TW200844891A - Method and system for constructing an online direct financial loan trading platform - Google Patents

Abstract

This invention relates to a method and a system for constructing an online direct financial loan trading platform, which are used in a direct financial electronic business. It is a direct financial loan trading mechanism in which the direct financial loan trading platform is performed on an internet. A group of depositors and borrower are assembled on the trading platform through internet. During a specific period through a bidding process, one or more combinations of the members are created, wherein each combination comprises a money-borrowing member who meets the bidding conditions set by the administration server and a group of money-depositing members who provide money for earning interests. The online direct financial loan trading platform in this invention enables a plurality of money-depositors or money-borrowers to register on at least one administration server through network and perform the online bidding trade via the administration server of the network. The administration server can connect with the members or financial accounting system and credit audit system through a communication network, a wired communication device or a wireless communication device to exchange information in real time safely and to store at least one of the loan combination information in a database. The online direct financial loan trading mechanism in this invention is capable of creating vast opportunities rapidly for lenders and borrowers to meet so as to achieve an efficient goal of fast, safe, and low-cost capital transfer. It will effectively solve the problems of the present direct financial associated merchandise in which an integrated financing is not easy, i.e. the problem in which each financing member must hand in their funds before their tender is still not accepted.

Description

200844891 IX. Description of the invention: [Technical field of invention] The present invention is a method and system for constructing a direct online financial lending transaction platform for direct financial e-commerce; a direct financial lending transaction mechanism; Provide a direct financial lending trading platform on the Internet to bring together a group of savers and financiers. During a certain period of time, through the bidding process, one or more financier members who meet the bidding conditions set by the management server and a group of funds provide a combination of the saver members who earn the target interest. ^ The online direct financial lending transaction platform mechanism of the present invention enables a plurality of savers or financiers to log in through the network and at least one management server, and conducts an online bidding transaction through a management server of the website, the management server The instant communication can be exchanged by the communication network, the wired communication device, the wireless communication device and the member or the financial accounting system and the credit review system, and at least one loan transaction combination information is stored in at least one database. [Prior Art] Direct financial commodity associations have been circulating for a long time. Because the association has the functions of saving and financing, it can meet the needs of investment and wealth management. Therefore, although modern investment and financial management tools continue to be innovated, financial institutions are everywhere. Lin 4 200844891 Liren Mutual Aid is still popular among the public. It is common in all walks of life...: and the popular folk unions still have to enter the light and muscle according to the agreed time and place. If you don't win the bid, you still need to bid again in the next period. If you have the capital needs, you still have to bid at the appointed time. You can live with the assets of the mutual aid club, but you can't get the required funds. ... The advancement of Internet technology has changed the way traditional clubs meet. Qiaomei International Network Co., Ltd. passed the “Overdraft Control Financing Management Method” and passed the audit of the Intellectual Property Office in 2002 to obtain the first six of the invention case. Patent No. 246. The concept of computerizing traditional mutual aid computers and the overdraft of financial institutions, (4) in the past will be limited to the constraints of small areas or small groups. Although the company leads the bank to collect credit information, it uses the overdraft method to control risks. Chen Jie filed a patent application on February 12, 2001 with the "Internet Security Standard Method and System/, and obtained the patent on April 21, 2005.

The method is to use a standard website to approve the A 宵 粘 粘 粘 已 已 注册 注册 注册 注册 注册 注册 注册 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 粘 输入 输入Betong closed the code and entered the website of the dance and reverse bidding website. For each meeting list, the items listed in the meeting include: the name, address, telephone number, and email address of each foot, the type and basic amount of the payment, the date of the meeting, the date of each meeting,椤舍v will be method, out; ^ Amount agreement, Bid time agreement, payment flow line agreement, ^ ^ ^ . . . The gold flow mechanism used for the footnotes, the deadline for the meeting to pay the meeting, the meeting will be Has not overpaid the payment of the website of the exhibition site or has other reasons; ^ I _ μ plus ▼ "The items listed in the meeting will be edited if there is no detailed law, the right to fight will be in Chinese civil law debt 5 200844891 The laws and regulations listed in the association are based on the listed laws and the system is a system of Chinese people's legal debts. Both the Wenwang private meeting method and the aforementioned patent case have the same characteristics, which follow the past trading methods, and the network of the meeting that is seen in the deposit, which is determined by the difference between the group and the person who has no meeting. Certain Dong-day γ, a), a certain amount of L 疋 J (usually the amount of money formed by the formation of the bid is not flexible, generally universal for the thumb to use + Babeijin and must wait until next month to participate When bidding for a child's heart, it is necessary to look at the titanium, and the waiter is full of uncertainty. Because the above search case is a direct financial combination / feature, so-called deposit and loan... Shangyi has a deposit-body system with a member who has a saver Double-angle with the financier - color, for example, the user in the club-style fork is "the merchant M is in the transaction, the member of the combination is the financier, ^ is 'just, its role is the depositor; that is, the winner can get Funds, before the standard has been awarded, must pay the amount of each period. & deposit-loan characteristics, there is a problem of financing is not easy, for those who have immediate demand for financing, if not won the bid, not only can not meet the financing If you need to be long, you have to pay the pen to pay for the meeting; in other words, For those who have immediate funding needs, there is a risk that they will not be able to save money. Similarly, for the saver, there may be no bidding due to the combination of the contract, and the computer will be selected as the winner. (Financing). Therefore, 'how to propose a new online direct financial lending trading platform for the above problems has long been the user’s eager hope and the inventor’s mind, and the inventor is based on He has been engaged in research, development and sales experience in direct financial products for many years. He is thinking about the concept of reform and innovation. He has finally developed a method of knowledge-based research. Can solve the above: title. The kind is online direct financial borrowing transaction flat [invention content] From the above, we can see that the current financial industry's feasible e-finance has many shortcomings to overcome the business still and Yin Fuqiu, a real It is possible to play the Internet Internet and the [big online financial exchange county ancient method, which is extremely urgent to be developed and expected. Therefore, the present invention mainly• Capital, (4) 吟,,... A mechanism that can effectively improve the efficiency of online financing, blocking livestock efficiency and financial management efficiency, and can effectively solve the current financing of the direct financial association-type commodity deposit and lending; The problem of mussels is not easy. The so-called deposit T-system means that members have the dual roles of the depositor and the financier. For example, the member of the transaction portfolio is the financier, and the role is the depositor. That is, the winner can obtain the funds, and has not yet been awarded the “Do not pay the amount payable for each period. For financiers with immediate capital needs, there is a risk that there is no standard but also to save money; similarly, savings The person may also be drawn as the winner (financier) because the transaction portfolio is untargeted. The purpose of the present invention is to improve the efficiency of fund allocation, separate the financier member from the saver member, and solve the existing direct financial association. The problem of the integration of goods and deposits, that is, if the financier does not win the bid, it does not need to change the status of the saver; similarly, the saver will not suddenly change the role of his savings. · The present invention is a method and system for constructing an online direct financial lending transaction platform, which is used for direct financial e-commerce; a direct lending transaction mechanism of 200844891; that is, providing a direct financial lending to the Internet The platform 'collects a group of savers and financiers together. During a certain period of time, through the bidding process, one or more financier members who meet the bidding conditions set by the management server and a group of funds provide a combination of the saver members who earn the coupons, in other words, one or more The financier winning member and a group of saver members are combined into a loan transaction portfolio. The saver member does not need to participate in the bidding. The financier member logs in to participate in the bidding, and the bidder process generates one or more successful bidders who meet the set conditions. There is no need to pay any money if you do not get the mark. After each bid opening, each saver member of the portfolio pays the amount due to the winner of the bidder, and the winner of the bidder begins to repay the saver member of the portfolio in a proportional installment. The online direct financial lending transaction platform mechanism of the present invention can enable a plurality of savers or financiers to log in with at least one management server through the network and conduct online bidding transactions through a management server of the website, the management server An instant security parent exchange message can be made by connecting a communication network, a wired communication device, a wireless communication device to the club or the financial accounting system and the credit review system, and storing at least one loan transaction portfolio information in at least one monument The direct financial lending transaction mechanism of the present invention in the library can quickly and effectively create a machine that is incompatible with the borrower and the borrower, and has the problem of solving the problem that the existing direct 3 5 meeting merchants are not easy to finance. The T-shares need to practice the remittance payment before they have obtained the bid, effectively provide convenient, accurate and safe real-time bidding transactions and clearing the delivery environment, and improve the efficiency of the line savings and the effectiveness of financial management. In order to achieve the above objectives, the main technical means of 8 200844891 is adopted. The method includes the following steps: A financier applies to join the direct financial lending transaction platform for credit review steps: this step refers to the online application of the financier, fill in the application and attach relevant The certification document, the management server will send the applicant information to the credit review system for credit review. If the financier meets the credit review conditions, the approval limit and the validity period will be approved, and the management server will be returned. The server notifies the client of the result of the audit; s a financier completes the application to join the direct financial lending transaction platform step · This step refers to the receipt of the credit review approval notice by the financier, the online signing of the insurance, and the opening of the financial transaction account. Manage the server login password garbled operation, generate a set of user code and password transmission delivery financier member 'Financing Member login change user code and password, complete the financing applicant to apply for joining operation; One saver completes the application to join direct financial lending Trading platform steps · This step refers to the storage Apply online to join, fill in the application documents, manage the server online for qualification review, if approved by the qualification, open a financial account online, the management server login password garbled operation, generate a set of user code and password transmission Delivery member, saver member login change user code and password, complete saver application to join the operation; member login security control step · · This step refers to the approved member login transaction website, member input member number, user code, Make the password, manage the server to check the member information, check the correct information before entering the trading platform website, complete the member login; a saver member participates in the loan transaction combination step: this step refers to the direct financial lending transaction on line 9 200844891 Platform ☆ P1* Uncle & Dietary Device Set up a number of transactions and amount of transactions for the members according to the needs of the members, ., Easy combination 'for members to choose to participate, savers Du Yi, and Hehe' input lending The number of units and the number of ^ ^ 糸 进行 进行 exchange information, query the storage of the keeper Check if the balance on the member ^ p is sufficient, if the account balance is insufficient, then notify the member that the financial account bundle has insufficient balance and not complete the login. If the account is = enough, then the account funds are circled and the transaction portfolio is established.

= The number of animal members is not up to the loan U combination before the conditions can be deleted, modify the operation, the deadline for the number of savers or savers ί out of the amount of money is not expected to set up money, then Continue to promote the participation in the 'dead deadline', whether it is up to the loan transaction portfolio setting conditions, if the loan and loan transaction portfolio is set, the loan transaction portfolio is set up and waiting for the bid opening. If the loan portfolio is not set, it will be automatically removed and the savings will be released. The member account account funds are stored; t a financier member participates in the loan transaction portfolio bidding step: this step is the management server of the online direct financial lending transaction platform, which sets up a transaction combination of different periods and amounts according to the needs of the members. Members choose to participate; the members of the Blizzard choose the lending transaction portfolio to enter, enter the bidding conditions; the axis y queries the financier member credit limit, the online direct financial lending trading platform management server checks the member available quota and the expiration date, if If the condition is not met, the member's credit limit is not enough to complete the login, if the condition is met, then The line credit line is temporarily detained and waiting for the transaction portfolio to be established. Before the deadline for the number of financiers, the number of financiers can be deleted or modified. The number of financiers will be set according to the management servo 200844891. Or one person ui eight or more) or the financier enters the conditions for setting up the competition trading combination, and then continue to promote the participation. If the loan is up to the loan, the parental combination is set, and if the person is 'a piece, then the loan transaction is 忐* enough &; Parent easy to set the bar, and σ is set to wait for the opening of the bid, if the set conditions are not met, then automatically 3 贷 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 The trading platform is open for bidding before the deadline for bidding. For the purpose of this, the company will enter the bidding list. The bidder will stop all private bidding. The management server checks the input of the standard information, and the management server of the online lending and trading platform performs the borrowing transaction combination. Bidding conditions are correct alignment, and determine the time and the gold standard. If the membership and bidding conditions* meet or the bidding number exceeds the range set by the management server, the invalid bid will be displayed and the invalid bid will be removed. If the membership and bidding conditions are consistent and the bid is in accordance with the management server settings Scope and conditions', the member's input of the standard is recognized as a valid standard, up to the opening time set by the borrowing father's easy combination, the management server online bid opening to generate the winner, publish and notify the winning result, management server Sending the saver member's winning result and paying the bid, the management server sends the winning bidder's winning result and the due amount, and the management server adjusts the available quota. Other unfunded financiers, the original debit credit line Reply, the management server cancels the temporary deduction and responds to complete the bid opening operation; the settlement and delivery steps of the winning member's dues: This step refers to the management server of the online direct financial lending trading platform after the opening of the bid, online 11 200844891 The management server of the direct financial lending trading platform sends a notice of the payment of the payment to the saver member, The server is crying. ^ Lu Lihe is connected to the financial accounting system to exchange information in real time. The financial system will perform batch deductions.

The delivery of the member will be remitted to the lending transaction platform, and the financial accounting system will perform the batch deduction, and then return the (four) server execution results, and manage the ship to update the current account information of the member's account database for delivery settlement. The successful bidder shall receive the payment of the standard member financial account to complete the settlement and delivery operations; the settlement and delivery steps of the beneficiary funds: this step refers to the management of the online direct financial lending trading platform. The winning bidder sends a notice of the payment of the payment, and the financier member remits the payment of each period to the delivery transaction platform of the loan transaction platform, manages the server and the financial accounting system, exchanges the information in real time, and updates the member's account. The database, contingent liabilities "balance" for overdue payment of members overdue payment notice, the system platform to initiate performance guarantees to make advances, remittance of the loan trading platform delivery account, the delivery of clearing calculations, the allocation of funds, will The saver member should receive the money to remit the depositor member financial account to complete the settlement and delivery operations; a member credit limit control step : This step means that the credit review system conducts a credit review of the financiers who apply online, and returns the audit results to the management server. The financier members are approved by the credit review, and the management server gives the member credit limit. The management server remits the member credit limit data into the member credit limit management database. When the member credit limit changes, the management server updates the member credit limit data, and the management server dynamically monitors according to the use situation of the financier member credit limit, and According to the parameter setting conditions of the management server, the quota review, the member credit limit review result, 12 200844891 If an abnormality occurs, the member credit limit or the member credit limit is lowered, and if the usage is normal, the member credit limit is automatically extended or The invention relates to a system for constructing an online direct financial lending transaction platform, the system has a management server, and the management server communicates with the Internet, a wired communication device, a wireless communication device, or a regional network. Financial accounting system and levy #audit system The financial accounting system executes the instructions for managing the server transmission, and the execution result is reported to the management server. The credit review system performs the credit and credit limit review for the financiers who apply online, and returns the audit results. Manage the server. Members who pass the qualification review can log in to the online direct financial lending trading platform system with the member number, user code and user password to participate in the lending transaction portfolio, financing or saving... and manage the server. An online connection is also provided for members to connect with devices such as computers, mobile phones, PDAs, etc. The online direct financial lending transaction platform system further includes five databases: a member management database for storing via the management server. Information obtained by exchanging information with the member; including member management basic information, member password management information, member transaction record management data, etc., the platform is controlled by the member as the member login; member transaction management database for storing Various lending transaction groups established by the management server The combined information, including the amount of the loan, the meeting period, the bottom label and other various loan transaction portfolio parameters, member bidding information, bid opening information, clearing and distribution information, etc.; 〃 13 200844891 Member Account Management Database 'for storing the management food service The information of the bidding transaction settlement and settlement of the bidding transaction, including the credit loan, contingent liability, fee income, delay calculation, etc. generated by the member; the member ^ quota management database 'for storing the management server and The credit review system links information for exchange of information, including financing quota management information, quota automatic response data, quota extension, adjustment and freeze management, etc.

C 交易 Trading platform management database, used for trading platform operation and control, including statistics on the number of members and lending transaction portfolios, administrator rights, new user rights data, maintenance and inquiries...etc. The management server can use the communication network, the wired communication device, the wireless communication device to connect with the member or the financial accounting system and the credit review system to make an instant secure exchange message, and link with at least the database to The messages and results are stored in the respective database. The above-mentioned method of direct online financial lending and trading platform can effectively solve the problem that existing direct financial merging-type goods are not easy to borrow, and the merging goods have the characteristics of deposit and lending, and the financiers have not yet won the bid. The color is the depositor; (4) If the bid is not obtained, the first payment must be made to pay the amount payable in each period. In other words, if there are a large number of financiers with strong capital requirements in the trading portfolio, only one secret person (financier) will be generated in each period, which will limit the financier's demand for funds. y In view of this, the present invention breaks the characteristics of deposit and lending, and separates the store from the financier; Together, in 200844891 or more eligible funds are provided for a specific period, through the bidding process, a combination of the financier of the bidding conditions set by the server and the saver member who earns the bid is generated. [Embodiment] The present invention relates to a direct online financial lending transaction method, which is connected by a management server through an internet and a financial account or a credit review system, and manages the server at the same time. Provide a specific network = a computer for unspecified users to connect with it. Unspecified user qualifications are approved for membership, or are not intended to apply for membership:: Users, etc. The Netherlands allows the savers to apply for membership without having to go through the credit review system and can only be admitted if they meet the eligibility criteria of the participants. Investing in the basic credit investigations and assigning a := according to the member's financing needs, the credit limit is the risk that the member can lend to the member when the member participates in the bidding. =Finance &-Architecture Online Direct Financial Lending Trading Platform = This method is used to structure the online direct financial lending trading platform; the member number, user code and user I code can be entered online through the member The direct financial lending trading platform includes the following steps: The application for the direct financial lending transaction platform is reviewed. Step 15 200844891, a financier completes the application to join the direct financial lending trading platform step, and a saver completes the application to join the direct financial lending Trading platform steps, a member login security control step, a saver member participating in the loan transaction combination step, a financier member participating in the loan transaction combination bidding step, a direct financial lending transaction platform for bid opening steps, and a winning member payable After the delivery and delivery steps, the settlement and delivery steps for a member's dues, and a member credit limit control step. The invention provides an online direct financial lending transaction platform system, which comprises a management server capable of linking a member and a financial account department (and a credit review system), the management server further comprising a member information management database, Member transaction management database, _ _ _ account management database, a member credit management database, a member of the parent platform management database. At least one of the management server and can use the communication network, wired communication devices, wireless The communication device makes an instant and secure exchange of information with the member or financial accounting system and the credit review system, and connects with at least one database to store the data, messages and results in the associated database. Invented the online direct financial lending trading platform implementation method, research shown in Figure 1: First, the applicants to join the financing of the credit review (101) · Financing online fill in the application and attach relevant information for the t-review, the financier Complete the application to join (1 〇 2) ·· Sign up for the insurance through the credit review, and open financial transactions The household, and complete the change password operation, the saver completes the application to join (1 〇 3) · The saver online application to fill in the application, documents, after the qualification, open a financial account, and complete the change of the weight operation, member login security Control (104): After entering the member ID user code and user password, the member can enter the online direct financial lending trading platform for trading through the platform security control 16 200844891 audit, and the saver member participates in the loan transaction portfolio (105). ): The management server of the online direct financial lending trading platform establishes a variety of trading combinations to provide depositor members to join, and the trading portfolio meets the conditions set by the online direct financial lending trading platform, that is, the lending transaction portfolio is established, and the saver member waits for the opening of the bid. The financier member participates in the loan transaction portfolio bidding (106): the financier member chooses to join the loan transaction portfolio, participates in the bidding, and after the conditions and conditions of the transaction group are set, waiting for the bid opening, the management of the online direct financial lending trading platform ( Server open for bidding (107): Manage server checkmark , to produce the winner and publish the results of the bid, the settlement and delivery of the winning members (1〇8): The management server sends a notice of the payment to the saver member and transmits the information to the financial exchange. The accounting system performs the batch deduction operation, and remits the amount due to the winning member to the financial account of the winning member, and the settlement and delivery of the member's due amount (109): the management server sends the due amount to the pre-existing member. The payment message informs that after the financing member remits the payable amount to the delivery account, the IP carries out the father's clearing of the nose, and the depositor member's due money is remitted to the saver member financial account, and the member credit limit is controlled (no): When the member credit limit changes, the management server updates the member credit limit data, and dynamically monitors, reviews the credit limit, and adjusts the credit limit of the member. A. Figure 1 is a method for the financier of the invention to apply for the direct financial lending transaction platform. For the implementation of the letter review, please refer to Figure 2: The financier applies to join, fill in the application form online and attach relevant supporting documents (2〇1): fill in the customer's online application And the relevant supporting documents are attached for reference in the credit review. The applicants have stated that the members agree to conduct customer credit inquiry 17 200844891 for business needs. The management server transmits the applicant information to the credit review system (2〇 2) The credit review system conducts a credit review (203), whether the credit check results are qualified (204), and the silk meets the credit review conditions, and the qualifications are not eligible for refusal (205). If the credit review conditions are met, Then, the credit limit and the expiration date are approved (206), and the credit review system returns the management server review result (207), and the management server notifies the client of the audit result (2〇8). Figure 3 is an implementation method for the financing financier of the invention to apply for joining the direct financial lending transaction platform. Please refer to Figure 3: the financing reviewer receives the credit review approval notice (301) and the online contract signing insurance (3〇2). Open a financial transaction account (303), manage the server login password garbled job (304), manage the server login password setting operation, generate a set of user codes and passwords; transmit the delivery financier member user code and password letter ( 305), the financier member login changes the user code and password (3〇6), the financier member to the direct financial lending trading platform website, click “new member to join”, confirm the membership terms and change the user code and password. Complete the financier application to join the assignment (307). Figure 4 is an implementation method of the inventor of the invention to apply for joining the direct financial lending transaction platform. Please refer to Figure 4: The saver applies online, fills in the application documents (401), and conducts online qualification review (4〇2). If the audit fails, the qualification does not meet the refusal to join (4 〇 3). If approved, the financial account is opened online (404), and the management server login password is garbled (405): Manage server login password setting Homework, generate _ group user code and password, transfer and deliver member user code and password (406), saver member login change user code and password (407), 18 200844891 Saver member to direct financial lending platform Click “New Member Join” to confirm the membership terms and change the user code and password, and complete the saver application to join the operation ( 408). Figure 5 is a method for implementing the member's login security control. Please refer to Figure 5: Approved member login transaction website (501): The member who passed the qualification review will obtain the user code and user password letter. Enter the member number, user code, user password (5〇2)··Self-network, click “Member Login” on the home page, enter the member number, user code, user password, and click “OK Login”. If you are logging in for the first time, click on the “New Member Join” page, enter the member number, enable code and enable password. After successful login, confirm the member's basic information and agree to the member's terms of service, and change the user code and password. The management server of the online direct financial lending trading platform checks the member information (503), and the check data is correct before the member enters the online direct financial lending trading platform website, and the member completes the login (505). If the check data is wrong, it is judged whether the continuous error reaches n times (504). If the continuous error does not reach n times, the member will be required to return to the password input block to re-enter. If the continuous error reaches n times, the management server will control the member password data, and ask the member to contact the service center to apply for reactivation (506). Figure 6 is a description of the implementation of the lending transaction portfolio of the inventor of the invention. Please refer to Figure 6: The management of the online direct financial lending trading platform establishes a trading combination of different periods and amounts according to the needs of members. Choose to participate in the 'Loaner Member's Choice of Loan Transaction Portfolio (601)' Enter the number of crediting units and conditions (6〇2), and the management server will exchange information with the financial accounting system for the 2008/08891, and query the saver member account ( 603) After the saver member logs in, the management server checks the saver membership, connects to the financial account system to query the saver member account, and checks whether the balance on the member's account is sufficient (6〇4): check the saver Whether the balance of the member account is sufficient to pay the amount of the loaned unit and the handling fee. If the account balance is insufficient, the member's financial account balance is insufficient to complete the login (6〇5). If the account balance is sufficient, the account fund is circled and the transaction combination is awaited. Established (606): Before the number of saver members has reached the set of conditions for the loan transaction portfolio, (can be deleted) Modify the operation, before the deadline, the number of savers or the number of savers of the saver does not reach the conditions set by the loan transaction portfolio, and then continue to promote participation, if the deadline, whether to reach the loan transaction portfolio set conditions (6 〇7) If the loan and loan transaction portfolio is set, the loan transaction portfolio is set up to wait for the bid opening (608). If the loan transaction portfolio setting condition is not met, it is automatically removed and the depositor member account funds are released. A financing financier member participates in the bidding transaction portfolio bidding implementation method, please refer to Figure 7. The online direct financial lending trading platform ^ Management server sets up a trading combination of different periods and amounts according to the needs of members for members to choose. Participation, the financier member chooses the loan transaction portfolio to be joined (701) 'Enter bid condition (702), manage server 杳, financier member credit limit (703): After the financier member logs in, manage the feeder to conduct financing Member qualification check, the management server of the online direct financial lending trading platform checks the available quota of members and Validity period (7〇4): Check whether the financing line of the financier member is within the valid period, and check whether the balance of the credit line that the financier member can use to finance is sufficient. If the conditions are not met, 20 200844891 informs the member that the credit line is insufficient. If the registration is not completed ( 705), if the conditions are met, the h is temporarily deducted and waiting for the transaction combination to be established (7〇6): the deletion and modification can be performed before the number of the financier members is less than the loan transaction combination setting conditions. Before the deadline, the number of financiers (based on the management server for one or more people) or the financing bidding conditions are not up to the conditions set by the loan transaction portfolio, then continue to promote participation, if the deadline, whether to reach the loan transaction portfolio Set the condition (707). If the loan and loan transaction combination is set, the loan transaction portfolio will be established and wait for the bid opening (7〇8). If the loan transaction portfolio is not set, it will be automatically removed and the financing member's credit limit will be released. And reply. Figure 8 is a direct financial lending trading platform for the opening of the invention. Please refer to Figure 8: Before the deadline for bidding, the financier of the lending transaction portfolio enters the bid and submits the bid (8〇1). When the time expires, the management server will stop all bidding standard registration, the management server checks the input standard information (802), and the management server of the online direct financial lending trading platform conducts the loan transaction portfolio membership and bidding conditions comparison. And judge whether the time and the bid amount are correct. If the membership and bidding conditions are not met or the bid amount exceeds the range set by the management server, the invalid bid (803) is displayed, and the invalid bid is removed, if the membership and If the bidding conditions are consistent and the bid is in accordance with the scope and conditions set by the management server, the bid input by the member is confirmed as a valid standard (8〇4), and the bidding time set by the loan transaction portfolio is set, and the server line is managed. The bid opening produces the winner (805): the management server performs the bidding match, selects the winner, publicizes and notifies the winning result (806) The management server sends the saver member to the standard 21 200844891 η υ 及 及 及 及 ( ( ( ( ( ( ( ( 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 And the amount of interest received, the management server sends the winning bidder's winning result and the due amount (8〇8): Notifying the winning bidding combination code and the total amount of funds that can be delivered, the fees payable, the total amount of the bid, the period The amount and the amount payable in each future period, and the management server adjustment can still use the quota (810): the amount deducted by the financier member when winning the bid will be refunded in batches when the amount payable in each period. The unfinished financier member (809), the original temporary credit limit reply (8 (1): the management server cancels the temporary deduction and responds, completes the bid opening operation (812). Figure IX is a winning bid for the invention. For the settlement and delivery implementation method, please refer to Figure 9: After the management server of the online direct financial lending trading platform is opened, the management server of the online direct financial lending trading platform issues to the saver member. Send the payment notice message (9〇1), manage the server and the financial accounting system to connect, and exchange the information in real time. The financial accounting system performs the batch deduction operation to transfer the member's payment to the loan transaction platform. Household (902): Each-salary member account will perform a second deduction operation... The deduction for the amount due, and the return of the payment for the deduction of the financial accounting system after the batch deduction. The execution result of the management server of the eloquence management server, the server will update the current payment information of the member's account database (9), and the parental clearing will be the winner of the payment, and the member of the financial account of the bidder member (%) 904), complete the settlement and delivery operations. Figure: Department - the implementation of the settlement and delivery of the members of the invention, please refer to Figure 10 · Online direct 4 funeral 14 loan trading platform management 22 200844891 feeding machine Notice of the payment of the payment due in the previous period (1〇〇1), the financier member will remit the payment of each period to the loan transaction platform delivery account (1002), manage the server and financial accounting system Link, carry out instant security Full exchange of information, update of the member's account database, contingent liabilities, balance (1〇〇3), overdue payment notice for overdue members, system platform to start performance guarantees for advances, remittance loans Trading platform delivery account (1〇〇4) · When the financier member is overdue, the system operator will “contain a liability, and the balance f will be converted into a credit loan, requiring the financier member to repay or collect the financing member. Assignment, delivery settlement calculation calculation allocation operation (1〇〇5): The loan transaction platform management server notifies the financial accounting system according to the distribution result, and remits the depositor member's due money to the saver member financial account (1〇〇6 ): The financial accounting system transfers the funds due from the members to the depositor's member account from the "debit of the loan trading platform" to complete the settlement and delivery operations. The method for calculating the balance of the credit line of the financier member financing is the credit rating system. After the member has passed the basic credit investigation, the management server assigns a credit line according to the financing demand of the member, and the credit line is the financier. When a member participates in a bid, the maximum amount that can be lent by the operator is the risk of the member's posting. The financier member will use the quota when the bid is obtained. The management server will deduct the credit line of the available financing when winning the bid. The credit line of the deduction will be replied periodically when the financier member pays the payable amount in each period. The credit limit of the financing can be used; for example, the approved credit limit of the member A is 500,000 yuan, the initial bid of the member A is 300,000 yuan, and the balance of the remaining credit of the member A is still available. Wan Hao; that is, 500,000 yuan deducted 300,000 yuan, but the deduction of the credit limit, 23 200844891 with each period = the amount of the amount of the payment, the period is replied, mainly due to the payment of member A: the amount of contributions payable 'will be converted into the credit limit of the member A; Π ▲ When the amount paid by the member A is accumulated to 150,000 yuan = the balance of the second amount will be returned to 350,000 yuan; that is, 200,000 yuan Adding the following two methods for the implementation of the management and control of the financing credit line of the financier. Figure 10 - The implementation method of the member credit limit management and control of the invention, please refer to ., , and Figure 10. The credit review system is the financing applicant for online application.The levy 彳 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 彳 审核The management server assigns the credit amount to the member of the financial partner according to the financing member's membership conditions and the credit information. The credit amount and the valid period are included. If the quota is not used, the management server automatically controls the member when it expires.俟 When the financier member has a demand, re-apply online, the management server will transfer the member credit limit data into the member credit limit management database (1102) 'When the member credit limit changes, the management server updates the member credit limit data (1103) : When the financier member has used the credit line to pay any amount of the monthly payment due, the management server will immediately use the remaining credit line for the first day after the late payment, after the amount of the credit is replenished, Unfreeze, dynamic credit limit monitoring, credit limit review (1104): The management server dynamically monitors the use of the financing member's credit limit, and performs the quota review according to the parameters of the management server parameters. The member credit limit Review result (1105), if an abnormality occurs, reduce the member's credit limit or freeze the member's credit limit (1106): If the review of the results of 200844891 is abnormal, then according to the credit abnormality of the financier member, after the credit review system audit The credit limit or the frozen amount of the financing can still be used for the downgrade, and the credit line previously used by the financier member is renewed. Until the end of the payment period, 'If the usage is normal, the member's credit limit will be automatically renewed or the member's credit limit will be increased (11 07): If the review result is normal, the management server will automatically follow the original when the credit limit period expires. The quota is extended. With regard to the improvement of the credit limit, if the financier member has a good or active online application for the credit line for raising and financing, the credit rating system will be approved by the credit review system, and the qualifications will be increased. Figure 12 is a system diagram of the direct online financial lending trading platform of the invention. Please refer to Figure 12: The present invention is a system for direct online-financial lending trading platform (1203), which has a management servo. (1204), the management server is connected to the financial accounting system (121〇) and the credit review system (1211) through the Internet, wired communication device, wireless communication device, or regional network, etc. The service system (121〇) executes the command of the server to manage the transmission of the server, and will execute the result report management servo. The Credit Review System (12彳1) conducts credit and credit line review for the financiers who apply online, and returns the results of the review to the management feeder. Members who pass the qualification review can log in to the online direct financial lending to the system of the 曰贝乂易十台 (1203) with the member number, user code and user password to participate in the loan transaction portfolio, financing or saving. . At the same time, the management server also provides a network connection for members to connect with devices such as electric machines and PDAs. The direct online financial lending platform system of the architecture further includes five databases: member information management database 25 200844891 (1205) for storing information via the management server and the information obtained by the management server Management basic information, member management management information, recording management control, etc., the platform uses the information as a member, I s member transaction management database (1206) to store the server establishment i锸岱人^ 廿田 and 吕立之's various materials for borrowing and borrowing, including the amount, will blow _ : ^ various loan transaction portfolio parameters, member bidding information Information* (12〇7) Γ For storing the management server for the settlement and delivery of the bidding transaction combination, the credit loan, contingent liability, fee income, delay of interest, etc. generated by the member of the package 1 The member credit limit management database (1208) is used to store the management server and the credit review system to exchange information. The material includes the financing amount management data. , quota extension, adjustment and freeze management... and other information, the trading platform management database (1209) is used for the management and control of the trading platform, including the number of members and the statistics of the borrowing and parenting portfolio, managerial authority, user rights and information. Added 'maintenance and query··etc. The management server can communicate with the member or the financial accounting system (121〇) and the credit review system (1 211) through the communication network, the wired communication device, the wireless communication device, and make an instant secure exchange message, and at least A database link 'stores data, messages and results in their respective databases. Two examples are provided here as a reference. The first embodiment assumes that member A is a member of the financier who applies for joining the online direct financial lending transaction platform through the Internet connection. The online direct financial lending transaction 26 200844891 The management server of the platform website is linked with the credit review system to exchange information. Conduct online credit and credit limit review for online member A. After approval, grant member a quota and issue member A user code and user password, that is, approve member A to become a financier member; member A uses member number and uses User code, user password, login to the management server, after the management server is audited, 'allow member A to log in to the online direct financial lending trading platform website; and online direct financial l transaction platform management server according to the needs of members The combination of the number of periods and the amount of money for member A to choose to participate; member A chooses to join the appropriate lending transaction portfolio 'and bids' according to its own funding needs, after the member A loses the bidding conditions, the management feeds the server to inquire members A credit line, online direct financial lending The management of the platform is to check whether the available quota and expiration date of the member A meet the requirements. If the member A meets the requirements, the member A credit limit will be temporarily suspended and the transaction portfolio will be established. The number of financiers is not up to the loan transaction portfolio. Before the G condition, the member A can delete or modify the operation. If the deadline is reached, whether the loan transaction portfolio is set, if the loan transaction portfolio is set, the loan transaction portfolio is established and waiting for the bid opening. If the loan transaction portfolio is not set, , it will automatically be removed, and the member A credit limit will be temporarily deducted and responded; Member A will bid before the bidding time, when the investment is stopped, the management (four) will stop all bidding login, management (four) inspection The nuclear input of the gold standard is negative, and the membership of the borrowing and parenting combination and the bidding conditions are compared, and the time and the standard of the rabbits are determined. If the membership and the conditions of the competition are not met or the standard number is Exceeding the management feeding device setting = effect standard gold, and removing the invalid standard gold, if the member == staff standard gold is in line with the tube (four) service (4) The scope and conditions of the door will be fixed: the standard is confirmed as the effective standard of the time of the opening of the loan and the combination of the bidding transaction, the management server will open the bid to select the winner, announce and notify the result of the bid; μ 撮 ' 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设 假设The occurrence of the table 3 (four) is the following rules: 1 The winning amount of the current period is obtained by the highest bidder in the member of the Bay; 2 when the standard is the same, the other is ^ The lottery operation determines the winning member; 3. When no financier member bids, the loan transaction portfolio is automatically removed; ▲When the township loan transaction portfolio is set up for more than one finer, assuming that the loan transaction portfolio is set as a financier member (M>1), the winner can be judged according to the above-mentioned winning rules, and the opening of the M period The target of each period is generated separately. It is also possible to determine the bidders of each period according to the above-mentioned winning rules, and take out the M winners with the highest bid, and sort them according to the level of the standard gold to determine the winners of each period in the flood season. The funds that can be obtained by the current bidder are obtained by the following formula: The formula of the standard amount of the deduction of the standard interest rate Formula 1 ·· An = ( U~ in

X N or 28 200844891 Standard interest plus the standard formula Equation 2: An = UxN where

An: indicates the total amount of money that can be obtained by the nth financier member. U: indicates the unit amount Ν: indicates the total number of members of the saver π: indicates the number of open bidding periods of the fund bidding transaction combination in: indicates the label of the η period Gold, the meaning of which is the interest of the financier members who are willing to pay for fλ. Assume that the loan transaction portfolio is composed of 3 financier members and 20 saver members. The unit amount is 1〇, and the management server uses a one-off bid to determine the winners of each period. Participation in the bidding transaction portfolio bidding 'Assumed member A is the second highest bidder for all bidders participating in the bidding, the standard gold is 5 yuan, then after the system opens the bidding operation, 'Decision member A is the second period The winner. t Member A's funds that can be obtained in the second period: 4: The standard formula for the deduction of the standard: 1 = An = ( u - In ) x ν (10,000 yuan - 500 yuan) χ 2 〇 = 190,000 yuan if the interest rate In addition, the formula of the standard formula 2 is: An = UX Ν 1〇,000 yuan X 20 = 20〇, the management server of the direct financial lending trading platform on the online line in the second phase 29 200844891 Ο Notification, management server * = account: system link 'for instant secure exchange of information, financial accounting; unified order batch deduction for f will member (four) (four) lending trading platform to pay % account, per - saver member account All will perform the second deduction operation, J:: amount deduction "one time for the deduction of the fee, the financial accounting system execution back: management server execution results, management server update employee account billet library current period Payment information, delivery settlement, member remittance to member A's financial account, complete settlement and delivery operations. ~ Example 2 Suppose that Member B is a member of the Savings Group to apply for the online direct financial lending trading platform through the Internet connection, and manage the server online for qualification review. If the qualification is approved, the management server grants the member B user code and User password, that is, approved member B joins as a saver member. Member B uses the member number, user code, and user password to log in to the management server. After the management server is audited, member B is allowed to log in to the online direct financial loan transaction. The platform website; The management server of the online direct financial lending trading platform establishes a trading combination of different periods and amounts according to the needs of the members, for members to choose to participate, and member B chooses to join the lending transaction portfolio according to its own financial needs, and enters and lends The number of units and conditions, the management server linked to the financial accounting system to exchange messages, check whether the balance of the member B account is sufficient to pay the number of units for the investment 30 200844891. If the account balance is insufficient, notify the member B that the financial account balance is not completed. Login, if you will If the balance of the B account is sufficient, then the funds in the account will be deposited and wait for the transaction portfolio to be established. 'Member B can enter and delete the time limit before the debt reserve member 2 fails to set the loan transaction portfolio. The conditions for the loan and loan transaction combination are set. If the parental combination is set, the loan transaction portfolio is set up and waiting for the bid opening. If the right borrowing transaction portfolio is set, the B account fund will be automatically deleted. From the purpose of member B as a saver member to participate in the transaction portfolio, the purpose is to earn the bonus: to bid and bid, after the member B participates, wait for the transaction portfolio to open the bid, and 2: to set the bid opening time, the management server will open the bid to perform the bidding match. 'Select the winners, announce and notify the results of the bidding. After each bid opening, each storage camp, _ the stocker (3) will pay the dues in one lump sum, and the member of the knocker will get the Zen payment in the current period. After Xiangmu 丨ν * Member of the deposit. "The next phase of the people will be repaid to the store on the online financial lending trading platform. ^ The member sends a payment message to notify Jiang Yim to send the item to the trading platform delivery account, ::== The payment is recognized as the idiom service 1 § and the financial account department has ^, to exchange information in real time, update the member account: the debt "balance" for overdue payment of overdue members, platform start performance guarantee Make a payment and remit the loan transaction to a flat account; that is, when the financier member is overdue, the system operator will “contain a liability:! When the balance is transferred to a credit loan, the request is to be merged with the 'Tian member' to perform the collection operation, and the management of the feed and the member's reimbursement or the financing of the service for the delivery and settlement of the liquidation 31 200844891 And notify the financial accounting system, the member member B financial account 'complete settlement and delivery operations. From the above description, it can be seen that the specific technical content of the method and system of the direct financial lending transaction platform of the present invention is based on the following advantages: 1. Effectively solving the existing direct finance, meeting and depositing, lending and financing is not easy _: Because of the characteristics of deposit and loan, the financier has not yet waited for the bidder's role as a depositor; that is, before the required funds have been obtained, the money must be paid to pay the amount of each period. Therefore, the present invention breaks the characteristics of the deposit-and-borrow, separately recruits the group-storage and the financier, and collects a group of savers and financiers through the platform operation mechanism, and generates a bidding process through a bidding process during a certain period of time- One or more of the financier members who meet the bidding conditions set by the management server and a group of funds provide a combination of the saver members who earn the coupon. 2. Rapid and effective mass creation of opportunities for lenders and borrowers to meet: Establish an online direct financial lending trading platform through the Internet to bring together a group of savers and financiers. During a specific period, through the bidding process, one or more financier members who meet the bidding conditions set by the management server and a group of funds provide a combination of saver members who earn the coupon. Allowing members of different attributes to participate in the lending portfolio to quickly and effectively create opportunities for lenders and borrowers to meet. 3. Effectively solve the problem that online savings and financing transactions are not easy to achieve: The present invention recruits members who have savers and financiers through the Internet, and when the number is 32 200844891, a large number of shells are formed to a considerable extent. The trading portfolio also reached the point:: The Internet is not subject to geographical and time-limited features, and there is no risk of electronic transactions. 4 · Provide convenient, accurate and safe real-time bidding transactions and clearing and delivery environment: The online direct financial lending trading platform can effectively provide convenient, accurate and safe real-time bidding transactions and clearing and delivery environment, which is applicable to most financial institutions and greatly improves direct The acceptance of financial transactions in the market. In summary, the present invention does have the advantages described above, and compared with the current development of the electronic financial transaction system, in addition to being novel, it also has significant practicability and progress, and is consistent with Patent invention requirements, 提起 file an application in accordance with the law.

U 33 200844891 [Simplified Schematic] Figure 1 is a flowchart of the implementation of the direct online financial lending trading platform of the invention. Figure 1 is a flow chart of the implementation of the credit review process by the financier of the invention. Figure 3 is a flow chart of the implementation of the platform for the invention to join the direct financial lending transaction. Ο

V Figure 4 is a flow chart of the implementation of the platform for the invention to join the direct financial borrowing transaction platform. Figure 5 is a flow chart of an embodiment of the invention login security control implementation. Figure 6 is a flow chart of an embodiment of the invention saver member participating in the loan transaction portfolio. Figure 7 is a flow chart of a bidder's implementation of the bidder's portfolio bidding. Figure 8 is a flow chart of a direct financial lending trading platform for bid opening. Figure IX is a flow chart showing the implementation of the settlement and delivery of the eligible members of the invention. Figure 10 is a flow chart showing the settlement and delivery of the funds due to the members of the invention. Figure ^-^系一 Figure 12 is a unified diagram The invention credit limit management and implementation of the invention The framework of the invention direct online financial lending. Parent-friendly platform 34 200844891 [Key component symbol description] Member 1201 Information fire compensation 1202 Online direct financial lending trading platform system 1203 Management server 1204 Member information management database 1205 Member transaction management database 1206 Member accounting management database 1207 Member Credit Management Database 1208 Trading Platform Management Database 1209 Financial Accounting System 1210 Credit Review System 1211 1/ 35

Claims (1)

200844891 X. Patent application scope: • A direct online financial lending system Μ ^ μ * ^ Do not use the method, this method is used for = loan trading platform; will - group savers and financing - one: one i: one During the specific period of 'through the bidding process, the producer: the member of the company = the financing of the bidding conditions set by the management server: Guang, - Qun-Beijin provides a combination of saver members who earn the coupon, the characteristics of which include the following steps : A financier invites the direct financial lending transaction platform credit review step: this step refers to the financing of the Internet through the Internet, wireless communication devices, or regional network and management of the feeder to apply for online direct financial lending transactions Platform' management platform of the trading platform website will send the information of the applicant to the credit review system for credit review. 1 The financier meets the credit review conditions, and the credit limit and validity period are approved; Direct Financial Lending Trading Platform Steps: This step refers to the receipt of the credit review approval notice by the financier. After the financier completes the online contract to protect and open the financial transaction account, the management server grants a set of user codes and passwords to finance. The member is logged in to complete the application to join; a saver completes the application to join the direct financial lending trading platform. Step: This step refers to the saver online application to join, after the management server qualification review approves '% of the deposits to complete the online financial account, A set of user codes and passwords are granted by the management server, saving Member login complete application to join; One member login security control step: This step refers to member use meeting 36 200844891 member number, user code, user password to log in to the trading platform website, after the management server checks, allows members to log in Loan trading platform website; a depositor member to participate in the loan transaction combination step: this step refers to the depositor member chooses the loan transaction portfolio to be joined, enters the number of credit units and conditions, manages the server to link the financial accounting system to exchange information, query The saver member account 'checks whether the balance on the member's account is sufficient, if the account balance is sufficient', then the account funds are queued for bidding, and the conditions of the loan and loan transaction portfolio are set, the loan transaction portfolio is established, and the bid opening is awaited; The loan bidding combination bidding step··This step is to select the loan transaction portfolio to be joined by the negative member, enter the bidding condition; the management server queries the financier member credit limit, checks the member available quota and the expiration date, if the conditions are met , then credit line Deduction, waiting for the competition and setting conditions for the loan and loan transaction portfolio, establishing a loan transaction portfolio, waiting for the bid opening; a direct financial lending trading platform for the bid opening step · This step means that when the bidding time expires, the management server will stop All biddings are registered in the 'Management Service' to check the input of the standard information, and the membership and 1 standard conditions are compared, the bid opening time is reached, the bid opening is generated, and the winning result is announced and notified; Settlement and delivery steps for the payment. · This step refers to the management server connecting to the financial accounting system after the opening of the bid, for real-time secure exchange of information, and the financial accounting system performs the batch deduction operation to remit the member's payment and remit the loan transaction. The platform delivery account, and the delivery clearing will be the winner of the winning bidder to remit the bidder member financial account, complete the settlement and delivery 37 200844891 Settlement and delivery steps for a member's dues: This step refers to the management server's notification of the payment of the payable amount to the pre-paid members. The financier member will remit the payment of each period to the loan transaction platform. The management server is linked with the financial accounting system to perform real-time secure exchange of information and performance guarantees to carry out the settlement and settlement calculation of the payment allocation operation, and the depositor member's due money is remitted to the depositor member financial account to complete the settlement and delivery operations; A member credit limit control step: This step refers to the credit review system for the credit applicants who apply online to join, and the audit results are returned to the management server. The financier members are approved by the credit review and manage the servo. The device grants the member credit limit, and the management server dynamically monitors the use of the financing member's credit limit, and performs the quota review and adjusts the member credit limit according to the parameters of the management server. 2. The method of item 1 of the scope of application, wherein the financial accounting system refers to a financial account management system set up in the banking or financial service industry, which can be used for depositing a person’s father, paying a parent, and authorizing withholding contributions. The function of balance inquiry and circulation prohibition. 3. If the method of item 1 of the scope of application is applied, the credit rating system refers to the function of using the audit, credit rating, etc. or determining the credit line. 4. The method of claim 1, wherein the exchange of information refers to linking the online direct financial lending transaction platform to the financial accounting system via an internet, a wired communication device, a wireless communication device, or a regional network. The credit review system links to make an instant secure exchange of information, so that member information can be 38 200844891 Transfer to each other. 5. If the scope of the application is determined by the rules of the application: the method of the item 'where the winner is produced according to the following: 1. The winning amount of the current period is obtained by the financier member; Λ the highest bidder is selected as appropriate The lottery operation determines the winning member 3. When the non-Fin-Bei member bids, the loan transaction combination is automatically released; when the loan transaction combination is set to knock the second owe, the number of visitors is more than one; : Μ>1), the production of the winners of each period, in addition to the above-mentioned "rule determination, there are two ways to produce · 1 by the e-feeding device μ period of the opening, according to the highest period of each period Those who decide to win the bids in the current period will each produce the winners of each period. 2, the second-level bid opening, the winners of each period will take the highest bidders of the highest bids and sort them according to the level of the gold. In the current period, the winners of each period. 6. If the method of applying the scope of the item is applied, the financier applies to join the direct financial lending transaction platform credit review step, which further includes · · the financier applies to join, fill in the application online and Attach relevant supporting documents; management server will apply The data is transmitted to the credit review system; the credit review system conducts the credit review; whether the credit review results are eligible; if the credit review conditions are not met, the qualifications are not eligible for refusal. If the credit review conditions are met, the credit limit is approved. The upper limit and the expiration date; the credit review system returns the management server review result; the management server notifies the customer of the audit result. 39 200844891 7·If the scope of the application is the first item, the financier completes the application to join the financial lending trading platform. The step further includes: the money financier receives the credit review approval notice online; signs the contract online; opens the financial transaction account; manages the server login password garbled operation; transmits the parent payer member user code and password letter; The financier member login changes the user code and password; completes the financier application to join the operation. 8. If the method of the first application of the scope, the saver completes the application to join the direct financial lending transaction platform step, further includes: , fill in the application documents; online If the audit fails, the qualification does not meet the refusal to join; if approved, the financial account is opened online; the management server login password is garbled; the delivery member user code and password are transmitted; Member login change user code and password: Complete saver application to join the operation. 9. If the application scope is the first method, the member login security control step green, further includes: Approved member login transaction website; member input member Number, user code, user password; Management server check member information; 200844891 Checking the poor material is correct; Scorpion Shechang is not included in the member's online direct financial lending trading platform website, members complete the login. If the check data is wrong, it is judged whether the continuous error is owed; if the continuous error is less than η times, the material negative will be required (4) password input to re-enter the input; if the continuous error reaches η _ person', the management server will control The club will use the password information and ask the member to contact the service to apply for re-enabling. Ο 10·If the application scope is the first item _ method, the saver member participates in the loan transaction combination step, further including: the saver member selects the loan transaction portfolio to be joined, · enters the number of capital supply units and conditions; Link to financial account Li Wei -> Book music into the father to change the message, query the saver member account; check whether the balance on the member's account is sufficient; if the account balance is insufficient, the notice will be insufficient to complete the financial account balance If the household balance is sufficient, the account funds will be kept and wait for the transaction portfolio to stand up; the combination setting conditions; the loan transaction portfolio will be established until the deadline, and if the loan transaction reaches the loan transaction portfolio setting conditions, the bid opening; Conditions, move down ~ Storage 11 · The method of item 1 of the scope of application, wherein the financier member participates in the loan 41 200844891 trading portfolio bidding step, further includes. The financier member selects the borrowing transaction portfolio to be joined; enter the bidding conditions, · Manage the feeding machine to query the financier member credit limit; ... tube - check ... use, then • member credit limit is not completed; c. If the corpse is closed, the credit line is temporarily deducted and waiting for the transaction combination to be established; ; = When the loan transaction combination is used to set the conditions, the loan transaction portfolio is set up to wait. •===Set the condition', it will be automatically removed, and the member of the poverty-stricken person will be released and will be refunded. 12. If the opening procedure of the first item of the application scope is carried out, the step-by-step includes: “The direct financial lending transaction is closed before the deadline for bidding, and the C-gold is borrowed for bidding; When the investment=time expires, the management server will stop all biddings and log in, and the management server will check the input of the standard information; ==the bidding conditions are not met or the standard number exceeds the scope of the management feeding service, and the standard is not invalid. Gold; right member membership and bidding conditions are consistent and the standard is in line with the management server: scope and conditions', then the member's input of the standard is confirmed as: standard 42 200844891 up to the loan opening time set the opening time, then management The server online bid opening will produce the winner; announce and notify the winning result; the management server sends the saver member's winning result and the payable bid; the management feeder sends the winner's winning result and the due amount; management server Adjust the available quota; other unfunded financiers; original temporary credit limit reply; complete the bid opening operation. 13·If the application scope is the first item The method, wherein the winning member is subject to the settlement and parenting steps of the payment, further comprising: the management server sends a notification of the payment of the payment to the saver member; the management server and the financial account system are linked to perform an instant secure exchange of information 'Financial accounting system performs batch deduction operation to remit the member's payment to the lending transaction platform delivery account; the management server updates the member's accounting database's current payment information; the delivery clearing will be the winner of the payment The bidder member financial account is sent; the settlement and delivery operations are completed. 14·If the method of item 1 of the application scope, the settlement and delivery of the member's due amount, further includes: The management server should send the pre-qualified member to the previous period. Payment message notification; Financing member remittance of each period of payment to the loan transaction platform delivery account; 43 200844891 Management server and financial account system connection 'for instant secure exchange of information, update member account database, , or contingent liability balance; overdue payment notice for overdue members, system platform started It is guaranteed to make advances, remittance to the loan trading platform delivery account, and to perform the settlement and settlement calculation of the allocation of funds; to remit the depositor member's dues to the depositor member financial account; to complete the settlement and delivery operations. 1 5 · If the application scope is 帛 4, the member credit limit control step further includes: the financier member is approved by the levy s, the management server gives the member credit limit; the management server will member (four) quota data Remittance member credit limit management database; When member credit limit is different (4) 'Management server update member credit limit data; Dynamic credit limit monitoring, credit limit review; Member credit limit review result; If abnormality occurs, downgrade membership system The amount of the credit or the Dongjie member credit limit; if the right use situation is normal, the member credit limit will be automatically renewed or the credit limit of the club will be increased. 16·—A system for direct online financial lending trading platform. The system includes: a government server that communicates with the financial account through the Internet, wired communication devices, wireless communication devices, or regional networks. The system and the credit review system link: the financial accounting system executes the instructions for managing the delivery of the feeder, and the execution result is reported to the management server. The credit review system conducts credit and credit review for the financiers who are on-line, and returns the audit results to the management server. Members who pass the qualification review can log in to the online direct financial lending trading platform system based on the member number, user code and user password to participate in the lending transaction, 'and σ 融 融 、 、 、 、 、 、 、 、 、. At the same time, the management feeding device also provides an internet connection for members to connect with devices such as computers, mobile phones, PDAs, etc.: - a member information management database for storing information obtained by exchanging messages with the member via the management feeding device; Member management basic information, member password management data, member transaction record management data, etc., the platform uses the negative communication as the member login control; employee transaction & management database for storing the management server established The data of various loan transaction portfolios includes various loan and transaction portfolio parameters such as amount, duration, and bottom bid, member bidding materials, bid opening materials, clearing and distribution information, etc.; - Huibei accounting management database for storage The management server performs the settlement and delivery of the bidding transaction combination, including the credit loan, contingent liability, fee income, delay interest calculation, etc. generated by the member; the member usage quota management database 'for storing the management The server and the credit review (4) are connected to exchange information, including the financing amount management data, and the amount of Responsive information, quota extension, adjustment and freeze management, etc.; - Trading platform management database, used for trading platform operation and control 45 200844891 Materials, including membership and lending transaction portfolio related statistics, manager authority, use Information on the addition, maintenance and query of the authority data. The management server can use a communication network, a wired communication device, a wireless communication device to connect with a member or the financial accounting system and the credit review system to make a δρ Hi A \ _ female grandfather change message, and at least one The database is linked from °~ and the results are stored in the associated database. ‘Capital 1 XI, schema: 如次贡 46