Electronic creditor's right voucher transaction information matching method and device and storage medium

Abstract

The invention discloses an electronic creditor's right voucher transaction information matchmaking method and device and a storage medium, which are used for solving the problems of high electronic creditor's right voucher transaction risk and low transaction rate, and the method comprises the steps: obtaining the fund demand information of a fund demand side; the fund demand information comprises an electronic creditor's right certificate used for financing and verified by a movable property financing registration service mechanism, and the fund demand information comes from an enterprise user registered on the platform or is a third-party platform approved by the platform; obtaining financing product demand information of each fund provider from a supplier information pool; calculating the similarity between the fund demand information and financing product demand information of each fund provider; sorting all the calculated similarities in a descending order, and selecting a preset number of financing product demand information to recommend to the fund demander for the fund demander to select a transaction object; and performing transaction matching according to a selection result returned by the fund demand side.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a method, device and storage medium for matching electronic creditor's rights certificate transaction information. Background Art

[0002] Electronic creditor's rights certificates are electronic creditor's rights certificates issued by core enterprises to upstream and downstream suppliers on the supply chain finance platform based on trade background, promising to pay them when they mature. These electronic creditor's rights certificates can be split and transferred, and can be traded online or offline through the platform's factoring companies, cooperative banks or financial companies.

[0003] In online transactions, the parties in need of funds (usually enterprises) usually apply for business from banks within the supply chain platforms built by core enterprises. Financing transactions can only be carried out after the business review by the bank (fund provider) is passed; in offline transactions, the parties in need of funds publish transaction information through WeChat groups, and the fund providers with transaction intentions contact the parties in need of funds offline for one-on-one transactions. For online transactions, since the supply chain platform is relatively closed, there are few cooperative banks, and the banks have many review factors for the parties in need of funds, the accommodation needs of the parties in need of funds are difficult to be met, and the transaction demand transaction rate is low; and offline transactions have fewer cooperative parties in need of funds, and in addition to the existing problems of online transactions, there are also certain transaction risks.

[0004] In view of this, how to reduce transaction risks while improving the transaction rate of electronic debt certificate transactions has become a technical problem that needs to be solved urgently. Summary of the invention

[0005] The present invention provides a method, device and storage medium for matching electronic debt certificate transaction information, which are used to solve the technical problems of high risk and low transaction rate of electronic debt certificate transactions in the prior art.

[0006] In the first aspect, in order to solve the above technical problems, an embodiment of the present invention provides a method for matching electronic debt certificate transaction information, which is applied to an electronic debt certificate transaction platform. The technical solution of the method is as follows:

[0007] Obtain the funding demand information of the funding demander; wherein the funding demand information includes the electronic debt certificate used for financing and verified by the movable property financing registration service agency, the funding demand information is issued by the corporate user registered on the platform, or the funding demand information is obtained by information synchronization with a third-party platform recognized by the platform;

[0008] Obtain the financing product demand information of each fund provider from the supplier information pool;

[0009] Calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction object;

[0010] Transaction matching is carried out based on the selection results returned by the party in need of funds.

[0011] In a possible implementation manner, calculating the similarity between the fund demand information and the financing product demand information of each fund provider includes:

[0012] Extracting key capital demand index values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition index values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information; wherein the key capital demand index values ​​are used to characterize the first necessary information related to the electronic debt certificate transaction of the capital demander, and the key condition is used to characterize the second necessary information of the capital provider reviewing the electronic debt certificate transaction, and the first necessary information and the second necessary information contain at least partially overlapping contents;

[0013] determining the score of each attribute corresponding to each financing product demand information according to whether each first attribute tag matches a second attribute tag of the same attribute among a plurality of second attribute tags corresponding to each financing product demand information;

[0014] A weighted calculation is performed according to the score of each attribute corresponding to each financing product demand information and the weight corresponding to each attribute, and the obtained weighted calculation result is used as the similarity between each financing product demand information and the capital demand information.

[0015] A possible implementation manner is to extract key capital demand indicator values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and to extract key condition indicator values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information, including:

[0016] Attributes of the fund demand information and the financing product demand information are respectively abstracted; wherein the fund demand information includes basic information, credit information and financial information of the fund demander, and the financing product demand information includes financing product information and acceptable debt certificate information;

[0017] The plurality of first attribute labels and the plurality of second attribute labels of each financing product demand information are generated according to the data indicator value corresponding to each attribute and the classification rule of the label contained in each attribute.

[0018] In a possible implementation manner, before selecting a preset number of financing product demand information and recommending them to the fund demander, the method further includes:

[0019] Determining whether the similarity of each financing product demand information is less than a preset value;

[0020] If the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the fund demander.

[0021] In a possible implementation manner, after calculating the similarity between the fund demand information and the financing product demand information of each fund provider, the method further includes:

[0022] Recording each recommendation situation; the recommendation situation includes no recommendation result, successful recommendation and failed recommendation, the successful recommendation means that the fund demander selects one of the preset number of recommended financing products to complete the transaction, and the failed recommendation means that the fund demander does not select one of the preset number of recommended financing products to complete the transaction;

[0023] Calculate the recommendation ratio of the no-recommendation result in the historical recommendation situation;

[0024] When the recommendation ratio is greater than a preset ratio, weight values ​​corresponding to at least some attributes are adjusted.

[0025] In a possible implementation manner, before obtaining the fund demand information of the fund demander, the method further includes:

[0026] Receiving the image information of the electronic debt certificate entered by the enterprise user;

[0027] Performing text recognition on the image information to obtain key information of the electronic debt certificate; the key information includes the serial number and expiration date of the electronic debt certificate;

[0028] Sending the key information to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate;

[0029] Receiving the verification result of the electronic debt certificate from the movable property financing registration service institution;

[0030] If the verification result is true and valid, the electronic debt certificate is added to the certificate list of the enterprise user.

[0031] In a possible implementation manner, before obtaining the fund demand information of the fund demander, the method further includes:

[0032] Generate financing product information based on the first operation of the enterprise user;

[0033] Based on the second operation of the enterprise user, at least one unused electronic debt certificate is selected from the certificate list as a security subject for the financing of the financing product information;

[0034] Generate and newly publish funding demand information including the financing product information and the at least one unused electronic debt certificate;

[0035] Store the newly released funding demand information into the demander information pool.

[0036] In a second aspect, an embodiment of the present invention provides a method for matching electronic debt certificate transaction information, which is applied to an electronic debt certificate transaction platform. The device includes:

[0037] An acquisition unit is used to acquire the capital demand information of the capital demander; wherein the capital demand information includes an electronic debt certificate used for financing and verified by a movable property financing registration service agency, and the capital demand information is issued by an enterprise user of the platform, or the capital demand information is obtained by information synchronization with a third-party platform recognized by the platform; and the financing product demand information of each capital provider is acquired from the supplier information pool;

[0038] A calculation unit, used to calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction object;

[0039] The matching unit is used to match transactions according to the selection results returned by the fund demander.

[0040] In a possible implementation manner, the computing unit is specifically configured to:

[0041] Extracting key capital demand index values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition index values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information; wherein the key capital demand index values ​​are used to characterize the first necessary information related to the electronic debt certificate transaction of the capital demander, and the key condition is used to characterize the second necessary information of the capital provider reviewing the electronic debt certificate transaction, and the first necessary information and the second necessary information contain at least partially overlapping contents;

[0042] determining the score of each attribute corresponding to each financing product demand information according to whether each first attribute tag matches a second attribute tag of the same attribute among a plurality of second attribute tags corresponding to each financing product demand information;

[0043] A weighted calculation is performed according to the score of each attribute corresponding to each financing product demand information and the weight corresponding to each attribute, and the obtained weighted calculation result is used as the similarity between each financing product demand information and the capital demand information.

[0044] In a possible implementation manner, the computing unit is further configured to:

[0045] Attributes of the fund demand information and the financing product demand information are respectively abstracted; wherein the fund demand information includes basic information, credit information and financial information of the fund demander, and the financing product demand information includes financing product information and acceptable debt certificate information;

[0046] The plurality of first attribute labels and the plurality of second attribute labels of each financing product demand information are generated according to the data indicator value corresponding to each attribute and the classification rule of the label contained in each attribute.

[0047] In a possible implementation manner, the computing unit is specifically configured to:

[0048] Determining whether the similarity of each financing product demand information is less than a preset value;

[0049] If the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the fund demander.

[0050] In a possible implementation manner, the device further includes an adjustment unit, wherein the adjustment unit is configured to:

[0051] Recording each recommendation situation; the recommendation situation includes no recommendation result, successful recommendation and failed recommendation, the successful recommendation means that the fund demander selects one of the preset number of recommended financing products to complete the transaction, and the failed recommendation means that the fund demander does not select one of the preset number of recommended financing products to complete the transaction;

[0052] Calculate the recommendation ratio of the no-recommendation result in the historical recommendation situation;

[0053] When the recommendation ratio is greater than a preset ratio, weight values ​​corresponding to at least some attributes are adjusted.

[0054] In a possible implementation manner, the device further includes an input unit, and the input unit is used to:

[0055] Receiving the image information of the electronic debt certificate entered by the enterprise user;

[0056] Performing text recognition on the image information to obtain key information of the electronic debt certificate; the key information includes the serial number and expiration date of the electronic debt certificate;

[0057] Sending the key information to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate;

[0058] Receiving the verification result of the electronic debt certificate from the movable property financing registration service institution;

[0059] If the verification result is true and valid, the electronic debt certificate is added to the certificate list of the enterprise user.

[0060] In a possible implementation manner, the device further includes a publishing unit, and the publishing unit is configured to:

[0061] Generate financing product information based on the first operation of the enterprise user;

[0062] Based on the second operation of the enterprise user, at least one unused electronic debt certificate is selected from the certificate list as a security subject for the financing of the financing product information;

[0063] Generate and newly publish funding demand information including the financing product information and the at least one unused electronic debt certificate;

[0064] Store the newly released funding demand information into the demander information pool.

[0065] In a third aspect, an embodiment of the present invention further provides a method for matching electronic debt certificate transaction information, which is applied to an electronic debt certificate transaction platform. The device includes:

[0066] at least one processor, and

[0067] a memory coupled to the at least one processor;

[0068] The memory stores instructions that can be executed by the at least one processor, and the at least one processor executes the method as described in the first aspect above by executing the instructions stored in the memory.

[0069] In a fourth aspect, an embodiment of the present invention further provides a readable storage medium, including:

[0070] Memory,

[0071] The memory is used to store instructions. When the instructions are executed by the processor, the device including the readable storage medium performs the method described in the first aspect above.

[0072] Through the technical solutions in one or more of the above embodiments of the embodiments of the present invention, the embodiments of the present invention have at least the following technical effects:

[0073] In the embodiment provided by the present invention, by using the third-party platforms published by enterprise users registered on this platform and approved by this platform as the information source of capital demand information and financing product demand information, the supply of financing resources can be expanded and cross-platform matching of financing needs can be realized; the capital demand information of the capital demander is obtained through the above-mentioned financing resources, and the financing product demand information of each capital provider is obtained from the supplier information pool constructed by the above-mentioned financing resources; the similarity between the capital demand information and the financing product demand information of each capital provider is calculated; all calculated similarities are sorted in descending order, and a preset number of financing product demand information is selected and recommended to the capital demander for the capital demander to select the transaction object; transaction matching is carried out according to the selection result returned by the capital demander, which can quickly and efficiently match transactions for both parties of the capital process and improve the transaction matching transaction rate; in addition, since the electronic debt certificate deposited in this platform is verified by the movable property financing registration service agency, it can effectively reduce potential transaction risks while matching transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0074] Figure 1 A flowchart of a method for matching electronic debt certificate transaction information provided by an embodiment of the present invention;

[0075] Figure 2 A schematic diagram of a framework of the platform provided by an embodiment of the present invention;

[0076] Figure 3 A schematic diagram of the structure of an electronic debt certificate transaction information matching device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0077] The embodiments of the present invention provide a method, device and storage medium for matching electronic debt certificate transaction information, so as to solve the technical problems of high risk and low transaction rate of electronic debt certificate transactions existing in the prior art.

[0078] In order to better understand the above technical scheme, the technical scheme of the present invention is described in detail below through the accompanying drawings and specific embodiments. It should be understood that the embodiments of the present invention and the specific features in the embodiments are detailed descriptions of the technical scheme of the present invention, rather than limitations on the technical scheme of the present invention. In the absence of conflict, the embodiments of the present invention and the technical features in the embodiments can be combined with each other.

[0079] Please refer to Figure 1 The embodiment of the present invention provides a method for matching electronic debt certificate transaction information, which is applied to an electronic debt certificate transaction platform. The processing process of the method is as follows.

[0080] Step 101: Obtain the funding demand information of the funding demander; wherein the funding demand information includes the electronic debt certificate used for financing and verified by the movable property financing registration service agency, and the funding demand information is issued by the corporate user registered on the platform, or the funding demand information is obtained by synchronizing information with a third-party platform recognized by the platform;

[0081] Step 102: Obtaining the financing product demand information of each fund provider from the supplier information pool;

[0082] The execution order of the above steps 101 and 102 may also be interchanged.

[0083] A supplier information pool and a demander information pool are set up in this platform (i.e., the electronic debt certificate trading platform). The supplier information pool is used to store the financing product demand information released by bank users registered on this platform, and the financing product demand information synchronized with the third platform approved by this platform; the demander information pool is used to store the capital demand information released by corporate users registered on this platform, and the capital demand information synchronized with the third platform approved by this platform; when the third-party platform synchronizes information with this platform, it can only include financing product information, only include capital demand information, or include both financing product information and capital demand information at the same time, without specific restrictions.

[0084] After completing registration and authentication on this platform, corporate users can manually enter different types of electronic debt certificates issued by different core enterprises on other platforms held by corporate users through a computer or mobile terminal; corporate users can also enter various types of electronic debt certificates issued by core enterprises on this platform; there is no restriction on which platform or core enterprise the specific corporate user enters the electronic debt certificate.

[0085] In some embodiments, when the fund demander is a corporate user registered on the platform, before obtaining the fund demand information of the fund demander, the electronic debt certificate held can also be added to the platform in the following ways:

[0086] Receive the image information of the electronic debt certificate entered by the enterprise user; perform text recognition on the image information to obtain the key information of the electronic debt certificate; the key information includes the number and expiration date of the electronic debt certificate; send the key information to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate; receive the verification result of the electronic debt certificate from the movable property financing registration service agency; if the verification result is true and valid, add the electronic debt certificate to the enterprise user's voucher list.

[0087] For example, an enterprise user can take a photo of the electronic debt certificate held by the enterprise user by using a mobile phone, and after logging into the platform, upload the image information of the electronic debt certificate taken to the platform; the platform accepts the image information of the electronic debt certificate entered by the enterprise user, and uses optical character recognition (OCR) technology to perform text recognition on the image information, obtain and cache the key information of the electronic debt certificate, and the key information may include, for example, the product type, certificate number, name of the issuing enterprise, certificate amount, name of the holding enterprise, date of issuance, promised payment date, etc. on the electronic debt certificate. After obtaining the key information of the above-mentioned electronic debt certificate, the key information may be sent to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate; the movable property financing rating service agency compares the registration information of the electronic debt certificate with the received key information based on the received key information, and returns the generated verification result to the platform; if the verification result is true and valid, the electronic debt certificate is added to the enterprise user's voucher list; if the verification result is false or expired, a prompt message may be generated to remind the enterprise user, and the electronic debt certificate is refused to be added to the enterprise user's voucher list.

[0088] The electronic debt certificate comes from a third-party platform recognized by this platform. Since the third-party platforms recognized by this platform usually verify the authenticity and validity of the electronic debt certificate, this platform may not verify the electronic debt certificate from the third-party platform.

[0089] In other embodiments, the electronic debt certificate synchronized from a third-party platform recognized by the platform may also be verified twice. The verification method is the same as the above-mentioned verification method of the electronic debt certificate provided by the corporate user, which will not be repeated here.

[0090] In the embodiment provided by the present invention, by allowing enterprise users to enter the electronic debt certificates they hold in the form of pictures, and verifying the authenticity and validity of the electronic debt certificates through movable property financing grade service agencies, the electronic debt certificates and their key information are allowed to be stored in the enterprise user's voucher list (i.e., stored in this platform) only when the electronic debt certificates are confirmed to be authentic and valid, so that the electronic debt certificates issued by core enterprises in other platforms can be allowed to be entered into this platform, and are not limited to the electronic debt certificates issued by core enterprises in this platform, thereby increasing the source of electronic debt certificates while ensuring that the electronic debt certificates are authentic and valid, and reducing the risk of potential transactions. And because the source of electronic debt certificates increases, potential transaction opportunities will also increase, which can increase the success rate of potential transactions.

[0091] In some embodiments, when an enterprise user needs to publish funding demand information, the funding demand information may be published in the following ways:

[0092] Generate financing product information based on the first operation of the enterprise user;

[0093] Based on the second operation of the enterprise user, at least one unused electronic debt certificate is selected from the certificate list as a guarantee subject of the financing product information financing;

[0094] Generate and newly publish funding demand information including financing product information and at least one unused electronic debt certificate;

[0095] Store the newly released funding demand information into the demander information pool.

[0096] For example, if an enterprise user needs to raise RMB 3.5 million, the interest rate does not exceed 6%, the subset needs to occupy 180 days, the repayment method is online, and the loan ratio needs to be no less than 70%, the enterprise user can enter the financing amount of RMB 3.5 million, interest rate ≤ 6%, financing period 180 days, and loan ratio ≥ 70% based on the first operation. After receiving the information entered by the user based on the first operation, the platform generates financing product information containing the above information.

[0097] Afterwards, the enterprise user selects at least one unused electronic debt certificate from its voucher list as a guarantee for the financing of the above-mentioned financing product information. Usually, the total voucher amount of at least one unused electronic debt certificate selected must be greater than the financing amount. Based on the electronic debt certificate selected by the enterprise user, this platform verifies whether the total voucher amount of the selected electronic debt certificate is greater than the financing amount. If so, it associates the aforementioned generated financing product information with the selected financing debt certificate, generates and publishes the corresponding funding demand information, and stores the newly published funding demand information in the demander information pool.

[0098] In some embodiments, financing product information can be matched for the newly released subset demand information immediately after the enterprise user releases the funding demand information (i.e., executing steps 101-104); or funding demand information can be periodically obtained from the demander information pool one by one, and financing product information can be matched for each funding demand information.

[0099] The financing product demand information released by the capital provider includes enterprise requirements, electronic debt certificate conditions, and financing product requirements; enterprise requirements include industry characteristics, whether it is a newly established enterprise, enterprise location, whether it is state-controlled, enterprise scale, whether it is a listed company, enterprise financial level assessment, enterprise debt repayment ability assessment, and enterprise credit status; electronic debt certificate requirements include product type, issuer enterprise type, amount, and maturity date; financing product requirements include product quota, interest rate, repayment period, repayment method, and loan ratio.

[0100] Bank users can enter financing product demand information containing the above information on this platform based on the requirements of the capital provider and publish the financing product demand information; after publishing the financing product demand information, the newly published financing product demand information will be stored back in the supplier information pool.

[0101] After the bank users of this platform publish financing product demand information, the newly released financing product demand information will be matched one by one with the funding demand information in the demander's information pool. The financing product demand information obtained from the supplier's demand pool can also be matched one by one on a regular basis with the funding demand information in the demander's information pool.

[0102] In other embodiments, when a third-party platform synchronizes at least one of the funding demand information and the financing product demand information to this platform, a method similar to the above can be used to first match the funding demand information and the financing product demand information synchronized by the third-party platform with the corresponding demand information. The specific matching method can be referred to the introduction in the previous embodiment and will not be repeated here.

[0103] After obtaining the fund demand information of the fund demander and the financing product demand information of the fund provider, step 103 may be executed.

[0104] Step 103: Calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction partner;

[0105] Step 104: Transaction matching is performed based on the selection result returned by the party in need of funds.

[0106] The platform can use collaborative filtering algorithms to calculate the similarity between the funding demand information and the financing product demand information of each funding provider, and can also sample other algorithms to calculate the similarity.

[0107] In some embodiments, calculating the similarity between the fund demand information and the financing product demand information of each fund provider may also be achieved in the following manner:

[0108] Extracting key capital demand index values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition index values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information; wherein the key capital demand index values ​​are used to characterize the first necessary information related to the electronic debt certificate transaction based on the capital demander, and the key conditions are used to characterize the second necessary information of the capital provider reviewing the electronic debt certificate transaction, and the first necessary information and the second necessary information contain at least partially overlapping contents;

[0109] Determine the score of each attribute corresponding to each financing product demand information according to whether each first attribute tag matches a second attribute tag of the same attribute among a plurality of second attribute tags corresponding to each financing product demand information;

[0110] A weighted calculation is performed based on the score of each attribute corresponding to each financing product demand information and the corresponding weight, and the obtained weighted calculation result is used as the similarity between each financing product demand information and the capital demand information.

[0111] Funding demand information also includes the corporate information of the funding demander, and the corporate information includes the basic information of the company, the credit information of the company, and the financial information of the company.

[0112] For example, the basic information of Enterprise A includes: Enterprise name: Enterprise A; Business scope: Primary agricultural products; Date of establishment: 2024.6.5; Enterprise type: Joint-stock enterprise; Registered capital: 1 million, etc. The financing product demand information of Bank B includes: Industry characteristics are non-agricultural, cannot be a newly established enterprise, and enterprise scale is a small and medium-sized enterprise, etc. Assume that the business scope, date of establishment, enterprise type, and registered capital in the above data included in the capital demand information are key capital demand indicators for financing with electronic debt certificates, and the data corresponding to these indicators are the key capital demand indicator values. For example, the corresponding data of the business scope is primary agricultural products, and primary agricultural products are the key capital demand indicator values ​​of the business scope of the key capital demand indicator, and so on; for the above industry characteristics, whether it is a newly established enterprise, and enterprise scale included in the financing product demand information, they are the key condition indicators required by the capital provider for financing electronic debt certificates, and the data corresponding to these key condition indicators are recorded as key condition indicator values. If the key condition indicator is an industry characteristic, the corresponding key condition indicator is non-agricultural, and so on.

[0113] The above key capital demand indicators and key condition indicators have some commonalities, such as business scope (key capital demand indicators) and industry characteristics. Their common attributes are industry characteristics. According to the national economic classification corresponding to the business information of the enterprise, primary agricultural products can be classified as agriculture. Therefore, the first attribute label corresponding to the industry characteristics of enterprise A is agriculture; and the industry characteristics required by bank B are non-agricultural, so the second attribute label corresponding to the industry characteristics of bank B is non-agricultural.

[0114] For another example, based on the registration time of Enterprise A from June 5, 2026 to the current date (assuming it is September 1, 2024), it can be calculated that Enterprise A has been established for 87 days. If enterprises registered for less than 180 days are defined as newly established enterprises, and enterprises registered for more than 180 days are defined as non-newly established enterprises, then based on the registration time of Enterprise A and the current date, it can be determined that Enterprise A is a newly established enterprise. Enterprise A and Bank B have a common attribute: whether it is a newly established enterprise. Therefore, whether it is a newly established enterprise is a key capital demand indicator for Enterprise A, and it is also a key condition demand indicator for Bank B; the first attribute label corresponding to whether Enterprise A is a newly established enterprise is a newly established enterprise, and the second attribute label corresponding to whether Bank B is a newly established enterprise is a non-newly established enterprise.

[0115] It should be understood that the above examples only illustrate part of the data contained in the capital demand information and the financing product demand information, but do not show all the data. Therefore, it should not be understood that the above demand information only includes the data shown.

[0116] Assume that through the above method, multiple first attribute labels corresponding to the capital demand information of enterprise A are obtained, recorded as A1~An, and multiple second attribute labels corresponding to the financing product demand information of bank B are recorded as B1~Bm. The letter part in the first attribute label and the second attribute label represents the enterprise (i.e., the party in need of capital) or the bank (i.e., the party providing capital), and the number part represents the attribute. The same number represents that the corresponding attributes are the same.

[0117] A1 and B1 belong to the same attribute (assuming it is an industry characteristic), A1 is agriculture and B1 is non-agriculture, the two do not match, and the score of the attribute corresponding to B1 (industry characteristic) is 0; the scores of the remaining attributes can be obtained in the same way; if the corresponding scores of B1~Bm are recorded as r1~rm respectively, and the weights of the corresponding scores of B1~Bm are recorded as d1~dm respectively; then by weighted calculation of r1~rm, it can be obtained that the similarity between the capital demand information of Company A and the financing product matching information of Bank B is r1×d1+r2×d1+…+rn×dn.

[0118] Similarly, we can get the similarity between the funding demand information of company A and other financing product demand information in the supplier information pool. We sort these similarities in descending order, take the preset number (assuming 3) of financing product demand information and push it to company A, and company A selects one of them as the confirmed transaction object. After receiving the confirmation result of company A, this platform generates relevant matchmaking information and sends it to the corresponding fund provider and company A to complete the contract. Of course, if company A thinks that the three transaction objects provided are not ideal, it can also return a rejection message.

[0119] In some embodiments, extracting key capital demand indicator values ​​from capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition indicator values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information can be achieved in the following manner:

[0120] Attributes of fund demand information and financing product demand information are abstracted respectively; fund demand information includes basic information, credit information and financial information of the fund demander, and financing product demand information includes financing product information and acceptable debt certificate information;

[0121] According to the data indicator value corresponding to each attribute and the classification rule of each attribute containing the label, multiple first attribute labels and multiple second attribute labels for each financing product demand information are generated.

[0122] Attributes of funding demand information are abstracted. For example, based on the industry to which the enterprise belongs, the attribute can be abstracted as industry characteristics; based on the actual business address of the enterprise, the attribute can be abstracted as the enterprise's location; based on whether the controlling shareholder of the enterprise has state-owned capital, or whether the proportion of state-owned capital is greater than the preset ratio, the attribute can be abstracted as whether it is state-controlled, etc. Each attribute can contain multiple labels. The first attribute label of the funding demand information can be determined based on the data indicator value corresponding to the attribute and the classification rules corresponding to the labels contained in the attribute. If the attribute is an industry characteristic, the classification rule of the industry characteristic label is the national economic industry classification corresponding to the enterprise's industrial and commercial information. The following shows the common attributes in funding demand information and the classification rules corresponding to the labels they contain (attributes before the colon, and classification rules after the colon):

[0123] Industry characteristics: mainly based on the national economic industry classification corresponding to the enterprise’s industrial and commercial information.

[0124] Whether it is a newly established enterprise: An enterprise with a registration time of less than 180 days is a newly established enterprise, and an enterprise with a registration time of 180 days or more is a non-newly established enterprise.

[0125] Enterprise location: According to the province or city where the enterprise's actual business address is located.

[0126] Whether it is state-controlled: The proportion of state-owned capital in the total capital of the enterprise is greater than or equal to 50%.

[0127] Enterprise scale: calculated based on registered capital, 0-500,000 is a micro-enterprise, 500,000-5 million is a small enterprise, 5 million-30 million is a medium-sized enterprise, and more than 30 million is a large enterprise.

[0128] Whether it is a listed company: including whether it is listed domestically or overseas.

[0129] Evaluation of corporate financial level: Comparison of the growth rate of net profit of main business and the growth rate of main business with the industry average. If it is 50% or more below the average, it is considered low; if it is around the average, it is considered good; if it is 50% or more above the average, it is considered excellent.

[0130] Assessment of corporate debt repayment ability: If the corporate debt-to-asset ratio is greater than 70% or the current ratio is less than 1, it is low; if the debt-to-asset ratio is less than 70% and 1<current ratio<2, it is good; if the debt-to-asset ratio is less than 70% and the current ratio is greater than 2, it is excellent.

[0131] Enterprise credit status: whether the enterprise has a credit line, whether the enterprise is overdue, and whether the enterprise is involved in litigation.

[0132] In addition, by abstracting the attributes of the electronic debt certificates contained in the funding demand information, the product type, the type of issuing enterprise, the amount, and the maturity date can be abstracted. According to the data indicators corresponding to the product type, the type of issuing enterprise, the amount, and the maturity date and the corresponding label classification rules, the corresponding first attribute label can be determined.

[0133] Financing product demand information usually includes product amount, interest rate, repayment period, repayment method, loan ratio and corresponding data indicators. The above product amount, interest rate, repayment period, repayment method and loan ratio can be abstracted as attributes, and the second attribute label corresponding to each attribute is determined according to the classification rules of the data indicators and labels corresponding to the product amount, interest rate, repayment period, repayment method and loan ratio.

[0134] In order to enable those skilled in the art to repeatedly understand the above technical solution, a practical example is given below for illustration:

[0135] Please refer to Table 1 for a comparison table of first attribute labels and second attribute labels determined based on the fund demand information of the fund demander and the financing product demand information of the fund provider.

[0136] Table 1

[0137]

[0138]

[0139] According to whether the first attribute tag with the same attribute matches the second attribute tag corresponding to each financing product demand information, a score is given to the corresponding second attribute tag, and the scoring results are shown in Table 2.

[0140] Table 2

[0141]

[0142]

[0143] Among them, the weight corresponding to each attribute label in Table 2 is 1 / 19.

[0144] The similarities between the financing product demand information and the funding demand information calculated in Table 2 are sorted in descending order as follows: 89.5, 78.9, and 73.7. Assuming the preset number is 2, the financing product demand information corresponding to the first two (i.e., 89.5 and 78.9) are selected and recommended to the funding demander corresponding to the funding demand information.

[0145] If the fund demander receives the above recommendation and decides to select the fund provider corresponding to the financing product demand information corresponding to 78.9 to complete the transaction, the above decision will be returned to this platform, and this platform will match the two parties to complete the transaction. This platform records the above recommendation results and marks it as a successful recommendation, forming a recommendation record and storing it in the database.

[0146] If the party in need of funds receives the above recommendation and believes that both financing product demand information are unacceptable, it will return a rejection message to this platform; this platform will record the above recommendation result and mark it as a recommendation failure, forming a recommendation record and storing it in the database.

[0147] In some embodiments, after rejecting the above recommendation results, the party in need of funds can also modify the data indicators in its funding demand information and resubmit the funding demand information. After that, the platform will re-match the appropriate financing product demand information for the newly submitted funding demand information in the above manner.

[0148] In some embodiments, before selecting a preset number of financing product demand information and recommending it to the fund demander, the method further includes:

[0149] Determine whether the similarity of each financing product demand information is less than a preset value;

[0150] If the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the party in need of funds.

[0151] For example, taking Table 2 as an example, the preset value is 89, and only the similarity between the financing product demand information 1 and the capital demand information is 89.5, which is greater than 89. At this time, only the financing product demand information 1 is recommended to the capital demander. If the preset value is 95, there is no financing product demand information in Table 2 that meets the recommendation conditions. At this time, it is determined that there is no recommendation result to recommend to the capital demander, and the recommendation is made.

[0152] In the embodiment provided by the present invention, by judging whether the similarity of each financing product demand information is less than a preset value, if the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the party in need of funds, thereby preventing the occurrence of extreme scenario risks.

[0153] In some embodiments, after calculating the similarity between the fund demand information and the financing product demand information of each fund provider, the method further includes:

[0154] Record each recommendation; the recommendation status includes no recommendation result, successful recommendation and failed recommendation. A successful recommendation means that the party in need of funds selects a completed transaction from the preset number of recommended financing products, and a failed recommendation means that the party in need of funds does not select a completed transaction from the preset number of recommended financing products. Calculate the proportion of recommendations with no recommendation results in the historical recommendation situation; when the recommendation proportion is greater than the preset proportion, adjust the weight values ​​corresponding to at least some attributes.

[0155] For example, by counting the recommendation results recorded in the last month, it is determined that the proportion of recommendations without recommendation results is greater than a preset proportion (such as 80%), then the weight values ​​corresponding to at least some attributes are adjusted. The selected attributes for adjustment can be attributes with higher scores from historical recommendation successes, and the weights of these attributes are increased; or attributes with lower scores are adjusted lower. The corresponding weights can also be adjusted proportionally based on the proportional relationship corresponding to the sum of the historical scores of each attribute; there is no restriction on which attributes are selected for weight adjustment and how to adjust the weights.

[0156] See also Figure 2 A schematic diagram of the framework of the platform provided by an embodiment of the present invention.

[0157] In some embodiments, the platform may include:

[0158] The user information management module is used to support user registration (including corporate users, bank users), authentication and identity verification, and to keep transaction records.

[0159] The funding demand information module is used by funding demanders to publish funding demand information.

[0160] The financing product information module is used by fund providers to publish financing product demand information.

[0161] Transaction information intelligent matching service is used to match the capital demand information with the appropriate financing product demand information. Transaction information intelligent matching service may include: transaction data storage, transaction information matching, transaction recommendation, recommendation notification, transaction matching confirmation, etc.

[0162] It should be noted that the above is only one way of dividing the functional modules of this platform. This platform can also have other division methods, which are not limited here.

[0163] The information input of this platform can include information synchronization on the computer (portal website), mobile phone (application), and third-party platform. Through these information input methods, enterprise authentication, release of funding demand information, and release of financing product demand information can be carried out on this platform; enterprise authentication information can be stored in the enterprise witness information database, the released funding demand information can be stored in the demander information pool, and the released financing product demand information can be stored in the supplier information pool; the transaction information intelligent matching service of this platform obtains funding demand information and financing product information from the above-mentioned demander information pool and supplier information pool respectively for matching, generates recommendation results and recommends them to the funding demander, and displays the recommendation results on the funding demander's terminal for the funding demander to choose.

[0164] In the embodiment provided by the present invention, by using the third-party platforms published by enterprise users registered on this platform and approved by this platform as the information source of capital demand information and financing product demand information, the supply of financing resources can be expanded and cross-platform matching of financing needs can be realized; the capital demand information of the capital demander is obtained through the above-mentioned financing resources, and the financing product demand information of each capital provider is obtained from the supplier information pool constructed by the above-mentioned financing resources; the similarity between the capital demand information and the financing product demand information of each capital provider is calculated; all calculated similarities are sorted in descending order, and a preset number of financing product demand information is selected and recommended to the capital demander for the capital demander to select the transaction object; transaction matching is carried out according to the selection result returned by the capital demander, which can quickly and efficiently match transactions for both parties of the capital process and improve the transaction matching transaction rate; in addition, since the electronic debt certificate deposited in this platform is verified by the movable property financing registration service agency, it can effectively reduce potential transaction risks while matching transactions.

[0165] Based on the same inventive concept, an embodiment of the present invention provides an electronic debt certificate transaction information matching device, which is applied to an electronic debt certificate transaction platform. The specific implementation method of the electronic debt certificate transaction information matching method of the device can be found in the description of the method embodiment part, and the repeated parts will not be repeated. Please refer to Figure 3 , the device comprises:

[0166] The acquisition unit 301 is used to acquire the capital demand information of the capital demander; wherein the capital demand information includes the electronic debt certificate used for financing and verified by the movable property financing registration service agency, and the capital demand information is issued by the enterprise user of this platform, or the capital demand information is obtained by information synchronization with a third-party platform recognized by this platform; the financing product demand information of each capital provider is acquired from the supplier information pool;

[0167] The calculation unit 302 is used to calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction object;

[0168] The matching unit 303 is used to match transactions according to the selection result returned by the fund demander.

[0169] In a possible implementation manner, the calculation unit 302 is specifically configured to:

[0170] Extracting key capital demand index values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition index values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information; wherein the key capital demand index values ​​are used to characterize the first necessary information related to the electronic debt certificate transaction of the capital demander, and the key condition is used to characterize the second necessary information of the capital provider reviewing the electronic debt certificate transaction, and the first necessary information and the second necessary information contain at least partially overlapping contents;

[0171] determining the score of each attribute corresponding to each financing product demand information according to whether each first attribute tag matches a second attribute tag of the same attribute among a plurality of second attribute tags corresponding to each financing product demand information;

[0172] A weighted calculation is performed according to the score of each attribute corresponding to each financing product demand information and the weight corresponding to each attribute, and the obtained weighted calculation result is used as the similarity between each financing product demand information and the capital demand information.

[0173] In a possible implementation manner, the computing unit 302 is further configured to:

[0174] Attributes of the fund demand information and the financing product demand information are respectively abstracted; wherein the fund demand information includes basic information, credit information and financial information of the fund demander, and the financing product demand information includes financing product information and acceptable debt certificate information;

[0175] The plurality of first attribute labels and the plurality of second attribute labels of each financing product demand information are generated according to the data indicator value corresponding to each attribute and the classification rule of the label contained in each attribute.

[0176] In a possible implementation manner, the calculation unit 302 is specifically configured to:

[0177] Determining whether the similarity of each financing product demand information is less than a preset value;

[0178] If the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the fund demander.

[0179] In a possible implementation manner, the device further includes an adjustment unit 304, and the adjustment unit 304 is configured to:

[0180] Recording each recommendation situation; the recommendation situation includes no recommendation result, successful recommendation and failed recommendation, the successful recommendation means that the fund demander selects one of the preset number of recommended financing products to complete the transaction, and the failed recommendation means that the fund demander does not select one of the preset number of recommended financing products to complete the transaction;

[0181] Calculate the recommendation ratio of the no-recommendation result in the historical recommendation situation;

[0182] When the recommendation ratio is greater than a preset ratio, weight values ​​corresponding to at least some attributes are adjusted.

[0183] In a possible implementation manner, the device further includes an input unit 305, and the input unit 305 is used to:

[0184] Receiving the image information of the electronic debt certificate entered by the enterprise user;

[0185] Performing text recognition on the image information to obtain key information of the electronic debt certificate; the key information includes the serial number and expiration date of the electronic debt certificate;

[0186] Sending the key information to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate;

[0187] Receiving the verification result of the electronic debt certificate from the movable property financing registration service institution;

[0188] If the verification result is true and valid, the electronic debt certificate is added to the certificate list of the enterprise user.

[0189] In a possible implementation manner, the apparatus further includes a publishing unit 306, and the publishing unit 306 is configured to:

[0190] Generate financing product information based on the first operation of the enterprise user;

[0191] Based on the second operation of the enterprise user, at least one unused electronic debt certificate is selected from the certificate list as a security subject for the financing of the financing product information;

[0192] Generate and newly publish funding demand information including the financing product information and the at least one unused electronic debt certificate;

[0193] Store the newly released funding demand information into the demander information pool.

[0194] It should be noted that the division of units in the embodiments of the present application is schematic and is only a logical function division. There may be other division methods in actual implementation. In addition, each functional unit in each embodiment of the present application may be integrated into a processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0195] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a processor-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) or a processor (processor) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), disk or optical disk and other media that can store program codes.

[0196] It should be noted here that the above-mentioned device provided in the embodiment of the present invention can implement all the method steps implemented in the above-mentioned method embodiment, and can achieve the same technical effect. The parts and beneficial effects that are the same as the method embodiment in this embodiment will not be described in detail here.

[0197] Based on the same inventive concept, an embodiment of the present invention provides a device for matching electronic debt certificate transaction information, which is applied to an electronic debt certificate transaction platform and includes: at least one processor, and

[0198] a memory coupled to the at least one processor;

[0199] The memory stores instructions that can be executed by the at least one processor, and the at least one processor executes the electronic debt certificate transaction information matching method as described above by executing the instructions stored in the memory.

[0200] Based on the same inventive concept, an embodiment of the present invention further provides a readable storage medium, including:

[0201] Memory,

[0202] The memory is used to store instructions. When the instructions are executed by the processor, the device including the readable storage medium completes the electronic debt certificate transaction information matching method as described above.

[0203] The readable storage medium may be any available medium or data storage device that the processor can access, including volatile memory or non-volatile memory, or may include both volatile memory and non-volatile memory. As an example and not limitation, non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory, solid state disk (SSD), magnetic storage (e.g., floppy disk, hard disk, magnetic tape, magneto-optical disc (MO), etc.), optical storage (e.g., CD, DVD, BD, HVD, etc.). Volatile memory may include random access memory (RAM), which may act as an external cache memory. By way of example and not limitation, RAM is available in a variety of forms, such as dynamic random access memory (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced synchronous DRAM (ESDRAM), and synchronous link DRAM (SLDRAM). The memory devices of the disclosed aspects are intended to include, but are not limited to, these and other suitable types of memory.

[0204] Those skilled in the art will appreciate that the embodiments of the present invention may be provided as methods, systems, or program products. Therefore, the embodiments of the present invention may be in the form of complete hardware embodiments, complete software embodiments, or embodiments combining software and hardware. Moreover, the embodiments of the present invention may be in the form of machine program products implemented on one or more readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer / processor available program codes.

[0205] The embodiments of the present invention are described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0206] These program instructions may also be stored in a readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0207] These program instructions may also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer / processor-implemented process, thereby providing instructions executed on the computer / processor or other programmable device for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0208] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A method for matching electronic debt certificate transaction information, applied to an electronic debt certificate transaction platform, characterized in that: include: Obtain the funding demand information of the funding demander; wherein the funding demand information includes the electronic debt certificate used for financing and verified by the movable property financing registration service agency, the funding demand information is issued by the corporate user registered on the platform, or the funding demand information is obtained by information synchronization with a third-party platform recognized by the platform; Obtain the financing product demand information of each fund provider from the supplier information pool; Calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction object; Transaction matching is carried out based on the selection results returned by the party in need of funds.

2. The method according to claim 1, characterized in that Calculating the similarity between the fund demand information and the financing product demand information of each fund provider includes: Extracting key capital demand index values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; and extracting key condition index values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information; wherein the key capital demand index values ​​are used to characterize the first necessary information related to the electronic debt certificate transaction of the capital demander, and the key condition is used to characterize the second necessary information of the capital provider reviewing the electronic debt certificate transaction, and the first necessary information and the second necessary information contain at least partially overlapping contents; determining the score of each attribute corresponding to each financing product demand information according to whether each first attribute tag matches a second attribute tag of the same attribute among a plurality of second attribute tags corresponding to each financing product demand information; A weighted calculation is performed according to the score of each attribute corresponding to each financing product demand information and the weight corresponding to each attribute, and the obtained weighted calculation result is used as the similarity between each financing product demand information and the capital demand information.

3. The method according to claim 2, characterized in that Extracting key capital demand indicator values ​​from the capital demand information to obtain a plurality of first attribute tags corresponding to the capital demand information; And, extracting key condition indicator values ​​from each financing product demand information to obtain a plurality of second attribute tags corresponding to each financing product demand information, including: Attributes of the fund demand information and the financing product demand information are respectively abstracted; wherein the fund demand information includes basic information, credit information and financial information of the fund demander, and the financing product demand information includes financing product information and acceptable debt certificate information; The plurality of first attribute labels and the plurality of second attribute labels of each financing product demand information are generated according to the data indicator value corresponding to each attribute and the classification rule of the label contained in each attribute.

4. The method according to claim 2, characterized in that Before selecting the preset number of financing product demand information and recommending them to the fund demander, it also includes: Determining whether the similarity of each financing product demand information is less than a preset value; If the similarity of each financing product demand information is less than the preset value, it is determined that no recommendation result is recommended to the fund demander.

5. The method according to claim 4, characterized in that After calculating the similarity between the fund demand information and the financing product demand information of each fund provider, the method further includes: Recording each recommendation situation; the recommendation situation includes no recommendation result, successful recommendation and failed recommendation, the successful recommendation means that the fund demander selects one of the preset number of recommended financing products to complete the transaction, and the failed recommendation means that the fund demander does not select one of the preset number of recommended financing products to complete the transaction; Calculate the recommendation ratio of the no-recommendation result in the historical recommendation situation; When the recommendation ratio is greater than a preset ratio, weight values ​​corresponding to at least some attributes are adjusted.

6. The method according to any one of claims 1 to 5, characterized in that: Before obtaining the funding demand information of the funding demander, it also includes: Receiving the image information of the electronic debt certificate entered by the enterprise user; Performing text recognition on the image information to obtain key information of the electronic debt certificate; the key information includes the serial number and expiration date of the electronic debt certificate; Sending the key information to the movable property financing rating service agency to verify the authenticity and validity of the electronic debt certificate; Receiving the verification result of the electronic debt certificate from the movable property financing registration service institution; If the verification result is true and valid, the electronic debt certificate is added to the certificate list of the enterprise user.

7. The method according to claim 6, characterized in that Before obtaining the funding demand information of the funding demander, it also includes: Generate financing product information based on the first operation of the enterprise user; Based on the second operation of the enterprise user, at least one unused electronic debt certificate is selected from the certificate list as a security subject for the financing of the financing product information; Generate and newly publish funding demand information including the financing product information and the at least one unused electronic debt certificate; Store the newly released funding demand information into the demander information pool.

8. A device for matching electronic debt certificate transaction information, applied to an electronic debt certificate transaction platform, characterized in that: include: An acquisition unit is used to acquire the capital demand information of the capital demander; wherein the capital demand information includes an electronic debt certificate used for financing and verified by a movable property financing registration service agency, and the capital demand information is issued by an enterprise user of this platform, or the capital demand information is obtained by information synchronization with a third-party platform recognized by this platform; and the financing product demand information of each capital provider is acquired from the supplier information pool; A calculation unit, used to calculate the similarity between the fund demand information and the financing product demand information of each fund provider; sort all the calculated similarities in descending order, and select a preset number of financing product demand information to recommend to the fund demander, so that the fund demander can select a transaction object; The matching unit is used to match transactions according to the selection results returned by the fund demander.

9. A device for matching electronic debt certificate transaction information, applied to an electronic debt certificate transaction platform, characterized in that: include: at least one processor, and a memory coupled to the at least one processor; The memory stores instructions that can be executed by the at least one processor, and the at least one processor executes the method according to any one of claims 1 to 7 by executing the instructions stored in the memory.

10. A readable storage medium, characterized in that: Including memory, The memory is used to store instructions. When the instructions are executed by the processor, the device including the readable storage medium implements the method according to any one of claims 1 to 7.

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