TW200805190A - On-line financial trading method for changing fee-collecting structure of bank - Google Patents

Abstract

A on-line financial trading method for changing fee-collecting structure of bank is revealed in the present invention, in which the conventional trading mode of bank is subverted. In the past, the bank was in the indirect financial trading mode where bank paid interest for the depositor and loaned money to the borrower with higher interest rate to earn difference of interest. In this kind of trading manner, the bank has to arrange the preparing money of deposit and has the pressure of idle money that can not be loaned out so as to cause the phenomenon of refusing large-amount of deposit. The present invention is the direct finance and is different from the operation mode of the indirect finance in the present bank. The bank provides service and management of funding-trade platform, in which it is unnecessary for the bank to provide interest (funding cost) of the depositor; instead, the bank is capable of collecting service fee from the depositors. For the borrowers, the bank is capable of collecting service fee and guarantee fee depending on the credit status. The present invention subverts the habit of the conventional bank, in which interest difference is treated as the main income, and uses income of procedure-fee as the main commodity. In the trading mode of funding-trade platform, both sides of depositor and borrower have the autonomy to determine interest rate that is different from the financial merchandise where conventional customer is the interest rate receiver. In the invention, a bid-competition trade platform is provided by the system to make the qualified members participate the bid-competition action of the trade platform and perform actions such as saving, loaning and managing money for earning profit. The bank will conduct credit-survey investigation onto the on-line member application. For the member who passes the approbation of credit-survey investigation system from the bank, the bank will approbate the group that can be participated by the member (different groups are immediately formed such as twelve stages, twenty-four stages, thirty-six stages, .., and so on). The member is capable of one-line registering to participate the trading group for performing action of managing money. When overdue payment or disability to pay the bill is occurred for the member, bank conducts the promise of contract-implementation and the sum of money has to be handed in will be remitted to the business transaction and balancing mechanism. The bid-competition trade platform-managing server will target each member and form the trade group having different stages. The member selects and joins the group approbated by the bank according to self-purpose of saving. loaning, and managing money so as to participate the bid-competition action of the trade group. The member selects the participated trade group based on self-purpose of saving. loaning, and managing money and decides the bid-interest cost, which will be paid when obtaining the funding, to conduct the bidding operation. When the trade group reaches the opening time of bid, the bidding center system will start an opening bid program. The bid money is divided into the effective bid money and the ineffective bid money, in which the system will select the highest one of the effective bid money as the winning bid. The tendering center system will real time transmit the opening bid result and money has to be handed in to the member of the trade group. The member of the trade group remits money to the business-transaction balancing mechanism on the stipulated data. After the business-transaction balancing mechanism completely receives money, the balancing operation is then performed. After the needed fee is deducted from the bid money, it is remitted to the bid winner before the stipulated deadline. As the member is unable to hand in payment overdue or has disability to pay the bill, the operation of making advance is conducted onto the member by the bank. After the bank makes advance for the money that has to be paid by the member, the urgent receiving mode of money is entered where the bank is connected to the management server to stop the loan trade authority of the member until it is back to normal condition. In the previous funding trade flow procedure, the bank functions as a funding agent and remained in an indirect financial trading mode, in which the funding supplier has to deposit money and bank will pay the interest. In addition, the bank will loan the received deposited-money to the demander of funding where the interest rate is determined by the bank. The cost paid by the common loan customer also is fully determined by the bank businessman so as to ossify the business affair of bank. The invention truly subverts the conventional trading mode of bank and realizes the trading method of network direct-finance. In the direct financial trading, bank still functions as the funding agent to provide the service and management of the trade platform. Bank is not required to provide the interest-funding cost for the funding supplier; instead, it can collect service fee of bank trade platform. As for the funding demander, based on the loaning condition, an appropriate percentage of service fee of bank trade platform and the risk fund of bank are collected. Based on the above statement, the present invention is the truly financial merchandise that is not existed in the present bank business. In addition to changing the bank business of collecting fee habit for earning interest difference, the invention provides an independent interest-rate merchandise for the customer terminal where the customer is capable of determining the interest rate so as to end the age of conventional financial merchandise having the unsymmetrical information.

Description

200805190 IX. INSTRUCTIONS: [Technical field to which the invention pertains] The present invention provides a transaction mode for over-the-counter financial transactions in the form of an online financial transaction that changes the bank's structure. In the past, the bank was an indirect financial total: The bank pays the depositor interest and then lists it at a higher interest rate; the borrower 'earns the spread. This type of transaction, the bank must mention

The pressure on the reserves and the inability to lend money to idle funds has led to a decline in deposits and a large deposit. The invention is direct finance, which is different from the current indirect financial operation mode of the banking industry. The service provided by the bank to provide funds trading platform and Yinghui, you _ 仃 仃 仃 not only bear the interest of the depositor (the fund is 丄 ' ^ can charge the depositor service fee; as for the borrower, according to its credit status, receive the service Fees and guarantee fees. /, ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, The autonomy interest rate decision maker is different from the traditional customer is the financial product of the interest rate recipient. The present invention provides an online financial transaction method for changing the bank fee structure, and f refers to a type of online deposit, 35 capital and Wang Licai. Activities and the effectiveness of financial management, the M will go through the bank credit investigation, the bank approval meeting can be tea plus transaction group, #员 on the network platform for bidding, information exchange, etc.胄象, Xiao 35 financial transaction's activity and convenience, according to the realization of online direct financial transactions. 6 200805190 [Prior Art] In the network communication is widely used today The establishment of e-finance or online finance has received unparalleled attention. Among the various e-finance or online financial applications currently available, there are two main developments. The first one still maintains the characteristics of indirect finance. The business uses online transactions to save costs; the other is for direct finance purposes, and it is hoped that the fund suppliers can directly trade with the capital demanders, and the cost is determined by themselves. The first way is to electronically use payment instruments. It conducts bank-to-customer funds exchanges through automated network communication technology. The specific practice is that after the bank customer passes the credit investigation, within the credit line granted by the bank, the customer can make financing application and transfer through the Internet. Service and settlement of operations.

The advantage of the foregoing method is that it is accurate and fast through the aid of a computer communication network. But in fact, it can only use the Internet as the medium of communication: the transaction process of the enamel is no different from the general transaction process, and the network communication does not provide any additional functions. / As far as the current banking industry is concerned, e-banking is only a closed system between banks and customers'. It is basically just the first step in the banking economy. It only makes the traditional bank complicated; the simple one is easy! The economy still stays in the indirect financial interest paid by the bank. In addition, the bank plays the role of the function of the capital intermediary. The fund provider must go to the bank deposit 7 200805190 Γ: 1 = deposit to the borrower, due to the deposit/lending rate The slap-up is a slap in the face, thus making the banking business rigid. The other method of e-finance is served by the bank on the trading platform of the network, through the Internet no distance = △, choose: two: the same network users enter the transaction through the Internet Ping = = plus Groups for financing and financial management activities. Therefore, a fund can be provided by other members of the group to achieve direct financial purposes.

Full commission, a point where the bank provides trading platform services to charge fees or use i to become a possible idea. Therefore, how to address the above-mentioned problems and propose a fee-structured line tP + owed to the silver subscribers "... Make full use of the Internet's 4 inch nature of the majority of users, providing members with financial activities to make aluminum Bank (4), D animal, financing and management are more economical for the promotion of the business. For a long time, since the ardent hope and the inventor’s mind, the inventor’s fee is two:! Finally, I have developed an improved method of changing the bank's mold, which can solve the above problems. [Inventive content] There is still a viable e-finance U business in the financial sector that still needs to be overcome. Therefore, a real savings, financing and wealth management business that can truly play the Internet special treatment is extremely urgent to develop and period 8 200805190 In the process of capital transaction, Yinyi still stays in the function of indirect financial transactions. The payment is made by the bank, and the supplier of the worker must go to the bank to save the demand. The cost of deposits and loans to the capital is also ::::::: Two fixed---the financing of the customers pays a clear every f τ #, ,, 疋, so that the banking business is rigid. This month's month only really spread the traditional bank's trading model, +, money is now an easy way to direct financial online, in the direct financial color, the six-day τ silver 仃 still plays the corner of the capital intermediary Provide the interest of the service fishery to the platform of the easy platform - the full cost of the bank is not only free of funds for the platform service fee, as for the funds need to take the silver lamp to pick up the rice, according to its financing status, collect the appropriate animal The proportion of bank transactions is flat and does not require ten service fees and bank risk funds.上入== The present invention mainly provides a line-changing father-friendly method for changing the bank charging structure, which can effectively provide a convenient transaction and clearing and delivery environment, and improve the performance of the king of the priests. , financing and financial management benefits ~ Meng Rong government effectiveness. In order to achieve the above-mentioned purposes, # + i< is used to make the above-mentioned methods include: The main technical means of knowing is - the member recruitment means is for the user to propose the addition of people to the stomach Shenshe. - Dynamic credit investigation means, for the purpose of joining The member conducts a monthly credit survey, and the member verifies the method, and decides whether to approve the member's application for joining according to the credit investigation result of the member; (12, 24, 36, . . . and other groups), for members who meet the suspension; 俟 group members in full, that is, enter the bidding transaction mode, 9 200805190 a bidding operation means, The easy mode is similar to the civil I model = transaction mode 'the bid is handed over to the winner to obtain the group; the members of the group bid to bid, the unified parent will check the funds of the fund, under the member If the standard is greater than the number of invitations set by the system, it will not be a good idea. L is not 'gold, then the system will return the subscript is not a standard opening operation means, 糸 ff F ^ ^ ^ ^,,,,, enter the opening mode, the system compares '£ points effective gold and i effect 枵The ancient painting a gold, the Asian key to the effective standard gold, select the most Meng Meng as the standard label, announced the results of the bid. After a delivery and clearing operation, I ~ 俨 要 , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Remitted to the current winning bidder within the specified time limit. The above-mentioned online financial Han Internet users who change the bank charging structure select the appropriate participating groups for financing, wealth management and financial activities through the Internet access trading platform. For members with financing needs, the funds are obtained through online bidding, and the rate of financing is determined by the members themselves. The fund provider can obtain the dividend income paid by the financing member. It can expand the 4 曰 ^ and the easy object to enhance the activity and convenience of financial transactions, in order to achieve online direct financial transactions [implementation] The present invention relates to - an online financial transaction that changes the bank's structure of income 10 200805190 The method is to use the official server to accept the membership application through the Internet. After the credit status of the dynamic credit member, it is approved to participate in the group, and the management will be set up for each member to set up a trading group with different periods. Each club will choose to join the appropriate group and participate in the bidding activities of each group. The online financial transaction method system that changes the bank's fee structure, the father's group that will be established by the management feeding service, and the member who participates in the trading group chooses the subscript "Meng Yukai, after taking the high standard bid as the winner. The management server collects the funds of each member and remits them in an appropriate manner within the predetermined time limit; the employees; the online financial transaction method that uses the aforementioned changes to the bank's structure; the members with funds needs can obtain the bids through bidding If you need funds, you can also pay for the "01⁄2 u". The specific work flow includes the following steps: Recruitment on the Huibei line: Department of recruiting MoguΜ # You b have a user who has storage, financing or arbitrage savings needs to participate, and propose to join the membership application; Member approval: The letter of the person; the status of the credit investigation, for the credit investigation, you can continue to sign the contract and become an associate member. ... Participants can complete the contract by network video, electronic encryption technology or other means After the insurance, the management of Li Tong will arrest the nucleus in the name of the name---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- The member's i code, user password (103), contention, generation, and first will be based on the information entered by the member to be dual-core (104), after checking the information is correct, the member will be allowed to enter the transaction website ( ). If the information entered by the member is combined with n wrong & η: owed, then the system will control the club-bean, and ask the member to contact the service center, (1) 11 200805190 2 "To establish different trading groups for different periods (1) period, ^ not (10) group), for eligible members to participate; d Next morning bean record (201) select the transaction combination to be joined (2〇2 check the nuclear member information (2G3) and wait for the first bid (2G4) The number of members in the trading portfolio is sufficient (205), that is, the trading group (2〇6) is established and enters the bidding trading mode. The time when the system controls the trading portfolio is established (2〇7), if it is not over the time of establishment, Continue to promote the operation (208), if it has been over

The time is notified that the member transaction portfolio is not established (2〇9). ...the bidding operation··The system enters the bidding transaction mode. The bidding transaction mode is similar to the civil congregation right type. The bidding of each member of the trading group is used to bid, and the winning bidder obtains the funds paid by the members of the group in the current period; ^ by the member According to its own financial needs, choose the subscript standard. The member selects/forces the easy group to bid (3〇彳), the bidding field appears in the trading system (302), and the member enters the bidding fund according to his own financial needs (303) 'Confirm the input bidding target Gold (3〇4), after the member has subscripted, the system will check the rationality of the standard (3〇5), whether it is greater than the warning sign set by the system. If the standard amount is greater than the warning amount set by the system, the system will return the message that the subscript is unsuccessful, 'request to re-enter the bid deposit (306), and if the system check does not show an abnormality, complete the bidding operation (307). The bid opening operation 'members enter the standard deposit (401) before the deadline for bidding, and the bid opening time system enters the bid opening mode (402), and the system compares it to determine whether the bidding time exceeds the bidding time (403), and the bidding standard is divided into valid bids. Gold and invalid gold (404), and by the valid standard (405), the highest standard is selected as the winning standard (406), the winning bidder is generated and the bidding result is announced (407). 12 200805190

According to the results of the bidding, the system will use the appropriate method::: to take the current funds, and remit the current period within the prescribed time limit; the label: the second and second parties will be the results of the bidding and the results will be Payment message 5(5()1), the member will transfer the person to the delivery account on the ηth day after the bid opening (5〇2) 'If the member does not remit the payment on the η day after the bid opening, the bank will perform the performance guarantee. Withdrawals (503) for overdue members, and overdue payment notices and related collection procedures for members who have not paid their contributions (5〇4/::: The remittance will be remitted to the delivery account (5 〇5), the amount of the amount that should be obtained by the delivery account to be deducted from the management of the current period (4) and the member account of the remittance bidder (506). The parent-clearing and clearing operation is completed after each period of bid opening. The remittances of the members of the group will be remitted to the current period, within the fixed period, and will be remitted to the winning members. The term is premise, the sound is (10) guarantees the responsibility of paying the winning member within the time limit, so a, can protect its transaction security and rights and interests. Yihe 1 payment collection operation: after the successful bidding, if you have not obtained the bid or have paid the payment on time, then enter the collection mode, by the management system In a proper way, contact the member to make a call, and at the same time stop the right to finance the transaction until the return to normal. When the settlement settlement agency settles, the appropriate bid will be available to each period:: § Proportion as the service of the bank trading platform The fee and the risk of the bank are as follows: 2% of the proceeds of the payment, 0.5% of which is the service fee of the trading platform. 5/The risk fund that provides the performance guarantee for the bank, meaning that there will be 13 violating failure of the members of 200805190 The bank provides the performance guarantee to absorb the losses caused by the member's failure, and the other members do not have to bear the risk of bad debts. The specific bid opening method is as follows: · The bidding method is performed by the group members through the network bidding, such as By bidding on a webpage or e-mail for a fixed period of time, after the (four) server obtains the bidding materials of each member through the web server, the comparison is started. When the cut-off if a timed gold standard proposal Co., (iv) and division effective beneficial effect gold standard

For the gold, select the highest bid in the valid bid as the winning member and the result. The management servo H is determined according to the following principles: . ◎ The current payment is obtained by the highest bidder; = When the standard is the same, the other is determined by the selection operation; Although there is no = bidding, the bidders will be determined by appropriate lottery operations; Baiyi 2:: In addition, the official server will generate network re-/text deletion, announcement and query operations through the web server. The f-fund-group n-time winning payment and the member's payable amount are obtained by the following formula: 1. The father's easy combination of the n-th standard is as follows: Internal standard: An = f π — i \ (U—Ιη) χ (Νι) +ϋ χ (n-1) or outer 'style: An =UX (N~n) + (Ux(n—l)+|/x) Easy, Consolidated payment for the nth period • Phase n: Unsubscribed members should pay the amount: Internal standard ·· Μη=ΙΜη or 14 200805190 External display · Μπ > u Payable: b· η phase: the first η period W has won the standard member or the internal formula · Mn = η member in the Xi period to win the standard external standard: Μη>η; τ · &

Ixi, the one that has won the award.

An: Table Parental combination of the nth period of the winning section 11: indicates the amount of the gold in each period N • The total number of members who do not trade the combination n · The number of opening periods of the non-transaction combination

In: indicates that the trading group's _ _ _ gold's meaning is the amount of interest that the winning members are willing to bear. The amount that the bidder should pay

Mn: indicates that the online financial transaction method of the transaction portfolio has not been obtained and is known to change the bank's fee structure. It will be a breakthrough in the construction of online financial fathers, which will greatly enhance the financing, savings and financial management of such financial products. Effectiveness, thus improving, ", ^ ^ ^, the city's% of the text. The invention of the bank to change the bank's fee structure, online financial compensation, 4 lights, less purchase and preparation of TM body technology content, with at least The following advantages: ^ Soil 1 changed to the silver 仃 仃 结构 · 顚 传统 传统 传统 传统 传统 传统 传统 传统 传统 传统 传统 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往 以往It is given to the borrower. The invention realizes the network 15 200805190 The direct financial transaction method, and the service and management of the company is not only free of the burden of the depositor. (Begin cost), you can also charge the deposit fee to the depositor. As for the private land, if you borrow the autumn, the borrowing status fee and the guarantee fee will be used. problem = network = road recruitment has a variety of financial needs such as storage, lending, arbitrage;

^ ^ ^ The number of people who have reached the level of 'degree' has reached the level of the number of shares, and then the Internet can be used for a large number of financing transactions without geographical and time constraints, and there is no risk of electronic transactions. 3. Effective financing supply and demand system: Through the invention, the member who can change the bank fee structure and can have the capital needs, need to play κ8... The member provided by the bidder who obtains the bidding bid can earn the standard interest, so An automatic online trading system that balances supply and demand. "The bidding for the hacker is the net, 4 · The autonomy determines the interest rate. · The financing cost of the invention is determined by the way of the system. It is not restricted to the static interest-bearing households of the traditional financial industry: the self-requirement is reflected through the bidding Determining the most suitable financial products in the economic era of interest rate. Panfen/safety: The invention is guaranteed by the bank to guarantee the rights and interests of the company, so that it will not suffer losses due to the member's failure. In summary, the hair It is clear that all the advantages mentioned in the previous disclosure have been met. Phase:: The possible development of the electronic financial transaction system has achieved significant practical and progressive progress, and is in line with the invention patent requirements. Brief Description: The first picture: is the work flow chart of the member login of the present invention. The second picture is the work flow chart of the establishment of the transaction group of the present invention. The third picture is the work flow chart of the member bidding of the present invention. : The flow chart of the opening of the system of the present invention. The fifth figure is a working flow chart of the delivery clearing of the system of the present invention. ^ [Explanation of main component symbols] No 17

Claims (1)

200805190 X. Patent application scope: 1. An online financial transaction method for changing the bank fee structure is constructed on a server and operated on the Internet through a web server. The method includes: The member recruitment method is for the user to submit a membership application; a dynamic credit investigation method is to conduct a credit investigation for the Canadian member; # . - Member verification means, according to the credit investigation results of the members, decide whether to approve the membership application; 曰......., the oral question group (1, 2, 24, 36, 箄 不4, members, .... 4 with the group) 'for the conditions, ...,, like the number of people in full,' enters the bidding transaction mode; a bidding operation means, the system enters the easy grip + and / / Easy to play, the bidding method is similar to the civil association model, and the winners of the group are obtained by the winners of the group, and the funds are paid by the parents. The teacher's whole woman ^ f疋 is greater than the warning sign set by the system. Right ^ is greater than the system setting of the chiseling work message; ^ V Meng, then the system will return the subscript is not a bid opening operation means, absolute, distinguish Effective β into Fen ^ into the open mode, by the system to compare the "heat efficiency standard gold, and from the effective standard gold, select the most 4 gold as the winning standard, announce the bidding result; & take a delivery clearing The results of Zhang Feng and ^B, after the completion of the appropriate way, the system is based on Within the limits, remitted to the current winning member\, collect the funds for the period, and in the specified period 18 200805190 2 as stated in the first paragraph of the patent scope, the online financial transaction method for changing the bank fee structure, the $ open bidding method is scheduled The time for opening the bid, comparing the squatters of each employee to distinguish between the valid bid and the invalid bid, the highest bid is selected as the winner and the bid result is announced. The management server is based on the following principles. Decided to win the bidder: ◎ The final meeting will be obtained by the highest bidder. · When the standard is the same, 'the other member will be determined by the appropriate lottery operation. ◎When no one bids, the decision will be made by the appropriate lottery. Winning members; In addition to the monthly], the official server will generate web pages through the web server to provide functions such as bidding, modification, deletion, announcement and inquiry. 3 · Please refer to the patent scope item! The online financial transaction method of changing the bank fee structure, the payment of the #j liquidation operation means, the appropriate proportion of the bidding proceeds is used as the management fee of the management server and the bank Risk fund. 4 · If the patent application scope is 1 Jg Shengyue inch ~ Jiu Lele, the online financial transaction method that changes the bank fee structure, the delivery clearing operation means after the package: overdue payment collection means' The performance guarantee is carried out by the bank, and after paying the amount due to the club, the 'into the person's payment collection mode, the management system will contact the member in the appropriate way to collect the payment' and at the same time stop the financing transaction right, straight: return to normal So far. Η^一,图: 如次页19