TW201909082A - Obligatory claim transaction method and system for performing an obligatory claim transaction on an obligatory claim platform among a plurality members - Google Patents

Abstract

The present invention provides an obligatory claim transaction method for performing an obligatory claim transaction on an obligatory claim platform among a plurality members, each having an obligatory claim value and a credit limit value. The method includes the steps of: (a) the obligatory claim platform providing a target fund value; (b) the members submitting requests for acquiring the target fund value to the obligatory claim platform; (c) determining a relationship between an evaluation value of the sum of the obligatory claim values and the target fund values and the credit limit values of the members who submitted the requests and, when the evaluation value is less than the absolute value of the credit limit value, determining a winning member according to a bid winning condition, and allowing the winning member to obtain the fund target value; (e) updating the obligatory claim value of the winning member; (f) allowing the remaining obligatory claim value of each of the members to amortize obligatory claim values according to an allocation condition; (g) updating the credit limit value of the winning member; and (h) ending the transaction cycle. In addition to the method, the present invention also provides an obligatory claim transaction system.

Description

Debt trading method and system thereof

The invention relates to the technical field of debt transaction, in particular to a credit transaction method and system for conducting a credit transaction between a credit platform and a plurality of members.

In order to promote the use and flow of funds, users can make loans through the banking financial system. However, users often need to have collateral, guarantors and other complicated procedures to borrow through the banking financial system, and the evaluation time of the entire loan is time-consuming and lengthy.

Therefore, with the popularity of the Internet, online instant lending websites have sprung up. However, due to the lack of business models, credit evaluation, and excessive borrowing, the aforementioned websites have also caused a large number of closures and closures.

In view of this, the present invention proposes a credit transaction method and system thereof, which can solve the blind spot of the prior art.

A first object of the present invention is to provide a creditor transaction method for conducting a credit transaction between a creditor platform and a plurality of members to achieve the purpose of using the creditor's right to conduct a transaction.

The second object of the present invention is to provide the aforementioned creditor transaction method, so that the members can set the maximum allowable deduction amount of the repayment according to their own ability, so as to achieve the purpose of flexibly obtaining the creditor's value.

The third object of the present invention provides the foregoing creditor transaction method, which can evaluate the credit value and the credit limit value of the members (the different members have different credit lines according to their credit ratings), so as to reduce the risk.

The fourth object of the present invention provides the foregoing credit transaction method, which can provide an internal standard mode and an external standard mode for the members to conduct debt transaction according to their own conditions.

A fifth object of the present invention is to provide the foregoing creditor transaction method, which provides a specific account to store at least a part of the creditor value of the members, so as to preferentially pay the winning bidders, so as to avoid the fact that the bidders of the certain period of the bid are all below zero. .

The sixth object of the present invention provides the foregoing credit transaction method, which can split the maximum capital supply ceiling into a combination of several different amounts of money, so that the value of the plurality of funds is simultaneously performed in the same period of the transaction period, and the maximum capital supply limit is when The sum of the maximum allowable deductions for these members.

A seventh object of the present invention is to provide a credit transaction system for conducting a creditor transaction with a plurality of members.

To achieve the above and other objects, the present invention provides a credit transaction method for a debt transaction between a creditor platform and a plurality of members (MS). Each of the members (MS) has a credit value (X) and a credit limit value (C). The creditor trading method includes: (a) the credit platform provides at least one fund target value (N), wherein the fund target value (N) corresponds to a trading cycle; and (b) at least one of the members (MS) obtains the creditor platform. (c) the request of the fund's target value (N); (c) the lending platform to determine the claim value (X) of the member making the request and the value of the fund target (N) plus an evaluation value (E) and the credit limit value (C) Relationship, when the evaluation value (A) is less than the absolute value of the credit limit value (C), then step (d) is performed, and when the evaluation value (E) is greater than the absolute value of the credit limit value (C), then the value is returned (d) According to a condition of winning the bid, the creditor platform decides the winning member from the requesting member (MS), and the winning member can obtain the value (N) of the member (M); ) Add the total (#) of the winning member (M') and the negative value (-N) of the fund, and update the claim value (X) of the winning member (M') to another claim (XN) (f) the creditor's platform will amortize the creditor's value (X) of each of the remaining members (MS-M') according to an allocation condition (XN); (g) will be the winning member (M') credit limit value (C) The new credit line is another value (C-N); and (h) the end of the trading period.

To achieve the above and other objects, the present invention provides a credit transaction system that performs a credit transaction with a plurality of members. The credit transaction system includes a fund target module, a member module, a request module, a selection module, and a transaction module. The fund target module provides a value for the fund. The member module is used to set a credit limit value and a maximum allowable deduction amount for each of the members. Among them, each of these members has a claim value. The request module connects to the member module. The request module is for each of the members to make a transaction request. Among them, the transaction request contains a standard value. Select the module connection request module. The selection module receives the transaction request of the members, and sets the member as a winning member according to the winning condition, and updates the credit value of the winning member to another credit value and updates the credit value of the winning member. For another credit line value. The transaction module connects the selection module with the fund target module. The transaction module amortizes the creditor's value of each of the remaining members according to an allocation condition.

Compared with the prior art, the present invention provides a credit transaction method and system thereof, which enables a plurality of members to conduct creditor's rights transactions in a credit platform (or a creditor trading system), and according to the credit value, credit limit value, and maximum allowable value of the members. Parameters such as the amount of deductions to reduce the risk of debt trading between the creditor platform and those members. It is worth noting that the credit transaction method and system provided by the present invention can be applied to the bidding method. The standardization mode under the framework of the present invention is different from the traditional standardization mode. Under the framework of the present invention, the following differences exist:

(1) There is no head/tail type.

(2) The member shall customize the maximum allowable deduction amount value, and the value of the fund target is related to the sum of the maximum allowable deduction amount of all members.

(3) Each of these members has a different number of repayment periods in accordance with the maximum allowable deduction amount.

(4) Establish a credit line value for each of these members and provide different credit line values based on the member's credit rating.

(5) It is still possible for the winning member to continue to submit a request for the value of the fund to the creditor platform.

(6) The value of the fund target can be divided into one or more fund target values in the same trading cycle, and the members are accepted to make separate requests, that is, the members can separately obtain funds in different fund target values. Request for the value of the target.

(7) When the creditor's value is positive, that is, the member does not generate debt on the creditor's platform. If the member wins the bid, the creditor's platform will prioritize the positive value of the creditor's right from a specific account.

In order to fully understand the objects, features and advantages of the present invention, the present invention will be described in detail by the following specific embodiments and the accompanying drawings.

Please refer to FIG. 1, which is a flowchart of a credit transaction method according to a first embodiment of the present invention. In Figure 1, the creditor trading method is for a debt transaction between a creditor platform and a plurality of members (MS). The definition of the aforementioned credit transaction includes the right generated by cash lending, the amount of cash borrowing, the point transaction, the credit transaction, etc., that is, the credit transaction refers to the transaction behavior generated by the borrower, the lender and the creditor platform, including the creditor's rights and debts. Each of the members (MS) has a credit value (X) and a credit limit value (C).

The credit transaction method starts at step S11, and the credit platform provides at least one fund target value (N). The value of the fund target (N) corresponds to a trading period, for example, the trading period may be seconds, minutes, hours, days, weeks, months, quarters, years, and the like. The value of the fund target may be determined in advance or according to the credit value (X), the credit limit value (C), and the maximum allowable deduction amount (M) of each of the members (MS).

In another embodiment, before the step S11, each of the members (MS) may further set a maximum allowable deduction amount (M). It should be noted that in another embodiment, the maximum allowable deduction amount (M) of each of the members (MS) may be preset by the credit platform. In addition, in order to avoid the risk of the creditor platform, in the case of risk control, the creditor platform can set the total value of the fund target value (N) not greater than the total allowable deduction amount (M) of the member (MS).

In another embodiment, before the step S11, the credit card platform may further include an initial credit limit value (C) for each of the members (MS). Among them, the credit line value (C) can calculate or calculate the credit line based on the payment records of the members (MS), the payment records of the credit platform, external credit ratings, collateral, collateral, bank deposits, transaction records, etc. value.

In step S12, at least one of the members (MS) requests the creditor platform to obtain the value (N) of the fund target. Here, the members (MS) can selectively request the creditor platform to obtain the value (N) of the fund according to their own demand for funds.

In step S13, the lending platform determines the relationship between the claim value (X) of the member requesting the request and the value (N) of the fund target value and the credit value (C). Wherein, the relationship between the evaluation value (E) and the credit limit value (C) is judged, and the purpose thereof is to prevent the members (MS) from exceeding the credit limit value in the process of obtaining the value (N) of the fund target (C) ), and there is a risk of not being able to pay. When the evaluation value (A) is less than the absolute value of the credit limit value (C), step S14 is performed, and when the evaluation value (E) is greater than the absolute value of the credit limit value (C), the request for returning to the member (MS) is returned. .

In step S14, according to a winning condition, the creditor platform determines the winning member from the requesting member (MS). Among them, the winning member is the member (M) who can obtain the value (N) of the fund target. For example, the winning condition further includes an internal standard mode and an external standard mode. The internal standard mode and the external standard mode are among the members (MS) who make the request, and choose the highest one who proposes a gold value (Z) as the winning member.

In the internal standard mode, the part on the winning member includes the following contents: (1) the value of the winning target (N) minus the standard value (Z); (2) the winning member according to the winning member platform The value of the fund target (N) divided by the maximum allowable deduction amount (M) determines the number of the first period; and (3) in each period, the winning member submits the maximum allowable deduction amount (M) to the credit platform until The credit value (X) of the target member on the credit platform is not less than zero.

In the external standard mode, the part on the winning member includes the following contents: (1) the value of the winning target obtained by the winning member from the platform of the debt (N); (2) the winning member is divided according to the value of the target (N) The maximum allowable deduction amount (M) determines the number of one period; and (3) in each period, the winning member submits a sum of the maximum allowable deduction amount (M) and the standard value (Z) to the credit platform. Value, until the winning member's claim value (X) on the credit platform is not less than zero.

Whether using the internal standard mode or the external standard mode, at least part of the remaining credit value (X) of each member (MS-M') can be transferred to a specific account of the credit platform for priority in future The creditor's value (X) is a positive winning member. In another embodiment, each of the remaining members (MS-M'), and in particular members who have previously won the bid before the previous or current period. For example, if the winning member has a creditor's value of 100 for the creditor platform, it means that the winning member has no debt on the creditor's platform and has a credit of 100. When the winning member wins the bid, the credit platform preferentially allocates 100 credits from the specific account, so that the winning member's credit value is 0, and the credit value is further based on the amount of the winning bidder's target value. Negative value, and each of the remaining members (MS-M') shares its negative value of the claim.

Step S15, adding the credit value (X) of the winning member (M') and the value of the capital target (-N) of the negative value, and updating the claim value (X) of the winning member (M') to another claim. Value (XN). Here, since the winning member obtains the value of the fund target value (N), the original claim value (X) needs to be adjusted, so that the adjusted credit value is adjusted from the original X to X-N.

In step S16, the creditor platform appends the credit value (X) of each of the remaining members (MS-M') to the claim value (X-N) of the winning member (M') according to an allocation condition. Here, each of the remaining members may include a member who has been a winning member or has not yet won the bid.

In the internal standard mode, the part of the unqualified member or the member who has not made the request is allocated the value of the fund (N) minus the value of the standard (Z), and divided by each of the remaining members (MS). -M') to amortize the claim value (XN) of the winning member (M').

In the internal standard mode, the part of the unsubscribed member or the member who has not requested the allocation is the value of the fund target (N) divided by each remaining member (MS-M') to amortize the winning member. The credit value (XN).

In step S17, the credit limit value (C) of the winning member (M') is updated to another credit limit value (C-N). Here, since the winning member (M') obtains the value of the fund target value (N), the original credit limit value (C) needs to be adjusted, and the adjusted credit line value is adjusted from the original C to C-N.

In step S18, the transaction cycle is ended.

Please refer to FIG. 2, which is a block diagram of a credit transaction system according to a second embodiment of the present invention. In FIG. 2, the credit transaction system 10 performs a credit transaction CT with a plurality of members 2.

The debt transaction system 10 includes a funded module 12, a member module 14, a request module 16, a selection module 18, and a transaction module 20.

The funded module 12 provides a capital value of N.

The member module 14 is capable of setting a credit limit value C and a maximum allowable deduction amount M for each of the members 2. Each of the members 2 has a claim value X.

The request module 16 is connected to the member module 14. The request module 16 is for each of the members 2 to submit a transaction request TR. The transaction request TR includes a gold value Z.

The selection module 18 is connected to the request module 16. The selection module 18 receives the transaction requests TR of the members 2, and sets the member 2 as a winning member 2' according to a winning condition, and updates the claim value 2 of the winning member 2' to another claim value. (XN) is updated with the credit limit value C of the winning member 2' to another credit limit value (CN).

The foregoing winning condition may further include an internal standard mode and an external standard mode. The internal standard mode and the external standard mode may set the highest value of the gold value Z in the transaction request TR as a winning member, or the selection module directly designates one of the members 2 as the winning member 2'.

The transaction module 20 connects the selection module 18 with the funded module 12. The transaction module 20 amortizes the credit value of each of the remaining members 2 according to an allocation condition to the credit value of the winning member 2'.

In the internal standard mode, the winning member 2' from the trading module takes 20 the value of the fund target N minus the standard value Z, and the winning member 2' is divided by the value of the fund target N by the maximum allowable deduction amount M. The number, and in each period, the winning member 2' submits a maximum allowable deduction amount M to the trading module. Among them, the distribution condition is the value N of the fund target divided by each remaining member to amortize the credit value (X-N) of the winning member 2'.

In the external standard mode, the winning member 2' obtains the value of the fund target N from the trading module 20, and the winning member 2' divides the value N of the fund by the maximum allowable deduction amount M to determine the number of the first period, and in each period, The winning member 2' submits a sum total value of the maximum allowable deduction amount M and the standard value Z to the transaction module 20. Wherein, the distribution condition is the value N of the fund target divided by each of the remaining members 2 to amortize the credit value (X-N) of the winning member 2'.

In another embodiment, the claims transaction system 10 further includes a specific account module 22. The specific account module 22 stores at least a portion of the remaining credit value X of each of the members 2. When the claim value 2 of the winning member 2' is a positive value, the winning member preferentially obtains the claim value X from the specific account module 22.

The invention has been described above in terms of the preferred embodiments, and it should be understood by those skilled in the art that the present invention is not intended to limit the scope of the invention. It should be noted that variations and permutations equivalent to those of the embodiments are intended to be included within the scope of the present invention. Therefore, the scope of protection of the present invention is defined by the scope of the patent application.

S11-S18‧‧‧ method steps

2‧‧‧Member

2'‧‧‧Best members

10‧‧‧Debt trading system

12‧‧‧Capital module

14‧‧‧Member module

16‧‧‧Request module

18‧‧‧Select module

20‧‧‧Transaction module

22‧‧‧Specific Account Module

N‧‧‧ fund target value

C, C-N‧‧‧ credit line value

M‧‧‧Maximum allowable deduction amount

X, X-N‧‧ ‧ credits

TR‧‧ transaction request

Z‧‧‧ gold value

CT‧‧‧Debt transaction

1 is a flow chart of a credit transaction method of a first embodiment of the present invention. Figure 2 is a block diagram of a credit transaction system in accordance with a second embodiment of the present invention.

Claims (17)

A credit transaction method for a debt transaction between a creditor platform and a plurality of members (MS), wherein each of the members (MS) has a claim value (X) and a credit limit value (C), The method of debt transaction includes: (a) the credit platform provides at least one value of the fund (N), wherein the value of the fund (N) corresponds to a trading cycle; (b) at least one of the members (MS) to the claim The platform proposes to obtain the value (N) of the fund target; (c) the lending platform determines the evaluation value (E) of the member's claim value (X) and the fund target value (N) And the relationship of the credit limit value (C), when the evaluation value (A) is less than the absolute value of the credit limit value (C), performing step (d), and when the evaluation value (E) is greater than the credit limit The absolute value of the value (C) is returned to the request of the member (MS); (d) according to a condition of winning the bid, the credit platform determines the winning member from the requesting member (MS), where the winning bid The member is the member (M) who can obtain the value (N) of the fund's target value; (e) the total credit value (X) of the winning member (M') and the negative value of the fund target a value (-N), and the claim value (X) of the winning member (M') is updated to another claim value (XN); (f) the creditor platform allows each of the remaining ones according to an allocation condition The credit value (X) of the member (MS-M') is amortized (XN); (g) The credit value (C) of the winning member (M') is updated to another credit value (CN) ); and (h) end the trading cycle. The claim transaction method as claimed in claim 1, wherein the winning condition further comprises an internal standard mode and an external standard mode, wherein the internal standard mode and the external standard mode are the members who are requesting (MS) Among them, the highest person who proposes a gold value (Z) is selected as the winning member. For example, in the claim transaction method described in claim 2, step (i) is further included before step (a), and each of the members (MS) sets a maximum allowable deduction amount (M). For example, the claim transaction method described in claim 3, wherein the total value of the fund target value (N) is not greater than the total allowable deduction amount (M) of the member (MS). For example, in the claim method of claim 3, wherein in the internal standard mode, the winning member obtains the value of the fund target (N) from the credit platform minus the standard value (Z), The standard member determines the number of the first period by dividing the value of the fund target (N) by the maximum allowable deduction amount (M), and submits the maximum allowable deduction amount to the credit platform in each period (M) ). The claim transaction method as claimed in claim 5, wherein the allocation condition is the value of the fund target (N) minus the standard value (Z), and divided by each remaining member (MS-M' ) to amortize the claim value (XN) of the winning member (M'). For example, in the claim method of claim 3, wherein the winning bidder obtains the value of the fund target (N) from the creditor platform, and the value of the winning member according to the fund target (N) Dividing by the maximum allowable deduction amount (M) to determine the number of the first period, and in each period the winning member submits the maximum allowable deduction amount (M) and the standard value (Z) to the credit platform. A sum value. For example, the claim transaction method described in claim 7 wherein the allocation condition is that the value of the fund target (N) is divided by each remaining member (MS-M') to amortize the winning member (M) ') The credit value (XN). The claim transaction method of claim 5 or 7, wherein the remaining credit value (X) of at least a portion of the member (MS-M') is transferred to a specific account of the credit platform. For example, in the claim transaction method described in claim 9, wherein the winning member (X-N) is a positive value, the winning member takes precedence over the value (N) of the fund target of the specific account. For example, in the claim transaction method described in claim 1, the step (a) is further included before the step (a), and the credit platform sets the initial credit value (C) of each of the members (MS). A creditor trading system performs a creditor transaction with a plurality of members. The creditor trading system includes: a fund target module that provides a value of a fund target; and a member module that sets a credit limit value for each of the members. a maximum allowable deduction amount, wherein each of the members has a claim value; a request module is connected to the member module, the request module is for each of the members to make a transaction request, wherein the transaction request includes a bid a selection module, which is connected to the request module, the selection module receives the transaction requests of the members, and sets the member as a winning member according to a winning condition, and the claim of the winning member The value is updated to another creditor value and the value of the winning member's credit line is updated to another credit line value; and a transaction module is connected to the module of the selection module and the fund target, the transaction module is based on an allocation condition The remaining claims of each of the members amortize the creditor's value of the winning member. For example, the claim transaction system described in claim 12, wherein the winning condition further includes an internal standard mode and an external standard mode, so that the highest bidder value in the transaction request is set as a winning member. Or the selection module directly designates one of the members as the winning member. The claim transaction system of claim 13 further includes a specific account module that stores at least a portion of the remaining credit value of each of the members. For example, in the claim transaction system described in claim 14, wherein the winning member has a positive value, the winning member preferentially obtains the claim from the specific account module. The claim transaction system of claim 13, wherein in the internal standard mode, the winning member obtains the value of the fund target from the transaction module minus the standard value, and the winning member according to the fund target The value is divided by the maximum allowable deduction amount to determine the number of one period, and in each period, the winning member submits the maximum allowable deduction amount to the transaction module, wherein the allocation condition is the value of the fund target divided by the remaining Each of these members amortizes the value of the claim. The claim transaction system of claim 13, wherein in the external bid mode, the winning member obtains the value of the fund target from the transaction module, and the winning member divides the value of the fund target by the maximum allowable value. The deduction amount determines the number of the first period, and in each period, the winning member submits a sum of the maximum allowable deduction amount and the bid value to the transaction module, wherein the allocation condition is the value of the fund target divided by Each of the remaining members to amortize the debt value.