CN114092282A - Patent pledge system, method and computer readable storage medium - Google Patents
Patent pledge system, method and computer readable storage medium Download PDFInfo
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Abstract
本发明公开了一种专利质押系统、方法和计算机可读存储介质。所述系统包括：质押客户端以及与所述质押客户端连接的服务器；所述质押客户端，用于接收用户在预设的专利数据库中对待质押专利的选取操作，并将所选取所述待质押专利的信息发送给所述服务器；所述服务器，用于对所述待质押专利进行价值评估，并将所述待质押专利的专利价值评估值发送给所述质押客户端。该系统通过服务器统一对待质押专利进行专利价值评估后，将专利价值评估值发送给质押客户端。本发明能够快速提供出待质押专利的专利价值，避免了人工评估的不确定性，降低了专利价值的衡量风险，使得在专利质押融资时增强了可信度和强化了监管。
The invention discloses a patent pledge system, method and computer-readable storage medium. The system includes: a pledge client and a server connected to the pledge client; the pledge client is configured to receive a user's selection operation of a patent to be pledged in a preset patent database, and select the selected patent to be pledged. The information of the pledged patent is sent to the server; the server is used for evaluating the value of the patent to be pledged, and sending the evaluation value of the patent value of the patent to be pledged to the pledge client. After the system evaluates the patent value of the patent to be pledged uniformly through the server, the evaluation value of the patent value is sent to the pledge client. The invention can quickly provide the patent value of the patent to be pledged, avoid the uncertainty of manual evaluation, reduce the risk of measuring the patent value, and enhance the credibility and supervision during the patent pledge financing.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a patent pledge system, a method and a computer readable storage medium.
Background
Patent is taken as an important intangible asset, the importance of Patent value evaluation is self-evident when in Patent pledge, and Patent pledge financing (Patent Backed roads) utilizes the Patent to carry out financing guarantee, which is beneficial to solving the problem of difficult financing of small and medium-sized enterprises. The invention patent, utility model patent and appearance design patent owned by the debtor or the third person in the patent pledge financing are assessed to make pledge for the bank, other financial institutions or investment companies to obtain loan, and pay back the loan interest according to the agreed interest rate and term, when the debtor does not fulfill the debt, the debtor has the right to use the price according to the patent right to discount or auction, the price of the alternate sale is paid back preferentially.
Although the national intellectual property bureau has already developed patent pledge financing test points in a plurality of regions in the country, intellectual property pledge financing still looks like performing ice, and the main reason is that the measurement of the patent value has risks. Namely, the existing patent pledge financing method has the problems of difficult patent technology asset evaluation, lack of credibility and supervision, unreal information and weak risk management and control.
Disclosure of Invention
In view of the above, the present invention has been made to provide a patent pledget system, method, and computer-readable storage medium that overcome or at least partially solve the above-mentioned problems.
In a first aspect, an embodiment of the present invention provides a patent pledge system, which may include:
the system comprises a pledge client and a server connected with the pledge client;
the pledge client is used for receiving the selection operation of a user on a pledge patent to be selected in a preset patent database and sending the information of the selected pledge patent to the server;
and the server is used for evaluating the value of the patent to be pledged and sending the evaluation value of the patent to be pledged to the pledge client.
Optionally, the evaluating the value of the to-be-pledged patent comprises:
determining at least one patent evaluation index of the to-be-pledged patent;
inputting at least one patent evaluation index into a preset patent value evaluation model to obtain a patent value evaluation value of the patent to be pledged;
the preset patent value evaluation model is obtained according to the following modes:
training a plurality of preset machine learning models respectively by using training samples to obtain a plurality of corresponding single evaluation models respectively;
carrying out weight assignment on the obtained multiple single evaluation models, and fusing the multiple single evaluation models into a composite evaluation model according to the weight value of each single evaluation model;
training the composite evaluation model by using the training sample to obtain a patent value evaluation model;
the training sample comprises a plurality of patent sample data, and each patent sample data comprises at least one patent evaluation index and a value evaluation value of the patent sample data.
Optionally, the system may further include: a financial institution client connected with the server;
the pledge client is also used for collecting pledge data information input by the user; sending the to-be-pledged patent, the patent value evaluation value and the pledge information to the financial institution client;
the financial institution client is used for sending the configuration information of the preset pledge loan rule to the server and sending the patent to be pledged, the patent value evaluation value and the pledge information to the server; receiving audit information whether to provide loan sent by the server, and sending the audit information to the pledge client;
and the server is also used for carrying out loan audit according to preset pledge loan rules and sending audit information of whether to provide loan to the financial institution client.
Optionally, the system may further include: a warranty agency client connected with the server;
the pledge client is used for sending the patent to be pledged, the patent value evaluation value and the pledge data information to the guaranty mechanism client; receiving auditing information which is sent by the client of the guarantee agency and used for guaranteeing whether to provide the guarantee or not;
the system comprises a client side of a guarantee mechanism, a server and a system server, wherein the client side of the guarantee mechanism is used for sending configuration information of a preset guarantee rule to the server and sending the patents to be pledged, the patent value evaluation value and pledge information to the server; receiving audit information whether a guarantee is provided or not sent by the server, and sending the to-be-pledged patent, the patent value evaluation value, the pledge information and the audit information whether the guarantee is provided or not to the financial institution client;
the financial institution client is used for receiving the to-be-pledged patent, the patent value evaluation value, the pledge information and the auditing information of whether to provide guarantee or not and sending the auditing information to the server;
and the server is used for carrying out guarantee auditing according to a preset guarantee rule and providing auditing information of whether guarantee is provided or not to the client of the guarantee agency.
Optionally, the pledge client is configured to receive a pledge data information template sent by the server, and collect pledge data information input by the user through the pledge data information template.
Optionally, when the audit information for providing the loan, which is received by the pledge client and sent by the financial institution client, or the audit information for providing the guarantee, which is received by the pledge client and sent by the guaranty institution client, fails to be audited by the pledge data information, receiving the pledge data information supplemented or modified by the user.
Optionally, the server is further configured to perform patent state evaluation on the to-be-pledged patent, and send a patent state evaluation result of the to-be-pledged patent to the pledge client.
Optionally, when the patent state evaluation result of the patent to be pledged received by the pledge client does not contain a patent which can be pledged, the selecting operation of the user to be pledged in the preset patent database is received, and the information of the selected patent to be pledged is sent to the server.
In a second aspect, an embodiment of the present invention provides a patent pledge method, where the method is applied to a server, and includes:
receiving a patent to be pledged selected by a user;
and evaluating the patent value of the patent to be pledged to obtain the evaluation value of the patent to be pledged.
In a third aspect, an embodiment of the present invention provides a patent pledge method, which may include:
receiving a patent to be pledged selected by a user and collecting pledge data information input by the user;
evaluating the patent value of the patent to be pledged to obtain the evaluation value of the patent to be pledged;
carrying out guarantee audit on the to-be-pledged patent, the pledge data information and the patent value evaluation value based on a preset guarantee rule to obtain audit information whether to provide guarantee or not;
and performing loan audit on the patent to be pledged, the pledged data information, the patent value evaluation value and the audit information on whether to provide guarantee based on a preset loan rule to obtain the audit information on whether to provide loan.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, in which computer-executable instructions are stored, and when executed by a processor, the computer-readable storage medium can implement the patent pledge method of the second aspect or the third aspect.
The technical scheme provided by the embodiment of the invention has the beneficial effects that at least:
the invention discloses a patent pledge system, a method and a computer readable storage medium. The system comprises: the system comprises a pledge client and a server connected with the pledge client; the pledge client is used for receiving the selection operation of a user on a pledge patent to be selected in a preset patent database and sending the information of the selected pledge patent to the server; and the server is used for evaluating the value of the patent to be pledged and sending the evaluation value of the patent to be pledged to the pledge client. The system performs patent value evaluation on the mortgage patent to be treated uniformly through the server and then sends the patent value evaluation value to the mortgage client. The invention can rapidly provide the patent value of the patent to be pledged, avoids the uncertainty of manual evaluation, reduces the risk of patent value measurement, enhances the credibility and strengthens the supervision when the patent pledge financing.
Preferably, the method and the system can evaluate the patent value of the patent to be pledged based on the server and perform the patent pledge according to the evaluation result; the system collects the pledge data information, can realize on-line quick material audit comparison, saves a large amount of resources, can quickly supplement and correct required materials when a patent pledge is carried out, and can effectively assist off-line audit.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic structural diagram of a patent pledge system provided in an embodiment of the present invention;
FIG. 2 is a flow chart of value assessment of a pledge patent provided in an embodiment of the present invention;
FIG. 3 is a flow chart of patent value assessment model training provided in an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of another patented pledget system provided in an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a third patented pledget system provided in an embodiment of the present invention;
FIG. 6 is a schematic diagram of the detailed working process of the patent pledge system provided in the embodiments of the present invention;
fig. 7 is a flowchart illustrating a method for pledging a patent according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The embodiment of the invention provides a patent pledge system, which can comprise a pledge client 1 and a server 2 connected with the pledge client 1, and is shown in figure 1;
the system comprises a pledge client 1, a server 2 and a client side, wherein the pledge client 1 is used for receiving the selection operation of a user on a pledge patent to be selected in a preset patent database and sending the information of the selected pledge patent to be selected to the server;
and the server 2 is used for evaluating the value of the patent to be pledged and sending the evaluation value of the patent to be pledged to the pledged client 1.
The method and the system for evaluating the patent value of the pledge comprise the steps that a user selects the pledge patent in a preset patent database, then the pledge patent is submitted to a server, and the server evaluates the patent value of the pledge patent uniformly and then sends the evaluation value of the patent value to a pledge client. The embodiment of the invention can rapidly provide the patent value of the patent to be pledged, avoids the uncertainty of manual evaluation, reduces the risk of patent value measurement, enhances the credibility and strengthens the supervision during the patent pledge financing.
It should be noted that the patent pledge system provided in the embodiment of the present invention may be combined with an existing patent pledge program, for example, the system provided in the embodiment of the present invention is used to perform online audit, and after the audit is passed, a user of a pledge client may carry a material to perform offline audit, which is convenient for an audit process and improves audit efficiency. Because the existing patent pledge program must be audited offline, the financial institution deposits money to the pledge, and if the financial institution also approves the same legal effectiveness of online audit, the pledge program can be independently completed by the embodiment of the invention, which is not limited specifically.
Specifically, the method for evaluating the value of the pledge patent according to the embodiment of the present invention, as shown in fig. 2, may include the following steps:
and step S21, determining at least one patent evaluation index of the to-be-pledged patent.
The patent evaluation indexes in the embodiment of the invention include, but are not limited to, the following indexes: patent type, number of country of layout, diffusion index, external growth index, country of citing patent document, technical cycle period, number of quoted, relative quoted number, rate of other quotes, forward quote time span, current influence, and the like.
According to the method and the device, the evaluation is carried out on the to-be-pledged patent by using the indexes with different dimensions, the defect that misjudgment is easily caused by a single index is avoided, and the real value evaluation value of the to-be-pledged patent can be reflected more accurately.
And step S22, inputting at least one patent evaluation index into a preset patent value evaluation model to obtain a patent value evaluation value of the patent to be pledged.
According to the embodiment of the invention, the patent evaluation index is input into the trained machine model, so that the real value evaluation value of the to-be-pledged patent can be rapidly obtained, and compared with a manual evaluation mode, the evaluation efficiency is accelerated, and the evaluation accuracy is improved.
Specifically, the preset patent value evaluation model in this embodiment can be obtained according to the following steps, as shown in fig. 3:
step S31, training a plurality of preset machine learning models respectively by using training samples to obtain a plurality of corresponding single evaluation models respectively;
step S32, carrying out weight assignment on the obtained multiple single evaluation models, and fusing the multiple single evaluation models into a composite evaluation model according to the weight value of each single evaluation model;
s33, training the composite evaluation model by using the training sample to obtain a patent value evaluation model;
the training sample comprises a plurality of patent sample data, and each patent sample data comprises at least one patent evaluation index and a value evaluation value of the patent sample data.
According to the embodiment of the invention, a plurality of preset machine learning models are respectively trained based on a large number of training samples, so that a plurality of corresponding single evaluation models are obtained. Because each patent sample data comprises at least one patent evaluation index and a value evaluation value, the patent evaluation index does not depend on a weighted value made by the subjective influence of an expert when model training is carried out, and the interference of subjective factors is discharged in a machine learning mode, so that a plurality of objective single evaluation models are obtained. And then carrying out weight assignment on the multiple single evaluation models, namely each model has respective model weight, fusing the models into a composite evaluation model according to the weight value of each single evaluation model, and training the composite evaluation model based on a large number of training samples to finally obtain the patent value evaluation model. In order to avoid the deviation of a single evaluation model, the inventor fuses a plurality of single evaluation models, so that a large number of trained composite evaluation models are more stable, and the value evaluation value of a patent can be more accurately and objectively reflected.
Moreover, the patent value evaluation model generated by the embodiment of the invention can quickly and accurately obtain the value evaluation value of the patent based on at least one patent evaluation index, is more convenient and quicker compared with manual operation in the prior art, improves the overall efficiency and accuracy, reduces the risk of measuring the patent value and improves the wind control capability.
In a specific embodiment, in the training method of the patent value evaluation model, a preset machine learning model is trained, taking a multiple linear regression model as an example, and the first step is data preprocessing: removing dirty data, supplementing missing data, normalizing the data, and splitting the data into a training set and a verification set; the second step is data analysis: screening out indexes with high relevance through a principal component analysis method, information entropy calculation and the like; and thirdly, model building: introducing a Linear regression module from a sklearn learning library; the fourth step is model training: inputting the processed training sample into a model, and automatically training the model; the fifth step is model verification: inputting the processed verification set into a model to obtain a verification result; the sixth step is that according to the result of model verification: for example, mean square error, etc., adjusting 1 step and 2 steps, for example, increasing or decreasing the cleaning strength of dirty data, the threshold value of the screening index, etc.; steps 4, 5, 6 are then repeated until the model achieves the desired result. And then fusing the trained single evaluation models, for example, respectively assigning model weights of 5 models of a multivariate linear regression model, a polynomial regression model, a random forest, a gradient lifting tree and XGboost, wherein the weight values are all 0.2, fusing the model weights into a composite evaluation model, inputting the training samples into each model to obtain numerical values, and weighting and summing each numerical value and the corresponding weight to obtain a final predicted value. And then, iterating the weight by a gradient descent method, so that after a large amount of data training, the difference between the predicted value and the true value is smaller than an expected threshold value. The multi-model fusion avoids the deviation of some data on some models, so that the models are more stable.
In an alternative embodiment, as shown with reference to fig. 4, the system may further include: a financial institution client 3, the financial institution client 3 being connected to the server 2;
the pledge client 1 is also used for collecting pledge data information input by a user; and sends the patents to be pledged, the evaluation value of the patent value and the pledge information to the client 3 of the financial institution;
the financial institution client 3 is used for sending the configuration information of the preset pledge loan rule to the server 2 and sending the patent to be pledged, the evaluation value of the patent value and the pledge information to the server 2; receiving the auditing information whether to provide loan sent by the server 2, and sending the auditing information to the pledge client 1;
the server 2 is further configured to perform loan audit according to preset pledge loan rules, and send audit information on whether to provide a loan to the financial institution client 3.
The pledge information may include one or more of the following: loan information, pledge profile information, pledge detailed information;
wherein the loan information comprises a combination of one or more of the following: loan amount, loan period, loan institution or warranty institution;
the pledget profile information includes a combination of one or more of the following: information of the patentee, the location of the personal identity address/the location of enterprise registration, the industry of the individual/enterprise, the nature of the enterprise or the year and month of birth of the individual/the establishment time of the enterprise;
the pledge details include one or more of the following: contact name, contact telephone, duration of establishment of a business, expected net profit of the business in the current year, net profit in the last year, income of taxation in the current year, elapsed time of a business, business proportion of a main operation, cash inflow of a controller, amount of external guarantee, rate of liability of assets, net assets of the controller, whether an identity address location/registered location house property is owned, whether bad credit is available, whether credit records of the controller are prohibited, whether a small business is available, whether industry is prohibited and limited, age of an actual controller and a responsible person, and whether sale or loan application is realized.
In the embodiment of the invention, the financial institution is required to perform audit in the pledge process, the embodiment provides a financial institution client 3 for the convenience of users and the acceleration of pledge efficiency of users, the financial institution client sends the configuration information to the server according to the preset pledge rule, and after the configuration of the server is completed, online audit can be performed on pledge information (patent to be pledged, patent value evaluation value and pledge data information) provided by the financial institution client, so that the time can be effectively saved, and a basis is provided for offline audit.
In this embodiment, the financial institution may be a bank, an investment institution or another financial institution, and in general, when a pledge invests a pledge patent in an investment institution, the investment institution inevitably bears risks, and in this case, no other guaranty institution is needed for guaranty. Some scenarios, such as a pledge at a bank, may require a vouching authority to vouch for.
In an alternative embodiment, as shown with reference to fig. 5 and 6, the system may further include: a client 4 of a warranty agency, the client 4 of the warranty agency being connected to the server 2;
the system comprises a pledge client 1, a warranty agency client 4 and a pledge client, wherein the pledge client is used for sending patents to be pledged, patent value evaluation values and pledge data information to the warranty agency client 4; receiving audit information whether to provide guarantee or not sent by the client 4 of the guarantee agency;
the client end 4 of the guarantee agency is used for sending the configuration information of the preset guarantee rule to the server 2 and sending the patents to be pledged, the patent value evaluation value and the pledged data information to the server 2; receiving audit information whether to provide guarantee or not sent by the server 2, and sending the patents to be pledged, the evaluation value of patent value, the pledge information and the audit information whether to provide guarantee or not to the financial institution client 3;
the financial institution client 3 is used for receiving the patents to be pledged, the evaluation value of the patent value, the pledge information and the audit information of whether to provide guarantee or not and sending the audit information to the server 2;
the server 2 is used for carrying out guarantee auditing according to a preset guarantee rule and providing auditing information whether to provide guarantee to the client 4 of the guarantee institution.
In the embodiment of the invention, all the auditing and processing are carried out on the server, and different clients can log in through the account number, so that the user can conveniently carry out the auditing/approving process of the pledge financing.
In an alternative embodiment, referring to fig. 6, the pledge client 1 is configured to receive a pledge data information template sent by the server 2, and collect pledge data information input by the user through the pledge data information template.
In the embodiment, the mortgage information comprises loan information, general information of the mortgage and detailed information of the mortgage, which are required to be audited by different guaranties and financial institutions, and when the mortgage information is processed on line, the mortgage is easy to come and go for many times due to imperfect data, so that the mortgage progress is delayed.
In an alternative embodiment, referring to fig. 6, when the audit information for providing loan from the financial institution client received by the pledge client or the audit information for providing collateral sent from the security institution client received is that the audit of the pledge information fails, the pledge information supplemented or modified by the user is received.
In an alternative embodiment, referring to fig. 6, the server is further configured to perform patent state evaluation on the pledge patent, and send a patent state evaluation result of the pledge patent to the pledge client.
The patent state in the embodiment of the invention can be preliminarily judged by the server, and the specific preliminary judgment state of whether the patent to be pledged provides loan is determined by the comparison result of the following state information and a preset information threshold; the status information includes one or more of the following: patent auditing state, patentee changing state, patent annual fee paying state, patent deadline state, patentee number state, right dispute state, patent right preservation state and right pledge state. In the embodiment of the present invention, reference may be made to the basis of loan determination in the prior art, and the embodiment is not particularly limited.
For example, the patent review state includes: a preliminary review state, a substantive review state, an authorization state, an invalid announcement state, and an entitlement termination state. When the patent auditing state of the pledge patent is the authorization state, pledge financing can be carried out, and if the patent auditing state is in other states, pledge financing can not be carried out.
It should be noted that the preliminary judgment in this embodiment may be provided to the financial institution client or the pledge client for reference, but the offline review may not be based on this.
In an alternative embodiment, referring to fig. 6, when the patent state evaluation result of the to-be-pledged patent received by the pledge client does not include a patent that can be pledged, the user selects the to-be-pledged patent again in the preset patent database, sends the information of the selected to-be-pledged patent to the server, and then performs the patent value evaluation and the patent pledge process again.
Based on the same inventive concept, an embodiment of the present invention further provides a patent pledge method, which is applied to a server, and as shown in fig. 7, the method may include the following steps:
step S71, receiving the patents to be pledged selected by the user and collecting pledge data information input by the user;
step S72, evaluating the patent value of the patent to be pledged to obtain the evaluation value of the patent to be pledged;
step S73, carrying out guarantee audit on the pledge patent, pledge data information and the patent value evaluation value based on the preset guarantee rule to obtain audit information whether guarantee is provided or not;
and step S74, performing loan audit on the to-be-pledged patent, pledge information, the patent value evaluation value and the audit information of whether to provide guarantee based on the preset loan rule to obtain the audit information of whether to provide loan.
Based on the same inventive concept, the embodiment of the present invention further provides a computer-readable storage medium, wherein when instructions in the storage medium are executed by a processor of a mobile terminal, the mobile terminal is enabled to execute the above-mentioned patent pledge method.
The method and medium of the present embodiment may be described in various steps with reference to the system, which will not be described in detail herein.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (11)
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