Credit management method and related device

Abstract

The present application discloses a credit management method and a related device. The method comprises: firstly, receiving a credit evaluation request, the credit evaluation request being used for instructing to perform credit evaluation on a credit object associated with a first user; then, on the basis of the credit evaluation request, determining credit configuration data associated with the first user, the credit configuration data comprising a plurality of credit branches, each credit branch being used for performing credit evaluation of one dimension on the credit object, the plurality of credit branches comprising a plurality of credit branches of different dimensions, and each credit branch comprising a credit utilization evaluation mode and a credit calculation formula; and finally, obtaining a credit result for the credit evaluation request on the basis of the credit configuration data. By implementing the present application, when credit evaluation is performed on credit objects, the accuracy of credit evaluation results can be improved, and refined management of the credit objects can be achieved.

Description

A credit management method and related device

[0001] The present application claims priority to the Chinese patent application No. 202410543600.6, filed on April 30, 2024, and entitled "A credit management method and related device", the whole content of which is incorporated herein by reference. TECHNICAL FIELD

[0002] The present application relates to the field of finance, and in particular to a credit management method, device, computing device, computing device cluster, credit management system, computer-readable storage medium, and computer program product containing instructions. BACKGROUND

[0003] Credit refers to the consideration of factors that affect the assessment results of the amount of credit sales, including regional risk, financial status of customers / partners, historical transaction records, etc. The financial support provided by the supplier to the customer is the amount of money that the customer can purchase the products or services provided by the supplier and then pay. In simple terms, credit refers to the amount of credit that the supplier allows the customer to sell. Enterprises can ensure the safety and stability of business cooperation with customers through credit management.

[0004] Currently, credit assessment is mainly made for the whole enterprise, and such assessment cannot consider the differences between different businesses and different departments of the enterprise, resulting in low accuracy of credit assessment results. SUMMARY

[0005] The present application discloses a credit management method and related device, which can realize fine management of credit objects, is conducive to improving the accuracy of credit assessment results, and is conducive to improving the operability, flexibility, and adaptability of credit.

[0006] In a first aspect, the present application provides a credit management method, which comprises: first, obtaining a credit assessment request, the credit assessment request being used to indicate that a credit assessment is performed on a credit object associated with a first user; then, determining credit configuration data associated with the first user according to the credit assessment request, the credit configuration data comprising a plurality of credit branches, the plurality of credit branches comprising a plurality of credit branches of different dimensions, each credit branch of the plurality of credit branches being used to perform credit assessment of one dimension on the credit object, and each credit branch comprising a credit occupation assessment method and a credit calculation formula; and finally, determining a credit result of the credit assessment request according to the credit configuration data, the credit result comprising at least one of a total amount of credit occupation of the credit object, a credit amount corresponding to each credit branch of the plurality of credit branches, a credit occupation amount, and a credit balance, or a sorting result of the plurality of credit branches.

[0007] Each credit branch includes a dimension value of each credit dimension corresponding to the credit object. In different credit branches, there are at least one dimension value of the credit dimension different. The credit dimension refers to a factor affecting the credit assessment result of the credit object. The dimension value of the credit dimension is the specific or instantiation of the credit dimension.

[0008] Exemplarily, the credit dimension includes industry, region, transaction country, product, sales mode, currency, business source or business mode, etc. Taking the credit dimension of industry as an example, the dimension value of the credit dimension can include digital energy, consumer business, etc.

[0009] Through the above method, one credit object can have multiple credit branches of different dimensions, each credit branch is used to perform credit assessment of one dimension on the credit object, and through the multiple credit branches, credit assessment of different dimensions can be performed on the credit object respectively, so that the credit assessment of the credit object is more refined, the accuracy of the credit assessment result of the credit object can be improved, and independent management of the credit object under different dimensions is also realized.

[0010] Optionally, the credit occupation assessment mode includes a signed and not returned mode and a sent and not returned mode, when the credit occupation assessment mode is the signed and not returned mode, the credit calculation formula includes a first group of formulas corresponding to the signed and not returned mode, the credit occupation amount calculated by the first group of formulas is the signed and not returned amount; when the credit occupation assessment mode is the sent and not returned mode, the credit calculation formula includes a second group of formulas corresponding to the sent and not returned mode, the credit occupation amount calculated by the second group of formulas is the sent and not returned amount.

[0011] The credit occupation assessment modes of different credit branches can be the same or different. The credit calculation formulas of different credit branches can be the same or different. For example, if the credit occupation assessment mode of the credit branch 1 is the same as that of the credit branch 2, the credit calculation formula of the credit branch 1 can be the same as or different from that of the credit branch 2. In this way, the credit calculation formulas of different credit branches of the credit object can be diversified, increasing the flexibility and adaptability of credit management.

[0012] In the case where the credit branch is configured with the credit calculation formula corresponding to the signed and not returned mode and the credit calculation formula corresponding to the sent and not returned mode, based on the credit occupation assessment mode of the credit branch, the credit calculation formula applied by the credit branch can be accurately matched from the credit calculation formula of the credit branch when subsequent credit occupation calculation is performed.

[0013] Optionally, the plurality of credit branches includes a first credit branch, and determining the credit result of the credit evaluation request according to the credit configuration data comprises: first, determining the credit occupation evaluation method used by the first credit branch based on the first credit branch; then, determining a target formula from the credit calculation formula in the first credit branch based on the credit occupation evaluation method used by the first credit branch, the target formula being the first group of formulas or the second group of formulas; and finally, determining the credit result corresponding to the first credit branch of the credit object according to the first credit branch and the target formula.

[0014] For any credit branch in the plurality of credit branches, in order to calculate the credit result (e.g. credit occupation amount) corresponding to the credit branch, the credit occupation evaluation method of the credit branch needs to be known first. Based on the credit occupation evaluation method of the credit branch, it can be determined whether the first group of formulas or the second group of formulas should be used when performing credit evaluation. Based on the determined formula to be used, the credit evaluation of the credit object in the dimension of the credit branch is performed.

[0015] Optionally, determining the credit result corresponding to the first credit branch of the credit object according to the first credit branch and the target formula comprises: first, obtaining the credit dimension corresponding to the credit object and the dimension value of the credit dimension based on the first credit branch; then, extracting target contract data from the contract dimension table data based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension, the fields in the contract dimension table data including the credit dimension corresponding to the credit object and the parameter item in the target formula; and finally, performing calculation according to the target formula and the target contract data to obtain the credit result corresponding to the first credit branch of the credit object.

[0016] The credit dimension corresponding to the first credit branch is included in the fields of the contract dimension table data. Based on the dimension value of each credit dimension in the first credit branch, target contract data matching the first credit branch can be extracted from the contract dimension table data. The target contract data includes the value of the parameter item in the target formula. By substituting the target contract data into the determined target formula, the credit occupation amount of the credit object under the first credit branch can be calculated, thereby realizing the credit evaluation of the credit object in the dimension of the first credit branch.

[0017] Optionally, performing calculation according to the target formula and the target contract data comprises: using the target formula to calculate the credit occupation amount of each contract in the target contract data and the credit occupation amount corresponding to the first credit branch of the credit object, the credit occupation amount corresponding to the first credit branch of the credit object being associated with the credit occupation amount of each contract in the target contract data.

[0018] In the calculation of the credit occupation amount of each contract in the target contract data using the target formula, the target formula includes at least one formula, based on the execution order between the at least one formula, the credit occupation amount of each contract in the target contract data can be calculated first, and then the credit occupation amount corresponding to the first credit branch of the credit object is obtained according to the credit occupation amount of each contract in the target contract data, thereby improving the processing efficiency of the credit occupation calculation.

[0019] Optionally, the target formula includes a plurality of contract types, and the credit occupation amount of each contract in the target contract data is calculated using the target formula according to the contract type of the contract in the target contract data.

[0020] In the implementation of the above-mentioned implementation, when calculating the credit occupation amount of each contract, the calculation formula used for different contract types can be different, that is, the target formula includes a calculation formula corresponding to each contract type in a plurality of contract types, for any contract type, the calculation formula corresponding to the contract type is used to calculate the credit occupation amount of the contract, in this way, the setting of the credit calculation formula is more refined, and the differences between different contract types are considered, which is beneficial to increase the accuracy of the credit evaluation result.

[0021] Optionally, when the target formula includes a parameter item of the credit dimension, the method further includes: obtaining the value of the parameter item of the credit dimension from the customer dimension table data based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension; and performing the calculation according to the target formula and the target contract data, including: performing the calculation according to the target formula, the target contract data and the value of the parameter item of the credit dimension.

[0022] Exemplarily, the parameter item in the target formula includes a contract dimension parameter and a credit dimension parameter item, the contract dimension parameter is for a contract, and the value of the contract dimension parameter under different contracts can be different; the credit dimension parameter item refers to a parameter item corresponding to a credit branch, and is for a credit branch, and the value of the credit dimension parameter item under different credit branches can be different.

[0023] In the implementation of the above-mentioned implementation, when the target formula further includes a parameter item of the credit dimension, in the calculation of the credit occupation amount of the credit object under the first credit branch, not only the target contract data is relied on, but also the customer dimension table data, wherein the target contract data provides the value of the parameter item of the contract dimension for the calculation of the target formula, and the target credit data provides the value of the parameter item of the credit dimension for the calculation of the target formula. In this way, the credit management of the credit object is more refined.

[0024] Optionally, before the obtaining the credit assessment request, the method further comprises: obtaining, through the configuration interface, a credit dimension corresponding to the credit object and a dimension value of the credit dimension; constructing the plurality of credit branches based on the credit dimension corresponding to the credit object, the dimension value of the credit dimension, and a corresponding relationship between the dimension values of different credit dimensions; and generating the credit configuration data according to the plurality of credit branches.

[0025] Illustratively, the configuration interface can be in the form of a graphical user interface (GUI) or an application programming interface (API), etc.

[0026] Implementing the above implementation manner, the relevant configuration information input by the user, such as the credit dimension corresponding to the credit object, the dimension value of the credit dimension, etc., can be obtained through the configuration interface, and the plurality of credit branches of the credit object can be constructed based on the recorded corresponding relationship between the dimension values of different credit dimensions, so as to generate the credit configuration data. In this way, the personalized configuration of the credit dimension of the credit object is supported.

[0027] Optionally, the method further comprises: obtaining, through the configuration interface, a credit occupation evaluation manner and a credit calculation formula of each credit branch in the plurality of credit branches; and generating the credit configuration data according to the plurality of credit branches, comprising: generating the credit configuration data according to the plurality of credit branches, the credit occupation evaluation manner of each credit branch, and the credit calculation formula.

[0028] Implementing the above implementation manner, the credit occupation evaluation manner and the credit calculation formula input by the user for each credit branch can also be obtained through the configuration interface, and the plurality of credit branches are combined to generate the credit configuration data. In this way, the personalized configuration of the credit calculation formula of different credit branches is supported.

[0029] In a second aspect, the present application provides a credit management device, comprising: an obtaining module configured to obtain a credit evaluation request, the credit evaluation request being used to indicate to perform credit evaluation on a credit object associated with a first user; a processing module configured to determine, according to the credit evaluation request, credit configuration data associated with the first user, the credit configuration data comprising a plurality of credit branches, the plurality of credit branches comprising a plurality of credit branches of different dimensions, each of the plurality of credit branches being used to perform credit evaluation of one dimension on the credit object, and each of the plurality of credit branches comprising a credit occupation evaluation method and a credit calculation formula; and the processing module is further configured to determine, according to the credit configuration data, a credit result of the credit evaluation request, the credit result comprising at least one of a total credit occupation amount of the credit object, a credit amount corresponding to each of the plurality of credit branches, a credit occupation amount and a credit balance of the credit object, or a sorting result of the plurality of credit branches.

[0030] Optionally, the credit occupation evaluation method comprises a signed and not returned method and a sent and not returned method, when the credit occupation evaluation method is the signed and not returned method, the credit calculation formula comprises a first group of formulas corresponding to the signed and not returned method, the credit occupation amount calculated by the first group of formulas is referred to as a signed and not returned amount; and when the credit occupation evaluation method is the sent and not returned method, the credit calculation formula comprises a second group of formulas corresponding to the sent and not returned method, the credit occupation amount calculated by the second group of formulas is referred to as a sent and not returned amount.

[0031] Optionally, the plurality of credit branches comprises a first credit branch, and the processing module is specifically configured to: determine, based on the first credit branch, a credit occupation evaluation method used by the first credit branch; determine, based on the credit occupation evaluation method used by the first credit branch, a target formula from the credit calculation formula in the first credit branch, the target formula being the first group of formulas or the second group of formulas; and determine, according to the first credit branch and the target formula, a credit result corresponding to the first credit branch of the credit object.

[0032] Optionally, the processing module is specifically configured to: obtain, based on the first credit branch, a credit dimension corresponding to the credit object and a dimension value of the credit dimension; extract, based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension, target contract data from contract dimension table data, a field in the contract dimension table data comprising the credit dimension corresponding to the credit object and a parameter item in the target formula; and perform calculation according to the target formula and the target contract data to obtain the credit result corresponding to the first credit branch of the credit object.

[0033] Optionally, the processing module is specifically configured to: calculate, using the target formula, a credit occupation amount of each contract in the target contract data and a credit occupation amount corresponding to the first credit branch of the credit object, the credit occupation amount corresponding to the first credit branch of the credit object being associated with the credit occupation amount of each contract in the target contract data.

[0034] Optionally, the processing module is specifically configured to: calculate the credit occupation amount of each contract in the target contract data according to the contract type of the contract in the target contract data and using the target formula.

[0035] Optionally, in the case that the target formula includes a parameter item of a credit dimension, the processing module is specifically configured to: obtain the value of the parameter item of the credit dimension from the customer dimension table data based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension; and perform the calculation according to the target formula, the target contract data and the value of the parameter item of the credit dimension.

[0036] Optionally, the obtaining module is further configured to obtain the credit dimension corresponding to the credit object and the dimension value of the credit dimension through the configuration interface; the processing module is further configured to construct the plurality of credit branches based on the credit dimension corresponding to the credit object, the dimension value of the credit dimension and the corresponding relationship between the dimension values of different credit dimensions; and the processing module is further configured to generate the credit configuration data according to the plurality of credit branches.

[0037] Optionally, the obtaining module is further configured to obtain the credit occupation evaluation mode and the credit calculation formula of each credit branch in the plurality of credit branches through the configuration interface; and the processing module is further configured to generate the credit configuration data according to the plurality of credit branches, the credit occupation evaluation mode and the credit calculation formula of each credit branch.

[0038] In a third aspect, the present application provides a credit configuration data generation method, which comprises: determining a plurality of credit branches of a credit object, the plurality of credit branches including a plurality of credit branches of different dimensions, each credit branch in the plurality of credit branches being used to perform credit evaluation of one dimension for the credit object; determining the credit occupation evaluation mode and the credit calculation formula of each credit branch in the plurality of credit branches; and generating credit configuration data according to the plurality of credit branches of the credit object and the credit occupation evaluation mode and the credit calculation formula of each credit branch.

[0039] In the above method, a plurality of credit branches are constructed for the credit object from different dimensions, and the credit occupation evaluation mode and the credit calculation formula of each credit branch are determined to generate credit configuration data. Each credit branch in the credit configuration data can implement credit evaluation of one dimension for the credit object, so that the credit configuration data supports credit evaluation of a plurality of different dimensions for the credit object, which is beneficial to improving the accuracy of the credit evaluation result of the credit object.

[0040] Optionally, determining the plurality of credit branches of the credit object comprises: determining at least one credit dimension corresponding to the credit object; determining at least one dimension value of each credit dimension; and constructing the plurality of credit branches according to the corresponding relationship between the dimension values of different credit dimensions in the at least one credit dimension.

[0041] The plurality of credit branches are constructed based on the correspondence between the dimension values of different credit dimensions, so that each credit branch includes a dimension value of each credit dimension corresponding to the credit object, and the dimension values of at least one credit dimension in different credit branches are different, thereby realizing the construction of credit branches of different dimensions and increasing the refinement degree of the credit object under different dimensions.

[0042] Optionally, the method further includes: determining the level information of each credit dimension in the at least one credit dimension; and determining the plurality of credit branches according to the correspondence between the dimension values of different credit dimensions in the at least one credit dimension, including: determining the plurality of credit branches according to the level information of each credit dimension in the at least one credit dimension and the correspondence between the dimension values of different credit dimensions.

[0043] The implementation of the above embodiment considers the level information of each credit dimension corresponding to the credit object when constructing the plurality of credit branches, can determine the level relationship or level structure between the dimension values of different credit dimensions in the credit branch, and is beneficial to improving the efficiency of finding the content in the credit branch.

[0044] Optionally, the determining of the credit occupation evaluation mode and the credit calculation formula of each credit branch in the plurality of credit branches includes:

[0045] When the credit occupation evaluation mode is the signed-unsigned return mode, the determining of the credit calculation formula includes a first group of formulas corresponding to the signed-unsigned return mode.

[0046] When the credit occupation evaluation mode is the signed-unsigned return mode, the determining of the credit calculation formula includes a first group of formulas corresponding to the signed-unsigned return mode.

[0047] The implementation of the above embodiment supports configuring at least one group of credit calculation formulas for each credit branch, and by indicating the credit occupation evaluation mode of the credit branch, a group of calculation formulas can be selected from the credit calculation formulas of the credit branch for subsequent credit occupation calculation.

[0048] In a fourth aspect, the present application provides a device for generating credit configuration data, the device comprising a processing module, the processing module being configured to: determine a plurality of credit branches of a credit object, the plurality of credit branches including credit branches of different dimensions, each credit branch in the plurality of credit branches being used to perform credit evaluation of one dimension on the credit object; determine a credit occupation evaluation mode and a credit calculation formula of each credit branch in the plurality of credit branches; and generate credit configuration data according to the plurality of credit branches of the credit object and the credit occupation evaluation mode and the credit calculation formula of each credit branch.

[0049] Optionally, the processing module is specifically configured to: determine at least one credit dimension corresponding to the credit subject; determine at least one dimension value of each credit dimension; and construct the plurality of credit branches according to a corresponding relationship between the dimension values of different credit dimensions in the at least one credit dimension.

[0050] Optionally, the processing module is specifically configured to: determine hierarchical information of each credit dimension in the at least one credit dimension; and determine the plurality of credit branches according to the hierarchical information of each credit dimension in the at least one credit dimension and the corresponding relationship between the dimension values of different credit dimensions in the at least one credit dimension.

[0051] Optionally, the processing module is specifically configured to: when the credit occupation evaluation mode is a signed-but-not-returned mode, determine that the credit calculation formula includes a first group of formulas corresponding to the signed-but-not-returned mode; and when the credit occupation evaluation mode is a sent-but-not-returned mode, determine that the credit calculation formula includes a second group of formulas corresponding to the sent-but-not-returned mode.

[0052] In a fifth aspect, the present application provides a computing device, comprising a processor and a memory, wherein the memory is configured to store program instructions; and the processor is configured to invoke the program instructions in the memory, so that the apparatus executes the method in the first aspect or any possible implementation manner of the first aspect, or executes the method in the third aspect or any possible implementation manner of the third aspect.

[0053] In a sixth aspect, the present application provides a computing device cluster, comprising at least one computing device, each computing device comprising a processor and a memory, wherein the processor of each computing device is configured to execute instructions stored in the memory, so that the computing device cluster implements the method in the first aspect or any possible implementation manner of the first aspect, or implements the method in the third aspect or any possible implementation manner of the third aspect.

[0054] In a seventh aspect, the present application provides a credit management system, comprising a client and a credit management device, wherein the client is configured to send the credit evaluation request and / or the credit configuration data to the credit management device, and the credit management device can be the apparatus in the second aspect or any possible implementation manner of the second aspect, or the computing device in the fifth aspect, or the computing device cluster in the sixth aspect.

[0055] In an eighth aspect, the present application provides a computer-readable storage medium, comprising computer instructions, when the computer instructions are executed by a processor, the method in the first aspect or any possible implementation manner of the first aspect is implemented, or the method in the third aspect or any possible implementation manner of the third aspect is implemented.

[0056] In a ninth aspect, the present application provides a computer program product, which, when executed by a processor, implements the method of the first aspect or any possible implementation of the first aspect, or implements the method of the third aspect or any possible implementation of the third aspect. Illustratively, the computer program product can be a software installation package. BRIEF DESCRIPTION OF DRAWINGS

[0057] Fig. 1 is a schematic diagram of an architecture of a credit management system provided by the present application;

[0058] Fig. 2 is a flowchart of a credit management method provided by the present application;

[0059] Fig. 3 is a schematic diagram of a tree representation of dimension configuration information of a customer provided by the present application;

[0060] Fig. 4 is a schematic diagram of a tree representation of dimension configuration information of a customer group provided by the present application;

[0061] Fig. 5 is a flowchart of an execution process of credit occupation calculation provided by the present application;

[0062] Fig. 6A is a schematic diagram of a dimension configuration page provided by the present application;

[0063] Fig. 6B is a schematic diagram of another dimension configuration page provided by the present application;

[0064] Fig. 6C is a schematic diagram of another dimension configuration page provided by the present application;

[0065] Fig. 7 is a schematic diagram of a formula configuration page provided by the present application;

[0066] Fig. 8 is a schematic diagram of a structure of a credit management system provided by the present application;

[0067] Fig. 9 is a schematic diagram of a structure of a computing device provided by the present application;

[0068] Fig. 10 is a schematic diagram of a structure of a computing device cluster provided by the present application;

[0069] Fig. 11 is a schematic diagram of a connection of a computing device provided by the present application through a network. DETAILED DESCRIPTION

[0070] For the convenience of understanding, the following first introduces related terms that can be involved in the present application.

[0071] Contract Amount: The contract amount refers to the transaction amount agreed upon by both parties in the contract, i.e., the price of goods or services.

[0072] Shipped Amount: Shipped Amount refers to the amount of products or services that have been shipped. It represents the value of the portion of products or services that have been delivered to the customer. The Shipped Amount can be less than or equal to the Contract Amount, depending on the customer's needs and the execution of the order.

[0073] Invoiced Amount: Invoiced Amount refers to the amount of products or services that have been invoiced. Once the products or services are delivered to the customer, the supplier usually issues an invoice to the customer to confirm the transaction and request payment.

[0074] Received Amount: Received Amount refers to the amount of money that the customer has paid or returned to the supplier. Once the customer receives the invoice, they should pay according to the contract terms and payment conditions. The Received Amount represents the portion or the entire amount that the customer has paid.

[0075] The present application provides a credit management system that can support users (such as suppliers providing goods or services) to configure personalized credit dimensions for credit objects (such as customers or customer groups) with which they have business cooperation to determine multiple credit branches of the credit objects, and can also support users to configure credit calculation formulas for the credit branches of the credit objects. Based on the configuration results of the credit dimensions of the credit objects and the configuration results of the credit calculation formulas, different dimension credit evaluations can be performed on the credit objects, which is conducive to improving the accuracy of the credit evaluation results.

[0076] It is worth noting that credit evaluation can rely on a cloud-deployed credit management system to achieve automated credit evaluation. The credit method can be one-time credit (such as project credit) or periodic credit (such as recurring credit), which is not limited here.

[0077] First, the composition of the credit management system provided by the present application will be introduced in detail. Referring to FIG. 1, FIG. 1 is an architecture diagram of a credit management system provided by the present application. As shown in FIG. 1, the credit management system includes a credit management device 110 and a client 120, wherein the credit management device 110 and the client 120 communicate with each other in a wireless or wired manner.

[0078] The credit management device 110 is, for example, a single computing device, a computing device cluster composed of multiple computing devices, an edge computing device, or a terminal device. The computing device includes a bare metal server (BMS), a virtual machine, a container, or an edge computing device. The BMS refers to a general-purpose physical server, such as an ARM server or an X86 server; the virtual machine refers to a complete computer system that is simulated by software, runs in a completely isolated environment, and has complete hardware system functions. The work that can be completed in a physical computer can be realized in a virtual machine. When a virtual machine is created in a computing device, part of the hard disk and memory capacity of the physical machine needs to be used as the hard disk and memory capacity of the virtual machine. Each virtual machine has an independent basic input / output system (BIOS), hard disk, and operating system, and can be operated like a physical machine; the container is a kind of virtualization software that can combine an application and all its dependencies into a software package that is not limited by the underlying host operating system, so that the complex environment does not need to be built again, simplifying the application development to deployment process. The computing device cluster is, for example, a data center. The edge computing device refers to a device closer to the data source and the end user, with low delay and high bandwidth characteristics, such as a smart router, an edge server, and the like. The description of the terminal device is described below, and is not repeated here.

[0079] The client 120 is used to realize human-computer interaction. The client 120 is deployed on a terminal device or a computing device, and the terminal device includes a personal computer, a smart phone, a wearable device, a palm processing device, a tablet computer, a mobile notebook, an augmented reality (AR) device, a virtual reality (VR) device, an integrated handheld game console, a wearable device, a vehicle-mounted device, a smart conference device, a smart advertising device, a smart home appliance, and the like. The smart home appliance can be a sweeping robot, a mopping robot, and the like, which are not limited here.

[0080] In specific implementation, the client 120 described above can be realized in the form of software or an application program (APP), a plug-in, and the like, running on a hardware device such as a terminal device or a computing device controlled by a user, such as a personal computer (PC) client, a web client based on browser access, an application (APP) client running on a mobile terminal, or a console of a cloud platform, which is not limited here.

[0081] Optionally, the client 120 is a software tool or application program for interacting with and managing the database. The client 120 is used by a consumer of a credit management service provided by the credit management device 110. Here, the credit management service includes at least one of services of assisting a user to configure a credit dimension of a customer, assisting the user to configure a credit calculation formula under different credit dimensions, performing a credit occupancy calculation of the customer under different credit dimensions, storing a configuration result, and the like. The services are, for example, any one of platform as a service (PaaS), software as a service (SaaS), infrastructure as a service (IaaS), desktop as a service (DaaS), backend as a service (BaaS), and the like.

[0082] Optionally, the client 120 can also be a plug-in or a function in an enterprise client for implementing credit management. For example, a credit function block of an enterprise client, and the like, which are used for illustration only and are not limited in the present application.

[0083] Optionally, the client 120 can also be a client of a cloud platform, such as a console of the cloud platform. The console can be a web-based console or an API-based console, which is not limited in the present application. The console can provide a cloud service (e.g., the credit management service) to a consumer. The consumer can obtain a use right of the credit management service provided by the present application by purchasing the cloud service.

[0084] The credit management device 110 and the client 120 can be distributed on the same device or on different devices. When the credit management device 110 and the client 120 are distributed on the same device, the credit management device 110 and the client 120 are both disposed on a server, for example. When the credit management device 110 and the client 120 are distributed on different devices, the credit management device 110 can be disposed on a server, and the client 120 can be disposed on a terminal device, such as a mobile phone, a tablet, a notebook computer, a desktop computer, and the like.

[0085] The credit management method provided by the credit management system shown in FIG. 1 is described below in combination with specific process steps.

[0086] Referring to FIG. 2, which is a flowchart of a credit management method provided in the present application. The method is applied to a communication system composed of a credit management device, such as the credit management device 110 in FIG. 1, and a client, such as the client in FIG. 1.

[0087] The method shown in the embodiment of FIG. 2 includes, but is not limited to, the following steps S201-S205.

[0088] S201: The client sends a credit evaluation request to the credit management device. Accordingly, the credit management device receives the credit evaluation request from the client.

[0089] The credit evaluation request is used to instruct the credit management device to perform credit evaluation on a credit object associated with the first user.

[0090] Exemplarily, the first user is the requester of the credit evaluation request, and can also be a personnel on the creditor side of the credit object.

[0091] Exemplarily, the credit evaluation request includes the identification of the first user and the identification of the credit object. In this way, the credit management device can know that the first user is the requester of the credit evaluation request based on the identification of the first user, and can know that the credit object is the object of the credit evaluation based on the identification of the credit object.

[0092] The above-mentioned identification can be a combination of one or more characters, wherein the characters can be one or more of numbers, letters and other symbols, such as a combination of one or more numbers, or a combination of one or more numbers and letters.

[0093] The credit object includes at least one of a client and a client group. The client can be a single client, and the client group can be a group composed of a plurality of client members. When the credit object is the client group, it means that the credit evaluation is performed on the client group as a unit. For example, the credit object is client A, or the credit object is client group B, and the client members in client group B include client B1, client B2 and client B3.

[0094] S202: The credit management device determines the credit configuration data associated with the first user according to the credit evaluation request.

[0095] Exemplarily, the credit configuration data associated with the first user can be configured by the first user on the client. For details, please refer to the relevant descriptions of the embodiments of FIG. 6A, FIG. 6B, FIG. 6C and FIG. 7.

[0096] Exemplarily, determining the first user-associated credit configuration data according to the credit evaluation request comprises: determining the first user-associated credit configuration data according to the identity of the first user in the credit evaluation request and the identity of the credit object. It can be understood that the first user-associated credit configuration data is the credit configuration data of the credit object.

[0097] The credit configuration data comprises a plurality of credit branches (i.e., the credit object has a plurality of credit branches), and the plurality of credit branches comprise a plurality of credit branches of different dimensions, each of the plurality of credit branches being used to perform credit evaluation of the credit object in one dimension. Through the plurality of credit branches, credit evaluation of the credit object in different dimensions can be performed respectively, so that the credit evaluation of the credit object is more refined. Each credit object can correspond to one or more credit dimensions. The credit dimensions corresponding to different credit objects can be the same or different. For example, the credit object 1 corresponds to the credit dimension "industry", the credit object 2 corresponds to the credit dimensions "industry" and "transaction country", and the credit object 1 is different from the credit object 2, and the credit dimension corresponding to the credit object 1 is different from the credit dimension corresponding to the credit object 2.

[0098] Each credit branch of the credit object comprises a dimension value of each credit dimension corresponding to the credit object. In different credit branches, the dimension values of at least one credit dimension are different.

[0099] The credit dimension refers to a factor that affects the credit evaluation result of the credit object. The credit dimension includes industry, region, transaction country, currency, on- / offshore, business source, product, sales mode or business mode, etc. The more the number of credit dimensions corresponding to the credit object, the more refined the characterization of the credit object.

[0100] Each credit dimension has one or more dimension values, and the dimension value is a specific or instantiation of the credit dimension. For example, when the credit dimension is industry, the dimension values of the credit dimension include digital energy, consumer business, etc. For another example, when the credit dimension is transaction country, the dimension values of the credit dimension include China, Germany, Brazil, etc. The dimension values of the credit dimension are related to the credit object. Different credit objects can correspond to different credit dimensions, and the dimension values of different credit dimensions are different; or different credit objects correspond to the same credit dimension, but the dimension values of the credit dimension can be different.

[0101] Exemplarily, when the credit object corresponds to one credit dimension, each credit branch of the credit object comprises a dimension value of the credit dimension, and the dimension values of the credit dimension in different credit branches are different; when the credit object corresponds to a plurality of credit dimensions, each credit branch of the credit object comprises a dimension value of each credit dimension in the plurality of credit dimensions, and in different credit branches, the dimension values of at least one credit dimension are different.

[0102] In other words, each credit branch of the credit subject includes at least one dimension value, each dimension value corresponds to a credit dimension, the number of dimension values included in different credit branches is the same, and the credit dimensions corresponding to the dimension values in different credit branches are the same. For example, taking credit branch 1 and credit branch 2 of the credit subject as an example, credit branch 1 includes dimension value A and dimension value B, wherein dimension value A corresponds to credit dimension 1, and dimension value B corresponds to credit dimension 2, credit dimension 1 is different from credit dimension 2, credit branch 2 includes dimension value C and dimension value D, and the credit dimensions corresponding to the dimension values in the different credit branches are the same, which means that dimension value C corresponds to credit dimension 1, and dimension value D corresponds to credit dimension 2; or, dimension value C corresponds to credit dimension 2, and dimension value D corresponds to credit dimension 1.

[0103] Exemplarily, when the credit subject corresponds to multiple credit dimensions, each credit branch also indicates the hierarchical relationship between the multiple credit dimensions. In different credit branches, the hierarchical relationship between the multiple credit dimensions corresponding to the credit subject is the same.

[0104] The hierarchical information of the credit dimension indicates the level of the credit dimension in the multiple credit dimensions, and the level of the credit dimension can be set based on the influence degree of the credit dimension on the credit result, or can be set based on the business scope or business organization architecture. For example, it is determined that the credit dimensions corresponding to the credit subject include industry, transaction country and product, the level of the credit dimension is set based on the influence degree of the credit dimension on the credit result, it is assumed that the influence degree of "industry" on the credit result is greater than the influence degree of "transaction country" on the credit result, and the influence degree of "transaction country" on the credit result is greater than the influence degree of "product" on the credit result, so the level of "industry" is set to the first level, the level of "transaction country" is set to the second level, and the level of "product" is set to the third level. Through the hierarchical information of the credit dimension, the hierarchical structure of the credit dimension used to describe the credit subject can be known, so that the credit assessment of the credit subject is more targeted and refined.

[0105] Exemplarily, the construction process of the multiple credit branches includes: first, determining at least one credit dimension corresponding to the credit subject; then, determining at least one dimension value of each credit dimension corresponding to the credit subject; finally, constructing the multiple credit branches according to the correspondence relationship between the dimension values of different credit dimensions in the at least one credit dimension, wherein each credit branch includes one dimension value of each credit dimension corresponding to the credit subject. Further, in the case that the hierarchical information of each credit dimension in the at least one credit dimension is determined, the multiple credit branches can also be constructed according to the hierarchical information of each credit dimension in the at least one credit dimension and the correspondence relationship between the dimension values of different credit dimensions in the at least one credit dimension.

[0106] The plurality of credit branches can be indicated by a tree graph or a mapping table. The following describes the two representation methods of the mapping table and the tree graph respectively.

[0107] (1) Tree graph

[0108] When represented by a tree graph, at least one credit dimension corresponding to a credit object and a dimension value of each credit dimension are determined, a node is constructed based on the at least one credit dimension corresponding to the credit object and the dimension value of each credit dimension, one node represents one credit dimension, and the content of the node represents a dimension value of the credit dimension corresponding to the node; the position of the node corresponding to the credit dimension can be determined based on the hierarchical information of each credit dimension, the nodes corresponding to the same credit dimension are at the same level, the nodes corresponding to different credit dimensions are at different levels, the node at the highest level is taken as a root node, the node at the next highest level is taken as a leaf node, and so on; finally, based on the corresponding relationship between the dimension values of different credit dimensions in the at least one credit dimension, a connection relationship between nodes can be established, the nodes passed by any path from the root node to the leaf node at the bottom form a credit branch, each credit branch includes at least one node, and the number of nodes included in the credit branch is the same as the number of credit dimensions corresponding to the credit branch. Through the hierarchical information of the credit dimension, the hierarchical structure of the credit branch in the tree graph is more clear, which is conducive to improving the construction efficiency of the credit branch.

[0109] Referring to FIG. 3, taking the credit object as customer A as an example, nodes are constructed and a connection relationship between nodes is established based on the credit dimension corresponding to customer A, the dimension value of each credit dimension, the hierarchical information of each credit dimension, and the corresponding relationship between the dimension values of different credit dimensions, to generate a plurality of credit branches of customer A, as shown in FIG. 3, customer A has five credit branches, which are credit branch 1, credit branch 2, …, and credit branch 5. In FIG. 3, each credit branch of customer A includes a plurality of nodes, specifically:

[0110] Credit branch 1 includes node 1, node 2, and node 3, node 1 is taken as a root node, node 2 is a leaf node of node 1, and node 3 is a leaf node of node 2, wherein the content of node 1 is a dimension value “digital energy” of the credit dimension “industry”, the content of node 2 is a dimension value “China” of the credit dimension “transaction country”, and the content of node 3 is a dimension value “electric” of the credit dimension “product”;

[0111] The credit branch 2 includes the node 1, the node 4 and the node 5, the node 1 is a root node, the node 4 is a leaf node of the node 1, and the node 5 is a leaf node of the node 4, wherein the content of the node 1 is a dimension value "digital energy" of a credit dimension "industry", the content of the node 4 is a dimension value "Germany" of a credit dimension "transaction country", and the content of the node 5 is a dimension value "photovoltaic" of a credit dimension "product";

[0112] The credit branch 3 includes the node 1, the node 4 and the node 6, the node 1 is a root node, the node 4 is a leaf node of the node 1, and the node 6 is a leaf node of the node 4, wherein the content of the node 1 is a dimension value "digital energy" of a credit dimension "industry", the content of the node 4 is a dimension value "Germany" of a credit dimension "transaction country", and the content of the node 6 is a dimension value "site" of a credit dimension "product";

[0113] The credit branch 4 includes the node 7, the node 8 and the node 9, the node 7 is a root node, the node 8 is a leaf node of the node 7, and the node 9 is a leaf node of the node 8, wherein the content of the node 7 is a dimension value "consumer business" of a credit dimension "industry", the content of the node 8 is a dimension value "Brazil" of a credit dimension "transaction country", and the content of the node 9 is a dimension value "tablet" of a credit dimension "product";

[0114] The credit branch 5 includes the node 7, the node 10 and the node 11, the node 7 is a root node, the node 10 is a leaf node of the node 7, and the node 11 is a leaf node of the node 10, wherein the content of the node 7 is a dimension value "consumer business" of a credit dimension "industry", the content of the node 10 is a dimension value "China" of a credit dimension "transaction country", and the content of the node 11 is a dimension value "personal computer" of a credit dimension "product".

[0115] As can be seen from FIG. 3, the credit branch 1, the credit branch 2 and the credit branch 3 form a tree, and the credit branch 4 and the credit branch 5 form another tree. Based on the hierarchical information of the credit dimensions, the positions of the nodes in the tree diagram can be determined, that is, the hierarchical level of "industry" is the first level, so the node 1 and the node 7 are at the same level; the hierarchical level of "transaction country" is the second level, so the node 2, the node 4, the node 8 and the node 10 are at the same level; and the hierarchical level of "product" is the third level, so the node 3, the node 5, the node 6, the node 9 and the node 11 are at the same level. That is, the hierarchical relationship among the plurality of credit dimensions is the same in different credit branches.

[0116] In FIG. 3, the 5 different dimensions of credit assessment can be performed on the customer A through the 5 credit branches of the customer A respectively. Taking the credit branch 1 as an example, the credit assessment of the dimension of "industry is digital energy, transaction country is China, and product is electric" can be performed on the customer A through the credit branch 1.

[0117] FIG. 3 is an example of representing the credit branches of the customer A in a tree diagram manner, and should not be construed as limiting the number of credit dimensions involved in the credit branches of the customer A, the dimension values of the credit dimensions, the number of credit branches of the customer A, and the like.

[0118] (2) Mapping table

[0119] When represented in the form of a mapping table, each credit dimension corresponding to a credit object is taken as a field of the mapping table, and the value of the field represents the dimension value of the credit dimension; at least one piece of mapping information is recorded in the mapping table based on the dimension value of each credit dimension and the corresponding relationship between the dimension values of different credit dimensions, each piece of mapping information contains a value of each field in at least one field, and one piece of mapping information represents one credit branch. In the case of determining the level information of each credit dimension, the position of the column where the field representing the credit dimension is located in the mapping table can be determined based on the level information of the credit dimension. For example, the higher the level of the credit dimension, the more left the position of the column where the corresponding field is located in the mapping table.

[0120] Taking the customer A as an example of a credit object, referring to Table 1, Table 1 is an example of the credit branches of the customer A. The fields shown in Table 1 are industry, transaction country, and product, that is, the customer A corresponds to multiple credit dimensions, and the multiple credit dimensions include industry, transaction country, and product. Table 1 contains 5 corresponding relationships, each of which represents a credit branch of the customer A, so the customer A has 5 credit branches, namely credit branch 1, credit branch 2, …, and credit branch 5.

[0121] Taking the first corresponding relationship "1-digital energy-China-electric" shown in the second row of Table 1 as an example, "1" is the credit branch number, which represents the credit branch 1, the credit branch 1 includes the dimension value "digital energy" of the credit dimension "industry", the dimension value "China" of the credit dimension "transaction country", and the dimension value "electric" of the credit dimension "product".

[0122] The description of the correspondence shown in other rows in Table 1 can refer to the description of the correspondence shown in the second row in Table 1. Thus, it can be known that the credit branch 2 includes the dimension value "digital energy" of the credit dimension "industry", the dimension value "Germany" of the credit dimension "transaction country", and the dimension value "photovoltaic" of the credit dimension "product"; the credit branch 3 includes the dimension value "digital energy" of the credit dimension "industry", the dimension value "Germany" of the credit dimension "transaction country", and the dimension value "site" of the credit dimension "product"; the credit branch 4 includes the dimension value "consumer business" of the credit dimension "industry", the dimension value "Brazil" of the credit dimension "transaction country", and the dimension value "tablet" of the credit dimension "product"; and the credit branch 5 includes the dimension value "consumer business" of the credit dimension "industry", the dimension value "China" of the credit dimension "transaction country", and the dimension value "personal computer" of the credit dimension "product".

[0123] Table 1: Multiple credit branches of customer A

[0124] It can be understood that Table 1 is an example of representing the multiple credit branches of customer A in the form of a mapping table, and does not limit the multiple credit branches of customer A to be only as shown in Table 1. The number of credit branches of customer A, the credit dimensions corresponding to customer A, and the dimension values of the credit dimensions should not be limited. In some possible embodiments, the field of "identification of credit object" can be added to Table 1. Thus, based on the correspondence between the identification of the credit object and the identification of the credit branch, it can be quickly known which credit branches the credit object has.

[0125] Optionally, each credit branch of the credit object further includes the credit amount of the credit object under the credit branch. Thus, when performing the credit occupation calculation subsequently, the credit balance corresponding to the credit branch of the credit object can also be calculated, which enriches the credit evaluation result. The credit amounts in different credit branches can be the same or different. When represented in the form of a tree diagram, the credit amount can also be represented by a node. The content of the node represents the value of the corresponding credit amount, that is, each credit branch corresponds to a node representing the credit amount. When represented in the form of a mapping table, the field of "credit amount" can be added to the mapping table.

[0126] Optionally, the credit configuration data further includes the identification of the credit object. When the credit object is a customer group, the credit configuration data further includes the identification of each customer member in the customer group. When performing the occupation calculation subsequently, the data participating in the calculation can be found through the identification of the customer group or through the identification of each customer member in the customer group. Based on the identification of the credit object, it can be quickly located from the credit configuration data which credit branches the credit object has.

[0127] Similarly, when the credit object is a customer group, the plurality of credit branches of the customer group can also be represented in the form of a mapping table or a tree diagram.

[0128] Taking the customer group B as an example, Table 2 is an example of representing the plurality of credit branches of the customer group B in the form of a mapping table. As shown in Table 2, the members of the customer group B are customer B1, customer B2 and customer B3, the credit dimensions corresponding to the customer group B include “industry” and “product”, and Table 2 shows that the customer group B has five credit branches, namely credit branch 1, credit branch 2, …, and credit branch 5. As shown in Table 2, credit branch 1 includes the dimension value “digital energy” of the dimension “industry” and the dimension value “electricity” of the dimension “product”, credit branch 2 includes the dimension value “digital energy” of the dimension “industry” and the dimension value “photovoltaic” of the dimension “product”, credit branch 3 includes the dimension value “digital energy” of the dimension “industry” and the dimension value “site” of the dimension “product”, credit branch 4 includes the dimension value “consumer business” of the dimension “industry” and the dimension value “tablet” of the dimension “product”, and credit branch 5 includes the dimension value “consumer business” of the dimension “industry” and the dimension value “personal computer” of the dimension “product”.

[0129] Table 2: Plurality of credit branches of customer group B

[0130] Table 2 is an example of representing the plurality of credit branches of the customer group in the form of a mapping table, and should not be limited to the number of credit branches of the customer group, the credit dimensions in the credit branches, the dimension values of the credit dimensions, and the customer members included in the customer group.

[0131] For example, the plurality of credit branches of the customer group B shown in Table 2 can also be represented in the form of a tree diagram. Referring to FIG. 4, FIG. 4 is a tree diagram of the plurality of credit branches of a customer group provided by the present application. In FIG. 4, the credit dimensions corresponding to the customer group B include “industry” and “product”, wherein the level of “industry” is higher than the level of “product”, the solid rectangular box in the dashed box in FIG. 4 is a node, each node corresponds to a credit dimension, and the content of the node represents a dimension value of the corresponding credit dimension. As shown in FIG. 4, the customer group B has five credit branches, namely credit branch 1, credit branch 2, …, and credit branch 5, each credit branch includes a plurality of nodes, and specifically:

[0132] Credit branch 1 includes node 1 and node 2, node 1 is connected to node 2 downward, the content of node 1 is a dimension value “digital energy” of the credit dimension “industry”, and the content of node 2 is a dimension value “electricity” of the credit dimension “product”;

[0133] The credit branch 2 includes a node 1 and a node 3, the node 1 is connected to the node 3 downward, the node 1 has a dimension value "digital energy" of a credit dimension "industry", and the node 3 has a dimension value "photovoltaic" of a credit dimension "product";

[0134] The credit branch 3 includes a node 1 and a node 4, the node 1 is connected to the node 4 downward, the node 1 has a dimension value "digital energy" of a credit dimension "industry", and the node 4 has a dimension value "station" of a credit dimension "product";

[0135] The credit branch 4 includes a node 5 and a node 6, the node 5 is connected to the node 6 downward, the node 5 has a dimension value "consumer business" of a credit dimension "industry", and the node 6 has a dimension value "tablet" of a credit dimension "product";

[0136] The credit branch 5 includes a node 5 and a node 7, the node 5 is connected to the node 7 downward, the node 5 has a dimension value "consumer business" of a credit dimension "industry", and the node 7 has a dimension value "personal computer" of a credit dimension "product".

[0137] In addition, as shown in FIG. 4, the customer members included in the customer group B (i.e., the customer B1, the customer B2 and the customer B3) can be stored by using a mapping table. Compared with the plurality of credit branches of the customer shown in FIG. 3, the plurality of credit branches of the customer group shown in FIG. 4 further include the customer members included in the customer group, and the other constructions of the credit branches are not different from the foregoing descriptions, which can be referred to the foregoing descriptions.

[0138] It can be understood that FIG. 4 is an example of representing the plurality of credit branches of the customer group in a tree graph form, and should not be limited to the number of credit dimensions of the customer group, the dimension values of the credit dimensions, the number of credit branches of the customer group, the representation form of the tree graph and the like in the credit branches of the customer group.

[0139] In the present application, each of the plurality of credit branches further includes a credit occupation evaluation mode and a credit calculation formula, and the credit calculation formula is used to calculate the credit occupation amount of the credit object under the corresponding credit branch. The credit calculation formulas corresponding to different credit branches can be the same or different.

[0140] The credit calculation formula is composed of an occupation factor and an operator. The occupation factor represents a parameter item participating in the credit occupation calculation. The operator is also called an operator, and the operator includes, for example, addition, subtraction, multiplication, division, maximum value, summation symbol or other operators.

[0141] Exemplarily, the occupation factors include multiple items in contract amount, delivery amount, collection amount, arrival amount not yet written off, arrival amount in transit, buy / sell amount, invoicing amount, non-invoicing amount, invoicing amount not yet collected, collection amount not yet written off, dispute amount, contract adjustment amount, average income amount of income, risk exit amount, factoring amount, buy / sell amount of risk sharing, credit adjustment amount, etc.

[0142] The credit occupation evaluation methods include a signed but not collected method and a delivered but not collected method. The signed but not collected method is used to measure the collected amount that the supplier has not received in the case that the transaction parties have signed a contract. The delivered but not collected method is used to measure the collected amount that the supplier has not received in the case that the supplier has provided products or services to the purchaser. The signed but not collected method and the delivered but not collected method are two measurement methods for credit occupation evaluation.

[0143] The following takes a first credit branch in multiple credit branches of a credit object as an example to describe a credit calculation formula in the first credit branch. The credit calculation formula in the first credit branch can also be referred to as a credit calculation formula corresponding to the first credit branch.

[0144] The credit calculation formula corresponding to the first credit branch is used to calculate a credit occupation amount of the credit object under the first credit branch. The credit occupation amount of the credit object under the first credit branch is related to credit occupation amounts of each contract of the credit object under the first credit branch.

[0145] The credit calculation formula corresponding to the first credit branch includes at least one of a first group of formulas and a second group of formulas. When the credit occupation evaluation method is the signed but not collected method, the credit occupation amount is a signed but not collected amount, that is, the first group of formulas is used to calculate the signed but not collected amount of the credit object under the first credit branch. When the credit occupation evaluation method is the delivered but not collected method, the credit occupation amount is a delivered but not collected amount, that is, the second group of formulas is used to calculate the delivered but not collected amount of the credit object under the first credit branch.

[0146] That is, when the credit occupation evaluation method in the first credit branch is the signed but not collected method, it indicates that the first group of formulas is used to perform credit occupation calculation. When the credit occupation evaluation method in the first credit branch is the delivered but not collected method, it indicates that the second group of formulas is used to perform credit occupation calculation.

[0147] It can be understood that the credit occupation evaluation method corresponding to each credit branch can be set individually, or the credit occupation evaluation methods of multiple credit branches can be set as a whole, that is, a corresponding relationship between the credit occupation evaluation method and the identifier of the credit branch is established.

[0148] In an implementation manner, the first group of formulas includes one or more formulas. Similarly, the second group of formulas includes one or more formulas.

[0149] The first set of formulas includes one example of a plurality of formulas: the first set of formulas includes a first signature unreturned formula and a second signature unreturned formula, wherein,

[0150] The first signature unreturned formula is used to calculate the signature unreturned amount of a single contract of a credit subject under a first credit branch;

[0151] The second signature unreturned formula is used to obtain the signature unreturned amount of the credit subject under the first credit branch according to the signature unreturned amounts of the respective contracts of the credit subject under the first credit branch.

[0152] Here, the signature unreturned amount of the credit subject under the first credit branch is associated with the signature unreturned amounts of the respective contracts of the credit subject under the first credit branch, for example, the signature unreturned amount of the credit subject under the first credit branch is the sum of the signature unreturned amounts of the respective contracts of the credit subject under the first credit branch.

[0153] For example, the first signature unreturned formula is expressed as the following formula (1): i = ca i - ra i - dwa i Formula (1)

[0154] wherein CQA i represents the signature unreturned amount of the i-th contract of the credit subject under the first credit branch, i is a positive integer, ca i , ra i and dwa i are parameter items in formula (1), ca i represents the contract amount of the i-th contract, ra i represents the repayment amount of the i-th contract, and dwa i represents the un-reimbursed amount of the i-th contract. In this case, any contract (without distinction of contract type) of the credit subject under the first credit branch can use formula (1) to calculate the signature unreturned amount of a single contract of the credit subject under the first credit branch. Formula (1) is only an example of the first signature unreturned formula and should not constitute a limitation on the parameter items in the first signature unreturned formula.

[0155] For example, the second signature unreturned formula is expressed as the following formula (2):

[0156] wherein SQA represents the signature unreturned amount of the credit subject under the first credit branch, i.e., the signature unreturned amount corresponding to the first credit branch of the credit subject, n represents the number of contracts of the credit subject under the first credit branch, CQA i Please refer to the description of formula (1). Formula (2) is only an example of the second signature unreturned formula.

[0157] It can be understood that when the first group of formulas is one formula, the above formula (1) and formula (2) can be combined into one formula.

[0158] An example of the second group of formulas includes a plurality of formulas: the second group of formulas includes a first outstanding formula and a second outstanding formula, wherein,

[0159] The first outstanding formula is used to calculate the outstanding amount of a single contract of a credit subject under a first credit branch;

[0160] The second outstanding formula is used to obtain the outstanding amount of the credit subject under the first credit branch according to the outstanding amount of the single contract of the credit subject under the first credit branch.

[0161] Here, the outstanding amount of the credit subject under the first credit branch is associated with the outstanding amount of each contract of the credit subject under the first credit branch, for example, the outstanding amount of the credit subject under the first credit branch is the sum of the outstanding amount of each contract of the credit subject under the first credit branch.

[0162] For example, the first outstanding formula is represented as the following formula (3): i = fa i -ra i -dza i Formula (3)

[0163] wherein CFA i represents the outstanding amount of the i-th contract of the credit subject under the first credit branch, i is a positive integer, fa i , ra i and dza i are parameter items in formula (3), fa i represents the shipping amount of the i-th contract, ra i represents the payment amount of the i-th contract, and dza i represents the in-transit amount of the i-th contract. In this case, any contract (without distinguishing the contract type) of the credit subject under the first credit branch can use formula (3) to calculate the outstanding amount of a single contract of the credit subject under the first credit branch. Formula (3) is only an example of the first outstanding formula and should not constitute a limitation on the parameter items in the first outstanding formula.

[0164] For example, the second outstanding formula is represented as the following formula (4):

[0165] SFA = n * CFA (3) wherein SFA represents the outstanding amount of the credit subject under the first credit branch, i.e. the outstanding amount corresponding to the first credit branch of the credit subject, n represents the number of contracts of the credit subject under the first credit branch, and CFA represents the credit amount of the credit subject under the first credit branch. i Please refer to the description of formula (3). Formula (4) is only an example of the second outstanding formula, and in some possible embodiments, some credit dimension occupancy factors can also be included in formula (4).

[0166] It can be understood that when the second group of formulas is one formula, the above formula (3) and formula (4) can be combined into one formula.

[0167] As can be seen from the above, the first outstanding formula and the first outstanding formula are both calculated for a single contract, which belong to the credit calculation formula at the contract level. The second outstanding formula performs statistical processing using the results calculated by the first outstanding formula, and the second outstanding formula performs statistical processing using the results calculated by the first outstanding formula. Therefore, the second outstanding formula and the second outstanding formula both belong to the credit calculation formula at the credit branch level.

[0168] In order to more clearly present the above description of the credit calculation formula corresponding to the first credit branch of the credit subject, please refer to Table 3. Table 3 is only to clearly present the classification of the credit calculation formula of the credit subject under the first credit branch. The content shown in Table 3 is an example of classification of the credit calculation formula based on credit occupancy evaluation method and formula number.

[0169] Table 3 Classification of credit calculation formula based on credit occupancy evaluation method and formula number

[0170] Similarly, the occupancy factor is divided into contract dimension occupancy factor and credit dimension occupancy factor. The contract dimension occupancy factor, also known as the contract dimension parameter item, is for the contract, and the amount of the contract dimension occupancy factor under different contracts can be different. The credit dimension occupancy factor, also known as the credit dimension parameter item, is for the credit branch, and the amount of the credit dimension occupancy factor under different credit branches can be different. The contract dimension occupancy factor is applicable to the above contract level calculation formula. The credit dimension occupancy factor is applicable to the above credit branch level calculation formula, but it is not limited that the credit dimension occupancy factor must be included in the credit branch level calculation formula. When the second outstanding formula is set to formula (2) above, the second outstanding formula does not include the credit dimension parameter item; when the second outstanding formula is set to formula (4) above, the second outstanding formula does not include the credit dimension parameter item.

[0171] As another example, the representation of the second signed-unpaid formula, the second sent-unpaid formula can also include some parameter items of the credit dimension. For example, the second signed-unpaid formula is composed of the total amount of signed-unpaid of the credit subject under the first credit branch, the parameter item and the operator corresponding to the first credit branch. The second sent-unpaid formula is composed of the total amount of sent-unpaid of the credit subject under the first credit branch, the parameter item and the operator corresponding to the first credit branch. Taking the second signed-unpaid formula as an example, the second signed-unpaid formula can also be represented as shown in the following formula (5):

[0172] It can be seen that compared with the above formula (2), two parameter items sba and fma are newly added, both of which belong to the parameter items of the credit dimension, wherein sba represents the factoring amount corresponding to the first credit branch of the credit subject, and fma represents the risk sharing buy-loan amount corresponding to the first credit branch of the credit subject. Formula (5) is only an example of the second signed-unpaid formula containing parameter items of the credit dimension, and should not constitute a limitation on the parameter items of the credit dimension contained in the second signed-unpaid formula.

[0173] Exemplarily, the contract type is divided into equipment contract, service contract and mixed signed contract. In the case of distinguishing the contract type, the above-mentioned credit calculation formula of the contract layer (such as the first signed-unpaid formula and the first sent-unpaid formula) can be further classified. The first signed-unpaid formula includes a signed-unpaid formula corresponding to each contract type in multiple contract types, and the first sent-unpaid formula includes a sent-unpaid formula corresponding to each contract type in multiple contract types.

[0174] The signed-unpaid formula corresponding to different contract types can be the same or different. The sent-unpaid formula corresponding to different contract types can be the same or different. It can be understood that if the signed-unpaid formula corresponding to different contract types is the same, the first signed-unpaid formula is one formula, for example, the above-mentioned formula (1); if the sent-unpaid formula corresponding to different contract types is the same, the first sent-unpaid formula is one formula, for example, the above-mentioned formula (3).

[0175] As an example, the contract types include a device contract, a service contract and a mixed contract, if the different contract types correspond to different signing-back formulas, the first signing-back formula includes a signing-back formula 1 corresponding to the device contract, a signing-back formula 2 corresponding to the service contract and a signing-back formula 3 corresponding to the mixed contract, wherein the signing-back formula 1 is used to calculate the signing-back amount of the device contract, the signing-back formula 2 is used to calculate the signing-back amount of the service contract, and the signing-back formula 3 is used to calculate the signing-back amount of the mixed contract; if the different contract types correspond to different sending-back formulas, the first sending-back formula includes a sending-back formula 1 corresponding to the device contract, a sending-back formula 2 corresponding to the service contract and a sending-back formula 3 corresponding to the mixed contract, wherein the sending-back formula 1 is used to calculate the sending-back amount of the device contract, the sending-back formula 2 is used to calculate the sending-back amount of the service contract, and the sending-back formula 3 is used to calculate the sending-back amount of the mixed contract. The above content can be referred to Table 4.

[0176] As an example, the signing-back formula 1 and the signing-back formula 2 are different, which can be that the number of parameter items in the signing-back formula 1 is different from the number of parameter items in the signing-back formula 2, or the number of parameter items in the signing-back formula 1 is the same as the number of parameter items in the signing-back formula 2 but there is at least one different parameter item.

[0177] Table 4 is only for clearly presenting the classification of the credit calculation formulas of the contract layer based on the credit occupation evaluation mode and the contract type, and Table 4 is only an example of the classification of the credit calculation formulas of the contract layer based on the credit occupation evaluation mode and the contract type. The credit calculation formulas of the credit branch layer, i.e., the second signing-back formula and the second sending-back formula, do not need to distinguish the contract type.

[0178] Table 4 is only for clearly presenting the classification of the credit calculation formulas of the contract layer based on the credit occupation evaluation mode and the contract type, and Table 4 is only an example of the classification of the credit calculation formulas of the contract layer based on the credit occupation evaluation mode and the contract type. The credit calculation formulas of the credit branch layer, i.e., the second signing-back formula and the second sending-back formula, do not need to distinguish the contract type.

[0179] It can be understood that the more complex the credit calculation formula of the credit object under the credit branch, for example, the more the number of parameter items involved in the credit calculation formula, the more delicate the setting of the credit calculation formula (for example, distinguishing the contract type), the more strict the user's credit management of the credit object under the credit branch.

[0180] S203: The credit management device acquires the contract dimension table data of the credit object.

[0181] The contract dimension table data of the credit object includes the contract data generated by the credit object in the credit process, and the fields in the contract dimension table data include the credit dimensions corresponding to the credit object.

[0182] The contract dimension table data is understood as a data table used for managing information related to contracts in the process of granting credit to a credit object. The contract dimension table data facilitates the management and query of contracts, and also supports correlation analysis based on its own data (e.g., credit occupancy calculation).

[0183] For example, the fields in the contract dimension table data include multiple items in industry, region, transaction country, currency, onshore / offshore, business source, product, sales mode, and business mode. Illustratively, the credit dimensions can be divided into general dimensions and personalized dimensions, and the above-mentioned industry, region, transaction country, currency, onshore / offshore, business source are in the general dimensions, and the product, sales mode, and business mode belong to the personalized dimensions.

[0184] Illustratively, the fields in the contract dimension table data also include contract number, contract signing time, credit object, contract type, and contract dimension occupancy factor. The contract type refers to the type to which the contract belongs, such as equipment contract, service contract, mixed contract, etc. The contract dimension occupancy factor includes multiple items in contract amount, delivery amount, repayment amount, to-amount-unreconciled amount, to-amount-in-transit amount, loan-to-sales amount, invoicing amount, un-invoiced amount, invoiced-un-repaid amount, repayment-un-reconciled amount, dispute amount, contract adjustment amount, average income amount of income, risk exit amount, etc.

[0185] In the present application, the occupancy factors used in the credit calculation formula of the contract layer (i.e., the first signed-un-repaid formula and the first delivered-un-repaid formula) belong to the contract dimension occupancy factors in the contract dimension table data.

[0186] The contract dimension table data of the credit object is described below by way of example in tabular form. Referring to Table 5, Table 5 is an example of contract dimension table data. The fields set in the first row of Table 5 include contract number, credit object, contract type, industry, transaction country, currency, product, contract amount, delivery amount, invoicing amount, repayment amount, to-amount-in-transit amount, to-amount-unreconciled amount, and loan-to-sales amount. The contract dimension table data of customer A shown in Table 5 includes 6 pieces of contract data of customer A. For example, the first piece of contract data corresponding to the second row in Table 5 includes “contract number H01, credit object customer A, contract type equipment contract, industry digital energy, transaction country China, currency CNY, product electric, contract amount 1000, delivery amount 800, invoicing amount 600, repayment amount 400, to-amount-unreconciled amount 100”. The remaining 5 pieces of contract data in Table 5 can be similarly described as the first piece of contract data described above, and will not be described here.

[0187] Table 5 Contract Dimension Table Data of Customer A

[0188] It can be understood that the contract dimension table data shown in Table 5 is only an example, and Table 5 lists 6 pieces of contract data of customer A. In actual application, when customer A has more pieces of contract data, the number of rows in the table shown in Table 5 for representing contract data will also be more. In addition, the fields in the contract dimension table data shown in Table 5 are only an example, and should not constitute a limitation on the fields in the contract dimension table data. In actual application, the fields in the contract dimension table data can be more or less, but the credit dimension corresponding to the credit object and the parameter item used in the credit calculation formula of the contract layer are all included in the fields of the contract dimension table data.

[0189] Exemplarily, the contract dimension table data of the credit object is acquired, including: acquiring original data of the credit object from a front-end server; and generating the contract dimension table data of the credit object according to the original data of the credit object.

[0190] The front-end server can include multiple items in a contract order system, an invoicing system, a supply chain system, a warehouse system, etc. associated with the credit object. The original data of the credit object provided by the contract order system can include the contract number, the credit object, the contract type, the industry, the transaction country, the currency, the product, the contract amount, the loan-to-sale amount, etc. The original data of the credit object provided by the invoicing system can include the invoicing amount, the repayment amount, the amount to be paid, the amount to be paid and not yet written off, etc. The original data of the credit object provided by the supply chain system can include the delivery amount, etc. The original data of the credit object provided by the warehouse system can include the warehouse amount, etc.

[0191] The above example is to acquire the original data of a single credit object from the front-end server and directly generate the contract dimension table data of the credit object based on the original data of the credit object. In some possible embodiments, the original data of multiple credit objects can also be acquired from the front-end server, and global contract dimension table data including the contract dimension table data of each credit object in the multiple credit objects is generated based on the original data of the multiple credit objects. In this case, when the contract dimension table data of a single credit object is needed, the contract dimension table data of the credit object can be filtered out from the global contract dimension table based on the identification of the credit object.

[0192] In some possible embodiments, the credit management device also acquires customer dimension table data of the credit object, which records the credit data corresponding to the credit branches of the credit object in the credit process. The fields in the customer dimension table data include the credit object, the credit dimension corresponding to the credit object, and the occupation factor of the credit dimension. The occupation factor of the credit dimension refers to the occupation factor corresponding to the credit branch, which can be described with reference to the corresponding content in S202. The occupation factor of the credit dimension can include at least one of the warehouse amount, the factoring amount, the risk-sharing buy-loan amount, and the credit adjustment amount, etc.

[0193] The customer dimension table data can be obtained by the credit management device from the front-end server. For example, the contract system provides the above-mentioned multiple dimensions and the like, the supply chain system provides the above-mentioned inventory amount and the like, the factoring financing system provides the above-mentioned factoring amount, the risk-sharing buy-loan amount and the like insurance or factoring data, and the above-mentioned credit adjustment amount can be provided by the credit management system.

[0194] Taking the credit object as customer A as an example, referring to Table 6, Table 6 is an example of the customer dimension table data of customer A. The customer dimension table data of customer A shown in Table 6 includes the credit object, the industry, the transaction country, the product, the factoring amount and the risk-sharing buy-loan amount. As can be seen from Table 6, the customer dimension table data of customer A includes: when the industry is “digital energy”, the transaction country is “China” and the product is “electric”, the factoring amount is “1000” and the risk-sharing buy-loan amount is “500”; when the industry is “digital energy”, the transaction country is “Germany” and the product is “photovoltaic”, the factoring amount is “2000” and the risk-sharing buy-loan amount is “1000”; when the industry is “digital energy”, the transaction country is “Germany” and the product is “station”, the factoring amount is “1000” and the risk-sharing buy-loan amount is “500”.

[0195] Table 6: Customer A's customer dimension table data

[0196] It can be understood that Table 6 is only an example of the customer dimension table data, and the customer dimension table data is not limited to that shown in Table 6. For example, the customer dimension table data can include more or fewer dimensions, and can include more or fewer occupancy factors. It can be understood that when the credit dimension and / or the occupancy factor included in the customer dimension table data increases, the number of columns of the customer dimension table data shown in Table 6 will also increase. The contract dimension table data of customer A shown in Table 5 and the customer dimension table data of customer A shown in Table 6 can be associated through the identification of customer A.

[0197] S204: The credit management device determines the credit result of the credit evaluation request according to the credit configuration data and the contract dimension table data of the credit object.

[0198] The credit result of the credit evaluation request includes at least one of the total credit occupancy amount of the credit object, the credit amount corresponding to each of the plurality of credit branches of the credit object, the credit occupancy amount and the credit balance, or the sorting result of the plurality of credit branches of the credit object.

[0199] The total amount of credit occupation of the credit subject is the sum of the credit occupation amounts corresponding to each credit branch of the credit subject. The credit balance corresponding to each credit branch is the difference between the credit amount corresponding to the credit branch and the credit occupation amount corresponding to the credit branch. The credit amount corresponding to each credit branch can be derived from the credit configuration data.

[0200] Exemplarily, the sorting result of the plurality of credit branches of the credit subject can be obtained based on the credit occupation amount corresponding to each credit branch, or obtained based on the credit balance corresponding to each credit branch, or obtained based on the credit amount corresponding to each credit branch.

[0201] The following focuses on the calculation method of the credit occupation amount corresponding to each credit branch.

[0202] The following describes the execution process of the above credit occupation calculation based on FIG. 5, taking the credit subject as customer A and taking the credit management device as an example to calculate the credit occupation amount of customer A under the first credit branch. The method shown in FIG. 5 is applied to the above credit management device. The method shown in FIG. 5 includes but is not limited to the following steps S501-S504:

[0203] S501: Extract the target contract data corresponding to the first credit branch of customer A from the contract dimension table data.

[0204] Based on the first credit branch of customer A, determine the credit dimension corresponding to customer A and the dimension value of the credit dimension in the first credit branch, and extract the target contract data corresponding to the first credit branch of customer A from the contract dimension table based on the credit dimension corresponding to customer A and the dimension value of the credit dimension in the first credit branch. The first credit branch of customer A is derived from the above credit configuration data.

[0205] The contract dimension table data of customer A is, for example, shown in Table 5 above. The following describes how to extract the target contract data corresponding to the first credit branch of customer A from the contract dimension table data of customer A, taking the first credit branch as the credit branch 1, the credit branch 2 and the credit branch 4 shown in Table 1 (or FIG. 3) as examples.

[0206] (1) The first credit branch is the above credit branch 1 {industry (digital energy), transaction country (China), product (electric)}

[0207] Exemplarily, based on the credit branch 1, it is determined that the fields to be queried are "industry", "transaction country" and "product", wherein the "industry" is "digital energy", the "transaction country" is "China" and the "product" is "electricity", based on the contract maintenance table data of the customer A shown in Table 5, starting from the second row of Table 5, the second row data of Table 5 is queried for the case that the field "industry" is "digital energy", the field "transaction country" is "China" and the field "product" is "electricity", and the second row data "contract number H01, credit object customer A, contract type equipment, industry digital energy, transaction country China, currency CNY, product electricity, contract amount 1000, delivery amount 800, invoicing amount 600, repayment amount 400, amount not cleared 100" is extracted from Table 5 as the target contract data corresponding to the credit branch 1 of the customer A. According to this manner, starting from the second row of Table 5 to the last row of Table 5, finally the second row data and the third row data of Table 5 are extracted as the target contract data corresponding to the credit branch 1 of the customer A, wherein the third row data is "contract number H02, credit object customer A, contract type equipment, industry digital energy, transaction country China, currency CNY, product electricity, contract amount 2000, delivery amount 1800, invoicing amount 1600, repayment amount 1400, amount not cleared 100".

[0208] The above is a manner of extracting the target contract data corresponding to the credit branch 1 of the customer A by querying the "industry", "transaction country" and "product" three fields at a time. In some possible embodiments, the target contract data corresponding to the credit branch 1 of the customer A can also be extracted by querying one field at a time and querying in sequence, for example, the row data satisfying "industry" being "digital energy" is filtered out from Table 5 to obtain a filtering result 1; the row data satisfying "transaction country" being "China" is filtered out from the filtering result 1 to obtain a filtering result 2; finally, the row data satisfying "product" being "electricity" is filtered out from the filtering result 2, and the result obtained is the target contract data corresponding to the credit branch 1 of the customer A.

[0209] In summary, the target contract data corresponding to the credit branch 1 of the customer A extracted from the contract maintenance table data of the customer A is shown in Table 7.

[0210] Table 7: Target contract data corresponding to the credit branch 1 of the customer A

[0211] (2) The first credit branch is the above-mentioned credit branch 2{industry (digital energy), transaction country (Germany), product (photovoltaic)}

[0212] Exemplarily, based on the credit branch 2, it is determined that the fields to be queried are "industry", "transaction country", and "product", wherein the "industry" is "digital energy", the "transaction country" is "Germany", and the "product" is "photovoltaic", based on the contract maintenance table data of the customer A shown in Table 5, starting from the second row of Table 5, for each row of data, when it is queried that the row of data of Table 5 satisfies the conditions that the field "industry" is "digital energy", the field "transaction country" is "Germany", and the field "product" is "photovoltaic", the row of data is extracted from Table 5 as the target contract data corresponding to the credit branch 2 of the customer A. According to this manner, starting from the second row of Table 5 to the last row of Table 5, finally, the fourth row of data and the fifth row of data are extracted from Table 5 as the target contract data corresponding to the credit branch 2 of the customer A, wherein the fourth row of data is "contract number H03, credit object customer A, contract type service, industry digital energy, transaction country Germany, currency EUR, product photovoltaic, contract amount 3000, delivery amount 2600, invoicing amount 2600, repayment amount 2000, and amount in transit 100", and the fifth row of data is "contract number H04, credit object customer A, contract type service, industry digital energy, transaction country Germany, currency EUR, product photovoltaic, contract amount 4000, delivery amount 3000, invoicing amount 3000, repayment amount 2000, and amount in transit 200".

[0213] The above is a manner of extracting the target contract data corresponding to the credit branch 2 of the customer A by querying the "industry", "transaction country", and "product" three fields at a time. In some possible embodiments, the target contract data corresponding to the credit branch 2 of the customer A can also be extracted by querying one field at a time and querying successively, which will not be described herein again.

[0214] In summary, the target contract data corresponding to the credit branch 2 of the customer A extracted from the contract maintenance table data of the customer A is shown in Table 8.

[0215] Table 8: Target contract data corresponding to the credit branch 2 of the customer A

[0216] (3) The first credit branch is the above-mentioned credit branch 4 {industry (consumer business), transaction country (Brazil), product (tablet)}

[0217] Exemplarily, based on the credit branch 4, it is determined that the fields to be queried are "industry", "transaction country" and "product", wherein the "industry" is "consumer business", the "transaction country" is "Brazil" and the "product" is "tablet", based on the contract maintenance table data of the customer A shown in Table 5, starting from the second row of Table 5, for each row of data, when it is queried that the row of data of Table 5 satisfies the condition that the field "industry" is "consumer business", the field "transaction country" is "Brazil" and the field "product" is "tablet", the row of data is extracted from Table 5 as the target contract data corresponding to the credit branch 4 of the customer A. According to this manner, starting from the second row of Table 5 to the last row of Table 5, finally the sixth row of data and the seventh row of data are extracted from Table 5 as the target contract data corresponding to the credit branch 4 of the customer A, wherein the sixth row of data is "contract number H05, credit object customer A, contract type equipment, industry digital energy, transaction country Brazil, currency BRD, product tablet, contract amount 5000, delivery amount 4000, invoicing amount 3600, repayment amount 2000, loan-to-sale amount 100", and the seventh row of data is "contract number H06, credit object customer A, contract type equipment, industry digital energy, transaction country Brazil, currency BRD, product tablet, contract amount 6000, delivery amount 5600, invoicing amount 4000, repayment amount 3000, loan-to-sale amount 200".

[0218] The above is a manner of extracting the target contract data corresponding to the credit branch 4 of the customer A by querying the "industry", "transaction country" and "product" three fields at a time. In some possible embodiments, the target contract data corresponding to the credit branch 4 of the customer A can also be extracted by querying one field at a time and querying in sequence, which will not be described herein.

[0219] In summary, the target contract data corresponding to the credit branch 4 of the customer A extracted from the contract maintenance table data of the customer A is shown in Table 9.

[0220] Table 9: Target contract data corresponding to the credit branch 4 of the customer A

[0221] S502: Determine the credit occupation evaluation manner used by the first credit branch of the customer A based on the first credit branch of the customer A.

[0222] S503: Determine the target formula from the credit calculation formula of the first credit branch based on the credit occupation evaluation manner used by the first credit branch.

[0223] When the credit occupation evaluation method used by the first credit branch is the signed-unreturned method, the target formula is the first group of formulas; when the credit occupation evaluation method used by the first credit branch is the issued-unreturned method, the target formula is the second group of formulas.

[0224] The following describes the determination process of the target formula of customer A under the corresponding credit branch, taking the first credit branch as the credit branch 1, the credit branch 2 and the credit branch 4 in S501 as examples respectively.

[0225] (1) The first credit branch is the credit branch 1

[0226] Suppose that the credit occupation evaluation method used by the credit branch 1 of customer A is determined to be the signed-unreturned method based on the credit branch 1 of customer A, and in the credit calculation formula in the credit branch 1, the credit calculation formula corresponding to the signed-unreturned method found based on the identification of the signed-unreturned method is taken as the target formula corresponding to the credit branch 1, and suppose that the target formula includes the above formulas (1) and (2), and based on formula (1), it can be known that the parameter items in formula (1) include the contract amount, the repayment amount and the amount of the arrived but un-verified payment. Here, formula (1) is equivalent to the first signed-unreturned formula in the first group of formulas, and formula (2) is equivalent to the second signed-unreturned formula in the first group of formulas.

[0227] (2) The first credit branch is the credit branch 2

[0228] Suppose that the credit occupation evaluation method used by the credit branch 2 of customer A is determined to be the issued-unreturned method based on the credit branch 2 of customer A, and in the credit calculation formula in the credit branch 2, the credit calculation formula corresponding to the issued-unreturned method found based on the identification of the issued-unreturned method is taken as the target formula corresponding to the credit branch 2, and suppose that the target formula includes the above formulas (3) and (4), and based on formula (3), it can be known that the parameter items in formula (3) include the contract amount, the repayment amount and the amount of the arrived but un-verified payment. Here, formula (3) is equivalent to the first issued-unreturned formula in the second group of formulas, and formula (4) is equivalent to the second issued-unreturned formula in the second group of formulas.

[0229] (3) The first credit branch is the credit branch 4

[0230] Suppose that the credit occupation evaluation method used by the credit branch 4 of customer A is determined to be the issued-unreturned method based on the credit branch 4 of customer A, and in the credit calculation formula in the credit branch 4, the credit calculation formula corresponding to the issued-unreturned method found based on the identification of the issued-unreturned method is taken as the target formula corresponding to the credit branch 4, and suppose that the target formula includes the above formulas (6) and (7), and here, formula (6) is equivalent to the first issued-unreturned formula in the second group of formulas, and formula (7) is equivalent to the second issued-unreturned formula in the second group of formulas: CFA i= fa i = ra i = jxa i Equation (6)

[0231] wherein CFA i represents the outstanding delivery amount of the i-th contract of the credit object (i.e. customer A) under the first credit branch (i.e. credit branch 4), i is a positive integer, fa i , ra i and jxa are parameter terms in Equation (6), fa i represents the delivery amount of the i-th contract, ra i represents the repayment amount of the i-th contract, and jxa represents the loan-for- sale amount of the i-th contract. In this case, any contract (irrespective of the contract type) of the credit object under the first credit branch can use Equation (6) to calculate the outstanding delivery amount of the single contract of the credit object under the first credit branch.

[0232] wherein SFA represents the outstanding delivery amount of the credit object under the first credit branch, i.e. the outstanding delivery amount corresponding to the first credit branch of the credit object, n represents the number of contracts of the credit object under the first credit branch, and CFA i Please refer to the description of Equation (6).

[0233] Here, Equation (6) and Equation (7) are only examples of the target formula corresponding to the credit branch 4 of customer A.

[0234] S504: Calculate the outstanding delivery amount of the target contract data using the above target formula to obtain the credit occupation amount of customer A under the first credit branch.

[0235] When the target formula corresponds to the signing-outstanding method, the target formula includes a first signing-outstanding formula and a second signing-outstanding formula, the credit occupation amount of each contract in the target contract data is calculated using the first signing-outstanding formula, and the credit occupation amount of each contract in the target contract data is calculated using the second signing-outstanding formula to obtain the credit occupation amount corresponding to the first credit branch of customer A.

[0236] When the target formula corresponds to the delivery-outstanding method, the target formula includes a first delivery-outstanding formula and a second delivery-outstanding formula, the credit occupation amount of each contract in the target contract data is calculated using the first delivery-outstanding formula, and the credit occupation amount of each contract in the target contract data is calculated using the second delivery-outstanding formula to obtain the credit occupation amount corresponding to the first credit branch of customer A.

[0237] In some possible embodiments, the first signed-unsigned formula setting and / or the first signed-unsigned formula setting can distinguish contract types. For example, the first signed-unsigned formula includes signed-unsigned formulas of multiple contract types, and for any contract type in the multiple contract types, for example, a first contract type, the signed-unsigned formula of the first contract type is used as follows: based on the first contract type, the contract of the first contract type in the target contract data is determined; and the credit occupation amount of each contract of the contract of the first contract type is calculated using the signed-unsigned formula of the first contract type. In this way, for different types of contracts, the credit occupation amount of a single contract can be calculated using the signed-unsigned formula of the corresponding contract type.

[0238] The following describes the calculation process of the credit occupation amount of customer A under the corresponding credit branch, taking the first credit branch as the credit branch 1, the credit branch 2 and the credit branch 4 described in S501 as examples respectively.

[0239] (1) The first credit branch is the credit branch 1 described above

[0240] As can be seen from S503, the target formula corresponding to the credit branch 1 of customer A includes the formula (1) and the formula (2) described above. First, the signed-unsigned amount of each contract of customer A under the credit branch 1 is calculated using the formula (1), and then the signed-unsigned amount of each contract of customer A under the credit branch 1 is calculated using the formula (2), to obtain the credit occupation amount of customer A under the credit branch 1, also referred to as the signed-unsigned amount of customer A under the credit branch 1.

[0241] As can be seen from Table 7, the target contract data corresponding to the credit branch 1 of customer A involves two contracts, namely contract number H01 and contract number H02. The contract amount 1000, the repayment amount 400 and the un-reimbursed amount 100 in the data in the second row (i.e., the row where the contract number H01 is located) of Table 7 are substituted into the corresponding parameter items in the formula (1) described above to perform the calculation of 1000-400-100, to obtain the signed-unsigned amount of contract number H01 as 500. The contract amount 2000, the repayment amount 1400 and the un-reimbursed amount 100 in the data in the third row (i.e., the row where the contract number H02 is located) of Table 7 are substituted into the corresponding parameter items in the formula (1) described above to perform the calculation of 2000-1400-100, to obtain the signed-unsigned amount of contract number H02 as 500. Further, the obtained signed-unsigned amount of contract number H01 as 500 and the obtained signed-unsigned amount of contract number H02 as 500 are substituted into the formula (2) to perform the calculation of 500+500, to obtain the credit occupation amount of customer A under the credit branch 1 as 1000.

[0242] In some possible embodiments, when the above formula (1) and formula (2) are combined into one formula, the "contract amount", "repayment amount" and "un-repatriated amount" of each contract (i.e. contract number H01 and contract number H02) in Table 7 are extracted and substituted into the combined formula of formula (1) and formula (2) to perform the calculation "(1000+2000)-(400+1400)-(100+100)", and the result obtained is 1000, i.e. the credit occupation amount of customer A under the first credit branch is 1000.

[0243] (2) The first credit branch is the above-mentioned credit branch 2

[0244] As can be seen from S503, the target formula corresponding to the credit branch 2 of customer A includes the above-mentioned formula (3) and formula (4). First, formula (3) is used to calculate the outstanding and unreimbursed amount of each contract of customer A under the credit branch 2, and then formula (4) is used to calculate the outstanding and unreimbursed amount of each contract of customer A under the credit branch 2, and the credit occupation amount of customer A under the credit branch 2, also known as the outstanding and unreimbursed amount of customer A under the credit branch 2, is obtained.

[0245] As can be seen from Table 8, the target contract data corresponding to the credit branch 2 of customer A involves two contracts, contract number H03 and contract number H04. The second row (i.e. the row where contract number H03 is located) in Table 8 is extracted, and the "shipment amount 2600", "repayment amount 2000" and "repatriation in transit amount 100" in the row are substituted into the corresponding parameter items in the above-mentioned formula (3) to perform the calculation "2600-2000-100", and the outstanding and unreimbursed amount of contract number H03 is obtained as 500. The third row (i.e. the row where contract number H04 is located) in Table 8 is extracted, and the "shipment amount 3000", "repayment amount 2000" and "repatriation in transit amount 200" in the row are substituted into the corresponding parameter items in the above-mentioned formula (3) to perform the calculation "3000-2000-200", and the outstanding and unreimbursed amount of contract number H04 is obtained as 800. Further, the "outstanding and unreimbursed amount of contract number H03 is 500" and "outstanding and unreimbursed amount of contract number H04 is 800" obtained above are substituted into formula (4) to perform the calculation "500+800", and the credit occupation amount of customer A under the credit branch 2 is obtained as 1300.

[0246] (3) The first credit branch is the above-mentioned credit branch 4

[0247] As can be seen from S503, the target formula corresponding to the credit branch 4 of the customer A includes the above formula (6) and formula (7), the formula (6) is used to calculate the outstanding amount of each contract of the customer A under the credit branch 4, and then the formula (7) is used to calculate the outstanding amount of each contract of the customer A under the credit branch 4, so as to obtain the credit occupation amount of the customer A under the credit branch 4, which is also called the outstanding amount of the customer A under the credit branch 4.

[0248] As can be seen from Table 9, the target contract data corresponding to the credit branch 4 of the customer A involves two contracts, which are contract number H05 and contract number H06. The second row in Table 9 (i.e. the row where the contract number H05 is located) is extracted, and the “delivery amount 4000”, “repayment amount 2000” and “loan-to-sale amount 200” in the data in this row are substituted into the corresponding parameter items in the above formula (6) to perform the calculation of “4000-2000-200”, so as to obtain the outstanding amount of the contract number H05, which is 1800. The third row in Table 9 (i.e. the row where the contract number H06 is located) is extracted, and the “contract amount 5600”, “repayment amount 3000” and “loan-to-sale amount 200” in the data in this row are substituted into the corresponding parameter items in the above formula (6) to perform the calculation of “5600-3000-200”, so as to obtain the outstanding amount of the contract number H06, which is 2400. Further, the above obtained “the outstanding amount of the contract number H05 is 1800” and “the outstanding amount of the contract number H06 is 2400” are substituted into the formula (7) to perform the calculation of “1800+2400”, so as to obtain the credit occupation amount of the customer A under the credit branch 4, which is 4200.

[0249] In some possible embodiments, in the case that the target formula includes the parameter item of the credit dimension, the target credit data corresponding to the first credit branch of the customer A also needs to be obtained from the customer dimension table data based on the first credit branch of the customer A, the target credit data including the value of the parameter item of the credit dimension in the target formula, in which case, the target contract data is calculated by using the target formula to obtain the credit occupation amount of the customer A under the first credit branch, including: the target contract data and the target credit data are calculated by using the target formula to obtain the credit occupation amount of the customer A under the first credit branch. That is, in the case that the parameter item of the credit dimension is used in the target formula, when the credit occupation amount of the credit object under the corresponding credit branch is calculated, not only the target contract data corresponding to the credit branch of the credit object is relied on, but also the target credit data corresponding to the credit branch of the credit object, wherein the target contract data provides the value of the parameter item of the contract dimension for the calculation of the target formula, and the target credit data provides the value of the parameter item of the credit dimension for the calculation of the target formula.

[0250] The following describes the above-described embodiment by taking the first credit branch as the credit branch 1 shown in Table 1 (or FIG. 3) as an example.

[0251] It is assumed that the credit occupation evaluation mode determined to be used based on the credit branch 1 of the customer A is the signed non-return mode, and the target formula corresponding to the credit branch 1 includes the above-described formula (1) and the above-described formula (5). As can be seen from the formula (5), the formula (5) includes two parameter items of the credit dimension, which are the commercial factoring amount and the risk sharing buy-loan amount, respectively. For details, please refer to the description of the aforementioned formula (5), which will not be repeated here.

[0252] First, the acquisition process of the target credit data corresponding to the credit branch 1 of the customer A is described. Based on the credit branch 1 of the customer A, the credit dimension corresponding to the customer A and the dimension value of the credit dimension in the first credit branch are determined, wherein the credit dimension corresponding to the customer A includes “industry”, “transaction country” and “product”, the dimension value of “industry” in the first credit branch is “digital energy”, the dimension value of “transaction country” in the first credit branch is “China”, and the dimension value of “product” in the first credit branch is “electric”. Based on the credit dimension corresponding to the customer A and the dimension value of the credit dimension in the first credit branch, the customer dimension table data of the customer A (as shown in Table 6) is queried, and the second row data of Table 6 is found to satisfy “industry” is “digital energy”, “transaction country” is “China” and “product” is “electric”. Therefore, the second row data of Table 6 is taken as the target credit data corresponding to the credit branch 1 of the customer A, and the target credit data corresponding to the credit branch 1 of the customer A is extracted from the customer dimension table data of the customer A, as shown in Table 10.

[0253] Table 10 Target credit data corresponding to the credit branch 1 of the customer A

[0254] Thus, the target contract data corresponding to the credit branch 1 of the customer A is shown in Table 7, the target credit data corresponding to the credit branch 1 of the customer A is shown in Table 10, and the target formula corresponding to the credit branch 1 includes formula (1) and formula (5). The calculation process of the credit occupation amount of the customer A under the credit branch 1 includes: using formula (1) to calculate the signed but not returned amount of each contract in the target contract data shown in Table 7, which can obtain that the signed but not returned amount of contract H01 is 500 and the signed but not returned amount of contract H02 is 500. This process is described in the corresponding content of S503, which will not be described here. Then, using formula (5) to calculate the signed but not returned amount of each contract in the target contract data and the target credit data shown in Table 10, obtaining the credit occupation amount of the customer A under the credit branch 1, that is, substituting the signed but not returned amount of contract H01, the signed but not returned amount of contract H02, the commercial factoring amount 1000 and the risk sharing buy-loan amount 500 in Table 10 into formula (5) to perform the calculation of 1000+500+(500+500), obtaining that the credit occupation amount of the customer A under the credit branch 1 is 2500.

[0255] When the credit object is a customer group, the calculation of the credit occupation amount of the credit object under the first credit branch can also use the foregoing method, that is, extracting the target contract data corresponding to the first credit branch of the credit object from the contract dimension table data based on the first credit branch of the credit object; determining the credit occupation evaluation mode used by the first credit branch based on the first credit branch of the credit object; determining the target formula from the credit calculation formula in the first credit branch based on the credit occupation evaluation mode used by the first credit branch; and finally using the target formula to calculate the target contract data to obtain the credit occupation amount of the credit object under the first credit branch.

[0256] After obtaining the credit occupation amount corresponding to each credit branch of the credit object, for any credit branch, the credit balance of the credit branch can also be calculated by using the preset credit balance calculation formula to calculate the credit occupation amount corresponding to the credit branch and the credit amount corresponding to the credit branch. In addition, the total credit occupation amount of the credit object can also be obtained by using the preset summation formula to perform summation operation on the credit occupation amount corresponding to each credit branch of the credit object.

[0257] Exemplarily, after obtaining the credit occupation amount corresponding to each credit branch of the credit object, the credit occupation amount corresponding to the plurality of credit branches can be sorted by using a sorting function to obtain the sorting result of the plurality of credit branches.

[0258] S205: The credit management device sends the credit evaluation request result to the client.

[0259] The credit result of the credit evaluation request can refer to the description of the corresponding content in the foregoing S204, which will not be described here again.

[0260] In the embodiment of FIG. 2, the credit configuration data includes a plurality of different credit branches of the credit object, each credit branch is used to perform a dimension of credit evaluation on the credit object, so that a plurality of different dimensions of credit evaluation can be performed on the credit object respectively, thereby improving the accuracy of credit evaluation of the credit object. Each credit branch includes a dimension value of each credit dimension corresponding to the credit object, and each credit branch has its own credit occupation evaluation method and credit calculation formula, which not only increases the flexibility and adaptability of credit management, but also increases the fine degree of credit management, and realizes the independent management of the credit object under different credit branches.

[0261] In the present application, before obtaining the credit evaluation request, the credit management device can obtain the credit dimension corresponding to the credit object and the dimension value of the credit dimension through the configuration interface; based on the credit dimension corresponding to the credit object, the dimension value of the credit dimension, and the corresponding relationship between the dimension values of different credit dimensions, the plurality of credit branches are constructed; finally, the credit configuration data is generated according to the plurality of credit branches.

[0262] Exemplarily, the configuration interface can be in the form of a graphical user interface (GUI) or an application programming interface (API).

[0263] In an implementation manner, the client sends a credit configuration request to the credit management device in response to the detection of the user operation; the credit management device sends the page code of the credit configuration page to the client in response to the credit configuration request; and the client renders the page code of the credit configuration page to generate and display the credit configuration page. The credit configuration page is a page generated by using hypertext markup language (HTML) code, for example. Here, the credit configuration page belongs to the graphical user interface described above.

[0264] Exemplarily, the credit configuration page includes a dimension configuration page and a formula configuration page, wherein the dimension configuration page is used to support the user to configure the credit dimension of the credit object to determine the plurality of credit branches of the credit object, and the formula configuration page is used to support the user to configure the credit calculation formula for the credit branch of the credit object. The dimension configuration page and the formula configuration page can be displayed independently through different pages, or can be integrated into one page for display.

[0265] Figures 6A, 6B, 6C and 7 are an example of displaying the dimension configuration page and the formula configuration page separately, wherein Figures 6A, 6B or 6C are the dimension configuration page, and Figure 7 is the formula configuration page.

[0266] Referring to Figure 6A, Figure 6A is a schematic diagram of a dimension configuration page provided by the present application. The dimension configuration page comprises a credit dimension pool bar 610, a dimension hierarchy definition bar 620 and a credit branch definition bar 630 of a credit object.

[0267] The credit dimension pool bar 610 lists a plurality of credit dimensions available for user selection, such as transaction country, industry, currency, product, etc.

[0268] The dimension hierarchy definition bar 620 is used for user to set the credit dimension corresponding to the credit object and the hierarchy information of the credit dimension. For example, the user selects the credit dimension from the credit dimension pool bar 610, and places the selected credit dimension in the dimension hierarchy definition bar 620 as the credit dimension corresponding to the credit object in a drag-and-drop manner. In addition, the placement position of the credit dimension in the dimension hierarchy definition bar 620 is determined based on the hierarchy information set for the credit dimension, and the higher the hierarchy of the credit dimension, the closer the placement position of the credit dimension to the top end of the page. Alternatively, an input box of the hierarchy information can be provided for user to input the hierarchy information of the corresponding credit dimension.

[0269] The credit branch definition bar 630 of the credit object is used for user to set the type of the credit object (such as a customer or a customer group), the identification of the credit object, the dimension value of the credit dimension corresponding to the credit object, and the corresponding relationship between the dimension values of different credit dimensions, so as to construct a plurality of credit branches of the credit object.

[0270] For example, in the interface shown in Figure 6A, the user sets the credit object as "customer" and the identification of the credit object as "A" in the credit branch definition bar 630 of the credit object, i.e. sets the credit object as customer A, and then selects the credit dimensions "industry", "transaction country" and "product" from the credit dimension pool bar 610 and drags them to the dimension hierarchy definition bar 620. The "industry", "transaction country" and "product" are arranged in the dimension hierarchy definition bar 620 in the order from top to bottom, thereby determining that the credit dimensions corresponding to customer A are "industry", "transaction country" and "product", and determining that the hierarchy L1 of "industry" is higher than the hierarchy L2 of "transaction country", and the hierarchy L2 of "transaction country" is higher than the hierarchy L3 of "product".

[0271] Further, in the credit branch definition column 630 of the credit object, the dimension value of "industry" is set as "digital energy" in the L1 level, the dimension value of "transaction country" is set as "China" and "Germany" in the L2 level, and the dimension value of "product" is set as "electricity", "photovoltaic" and "station" in the L3 level, "digital energy" is connected with "China" and "Germany", "China" is connected with "electricity", and "Germany" is connected with "photovoltaic" and "station". In addition, the dimension value of "industry" is set as "consumer business" in the L1 level, the dimension value of "transaction country" is set as "Brazil" and "China" in the L2 level, and the dimension value of "product" is set as "tablet" and "personal computer" in the L3 level, "consumer business" is connected with "Brazil" and "China", "Brazil" is connected with "tablet", and "China" is connected with "personal computer". Accordingly, based on the credit dimension of the customer A set by the user, the dimension values of the credit dimension, and the corresponding relationship between the dimension values of different credit dimensions, five credit branches of the customer A are obtained, which are credit branch 1 {industry (digital energy), transaction country (China), product (electricity)}, credit branch 2 {industry (digital energy), transaction country (Germany), product (photovoltaic)}, credit branch 3 {industry (digital energy), transaction country (Germany), product (station)}, credit branch 4 {industry (consumer business), transaction country (Brazil), product (tablet)}, and credit branch 5 {industry (consumer business), transaction country (China), product (personal computer)}.

[0272] The interface shown in FIG. 6A is only an example, and the dimension configuration page for the customer is not limited to be only as shown in FIG. 6A. In some possible embodiments, FIG. 6A can further include more or less information, for example, an input box for setting a credit amount for each credit branch.

[0273] Referring to FIG. 6B, FIG. 6B is a schematic diagram of another dimension configuration page provided by the present application. The dimension configuration page shown in FIG. 6B includes a credit object and credit dimension definition column 611 and a credit branch definition column 612. In the credit object and credit dimension definition column 611, there are a selection box of the credit object, an input box of the identification of the credit object, and an input box for defining the credit dimension. Based on the configuration of the user in the credit object and credit dimension definition column 611, a table including key fields such as credit branch number, credit dimension defined by the user for the credit object, and credit amount is presented in the credit branch definition column 612, and the user can add at least one mapping information in the table.

[0274] For example, in the interface shown in FIG. 6B, the user sets the credit object as "customer", the identification of the credit object as "A", and defines the credit dimensions corresponding to the credit object to include "industry", "transaction country", and "product" in the credit object and credit dimension definition bar 611, and clicks the "OK" key. In response to the operation, a table including the key fields of "credit branch number", "industry", "transaction country", "product", and "credit amount" is presented in the credit branch definition bar 612. Further, the user adds 5 pieces of mapping information in the table. For example, the mapping information "1-digital energy-China-electric-2000" filled in the second row of the table is used to construct credit branch 1, which includes "industry" as "digital energy", "transaction country" as "China", "product" as "electric", and "credit amount" as "20000". After the user performs the above configuration, the user clicks the "Save" key, and accordingly, 5 credit branches are constructed for customer A, each of which corresponds to a piece of mapping information in the table.

[0275] FIG. 6A and FIG. 6B both support the individualized configuration of the credit dimensions of the credit object, with the difference being that FIG. 6A is configured in the form of a tree diagram, and FIG. 6B is configured in the form of a table. The interface shown in FIG. 6B is only an example, and can also be any interface that can realize the configuration of the credit dimensions of the credit object.

[0276] The above FIG. 6A and FIG. 6B are an example of the configuration of the credit dimensions when the credit object is a customer. In some possible embodiments, when the credit object is a customer group, the corresponding credit configuration page can be, for example, as shown in FIG. 6C. Referring to FIG. 6C, FIG. 6C is a schematic diagram of another credit configuration page provided by the present application. The interface shown in FIG. 6C also includes the credit dimension pool bar 610, the dimension hierarchy definition bar 620, and the credit branch definition bar 630 of the credit object. For details, please refer to the description of the corresponding content in the foregoing FIG. 6A.

[0277] Compared with FIG. 6A, when the user sets the credit object as "customer group" in the credit branch definition bar 630 of the credit object shown in FIG. 6C, the credit branch definition bar 630 of FIG. 6C not only shows the input box of the identification of the credit object, but also shows the input box of the customer member in the credit object. The configuration process of the user on the interface shown in FIG. 6C can refer to the related description of the foregoing FIG. 6A, and for the sake of brevity of the description, will not be described here.

[0278] The interface shown in FIG. 6C is only an example, and does not limit the dimension configuration page for the customer group to be only as shown in FIG. 6C. For example, an input box of the credit amount can also be set under each credit branch in FIG. 6C, or the interface shown in FIG. 6C can also be set in the form shown in the above FIG. 6B, which is not limited here.

[0279] Referring to FIG. 7, FIG. 7 is a schematic diagram of a formula configuration page provided by the present application. The formula configuration page shown in FIG. 7 is used to configure the credit calculation formula for the credit branch of the customer A. The page shown in FIG. 7 can correspond to the page shown in FIG. 6A or FIG. 6B. After the user completes the configuration on the page shown in FIG. 6A or FIG. 6B, the user clicks the "Save" button. In response to the operation, the page jumps to the page shown in FIG. 7.

[0280] The page shown in FIG. 7 mainly includes left and right parts. The left half is the navigation bar of the credit branch, and the right half is the formula configuration area of the credit branch. As can be seen from FIG. 7, the left half shows that the customer A has five credit branches, which are credit branch 1, credit branch 2, …, credit branch 5. When the user clicks a credit branch, the credit calculation formula of the credit branch can be configured in the area presented in the right half.

[0281] Exemplarily, in FIG. 7, the user clicks "credit branch 2", and the formula configuration area of the credit branch 2 is presented on the right side. The formula configuration area of the credit branch 2 includes the credit occupation evaluation method selection area, the signed-unsigned formula setting area, and the sent-unreceived formula setting area.

[0282] The following specifically describes each area in the formula configuration area of the credit branch 2 in FIG. 7.

[0283] The credit occupation evaluation method selection area shows the selection box of signed-unsigned and the selection box of sent-unreceived. The user can select one of them as the credit occupation evaluation method of the credit branch 2. If the user selects the credit occupation evaluation method as signed-unsigned, it means that the credit calculation formula needs to be configured in the signed-unsigned formula setting area. If the user selects the credit occupation evaluation method as sent-unreceived, it means that the credit calculation formula needs to be configured in the sent-unreceived formula setting area.

[0284] The signed-unsigned formula setting area shows two setting methods, which are distinguishing contract type and not distinguishing contract type. When the user selects the selection box of "distinguishing contract type", the signed-unsigned formula setting area shows four formula input boxes, which are the input box of the signed-unsigned formula corresponding to the equipment contract, the input box of the signed-unsigned formula corresponding to the service contract, the input box of the signed-unsigned formula corresponding to the mixed signed contract, and the input box of the signed-unsigned formula of the credit branch layer. In some possible embodiments, when the user selects the selection box of "not distinguishing contract type", the signed-unsigned formula setting area shows two formula input boxes, which are the input box of the signed-unsigned formula of the contract layer and the input box of the signed-unsigned formula of the credit branch layer.

[0285] The unreturned formula setting area shows two setting modes, which are distinguishing contract type and not distinguishing contract type. When the user selects the check box of not distinguishing contract type, the unreturned formula setting area shows two formula input boxes, which are the input box of the unreturned formula of the contract layer and the input box of the unreturned formula of the credit branch layer. In some possible embodiments, when the user selects the check box of distinguishing contract type, the unreturned formula setting area shows four formula input boxes, which are the input box of the unreturned formula corresponding to the equipment contract, the input box of the unreturned formula corresponding to the service contract, the input box of the unreturned formula corresponding to the mixed contract, and the input box of the unreturned formula of the credit branch layer.

[0286] In the formula configuration area of the credit branch 2, the user sets a credit occupancy evaluation mode for the credit branch 2, and configures a credit calculation formula for the credit branch 2 in the corresponding formula configuration area. The configured credit calculation formula at least includes the credit calculation formula corresponding to the set credit occupancy evaluation mode. After the configuration is performed, the user clicks the save key. Accordingly, the credit management device can obtain the credit occupancy evaluation mode of the credit branch 2 of the customer A and the credit calculation formula of the credit branch 2.

[0287] For example, in the interface shown in FIG. 7, the user sets the credit occupancy evaluation mode as unreturned, and in the unreturned formula setting area, the user selects not distinguishing contract type. In this case, the above formula (3) can be input into the input box of the unreturned formula of the contract layer, and the above formula (4) can be input into the input box of the unreturned formula of the credit branch layer.

[0288] For example, in the interface shown in FIG. 7, the user sets the credit occupancy evaluation mode as unreturned, and in the unreturned formula setting area, the user selects not distinguishing contract type. In this case, the above formula (3) can be input into the input box of the unreturned formula of the contract layer, and the above formula (4) can be input into the input box of the unreturned formula of the credit branch layer.

[0289] The page shown in FIG. 7 is only an example, and the formula configuration page is not limited to the one shown in FIG. 7. In some possible embodiments, the page shown in FIG. 7 can include more or less information. For example, the number of formula input boxes in the above unreturned formula setting area or unreturned formula setting area can be customized by the user. In some possible embodiments, FIG. 7 can be combined with FIG. 6A or FIG. 6B to display as one page.

[0290] Through the above provided some credit configuration pages, the credit dimensions and the credit calculation formula of the credit object can be configured by the user, and the credit object in different credit dimensions can be supported to be differentially credited, so that the credit management of the credit object is more refined.

[0291] The credit management method provided in the present application is described in detail above in combination with FIGS. 1 to 7. The credit management system, the computing device and the computing device cluster provided in the present application are respectively introduced below in combination with FIGS. 8 to 11.

[0292] Referring to FIG. 8, FIG. 8 is a structural schematic diagram of a credit management system provided in the present application. The credit management system includes a client 120 and a credit management apparatus 200.

[0293] The credit management apparatus 200 includes an acquisition module 201 and a processing module 202. The acquisition module 201 is configured to acquire a credit evaluation request, the credit evaluation request being used to instruct to perform credit evaluation on a credit object associated with a first user; and the processing module 202 is configured to determine credit configuration data associated with the first user according to the credit evaluation request, the credit configuration data including a plurality of credit branches, the plurality of credit branches including a plurality of credit branches of different dimensions, each credit branch of the plurality of credit branches being used to perform credit evaluation of one dimension on the credit object, and each credit branch of the plurality of credit branches including a credit occupation evaluation mode and a credit calculation formula; and the processing module 202 is further configured to determine a credit result of the credit evaluation request according to the credit configuration data, the credit result including at least one of a total credit occupation amount of the credit object, a credit amount corresponding to each credit branch of the plurality of credit branches, a credit occupation amount and a credit balance, or a sorting result of the plurality of credit branches. In some possible embodiments, the credit management apparatus 200 further includes a sending module 203, and the sending module 203 is configured to send the credit result of the credit evaluation request to the client 120.

[0294] The acquisition module 201, the processing module 202 and the sending module 203 can be implemented by software or by hardware. For example, the implementation of the processing module 202 is introduced below. Similarly, the implementation of the acquisition module 201 and the sending module 203 can refer to the implementation of the processing module 202.

[0295] As an example of a software functional unit, the processing module 202 can include code running on a compute instance. The compute instance can include at least one of a physical host (computing device), a virtual machine, a container. Further, the compute instance can be one or more. For example, the processing module 202 can include code running on multiple hosts / virtual machines / containers. It should be noted that the multiple hosts / virtual machines / containers for running the code can be distributed in the same region, or in different regions. Further, the multiple hosts / virtual machines / containers for running the code can be distributed in the same availability zone (AZ), or in different AZs, each AZ including one data center or multiple data centers in close geographical proximity. Typically, a region can include multiple AZs.

[0296] Similarly, the multiple hosts / virtual machines / containers for running the code can be distributed in the same virtual private cloud (VPC), or in multiple VPCs. Typically, a VPC is set up within a region, and communication between two VPCs in the same region, or between VPCs in different regions, requires a communication gateway in each VPC to enable interconnection between VPCs.

[0297] As an example of a hardware functional unit, the processing module 202 can include at least one computing device, such as a server or the like. Alternatively, the processing module 202 can also be a device implemented with a central processing unit (CPU), or implemented with an application-specific integrated circuit (ASIC), or implemented with a programmable logic device (PLD), or the like. The PLD can be implemented with a complex programmable logical device (CPLD), a field-programmable gate array (FPGA), a generic array logic (GAL), a data processing unit (DPU), a neural network processing unit (NPU), a system on chip (SoC), an offload card, an acceleration card, or any combination thereof.

[0298] The multiple computing devices included in the processing module 202 can be distributed in the same region, or distributed in different regions. The multiple computing devices included in the processing module 202 can be distributed in the same AZ, or distributed in different AZs. Similarly, the multiple computing devices included in the processing module 202 can be distributed in the same VPC, or distributed in multiple VPCs. The multiple computing devices can be any combination of servers, ASICs, PLDs, CPLDs, FPGAs, GALs, DPUs, NPUs, SoCs, offload cards, acceleration cards, and the like.

[0299] It should be noted that in other embodiments, the obtaining module 201 can be configured to perform any of the steps of the method performed by the trust management device side in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5, the processing module 202 can be configured to perform any of the steps of the method performed by the trust management device side in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5, the sending module 203 can be configured to perform any of the steps of the method performed by the trust management device side in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5, the A module, the B module, and the C module are responsible for implementing the steps as needed, and the overall functions of the trust management apparatus 200 are implemented by the obtaining module 201, the processing module 202, and the sending module 203 to implement different steps of the method performed by the trust management device side in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5.

[0300] The client 120 and the trust management apparatus 200 can be implemented by software or by hardware. The implementation of the client 120 can refer to the implementation of the trust management apparatus 200 described above.

[0301] The application further provides a chip system, which comprises a processor and a power supply circuit, the power supply circuit being configured to supply power to the processor, and the processor being configured to perform the operation steps corresponding to the method performed by the trust management device side in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5. For brevity, details are not repeated here. The processor can be implemented by a GPU, or by a DPU, a NPU, an XPU, a SoC, an offload card, an acceleration card, or the like.

[0302] Referring to FIG. 9, FIG. 9 is a structural schematic diagram of a computing device provided by the application. The computing device 900 comprises a bus 902, a processor 904, a memory 906, and a communication interface 908. The processor 904, the memory 906, and the communication interface 908 communicate through the bus 902. The computing device 900 can be a server or a terminal device. It should be understood that the number of processors and memories in the computing device 900 is not limited by the application. The computing device can be a server, for example, a central server, an edge server, or a local server in a local data center. In some embodiments, the computing device can also be a terminal device such as a desktop computer, a notebook computer, or a smart phone.

[0303] The bus 902 can be a peripheral component interconnect Express (PCIe) bus or an extended industry standard architecture (EISA) bus, a unified bus (Ubus or UB), a compute express link (CXL), a cache coherent interconnect for accelerators (CCIX), or the like. The unified bus can also be referred to as a coherent bus. The bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one line is represented in FIG. 5, but it does not mean that there is only one bus or only one type of bus. The bus 902 can include a path for transmitting information between various components (e.g., the memory 906, the processor 904, the communication interface 908) of the computing device 900. The unified bus can also be referred to as a coherent bus.

[0304] The processor 904 can include any one or more of a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor (MP), or a digital signal processor (DSP), an ASIC, a FPGA, a CPLD, an NPU, a SoC, an offload card, an acceleration card, or the like computing device.

[0305] The memory 906 can include a volatile memory, such as a random access memory (RAM) including a dynamic or static RAM (DRAM or SRAM). The processor 904 can also include a non-volatile memory, such as a read-only memory (ROM), a flash memory, a hard disk drive (HDD), or a solid-state drive (SSD). In addition, the memory 906 can also be implemented by a storage class memory (SCM), a phase change memory (PCM), or other types of storage media.

[0306] It is worth mentioning that the same type of storage medium can be configured in the same computing device to implement the memory 906 function, or two or more types of storage media can be configured to implement the memory 906 function, and the present application does not limit this.

[0307] The memory 906 stores executable program code, and the processor 904 executes the executable program code to respectively implement the functions of the foregoing acquisition module 201, processing module 202, and sending module 203, thereby implementing the method on the side of the trust management device described in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5. That is, the memory 906 stores instructions for executing the method on the side of the trust management device described in FIG. 2 and the method described in the embodiment of FIG. 5.

[0308] The communication interface 908 uses a transceiver module such as but not limited to a network interface card and a transceiver to implement communication between the computing device 900 and other devices or communication networks.

[0309] As a possible implementation manner, the computing device 900 can also include a chip system including a processor and a power supply circuit for performing power supply for the processor, and the processor is used to perform the operation steps corresponding to the method on the side of the trust management device described in FIG. 2 and the method described in FIG. 5. For the sake of brevity, it will not be repeated here. The processor can be implemented by a GPU, and can also be implemented by a DPU, NPU, XPU, SoC, offload card, acceleration card, and other computing devices or AI chips.

[0310] As a possible implementation manner, the computing device 900 can include multiple types of processors 904, that is, the computing device 900 is a heterogeneous device, for example, the computing device 900 includes a CPU and a GPU, and at least one of the processors 904 in the computing device 900 can perform the operation steps corresponding to the method on the side of the trust management device described in FIG. 2 and the method described in FIG. 5. For the sake of brevity, it will not be repeated here.

[0311] Referring to FIG. 10, FIG. 10 is a structural schematic diagram of a computing device cluster provided by the present application. The computing device cluster includes at least one computing device. The computing device can be a server, for example, a central server, an edge server, or a local server in a local data center. In some embodiments, the computing device can also be a desktop computer, a notebook computer, or a terminal device such as a smart phone.

[0312] As shown in FIG. 10, the computing device cluster includes at least one computing device 900. The memory 906 in one or more computing devices 900 in the computing device cluster can store the same instructions for executing the method on the side of the trust management device described in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5.

[0313] In some possible implementation, the memory 906 of one or more of the computing devices 900 in the computing device cluster can also respectively store partial instructions for performing the method described in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5. In other words, the combination of one or more computing devices 900 can collectively perform the instructions for performing the method described in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5.

[0314] It should be noted that the memory 906 in different computing devices 900 in the computing device cluster can store different instructions for performing the above-described partial functions of the trust management apparatus 200. That is, the memory 906 in different computing devices 900 can store instructions for implementing the functions of one or more of the above-described obtaining module 201, processing module 202 and sending module 203.

[0315] In some possible implementation, one or more computing devices in the computing device cluster can be connected through a network. The network can be a wide area network, a local area network, or the like. FIG. 11 shows one possible implementation. As shown in FIG. 11, two computing devices 900A and 900B are connected through a network. Specifically, the computing devices are connected to the network through the communication interfaces in the computing devices. In this type of possible implementation, the memory 906 in the computing device 900A stores instructions for performing the functions of the obtaining module 201. Meanwhile, the memory 906 in the computing device 900B stores instructions for performing the functions of the processing module 202 and the sending module 203.

[0316] The connection between the above-described computing device cluster can also be such that, in the above-described trust management method provided by the present application, the functions of the processing module 202 depend on the data obtained by the obtaining module 201, and a large amount of computing resources and storage resources are required, so the functions implemented by the above-described obtaining module 201 and processing module 202 are performed by one computing device.

[0317] It should be understood that the functions of the computing device 900A shown in FIG. 11 can also be performed by multiple computing devices 900. Similarly, the functions of the computing device 900B can also be performed by multiple computing devices 900.

[0318] The present application also provides a computer program product containing instructions. The computer program product can be a software or program product containing instructions, which can be run on a computing device or stored in any available medium. When the computer program product is run on at least one computing device, the at least one computing device performs the above-described method described in the embodiment of FIG. 2 and the method described in the embodiment of FIG. 5.

[0319] The present application also provides a computer readable storage medium. The computer readable storage medium can be any available medium or data storage device that can be used to store the desired information and that can be accessed by a computing device. By way of example, and not limitation, such computer readable storage media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to store desired program code in the form of computer readable instructions, data structures, program modules or other data, and that can be accessed by a general purpose or special purpose computing device. The computer readable storage medium includes instructions that instruct a computing device to perform the method described in the embodiment of FIG. 2 on the trusted management device side and the method described in the embodiment of FIG. 5.

[0320] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than limit them; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that they can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacements for some technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the protection scope of the technical solutions of the embodiments of the present application.

Claims

A credit management method, characterized by, The method comprises: obtaining a credit evaluation request, the credit evaluation request being used to indicate performing credit evaluation on a credit object associated with a first user; determining credit configuration data of the first user according to the credit evaluation request, the credit configuration data comprising a plurality of credit branches, the plurality of credit branches comprising a plurality of credit branches of different dimensions, each of the plurality of credit branches being used to perform credit evaluation of one dimension on the credit object, each of the plurality of credit branches comprising a credit occupation evaluation mode and a credit calculation formula; determining a credit result of the credit evaluation request according to the credit configuration data, the credit result comprising at least one of a total credit occupation amount of the credit object, a credit amount corresponding to each of the plurality of credit branches, a credit occupation amount and a credit balance, or a sorting result of the plurality of credit branches. The method of claim 1, wherein The credit occupation evaluation mode comprises a signed but not returned mode and a sent but not returned mode, when the credit occupation evaluation mode is the signed but not returned mode, the credit calculation formula comprises a first group of formulas corresponding to the signed but not returned mode, the credit occupation amount calculated by the first group of formulas being a signed but not returned amount; when the credit occupation evaluation mode is the sent but not returned mode, the credit calculation formula comprises a second group of formulas corresponding to the sent but not returned mode, the credit occupation amount calculated by the second group of formulas being a sent but not returned amount. The method according to claim 2, characterized in that The plurality of credit branches comprises a first credit branch, and the determining of the credit result of the credit evaluation request according to the credit configuration data comprises: determining a credit occupation evaluation mode used by the first credit branch based on the first credit branch; determining a target formula from the credit calculation formula in the first credit branch based on the credit occupation evaluation mode used by the first credit branch, the target formula being the first group of formulas or the second group of formulas; determining a credit result corresponding to the first credit branch of the credit object according to the first credit branch and the target formula. The method according to claim 3, characterized in that The determining of the credit result corresponding to the first credit branch of the credit object according to the first credit branch and the target formula comprises: obtaining a credit dimension corresponding to the credit object and a dimension value of the credit dimension based on the first credit branch; extracting target contract data from contract dimension table data based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension, fields in the contract dimension table data comprising the credit dimension corresponding to the credit object and a parameter item in the target formula; performing calculation according to the target formula and the target contract data to obtain the credit result corresponding to the first credit branch of the credit object. The method according to claim 4, characterized in that The performing of calculation according to the target formula and the target contract data comprises: calculating a credit occupation amount of each contract in the target contract data and a credit occupation amount corresponding to the first credit branch of the credit object using the target formula, the credit occupation amount corresponding to the first credit branch of the credit object being associated with the credit occupation amount of each contract in the target contract data. 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corresponding to the first credit branch of the credit object. The processing module is specifically configured to: The apparatus of claim 12, wherein obtain, based on the first credit branch, a credit dimension corresponding to the credit object and a dimension value of the credit dimension; extract, based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension, target contract data from contract dimension table data, fields in the contract dimension table data including the credit dimension corresponding to the credit object and parameter items in the target formula; perform calculation according to the target formula and the target contract data to obtain the credit result corresponding to the first credit branch of the credit object. The processing module is specifically configured to: The apparatus of claim 13, wherein calculate, using the target formula, credit occupation amounts of each contract in the target contract data and a credit occupation amount corresponding to the first credit branch of the credit object, the credit occupation amount corresponding to the first credit branch of the credit object being associated with the credit occupation amounts of the contracts in the target contract data. The processing module is specifically configured to: The apparatus of claim 14, wherein calculate, according to a contract type of a contract in the target contract data, the credit occupation amount of each contract in the target contract data using the target formula. In the case that the target formula includes a parameter item of a credit dimension, the processing module is specifically configured to: The apparatus according to any one of claims 13-15, characterized in that obtain, based on the credit dimension corresponding to the credit object and the dimension value of the credit dimension, a value of the parameter item of the credit dimension from customer dimension table data; perform calculation according to the target formula, the target contract data and the value of the parameter item of the credit dimension. The apparatus according to any one of claims 10-16, wherein The obtaining module is further configured to obtain, through a configuration interface, a credit dimension corresponding to the credit object and a dimension value of the credit dimension; The processing module is further configured to construct the plurality of credit branches based on the credit dimension corresponding to the credit object, the dimension value of the credit dimension and a corresponding relationship between dimension values of different credit dimensions; The processing module is further configured to generate the credit configuration data according to the plurality of credit branches. The apparatus according to claim 17, wherein The obtaining module is further configured to obtain, through the configuration interface, a credit occupation evaluation mode and a credit calculation formula of each credit branch in the plurality of credit branches; The processing module is further configured to generate the credit configuration data according to the plurality of credit branches, the credit occupation evaluation mode of each credit branch and the credit calculation formula of each credit branch. The computing device includes a processor and a memory, the memory is configured to store instructions, and the processor is configured to execute the instructions stored in the memory to implement the method according to any one of claims 1-9. A computing device, characterized in that ​ A cluster of computing devices, characterized in that The cluster of computing devices comprises at least one computing device, each of the at least one computing device comprising a processor and a memory; The processor of the at least one computing device is configured to execute instructions stored in the memory of the at least one computing device to cause the cluster of computing devices to perform the method of any one of claims 1-9. A credit management system characterized by The credit management system comprises a credit management device and a client, the credit management device being an apparatus of any one of claims 10-19, or the cluster of computing devices of claim 20. A computer-readable storage medium, characterized by Computer instructions comprising, when executed by a processor, cause the cluster of computing devices to perform the method of any one of claims 1-9. A computer program product comprising instructions, characterized in that The instructions, when executed by the cluster of computing devices, cause the cluster of computing devices to perform the method of any one of claims 1-9.

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