200941386 九、發明說明： 【發明所屬之技術領域】 本發明為金融電子商接金_域。本發__路科技創 造一個直接金融個_存借環境，讓個體根據自我㈣要，在自我 設定的_、金額愤演存款或借款的肖色，系統謂維護—個零 磨擦，無信用風險的資金存借環境。 本發明自主性利率對弈式存借系統與方法，從個體和平台的虛 擬對弈，衍生出個體和整個平台資金存借系統_弈，形朗^ 發現，以及完成資金的最佳配置效率。 【先前技術】 ❹ 網路科技的發展，造成資訊大量向消費者傾斜，傳統的由賣; 主動推廣、企劃及行_«鶴，已魏漸為互_、或由買; 驅動的電子商務所取代。電子商務快速且無遠弗制雜，很幻 形成規模經濟’並職簡所有業界傳_商業型態。 不需要任何植料讀的金«，麵路糧之下更是„ 其衝；於是，人〇恤幼年代，把傳統銀行業務e化，證券交 易電子化，變成金_改革的主流。進人二十—世紀，e化的銀 行尚不能滿«握充轉訊的客戶的需要，在這個潮流的推動下， 傳統的間接金融勢必逐漸走進歷史，由直接金融取而代之。 200941386 直接金融反映在銀行借款者的立場上，—直存在一個困境：銀 行方很想把資金貸放料，卻又擔心無法回收，造成逾放、有還 款誠意和實力的借款者，也_在銀行擔心較的情況下，和銀行 的放款失之«，這就是銀行畴錄業務，無找全在網路完成 作業的主要朋，也就是今天「網路銀行」無法紅落實的關鍵。 為了解決網路世界直接金融存借的問題，英國施年成立 Z〇M_ ’作轉借雙㈣仲解卜z〇pA將借村成十八個信 用等級，根據其等級必須給付不_利.信料級缝者，則能 取得較便宜_息’也較容易借得顺；制等級較差者，則必須200941386 IX. Description of the invention: [Technical field to which the invention pertains] The present invention is a financial electronic quotation. The __ Road Technology creates a direct financial _ deposit environment, allowing individuals to set themselves according to the self (four), in the self-set _, the amount of anger in the deposit or the borrowing of the color, the system is maintained - a zero friction, no credit risk The funding environment. The autonomous interest rate game-like deposit and loan system and method of the present invention derives the individual and the entire platform fund deposit and lending system from the virtual game of the individual and the platform, and finds the best allocation efficiency of the completed funds. [Prior Art] 发展 The development of network technology has caused a large amount of information to be tilted towards consumers, traditionally sold; active promotion, planning and marketing _« crane, has become a mutual _, or by buy; driven e-commerce Replace. E-commerce is fast and far-fetched, and it is very illusory to form economies of scale. There is no need for any gold reading of the plant material. Under the road food, it is even more rushing; therefore, people are reluctant to e-commerce, e-transform traditional banking, electronically trade securities, and become the mainstream of gold _ reform. In the 20th century, e-banks are still unable to meet the needs of customers who hold the news. With this trend, traditional indirect finance is bound to gradually enter history and be replaced by direct finance. 200941386 Direct finance is reflected in banks In the position of the borrower, there is a dilemma: the bank wants to lend the funds, but it is worried that it cannot be recycled, causing borrowers who are over-received, have the sincerity and strength of repayment, and also worry about the situation in the bank. Next, and the bank's loan loss «, this is the bank's domain record business, there is no way to find the main friends who are all done on the Internet, which is the key to today's "Internet banking" can not be red. In order to solve the problem of direct financial deposit and loan in the online world, the British establishment of the year Z〇M_ 'for the transfer of double (four) Zhong Jie Bu z〇pA will borrow the village into 18 credit ratings, according to its level must be paid not to profit. Material grade seams, you can get cheaper - interest is also easier to borrow; if the grade is poor, you must
付出較高的利息’才能借到錢。平台為了分散風險，一筆借款通常 被拆成數十筆小款項，向不_金主料；的，借款者的整筆 款項，基於風險的分散，也被拆成數筆小款項，貸給借款者。平台 〇 軸有存款保險，可是，存款保險的費用必須由贷款者負擔。z〇pA 的存放款，表面看來，存借雙方都具有自主、互動的形式，其實， k只是-種「近直接金融」的微型產品，其借款、放款的主導權還 是操在平台之手。 美國2006年的Prosper網站，以社群的概念來經營存放款，其 借貸中介撮合對象是會貞的借方與贷方，社群管理者為社群的創設 者可參與利满分享，因此，有誘因去經營管理社群；風險管控由 200941386 平台設定借款者信用評等八級，借方可借款金_ ι 〇〇〇〜25〇〇〇美 元；貸方可提供25,000〜100,000美元，以供借款。 ZOPA和P卿㈣_存借平纟，朗顯地額向金融電子商 務的直接金融取向靠攏，祇可惜，它們的「直接金融」作為，都是 有其名而無其實，充其量只是傳統存借的另—種健方法而已。因 此真正的直接金融電子商務存借方法實有其出現的必要性。 ❹ 【發明内容】 本發明係揭露一種自主性利率對弈式存借系統，係建構一個資 金競標平台，供使用者在平台上針對自身需求選擇適合自身的競標 條件，並根據競標條件進行資金競標，以進行資金運用。本發明之 系統包含一管理伺服器、一使用者資訊處理伺服器、一徵信伺服器、 φ 一交割伺服器及一競標伺服器，競標伺服器更包含一利率計算模 組、一競標結果決定模組及一使用者結算模組。管理飼服器用以接 收使用者之申請，並協調系統内各模組之資訊與金額交流；使用者 資訊處理伺服器用以進行該使用者基本資料之初步審核，並提供使 用者帳號及密碼，以及提供該競標條件資訊以供使用者選擇；徵信 伺服器用以進行該使用者之徵信及信用增提，並計算該使用者之信 用額度；交割伺服器用以進行各期競標結果之交割作業；競標伺服 200941386 器，用以處理使用者孰行之競標作業；競標結果決定模組用以決定 該使用者之競標結果及存款結果；利率計算模組，用以計算使用者 之借款利率及存款利率；使用者結算模組用以計算使用者之結算結 果及應收、應付金額。 ❹ ❹ 本發明之資金競標，係指使用者可選擇是否下標而決定自身的 資金運用身份，不下標則成為存款者，存款利率根據競標伺服器運 算而得；若下標則可由競標伺服器判斷是否得標，一旦得標即代表 使用者成為借款者，可得到一筆根據競標條件計算而得之資金進行 運用；若未得標可根據自身下標的標金進行存款。由上可知，本發 明創造-種制者與系統直接對弈職標手段，朗者表達其所欲 借款的利率’系統則分析目前金流水位及存借款利率，以判斷使用 者所出示的醉是否符合得標㈣格，所峨用者可根據自主的意 識1借款卿’與目祕行謝由罐定咐方法剛好相 反，是一種反向交易的存借方式。 本發明另揭露-種自主性利率對弈式存借方法用 統可確切執行，_抑—錢標，完_金_ 具雜dr所揭露的自主性利率賴存借一方法， 體實施方式將在下面詳細說明。 【實施方式】 200941386 本發明自主性利率對弈式存借纽與方法係採過電子商務方法 建構資金聽平纟，讓使骑得以透賴標手段進行資金運用，在 建構電子商務平㈣’ n-具體聽本個自錄利轉弈式存借 之系統：本系統包含-管理飼服器1(n、一使用者資訊處理飼服器 102、一徵信伺服器103、一交割伺服器1〇8及一競標伺服器1〇4， 競標伺服器更包含一利率計算模組105、一競標結果決定模組106 0 及一使用者結算模組107。以下分別介紹各伺服器及模組之運作。 管理伺服器101 :用以接收使用者之申請，並協調自主性利率 存借系統所包含之各飼服器與模組之間的資訊與金額交流。 使用者資訊處理伺服器102 :使用者可藉由終端機輸入申請訊 息及其基本資料，本伺服器102透過路由器接收該申請訊息及基本 >料封包’由本伺服器進行使用者的基本資料分析及審查後，將審 φ 查結果之訊息封包透過路由器回傳至該使用者的終端機。 徵信伺服器103 :使用者通過基本資料審核後，藉由終端機輸 入徵彳§資料，該徵信資料包含：個人財務資訊、抵押品、擔保品或 保證人之相關資訊，本徵信伺服器103透過路由器接收該徵信資料 封包’隨即進行使用者的徵信資料分析及鑑價後，將鑑價結果之訊 息封包透過路由器回傳至該使用者終端機。另外，本伺服器1〇3亦 處理當競標進行中，使用者所累積之信用額度；若使用者所累積之 200941386 競標額度不擔«之雜嫩，本難舰器⑽將可進行競標 資訊之訊息封包，透過路由器回傳至該使用者終端機。 競標舰n m: 者通贼样㈣減齡後，即可參 舰標作業。本競標键器104依據使用者徵信後之信用額度，將 其可選擇之競標條件封包透過路由輯送至使財終職。接著， 本飼服器104透過路由器接收使物斤選擇之細条件封包，使用 © 者即可輸人標金’該標金封包即由舰器接收。本舰器104接收 到標金後，Μ料算额⑽執行標麵轉紅辦計算，接 著競標結果決定模組106進行標金之得標決定，使用者的標金得標 與否及該現行期數的競標結果，競標結果決定模組1〇6將競標結果 通知使用者結算模組1〇7 ’由使用者結算模組1〇?進行金流結算作 業’並將結算結果通知交割飼服器1〇8，以進行交割作業。本飼服 〇 器104包含之各模組詳述如下： 利率計算模組105 ··肋根據τ標標金計算相對應之借款利率， 另並計算該時點存款使用者據以存款的標金。 利率计算模組1〇5在計算任一使用者於第η期（η落在本計算 時點上）下標標金之借款利率時，使用財務學内部報酬率（卿 的觀念進行之’意即細計算式⑴咖該朗爾各期的平 均存款利*，再使料算式(精下標當__的借款利 200941386 率λ。計算式如下： 客(r-()x(/+r广 rx(”·/)...... ΣΗΜ …[点J其t， Ο)You can borrow money by paying higher interest. In order to spread the risk, the platform is usually split into dozens of small sums of money, and the borrower’s entire amount is spread into several small sums and loaned to the borrower. . The platform 〇 axis has deposit insurance, but the cost of deposit insurance must be borne by the lender. z〇pA deposits, on the surface, both parties have autonomous and interactive forms. In fact, k is just a kind of “near-financial” micro-products, and its dominance of borrowing and lending is still in the hands of the platform. . In 2006, the Prosper website in the United States uses the concept of community to manage deposits. The lending agency is a debit and lender for the club. The community manager can participate in the sharing of the community. Therefore, there are incentives. To manage the management community; risk management is set by the 200941386 platform for the credit rating of the borrower, the borrower can borrow _ 〇〇〇 〇〇〇 ~ 25 〇〇〇 dollars; the lender can provide 25,000 ~ 100,000 US dollars for borrowing. ZOPA and P Qing (4) _ deposits and levies, and the land is close to the direct financial orientation of financial e-commerce. Unfortunately, their "direct finance" is all named and not. Another kind of health method. Therefore, the real direct financial e-commerce deposit and withdrawal method has its necessity. ❹ [Summary] The present invention discloses an autonomous interest rate game-based deposit and loan system, which is to construct a fund bidding platform for users to select bidding conditions suitable for their own needs on the platform, and to conduct fund bidding according to bidding conditions. For the use of funds. The system of the present invention comprises a management server, a user information processing server, a credit server, a φ-delivery server and a bidding server, and the bidding server further comprises an interest rate calculation module and a bidding result decision Module and a user settlement module. The management of the feeding device is used to receive the application of the user and to coordinate the exchange of information and amount of each module in the system; the user information processing server is used for initial review of the basic information of the user, and provides a user account and password. And providing the bidding condition information for the user to select; the credit information server is used for the credit information and credit increase of the user, and calculating the credit line of the user; the delivery server is used for the bidding result of each period. The delivery operation; the bidding servo 200941386 is used to process the bidding operation of the user; the bidding result determining module is used to determine the bidding result and the deposit result of the user; and the interest rate calculating module is used to calculate the borrowing rate of the user. And the deposit interest rate; the user settlement module is used to calculate the settlement result of the user and the amount due and payable. ❹ ❹ The bidding for funds in this invention refers to the user's choice of whether to sub-subscribe and determine the identity of their own funds. If they do not sub-standard, they become depositors. The deposit interest rate is calculated according to the bidding server; if the subscript is used, the bidding server can be used. Judging whether the bid is obtained, once the bid is obtained, the user becomes a borrower, and can obtain a fund calculated according to the bidding conditions; if the bid is not obtained, the deposit can be made according to the bid of the subscript. It can be seen from the above that the present invention creates a means of direct competition between the seed producer and the system, and the Langfang expresses the interest rate of the borrower's interest. The system analyzes the current gold flow level and the deposit and borrowing interest rate to determine whether the user’s drunk is displayed. In accordance with the standard (four), the user can use the self-awareness of the borrower, and the secret bank is the opposite of the tank. According to the invention, the method for autonomous interest rate game-based deposit and withdrawal can be implemented accurately, and the method of implementing the self-interest rate is disclosed in the method of _ _ _ _ _ _ _ _ The details are explained below. [Embodiment] 200941386 The invention of the self-interest rate interest-based loan-holding method and method has adopted the e-commerce method to construct funds to listen to the flat, so that the rider can use the means to use the funds, and construct the e-commerce flat (4)' n- Specifically, the system of self-recording and profitable deposit and withdrawal is provided: the system includes a management feeding device 1 (n, a user information processing feeding device 102, a credit server 103, and a delivery server 1). 8 and a bidding server 1〇4, the bidding server further comprises an interest rate calculating module 105, a bidding result determining module 106 0 and a user billing module 107. The following describes the operation of each server and module respectively. The management server 101 is configured to receive the application of the user and coordinate the exchange of information and amount between the feeding devices and the modules included in the autonomous interest rate depositing system. The user information processing server 102: the user The server can input the application message and its basic data through the terminal, and the server 102 receives the application message and the basic information packet through the router. After the basic data analysis and review by the server, the server will review The message packet of the result of the φ check is transmitted back to the terminal of the user through the router. The credit server 103: after the user passes the basic data review, the user inputs the information of the 彳 ,, the credit information includes: personal finance Information, collateral, collateral or related information of the guarantor, the escrow server 103 receives the credit information packet through the router, and then analyzes and evaluates the user's credit information, and then transmits the information packet of the evaluation result. The router returns to the user terminal. In addition, the server 1〇3 also handles the credit line accumulated by the user while the bid is in progress; if the user accumulates the 200941386 bid amount, the amount is not sufficient. The difficult ship (10) will seal the message of the bidding information and send it back to the user terminal through the router. The bidding ship nm: The thief-like (4) After the age reduction, the ship-marking operation can be performed. The bidding button 104 is based on After the credit is credited by the user, the optional bidding condition packet is sent to the end of the business through the route. Then, the feeding device 104 receives the material through the router. If you choose to use the conditional package, you can use the © to enter the standard gold. The standard gold package is received by the ship. After the ship 104 receives the standard gold, the calculation of the calculation amount (10) performs the calculation of the standard conversion, and then The bidding result determining module 106 determines the winning bid of the bidding, the bid of the user or not and the bidding result of the current period, and the bidding result determining module 1〇6 notifies the user of the bidding result to the settlement module 1 〇7 'The user settlement module 1〇 performs the gold flow settlement operation' and notifies the delivery service device 1〇8 of the settlement result to perform the delivery operation. The modules included in the feed service device 104 are as follows: : The interest rate calculation module 105····························································· The interest rate calculation module 1〇5 uses the internal rate of return of finance when calculating the borrowing rate of any user in the nth period (n is at the point of calculation). Fine calculation formula (1) The average deposit profit of the Langer period, and then make the calculation formula (the fine bid is __ the loan benefit 200941386 rate λ. The calculation formula is as follows: guest (r-()x(/+r wide) Rx("·/)...... ΣΗΜ ...[点J其t, Ο)
=A (2) U係為一競標上限; Ο ν係為一約定總期數; η係為一現行期數，且η ; h係為該使用者於第i期進行存款之標金，且i <η ; r係為該使用者於第1〜i期之平均存款利率； R係為該借款利率； A„係為該使用者若於第n期得標之總得標金，計算方式請參照 0 計算式(5)、(6)。 以上兩個計算式皆使用試誤法（try and error)計算。 利率計算模組105可根據競標結果決定模組106的需要計算該時 點存款使用者據以存款的標金。計算式如下： 利息先支付·· ................................................ 利息後支付:Ux{】rR』” 乂^乂 (4) 200941386 u係為一競標上限; n係為一約定總期數; η係、為一現行期數，且η$Ν ; 1係為一根據競標結果決定模組1〇6於第η期所決定之存款利 率； W係為根據\計算而得之該使用者之存款標金。 上述提到的利息先支付，係指在借款之時，得到的本金已先行 才除未來驗之批，触於零紐券的作法；縣後支付則指在 借款時可拿狀錢本金’在未來倾時再行支侧息，類似於一 般貸款_的作法。兩種作法皆可在桃_作，特詳細描述 兩作法以充分揭露。 另上述提到的从需根據競標結果來贼纽”替換以上兩種 符號將於稍後解釋。 競標結果決定模組1〇6 :用以根據該使用者是否下標及該模組 之處理、、’。果&紐_錢敗—慨錄，者根據自身需 求提供標金，本歡⑽針簡錢練微⑽欺，如判定為 可得標，賴者即可轉對胁魏標條件的麟標金；若判定為 不可得標，個者缝法在當麻得借款，而需進行存款。 200941386 本模組106另必須輯個_者之條件較侧之存款利 率’在此由本模組1〇6指定存款利率的使用者係僅包含未下標的使 有下未传躺制者妨麵的標金練據其當期 未得標的最高標金進行計算。 使用者、算模組1〇7 .用以計算得標者之總得標金金額以及未 胃ί金額依據烟者衫得標（由讎結果決 疋模’A 106决定）以及知標者是否有下標（利率計算模組⑽會提 供不同之存款利率計算結果）而不同。 在付‘使用者方面’本模組107計算得標者之總得標金。依照 利息給付的先後，有以下兩種計算式： ^=<U~I,)x(K~n^Ux(nl} ❹ 利息後支付： 其中， — .⑶ (6) A係為該得標者於第η期得標之總得標金; U係為一競標上限; Ν係為一約定總期數； η係為一現行期數，且n ; 1„係為該使用者於第η期之得標標金. 12 200941386 1肩為該使用者於第i期進行存款之標金，且i <n。 上述得標之使用者，需在往後期數進行還款還款金額的計算 方式如下： (7) (8) 利息先支付：u..... ❹=A (2) U is the upper limit of bidding; Ο ν is an agreed total period; η is a current period, and η ; h is the user's deposit in the i-th period, and i <η ; r is the average deposit interest rate of the user in the first to the first period; R is the borrowing interest rate; A is the total amount of the winning bid for the user in the nth period, the calculation method Please refer to 0 to calculate equations (5) and (6). Both of the above calculation formulas are calculated using try and error. The interest rate calculation module 105 can determine the need for the module 106 to calculate the deposit according to the bid result. The deposit is based on the deposit. The calculation is as follows: Interest is paid first··.................................... ............... Payment after interest: Ux{]rR』" 乂^乂(4) 200941386 u is the upper limit of bidding; n is the total number of agreed periods; η , is a current period, and η$Ν; 1 is a deposit rate determined by the module 〇6 in the nth period based on the bidding result; W is the deposit label of the user based on the \calculation gold. The interest mentioned above is paid first, which means that at the time of borrowing, the principal obtained is prior to the approval of the future inspection, and the method of touching the zero-coupon is used. The post-county payment means that the principal can be taken at the time of borrowing. 'In the future, when you pour in the future, it is similar to the general loan _. Both methods can be used in the peach, specially described in two ways to fully expose. In addition, the above mentioned two symbols need to be replaced according to the result of the bidding. The bidding result determination module 1〇6 is used to determine whether the user is subscripted and the processing of the module. , '. Fruit & New _ money lost - the record, the person provides the standard according to their own needs, this Huan (10) pin money and practice micro (10) bullying, if judged to be available, the Lai can turn to the threat Wei standard conditions If it is judged that it is not available, the individual sewing method is to borrow money and need to make a deposit. 200941386 This module 106 must also have a _ the condition of the side of the deposit interest rate 'here by this module The user of the designated deposit rate of 1〇6 only contains the unmarked ones, so that the standard of the unsuccessful person can be calculated according to the highest standard that has not been awarded in the current period. User, calculation module 1〇 7. Calculate the total amount of the winning bid and the amount of the unsatisfied amount according to the winner's shirt (determined by the result of the decision 'A 106) and whether the winner has a subscript (interest rate calculation module (10) Will provide different deposit interest rate calculation results) and different. In the payment of 'users' The module 107 calculates the total bid of the bidder. According to the order of interest payment, there are two calculation formulas: ^=<U~I,)x(K~n^Ux(nl} ❹ Pay after interest: Among them, - (3) (6) A is the total winning bid for the winner in the n-th period; U is the upper limit of bidding; the system is the agreed total period; η is the current period, And n; 1„ is the user's standard in the nth period. 12 200941386 1 shoulder is the user's deposit in the i-th period, and i <n. The amount of repayment amount to be repaid in the later period is calculated as follows: (7) (8) Interest paid first: u..... ❹
利息後支付:UHn 其中， U係為一競標上限; h係為該使用者於第㈣下標之標金。 未得標使肖者無論有否下縣鱗款，沒有謂的使用者依利 息給付的先後’使斷算式：Pay after interest: UHn where U is the upper limit of bidding; h is the bid of the user in subscript (4). If there is no bid to make the person with the county scale, there is no such thing as the user’s interest rate.
利息先支付:U_IA„....... 利息後支付:亀........... 其中， U係為一競標上限； IA„係為根據競標、结果決定模組1〇6於第⑽所決定之存款利率 計算而得之該使用者之存款標金。 使用者有f標㉟未得標’存款的計算，從利息給付的先後，有 200941386 以下兩種計算式： 利息先支付： ...................................................................(11) 利息後支付，........................................................................ 其中， U係為一競標上限； ❹ IHJ系為該朗者帛n絲賴之最高標金。 交司服器1〇8 .使用者結算模組1〇7執行總得標金及存款金額 十算後將該„十算結果通知冑割飼服器1〇8，交割飼服器⑽建立 -共同帳戶，共’戶内會為所有使用者設立—個別之虛擬帳號該 帳號卩為使財鱗統之間資錢純，且雜號雜個別使用 〇 者向系統提供的外部銀行，作為使用者資金流出入本系統之用。使用 者在未得標或疋^ 已得標*紋麟特定款概至系統時，即 透過自己的虛練號完錢概交；祕會將當娜標的使用者所得 到的如標金在其虛娜號齡丨，制者可在任何時候透過網際網 路將該筆款項提出難所屬之銀行，崎行f金的使用。 上述提到交割飼服器108會建立_共同帳戶實際操作上該共同 帳戶也可委外經營，如與特定金融機構合作，交割舰器湖則成為 g理該委外的共同帳戶及所有虛擬帳號的飼服器，因本作法與本發明 '200941386 之較佳實财錢無本冑上的*同，故仍為本發明之範圍内。 圖一係本發明自主性利率對弈式存借之操作流程圖：管理飼服 器101接收使肖者輸入的申請資料2〇1，使用者資訊處理飼服器1〇2 立即進仃申請資料的檢核2〇2，若未通過，該使用者直接離開本系 統203 ;若通過，使用者資訊處理祠服器1〇2核發使用者帳號及密 碼，交割伺服器108並核發虛擬帳號予該使用者2〇4，使用者即可 © 憑帳號及密碼登錄本系統2G5。登錄後使用者可輸入競標條件206， 該競標條件可由使用者自行設定，或是系統可針對各種競標條件設 立限制，以減少條件的組合。之後使甩者可選擇是否輸入徵信資料 207 ’徵信資料的目的為取得信賴度以進行競標，若不輸入則僅能 於本系統中進行存款。使用者若選擇輸人徵信資料2G8，徵信伺服 器1〇3及進行資料審核209以決定使用者的信用額度，若使用者的 O l用額度不小於根據#競標條件所決定的所需競標額度，使用者即 可通過審核’並)|隨進人纟、統進行競標；若額度尚不足，將詢問使 用者疋否增提錢資料210以補足所需競標額度。若使用者選擇信 用增提，則再次審核其概資料21卜若信用額度足夠即進入本系 統競標作業’若仍不足可再繼_提，或是詢問使用者是否重選競 標條件212，重選競標條件可降低所需競標額度金額以滿足自身的 信用額度，若重選擇回到競標條件選擇頁面2〇6 ;若不重選擇需離 15 200941386 開本系統203。 上述提到的信用增提210，若使用者不打算增提信用，則直接 詢問使用者是否重選競標條件212，若重選擇回到聽條件選擇頁 面206 ;若不重選擇需離開本系統203。 圖三係無競標制使用者之競標流程圖：競標開始如， 標權利使用者（即沒有足夠信詞度的使用者）必候該期競標 結束，根據給定的存款利率計算存款標金及金額3〇2，而存款金額 之《十算係由使用者結算模組1〇7執行。俟後，由徵信伺服器1〇3計 算該使用者目前所累積之信用額度3〇3 ’系統根據該累積信用額度 是否不小於其所需競標額度304來決定無競標權之使用者是否可獲 得之後的競標權；若累積信賴度不小於所紐標敏，由交割词 服器108通知該使用者結算結果以及徵信伺服器1〇3通知可進行競 標資訊’並通知使时完歧割作業奶；若累積信_度小於所 需競標額度’由交湘服H 1G8通知該使用者結算結果並進行交割 作業306。其中，該所需競標額度係為該使用者參與所有競標組合 的總所需· ’各個競標組合額度輯算方式係為每賊標上限乘 以剩餘約定期數’將之加總即為總所需競標額度。 圖四係具競標權利使用者之競標流程圖：競標開始4〇1後，使 用者可選擇是否輸入標金4〇2 ’若不輸入，則等候競標結束，使用 16 200941386 者、、σ算模組1〇7根據給定的存款利率計算存款標金及金額彻，計 算方式可參照計算式(3)、⑷、（9)〜⑼，並由交割舰器⑽通知 該使用者結算結果並進行交割作業404;若使用者下標，利率計算 模組1〇5先仃計算該下標標金相對應的借款辨計算方式可參照 汁算式(1)、（2)。得到利率後，交由競標、结果決定模組⑽進行得標 讀4〇5 ’以決定是否讓該使用者得標4〇6。得標分析主要根據系統 相胃金水位、金流轉及存借款辨，以欺由該投標標金所 計算出的借款利率是否合乎目前得標的標準。此即本發明所謂的對 弈方法，由使用者出示標金（即所希望的借款利率），再由系統決定 該標金是何得標（即符合目_餘雜、金流轉及存借款利 “這種由使用者自主決定的存借方式也就是反向交易的一種，突 破目前銀行業決定利率的片面交易方式。 〇 錄標金不可得標，將制妓否再重新輸人標金4〇9。 δ重新輸人;^金必須在該期結束前完成，且本彡統可為重新輸入 訂-人數上限’避免造成無限次輸入的情況。若使用者重新輸入， 則重新進行新的下標標金的分析405;若選擇不輸入則根據該未得 標的下標標金計算應存款的麵，鮮備通知翻者此競標及 、〜算結果。競標結果決定模組106若判定下標標金可以得標，使用 者結算模組107立即計算總得標金4〇7 (參照計算式⑶、⑹），並由 17 200941386 交割伺服器108通知使用者算結果，並顯示總得標金資訊於虛擬帳 號上408。得標者在往後期數則根據計算式(7)、（8)進行還款，以完 成整個資金借貸流程。 行文至此’將舉一個實施例，更具體地揭露本發明： 老石出社會多年，因理財時常造成他的困擾，故希望找到穩健 〇 的理財工具，因此他向本自主性利率對弈式存借系統所開設的平台 網站提出申請加入，希望能將個人資產做到最大的運用。 老石透過個人電腦向網站提出申請後，網頁顯示「輸入基本資 料J頁面，老石則將個人基本資料完整輸入201，本系統之使用者 資訊處理伺服器102立即進行資料審核2〇2，並核發使用者帳號及 密碼，交割伺服器108並核發在共同帳戶内之個人虛擬帳號給老石 2〇4。老石取得帳號密碼後也立即進入網站登錄2〇5，網頁隨即顯示 ❹ 頁面「選擇競標條件」206，老石根據自身的薪資收入、信用額度及 預期未來的資金使用情況，選擇「利息先支付、五年、各期間隔一 個月、單位競標上限20,000元」的競標組合206，依照該條件計算 可知其所需的競標額度為120萬元（5*12*20,000)，以上已約定之 條件，系統之管理伺服器101會透過頁面告知使用者老石。網頁接 著顯示「是否輸入徵信資料」頁面207，老石選擇提供徵信資料， 頁面隨即顯示「輸入徵信資料」。 200941386 他將資料透過網頁傳輸至本系統後2〇8，系統之徵信飼服器 1〇3開始針對資料進行分析審核，並計算老石的信用額度209，老石 此時得到20萬元的信用額度，頁面詢問老石是否進行信用增提 他為為額度稍低，因此決定將父母過戶給他的房子提供抵押以 付到信用增提’系統之徵信伺服器1〇3針對信用增提資料再次審核 211，並計算目前為止之信用額度，徵信飼服器103經房屋鑑價後決 =屋^值180萬疋’所以老石共有2〇()萬元之信用額度，根據上 述提到切_職為12G萬元，在其侧财萬元以 内，因此老·利取得聽權，至此完成資金理財的前置作業。 老石若為簡嫩不足的制者，系統之雜伺縣⑽將以 頁面引導老石進仃圖三之步驟，因這部份的步驟較為直觀，在此不 贅述，將_介紹擁有競標翻的老;δ如何進行競標作業。 在第一期截止前（為期-個月），老石皆可以其帳號密碼向網站 登錄以進行競標倾。在老石進人競標健之始，競翻服器ι〇4 詢問老石是否輸人標金4G2，老石即可透過頁面輸入他所希望的標 金’在該賊均老石_可以登錄修改其標金。若老石於前十期 皆無競標，直接進行存独累積資產，針期之平均標金為_〇 ^，因此在第1〇期結束’他已存入182，_元（根據計算式⑼： (20,0〇〇·ι，8〇〇)*1〇 計算而得）。 200941386 若老石因自身的購車需求希望能夠借款，因此在第u期輸入標 金2,000元402，競標舰器104之利率計算模組1〇5立即進行該標 金之利率轉換，該標金所折算出的年借款利率為《μ%(使用計算 式⑴、（2)) ’競標結果決定模組1〇6則根據該利率進行目前系統存 借金流的分析及比對，以決定是否可得標奶。競標結果決定模組 1〇6分析該借款利率過低，無法達成目前純的金流平衡 ，因此拒 〇 絕其投標’並綱老石是否重新輸入409。假設老石選擇重新輸入， 標金為2,500元’利率計算模組1〇5立即進行該標金之利率轉換， 該標金所折算出的年借款利率為563% (使用計算式⑴、⑺），競 標結果決定模組106繼續根據該利率進行目前系統存借金流的分析 及比對405，比對結果為可得標，於是老石在本期即順利以2,5〇〇元 知標，以上即為本發明對弈式之原理，由使用者與系統進行對弈， φ 以自主決定借款利率，而使用者自行決定利率也就是反向交易的精 趙。 競標伺服器104將透過管理伺服器ιοί告知老石此競標結果， 經由前述實施方式提到的總得標金407計算式可知，老石可得到 1，057,500 元（根據計算式(5) : (20,000-2,50(^(60-11)+20,00(^(^) 計算而得）之總得標金。在得標之後的期數，老石只要每期固定償 還20,000元的還款直至結束（根據計算式⑺：20,000)，即可完成 200941386 所有的競標作業。 使用者轉触1G7浦上述聽料轉^ _的總得標 金為卿’500元’老石在交割伺服器1〇8令的共同帳戶襄的個人虛 擬帳號即可查得該筆金_人帳，老石並可隨時透過網際網路 從共同帳戶中將總得標金提至外部銀行，以進行資金運用。 上述實施例以利息先支付為範例據以轉實際實施流程，若為 利息後支付的情況，實施流程也如上述，僅將使用計算式轉換即可， 在此不加贅述。 合上所述，本發明創造一自主性利率對弈式存借系統與方法·， 透過上述之實施方式與實施例，可以達成以下目的： 1. 本發_造-铸借平台魏，讓麵紳款和借款的利率主 張中，浮現市場利率；平台根據此市場指標利率，來做為平台 資金存借的槓桿，以賺取手續費。 2. 本發明創造一個網路銀行直接金融的存借機制，讓會員可以根 據需要成為存款者，賺取利息，或借款者，取得廉價資金，反 映網路科技時代資訊的對稱性、互動性和自主性。 3. 本發明打破傳統銀行業歷史的、靜態的徵信思考，讓客戶得以 動態地創造信用，解決網路銀行徵信的困境。 4. 本發明打破金融電子商務，只存在於個人金融和消費金融迷 21 200941386 障’啤應企業金融铸性的資金需求，並能互動、自主地完全 滿足企業體的資本規模需求。 5.本發师網路科技的基礎上，創造—個額接金融走向直接金 融的資金交易環境，讓資金在自主的、虛擬的資金競價中，走 向完全開放’而且公平、公開的自由資金市場。 6.本發日肢㈣統銀行間接金融資金配置料轉性，讓平么在 資金完全配置的存借效率中，扮演平台角色的 丁，用^矛|| 差，而是以賺取手續費為其主要收入來源。Interest paid first: U_IA„....... After interest payment: 亀........... Where U is the upper limit of bidding; IA„ is based on bidding, result determination module 1 〇6 The deposit amount of the user calculated from the deposit rate determined in (10). The user has the f mark 35 unsuccessful standard 'deposit calculation, from the interest payment order, there are two calculation formulas of 200941386: interest payment: .................. ................................................. 11) Pay after interest, ...................................... ............................ Among them, U is the upper limit of bidding; ❹ IHJ is the highest of the lang The standard gold. Paying the server 1〇8. The user settlement module 1〇7 executes the total bid and the deposit amount is 10, and then the 10th result is notified to the cutting service device 1〇8, and the delivery feeding device (10) is established-common Accounts, a total of 'inside the home will be set up for all users - individual virtual account number of the account is to make money between the financial system, and the external bank provided by the miscellaneous number of individuals to the system, as user funds The user will flow out into the system. If the user has not obtained the bid or the standard has been awarded to the system, the user will complete the payment through his own practice number; the secret will be the user of the standard. If the standard gold is obtained at the age of the virgin, the system can use the Internet to make the money to the bank that is difficult to belong at any time. The above mentioned delivery service device 108 will be established. _The common account can also be outsourced in the actual operation of the joint account. For example, if it cooperates with a specific financial institution, the delivery of the ship lake will become the common account of the sub-committee and the feeding device of all virtual accounts, because of this practice and this Invented the '200941386's better real money without the same * Therefore, it is still within the scope of the invention. Figure 1 is a flow chart of the operation of the autonomous interest rate game of the present invention: the management server 101 receives the application data input by the reader 2〇1, the user information processing feeding service 1〇2 immediately check the application data 2〇2, if not, the user directly leaves the system 203; if passed, the user information processing server 1〇2 issues the user account and password, delivery The server 108 issues a virtual account number to the user 2〇4, and the user can log in to the system 2G5 by using the account number and password. After logging in, the user can input the bidding condition 206, which can be set by the user, or The system can set restrictions on various bidding conditions to reduce the combination of conditions. After that, the latter can choose whether to input the credit information 207. The purpose of the credit information is to obtain the reliability for bidding. If not, the system can only be used in the system. If the user chooses to enter the credit information 2G8, the credit server 1〇3 and the data review 209 to determine the user's credit limit, if the user's O l quota is not less than According to the bidding quota determined by the # bidding conditions, the user can pass the audit 'and'|subscribe with the person and the bidding; if the amount is not enough, the user will be asked whether to increase the money data 210 to make up the place. If the user chooses the credit increase, the user will review the general information again. If the credit limit is sufficient, the user will enter the bidding operation of the system. If it is still insufficient, it can be repeated, or ask the user whether to re-elect the bidding conditions. 212, re-election bidding conditions can reduce the amount of bidding required to meet their own credit limit, if you choose to return to the bidding condition selection page 2〇6; if you do not re-select, you need to leave the system 2009 203 to open the system 203. If the user does not intend to add credit, the user is directly asked whether to re-select the bid condition 212, and if it is re-selected, it returns to the listening condition selection page 206; if it is not re-selected, it needs to leave the system 203. Figure 3 is a bidding flow chart for users without bidding system: if the bidding starts, the right user (that is, the user who does not have enough credit) must wait for the bidding to end, and calculate the deposit deposit according to the given deposit interest rate. The amount is 3〇2, and the ten-count of the deposit amount is executed by the user settlement module 1〇7. After that, the credit card server 1〇3 calculates the credit line currently accumulated by the user. The system determines whether the user without the bidding right can determine whether the user has no bidding right according to whether the accumulated credit line is not less than the required bid amount 304. After the acquisition of the bidding right; if the cumulative reliability is not less than the new standard sensitivity, the delivery word server 108 notifies the user of the settlement result and the credit information server 1〇3 notifies that the bidding information can be notified and the notification is completed. Job milk; if the cumulative letter _ is less than the required bid amount 'the customer is notified by HXG8 of the settlement result and the delivery operation 306 is performed. Among them, the required bidding quota is the total requirement of the user to participate in all bidding combinations. 'Each bidding combination quota is calculated by multiplying the upper limit of each thief by the remaining number of periodics', which is added to the total office. Need to bid for the amount. Figure 4 is a bidding flow chart for users with bidding rights: After the bidding starts 4〇1, the user can choose whether to input the standard gold 4〇2 'If not input, wait for the bidding to end, use 16 200941386, σ calculus Group 1〇7 calculates the deposit amount and amount according to the given deposit interest rate. The calculation method can refer to calculation formulas (3), (4), (9) to (9), and the delivery ship (10) notifies the user of the settlement result and carries out the calculation. The delivery operation 404; if the user subscripts, the interest rate calculation module 1〇5 first calculates the borrowing calculation method corresponding to the subscript standard, and can refer to the juice calculation formulas (1) and (2). After the interest rate is obtained, it is submitted to the bidding and result decision module (10) to read the standard 4〇5 ’ to decide whether to let the user win the standard 4〇6. The winning bid analysis is mainly based on the system's stomach gold level, gold flow and deposit and borrowing, to defraud whether the borrowing rate calculated by the bidding standard is in line with the current standard. That is, the so-called game method of the present invention, the user presents the standard gold (that is, the desired loan interest rate), and then the system determines what the standard is worth (ie, meets the target _ residual, gold transfer and deposit and loan interest) This kind of deposit and lending method determined by the user is also a kind of reverse transaction, which breaks through the one-sided trading method in which the banking industry determines the interest rate. The record of the standard is not available, and the system will not re-enter the standard. 9. δ re-enter; ^ gold must be completed before the end of the period, and this system can be re-entered the order-number limit to avoid infinite input. If the user re-enters, re-new the new The analysis of the standard gold 405; if the selection is not input, the face of the deposit should be calculated according to the unsubscribed subscript standard, and the bidding result is notified to the bidder and the result is calculated. The bid result determination module 106 determines the subscript. The standard can be obtained, and the user settlement module 107 immediately calculates the total amount of the standard 4〇7 (refer to the calculation formulas (3), (6)), and the 17200941386 delivery server 108 notifies the user to calculate the result, and displays the total bid information. Virtual account On 408. The winners will repay the funds according to the calculation formulas (7) and (8) in order to complete the entire fund lending process. The text heretofore will be described as an embodiment, more specifically exposing the invention: After many years in the society, because financial management often caused him trouble, he hoped to find a stable financial management tool. Therefore, he applied to join the platform website of the self-interest rate-based loan system, hoping to maximize personal assets. After applying the application to the website through the personal computer, Lao Shi will display the basic information J page, and the old stone will input the personal basic information into 201. The user information processing server 102 of the system immediately conducts data review. 2, and issue the user account and password, deliver the server 108 and issue the personal virtual account in the common account to the old stone 2〇4. After getting the account password, Laoshi immediately enters the website login 2〇5, and the webpage displays ❹ On the page "Select Bidding Conditions" 206, Lao Shi chooses "profit" based on his salary income, credit limit and expected future use of funds. The bidding combination 206 of the first payment, five years, one month interval, and the unit bidding limit of 20,000 yuan, according to the calculation of the condition, can be known that the required bid amount is 1.2 million yuan (5*12*20,000). The condition, the management server 101 of the system will inform the user through the page. The webpage then displays the "whether or not to input the credit information" page 207, and the old stone selects to provide the credit information, and the page displays "input credit information". 200941386 After the data is transmitted to the system through the webpage, 2〇8, the system's credit information service device 1〇3 starts to analyze and review the data, and calculates the credit quota of Laoshi 209. Laoshi will get a credit limit of 200,000 yuan. The page asks whether Lao Shi has made a credit increase. He is slightly lower in terms of the amount. Therefore, he decided to transfer the parent to his house to provide mortgages to pay the credit increase. The system's credit server 1〇3 for credit enhancement information again. Review 211, and calculate the credit limit so far, the credit information service device 103 after the house price evaluation = house value = 1.8 million 疋 ' so the old stone has a total of 2 〇 () million credit line, according to _ Cut above mentioned post as 12G million in its fiscal side to ten thousand yuan within, so old Leigh made to listen to the right, thus completing the financial capital of Lead. If the old stone is a simple and inadequate system, the system of Zao County (10) will guide the old stone into the steps of Figure 3. Because this part of the steps is more intuitive, I will not go into details here. Old; δ how to conduct bidding operations. Before the end of the first period (for a period of one month), Lao Shi can log in to the website with his account password to bid. In the beginning of the old stone entry bidding, the competition service ι〇4 asks whether the old stone loses the gold standard 4G2, the old stone can input the gold standard he wants through the page. Its standard gold. If Lao Shi did not bid in the first ten periods, he would directly deposit the accumulated assets. The average amount of the needle period was _〇^, so at the end of the first period, he had deposited 182, _ yuan (according to formula (9): (20,0〇〇·ι,8〇〇)*1〇 calculated). 200941386 If Laoshi wants to be able to borrow because of his own car purchase demand, he enters the standard amount of 2,000 yuan 402 in the u period, and the interest rate calculation module of the bidding vessel 104 immediately converts the interest rate of the standard gold. The calculated annual borrowing rate is “μ% (using calculation formula (1), (2)).] The bidding result determination module 1〇6 analyzes and compares the current system deposit and withdrawal flows according to the interest rate to determine whether it is available. Standard milk. The bidding result decision module 1〇6 analyzes that the borrowing rate is too low to achieve the current pure gold flow balance, so it refuses to bid for it and whether the old stone is re-entered into 409. Assuming that the old stone chooses to re-enter, the standard fund is 2,500 yuan. The interest rate calculation module 1〇5 immediately performs the interest rate conversion of the standard fund. The annual borrowing interest rate calculated by the standard fund is 563% (using the calculation formulas (1), (7)). The bidding result determining module 106 continues to analyze and compare the current system deposit and debit flow according to the interest rate, and the comparison result is available, so that in the current period, the old stone smoothly obtained the bid of 2,5 yuan. The above is the principle of the game of the invention, the user and the system play a game, φ to determine the borrowing rate independently, and the user decides the interest rate is the fine of the reverse transaction. The bidding server 104 will inform the old stone of the bidding result through the management server ιοί. According to the calculation formula of the total winning gold 407 mentioned in the foregoing embodiment, the old stone can obtain 1,057,500 yuan (according to the calculation formula (5): (20,000 -2,50 (^(60-11)+20,00(^(^) calculated) is the total amount of the gold. After the number of periods after winning the bid, the old stone only pays a repayment of 20,000 yuan per period until At the end (according to the calculation formula (7): 20,000), all the bidding operations of 200941386 can be completed. The user touches the 1G7 Pu, the above-mentioned listening material turns ^ _ the total winning gold is the Qing '500 yuan' old stone in the delivery server 1 〇 8 orders The personal account of the common account can be found in the account, and the old stone can be used to use the total amount of funds from the common account to the external bank through the Internet for the use of funds. The above embodiment uses interest. The first payment is used as an example to transfer the actual implementation process. If the payment is for interest, the implementation process is as described above, and only the calculation type conversion will be used, and no further description is made here. Interest rate-based lending system and method· Through the above embodiments and examples, the following objectives can be achieved: 1. The _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ As a lever for platform funds to earn a fee. 2. The invention creates a deposit and lending mechanism for online banking direct finance, allowing members to become depositors, earn interest, or borrowers as needed. The funds reflect the symmetry, interaction and autonomy of the information in the era of Internet technology. 3. The invention breaks the historical and static credit thinking of the traditional banking industry, allowing customers to dynamically create credit and solve the problem of online banking credit. Difficulties. 4. The invention breaks the financial e-commerce, and only exists in the personal financial and consumer finance fans. 21 200941386 The barriers to beer should be the capital demand of corporate finance, and can fully and fully meet the capital scale needs of the enterprise. On the basis of the network technology of the founder, create a fund trading environment that goes to finance and direct finance, so that the funds are autonomous and virtual. In the bidding of funds, we will move towards a completely open and fair and open free capital market. 6. The indirect financial fund allocation of the Japanese-born (four) unified bank will allow Ping Ping to play a platform role in the efficient allocation of funds. Ding, with ^ spear | | poor, but to earn a fee as its main source of income.
22 200941386 【圖式簡單說明】 圖一係本發明自主性利率對弈式存借系統之系統圖； 圖二係本發明自主性利率對弈式存借之操作流程圖； 圖三係本發明無競標權利使用者之競標流程圖； 圖四係本發明具競標權利使用者之競標流程圖； ❹ 【主要元件符號說明】 管理伺服器 101 使用者資訊處理伺服器 102 徵信伺服器 103 競標伺服器 104 比對模組 105 利率模組 106 結算模組 107 交割伺服器 108 2322 200941386 [Simple description of the schema] Figure 1 is a system diagram of the autonomous interest rate game-based deposit and withdrawal system of the present invention; Figure 2 is a flow chart of the operation of the autonomous interest rate game-based deposit and withdrawal of the present invention; Figure 4 is a bidding flowchart of the user with bidding rights of the present invention; ❹ [Key element symbol description] Management server 101 User information processing server 102 Credit information server 103 Bidding server 104 ratio Pair module 105 interest rate module 106 settlement module 107 delivery server 108 23