions:

[0057] The beneficiary of the letter of credit is the intended financing customer; the issuing bank or confirming bank of the letter of credit is a pre-designated bank, or another bank with a financial institution credit line at the pre-designated bank; the pre-designated bank is the advising bank, presenting bank, or designated negotiating bank of the letter of credit; the issuing bank / confirming bank of the letter of credit has accepted or confirmed payment upon maturity;

[0058] Specifically, the international settlement system can obtain the letter of credit information of the intended financing customer and, based on the letter of credit information, query the letter of credit pool to see whether the letter of credit under the intended financing customer meets pre-set conditions. The pre-set conditions mainly include that the issuing bank or confirming bank of the letter of credit is a preset designated bank, or another bank with a financial institution credit line at the preset designated bank; the preset designated bank is the notifying bank, presenting bank, or designated negotiating bank of the letter of credit; and the issuing bank / confirming bank of the letter of credit has accepted or confirmed payment on maturity. The preset designated bank can be the intended financing bank, a branch of the intended financing bank, or another bank with a financial institution credit line at the intended financing bank.

[0059] S403: If the conditions are met, the client seeking financing meets the conditions for entering the letter of credit pool to handle financing business.

[0060] Specifically, if the query result of the international settlement system is that the customer to be financed meets the conditions for entering the letter of credit pool to handle financing business, the business status of the customer to be financed will be checked as "entering the pool", that is, the status of entering the letter of credit pool to handle financing business.

[0061] On the basis of the above technical solutions, after the S403 international settlement system confirms that the customer to be financed meets the conditions for entering the letter of credit pool to handle financing business, the data processing method based on the letter of credit also includes: the user interaction unit conducts a secondary review of whether the customer to be financed meets the conditions for entering the letter of credit pool to handle financing business.

[0062] Specifically, after the international settlement system confirms that the intended financing client meets the conditions for entering the letter of credit pool for financing and selects the client's business status as "pool entry," the international settlement system will also submit relevant information to the user interaction unit. Business personnel with corresponding permissions in the user interaction unit will conduct a secondary review of whether the intended financing client meets the conditions for entering the letter of credit pool for financing, i.e., a review. If the review is passed, the business personnel will perform the corresponding confirmation operation in the user interaction unit, and the "pool entry" operation will be successful.

[0063] Based on the above technical solutions, when the letter of credit of the customer to be financed completes the corresponding financing process and the financing amount is redeemed, the data processing method also includes: the international settlement system changes the business status of the customer to be financed to a state of exiting the letter of credit pool.

[0064] Specifically, the international settlement system can also perform an "out-pool" operation. That is, once a client's letter of credit (LC) completes the corresponding financing process and the financing amount is redeemed, the international settlement system can automatically initiate an "out-pool" operation, changing the client's business status to "out of the LC pool." After exiting the pool, the client's business status changes to "out of the pool," and a reverse transfer notification message is displayed, along with the "Notice of Reverse Transfer of Receivables from the LC Pool."

[0065] Based on the above technical solutions, when the letter of credit of the customer to be financed completes the corresponding financing process and the financing amount is redeemed, the data processing method also includes: the user interaction unit changes the business status of the customer to be financed to a state of exiting the letter of credit pool.

[0066] Specifically, in addition to the automatic "out-pool" process executed by the international settlement system, manual "out-pool" operations can also be performed through the user interaction unit. Specifically, business personnel can complete the corresponding manual "out-pool" action by checking the option to exit the letter of credit pool through the user interaction unit.

[0067] Based on the above technical solutions, before the user interaction unit changes the business status of the customer to be financed to the state of exiting the letter of credit pool, the data processing method based on the letter of credit also includes: the user interaction unit reviews the qualifications of the customer to be financed to exit the letter of credit pool and handle financing business.

[0068] Specifically, similar to the secondary review and examination for "entering the pool", when the financing client is performing the "exiting the pool" operation, the international settlement system will also initiate a secondary review and examination request to the user interaction unit. After receiving the request, the user interaction unit will conduct a secondary review and examination of the information submitted by the client through the user interaction unit, and perform the corresponding confirmation operation in the user interaction unit after the review is passed, and the "exiting the pool" operation will be successful.

[0069] It should be noted that in addition to being able to conduct a secondary review of the "entry into the pool" and "exit from the pool" of customers to be financed, the user interaction unit can also issue reminders regarding letter of credit limits. For example, if a letter of credit in the letter of credit pool has been financed, the letter of credit single business and pool-related information will be updated, and relevant information will be pushed to the business personnel in charge: "Letter of credit No. xx, the payment due date is extended / accepted / the amount of payment confirmation at maturity is reduced, please contact the customer to repay the financing"; if a letter of credit in the letter of credit pool has not been financed, the letter of credit pool-related information will be updated, and relevant information will be pushed to the business personnel in charge: "Letter of credit No. xx, the payment due date is extended / accepted / the amount of payment confirmation at maturity is reduced, the letter of credit pool information has been updated, please pay attention."

[0070] In addition, the user interaction unit can also be used by business personnel to manage the letter of credit pool, including displaying the letter of credit pool and business details of the collection bank / limit setting bank.

[0071] When the financing process is completed and the loan is issued, the user interaction unit can also automatically connect to the "Uniform Registration and Publicity System for Movable Property Financing" of the Bank Credit Information Center to register the transfer of movable property. When the handling bank successfully registers, the user interaction unit will change the business status to "Financed / Registered"; if the registration is successful or not, the business status will be changed to "Financed / Unregistered".

[0072] Figure 5 This is a structural diagram of a data processing device based on a letter of credit provided by an embodiment of the present invention. Figure 5 As shown, the data processing device based on letter of credit includes an international settlement system 51, a letter of credit pool 52, a public credit system 53 and a user interaction unit 55;

[0073] The international settlement system 51 is used to obtain the letter of credit information of the client to be financed, and based on the letter of credit information, determine whether the client to be financed meets the conditions for entering the letter of credit pool 52 for financing business, and generate a judgment result. The letter of credit pool 52 is a module that stores and uses the stored letters of credit for financial business services.

[0074] The international settlement system 51 is further configured to change the business status of the client to be financed to a status of entering the letter of credit pool 52 if the judgment result is in compliance, and calculate the financing limit of the client to be financed based on the letter of credit information;

[0075] The corporate credit system 53 is used to receive letter of credit pool financing applications from prospective financing clients and, based on the letter of credit pool financing applications, query the international settlement system 51 to determine whether the prospective financing client meets the requirements for entering the letter of credit pool for financing. If the determination is positive, the system then establishes a target financing business in the letter of credit pool 52 based on the letter of credit pool financing application.

[0076] The corporate credit system 53 is further configured to call the financing limit corresponding to the intended financing customer in the international settlement system 51 based on the target financing business, verify the financing limit, and initiate a financing process to the user interaction unit 55 based on the financing limit and the target financing business;

[0077] The user interaction unit 55 is used to realize the communication connection between the international settlement system 51 and the corporate credit system 53, and is used to receive control instructions from business personnel to complete the financing process.

[0078] Optionally, after the corporate credit system 53 initiates the financing process to the user interaction unit 55 , the user interaction unit 55 is further configured to execute the financing process;

[0079] After the user interaction unit 55 completes the financing process, the corporate credit system 53 is further configured to modify the business status of the target financing business in the letter of credit pool 52 to funded.

[0080] Optionally, the international settlement system 51 is specifically used to: obtain the letter of credit information of the customer to be financed, wherein the letter of credit information includes one of the following: letter of credit acceptance business number, letter of credit maturity payment confirmation number, name information of the customer to be financed, and number information of the customer to be financed; based on the letter of credit information, query the letter of credit pool 52 to determine whether the letter of credit of the customer to be financed meets one or more of the following conditions: the beneficiary of the letter of credit is the customer to be financed; the issuing bank or confirming bank of the letter of credit is a preset designated bank, or other bank with a financial institution credit line at the preset designated bank; the preset designated bank is the notifying bank, presenting bank or designated negotiating bank of the letter of credit; the issuing bank / confirming bank of the letter of credit has accepted or confirmed the payment at maturity; if so, the customer to be financed meets the conditions for entering the letter of credit pool 52 to handle financing business.

[0081] Optionally, after the international settlement system 51 confirms that the client to be financed meets the conditions for entering the letter of credit pool 52 to handle financing business, the user interaction unit 55 is also used to conduct a secondary review of whether the client to be financed meets the conditions for entering the letter of credit pool 52 to handle financing business.

[0082] Optionally, when the letter of credit of the customer to be financed completes the corresponding financing process and the financing amount is redeemed, the international settlement system 51 is also used to change the business status of the customer to be financed to a state of exiting the letter of credit pool 52.

[0083] Optionally, when the letter of credit of the client to be financed completes the corresponding financing process and the financing amount is redeemed, the user interaction unit 55 changes the business status of the client to be financed to a state of exiting the letter of credit pool 52.

[0084] Optionally, before the user interaction unit 55 changes the business status of the client to be financed to the state of exiting the letter of credit pool 52, the user interaction unit 55 is further configured to review the eligibility of the client to be financed to exit the letter of credit pool 52 and handle financing business.

[0085] Optionally, the international settlement system 51 calculates the financing limit of the customer to be financed based on the letter of credit information, including: the international settlement system 51 obtains the financial institution limit of the letter of credit corresponding to the letter of credit information, and determines the financing limit based on the sum of the financing principal, financing interest and financing fees being less than or equal to the financial institution limit of the letter of credit, wherein the financing limit is less than or equal to the financing principal.

[0086] The device provided in the embodiment of the present invention has the same implementation principle and technical effects as those in the aforementioned method embodiment. For the sake of brief description, for matters not mentioned in the device embodiment, reference can be made to the corresponding content in the aforementioned method embodiment.

[0087] The data processing device based on letter of credit provided in the embodiment of the present invention has the same technical features as the data processing method based on letter of credit provided in the above embodiment, so it can also solve the same technical problems and achieve the same technical effects.

[0088] Figure 6 A schematic diagram of a data processing device based on a letter of credit provided by an embodiment of the present invention is shown in FIG. Figure 6 As shown, the data processing device based on letter of credit includes a processor 61, a memory 62, an input device 63 and an output device 64; the number of processors 61 in the data processing device based on letter of credit can be one or more. Figure 6 In the example of a processor 61, the processor 61, the memory 62, the input device 63 and the output device 64 in the data processing device based on the letter of credit can be connected by a bus or other means. Figure 6 The bus connection is taken as an example.

[0089] Memory 62, as a computer-readable storage medium, can be used to store software programs, computer-executable programs, and modules, such as the program instructions / modules corresponding to the letter of credit-based data processing method in the embodiments of the present invention (e.g., international settlement system 51, letter of credit pool 52, corporate credit system 53, and user interaction unit 54). Processor 61 executes the software programs, instructions, and modules stored in memory 62 to execute the various functional applications and data processing of the letter of credit-based data processing device, thereby implementing the aforementioned letter of credit-based data processing method.

[0090] Memory 62 may primarily include a program storage area and a data storage area. The program storage area may store an operating system and at least one application required for a function; the data storage area may store data generated based on the terminal's use. Furthermore, memory 62 may include high-speed random access memory and non-volatile memory, such as at least one disk storage device, flash memory device, or other non-volatile solid-state memory device. In some instances, memory 62 may further include memory remotely located relative to processor 61. Such remote memory may be connected to the credit-based data processing equipment via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0091] The input device 63 may be used to receive input digital or character information and generate key signal input related to user settings and function control of the data processing device based on the letter of credit. The output device 64 may include a display device such as a display screen.

[0092] An embodiment of the present invention further provides a storage medium containing computer-executable instructions, which, when executed by a computer processor, are used to execute a data processing method based on a letter of credit.

[0093] Specifically, the data processing method based on the letter of credit includes:

[0094] The corporate credit system receives applications for letter of credit pool financing from prospective financing clients and, based on the applications, queries the international settlement system to determine whether the prospective financing client meets the requirements for accessing the letter of credit pool for financing. The letter of credit pool refers to the module that stores and uses the stored letters of credit for financial services.

[0095] If the judgment result is that the processing conditions are met, the corporate credit system will establish a target financing business in the letter of credit pool based on the letter of credit pool financing application;

[0096] The corporate credit system calls the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business;

[0097] The corporate credit system verifies the financing limit and initiates the financing process to the user interaction unit based on the financing limit and the target financing business.

[0098] Of course, the storage medium containing computer-executable instructions provided by an embodiment of the present invention is not limited to the method operations described above, and can also execute related operations in the data processing method based on letters of credit provided by any embodiment of the present invention.

[0099] Through the above description of the implementation methods, those skilled in the art can clearly understand that the present invention can be implemented with the help of software and necessary general-purpose hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0100] It is worth noting that in the above-mentioned embodiment of the data processing device based on letter of credit, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0101] An embodiment of the present invention further provides a computer program product, which includes computer-executable instructions. When the computer-executable instructions are executed by a computer processor, they are used to execute the data processing method based on a letter of credit provided by any embodiment of the present invention.

[0102] Of course, the computer program product provided in the embodiments of the present application, whose computer executable instructions are not limited to the method operations described above, can also execute related operations in the method provided in any embodiment of the present invention.

[0103] In the description of the embodiments of the present invention, unless otherwise expressly specified or limited, the terms "mounted," "connected," and "connected" should be understood in a broad sense. For example, they may refer to fixed, detachable, or integral connections; mechanical or electrical connections; direct or indirect connections through an intermediate medium; and internal communication between two components. Those skilled in the art will understand the specific meanings of the above terms in the present invention based on specific circumstances.

[0104] Finally, it should be noted that the above are only preferred embodiments of the present invention and the technical principles employed. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments, and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments and may include many other equivalent embodiments without departing from the scope of the present invention. The scope of the present invention is determined by the scope of the appended claims.

Claims

1. A data processing method based on letter of credit, characterized in that: The data processing method includes: The corporate credit system receives a letter of credit pool financing application from a prospective financing client and, based on the letter of credit pool financing application, queries the international settlement system for a determination of whether the prospective financing client meets the conditions for entering the letter of credit pool for financing services. The letter of credit pool refers to a module that stores and uses the stored letters of credit for financial services. If the judgment result is that the processing conditions are met, the corporate credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application; The corporate credit system calls the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business; The corporate credit system verifies the financing limit and initiates a financing process to the user interaction unit based on the financing limit and the target financing business; Before the public credit system queries the international settlement system for a judgment result on whether the proposed financing client meets the conditions for entering the letter of credit pool to handle financing business, the data processing method further includes: The international settlement system obtains the letter of credit information of the proposed financing customer, and determines, based on the letter of credit information, whether the proposed financing customer meets the conditions for entering the letter of credit pool to handle financing business, and generates the determination result; If the judgment result is compliance, the international settlement system will change the business status of the customer to be financed to a status of entering the letter of credit pool, and calculate the financing limit of the customer to be financed based on the letter of credit information.

2. The data processing method based on letter of credit according to claim 1, characterized in that: After the corporate credit system initiates a financing process to the user interaction unit, the data processing method further includes: The user interaction unit executes the financing process; After the user interaction unit completes the financing process, the corporate credit system changes the business status of the target financing business in the letter of credit pool to funded.

3. The data processing method based on letter of credit according to claim 1, characterized in that: The international settlement system obtains the letter of credit information of the intended financing customer and determines, based on the letter of credit information, whether the intended financing customer meets the conditions for entering the letter of credit pool to handle financing business, including: The international settlement system obtains the letter of credit information of the customer to be financed, wherein the letter of credit information includes one of the following: letter of credit acceptance business number, letter of credit maturity payment confirmation number, name information of the customer to be financed, and number information of the customer to be financed; Based on the letter of credit information, the letter of credit pool is queried to determine whether the letter of credit of the client to be financed meets one or more of the following conditions: The beneficiary of the letter of credit is the customer to be financed; the issuing bank or confirming bank of the letter of credit is a pre-set designated bank, or another bank with a financial institution credit line at the pre-set designated bank; the pre-set designated bank is the advising bank, presenting bank or designated negotiating bank of the letter of credit; the issuing bank / confirming bank of the letter of credit has accepted or confirmed payment upon maturity; If so, the customer to be financed meets the conditions for entering the letter of credit pool to handle financing business.

4. The data processing method based on letter of credit according to claim 1, characterized in that: After the international settlement system confirms that the client to be financed meets the conditions for entering the letter of credit pool to handle financing business, the data processing method further includes: The user interaction unit performs a secondary review on whether the client to be financed meets the conditions for entering the letter of credit pool to handle financing business.

5. The data processing method based on letter of credit according to claim 1, characterized in that: When the letter of credit of the customer to be financed completes the corresponding financing process and the financing amount is redeemed, the data processing method further includes: The international settlement system changes the business status of the client to be financed to a status of exiting the letter of credit pool.

6. The data processing method based on letter of credit according to claim 2, characterized in that: When the letter of credit of the customer to be financed completes the corresponding financing process and the financing amount is redeemed, the data processing method further includes: The user interaction unit changes the business status of the client to be financed to a status of exiting the letter of credit pool.

7. The data processing method based on letter of credit according to claim 6, characterized in that: Before the user interaction unit changes the business status of the client to be financed into a state of exiting the letter of credit pool, the data processing method further includes: The user interaction unit reviews the eligibility of the client to be financed to exit the letter of credit pool and handle financing business.

8. The data processing method based on letter of credit according to claim 1, characterized in that: The international settlement system calculates the financing limit of the proposed financing customer based on the letter of credit information, including: The international settlement system obtains the financial institution limit of the letter of credit corresponding to the letter of credit information, and determines the financing limit based on the sum of the financing principal, financing interest and financing fees being less than or equal to the financial institution limit of the letter of credit, wherein the financing limit is less than or equal to the financing principal.

9. A data processing device based on letter of credit, characterized in that: The data processing device includes an international settlement system, a letter of credit pool, a public credit system, and a user interaction unit; The international settlement system is used to obtain letter of credit information of a prospective financing customer, and based on the letter of credit information, determine whether the prospective financing customer meets the conditions for entering the letter of credit pool to handle financing business, and generate a judgment result, wherein the letter of credit pool refers to a module that stores and calls its stored letters of credit for financial business services; The international settlement system is further configured to change the business status of the client to be financed to a status of entering the letter of credit pool if the judgment result is compliance, and calculate the financing limit of the client to be financed based on the letter of credit information; The corporate credit system is configured to receive a letter of credit pool financing application submitted by the intended financing client, and based on the letter of credit pool financing application, query the international settlement system for a judgment result on whether the intended financing client meets the conditions for entering the letter of credit pool to handle financing business; if the judgment result is that the client meets the conditions, then establishing a target financing business in the letter of credit pool based on the letter of credit pool financing application; The corporate credit system is further configured to call the financing limit corresponding to the intended financing customer in the international settlement system based on the target financing business, verify the financing limit, and initiate a financing process to the user interaction unit based on the financing limit and the target financing business; The user interaction unit is used to realize the communication connection between the international settlement system and the corporate credit system, and is used to receive control instructions from business personnel to complete the financing process.

10. A data processing device based on letter of credit, characterized in that: The data processing equipment based on the letter of credit includes: one or more processors; a storage device for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the data processing method based on a letter of credit as described in any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the data processing method based on a letter of credit as described in any one of claims 1 to 8 is implemented.

12. A computer program product, comprising a computer program, which, when executed by a processor, implements the data processing method based on a letter of credit according to any one of claims 1 to 8.

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