TW200821968A - Ownership certificate and transaction method of on-line funds bidding mechanism - Google Patents

Abstract

The present invention relates to an ownership certificate and transaction method of on-line funds bidding mechanism, wherein members in a mutual assistance association pay membership fee to receive a value of right of funds bidding combination, and a financial institution issues an electronic ownership certificate to the members. The funds bidding combination in the mutual assistance association accepts applications of applicants by a management server on the Internet; providing memberships to qualified applicants with accounts and passwords after the financial institution investigates applicants credit status; and members can select and join suitable funds bidding combinations in the mutual assistance association through telephone, cell phone, PDA, computer network, and other communication equipments. The management server creates several different combinations of transactions (12-term, 24-term, 36-term, etc), and the members select and join suitable funds bidding combinations in the mutual assistance association according to individual needs in taking part in the bidding. Members which are not the highest bidders will get the electronic ownership certificate at the current term after paying the current membership fee. A major novel attribute is the floating value-increasing electronic ownership certificate, which characterizes in increasingly varying the value of the electronic ownership certificate as the membership fee is paid every term, and the dividends and membership fees are accumulated term by term. After acquiring the electronic ownership certificate, a member can log into an electronic ownership certificate secured loan system through telephone, cell phone, PDA, computer network, and other communication equipments to apply to a financial institution for a secured loan. Or he can log into an electronic ownership certificate transfer/bidding system to transfer his electronic ownership certificate to other authorized members. The present invention differs from the conventional mutual assistance association in that it provides higher liquidity and allows accommodating more members by including new members as they purchase an electronic ownership certificate, and it satisfies on-line financial needs (from short-term to long-term) for all members. Furthermore, contrasting to the conventional high risky derivative products in current market, through the platform, operability, assurance provided by financial institutions the present invention provides no-risk financial products with ownership certificate and transaction method of on-line funds bidding mechanism.

Description

200821968 IX. Description of invention: [Technical field of invention] This is the rights certificate and transaction method of the online fund bidding mechanism. Members apply to the financial institutions for participation in the fund bidding mechanism through the Internet. With membership and give member account and

The cup activity of the team that allows the members to participate in the joint fund (committee) fund competition is based on the funding needs of the members themselves, and the funds of different periods are set up to be λ and easy to combine (12, 24, 36) Period, 6 ... period... groups of ^); members participate in fund bidding activities through communication devices such as telephone, mobile phone, PDA or computer network. The 乂 乂 贝 贝 贝 贶 贶 , , , , , , , , , , , , , , , , 贶 , , , , , 贶 , , , , , 贶 贶 贶 贶 贶 , , , , , , , , , , 贶 , , 贶 贶 , The invention is based on the financial Γ ^ Γ , , , , , , , , , , , , , , , , , , , 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算 计算^ The value of the unsuccessful person in the i-th period is issued to the electronic warrant.

If you don't get the standard, you can get the electronic warrants, you can use the phone, mobile phone, PM or computer network, etc. &# < m eight-turn electronic rights to make the (four) system, to conduct the special and easy to enter or electronic warrants sales system And the system, the online entrants to log in to the electronic warrants and quality system to handle pledge financing to financial institutions. β The invention creates a right certificate t (voucher), which will give birth to the right to transfer the goods, and to sell the goods. The closed form of this invention, not; the aid), the greater the increase in market funds ^通^ and The most mutual 5 200821968 South degree of currency allocation efficiency. [Prior Art] In the private financial poverty system, the Association (the mutual aid society) has been a tool for the majority of the field of technology, although the modern investment and wealth management is constantly innovating, this The long-established investment and wealth management pipeline is still popular among the public.

The mutual aid association has the functions of saving and financing, and it can save the money and can also be a zodiac. It cannot be replaced by the bank. _, in the form of a niche market, it is common in all social sectors. According to the TVBS Poll Center (2 years), the investigation of investment and financial management in Taiwan was conducted by the respondents. The ami (AsiaMa Plus Intelligence) survey agency also conducted a survey on Taiwan's financial behavior in March 2001 and found that it is similar to t (45%) Xiao Dingcun (48%) and second only to stocks and insurance. Breakthrough magazine (July 2, 1st) to advance the consumption of the topic, "first enjoy the post-payment - borrowing money era, for the title of the survey, but also found the advance consumer spending, | often used for credit card recurring interest' Secondly, the standard meeting 'following bank microfinance, credit card pre-borrowing cash' shows that the standard has a broad market. However, the association (mutual aid association) is a small private private lending behavior, lacking the basis of professional group credit reporting, Therefore, in the face of economic downturn and moral hazard, 'no resistance to defense' produces a series of domino effect:: causing serious social problems. The advancement of Internet technology has changed the traditional association (the mutual aid society) 6 200821968 Some people use computers or various communication devices to participate in the website, breaking the bondage of the past mutual aid associations to small areas or small groups. The use of information technology is to solve the problem of distance between members, and still cannot solve the economic problem. The problem of downturn caused by prosperity and moral hazard. ^

At present, the method of 'joint association (mutual aid association) bidding has been approved by the former case overdraft control financing management method, combined with the technology, to provide a system platform 'in the members please' give professional credit, and grant overdraft The second amount is used as the basis for the tea standardization platform. Although the system of overdraft quotas solved the fundamental problem of reversal, it did not move the original appearance of the closure (the mutual aid association). It turns out that the association (mutual aid association) is a closed period formed by a group of people (-weeks, half-months, one month or ') of a specific group (12, 24, 36...) Groups, their use of funds is also very inflexible. When you need money urgently, if you don't have a Zen, you will not only look at the cash assets you pay later, but you will have to pay for the new live meeting. Nowadays, the combination of θ, ^, and private people will be a combination of a group of fixed personnel. The flow is strictly limited. This is a small group that will always stay in the area. It cannot be scientific and logical. The main reason for the circulation and the best allocation of funds. Based on years of practical research, professional research and development, the inventor finally researched the right bidding mechanism for the online bidding mechanism. It can be used as the basis for betting, trading, and transfer, which can greatly improve the online standard: machine communication and marketability. 'The highest allocation efficiency of generating funds has become a full range of new financial products. 7 200821968 SUMMARY OF THE INVENTION As can be seen from the above, when a system provider (or financial institution) provides online mutual aid bidding products, it must further consider the liquidity of the financial product itself to further attract consumer participation and expand market share. . Therefore, the main objectives of the present invention (4) in the provision of online capital bidding mechanism rights certificate and the father easy method '纟 members participate in the bidding group, after the bid opening of the payment, the financial institution official server to calculate the value of the rights derived from the event, including When the deposit of the deposit and the winning standard, that is, the electronic warrants will accumulate the sum of the cash for each period and the winning standard, will be issued to the participating members, electronic rights = (hereinafter referred to as electronic warrants), members can This electronic warrants, through the cough phone, PDA $ computer network and other communication equipment to transfer the trading system, the transfer of the six total nd Qiu Ding transfer and easy to 'or log in electronic warrants sales system, 仃 online sales, or login质 押 》 》 》 》 》 卞 ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ 向 向 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金Force: The value of the living rights of the father group, the member has participated in a pair of warrants, so that when a certain - will be 蛀 # α & ± 曰 的 trading group, based on no specific reason J When the trial ends, it is easy to transfer the electronic warrants to the online bidding or transfer of the scorpion right for evidence collection and exit the bidding group. 0, invested back and realized profit 8 200821968

For members who have financial needs, they can log in to the electronic securities license system through the telephone number, mobile phone, PDA or computer network and other communication devices through the member account and password, and apply for online financing to the issuing financial institution; Conducting a transfer transaction; or logging in to the electronic warrants labeling system to enter the online sales, increasing the availability and liquidity of online joint (mutual aid) products. For those who have obtained membership and have the need for funds to compete, you can first purchase electronic warrants online, and then participate in the joint venture (mutually = 1) competition group bidding activities, with lower standard interest costs. It is a win-win situation for all participants to obtain the bidding of the King of the Kings: Sheli's, and thus can improve the liquidity of such financing products. The main technical means adopted by the method on the Internet for the purpose of achieving the stated purpose is to pre-configure the service server 1 and operate it through the network server. The method includes the green group bidding. η means that the group members are grouped together, and the joint meeting (mutual aid association) bidding is adopted: bidding, in order to obtain the winning funds, the winning standard is: Composition; All-electronic warrants trading means, the value of the rights of the electronic rights-based means is derived, two members = members of the gold (four) structure ^ 'standard members and unqualified members, get two 'according to the transaction group each period of the gold Amount H, the number of periods is two

Wi's pay two for each non-subscribed member (H-W丨), and the foreigner-μ/, τ inner cake does not reduce the amount of money.纟 机构 机构 管理 管理 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 Members hold electronic warrants, which can be issued to electronic warrants, borrowed, and can also be used to carry out online catering, silk, and financial institutions to pledge plaques, and the company will transfer the rights certificate. Line 2 22" official financial institutions assist in the completion of the electronic warrants for the private transfer of both members of the buyer and the seller can be profitable; Lishui members will electronically sell the electronic warrants on-line to the online association (mutual aid) - s 乂, Ate promotes another, electronic rights - Li Gushen's mobility and liquidity. I can hold the electronic 遽 ^ Tian Hao, when there is a demand for funds in the New Year period, I also hold an electronic certificate, and online to the financial institutions to log in to the floating right certificate to borrow six people 3, Qiuqiu. G member online financial institutions review and approve loans, management system, ::-' has pledge loans. When the member who handles the pledge loan:::: The warrant is awarded, the fund obtained by the bid must be repaid to the winner of the loan, and the same as the '%, the remaining T g is buried in the king. The online pledge loan transaction of the righteousness certificate greatly enhanced the convenience of the electronic financing of the association. 5 έ ) Merchants jin 4, online Beijin bidding mechanism rights certificate and transaction is an unprecedented invention, #细易方法' Superscript 隹 mechanism continued to enter the trading mechanism, electronic warrants line financing: Γ 融 机构 质The borrowing mechanism provides members with multiple 4-bike methods. In addition, it allows online syndicates (mutually-assisted...: ί parent-family group, can become short θ's double-market and liquidity. Long-term direct Financial product 'increase 200821968 【Embodiment. The present invention is constructed on a management server and operates on the Internet through a network feed. As described above, the present invention includes at least one bidding means. Newly added electronic warrants trading means, the following are defined as the brother-online bidding trading means and the second electronic warrant trading means, the information platform established on the Internet, the former is the second to establish an online meeting (mutual aid association) The fund-based bidding transaction group, under the management of the system: the management, determines the winning members of each session by bidding, and hunts the gold flow delivery system, and collects the payment from other members. The funds are paid to the winners, so that the standard members can obtain funds, and the unsuccessful bidders can earn interest receivable. For details, please refer to the first figure for the workflow, including the following steps: Recruitment on the line (101) ), the platform provider recruits the financing or arbitrage reserver' and the demander proposes the person's request; the member approves (102), defines the saver (103) and the financier for the participant's intention (profit) And conduct a credit investigation (1G5) on its credit status, and by signing the letter (4), it can sign the contract (106) and become an associate member; establish a trading group (state ^ data (4) survey results, through the credit The reviewer, granting membership, and approving to join the trading group; and setting up different trading groups according to the characteristics of the members for the eligible members to participate; bidding Η (1 () 8), the team members are full, ie Entering the bidding transaction mode' The bidding transaction mode adopts a similar civil union mode, which is bidding by the members of the trading group, and the winning bidder 11 200821968; collection and payment operations (109), gold 'and within the prescribed time limit, Convergence Members of the group will pay the current gold; the poor through profit or financial information platform for members to receive funding for the current period was marked by a Member of the membership bid (201), set to open.

Gold, and end the bid (204), if not, the winner (2〇8). When a bidding project is produced, the member will mark the time and start the bidding (202) by the computer, and then pick up (203), if it is the invalid bid (2〇4), the valid bid (205) will be the highest bid. The above mentioned is the specific workflow of the first bidding method. Through these methods, the online syndicated (mutual aid) fund bidding transaction group can be established. Since the 4 special fathers mode is the most close to the deposit and loan, the interest rate is consistent. Therefore, it is expected to become a hot wealth management commodity in the financial market. However, as mentioned above, for investors who are expecting high liquidity of financial products, the transaction group with fixed session and fixed members will still have insufficient liquidity and liquidity before the end of the session. To this end, the present invention further calculates the value of the rights derived from the transaction group, and the financial institution management server calculates and issues the rights certificate, so that the member's rights value can be truly presented, and the second electronic warrant transaction means is used to increase the poverty. The liquidity and the liquidity of the membership structure; the second electronic warrant trading method, the way in which the electronic warrants are generated, is derived from the value of the rights of the first online competitive trading means, and the specific workflow is shown in the third figure. Including the following steps: 12 200821968 The first online bidding transaction means (class), will participate in the bidding by the club, and will be opened by the computer startup port (302), resulting in the winning members (3〇3) and the unqualified members ^会贝After the financial institution settles and settles, the company obtains the current bidding amount () 'unsuccessful bidding, according to the transaction group's gold medal in each period = the winning bid is Wi, for the unpaid members each period of payment, its ;; inside the Ding Ding payment is (H-Wi), the external signing payment is H. The financial institution management server for the unsuccessful members (coffee), based on the winning standard Wi, the calculation of the husband's swearing gt; θ has been convinced that the servant does not have the right to share the value of the parental combination. Concurrently issued to the electronic warrants (small), if the unlicensed members hold the electronic warrants, they can apply for pledge loans (s) to the financial institutions, or (4) online sales (period), transfer transactions (309), electronic warrants Transfer and other members, and the system: the financial institution of the financial institution to assist in the completion of the electronic transfer of electronic warrants, for both buyers and sellers, can be profitable. For the online sales of electronic warrants, please refer to the fourth figure for the specific workflow. The following steps are included: ▲ The financial institution manages the feeding device to calculate the unclaimed right value, as the subject of the easy The electronic warrants that are held are registered in the sale transaction (4〇) ·· The organization management feed device for the unsuccessful members, according to the number of the already awarded bids, the calculation of the unlicensed member holding transaction portfolio = profit value, issued to the floating right certificate, entered by the electronic warrants, 'sales father easy to log in' enter the electronic warrant number and the lowest bid 1 = period (surgery): by the member holding the electronic warrant Enter the electronic weight and the lowest price and period of the sale; open auction (403): the above-mentioned electronic auction information is established, and the system is open to other members to bid; production 13 200821968 The winner (404) is the highest bidder The target has been awarded to the member within the specified delivery period, and the price will be remitted to the delivery specialist 05) 'The system management system will assist in the completion of the electronic warrant transfer procedures, and will be transferred to the financial member. Complete the settlement and settlement of the electronic warrants.: Call the remittance about the electronic rights certificate transfer transaction, its simple process X Figure 5, the workflow, including the following steps · · ' Specific 1 · When transferring the member, log in to the transfer trading system, press After the transfer to the wide button, there will be a transfer message screen for J to transfer the electronic warrant code ···〇〇〇〇〇 reserve price: 〇〇〇2 • Prohibition of transfer before the business day before the bid opening; 3 • Transfer transaction limit曰Opening time is valid; 4.When the member enters the transfer reserve price, press “Confirm” 吱 “& Cancel 5. When the member presses “OK”, then” button; a• The system “marks” the transfer fund combination ; b• The system transmits the transfer funds combination to the transfer transaction transfer transaction information announcement. The number of the electronic code number of the assignor code shall be received by the standard interest rate. The transfer price shall be transferred to the auction. 6. The open assignee (member) shall bid on the transfer trading platform to view the transfer fund combination information, and select the electronic warrants for the purpose of the request. Press the electronic warrant to accept the auction login button. The transfer message appears 14 200821968 Transferred member code: 〇〇〇 Enter the transfer price: Ο Ο 〇8 · When the member enters the bid price to be accepted, the “confirm” or “cancel button” is pressed when the member is pressed The "Confirm" button will transfer the message 4 to the host computer - ^ check account - ► stop button - return system member stop button message - system return member "complete subscript "insufficient account amount, can not subscript" message. *The amount of the stop is the input purchase price + matching fee _

9. When the price entered by the assignee is equal to or higher than the price of the transferor, the brain immediately combines. ' 丨 丨 only I 丨 π 承 八 I price, then the transfer is less to lower the price 袼 deal. When the price input by the transferee is the same, the priority is entered into the system platform, and the transaction is prioritized. 11 Yi Electronic Equity Transfer Fair M can not cancel the transaction or change the price on the system platform. 12. If the transferred member presses the cancellation transaction, the system will not be sold yet. If the pen is not checked yet, then the system will immediately remove the current zither: Stop 4: If the transaction has been completed, it will be returned to the message that cannot be cancelled. Mussels are easy to complete the knife 13 to change the price 'need to cancel the previous order and magic re-enter the price and re-deduction. Early and dead, 14 · 糸 撮: Winter is 1.格, and priority to enter mΛ loser's price equal to or higher than the transfer 撮 synthetic pay return 1 report 2 to carry out 撮 synthesis 5 report to the confession and tea and bidding transfer 15 200821968 Return to the transaction message: Transaction price: 〇〇 〇 出 让人 ···································· Host database, release the buckle of the staff. ‘,曰 16=At the time of the transaction’ the transferee of the transaction was charged and debited

The amount and the handling fee will be saved to the special account. 17. The transfer transaction system will transfer the electronic warrant rights and the funds will be transferred by the bank's parent brake system to transfer the rights of the transferee to the transferee. Payables, delivery of the transferor 18. The member's credit line of the transaction is increased or decreased in the same amount, and the credit limit of the transferred part is deducted. The transferee increases the credit limit of the transferred part. 19. Transferring the trading system to update the member information Technology 2 3=The first bidding means and the second trading means are specific. The mutual helper's electronic warrants' will break through the line. The variability of θ' shellfish products, thereby increasing the market acceptance of the above-mentioned members to carry out online sales or transfer transactions of electronic warrants to enhance the person's party, ..., mouth's 付 乂 ,, 惓 惓 ^ ^ θ s The liquidity and liquidity of greedy gold bidding products. In addition, the electronic warrants are equity securities. When the members have short, short-lived, or not, they can also be e-certified, and they can log in to the system. For the pledge loan, the work flow of 〆 and Cong is requested to be the first 阅 阅 阅 阅 阅 , , , , , , , , , 阅 阅 阅 阅 阅 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 The financial institution examines and approves the loan (602), and the management system directly accounts for the e-voucher that has been applied for the debit of the loan (deleted). The member of the borrowing party has added six quilts, π Λ 卞 Wang Bei critics a/, easy group At the time of winning the bid (604), the capital obtained by the bid will be returned to the principal of the loan. (βης, 〇二心(605), the remaining amount will be remitted, and the official system will cancel the electronic warrant (bribery) The transaction of the pledge loan on the warrants is convenient. θ entered the online mutual aid society commodity financing. As can be seen from the above, the online capital bidding mechanism rights certificate and the specific technical content will break through the traditional combination = lower and Closed two: The meeting (mutual aid association) has become a scientific and logical effect to make the online financial bidding mechanism of the invention right in the right side:, content, with at least the following advantages in the design: the specific technology of the easy method 1 online online gold bidding mechanism rights certificate And step by step, to solve the traditional association (the mutual method has a short, low liquidity, closed second question ":: 偈 is limited to the number of sessions, _ members extend outward, new members are transferred by the second member The electronic warrants are withdrawn from the group-integrated (mutual aid)-type commodity closed form., and the big dog is broken. 2. The online fund bidding mechanism rights are increased from the common short-term to the medium, ^ and the easy method during the transaction. To meet the needs of all member lines 17 200821968 financing, expand its marketability. 3 pairs of ^ and 3 'members to obtain electronic warrants, online sales, transfer transactions 'free entry or exit online associations; Ding Biao funds bidding transactions Group, electronic rights &

_ ^ In addition to accumulating the maturity R of the maternal period to earn the standard interest rate, and adding value by period, Meng Meng and ^ D Yi Bu can also freely transfer the warrants to Zhengxian Yunbei, and its liquidity is still Meet all the franchises. Meeting on direct financial commodity trading

軚 軚 杻 杻 杻 及 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融 金融Moreover, due to the unprecedented electronic warrants and stipulations (there are easy ways to make money as the subject matter)

The meeting (mutual aid association) transaction level A 〇 becomes a monetary market with novelty, progress and practicality. Ί Ί ’ 本 本 本 本 本 ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ 18 200821968 [Simplified description of the drawings] The first figure is a working flow chart of the first bidding means of the present invention. The second figure is a flow chart of the bidding method of the first bidding means of the present invention. The third figure is a flow chart for generating an electronic warrant by the first bidding means of the present invention. The fourth figure is a working flow chart of the means for selling electronic warrants of the present invention. The fifth figure is a flow chart of the method for transferring electronic warrants of the present invention. Figure 6 is a flow chart of the work of the electronic warrants pledge means of the present invention. [Main component symbol description] None 19

Claims (1)

200821968 X. The scope of application for patents: 1 · The online capital bidding mechanism rights certificate and trading method are provided by members of the online syndicate (mutual aid association) fund bidding combination, participating in the bidding of each period, when the members win the bid, they can obtain When the standard is not obtained, the financial institution management server calculates the entitlement value of the bidding combination of the unwinned member and sends the electronic warrant. The unlicensed member follows the electronic warrant and conducts the financial according to the individual needs. The trading methods include: • An electronic warrants trading method, the unlicensed members can use the electronic warrants, such as telephones, mobile phones, PDAs or computer networks, to log in to the electronic warrants system and apply to financial institutions. The pledge loan, the pledge loan procedure is completed on the system platform, and the electronic warrant pledge setting procedure is completed on the system platform, and the account system allocates funds to the qualified members; an electronic warrant transfer transaction means, the unlicensed members rely on the electronic warrants, Online fund bidding mechanism rights certificate and trading method, login to electronic warrant transfer transaction system For the electronic warrant transfer transaction, the transfer transaction • platform module functions include: one member login check when the member conditions; one enter the transfer transaction conditions; one electronic warrant check and announcement; one transfer member bid input; Member condition check; one match; one transaction return; 20 200821968 A clear account settlement process; ^ One system data update - electronic warrants trading means, ~ certificate, through the online capital bidding mechanism rights certificate 2 3 Bayi This electronic rights warrants labeling system allows qualified members to compete with each other, and people are easy to use, and access to electricity 2 · As stated in the scope of application for patents, line: the winner of the production of human rights; bidding combination, bidding means includes The following steps - (mutual aid association) - membership recruitment means, for users to propose plus - dynamic credit investigation means, for / Beshen μ, check; (three) Bayers for credit adjustment, a member verification method, according to the member's nuclear Can be a member to join the application; " a result, the decision is a member approval means, according to the recruitment of personnel; Join the meeting of the financing group to establish a means, 粝搪 ^ f ^ Bay's characteristics to set up a different phase of the integration of the team, for the matching member table, >, the group members in full, that is, enter the financing transaction mode; 'One net gold negative father easy means, by Jing Jing Consulting|, by the members of the Yangsuibei team bidding, the winning bidder obtains the funds paid by the members of the group in the current period. * ^Retracting operation means, Jingjing, The state fires the appropriate method to collect the current funds from the members, and remit the current funds to the winning members within the prescribed time limit. ... 3 · If you apply for the online mutual aid fund bidding combination as described in items 1 to 2 of the patent application scope, the bidding method is as follows: Member participates in the bidding; 21 200821968 Sets the bid opening time and starts the bid opening by the computer; Time; Confirm the valid bid of the member's bid; Determine whether the bidding member has exceeded the overdraft limit approved by the system, and if it is deemed to be invalid, the winner will be the winner. 4. If you want to use the online symposium (mutual aid association) m-type bidding combination trading method mentioned in item 3 of the patent scope, the highest bidding price will be immediately transmitted to: Established risk official system center for risk control. /,, 1 1 by Π: the scope of the patent scope mentioned in the first paragraph of the second party (mutual aid) type of bidding combination bidding trading means of the following specific work flow, please refer to the third figure, including the following Step · · The first online competitive bidding method of the mouth, by the Kai-Sui 庐尨 贝 贝 贝 与 与 与 与 与 与 与 与 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观 观After the financial institution pays 2: 2 has not obtained the standard, and points and receives the current amount of the bid, · Mubei Yiyi Yi group each _ & the standard label is Wi to γA / _ gold amount Η, The number of periods is i, and the members who have not passed the bid are (H_W,·), and the foreigners-&^pay# people, whose 1ί7 is marked as “not paid” (H + w, the device is not available) The target team,). The financial institution management servo 曰 only based on the already humiliated AA «丄Wi, calculate the number of periods without the standard V, the standard gold warrants that have been awarded; θ Bay holds the right value of the parent-easy combination, Concurrently, the unqualified members hold the electronic warrants, and the online financial institutions handle the pledge ^. The warrants are transferred to the system or electronic rights (3)^, and you can also log in to the electronic warrants and know the sellers. The face will transfer the electronic warrants to other authorized members of the Department of Warlord 22 200821968 for online sales or transfer transactions. As mentioned in item 1 of the scope of application for patents, the electronic warrant transfer transaction means includes the following steps: · After the financial institution opens the bid in each period, the financial institution management server calculates and verifies the current electronic warrants of the unqualified members, and the members hold the electronic warrants. You can make an online transfer; log in to the transfer transaction system; enter the transfer transaction conditions; enter the transfer transaction system for the member; enter the transfer transaction condition; transfer the parent easy system for the transferor and the transferee; the transferee price equals or Higher than the seller's price, 撮 交 ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; The electronic warrants are sold and sold, and the steps of the bidding method are as follows: Trading system; Enter the selling price and the selling period; The selling system reveals the basic information and selling conditions of the electronic warrants; The member turns into the bidding price; The expiration system expires the bidding bid; 23 200821968 Determine whether any members participate in the bidding Confirm the valid bid of the member bid; the amount of the deduction bid; the winner; the transfer of funds and the transfer of the electronic warrants to complete the settlement; the system information is updated. _ & 8. The patent scope is 7 The electronic warrants are sold at the intersection of the items, and the highest bidder is the winner. If there are two (or ==) identical bids, the system time is used as the basis for judging the first input. 9. The electronic warrants trader, as described in the scope of the patent application, is online. The pledge loan includes the following steps: the member online login electronic credit certificate loan transaction; the financial institution examines the approved loan; the processing system will note that the electronic warrant has been pledge loan; when the pledge loan member participates in the transaction group 2; repay pledge The principal and interest of the loan; the remaining amount is remitted to the winner; and the management system cancels the electronic warrant. twenty four