Credit granting processing method and device, computer storage medium and terminal

Abstract

A credit granting processing method and device, a computer storage medium and a terminal, the method comprising: for each dealer, determining credit granting data information corresponding to each business type of the dealer, the business type comprising business and also comprising promotion and / or engineering; generating macro data information of each dealer according to the determined credit granting data information; and according to the order information, credit granting data information and macro data information of the dealer are updated. According to the embodiment of the invention, the credit granting data information corresponding to each business type of the dealer is determined, the credit granting data information of the dealer is automatically determined, the macro data information is generated according to the credit granting data information, and the credit granting data information and the macro data information are automatically updated according to the order information, so that human intervention is reduced, and the efficiency is improved. And the credit granting data processing efficiency is improved.

Description

Technical Field

[0001] The present invention relates to supply chain data management technology, and more particularly to a credit processing method, device, computer storage medium and terminal. Background Art

[0002] Credit is a general management method for the credit line issued by suppliers to dealers. Currently in the field of B2B sales supply chain, suppliers issue a certain credit line to dealers, and dealers use this credit to purchase the supplier's products and services. Within the specified time, the supplier manages the dealer's payment collection and determines the subsequent credit line issuance to the supplier.

[0003] In normal credit management, suppliers only need to determine the credit limit and payment period of dealers, but there is no effective data to determine the subsequent issuance of credit limits, and there is no corresponding constraint management. Suppliers can only determine the payment period through process contracts and relationships with dealers, and the issuance of credit by suppliers can only be manually reviewed and judged through the relationship with dealers. How to determine a reasonable payment period, constrain dealers to pay back in time, limit the credit issuance limit for dealers with doubts about payment, reduce corporate risks, and reduce corporate management costs are issues that need to be addressed. Summary of the invention

[0004] The present application embodiment provides a credit processing method, including: For each dealer, determine the corresponding credit data information for each business type of the dealer, where the business type includes sales, promotion and / or engineering; Generate macro data information for each dealer based on the determined credit data information; Based on the order information, update the dealer's credit data and macro data information.

[0005] On the other hand, an embodiment of the present application further provides a computer storage medium, in which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned credit processing method is implemented.

[0006] On the other hand, an embodiment of the present application further provides a terminal, comprising: a memory and a processor, wherein the memory stores a computer program; wherein: The processor is configured to execute the computer program in the memory; When the computer program is executed by the processor, the credit processing method as described above is implemented.

[0007] In another aspect, the embodiment of the present application further provides a credit processing device, comprising: a determination unit, a generation unit and an update unit; wherein: The determination unit is configured to: determine, for each dealer, corresponding credit data information for each business type of the dealer, wherein the business type includes sales, promotion and / or engineering; The generating unit is configured to: generate macro data information of each dealer according to the determined credit data information; The updating unit is set to: update the dealer's credit data information and macro data information according to the order information.

[0008] The disclosed embodiment determines the credit data information corresponding to each business type of the dealer, realizes the automatic determination of the dealer's credit data information, generates macro data information based on the credit data information, and automatically updates the credit data information and macro data information based on the order information, thereby reducing human intervention and improving the efficiency of credit data processing.

[0009] Other features and advantages of the present application will be described in the following description, and partly become apparent from the description, or be understood by implementing the present application. Other advantages of the present application can be realized and obtained by the schemes described in the description and the drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] The accompanying drawings are used to provide an understanding of the technical solution of the present application and constitute a part of the specification. Together with the embodiments of the present application, they are used to explain the technical solution of the present application and do not constitute a limitation on the technical solution of the present application.

[0011] Figure 1 A flowchart of a credit processing method according to an embodiment of the present disclosure; Figure 2 A flow chart of a method for credit processing in which the business type is business operation in an embodiment of the present disclosure; Figure 3 A flow chart of a method for credit processing in which the business type is promotion in an embodiment of the present disclosure; Figure 4 A flowchart of a method for credit processing in which the business type is engineering in an embodiment of the present disclosure; Figure 5 The present invention is a block diagram of the structure of the credit processing device according to the embodiment of the present invention. DETAILED DESCRIPTION

[0012] The present application describes multiple embodiments, but the description is exemplary rather than restrictive, and it is obvious to those skilled in the art that there may be more embodiments and implementations within the scope of the embodiments described in the present application. Although many possible feature combinations are shown in the drawings and discussed in the specific embodiments, many other combinations of the disclosed features are also possible. Unless specifically limited, any feature or element of any embodiment may be used in combination with any other feature or element in any other embodiment, or may replace any other feature or element in any other embodiment.

[0013] The present application includes and contemplates combinations of features and elements known to those of ordinary skill in the art. The embodiments, features and elements disclosed in the present application may also be combined with any conventional features or elements to form a unique invention scheme. Any features or elements of any embodiment may also be combined with features or elements from other invention schemes to form another unique invention scheme. Therefore, it should be understood that any feature shown and / or discussed in the present application may be implemented individually or in any appropriate combination. Therefore, except for the limitations made according to the attached claims and their equivalents, the embodiments are not subject to other restrictions. In addition, various modifications and changes may be made within the scope of protection of the attached claims.

[0014] In addition, when describing representative embodiments, the specification may have presented the method and / or process as a specific sequence of steps. However, to the extent that the method or process does not rely on the specific order of the steps described herein, the method or process should not be limited to the steps of the specific order described. As will be understood by those of ordinary skill in the art, other sequences of steps are also possible. Therefore, the specific sequence of the steps set forth in the specification should not be interpreted as a limitation to the claims. In addition, the claims for the method and / or process should not be limited to the steps of performing them in the order written, and those skilled in the art can easily understand that these sequences can be changed and still remain within the spirit and scope of the embodiments of the present application.

[0015] Figure 1 FIG. 1 is a flow chart of credit processing in an embodiment of the present disclosure. Figure 1 As shown, including: Step 101: for each dealer, determine the credit data information corresponding to each business type of the dealer, wherein the business type includes sales, promotion and / or engineering; Step 102: Generate macro data information of each dealer according to the determined credit data information; Step 103: Update the dealer's credit data information and macro data information according to the order information.

[0016] The disclosed embodiment determines the credit data information corresponding to each business type of the dealer, realizes the automatic determination of the dealer's credit data information, generates macro data information based on the credit data information, and automatically updates the credit data information and macro data information based on the order information, thereby reducing human intervention and improving the efficiency of credit data processing.

[0017] In an exemplary embodiment, the embodiment of the present disclosure can distinguish different dealers by dealer name, dealer number, etc. with reference to the relevant technology. For each dealer, the credit granting process of the above steps 101 to 103 is performed respectively.

[0018] In an exemplary embodiment, the embodiment of the present disclosure determines the corresponding credit data information for each business type of the dealer, which may include: determining the corresponding credit data information for each business type based on the dealer's historical order sales and the number of times the payment was not collected on time.

[0019] The disclosed embodiment determines credit data information based on the dealer's historical order sales and the number of times payment was not collected on time, positively responds to the dealer's timely payment, provides data support for shortening the payment collection cycle, and provides information support for reducing the company's payment collection risk.

[0020] In an exemplary embodiment, the embodiment of the present disclosure generates macro data information of a dealer according to the determined credit data information, including: Generate dealer's macro data information based on the dealer's credit data information when the dealer's business type is in operation.

[0021] The following is an example of the corresponding authorization processing flow for different business types.

[0022] In an exemplary embodiment, the embodiment of the present disclosure refers to the relevant business process to review and approve the credit application. For the business credit application, the business manager enters one or more business credit activation applications for business; the entered business credit activation applications are sent one by one or in batches to the regional company or Longpai Business for approval (for example, the application is received through corporate WeChat for approval); when the business credit activation application does not meet the relevant requirements with reference to the relevant standards, the business credit activation application is rejected; when the business credit activation application meets the relevant requirements, the embodiment of the present disclosure executes Figure 2 The credit processing shown includes: Step 201: upon receiving the information of the application for business credit opening, the credit data information corresponding to the business is generated according to the historical order sales and the number of untimely payment collections; Step 202: Generate dealer macro data information based on the generated business corresponding credit data information; Step 203: Update the dealer's credit data information and macro data information according to the order information.

[0023] In an exemplary embodiment, the embodiment of the present disclosure refers to the relevant business process to review and approve the credit application. For the promotional credit activation application, after the cashier receives the dealer's order information, it fills in the promotional credit activation application according to the order information and sends it to the business manager. The business manager receives and approves the promotional credit activation application and sends it to the regional company or Longpai Business for approval one by one or in batches (for example, after receiving the application through corporate WeChat, it is reviewed and approved); when the promotional credit activation application does not meet the relevant requirements with reference to the relevant standards, the promotional credit activation application is rejected and the promotion order is called back; when the promotional credit activation application meets the relevant requirements, the embodiment of the present disclosure executes Figure 3 The credit processing corresponding to the promotion shown includes: Step 301: upon receiving information on an application for promotional credit opening, generate credit data information corresponding to the promotion based on historical order sales and the number of untimely payment returns; Step 302: Update the dealer's credit data and macro data information according to the order information.

[0024] In an exemplary embodiment, the embodiment of the present disclosure refers to the relevant business process to review and approve the credit application. For the project credit activation application, the dealer fills out the project credit activation application and sends it to the business manager. The business manager receives and approves the project credit activation application and sends it to the regional company or Longpai Business for approval one by one or in batches (for example, the application is received through corporate WeChat for approval); when the project credit activation application does not meet the relevant requirements with reference to the relevant standards, the project credit activation application is rejected, and the embodiment of the present disclosure executes the rejection application processing; when the project credit activation application meets the relevant requirements, the embodiment of the present disclosure executes Figure 4 The credit processing project corresponding to the promotion shown includes: Step 401: upon receiving information on the project credit application, generating credit data information corresponding to the project based on historical order sales and the number of untimely payment collections; Step 402: Update the dealer's credit data information and macro data information according to the order information.

[0025] In an exemplary instance, when an embodiment of the present disclosure generates one or any combination of the following information, associated users including business managers and dealers may be notified by means including text messages and / or in-site messages: credit data information corresponding to business operations, credit data information corresponding to promotions, credit data information corresponding to projects, and macro data information.

[0026] In an exemplary embodiment, the credit data information corresponding to the business in the embodiment of the present disclosure may include: dealer name, credit limit in a single account period, account period and credit balance.

[0027] In an exemplary instance, the macro data information in the embodiment of the present disclosure may include: dealer name, macro total amount, macro occupancy and macro balance; wherein the macro total amount is equal to the product of the credit within a single account period and the account period; for example, the credit within a single account period of dealer A is 1 million, and the account period is 30, then the macro total amount is equal to 30 million.

[0028] In an exemplary instance, the credit data information corresponding to the promotion in the embodiment of the present disclosure may include: dealer name, whether it is activated, the credit limit corresponding to the promotion, order, validity period, and credit balance.

[0029] In an exemplary instance, the credit data information corresponding to the project in the embodiment of the present disclosure may include: dealer name, whether it is activated, data time, credit limit corresponding to the project, validity period and credit balance.

[0030] In an exemplary embodiment, the order information in the embodiment of the present disclosure may include: the business type to which the order belongs, the order time, the order status and the order amount; the embodiment of the present disclosure updates the credit data information and macro data information of the dealer according to the order information, including: When receiving an order submitted by a dealer, determine the credit data information of the corresponding business type according to the business type of the order; Freeze the credit limit in the credit data information of the corresponding business type according to the order amount; When an order is rejected, the frozen credit line will be unfrozen and restored; When the order is accepted, the frozen credit limit is unfrozen and deducted, and the macro data information is updated according to the deducted authorized limit.

[0031] The disclosed embodiment determines the credit data information of the corresponding business type according to the business type to which the order belongs, including: when the business type to which the order belongs is business, the credit data information corresponding to business; when the business type to which the order belongs is promotion, the credit data information corresponding to promotion; when the business type to which the order belongs is engineering, the credit data information corresponding to engineering.

[0032] In an exemplary embodiment, the embodiment of the present disclosure updates the credit data information and macro data information of the dealer according to the order information, and further includes: When receiving an application for approval to cancel an order, confirm the order amount of the canceled order; According to the determined order amount of the cancelled order, the credit limit recovery of the credit data information of the corresponding business type is updated according to the business type to which the order belongs; The dealer's macro data information is updated according to the restored credit limit.

[0033] In an exemplary embodiment, the method of updating macro data information in the embodiment of the present disclosure includes: The macro data information is updated according to a preset time, where the preset time may be a time when the service center is not busy, for example, 4 am.

[0034] In an exemplary embodiment, the method of the present disclosure further includes: When the repayment information is received, the credit limit in the credit data information and the recovery processing of the macro occupancy in the macro data are executed according to the order corresponding to the repayment.

[0035] In an exemplary instance, when the embodiment of the present disclosure includes multiple dealers, the credit data information and macro data information of each dealer can be distinguished according to the dealer ID. When a repayment is received, the credit data information and macro data information of the corresponding dealer are returned by determining the dealer who repays the repayment.

[0036] In an exemplary embodiment, when the embodiment of the present disclosure includes multiple repayment information, the credit limit recovery process can be performed in the order of repayment time.

[0037] The disclosed embodiment can be used in transactions between first-level and second-level Class A dealers to make payments based on the credit line provided by the supplier, with goods first and payment later, and then complete repayment within the account period to restore the credit line. The disclosed embodiment can manage each branch and subsidiary of the supplier according to the corresponding credit data information, which may include: management of dealer credit qualifications; management and use of dealer fixed credit lines and fixed credit account periods; management and use of dealer credit macro data; management and use of temporary credit lines (engineering credit) and temporary credit account periods for project contracts; management and use of temporary credit lines (promotional credit) and temporary credit account periods for specific orders; generation of credit bills; generation of credit occupation fees; and credit write-offs. The supplier of the disclosed embodiment can build a basic framework for credit management based on the above method, and form a management view for platform operations, merchant operations, and dealers, opening up dealer credit viewing, management, application, activation, closure, adjustment, and approval capabilities.

[0038] The embodiment of the present disclosure also provides a computer storage medium, in which a computer program is stored. When the computer program is executed by a processor, the above-mentioned credit processing method is implemented.

[0039] The embodiment of the present disclosure further provides a terminal, comprising: a memory and a processor, wherein a computer program is stored in the memory; The processor is configured to execute the computer program in the memory; When the computer program is executed by a processor, the above-mentioned credit processing method is implemented.

[0040] Figure 5 is a structural block diagram of the device for credit processing according to an embodiment of the present disclosure, such as Figure 5 As shown, it includes: a determination unit, a generation unit and an update unit; wherein, The determination unit is configured to: determine, for each dealer, corresponding credit data information for each business type of the dealer, wherein the business type includes sales, promotion and / or engineering; The generating unit is configured to: generate macro data information of each dealer according to the determined credit data information; The updating unit is set to: update the dealer's credit data information and macro data information according to the order information.

[0041] In an exemplary embodiment, the determination unit of the embodiment of the present disclosure is configured as follows: Determine the corresponding credit data information for each business type based on the dealer's historical order sales and the number of times payment was not collected on time.

[0042] In an exemplary embodiment, the generation unit of the embodiment of the present disclosure is configured as follows: Generate dealer's macro data information based on the dealer's credit data information when the dealer's business type is in operation.

[0043] In an exemplary embodiment, the present disclosure: When the business type includes business, the corresponding credit data information includes: dealer name, credit limit in a single account period, account period and credit balance; When the business type includes promotion, the credit data information corresponding to the promotion includes: dealer name, whether it is activated, credit limit corresponding to the promotion, order, validity period and credit balance; When the business type includes projects, the credit data information corresponding to the projects includes: dealer name, whether it is activated, data time, credit limit corresponding to the project, validity period and credit balance.

[0044] In one exemplary embodiment, the macro data information in the disclosed embodiment includes: dealer name and macro total amount, macro occupancy and macro balance; Among them, the macro total amount is equal to the product of the credit limit in a single accounting period and the accounting period.

[0045] In an exemplary embodiment, the order information in the embodiment of the present disclosure includes: the business type to which the order belongs, the order time, the order status and the order amount; the updating unit in the embodiment of the present disclosure is configured as: When receiving an order submitted by a dealer, determine the credit data information of the corresponding business type according to the business type of the order; Freeze the credit limit in the credit data information of the corresponding business type according to the order amount; When an order is rejected, the frozen credit line will be unfrozen and restored; When the order is accepted, the frozen credit limit is unfrozen and deducted, and the macro data information is updated according to the deducted authorized limit.

[0046] In an exemplary embodiment, the updating unit of the embodiment of the present disclosure is further configured to: When receiving an application for approval to cancel an order, confirm the order amount of the canceled order; According to the determined order amount of the cancelled order, the credit limit recovery of the credit data information of the corresponding business type is updated according to the business type to which the order belongs; The dealer's macro data information is updated according to the restored credit limit.

[0047] In an exemplary embodiment, the updating unit of the embodiment of the present disclosure is further configured to: When the repayment information is received, the credit limit in the credit data information and the recovery processing of the macro occupancy in the macro data are executed according to the order corresponding to the repayment. It can be understood by those skilled in the art that all or some steps, systems, and functional modules / units in the above disclosed method can be implemented as software, firmware, hardware, and appropriate combinations thereof. In hardware implementation, the division between the functional modules / units mentioned in the above description does not necessarily correspond to the division of physical components; for example, a physical component can have multiple functions, or a function or step can be performed by several physical components in cooperation. Some components or all components can be implemented as software executed by a processor, such as a digital signal processor or a microprocessor, or implemented as hardware, or implemented as an integrated circuit, such as an application-specific integrated circuit. Such software can be distributed on a computer-readable medium, which can include a computer storage medium (or non-transitory medium) and a communication medium (or transient medium). As is well known to those skilled in the art, the term "computer storage medium" includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information (such as computer-readable instructions, data structures, program modules, or other data). Computer storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tapes, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to store the desired information and can be accessed by a computer. In addition, it is well known to those skilled in the art that communication media typically contain computer-readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave or other transport mechanism, and may include any information delivery media.

Claims

1. A credit processing method, characterized in that: include: For each dealer, determine the corresponding credit data information for each business type of the dealer, where the business type includes sales, promotion and / or engineering; Generate macro data information for each dealer based on the determined credit data information; Based on the order information, update the dealer's credit data and macro data information.

2. The method according to claim 1, characterized in that The determination of the corresponding credit data information for each business type of the dealer includes: The credit data information corresponding to each business type is determined based on the dealer's historical order sales and the number of times payment was not collected on time.

3. The method according to claim 1, characterized in that The macro data information of each dealer is generated according to the determined credit data information, including: The macro data information of the dealer is generated according to the credit data information when the business type of the dealer is open for business.

4. The method according to any one of claims 1 to 3, characterized in that: When the business type includes business, the credit data information corresponding to the business includes: dealer name, credit limit within a single account period, account period and credit balance; When the business type includes promotion, the credit data information corresponding to the promotion includes: dealer name, whether it is activated, credit limit corresponding to the promotion, order, validity period and credit balance; When the business type includes a project, the credit data information corresponding to the project includes: dealer name, whether it is activated, data time, credit limit corresponding to the project, validity period and credit balance.

5. The method according to claim 4, characterized in that The macro data information includes: dealer name and macro total amount, macro occupancy and macro balance; The macro total amount is equal to the product of the credit limit in the single account period and the account period.

6. The method according to claim 5, characterized in that The order information includes: the business type of the order, the order time, the order status and the order amount; the updating of the dealer's credit data information and macro data information according to the order information includes: When receiving the order submitted by the dealer, determining the credit data information corresponding to the business type according to the business type of the order; Freezing the credit limit in the determined credit data information of the corresponding business type according to the order amount; When the order is rejected, the frozen credit line is unfrozen and restored; When the order is accepted, the frozen credit limit is unfrozen and deducted, and the macro data information is updated according to the deducted authorization limit.

7. The method according to claim 6, characterized in that The updating of the dealer's credit data information and macro data information according to the order information also includes: Upon receiving an application for approval to cancel an order, confirm the order amount of the canceled order; According to the determined order amount of the canceled order, updating the credit limit of the credit data information of the corresponding business type according to the business type to which the order belongs; The macro data information of the dealer is updated according to the restored credit limit.

8. The method according to claim 5, characterized in that The method further comprises: When the repayment information is received, the credit limit in the credit data information and the recovery processing of the macro occupancy in the macro data are executed according to the order corresponding to the repayment.

9. A computer storage medium, wherein a computer program is stored in the computer storage medium, and when the computer program is executed by a processor, the method for credit processing as claimed in any one of claims 1 to 8 is implemented.

10. A terminal, comprising: A memory and a processor, wherein the memory stores a computer program; wherein, The processor is configured to execute the computer program in the memory; When the computer program is executed by the processor, the method for credit processing according to any one of claims 1 to 8 is implemented.

11. A credit processing device, comprising: Determine unit, generate unit and update unit; wherein, The determination unit is configured to: determine, for each dealer, corresponding credit data information for each business type of the dealer, wherein the business type includes sales, promotion and / or engineering; The generating unit is configured to: generate macro data information of each dealer according to the determined credit data information; The updating unit is set to: update the dealer's credit data information and macro data information according to the order information.

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