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

On-line financial trading method for changing fee-collecting structure of bank Download PDF

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Publication number
TW200805190A
TW200805190A TW95124838A TW95124838A TW200805190A TW 200805190 A TW200805190 A TW 200805190A TW 95124838 A TW95124838 A TW 95124838A TW 95124838 A TW95124838 A TW 95124838A TW 200805190 A TW200805190 A TW 200805190A
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Taiwan
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bank
bid
money
interest
funding
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TW95124838A
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Chinese (zh)
Inventor
yong-song Jian
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Shacom Com Inc
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Priority to TW95124838A priority Critical patent/TW200805190A/en
Publication of TW200805190A publication Critical patent/TW200805190A/en

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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 九、發明說明: 【發明所屬之技術領域】 本發明係提供_種改變銀行收f結構的線上金融交易 的六Z覆了傳統銀行的交易模式,以往銀行為間接金融 总:*式,由銀行支付存款者利息,再以較高的利率將 列;借放者’賺取利差。這種交易方式,銀行必需提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

占準備金’並且又有閒置資金貸放不出去的壓力,造 沾拒、%大額存款的現象。本發明為直接金融,有別於現在 、銀行業間接金融的作業模式。由銀行提供資金交易平台 的服務與營輝,你— _ 銀仃不僅免負擔存款者的利息(資金成 丄’ ^可以向存款者收取服務費;至於借款者,則依其 信用狀況,收取服務費和保證費。 /、 、、本發明巔覆傳統銀行以利差為主要收人的習慣,而成 :以手績費收入為大宗的金融商品。資金交易平台的交易 弋使存借雙方成為具有自主性的利率決定者,有別於 傳統客戶是利率接受者的金融商品。 本發明係提供-種改變銀行收費結構的線上金融交易 方法,f指一種可以$大線上儲蓄、㉟資及王里財活動與提 ^金融管理的效能,會M經過銀行徵信調查,銀行核准會 ^可以茶加交易群組,#員於網路平台上進行競標、資訊 又換等’ T擴大|貸雙方之交易冑象,肖㉟金融交易的活 絡性及方便性,據以實現線上直接金融交易。 6 200805190 【先前技術】 在網路通信受到廣泛應用的今日,電子金融或網路金 融的建立,受到無比的關注。在目前可見的各種電子金融 或網路金融應用中,主要的發展可能有兩種,第一種仍維 持間接金融之特性,將原有業務利用網路交易,節省成本; 另一種則以直接金融為目的,希望能由資金供給者與資金 需求者直接交易,成本由其自行決定。 又前述第一種方式是支付工具的電子化,其將銀行與 客戶的資金往來透過自動化的網路通信技術進行。其具體 作法疋在銀行客戶通過信用調查後,在銀行授予的信用額 度範圍内,可供客戶透過網際網路提出融資申請、轉帳服 務及清償作業。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.

前述方法的優點在於透過電腦通信網路的輔助,具有 精確、快速之特性。但其實際上僅只能利用網際網路作為 :易資訊的傳遞媒介,冑質的交易過程與一般的交易過程 無異,網路通信並未提供任何額外的功能。 /就目前銀行業的經營來說,e化的銀行業務,只屬於銀 行和客戶之間的封閉系統’基本上只是達到網路經濟時代 銀仃業務的初階。它僅把傳統銀行繁;貞的 的簡單易行罷了! 化 仍停留在間接金融 由銀行支付利息, 此外,銀行扮演資金仲介之功能 的角色’資金供給者必須到銀行存款 7 200805190 Γ:再1=之存款資放給借款者,由於存/放款利率均 仃片面決疋,因而使銀行業務僵化。 而另種電子金融的方法係由銀行在網 ==財的交易平台服務,透過網際網路無遠= △,選:二ΐ:同際網路使用者透過網際網路進入交易平 擇=加的群組進行融資及理財活動。故一項資 可由該群組其他會員所提供,達到直接金融之目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.

佣全,成點’銀行提供交易平台服務收取手續費或 用i 成為一種可能的想法。 因此,如何針對上述問題而提出 費結構的線tP + 职队欠銀订收 使用者之"… 充分利用網際網路擁有廣大 便用者之4寸性,提供各會員於 財活動,使鋁行㈣款、、D 畜、融資及理 ^仃對業務的推展更具經濟效益,長久以來一 經殷切盼望及本發明人念兹在兹者,而本發明人 費结二:!二題探討’終於研究出一種改變銀行收 霉的線上孟嘁父易方法改良,可解決上述之問題。 【發明内容】 有目前金融界可行的電子金融U業務仍 點猶待克服解決,故一個真正可發揮網際網路特 待的 上儲蓄、融資及理財業務者,是極待開發與期 8 200805190 以往在資金交易流程中,銀一 仍停留在間接金融交次"貝貧金仲介之功能, 款,由銀行支付利自、工貝金供給者必須到銀行存 需求者,存=二將所吸收之存款贷放給資金 成本也是:::::::二定’—般的融資客戶所支付的 明確每f τ #、 、、疋,使仵銀行業務僵化。本發 月確只興頁覆了傳統銀行的交易模 夺旦士、+ , 錢現網路直接金融的 又易方法,在直接金融交 色,楹徂六旦τ 中銀仃仍扮演資金仲介的角 提供又易平台的服務鱼管 給者的利息—資全成本銀仃不僅免負擔資金供 易平台服務費,至於資金需i 取銀灯乂 摘米 求者,則依其融資狀況,收取 適畜比例的銀行交易平a 又勿十口服務費及銀行之風險基金。 上入==本發明主要在提供一種改變銀行收費結構的線 -融父易方法,可有效提供便 標交易及清算交割環境,提升绩卜神# 女王之即%双 鱼入衣兄k升線上儲蓄、融資及理財效益 〜孟融官理效能。為達成前述目的採取# + i< 令前述方法包括有: 的知取的主要技術手段係 —會員招募手段’係供使用者提出加人會胃申社. -動態徵信調查手段,係針對加入會員者進行月信用調 查, -會員核定手段,根據會員之信用調查結果決定是否 核准會員之加入申請; 一交易組合成立手段,由备试i么a a 由糸統千台成立不同期數之群 組(12期、24期、36期、.··等不同的群組),供符合停件 的會員參加;俟群組成員人數足額,即進入競標交易模式·, 9 200805190 一投標作業手段,糸 易模式係採類似民間合I模入=交易模式’該競標交 由得標者取得群組各成;群组各成員出價競標, 統將檢核標金的合理父之資金·,會員下標後系 若標金大於系統設定的邀 疋的s不祆至 功的訊息。 L不‘金,則系統會回傳下標不成 一開標作業手段,糸姑 ff F ^ ^ ^ ^ ,、、、、進入開標模式,由系統進行比 對’ £分有效標金及i效枵 古描a 金,亚由有效標金中,選取最 冋軚孟為仔標標金,宣布競標結果。 一交割清算作業手段,I 〜 俨灶要、类m 母』開才示元成後,系統根據競 才不、、、口果’透過適當方式向會 火 ^ 、收取畐期貪金,並於規定期 限内,匯寄予當期得標會員。 前述改變銀行收費結構的線上金融Han 網際網路使用者透過網際網路進人交易平台,選擇合適參 加的群組進行融資及理財、壬 財活動。對於有融資需求的會員, 透過網路競標取得資金’且資金融通之費率係由會員自行 決定。資金提供者可獲取融資會員支付的標息收益。可擴 大4曰^又方之又易對象’增進金融交易的活絡性及方便 性,據以實現線上直接金融交易 【實施方式】 本發明係關於-種改變銀行收f結構的線上金融交易 10 200805190 方法其係以官理伺服器透過網際網路受理會員申請, 經動態徵信會員之信用狀況後核准參加群組,·又管理 ,將以各會員為對象,成立不同期數之交易群組,由各會 貝選擇加入合適的群組並參與各群組之競標活動。 α改變銀行收費結構的線上金融交易方法係、由管理飼服 將成立的父易群組,由參加交易組合的會員,選擇下標 “孟俟開t後,取高標標金為得標者,由管理伺服器收 集各會員之資金,在預定期限内以適當方式匯寄予得;合 員;利用前述改變銀行收f結構的線上金融交易方法= 有資金需求的會員,可以經由競標得標取得需要的資金, 另負金提供之會員,可以臨'0½ u “ 貝了以賺取標息。其具體的工作流程, 包括下列步驟: 會貝線上招募:系招莫古Μ # 你b暴有儲畜、融資或套利儲蓄需求 的使用者參加,而提出加入會員申請; 會員核定:係針對“者的信;狀況進行徵信調杳, 對於通過徵信調查者,即可續行簽约對保,而成為準會員。 …參加者可透過網路視訊、電子加密技術或其他方式完 成簽約對保後,管理李统將姑·名义 里糸捕核發—組登錄交易“之密_ β 貝登錄安全控管:係針對核准參加的會員(101)登 入父易平台網站(102),會員需輸入會員的i 碼、使用者密碼(103),争 用有代 , 糸、、先將根據會員輸入的資料進行 才双核(104),檢核資料正確後 r 便才准予會員進入交易網站 ( )。若會員輸入的資料連 兮合n 錯& η:欠’則系統將管制 该會貝-貝料,並請該會員洽詢服務中心、㈠ 11 200805190 2“ 統成立不同期數之交易群組⑴期、 ^ 不⑽群組),供符合條件的會員參加; d下早豆錄(201)選擇欲加入的交易組合(2〇2 統檢核會員資料(2G3)並等待首次競標(2G4),俟交易 組合成員人數足額(205),即成立交易小組(2〇6),並 進入競標交易模式。系統控管交易組合成立的時間(2〇7), 若未逾成立的時間則將繼續推廣作業(208),若已逾成立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

的時間則通知會員交易組合未成立(2〇9)。 …投標作業··系統進入競標交易模式,該競標交易模式 木類似民間合會权式’由交易組合各成員出價競標,由 得標者取得群組各成員當期繳交之資金; ^由會員依本身的理財需求,選擇下標標金。會員點選 /力的又易群組進行投標(3〇彳),交易系統晝面出現投標 欄位(302 ),由會員依本身的理財需求輸入投標標金 (303) ’確認輸入之投標標金(3〇4),會員下標後系統 將檢核標金的合理性(3〇5),是否大於系統設定的警示標 金。若標金大於系統設定的警示標金,則系統會回傳下標 不成功的訊息’要求重新輸入投標標金( 306),若系統檢 核未出現異常,則完成投標作業(307 )。 開標作業’會員於截止投標時間前輸入標金(401 ), 達開標時間系統進入開標模式(402 ),由系統進行比對, 判斷是否逾投標時間( 403),將投標標金區分為有效標金 及無效標金( 404),並由有效標金中( 405),選取最高 標金為得標標金(406 ),產生得標者並宣布競標結果(407 )。 12 200805190The 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

父割清算作業,系統根據競標結果,透過適當方式 :::取當期資金,並於規定期限内,匯出當期;標標: 二二會η统於開標後,將得標結果及應繳款訊息 〇曰貞(5()1),會員於開標後第η日將款項匯人交割專 戶(5〇2) ’若會員於開標後第η日未匯寄款項,銀行進 履約保證對逾期未繳款的會員進行塾款( 503),並對逾期 未繳款的會員進行逾期繳款通知及相關催收程序(5〇4/ ::將墊款的款項匯寄交割專戶(5〇5),由交割專戶進行 將當期得標應獲得的金額扣除管理㈣後匯寄 標者之會員帳戶(506) 刖述父割清算作業係於每期開標完成後,力一定期限 各小組成員之匯款,並於固定期限内匯寄予當期得 其、、屬/主思的疋·匯寄得標款予得標會員的期限並 又“里伺服态是否收齊其他會員應繳款項為前提,音即 ⑽擔保在期限給付予得標會員之責任,故對參與的^ 而a,可保障其交易安全與權益。 伊合1繳款催收作業:係於得標確定後,未得標或已得 準時繳交會款時,即進人會款催收模式,由管理 糸統以適當方式聯繫會員進行催繳,並同時停止融資交易 權利,直至回復正常為止。 。又交割結算機構結算時,可以適當比例向每期得標會 ::取:§比例作為銀行交易平台之服務費及銀行之風險 土至歹’如所得會款的2 %,其中0.5%為交易平台之服務 費另· 5/作為銀行提供履約保證之風險基金,意即當有 13 200805190 會員惡性倒閉’將由銀行提供履約保證吸收因會員倒閉所 招致的損失,其他會員無須承擔壞帳的風險。 關於具體的開標競標方式,係如以下所述·· 競標方式係由群組成員透過網路出價競標,如透過網 頁或電子郵件在-定的期限進行出價,管㈣服器透過網 路伺服器取得各會員的競標資料後,即開始進行比對,判 斷是否已逾截a投標時社標金,㈣分有效標金與益效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

標金,於有效標金中選取最高標金為得標會員, 標結果。 一^脱 ,管理伺服H係根據下列原則決定得標者: . ◎當期會款是由競標標金最高者取得; =標金相同時’另以適t之抽選作業決定得標會員; 〇虽無=投標時,亦以適當之抽選作業決定得標會員; 百以二::力此外,官理伺服器將透過網路伺服器產生網 再 /文刪除、公告及查詢作業等功能。 f母-群組第n期得標會款及會員應繳款項係以下 列么式換算取得: 1·父易組合第η期之得標款,列式如下: 内標式:An = f π — i \ (U—Ιη) χ (Νι) +ϋ χ (n-1)或 外‘式:An =U X (N〜n) + (Ux(n—l)+|/x) 易、、且合第n期未得標之繳款 •第n期:未得標會員應繳交款項: 内標式·· Μη=ΙΜη或 14 200805190 外才示式· Μπ > u 應繳交款項: b·第η期:第 昂η期W已得標會員 或 内才示式· Mn = η 員於第Xi期得標的標息 外標式:Μη>η;τ · &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,為已得標之會 其中 曰Ixi, the one that has won the award.

An:表 父易組合第n期得標之會款 11 :表示每期的會金金額 N •表不交易組合之會員總數 n ·表不交易組合之開標期數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:表示交易组合第_之標金’其意義為得標會員願意負 擔的各期利息。 標者應繳交之款項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 :表示交易組合第η期未得 且體知’改變銀行收費結構的線上金融交易方法 方法,將突破性地“… 構的線上金融父易 ^ 大幅增進此類金融商品的融資、儲蓄盥 理財效盈,從而提高並 、 "、 ^ ^ ^ , 其市%接文度。本發明改變銀行收費 結構的線上金融夺且士 4 灯收買 少且備™ 體技術内容,以該等設計至 少具備下列優點: ^ 土 1改欠銀仃收費結構··顚覆了傳統銀 模 以往銀行為間接金融交 又易枳式, 息,銀行再將所吸收之户私你 、支付利 U收之存款貸放給借款者。本發明實現網 15 200805190 路直接金融的交易方法,担^s 万去k供父易平台的服務與管 行不僅免負擔存款者的利自Γ杳八士士、 ^ 的利息(貝金成本),還可以向存款 者收取服務費,至於供私土 f 於借秋者,則依其借款狀況 費及保證費。 叹取服矛力 2有效解决網路融資交易不易實現的問題 =網=路招募有儲f、借貸、套利等各種理財需;的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;

^ ^ ^人數達到相#程度’成立的交易群組亦達相 备數置後,即可利用網際網路不受地域、時間限制的特性 進行大量的融資交易,且不存在電子交易之風險。 3.有效的融資供需系統:透過本發明之改變銀行收 費結構的可使有資金需求的會員, 需耍κ八…由競標得標取得 而要的貝提供之會員,可以賺取標息,故為兼 顧供需的自動線上交易系統。 ” 競標 〇客 為網 、4 ·自主性決定利率··本發明之融資成本係透 方式決定,其不受限於傳統金融業界的靜態計息方 戶可:透過競標反映自我的需求,自主性決定利率 路經濟時代最適合的金融商品。 盘奋/安全性高:本發明由銀行進行履約保證,保障參 貝的權益,使其不致因會員倒會而遭受損失。 综上所述,本發明確已具備前揭所述的各項優點,相 ::目W電子金融交易系統可能的發展已具備顯著的實用 〃進步性,並符合發明專利要件,爰依法提起中請。 16 200805190 【圖式簡單說明】 第一圖:係本發明會員登錄之工作流程圖。 第二圖:係本發明交易群組成立之工作流程圖。 第三圖:係本發明會員投標之工作流程圖。 第四圖:係本發明系統開標之工作流程圖。 第五圖:係本發明系統交割清算之工作流程圖。 ^ 【主要元件符號說明】 無 17^ ^ ^ 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 十、申請專利範圍: 1 . -種改變銀行收費結構的線上金融交易方法,係建構於 一官理伺服器上,並透過一網路伺服器於網際網路上運作,該方 法包括有: 一會員招募手段,係供使用者提出加入會員申請; 一動態徵信調查手段,係針對加人會員者進行信用調查; # 。-會員核定手段,根據會員之信用調查結果決定是否核可會 員之加入申請; 曰 ....... , 口儿个问 組(1 2期、24期、36期、箄不因沾继4 、 的會員、。…4同的群組)’供符合條件 、…,、似成貝人數足額’即進入競標交易模式; 一投標作業手段,系統進入 易握+及/』 矶^又易核式,該競標交 ^式係採類似民間合會模式,由 由得標者取得群組各成昌“ 风貝出匕兄私, _ 成貝田期繳父之資金;會員下俨诒糸 師全女^ f疋否大於系統設定的警示標金。 右^至大於系統設定的鑿 丁 功的訊息; ^ V孟,則糸統會回傳下標不成 一開標作業手段,系絶 對,區分有效β入芬^ 入開軚模式,由系統進行比 " 热效標金,並由有效標金中,選取最 4金為得標標金,宣布競標結果; &取取 一交割清算作章丰與 ^ 標結果,透過適當方式向合完成後,系統根據競 限内,匯寄予當期得標會員\、收取虽期資金,並於規定期 18 200805190 2如申明專利範圍第1項所述之改變銀行收費結構 的線上金融交易方法,$開標作業手段在預定開標時間, 比對各曰員之杈‘’以區分有效標金與無效標金,於有欵 標金中選取最高標金為得標者並宣布該次競標結果,管理 伺服器係根據下列原則決定得標者: ◎ Ϊ期會款疋由競標標金最高者取得· ◎當標金相同時’另以適當之抽選作業決定得標會員; ◎當無人投標時’亦以適當之抽選作業決定得標會員; 除月〕述功i外’官理伺服器將透過網路伺服器產生網 頁以同時提供投標、修改、刪除、公告及查詢作業等功能。 3 ·如中請專利範圍第!項所述之改變銀行收費結構 的線上金融交U法,該交#j清算作業手段結料,將競 標所得會款抽取適當比例作為管理伺服器之服務費及銀行 之風險基金。 4 ·如申請專利範圍第1 Jg勝 月寸〜季巳囷乐丄項所述之改變銀行收費結構 的線上金融交易方法,該交割清算作業手段之後另包 :逾期繳款催收手段’係由銀行進行履約保證,塾付該會 貝應繳款項後’即進人會款催收模式,由管理系統以適二 方式聯繫會員進行催繳’並同時停止融資交易權利,直: 回復正常為止。 Η^一、圖式: 如次頁 19200805190 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
TW95124838A 2006-07-07 2006-07-07 On-line financial trading method for changing fee-collecting structure of bank TW200805190A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI398823B (en) * 2008-06-05 2013-06-11

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI398823B (en) * 2008-06-05 2013-06-11

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