200820116 九、發明說明： 【發明所屬之技術領域】 本發明係提供一種直接金融商品線上金融交割清算方 法，其尤指應用於直接金融商品的交割付款機制，其係利 用系統給予會員專屬的會員編號，進行線上登錄、投開標 =業及交割清算作業，專屬的η編號隸屬於交割清 :中心的總帳戶；gp 一個總帳戶内有複數個會員專屬的會 員編號帳戶。由總帳戶的明細資料可以線上即時掌握交： 狀況’能即時知道係何人所支付之款項可以達到資金移 ㈣：：安全及低成本的效率目#。有效解決直接金融商 ⑽開b後，父割清算的不方便性及不易及時辨認匯款者的 身分的問題。 2發明對會貢而言，會員取得—組專屬的會員編號， 即可從登錄交易開& 直到交割結算，—直使用專屬的 !貝編號進行交S即可；即交割清算時，t員直接將交割 二項匯寄專屬的會員編號進行交割。有效解決會員因記憶 夕組編號不知所措的困擾。 先前技術 在網路通信受到廣泛應 融的建立，受到無比的關注 用的今日，電子金融或網路金 。在目前可見的各種電子金融 6 200820116 或網路金融應用中’主要的發展可 持間接金融之特性，將原有業務利用網路交易，；：:維 另-種則以直接金融為目的，推成本， :式商品屬之’希望能由資金供給者與資金=者::: 易，成本由其自行決定。 直接又 按，目前銀行業經營直接金融^ 貨f拆借、中小企銀合合耸、〇 銀仃間的 式，或人工收款的交:二二’多：點對點的交割清算方 的又异方式，僅侷限於交易人數少的 ::組織：若”人數持續擴大增多，交割作業將會變得 ”後會貝匯寄父割款時，可能會記錯匯款帳號、或因使 用的交割方式不同；例如採用銀行匯款、ATM轉帳、郵局 通匯、現金存人···等不同方式，有些匯款工具或交割方式， 並未顯不匯寄者的名稱’無法及時辨認匯款者的身分。對 於未顯不匯寄者之交割款，交割單位需額外與匯寄單位確 認匯寄者身分，若筆數過多將造成交割作業上的困擾。 另，目前網路線上購物之交割清算作業，有些商家採 用虛擬帳戶交割付款，惟僅侷限於會員線上購物選擇的繳 放工具之一。會員線上購物除了會員帳號、會員密碼、會 員戰別馬專此外商豕額外給予購物繳款的帳號，多個帳 號么碼亦造成會員混淆，所以目前大多數網路購物仍採 用信用卡為支付工具。 因此，如何針對上述問題而提出一種新穎直接金融商 品線上金融交割清算方法，長久以來一直是使用者殷切盼 主及本發明人念茲在茲者，而本發明人基於多年從事於直 7 200820116 接金融商品之相關研究、開發及銷售實務經 融改I劍報^ a $思及金 嘁改軍創新之意念，窮其個 呌棄哼^ <寻茶知識，經多方研究設 片、專通板討，終於研究出一 宝丨卜生管古、+ 禋1接金岫商品線上金融交 °J β t方法改良，可解決上述問題。爰是 發明内容】 :前述可知，目前銀行業經營直接金融商品，交室卜 =業仍有諸多缺點猶待克服解決，故—個真 揮^ 際網路特性及宏大直接金融商品清算 H罔 能’是極待開發與期待的。 …秋、效率與效 以往在直接金融商品的交 的匯款交割方式«用人業中’多採點對點 灣地區有七J 的交割方式，例如早期台 合） 《小止銀經營直接金融商品（區域性民間人 :::::開標後，由銀行員個別拜訪採用人工收= L a轉加的Η數增加，使收款 業更加困難與複雜，交 綠作 的錯誤率也跟著增加。由:二:=工核帳，人為核帳 抑制了直接金融商品的發展便性，所以也 对从、主# 展所以關於直接金融商品，有 y 、巧异父割付款機制是極待開發的。 之主要目的’在於提供一種直接金融商品線上 8 200820116 金融交割清算方法，其係提供金融業直接金融商品的交割 付款機制，可以線上即時掌握交割狀況，能即時知道係何 人所支付之款項，達到資金移轉快速、安全及低成本的 率目標。 / 本發明之另一目的，在於提供一種直接金融商品線上 .金融父割清异方法，其係提供金融業直接金融商品的交割 付款機制，可以減少人為核帳錯誤的發生，以利金融業推 展直接金融商品。本發明對會員而言，會員取得一組專屬 1 的會員編號，即可從登錄交易開始，一直到交割結算，— 直使用專屬的會員編號進行交易即可；即交割清算時，直 -接將交割款項匯寄專屬的會員編號進行交割。有效解決會 _ 員因記憶多組編號不知所措的困擾。 玲 本發明係為一種直接金融商品線上金融交割清算方 法，由各個會員透過一網際網路參加直接金融商品，=於 每一位麥加的會員，系統會核予一個會員專屬的會員編 號，會員取得專屬的會員編號，可以進行線上登錄、投開 -標作業及清算交割作業，會員於開標後的交割結算，係會 員於線上將應交割款項匯入會員專屬的會員編號，所有會 員專屬的會員編號（即會員交割帳號），隸屬於交割清^ 中心的總帳戶。由總帳戶的明細資料可以線上即時掌握會 員的交割狀況，對於逾期未繳款的會員，交割系統會發出 催繳通知並進行催繳作業。為達成前述目的採取的主要技 術模組係令前述方法包括有： 一會員核定模組，會員線上申請加入，會員審核系統 200820116 貝貧料，根據審核結果，卜 0 加入申請，針對核准參加的备員：疋是否核准會貝之 會員一組會員專屬的备昌、自貝管理伺服器核發給 -會員登錚安二: 編逮及會員密碼函； 曰穴丘荪女全控管模 入交易平台網站，合g兩 “、對核准參加的會員登 田貝茜輸入會昌奎研 者密碼，會員管理伺服$&貝專屬的會員編號及使用 核，該檢核係為—加解密之機制，曰於貝輪入的資料進行檢 予會員進入交易網站。若备 w核貪料正確後’才准 ριΐ ^ I ^ 19 4Ί BE g貝*入的資料連續錯誤η次， 則會貝官理伺服器將管制 務中心； Μ"貝貝料，並請該會員洽詢服 一會員參加直接金融 σ ^ ^人 η 口又易拉組，會員參加直接金 网虫商口口父易•會員取得合昌总 % 于^貝官理伺服器核發專屬的會員編 號’即可根據取得的專屬合昌絶 寻高9貝編唬選擇下單參加直接金融 商品’下單參加後，管理飼服笑、 何服态進行資料檢核，檢核無誤 即完成下单。會員使用專屬的會員編號可以隨時進行線上 競標，刪除及修改，確認輸入資料後，系統進行資料檢核， 資料檢核異常未完成輸入，檢核無誤即完成輸入； 一父割清异作業模組，當直接金融商品開標後，管理 伺服器將開標結果及當期應繳款項訊息，依會員約定的通 訊協定（e-mail、PDA數位助理、語音系統、手機"等）發 送給參加的會員’會員接收到當期應繳款項訊息後，透過 網際網路轉帳、金融EDI、手機、語音系統…等，將當期應 繳款項轉入會員專屬的會員編號（即會員專屬的交割帳 就）’會貝專屬的會貝編號係複數個子帳戶對應於交割清 200820116 算中心的總帳戶，交割清算中心的總帳戶於接收會員繳款 訊息後，經檢核確認，該檢核係為一加解密之機制，交割 清算中心電腦系統依該會員約定的通訊協定發送收到會員 匯寄款項通知給該會員。另外，交割清算中心電腦系統發 送入帳明細通知予網路伺服器，網路伺服器存放會員的專 屬電子帳單（電子存摺），即時提供會員線上查詢。若會 員於開標後交割日未匯寄款項，金融機構進行履約保證對 逾期未繳款的會員進行塾款，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。金融機構將墊款的款項匯 寄交割清算中心總帳戶，交割清算中心於交割日進行交割 清算作業，收取未得標者應繳款項，進行交割結算，將當 期得榡應獲得的金額扣除系統業者應得管理費用後，匯寄 予得標者之金融帳戶。 綜上所述，本直接金融商品線上金融交割清算方法， 改變傳統直接金融商品的交割模式，由會員專屬的會員編 號等於會員交割時的繳款帳號，即會員取得一組專屬的會 員編號後，即可使用專屬的會員編號進行登錄、競標、修 改、刪除、查詢，一直到交割結算；即交割清算時，會員 可利用各種通匯管道，直接將交割款項匯寄專屬的會員編 號進行交割。大幅提升會員參加直接金融商品的方便性。 直接金融商品線上金融交割清算採用會員專屬的會員 編號為會員交割時的繳款帳號，對系統業者言，可以即時 得知會員的繳款訊息，迅速確認交割款與會員的關係，並 且可以自動化的進行對帳與銷帳，改善傳統直接金融商品 11 200820116 開標後人工收款的不方便性及會員採用不同匯款方式（郵 局、自動提款機...等）身分辨識不易的問題，本發明確實可 以宏大直接金融商品清算交割付款的效率與效能，大幅提 高直接金融商品清算交割的靈活性，進而提昇直接金融商 品在市場上更廣泛的接受度。 【實施方式】 本發明係提供一種直接金融商品線上金融交割清算方 法’其尤指應用於直接金融商品的交割付款機制，其係利 用系統給予會員專屬的會員編號，進行線上登錄、投開標 :業及交割清算作業，t員專屬的會員編號隸屬於交割清 异中心的總帳戶；即-個總帳戶内有複數個會員專屬的會 員編號帳戶。由總帳戶的明細資料可以線上即時掌握交割 狀況，能即時知道係何人所支付之款項，可以達到資金移 轉快速、安全及低成本的效率目標。 當直接金融商品開標後，管理飼服器將開標結果及當 期應繳款項訊息，依會員約定的通訊協定、观數 位助理、語音系統、手機…等）發送給參加的會員，會員接 收到當期應繳款項訊息後，透過網際網路轉帳、金融、 手機、語音系統…等’將當期應繳款項轉入會員專屬的合員 編號（即會員專屬的交割帳號），會員專屬的會員編號係 複數個子帳戶對應於交割清算中心的總帳戶，交割清算中 12 200820116 /的、”心帳戶於接收會員繳款訊息後，經檢核確認，該檢核 係為-加解密之機制，《割清算中心電腦系統依該會員約 定的通訊協定發送收到會員匯寄款項通知給該會員。另 外，父剎清算中心電腦系統發送入帳明細通知予網路伺服 為，網路伺服器存放會員的專屬電子帳單（電子存摺）， ::提供會員線上查詢。交割清算中心於交割日進行交割 :^作業，收取未得標者應繳款項，進行結算並將款項匯 可予得k會員應得款項及系統業者應得管理費。其具體的 工作流程，包括下列步驟： 會員核定：會員線上申請加入（101)，會員審核系統 線上進=審核會員資料（1G2)，根據審核結果，決定是否 才:准曰員之加入申凊（Ί 〇3 )，會員申請經審查核准成為會 〇4 )針對核准參加的會員，會員管理飼服器核發給 έ員、、且έ員專屬的會員編號及會員密碼函（1 ); 會員登錄安全控管：核准參加的會員登入交易平台網 站（2〇1) ’會員需輸入會員專屬的會員編號及使用者密碼 (202 )’會員管理伺服器將根據會員輸入的資料進行檢 核’該檢核係為一加解密之機制（ 203)，檢核資料正確後， 才准予會員進人交易網站⑵4)。若會員輸入的資料連續 錯誤π次’則系統將管制該會員資料，並請該會員洽詢服 務中心（205); 。。會員參加直接金融商品交易：會員取得會員管理飼服 益核發專屬的會員編號，即可根據取得的專屬會員編號選 擇下單參加直接金融商品（301)，下單參加後，管理伺服 200820116 器進行資料檢核，檢核無誤即完成下單（302 )。會員使用 專屬的會員編號可以隨時進行線上競標，刪除及修改 (303)，確認輸入資料（304)，系統進行資料檢核（305)， 資料檢核異常未完成輪入（306 )，檢核無誤即完成輸入 (307) ° 交割清算作業：當直接金融商品開標後，管理伺服器 將開標結果及當期應繳款項訊息，依會員約定的通訊協定 (e-mail、PDA數位助理、語音系統、手機…等）發送給參 加的會員，會員接收到當期應繳款項訊息後（401 )，透過 網際網路轉帳、金融ED I、手機、語音系統...等，將當期應 繳款項轉入會員專屬的會員編號（即會員專屬的交割帳 號），會員專屬的會員編號係複數個子帳戶對應於交割清 算中心的總帳戶（402 )，交割清算中心的總帳戶於接收會 員繳款訊息後，經檢核確認（403 )，該檢核係為一加解密 之機制，交割清算中心電腦系統依該會員約定的通訊協定 發送收到會員匯寄款項通知給該會員（404 )。另外，交割 清算中心電腦系統發送入帳明細通知予網路伺服器，網路 伺服器存放會員的專屬電子帳單（電子存摺），即時提供 會員線上查詢（405 )。若會員於開標後交割曰未匯寄款項， 金融機構進行履約保證對逾期未繳款的會員進行墊款 (406 )，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（ 407)。金融機構將墊款的款項匯寄交割清算中 心總帳戶（408 )，交割清算中心於交割曰進行交割清算作 14 200820116 業，收取未得標者應繳款項，進行交割結算，將當期得標 應獲得的金額扣除系統業者應得管理費用後，匯寄予得標 者之金融帳戶（ 409) 前述交割清算作業係於直接金融商品每期開標完成 後，於一定期限内收集該直接金融商品會員之匯款，並於 固定期限内匯寄予當期得標會員；必須注意的是：匯寄得 標款予得標會員的期限並不受管理伺服器是否收齊其他會 員應繳款項為前提，意即金融機構擔保在期限給付予得標 會員之責任，故交割清算作業的履約保證對參與的會員而 言，可保障其交易安全與權益。 由上述可知，直接金融商品線上金融交割清算方法具 體技術内容，尤其是應用於直接金融商品的交割付款機 制，將突破性地改變傳統直接金融商品的交割收款方式， 大幅增進直接金融商品的交割清算效率，達成資金移轉快 速、安全及低成本的目標，從而提高直接金融商品市場的 接受度。本發明直接金融商品線上金融交割清算方法之具 體技術内容，以該等設計至少具備下列優點： 1·本直接金融商品的交割付款機制具有進步性，改 變傳統直接金融商品的收款方式，使以前侷限於小眾組織 的交割結算作業，擴大為處理網路大量直接金融商品的交 割結算作業。 2 ·本直接金融商品的交割付款機制對會員而言，會 員取得一組專屬的會員編號，即可從登錄交易開始，一直 15 200820116 ^交割結算’ 一直使用專屬的會員編號進行交易即可；即 ，割清算時，直接將交割款項匯寄專屬的會員編號進行交p 副。有效解決會員因記憶多組編號不知所措的困擾。 3.本直接金融商品的交割付款機制具有新穎性， 供線上即時的交割結算方法，採用會員 為，員㈣時的《帳號，料、統業者言，㈣即時= 會貝的繳款訊息，迅速確認交割款與會員的關係、，並且可 :自動化的進行對帳與銷帳，解決傳統直接 後，收款、對帳與銷帳的不方便性。 開軚 4 ·會員取得一組專屬的會_ 的合員繞… 的曰貝編唬後，即可使用專屬 ^貝編琥進行登錄、競標、修改、刪除、查詢， 乂剎結算^大幅提升會員參加直接金融商品的方便性。 全融擴播女王14间本直接金融商品的交割付款機制具有 約保證機制，保障參與會員的權益，使其不 口其他會貝逾期交割而遭受損失。 較於丄本發明確已具備前揭所述的各項優點，相 性4:: 易系統可能的發展已具備顯著的實用 -、進乂性，亚付合發明專利要件，爰依法提起申請。 【圖式簡單說明】 第圖·係本發明會員核定之工作流程圖。 16 200820116 第二圖：係本發明會員登錄安全控管之工作流程圖。 第三圖：係本發明會員參加直接金融商品交易之工作 流程圖。 第四圖：係本發明交割清算系統之工作流程圖。 【主要元件符號說明】200820116 IX. Description of the invention: [Technical field to which the invention pertains] The present invention provides a method for online financial settlement of direct financial products, which is particularly applicable to a delivery payment mechanism for direct financial products, which utilizes a system to give member-only member numbers. , online registration, investment standard = industry and delivery clearing operations, the exclusive n number belongs to the delivery clear: the total account of the center; gp a total account has a number of member-only member number account. The detailed information of the total account can be instantly obtained online: The status can immediately know who is paying the money to achieve the capital shift (4):: Security and low-cost efficiency. Effectively solve the problem of direct financial dealers (10) After opening b, the inconvenience of parental clearing and the difficulty of identifying the identity of the sender in time. 2 Inventing for the club, the member obtains the exclusive member number, which can be opened from the login transaction & until the settlement of the transaction, directly using the exclusive! Bay number to pay S; that is, when the settlement is clear, t The delivery of the exclusive member number will be delivered directly to the delivery. Effectively solve the problem that members are overwhelmed by the memory of the group number. Prior Art In the establishment of a wide range of network communications, it has received unparalleled attention today, e-finance or online gold. In the various e-finance 6 200820116 or online financial applications that are currently visible, 'the main development can hold the characteristics of indirect finance, and the original business can use the online transaction;;:: the other is the direct financial purpose. Cost, : The type of commodity belongs to the 'hope to be funded by the supplier and the fund = person::: Easy, the cost is determined by itself. Directly press, the current banking industry direct finance ^ goods f borrowing, small and medium enterprises silver and silver, the combination of silver and silver, or the intersection of artificial collection: 22 'more: point-to-point delivery clearing party's different way Only limited to the number of transactions:: Organization: If the number of people continues to expand and the delivery will become "after the transfer, the parent will be remembered, the wrong account number, or the delivery method will be different. For example, using bank remittance, ATM transfer, post office exchange, cash deposit, etc., some remittance tools or delivery methods do not show the name of the remittance's inability to identify the sender's identity in time. For the delivery of the unremitted remittance, the delivery unit needs to confirm the remittance status with the remittance unit. If the number of the remittance is too large, it will cause troubles in the delivery operation. In addition, at present, online merchants perform delivery and clearing operations, and some merchants use virtual accounts to make payment, but only one of the payment tools for members' online shopping choices. In addition to membership accounts, member passwords, and members' squad, the members of the online shopping service also provide additional accounts for shopping contributions. The multiple account codes also cause confusion among members. Therefore, most online shopping still uses credit cards as payment tools. Therefore, how to solve the above problems and propose a new method for online financial settlement of direct financial products, which has long been a user who is eagerly awaiting the Lord and the inventor, and the inventor has been working on the straight 7 200820116 for many years. The research, development and sales of financial products have been reformed and I have reported that it has become a concept of innovation and innovation. The board discussed, finally researched a treasure, 生 生 生 管 管, + 禋 1 接 金 金 岫 线上 线上 线上 线上 线上 线上 线上 ° ° ° 。 。 。 。 。 。 。 。 。 。 。 。 。 。爰 is the content of the invention: As mentioned above, at present, the banking industry operates direct financial products, and there are still many shortcomings in the industry. It is still necessary to overcome the solution. Therefore, a real network feature and a grand financial product liquidation H can 'It is extremely urgent to develop and expect. ...Autumn, efficiency and efficiency. In the past, the method of remittance delivery of direct financial products was carried out in the “management industry”. There are seven J delivery methods in the point-to-point bay area, such as early Taiwanese. “Small silver business direct financial products (regional Private people::::: After the opening of the bid, the banker's individual visits use the manual increase = L a increase in the number of turns, making the collection industry more difficult and complicated, and the error rate of green work is also increasing. :=Working accounts, artificial accounting has inhibited the development of direct financial products, so it is also very important for the direct, financial, and direct financial instruments of the direct and financial products. The purpose is to provide a direct financial product online 8 200820116 financial settlement and liquidation method, which provides a delivery payment mechanism for direct financial products in the financial industry, which can immediately grasp the delivery status online, and can instantly know who paid the money and achieve the transfer of funds. Fast, safe, and low-cost rate target. / Another object of the present invention is to provide a direct financial product online and financial parenting method. The delivery payment mechanism for direct financial products in the financial industry can reduce the occurrence of human error accounting errors, so as to facilitate the financial industry to promote direct financial products. For the member, the member obtains a group of exclusive member number, and can log in from the login. The transaction starts from the settlement of the delivery, and the transaction can be carried out directly using the exclusive member number; that is, when the settlement is completed, the delivery amount will be remitted to the exclusive member number for delivery. The effective settlement will be based on the memory number. I am overwhelmed by the problem. Ling invention is a direct financial product online financial settlement method, each member participates in direct financial products through an Internet, = in each member of Mecca, the system will approve a member The exclusive member number, the member obtains the exclusive membership number, can carry out online login, investment-marking operation and clearing and delivery operations. The member will settle the settlement after the bid opening, and the member will send the due amount to the member-only member number online. , all members' exclusive member number (ie member delivery account number), subject to delivery clear ^ The total account of the heart. The detailed information of the total account can be used to instantly grasp the delivery status of the members. For those members who have not paid the overdue payment, the delivery system will issue a reminder and make a call. The main technical model adopted to achieve the above objectives. The above methods include: a member approval module, member online application to join, member review system 200820116 shellfish, according to the audit results, Bu 0 to join the application, for the approved participants: 疋 whether to approve the members of the club A group of member-specific reserve Chang, self-shell management server issued to the member - Member Deng Yuan 2: edited and member password letter; 曰 荪 荪 荪 全 full control model into the trading platform website, g two ", approved Participants in the field, Deng Tianbei, enter the password of the Changkuiyan, the member management servo, and the exclusive member number and use core. The check is the mechanism of encryption and decryption. Enter the trading website. If the preparation of the w-nuclear greed is correct, then the data of the ριΐ ^ I ^ 19 4Ί BE g ** will continue to be η consecutive times, then the server will be the control center; Μ" Members inquire for a member to participate in the direct financial σ ^ ^ people η mouth and easy pull group, members participate in the direct gold net worm business mouth mouth member • Member to get the total number of Hechang in the ^ Bay official management server issued a unique member number ' According to the obtained exclusive Hechang search for high 9 shells, choose to place an order to participate in direct financial products. After the order is placed, manage the feeding and laughing, and the service status will be checked, and the check will be completed. Members can use the exclusive member number to conduct online bidding, delete and modify at any time. After confirming the input data, the system will check the data. The data check is abnormal and the input is not completed. The check is completed and the input is completed. When the direct financial product is opened, the management server will open the bidding result and the current payment information, and send it to the participating parties according to the communication agreement (e-mail, PDA digital assistant, voice system, mobile phone, etc.) agreed by the member. After receiving the payment information of the current period, the member's members will transfer the current payment to the member's exclusive member number through the Internet transfer, financial EDI, mobile phone, voice system, etc. The account number is the same as the total account of the transfer center. The total account of the delivery clearing center is checked and confirmed by the member after receiving the payment information of the member. The check is A mechanism of encryption and decryption, the computer system of the delivery clearing center sends a notification of the remittance of the member to the member in accordance with the communication agreement agreed by the member. In addition, the delivery clearing center computer system sends a detailed account notification to the web server, and the web server stores the member's exclusive electronic bill (electronic passbook) to instantly provide online member inquiries. If the member does not remit the payment on the delivery date after the bid opening, the financial institution will perform the performance guarantee to make a payment for the overdue member, and the overdue payment member will be notified of the overdue payment and related collection procedures. The financial institution remits the advance payment to the total account of the clearing center, and the delivery clearing center carries out the settlement and clearing operation on the delivery date, collects the unpaid amount, and makes the settlement of the settlement, and deducts the amount that should be obtained in the current period. The system operator should pay the management fee and remit it to the financial account of the successful bidder. In summary, the online financial settlement method for direct financial products changes the delivery mode of traditional direct financial products. The member number exclusive to the member is equal to the payment account number when the member delivers, that is, after the member obtains a set of exclusive member numbers, You can use the exclusive membership number to log in, bid, modify, delete, and query, until delivery settlement; that is, when the settlement is cleared, members can use the various channels to directly transfer the delivery amount to the exclusive member number for delivery. Significantly enhance the convenience of members participating in direct financial products. Direct financial products online financial settlement and clearing use the member's exclusive membership number as the payment account number when the member delivers. For system operators, they can immediately know the member's payment information, quickly confirm the relationship between the payment and the member, and can be automated. Reconciliation and sales, improve the traditional direct financial products 11 200820116 The inconvenience of manual collection after the opening of the bid and the use of different remittance methods (post office, ATM, etc.) identity identification is not easy, the present invention does It can increase the efficiency and efficiency of direct financial products settlement and payment, and greatly improve the flexibility of direct financial commodity clearing and delivery, thereby enhancing the wider acceptance of direct financial products in the market. [Embodiment] The present invention provides a method for online financial settlement of direct financial products, which is particularly applicable to a delivery payment mechanism for direct financial products, which utilizes the system to give member-only member numbers, online registration, and bid opening: industry And the delivery clearing operation, the exclusive member number of the member is subordinate to the total account of the delivery clearing center; that is, there are a plurality of member-only member number accounts in the total account. The detailed information of the general account can instantly grasp the delivery status online, and can instantly know who is paying the money, which can achieve the efficiency goal of rapid, safe and low-cost capital transfer. After the direct opening of the financial products, the management feeding machine will send the results of the opening and the payment of the current payment, according to the communication agreement, the digital assistant, the voice system, the mobile phone, etc., which the members have agreed to, and send them to the participating members. After the current payment of the payment information, through the Internet transfer, finance, mobile phone, voice system, etc. 'transfer the current payment to the member's exclusive member number (ie member's exclusive delivery account), member-only The member number is a plurality of sub-accounts corresponding to the total account of the delivery clearing center, and the delivery account clearing 12 200820116 /, "heart account after receiving the member payment message, after verification, the inspection is - encryption and decryption mechanism The computer system of the clearing and clearing center sends a notice of the remittance of the member to the member according to the communication agreement agreed by the member. In addition, the computer system of the parent-clearing clearing center sends a detailed account notification to the network server, and the network server stores Member's exclusive electronic bill (electronic passbook), :: Provide member online inquiry. Delivery clearing center delivers on delivery date: ^ homework, charge The successful bidder shall pay the amount, settle the bill and remit the money to the member and the system operator shall pay the management fee. The specific work process includes the following steps: Member approval: member online application (101) , member audit system online entry = audit member information (1G2), according to the audit results, decide whether or not: the admission of the prospective employee (Ί 〇 3), the member application has been reviewed and approved to become a meeting 4) for the approved members Member management feeding machine issued to the employee, and the employee's exclusive member number and member password letter (1); Member login security control: Approved member login trading platform website (2〇1) 'Members need to input Member-specific member number and user password (202) 'Member management server will check according to the information input by the member'. The verification system is a mechanism for encryption and decryption (203). After the verification data is correct, the member will be granted to the member. Enter the trading website (2) 4). If the member input data is erroneously π times' then the system will control the member information, and ask the member to contact the service center (205); Financial commodity trading: members can obtain the exclusive member number of the member management feeding service, and they can choose to participate in direct financial products (301) according to the obtained exclusive member number. After the order is placed, the management servo 200820116 will be used for data verification. If the check is correct, the order will be completed (302). The member can use the exclusive member number to conduct online bidding, delete and modify (303) at any time, confirm the input data (304), and the system performs data check (305), and the data check is abnormal. The round-up is not completed (306), and the input is completed without verification. (307) ° Delivery and clearing operation: When the direct financial product is opened, the management server will open the bidding result and the current payment information, according to the communication agreement agreed by the member. (e-mail, PDA digital assistant, voice system, mobile phone, etc.) sent to participating members, members receive the current payment information (401), through Internet transfer, financial ED I, mobile phone, voice System...etc., transfer the current payment to the member's exclusive member number (ie, the member's exclusive delivery account), and the member's exclusive member number is plural. The sub-account corresponds to the total account of the delivery clearing center (402), and the total account of the delivery clearing center is verified and confirmed (403) after receiving the payment information of the member. The verification is a mechanism of encryption and decryption, and the delivery clearing center The computer system sends a notification of the member's remittance to the member (404) in accordance with the communication agreement agreed by the member. In addition, the delivery clearing center computer system sends a detailed account notification to the web server, and the network server stores the member's exclusive electronic bill (electronic passbook), and immediately provides member online inquiry (405). If the member fails to remit money after the bid opening, the financial institution will perform the performance guarantee to make advances to the overdue members (406), and make overdue payment notices and related collection procedures for the overdue members (407) ). The financial institution will remit the advance payment to the total account of the clearing center (408). After the delivery, the delivery clearing center will deliver the settlement to 14 200820116, and the unpaid bidder will be charged for settlement and settlement. The amount of the target shall be deducted from the financial account of the successful bidder after deducting the management fee from the system operator. (409) The above settlement and clearing operation is to collect the direct financial product member within a certain period of time after the completion of each period of direct financial products. Remittances are remitted to the current winning members within a fixed period of time; it must be noted that the time limit for remittance of the tendered members to the winning members is not subject to the fact that the management server collects the payment due from other members. This means that the financial institution guarantees the obligation to pay the winning member within the time limit. Therefore, the performance guarantee of the delivery and clearing operation can protect the security and rights of the participating members. It can be seen from the above that the specific technical content of the direct financial products online financial settlement method, especially the delivery payment mechanism for direct financial products, will revolutionize the delivery of traditional direct financial products and greatly improve the delivery of direct financial products. Clearing efficiency, achieving the goal of rapid, safe and low-cost capital transfer, thereby increasing the acceptance of direct financial commodity markets. The specific technical content of the online financial settlement method for direct financial products of the present invention has at least the following advantages: 1. The delivery payment mechanism of the direct financial commodity is progressive, changing the way of collecting traditional direct financial products, so that It is limited to the settlement and settlement operations of niche organizations, and is expanded to handle the settlement and settlement of a large number of direct financial products on the Internet. 2 · The delivery payment mechanism of the direct financial product For the member, the member obtains a set of exclusive member number, which can be started from the login transaction, and has been used for 15 200820116 ^ delivery settlement' to always use the exclusive member number for the transaction; When the transaction is cleared, the delivery amount will be directly sent to the exclusive member number for assignment. Effectively solve the problem that members are overwhelmed by the memory of multiple groups of numbers. 3. The delivery payment mechanism of this direct financial product is novel, for online delivery settlement method, using the member, member (four) when the "account, material, the industry, words, (four) instant = Huibei's payment message, quickly Confirm the relationship between the delivery and the member, and can: automate the reconciliation and sales, solve the inconvenience of the collection, reconciliation and sales after the traditional direct. Opening 4 · Members get a set of exclusive _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The convenience of participating in direct financial products. The delivery payment mechanism of the 14 direct financial products of the Queen has been extended to guarantee the rights and interests of the participating members, so that they will suffer losses if they fail to deliver overdue. Compared with the above, the present invention has already possessed the advantages mentioned in the foregoing, and the phase 4:: The possible development of the easy system has already had significant practicality, advancement, and the patent requirements for the invention of the invention, and the application is filed according to law. [Simple description of the diagram] The diagram is a workflow diagram approved by the members of the present invention. 16 200820116 The second figure is a workflow diagram of the member's login security control. The third figure is a flow chart of the work of the members of the present invention to participate in direct financial commodity transactions. The fourth figure is a working flow chart of the delivery clearing system of the present invention. [Main component symbol description]
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