CN101241575A - On-line fund bidding trading method and system - Google Patents
On-line fund bidding trading method and system Download PDFInfo
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- CN101241575A CN101241575A CNA2007100801029A CN200710080102A CN101241575A CN 101241575 A CN101241575 A CN 101241575A CN A2007100801029 A CNA2007100801029 A CN A2007100801029A CN 200710080102 A CN200710080102 A CN 200710080102A CN 101241575 A CN101241575 A CN 101241575A
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Abstract
The present invention provides an on-line fund bidding transaction method and system which is used in financial e-commerce. More users can logon at least one network server by network, and process on-line bidding transaction or bidding warrant transaction with network management server, and at least one bidding transaction module and at least one bidding warrant transaction module are stored in at least one database.
Description
Technical field
The invention belongs to direct Electronic Finance commercial field, make a plurality of users to login, and carry out online bidding trading or the transaction of online competitive bidding warrant by the management server of website by network and at least one webserver.
Background technology
What in general, the running of whole finance did not break away from fund raises (for example: raise funds from main market players sides such as depositor, portfolio investor or insurers), configuration and the investment and the three class economic behaviours of financing; That is capital (fund) process and the application of deriving thereof of making a return journey.Wherein, the operation of all types of debt-credits main shaft of financial business especially.According to historical evolution and form be respectively early stage directly finance, modern times indirect finance, mark meeting (BIDDING ROSCA (Rotating Savingsand Credit Association)), the different finance in period are borrowed or lent money trade modes before and after the modern initial stage, directly finance (ZOPA, PROSPER) waited, comply with its time precedence at this and put in order, discuss, be analyzed as follows:
＜early stage directly finance 〉
People produce the debt-credit circulation behavior of fund based on production or living needs, in the agricultural society in early days, mostly the debt-credit behavior is in order to have enough to meet the need needs, the circulation amount of money is little, time limit is not long yet, and the mode of doing business of a kind of often " directly finance " (direct finance) after just the borrower writes receipt, is is directly borrowed or lent money to the money-lender.When money-lender itself needs fund, receipt also can't freely be transferred the possession of on market, therefore the money-lender is necessary for the own sufficient capital that keeps with required in response to self, because limit for fear of time, geographical and information flow or the like, the development range of this direct circulation is very limited again.
The form of social economy running changes business and economy based on manufacturing industry, service sector into by agricultural economy.Scale economics is played the part of important pushing hands in the process of business growth and profit, therefore along with the prosperity of industry and commerce and the continuous expansion of industry size, need the fund amount of circulation also to continue to increase, the circulation time limit also presents long or short debt-credit form along with business or investor's demand, and debtor and creditor finds the desirable object of concluding the business for fear of the undeveloped extremely difficulty of information flow simultaneously.Because credit amount may be too huge, the time limit exceeds also that the creditor can load, the haveing obstacles to be difficult to walk and be nothing difficult especially of information, obviously serve as that the tradition direct circulation pattern of borrowing or lending money transaction agent apply required with single individuality this moment, can't cooperate the evolution of economy era, have to rely on more professional succedaneum to carry out above-mentioned transactions demand, thereby produce financial intermediary's (so-called bank, security, insurance etc.).
The disappearance that is to say early stage directly finance is specific as follows:
1. the restriction on the term of loan is arranged.
2. the restriction on the credit amount is arranged.
3. the restriction of debt-credit on geographical arranged.
4. because information undeveloped, so the restriction on the debt-credit object is arranged and cause lacking the foundation of objective market rate as the fund cost decision.
5. the debt-credit risk is not passed through suitable keyholed back plate, causes bad debt or creditor to require the incident of anticipation often to take place.
6. do not have so-called financial service fully, transaction cost is also high simultaneously.
＜modern times indirect finance
Intermediary draws scattered fund and interest payment in the society hand, again fund is compiled enlending and go out, the profit in the middle of the earning.For the depositor, the credit of intermediary can be drawn again when oneself needs fund at any time more than general borrow money artificially good (bank that participates in deposit insurance is particularly arranged), and safety is convenient again; For the borrower, more reasonable to the interest that intermediary borrows money, the loaning bill amount of circulation is bigger, the time limit also can comply with the required length of freely adjusting, can say so " inexpensive ".Elder generation of this financial intermediary bring in funds again enlending go out and the earning process in the circulation mode of profit, just be called " indirect finance " (indirect finance), fund is not directly to send in borrower's hand from money-lender's hand in the debt-credit process just.
The operation of " indirect finance ", financial institution tosses about in bed just can occur in the process situation of information asymmetry in intermediary's fund, and its remuneration mainly also is to utilize information asymmetry, that is the profit that caused of the debt-credit of intermediary transaction operation.Other financial institution among the people utilizes such information asymmetry to exploit debtor and creditor (particularly borrower) especially bad, and interest rate on borrowings produces great burden to the credit requirement person also the time and hurricane is high to irrational state; And debtor and creditor also carries out trade decision because of can only passively accepting interest rate level, and the problem of moral hazard, reverse selection emerges in an endless stream.
Financial intermediary is the industry of capital and information high concentration.In recent years, the fast development of the Internet is no longer monopolized information, and financial circles (particularly bank) also more and more manifest the tired attitude of operation.
The shortcoming that is to say the indirect finance in modern times is specific as follows:
1. because information asymmetry, when causing cost of borrowing and irrational situation occurs.
2. suffered decree control is too much, lacks the elasticity in financial business and the transaction, can't effectively dispose the market fund.
3. debtor and creditor can only passively be accepted the interest rate level that intermediary makes, the price of can't freely determining deal (borrowing rate).
4. the interest rate level of accusing because of intermediary's board can't react real market fund supply and demand interest rate, causes the problem of relevant moral hazard, reverse selection to emerge in an endless stream.
＜mark meeting 〉
Meanwhile, because general financial institution is subject to the control that decree and prospective borrower's credit are commented etc., for the credit requirement person that qualification is not inconsistent afore mentioned rules, some is forced to turn to other (tradition) personalized lending mechanism, group, mark meeting particularly among the people (bidding ROSCA) channel is circulated necessary funds, but, specific as follows because of there are following many shortcomings in the shortage event of inborn restriction and management:
1. in case after concluding the business, input fund just is frozen on the Object of Transaction, the marketability of fund significantly reduces.
2. the restriction of trading object is often arranged in particular combinations, so can produce the closure property of transaction combination, make the carrying out that the transaction participant must participate in business from the beginning to the end and make up, unfavorable trading object free in and out the transaction combination.
3.ROSCA often be stiff solid a transaction channel or a pattern, but the space as free operant reinvestment as the financial instrument or arbitrage can't be provided basically.
4.ROSCA still be partial to indirect finance, the person's that still is easy to significantly to improve the credit requirement capital loan cost because of the operation of managerial setup, exploitation, the money-lender of fund also is difficult to therefrom obtain higher income remuneration simultaneously.
5.ROSCA can't lending fund by the process of securitisation, fund input becomes assets, more can't be with the source of its right of commending as guarantee or credit assurance.
6.ROSCA the interest rate that is indicated very easily is subjected to specific personage or trading object or intermediary's distortion, interest rate structure that can't the fund supply and demand of actual response market.
7. traditional ROSCA has down can risk (moral hazard a kind of), the standard gold high people of healing especially, and it falls can risk higher.
＜modern the initial stage is finance directly 〉
This shows, no matter be that indirect finance or other personalized lending mode all are the economic society products in transition period.For interest rate structure more and more sensitivity and network technology epoch, the information flow cost reduces and more easily under the trend, indirect finance disadvantage in the past leaks especially in society.Now, by the network technology, the situation of information asymmetry significantly reduces, and (i.e. gold stream) is faster, more convenient and be communicated to more accurately in the hand of all demanders along with the prosperity (information flow) of information also to allow the compiling of fund.Therefore, many tediously long in the past complicated debt-credit formalities (reference, audit, to protect, make loans, refund etc.), can once finish by network operation, see through the operational efficiency that Eization promotes debtor and creditor and intermediary greatly.
In fact the influence property brought of the network technology, functional singly be not like this, produce nominal " Internet bank " (Internet Banking) by Eization except existing society is so-called, in fact Da Ti financial transaction is still and constructs on the operator scheme of indirect finance, and root problem still exists.The scholar of this each side, expert, mechanism there's no one who doesn't or isn't hundred are thought it and separate, sum up the trend that at last and be the low cost of utilizing the network technology and convenience and change financial transaction into operational mode again based on debtor and creditor, reject the factor of information asymmetry, decide borrowing rate in its sole discretion by depositor and borrower, that is by means of the network technology, " directly finance " notion (directfinance) is defined, transforms, really required to meet modern society's debtor and creditor.
Therefore, " direct dealing " of need to consider carrying out the financial field (DirectTransaction).
<ZOPA>
Current, tissue-ZOPA the mechanism (WWW.ZOPA.COM) of the direct financial transaction of similar operation appears in Britain, it is found in March, 2005, provide a debt-credit pattern that differs from bank's indirect finance in direct (little volume) debt-credit mode, adopt reciprocity (peer-to-peer) or individual to the direct financial models of individual (person-to-per son), the demand of brining debtor and creditor together makes its conclusion of the business.Though ZOPA mechanism has improved the partly function mode of traditional financial debt-credit, but still has many shortcomings, and is specific as follows:
1.ZOPA the fund that mechanism will the person of lending be dispersed into many more microfinance give the borrower, if no suitable borrower then can't successfully bring this transaction together, promptly exist the funds transaction compliance rate to cross low and illiquidity.
2.ZOPA the member of mechanism only can the incoming borrow condition, is brought together by ZOPA mechanism, initiative is still controlled by ZOPA mechanism, and is non-fully by directly concluding the business between member and the member.
3.ZOPA the dealing money on the platform is for borrowing money 1,000-15,000 pound, loan 10-25,000 pound is 12 months to 6 years during the financing, with 12 months be a unit, obviously have credit amount and during on restriction.
4.ZOPA mechanism does not guarantee liquidation for borrowing money, so the money-lender still is in risk and exposes to the open air down; And, also can insure the too high and wish reduction of purchase cost because of it if the borrower guarantees to discharge to buy.
5.ZOPA three big conditions are being arranged aspect the audit borrower:
(1) borrower must prove the credit use situation of the first six years.
(2) need have franchise at loaning bill the first six years.
(3) increase loaning bill recently.
More than many restrictions problems such as the limit of object market, operating flexibility deficiency that can cause borrowing money.
Yet after all get on very well, though the mechanism of ZOPA still has many problems, it is still towards fully directly financial gate for unlatching and performs meritorious deeds never to be obliterated.
In addition according to patent retrieval, research, we find to also have another one invention (U.S. Patent Publication numbering: 2006/0224502 A1), it has with ZOPA and is close to the same mechanism, therefore under the situation that possesses ZOPA mechanism characteristic, similar above-mentioned shortcoming is equally also arranged at 5.
<PROSPER>
Another free man of this field is PROSPER mechanism (WWW.PROSPER.COM), and it is found in February, 2006, the direct financial models to the individual same employing equity or individual.The notion of following the ZOPA difference to be that its utilization community is helped each other is moved its directly transaction of finance, sees through the gerentocratic cooperation of community, directly finishes the demand of debtor and creditor.Compared ZOPA.Though PEOSPER more levels off to the form of direct finance, wherein has many disappearances equally, and is specific as follows:
1.PROSPER see through the gerentocratic cooperation of community to make transaction more own.Promptly do not break away from the color of people's system.
2.PROSPER the mode that utilization loaning bill message is write and puted up attracts loan fund, promptly easy judgement because of subjective consciousness produces the debt-credit risk in this process.
3.PROSPER itself not the fund of loan on guarantee side can obtain liquidation smoothly, on time, that is the money-lender still is in risk and exposes to the open air down, particularly fund borrowed to put to excessive risk borrower's situation more so.
4.PROSPER the dealing money on the platform is for borrowing money 1,000-25,000 dollar, loan 25-100,000 dollar is 3 years without exception during the financing, obviously also have credit amount and during on restriction, the elasticity of debt-credit operation is produced negative influence.
5.PROSPER the classification of platform community often has geographical restriction.According to research and analysis, the member of community is exactly to belong to certain special group (as sculpture art man, music-lover's) the member except that script, often also the nearer group in inhabitation position on the geographic position, this whether mean when PROSPER when utilization community pattern promotes lending and borrowing business, but backhand is limited to by geographical relation on the other hand? potential customers' (debtor and creditor) also can have influence on the effect of lending and borrowing business running to the acceptance level of community notion in addition.
Though also there are many problems in the mechanism of PROSPER, the appearance that can not dare not or would not speak up PROSPER for financial business march toward " directization " more made progress a step again.And such as above-mentioned all disappearances, be the place that institute must overcome in the complete direct financial process of marching toward, financial field from now on, also be the main consideration of invention institute of this " online fund bidding trading method and system ", the direction studied.
Summary of the invention
The invention provides a kind of online fund bidding trading method, this method is used for direct Electronic Finance commercial affairs, make a plurality of users to login by network and at least one webserver, and carry out online bidding trading or the transaction of competitive bidding warrant by the management server of website, and at least one bidding trading module and competitive bidding warrant transaction modules be stored at least one database, its feature of this method may further comprise the steps:
The member appraises and decides step, this step refers to that the user gets in touch application by the Internet, wireless communication apparatus or LAN and the webserver and adds online fund bidding trading, the logon data of the management server acquisition webserver of this online fund bidding trading website is examined, and authorizes user's competitive bidding amount after checking and approving and authorizes user's exclusive membership number of member and membership password letter;
The member logins the safety control step, and this step refers to that the member uses exclusive membership number of member and membership password letter to login this transaction platform webserver, after this webserver audit, permits the member and logins the bidding trading website;
Set up the transaction combination step, this step refers to that the management server of website sets up the combined information of concluding the business in the bidding trading module, and is stored in the database;
Member's step and member step of opening bid of submitting a tender refer to that the combination of member's option dealing submits a tender, and opens bid the opening of bid time that the management server of website is set for the transaction combination;
Complete a business transaction the clearance step, the management server that refers to the website sets up one to complete a business transaction special family and finish dealing with and complete a business transaction clearance;
The bidding trading module that above step sees through management server produces winning bidder and unsuccessful bidder, described winning bidder obtains to such an extent that mark fund after completing a business transaction clearance, and the unsuccessful bidder then obtains the competitive bidding warrant to carry out the transaction of competitive bidding warrant by the competitive bidding warrant transaction modules of management server.Each phase competitive bidding of each transaction combination all follows this step, the combination of closing the trade after each member all must mark in the transaction combination.The unsuccessful bidder can obtain the competitive bidding warrant, this unsuccessful bidder must mark back competitive bidding warrant at following issue and promptly clear, can hold before must marking that this competitive bidding warrant carries out at the platform of the method construction that competitive bidding warrant matter is borrowed, the selling tender of competitive bidding warrant, and competitive bidding warrant transfer to capture funds, also can hold this warrant and can operate this professional mechanism to extraneous financial institution, investment institution etc. and carry out matter and borrow.
First phase winning bidder is pure borrower, and latter stage, the winning bidder was straight deposit person, and all the other members of group have two kinds of roles of debt-credit concurrently.
The member of online bidding trading method submit a tender and the competitive bidding warrant selling tender of competitive bidding warrant method of commerce in, can set the lowest bid amount of money or not set setting according to need between tender period.
A kind of online fund bidding trading system that provides is provided, this system is used for direct Electronic Finance commercial affairs, make a plurality of users to login by network and at least one webserver, and carry out online bidding trading by the management server of website, and at least one bidding trading module and at least one competitive bidding warrant transaction modules be stored at least one database, this system comprises:
Online bidding trading module is in order to set up the transaction combined information;
Competitive bidding warrant transaction modules, the information of borrow in order to produce the distribution of competitive bidding warrant, competitive bidding warrant matter, the selling tender of competitive bidding warrant, competitive bidding warrant being transferred the possession of;
The webserver is logined the bidding trading website in order to permit the user;
Management server makes it become the member in order to the audit user, or acquisition webserver member's log-on message and member's bid information, carries out bidding trading or competitive bidding warrant transaction modules is carried out the warrant transaction by the bidding trading module;
Database is in order to store bidding trading module information and the relevant information of competitive bidding warrant transaction.
Description of drawings
Fig. 1 is transaction flow figure of the present invention.
Fig. 2 is the workflow diagram that competitive bidding member of the present invention appraises and decides.
Fig. 3 is the workflow diagram that competitive bidding member of the present invention logins safety control.
Fig. 4 is the workflow diagram that bidding trading combination of the present invention is set up.
Fig. 5 is the workflow diagram that competitive bidding member of the present invention submits a tender.
Fig. 6 is the workflow diagram that clearance is completed a business transaction in competitive bidding of the present invention.
Fig. 7 is the workflow diagram that competitive bidding warrant of the present invention is pledged.
Fig. 8 is the mode process flow diagram of competitive bidding warrant of the present invention selling tender.
Fig. 9 is the workflow diagram of competitive bidding warrant transference of the present invention.
Figure 10 is the system diagram of bidding trading of the present invention and the transaction of competitive bidding warrant.
[primary clustering symbol description]
The webserver 1003
Bidding trading module 1006
Competitive bidding warrant transaction modules 1007
Embodiment
The present invention relates to an online fund bidding trading method, this method is carried out at the message platform of online foundation, in order to set up online fund bidding trading combination, must mark the member with what the competitive bidding mode determined each time of the meeting, and by completing a business transaction clearance, collect the fund that other member pays and give the winning bidder, so as to making the mark member capture funds, the unsuccessful bidder earns interest receivable.In addition, the unsuccessful bidder can obtain the competitive bidding warrant, and promptly the unsuccessful bidder participates in the right value that the transaction combination derives out, and member's right value can truly be presented.The member holds the competitive bidding warrant, can carry out online selling tender, transfer or matter and borrow transaction, improves online bidding trading method participant's the marketability and the circulation of online fund bidding trading combination member structure.
Please refer to shown in Figure 1ly, online fund bidding trading method comprises: the member appraises and decides 101, and the member logins safety control 102, sets up transaction combination 103, and the member submits a tender 104, and website opening of bid 105 is completed a business transaction clearance 106, the winning bidder obtain mark fund 107; After the unsuccessful bidder pays current fund, promptly produce right value, and authorize the competitive bidding warrant.The producing method of the competitive bidding warrant of competitive bidding warrant transaction modules, be to derive by the right value of online fund bidding trading method, its method of commerce comprises: the unsuccessful bidder obtains competitive bidding warrant 108, the transaction of competitive bidding warrant, at least include: the competitive bidding warrant pledges 109, competitive bidding warrant selling tender 110, the competitive bidding warrant transfers the possession of 111.
Below with regard to the workflow of online fund bidding trading method, be described as follows:
The member appraises and decides (please refer to shown in Figure 2): the online the Internet that passes through of user, wireless communication apparatus or LAN and the webserver are got in touch application and are added 201, the logon data of the management server acquisition webserver of this online fund bidding trading website examines 202, according to auditing result, determine whether the authorized user adds application 203, the user does not accord with qualification, then not checking and approving becomes member 204, user's application becomes member 205 through visa, at the member who checks and approves participation, authorize user's competitive bidding amount and authorize one group of member of member exclusive membership number and membership password letter 206.
The member logins safety control (please refer to shown in Figure 3): the member who checks and approves participation uses exclusive membership number of member and membership password letter to login the webserver 301 of this business site, the member inputs exclusive membership number of member and password letter 302, check membership 303, check data correct after, the member enters business site 304; If continuous wrong n time of the data of member's input, this member need consult service centre 305.
Bid operation (please refer to shown in Figure 5): enter the bidding trading pattern, make up each member competitive bidding of bidding by bidding trading, the member selects the subscript standard gold according to the financing demand of itself.The bidding trading combination that the member selects to participate in submits a tender 501, bid field 502 appears in the website, by the financing demand input bid standard gold 503 of member according to itself, confirm the bid standard gold 504 of input, wherein import the step 503 of bid standard gold, be meant and before member's competitive bidding, can set end mark or not set end mark, level off to 0 end mark setting can set under the end target situation, and even smaller or equal to the meeting gold of each combination.Whether the management server of website to check the rationality of input standard gold data 505 unusual after member's subscript, if the bid amount of money is unusual, represent subscript unsuccessful, require to re-enter bid standard gold 506: this bid amount of money is meant that unusually the bid amount of money is below or above the condition that the transaction combination sets; If overtime input, promptly input time unusual, the representative failure 507 of submitting a tender: time anomaly is not meant and submits a tender in the time range that the transaction combination is set; If not unusual, then finish bid operation 508, the management server of the website opening of bid time that combination is set for bidding trading opens bid, and produces winning bidder 509 by meeting among this bidding trading combination person of imposing a condition; The unsuccessful bidder that opening of bid produces also gives competitive bidding warrant 510.
Complete a business transaction clearance operation (please refer to shown in Figure 6): the management server that refers to the website sets up one to complete a business transaction special family and finish dealing with and complete a business transaction clearance; Promptly according to the competitive bidding result, the do not exceed the time limit member 601 who pays in and the member 602 who pays in that exceeds the time limit pay amount payable in completing a business transaction special family 603, send this amount of money to winning bidder 604 again.This special instruction, this completes a business transaction clearance several methods of operating, comprises that completing a business transaction special family is about to the amount of money earlier and sends the winning bidder to, and the member who loses a bid to this phase collects fund again, and the member who pays in exceeding the time limit presses for payment of; Complete a business transaction special family and collect fund to this phase unsuccessful bidder earlier,, wait and send the winning bidder again to after collecting for the unpaid member money advanced for somebody to be paid back later in advance that exceeds the time limit; Complete a business transaction special family simultaneously to this phase unsuccessful bidder gathering and send the winning bidder to, to the member that exceeds the time limit in advance money advanced for somebody to be paid back later again row press for payment of.More than attempt three examples, the method for completing a business transaction can determine according to need.
Set up transaction combination (please refer to shown in Figure 4): the management server of website is set up the transaction combination of different issues in the bidding trading module, and is stored in the database, participates in for qualified member; The transaction combination 401 that the member selects desire to add checks member data 402 and waits for competitive biddings 403, judges that whether full-amount transaction combination membership 404, and number promptly forms bidding trading combination 405 in full amount, and enters the bidding trading pattern.
Paying in the collection operation about exceeding the time limit, is after Yu Debiao determines, loses a bid or must mark the member when not paying the dues item on time, promptly enter dues item collection pattern, the affiliate member presses for payment of in a suitable manner, and stops the bidding trading right simultaneously, till replying normally.
The above is for the implementation method of competitive bidding, can set up online fund bidding trading combination by this method, because this trade mode levels off to and deposit by means of one most, but as previously mentioned, for the high investor of expectation financing commodity marketability, adopt fixing during, fixedly the fund bidding trading of membership makes up, the member still lose a bid capture funds before, or the member is when having provisional credit requirement, and its marketability, circulation are still not enough.For this reason, the right value that the present invention further derives out with the bidding trading combination is authorized the competitive bidding warrant, member's right value can truly be presented, and by competitive bidding warrant method of commerce, improve the marketability of its fund and the circulation of member's structure.
By bidding trading module generation winning bidder and the unsuccessful bidder of abovementioned steps by management server, this winning bidder obtains to such an extent that mark fund after completing a business transaction clearance, and the unsuccessful bidder then obtains the competitive bidding warrant to carry out the transaction of competitive bidding warrant by the competitive bidding warrant transaction modules of management server.
The competitive bidding warrant belongs to equity securities, when the member has the short-term capital demand, can hold the competitive bidding warrant, enters the execution of competitive bidding warrant transaction modules and pledges loaning bill.Its concrete workflow sees also shown in Figure 7, comprises the following steps: that the online login competitive bidding of member warrant matter borrows transaction 701 websites to carry out and pledge loaning bill, checks and approves loan 702, and this competitive bidding warrant can have been handled to pledge and borrow money 703 by annotation, obtains the amount of money 704 that matter is borrowed.By above-mentioned, the online transaction of pledging loaning bill of competitive bidding warrant, the convenience of having promoted online capital competitive bidding commodity financing.
About the online selling tender of competitive bidding warrant, its concrete workflow is consulted Fig. 8, comprises the following steps: the right value that website calculating is lost a bid, as the target of transaction.The competitive bidding warrant login selling tender transaction 801 that the member will hold: the website is for the member who loses a bid, according to getting the target issue and having got the target standard gold, the calculating member that loses a bid holds the right value of bidding trading combination, and issue the competitive bidding warrant, by the member who holds the competitive bidding warrant, carry out selling tender transaction login; The member import competitive bidding warrant numbering and lowest bid price lattice with during 802; The website opening bids 803: aforementioned competitive bidding warrant selling tender message is set up, and is added and user by the qualification audit bids by open other the member and having a mind in website; Produce winning bidder 804: must mark by the highest bidder; Complete a business transaction clearing 805: must mark the member in regulation is completed a business transaction the time limit, cost be imported complete a business transaction special family finishing competitive bidding warrant transfer formality, and fund be remitted sell the member, that promptly finishes the competitive bidding warrant completes a business transaction the clearing operation.
About the online transference of competitive bidding warrant, its concrete workflow sees also shown in Figure 9.Because of transference transaction belongs to the transaction that both sides are all specific people, so the grantor can onlinely provide the target warrant of its desire transference, and the assignee of appointment also expresses and is ready to accept.Step is as follows: the transference member and the member that assigns login transference transaction 901; The member imports the amount of money and the condition of agreement, and the transference means set up 902; The online transference means of exchange 903 of finishing.
From the above, online fund bidding trading method, especially competitive bidding warrant are significantly promoted the marketability of online capital competitive bidding commodity with breakthrough ground, thereby are improved its market acceptance.Aforementioned member carries out online selling tender or transference transaction, the flowability and the marketability of significantly promoting online capital competitive bidding commodity with the competitive bidding warrant.
The present invention has an online fund bidding trading system, and this system 1002 is established on the management server 1004, and by the webserver 1003 in online running.Please refer to shown in Figure 10, the present invention is an a kind of online fund bidding trading system 1002, this system of system is used for direct Electronic Finance commercial affairs, make a plurality of users 1001 to login by network and at least one webserver 1003, the webserver is logined the bidding trading website in order to permit the user; And carry out online bidding trading by the management server 1004 of website, management server makes it become the member in order to the audit user, or acquisition webserver member's log-on message and member's bid information, carry out bidding trading or competitive bidding warrant transaction modules 1007 is carried out the warrant transaction by bidding trading module 1006; Wherein this online bidding trading module 1006 is in order to set up the transaction combined information.Another competitive bidding warrant transaction modules 1007 is borrowed in order to produce the distribution of competitive bidding warrant, competitive bidding warrant matter, the information of the selling tender of competitive bidding warrant, the transference of competitive bidding warrant; And at least one bidding trading module and competitive bidding warrant transaction modules relevant information be stored at least one database 1005, promptly this database is in order to store bidding trading module information and the competitive bidding warrant relevant information of concluding the business.
Competitive bidding warrant transaction modules 1007 can convert unsuccessful bidder's the amount of money to warrant, and with this warrant in order to matter borrow, transfer, competitive bidding, to improve the flowability of this invention.
Below operating process every in this system will be described respectively:
● the webserver 1003: this system sets up an interface, links so as to making user or member and system.This interface is a network system, uses the Internet collocation hardware tools (as computing machine, mobile phone, PDA etc.), finishes the communication of member or user and system.The member logins safety control: the member who checks and approves participation enters this system via the webserver.The member inputs the exclusive membership number of member and user's password letter, and the webserver will check according to the data of member input, and this checks is an enciphering/deciphering mechanism, check data correct after, just grant the member and enter this system; If continuous wrong n time of the data of member input, then system is this member data of control, and please this member consult service centre.
● management server 1004: native system has the management server of a core, be responsible for integrating the every key element in this system flow, comprise linking the webserver of linking up, link the required database of this system, and link online bidding trading module and competitive bidding warrant transaction modules with the member.
This management server links member's audit, system's opening of bid and completes a business transaction clearance.Be described in detail as follows:
1. the member appraises and decides: the user adds via webserver online application.Management server acquisition webserver user logon data is carried out the audit of online member data, according to auditing result, determines whether the authorized user becomes the member.User's application is checked and approved through system inspect and is become the member, and at the member who checks and approves participation, management server will be authorized exclusive membership number and membership password letter to one group of member of member by the webserver.
2. open bid in the website: the member is in imported standard gold before the bid time.Reach opening of bid during the time, management server will compare and judge whether unusually, and effective standard gold and invalid standard gold will be divided in the bid standard gold, and in effective standard gold, choose the highest standard gold and be the mark standard gold, produce the winning bidder and the result transmitted the webserver, to announce the competitive bidding result.
3. complete a business transaction clearance: management server is according to the competitive bidding result, the notice website is collected current fund to the member that loses a bid from entity or virtual account, as in the time limit, do not receive the amount of money, the member that management server will notify the website not pay in exceeding the time limit pays for, and the member who does not pay in exceeding the time limit exceed the time limit payment notice and relevant collection program; In addition in the prescribed timelimit, the member is paid and the meeting gold of advance (shenglvehao)for another is settled accounts by completing a business transaction special family, the current amount of money that should obtain of must marking is remitted member's account of giving the winning bidder.
● database 1005: this database is in order to store bidding trading module information and the relevant information of competitive bidding warrant transaction.Comprising user and member logins data, member and appraises and decides data, competitive bidding data splitting, member's subscript and opening of bid data, member's virtual account, unsuccessful bidder's warrant distribution data etc. as a result.
● bidding trading module 1006: in order to set up the transaction combined information.
1. the transaction combination is set up: online bidding trading module is set up the transaction combination (different combinations such as 12 phases, 24 phases, 36 phases) of different issues, participates in for qualified member.It is enough that the number of will waiting is made up in this transaction, and the member that the combination of establishment bidding trading meets for condition submits a tender.
2. the member submits a tender: after the bidding trading combination is set up, the website will be opened the member and submit a tender, member's login is also selected to participate in the bidding trading combination and is submitted a tender, the bid field appears in the business site picture, by the financing demand input bid standard gold of member according to itself, confirm the bid standard gold of input, management server will check the rationality of standard gold after member's subscript.If standard gold is greater than the caution standard gold of setting, management server can return the unsuccessful message of subscript, requires to re-enter the bid standard gold; If checking, management server do not occur then finishing the bid operation unusually.
● the information that competitive bidding warrant transaction modules 1007 is borrowed in order to produce the distribution of competitive bidding warrant, competitive bidding warrant matter, the selling tender of competitive bidding warrant, competitive bidding warrant are transferred the possession of is described as follows:
1. competitive bidding warrant distribution: after each issue opening of bid, the unsuccessful bidder pay to the amount of money of entity or virtual account thus module converts become the competitive bidding warrant; The i.e. competitive bidding warrant of this competitive bidding warrant transaction modules distribution, can directly in module, carry out calculating, conversion, notice and the distribution that the member pays amount of money conversion warrant, and see through the institution cooperation that the webserver and financial institution, investment institution etc. have the warrant transfer capability, assist conversion, the notice of competitive bidding warrant and issue by it.
2. the competitive bidding warrant of competitive bidding warrant transaction modules transaction, can in this module, set up each member's virtual account, and utilize this virtual account directly in module, to carry out the warrant transaction, or get in touch by the webserver and financial institution, investment institution, make it finish the transaction of competitive bidding warrant.
3. competitive bidding warrant matter is borrowed: the member can pass through this module, and the competitive bidding warrant that will hold is borrowed handling on line warrant matter, finishes matter and borrows the member annotation matter to borrow situation in management server, to finish database update.
4. competitive bidding warrant selling tender: when the member carries out selling tender by this module, need input to desire during the minimum amount and selling tender of selling tender, module opens at assignee (member or other user who examined through qualification) and bids thus.When the member that assigns proposes to be higher than minimum amount thus module bring together, end during treating, the assignee who brings out the proposition Maximum Amount together wins and bids, and notice management server bid results, deposits the amount of money and finishes the warrant transfer with circle, and finish database data and upgrade.
5. the competitive bidding warrant is transferred the possession of: the member that desire is transferred the possession of warrant can convey the specific transferor that is subjected to this warrant by this module.This module provides the mediating function of network at this.
Provide two examples as a reference at this:
Embodiment one
Suppose that member's first adds online fund bidding trading by the network application, the logon data of the management server acquisition webserver of this online fund bidding trading website is examined, authorize member's first competitive bidding amount after checking and approving and authorize exclusive membership number of member and membership password letter, promptly checking and approving the adding of member's first becomes the member;
Member's first uses exclusive membership number of member and membership password letter to login this webserver, after this webserver audit, permits member's first login bidding trading website;
The fund bidding trading combination that member's first can be logined business site and select desire to participate in, after the bidding trading of waiting combination was set up, member's first can enter the bidding trading pattern, participated in the proposal activity of this fund bidding trading combination, member's first can be decided the subscript standard gold in its sole discretion according to the financing demand of itself.When member's first is online click participate in the bid button after, the bid field appears in the business site picture, by member's first input bid standard gold, and presses acknowledgement key, finishing the action of submitting a tender.Member's first can be at fund bidding trading combination advance bid, modification, deletion, bulletin and the inquiry job of rower gold of opening of bid as yet.
When the opening of bid time of this fund bidding trading combination arrives, the opening of bid time that the management server of website is set for the transaction combination starts opening of bid, and management server will be compared each member's bid, and distinguishing has criterion and no criterion, must mark with soprano in effective standard gold, and announce the competitive bidding result; Winning bidder's generation is judged according to following rule: 1. current meeting money is to be obtained by competitive bidding standard gold soprano; 2. when standard gold is identical, in addition with suitable select operation determine the mark member; 3. during unmanned the bid, also with suitable select operation determine the mark member;
The fund that current winning bidder can obtain, obtain with following formula conversion:
The n phase must be marked money
Formula 1:An=(U-In) * ((N-n))+(U * (n-1)) or
Formula 2:
Wherein
An: represent the obtainable total charge of n phase winning bidder
U: the representation unit amount of money
N: expression member sum
N: the opening of bid issue of representing this fund bidding trading combination
In: that represents the n phase must standard gold, its meaning be the mark member is ready each phase interest of bearing.
Suppose that member's first participates in the fund bidding trading combination of 24 phases, adopt the rule of formula 1, member's first was submitted a tender in the 6th phase, and the bid standard gold is 1,000 yuan, after the opening of bid operation of website, determines member's first to make up the winning bidder of the 6th phase for this fund bidding trading.
The fund that member's first can obtain, calculate according to formula 1:
(10,000 yuan-1,000 yuan) * (24-6)+10,000 yuan * (6-1)=212,000 yuan
By the 6th phase, the member that this fund bidding trading combination is still lost a bid pays 9,000 yuan; I.e. (10,000 yuan-1,000 yuan).
By the 6th phase, this fund bidding trading combination has got the target member and has paid 10,000 yuan.
The management server of website sets up one to complete a business transaction special family, completes a business transaction the clearance operation and collects current fund by suitable mode to the member, imports and to complete a business transaction special family, and in the prescribed timelimit, from completing a business transaction special family the current fund that can obtain of must marking is remitted and is given winning bidder-member's first.
Management server gathering operation is after each issue opening of bid finished, in certain time limit, collect this fund bidding trading and make up each member's remittance, and in fixed term, express the mark member; Should be noted that: remit can money give time limit of mark member be not subjected to this management server whether to collect other member to understand money be prerequisite, i.e. this management server guarantee of meaning the time limit give pay mark member's responsibility, so, can ensure its financing safety and rights and interests for the member of participant.
Through bidding trading module generation winning bidder and the unsuccessful bidder of above step by management server, this winning bidder after completing a business transaction clearance, obtain the mark fund, the unsuccessful bidder then obtains the competitive bidding warrant by the competitive bidding warrant transaction modules of management server, can carry out the transaction of competitive bidding warrant.
Embodiment two
Transaction combination with one 60 phase, suppose that this fund bidding trading combination has proceeded to the 24 phase, the average standard gold of preceding 24 phase is 2,000 yuan, in other words, the actual infusion of financial resources of member's first is 192,000 yuan, receivable mark breath income is 48,000 yuan, authorizes competitive bidding warrant 240 by the website, 000 yuan, if this moment, member's first had credit requirement, member's first can be carried out online selling tender or transfer with the competitive bidding warrant of holding, and carries out selling tender by aforementioned competitive bidding warrant transaction modules, suppose at last with 216,000 yuan of cost transfer and other members-member's second for member's first, realize mark breath income 24,000 yuan, and being equal to the fund bidding trading combination of having participated in a 24 phase, each phase obtains 1,000 yuan of mark breath.And for getting target member-member's second, also make a profit equally, savings type member as the winning bidder is as long as complete a business transaction 216,000 yuan of membership payment first, just obtains 240,000 yuan of competitive bidding warrants immediately, can obtain 24,000 yuan of receivable mark breaths, and its profit is very considerable; Member third wants to participate in the fund bidding trading combination in 3 years by a definite date and wants to participate in competitive bidding at the beginning to capture funds again, if member third must mark the competitive bidding warrant of member's first, as long as then member third completes a business transaction membership payment first 216,000 yuan, just obtain competitive bidding warrant 240 immediately, 000 yuan, can obtain receivable mark breath 24,000 yuan, the winning bidder obtains competitive bidding warrant 240, after 000 yuan, can participate in the competitive bidding of fund bidding trading combination immediately, its receivable mark breath that obtains can remedy the mark breath cost of the competitive bidding of a part.
Be appreciated that the present invention is not limited to the foregoing description, under the situation that does not deviate from the spirit and scope of the present invention, the present invention will cover various modifications and equivalent combinations.
Claims (12)
1. online fund bidding trading method, this method is used for direct Electronic Finance commercial affairs, make a plurality of users to login by network and at least one webserver, and carry out online bidding trading or the transaction of competitive bidding warrant by the management server of website, and at least one bidding trading module and at least one competitive bidding warrant transaction modules be stored at least one database, it is characterized in that this method may further comprise the steps:
The member appraises and decides step, the user adds online fund bidding trading by the Internet, wireless communication apparatus or LAN and webserver application, the logon data of the management server acquisition webserver of this online fund bidding trading website is examined, and authorizes user's competitive bidding amount after checking and approving and authorizes exclusive membership number of user member and membership password letter;
The member logins the safety control step, and the member uses exclusive membership number of member and membership password letter to login this transaction platform webserver, after this webserver audit, permits the member and logins the bidding trading website;
Set up the transaction combination step, the management server of website is set up the transaction combined information, and is stored in the database in the bidding trading module;
Member's step and member step of opening bid of submitting a tender, the combination of member's option dealing is submitted a tender, and the opening of bid time that the management server of website is set for the transaction combination opens bid;
Complete a business transaction the clearance step, the management server of website sets up one to complete a business transaction special family and finish dealing with and complete a business transaction clearance;
Through bidding trading module generation winning bidder and the unsuccessful bidder of above step by management server, described winning bidder obtains to such an extent that mark fund after completing a business transaction clearance, and the unsuccessful bidder then obtains the competitive bidding warrant to carry out the transaction of competitive bidding warrant by the competitive bidding warrant transaction modules of management server.
2. the method for claim 1 wherein should be set up the transaction combination step, further comprised:
Member's login and the transaction combination step of selecting desire to add;
Check the Member Information step;
Wait for the competitive bidding step;
Step is set up in the transaction combination.
3. the method for claim 1, this member step and member step of opening bid of submitting a tender wherein further comprises:
The step that the member submits a tender to the transaction combination in the bidding trading combination;
The step of bid field appears in the website picture;
The member imports the step of bid standard gold on the website;
The management server of website checks the step of input standard gold data;
Re-enter the step of bid standard gold during bid amount of money abnormal case, this bid amount of money is meant that unusually the bid amount of money is below or above the condition that the transaction combination sets;
The step that time anomaly is then submitted a tender and failed, time anomaly are not meant and submit a tender in the time range that the transaction combination is set;
Management server via the website checks the step that input standard gold data are finished bid;
This management server opening of bid produces winning bidder's step;
The unsuccessful bidder obtains the step of competitive bidding warrant transaction.
4. method as claimed in claim 3, the step of wherein importing the bid standard gold be meant before member's competitive bidding, can set end mark or not set end mark, levels off to 0 end mark and even smaller or equal to the meeting gold of each combination setting can set under the end target situation.
5. the method for claim 1, wherein this completes a business transaction the clearance step, comprising:
Opening of bid back member imports fund in during management server is set and completes a business transaction special family, and completes a business transaction the remittance of special family by this and deliver to the winning bidder.
6. the method for claim 1, wherein this competitive bidding warrant transaction comprises at least:
Competitive bidding warrant matter is borrowed;
The selling tender of competitive bidding warrant;
The transference of competitive bidding warrant.
7. method as claimed in claim 6, wherein this competitive bidding warrant matter is borrowed, and further comprises:
The member logins the step that competitive bidding warrant matter is borrowed transaction;
The step of checking and approving loan is carried out in the website;
The step that annotation competitive bidding warrant matter is borrowed;
The member obtains the step that matter is borrowed the amount of money.
8. method as claimed in claim 6, wherein this competitive bidding warrant selling tender further comprises:
The member logins the step of selling tender;
The member imports the step during lowest bid price lattice and the competitive bidding;
The step that the website opening is bidded;
Produce winning bidder's step;
Complete a business transaction the step of clearing.
9. method as claimed in claim 6, wherein this competitive bidding warrant transference further comprises:
The transference member and the member that assigns login the step of transference transaction;
The step that the transference means are set up;
Finish the step of transference means of exchange.
10. online fund bidding trading system, this system is used for direct Electronic Finance commercial affairs, makes a plurality of users to connect this system by network, and to carry out online fund bidding trading, wherein this system comprises:
The webserver is logined a bidding trading website in order to permit the user;
Online bidding trading module is in order to set up the transaction combined information;
Competitive bidding warrant transaction modules, the information of borrow in order to produce the distribution of competitive bidding warrant, competitive bidding warrant matter according to the bid information of unsuccessful bidder in the online bidding trading module, the selling tender of competitive bidding warrant, competitive bidding warrant being transferred the possession of;
Database is in order to store bidding trading module information and the relevant information of competitive bidding warrant transaction;
Management server makes it become the member in order to the audit user, or acquisition webserver member's log-on message and member's bid information, and binding bidding trading module carries out bidding trading or competitive bidding warrant transaction modules is carried out the warrant transaction; And binding database.
11. system as claimed in claim 10, the wherein warrant of this competitive bidding warrant transaction modules distribution, can directly in module, carry out calculating, conversion, notice and the distribution that the member pays amount of money conversion warrant, and cooperate with the financial institution that has the warrant transfer capability, investment institution by the webserver, assist conversion, the notice of competitive bidding warrant and issue by it.
12. system as claimed in claim 10, the wherein competitive bidding warrant of this competitive bidding warrant transaction modules transaction, can in this module, set up each member's virtual account, and utilize this virtual account directly in module, to carry out the warrant transaction, or get in touch by the webserver and financial institution, investment institution, make it finish the transaction of competitive bidding warrant.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100801029A CN101241575A (en) | 2007-02-09 | 2007-02-09 | On-line fund bidding trading method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100801029A CN101241575A (en) | 2007-02-09 | 2007-02-09 | On-line fund bidding trading method and system |
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| Publication Number | Publication Date |
|---|---|
| CN101241575A true CN101241575A (en) | 2008-08-13 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100801029A Pending CN101241575A (en) | 2007-02-09 | 2007-02-09 | On-line fund bidding trading method and system |
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| CN (1) | CN101241575A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102708488A (en) * | 2012-01-16 | 2012-10-03 | 陈晓亮 | Group user service transaction system and group user service transaction method |
| CN102903056A (en) * | 2011-07-27 | 2013-01-30 | 刘金衢 | Method and system for debit and credit guarantee based on e-commerce platform |
| CN105225153A (en) * | 2015-09-08 | 2016-01-06 | 深圳市众投邦股份有限公司 | Data processing method and device |
-
2007
- 2007-02-09 CN CNA2007100801029A patent/CN101241575A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102903056A (en) * | 2011-07-27 | 2013-01-30 | 刘金衢 | Method and system for debit and credit guarantee based on e-commerce platform |
| CN102708488A (en) * | 2012-01-16 | 2012-10-03 | 陈晓亮 | Group user service transaction system and group user service transaction method |
| CN105225153A (en) * | 2015-09-08 | 2016-01-06 | 深圳市众投邦股份有限公司 | Data processing method and device |
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Open date: 20080813 |