TW482969B - Self-determined credit loan service system and method - Google Patents

Abstract

A self-determined credit loan service system and method, of which the total amount of loan granted is based upon the credit. Said system allows the clients to set their own interest rates in order to bid for loans between themselves. The self-determined credit loan service system consists of following components: a data sending/receiving module, an identification verification module, a loan bid formation module, a loan bid competition module, and a loan bid result dispatching module. Furthermore, this self-determined credit loan service method is part of patent as well.

Description

V. Description of the Invention (1) [Field of Invention] The invention relates to a method of credit loan service system, which is especially presented; ^ it for a specific object in a bank, or enterprise group such as life insurance, etc. The amount of credit, and under the guarantee of the credit limit held by it, can be used by JK to use the loan amount or the loan interest rate of the independent credit fund services and methods. [Knowledge technology] 'Whether it is a bank or a specialized insurance company or group in the country, if it wants to make a loan, it is nothing more than credit information to the funder, and then it will be in the interests of the company or the entity. The interest rate lends the money in their hands. The biggest disadvantage of this credit model is that the lender cannot determine the interest rate of the loan amount. In addition, when the lender has a certain credit limit in a bank, or a corporate group such as life insurance, the current credit model cannot flexibly use the lender's credit limit (time deposit, remaining balance of collateral, etc.) to provide loans. To make convenient credit loans. As mentioned above, for lenders who already have a certain credit limit in a bank, or a corporate group such as life insurance, if they want to make a credit loan, they do not need to seek credit from a bank or a corporate group such as life insurance. The issue of loans, and the interest rate of loans can be determined according to their own interests. In other words, a credit loan service system that can make loans without going through the credit reporting process and can determine the interest rate of its loan line according to its own interests should be quite convenient for lenders with a certain credit line. In addition, with the development of Internet and wireless communication technology in recent years,

482969

Information circulation is also convenient and fast. In addition to the drastic changes in ordinary people's daily lives, it also has a tremendous impact on various industries. Of course, for banks and life insurance companies, it is impossible to avoid such changes and shocks. Therefore, if the above service system can be combined with the Internet or wireless communication technology to further provide convenient and secure credit loan services, it is another subject that the industry must develop. [Summary of Invention]

In view of the above problems, a main purpose of the present invention is to provide a safe and convenient autonomous credit loan service system and method thereof. The main feature of the present invention is to use the credit line possessed by the lender as a guarantee to ensure the security of the loan. In addition, by means of bidding, the lender can determine the loan interest rate and the loan amount.

In order to achieve the above object, the present invention provides an autonomous credit loan service system that can be used by a specific object (lender) with a certain credit limit, wherein the specific object is given a certification identification information in advance, and the system includes A data transceiver module, an authentication module, a specific bidding group forming module, and a bidding module. The data transceiver module receives the authentication identification data sent by the specific object; the authentication module is based on the above. Authentication identification data to confirm the identity of the specific object; the specific bidding group formation module forms a specific bidding group with a specific bidding mode, and the specific bidding group is based on the number of specific objects certified by the authentication module to two The bidding module is formed when the above specific bidding group is formed, and is used by each specific object constituting the special bidding group for credit loan bidding activities,

V. Explanation of the invention (3) The results of its bidding activities are sent to the specific objects of the bidding group via the above-mentioned data sending and receiving module. In addition, the above-mentioned autonomous credit loan service system also includes a group ^ f ', which is used to generate different bidding groups, & bidding group: 2 temple-based bidding model, the above specific objects are based on their presentation Two " 有 度 来 选 # is suitable to participate in m $ to form a specific bidding group by using the amount of the module to form a bid. In addition, the present invention also provides a main type of credit loan servicer that includes a pair of authentication object identification procedures for a given object with a predetermined credit limit-authentication identification ^, and a specific object for the above-mentioned specific objects: ^ The credit loan bidding provided by the above-mentioned main credit loan service system ^, the loan credit bidding bidding participation procedure. τ Judong uses the above system and method. Since the present invention uses the original credit limit of the lender: as a guarantee, this bidding mode is worthwhile: Gao Nvquan = bidding mode. In addition, because the present invention is borrowed The bidding method determines the loan amount 'cause &' The lender can determine the loan interest rate by itself. In addition, since a specific object can be provided with a credit loan service at any time by using technologies such as the Internet or wireless communication after being given an authentication identification, the autonomous credit loan service system and method of the present invention is < For the purpose of convenience. [Detailed description of the preferred embodiment] When specifically describing the autonomous credit loan service system of the present invention, it must be stated in advance that the use of the autonomous credit loan service system of the present invention

Page 7 V. Description of the invention (4) The user must hold in advance-a credit line, a guarantee of activities. For example, when a certain bank is bidding for a Lingjia credit loan with a fixed deposit or a special object (individual or legal person) is in value, the bank relies on the specific object ^ Residual price identification information 'The identification information of this certification identifies the identity of the credit line to be allocated, and the number of credits held by the account holder τ, which can be used by the system. It can be given along with the benefit of 2 lines-the authentication identification information is worth mentioning, when the bank to a certain-the system of the present invention. In addition, afterwards, 'the bank has the right to charge a service fee for the credit held by a particular object to the identity of a particular object for certification and identification, for example, the bank has the right to generate its fixed deposit interest rate period deposits' Then the term of the fixed deposit is amended to a specific pair at the same time and the specific object is limited (for example, 2 years); for example, when the residual value of the collateral of a bidding activity that a special caterer wants to participate in is generated, the two banks hold Λ of Λ Usage: The interest is charged by the converted credit line. Yinchao on residual value This method is also applicable to other owners; for example, take the bank as an example. A two-diagram scheme is used to specifically describe a preferred embodiment of the autonomous credit service system of the present invention. & person = As shown, the independent credit loan service of the present invention is to subcontract two-shell material receiving and exchange group U, an authentication module 12, a specific bidding group to form a branch group 1, 3, and a bidding module 丨4. The breeding and receiving module 11 receives the detailed identification and identification of poor materials sent by the above-mentioned specific object 2. In this embodiment, the authentication identification information may be a code group of poor materials or electronic signature data, among which the password group Information or electronic signature page 8 ^ 2969 V. Description of the invention (5) The material contains the credit limit of the specific object 2. It is worth mentioning here that the above-mentioned data transceiver module 11 uses the wireless communication method Qap), the Internet communication method, the wired telephone communication method, the automatic bank transfer machine (ATN), the Internet appliance (IA), and Portable electronic secretary device (pda), etc. to send and receive data. The authentication module 12 is to confirm the identity of the above-mentioned special object according to the above-mentioned authentication identification information. When the identity is confirmed, the above-mentioned specific object 2 can enter the specific bidding group formation module described later, and enter the credit loan. Bidding > Tongue Move. The specific bidding group formation module 3 is used to form a specific bidding group with a specific bidding, =. In this embodiment, the so-called specific bidding mode = focusing on the bidding deadline, the number of bidding periods, the bid quota, and the bottom bid. For example, 'a particular bidding model of a particular bidding group may specify: a bid period of 2 years, 24 bidding periods, a bid limit of 20,000, a bottom bid of 1 On a specific day of each month, the bidding will be performed: outside the 1st, the specific bidding group is formed when the number of objects protected by the certification module 12 accumulates to a predetermined number, and the above specific bidding ^ = is For example, 'the above predetermined number can be set to 24 people, and it must be particularly emphasized here that before the number of participants is counted', this particular bidding group forms module 1 and 3 series; The recorded letter Lalu Γ = No is greater than or equal to (the number of bidding periods * the bidding amount of the period); when the specific module 3f ', the above specific data is sent to the above-mentioned specific bidding through the data transceiver module 1 1 (the bidding period, Number of bidding periods, bidding quota, bottom T (View 7 ^ day) to the specific pairs that make up the specific bidding group

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5. Description of the invention (6) Elephant. The bidding module 14 is based on the above-mentioned specific bidding day offenders # + each specific object of a specific bidding group to perform a second loan of credit, for the formation of the loan bidding activity refers to the formation of the specific bidding button ^ = action, the credit benefits Show the amount of bid, for example, the bottom bid is 丨 〇 Kailuo, according to its own object, this amount can be used as a standard to bid upwards, every time a certain number (such as 1 60 0) is the winning bidder, the winning bidder = The highest amount of people (total amount)) is 23 * (2000 0- 1 600) yuan, the amount (may have to pay 20,000 to the one-time winner; the bidding activity: the second bidder will get the total amount) According to the above-mentioned data transceiver module, the eight Q results (the private party and the specific objects of the bidding group. Another way to win the bid is to cut out & ^ into the specific bidder, for example, the base bid is 20000 0 Yuan, then each turn — the lowest of the ^ winners — the amount is the standard downward magic, all the lowest number of people and the object can be 1 8 5 0 0) is the successful bidder, at which time the successful bidder can Loan A (for example, amount)) is 23 * 1 8500 yuan, and the winner of the bid is too high = item (the winner is always given to the next winner, then The bidding method is not limited to the method of autonomously determining the interest rate. 'Upper construction method' / As mentioned above, the autonomous credit loan service of the present invention includes a bidding group generation module 15 as shown in FIG. 2, The department, the first, and the more competitive bidding group, each bidding group has a specific bidding mode to be angry: the elephant is based on its credit line to choose its suitable to Γ, Γ by: The bidding group forming module 13 forms a-special i; bidding group. In other words, the double-heading group generating module 15 can be based on a plurality of bidding groups with a specific bidding mode, such as:

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m ^ # i5〇〇7t; etc .: For the last two periods of 12 periods, the bid limit of 20,000, the base bid of 500 yuan and: the iif bid group forming module 13. Collection and Payment Module Month: Two main types, using the loan service system can also include 〆it automatically deduct the tender amount from the account of the non-winner according to the bid amount; in the account, of course, the payment details Is the system of S itself '

丨 ί is the specific Γ4 μ of the autonomous credit loan service system of the present invention. Regarding the autonomous credit loan service method of the present invention, it is intended to explain the eighth aspect of the autonomous credit loan service method of the present invention in advance. Since the related concepts of the autonomous credit loan service method of the present invention are similar to the various functions of the above-mentioned autonomous credit loan service system, in order to avoid redundant descriptions, the following describes the important parts of the autonomous credit loan service method of the present invention. .

As shown in FIG. 4, the autonomous credit loan service method of the present invention includes a certification identification data providing program 21 and a credit loan bidding activity participation program 22, wherein the certification identification data providing program 2 A specific object of a credit line is given an authentication identification information. For the given principles of identification & identification information, please refer to the foreword of the specific description of the autonomous credit loan service system of the present invention; the credit loan bidding activity participation procedure 2 2 is for The above-mentioned specific object participates in a credit loan bidding activity provided by the above-mentioned main credit loan service system i.

Page 11 482969

V. Description of the invention (8) FIG. 5 shows another autonomous credit loan service method of the present invention. As shown in the figure, the autonomous credit loan service method includes a data sending and receiving program 31, an authentication program 32, a The specific bidding group formation procedure 33 and the second bidding procedure 34. The operation of each of the above procedures is substantially the same as the above-mentioned data receiving module 11, authentication module 12, specific bidding group forming module 13, and bidding & group 14, so detailed descriptions thereof are omitted here. v. In addition, FIG. 6 shows another autonomous credit loan service method of the present invention. As shown in the figure, the autonomous credit loan service method includes a material sending and receiving program 31, an authentication program 32, and a specific bidding group. The forming process, 33, a bidding procedure 34, and a bidding group generation procedure 35. The operation of the above procedure is substantially the same as the above-mentioned data transmitting and receiving module u, authentication module specific bidding group forming module 13, bidding module 14, and bidding 15. Therefore, detailed descriptions thereof are omitted here. The second method shown in Figure 7 is not another autonomous credit loan method of the present invention. As shown in the figure, the autonomous credit loan service method includes-a sending and receiving procedure 31,-authentication procedure 32, and-a specific bidding group formation process ^枓-bidding procedure 34, and bidding group generation procedure 35, and 3: The operation of the above procedures is roughly the same as the above two: 12 The specific bidding group forms a module 13 and bids ^ Si ;. Group 5 is the same as the payment / receiving module 16, so it is omitted here. As the autonomous credit method of the present invention uses the original loan possessed by the lender; service 糸, · first ^

t 卜 一 耪 俨 # 斗 片 砠 f I quota is used as a guarantee, so the unmanned M type can be called a security competition model.

482969 V. Description of the invention (9) The invention of the independent credit loan service system and method is to determine the loan amount through Jingshan. Therefore, the lender can determine the funds by itself ^ In addition, because a specific object is given a The authentication and identification data is used at any time to participate in the supervising supervisor using technologies such as the Internet or wireless communication. Therefore, the purpose of the autonomous credit loan service system of the present invention and the use of ^ 俨 ς. The above is only for the scope of patent application for the invention of 3f. Scope, and the modification or modification of the patent scope. The preferred embodiment, but not any changes that do not depart from the present invention, should be included in the method of the present invention. Except for., You can serve. It is convenient to limit the spirit and the application of the truth. 482969 Simple illustration of the drawing [Simplified illustration of the drawing] Figure 1 is a block diagram of a preferred embodiment of the independent credit loan service system of the present invention. Fig. 2 is a block diagram showing the structure of another preferred embodiment of the autonomous credit loan service system of the present invention. Fig. 3 is a block diagram showing the structure of another preferred embodiment of the autonomous credit loan service system of the present invention. FIG. 4 is an explanatory diagram of a preferred embodiment of an autonomous credit loan service method of the present invention. Fig. 5 is an explanatory diagram of another preferred embodiment of the autonomous credit loan service method of the present invention. FIG. 6 is an explanatory diagram of still another preferred embodiment of the autonomous credit loan service method of the present invention. FIG. 7 is an explanatory diagram of still another preferred embodiment of the autonomous credit loan service method of the present invention. [Symbol description] 1 Autonomous credit loan service system 2 Specific objects 11 Data transceiver module 1 2 Authentication module 1 3 Specific bidding group formation module 1 4 Bidding module

Page 14 482969 Brief description of the diagram 15 Bidding group generation module 1 6 Payment collection module 2 1 Authentication identification data providing program 2 2 Credit loan bidding activity participation program 3 1 Data receiving and sending program 3 2 Authentication program 3 3 Specific bidding group formation Procedure 3 4 Bidding procedure 3 5 Bidding group generation procedure 3 6 Payment collection procedure

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Claims (1)

482969 VI. Scope of patent application " I. " — ---------— 1 · A type of independent credit loan for specific target use, 苴 中 服: system, system of supply-fixed credit Identification data, the system includes: a specific object is assigned a recognition data transmission and reception module in advance, to connect and verify the identification data; a recognition module obtained by the above specific object, Beyoucheng specific The identity of the object; ', according to the above-mentioned authentication identification data to confirm that the above-mentioned specific bidding group forms a specific bidding formula of the type & and that the specific bipartite system is formed-the number of specific objects with a specific bidding model is exhausted; : It is formed when the above authentication module recognizes /; # ρτ Τ to-a predetermined number, when the specific bidding group is formed, it is sent by the above-mentioned asset team & The module transmits the relevant bets of the above specific bidding mode to the group of female warriors — a wonderful choice of y, 、, and each specific object of the specific bidding group; ^ ^ ^ ^ ^ α ^ ^, 特特疋 When the bidding group is formed, it is composed-^ ^ ^ ^ ^ ^ ^ ^ The subject conducts a credit loan bidding activity to determine the amount of money transmitted by the sender and the person, and the amount of money, money, and money. The result of the activity is composed of the above-mentioned data sending and receiving modules. Specific objects of the specific bidding group. 2 · Autonomous credit loan service system as described in the scope of patent application: Hall 1 &, +, ^ Yong # / Target country brother 1, where the system is more from the winter _ La 4 West / ^ > C FI AA ^ 4® ^ S off " ^ group generation module is used to generate different bidding groups, each bidding team-^ ^ 4. Bismuth, and each has a specific bidding mode, the above features The object is to select the suitable private competition group according to the amount of Lu Tian @ i-, ^ lV ^ ^ page 4 that they have, and then enter the same sister group in Shangpo County. The search and observation group forms a module to form a specific bid Face I Page 16 4 ^ 2969 6. Scope of patent application f · The autonomous transfer loan service system described in item 1 of the scope of patent application, j, in which the system further includes a collection and payment module credit loan owed bidding activity, and the bid amount is automatically calculated from the winning bid amount. Non-winning = debits in the account, the deductions are automatically remitted to the account of the successful bidder 4. Autonomous credit loan service system as described in item 1, 2, or 3 of the patent scope Wherein, when forming a specific bidding group, the specific bidding group forming module is configured to notify the formation of the specific bidding level and the relevant date of the bidding day of the specific bidding group to constitute the specific bidding through the data transmitting and receiving module. Specific objects of a group. 5 · The autonomous credit loan service system described in item 1, 2, or 3 of the scope of the patent application, wherein the specific bidding mode refers to the bid period, number of bid periods, and bid quota of each particular bid group , The definition of the subscript. 6 · The autonomous credit loan service system as described in item 1, 2, or 3 of the patent scope of Shenyan, wherein the credit loan bidding activity refers to the interests of each specific object constituting the specific bidding group according to its own interests Presentation of bid limit. 7 · The autonomous credit loan service system as described in item 5 of the scope of patent application, where ‘the winner of the credit loan bidding activity is the specific target whose bid amount is the highest. 482969 VI. Scope of Patent Application 8 · The autonomous credit loan service system as described in item 5 of the scope of patent application, in which the successful bidder of the credit loan bidding activity is the specific object that the bidding amount presented is the lowest. 9 · The autonomous credit loan service system as described in item 1, 2, or 3 of the scope of patent application, wherein the authentication identification information is a cipher group data. 10. The autonomous credit loan service system described in item 1, 2, or 3 of the scope of patent application, wherein the authentication identification data is an electronic signature data. 11. The autonomous credit loan service system as described in item 1, 2, or 3 of the scope of patent application, wherein the data transceiver module transmits and receives data through wireless communication (WAP). 12. The autonomous credit loan service system described in item 1, 2, or 3 of the scope of patent application, wherein the data transceiver module is used to transmit and receive data through Internet communication. 13. The autonomous credit loan service system described in item 1, 2, or 3 of the scope of application for patents, wherein the data transceiver module is used to send and receive data through wired telephone communication. Iridium 1 Q hundred 482969 6. Scope of patent application 14. For the self-supporting credit loan service system described in item 1, 2, or 3 of the scope of patent application, in which the information is transmitted and received through an automatic bank transfer machine (A TM) Send and receive data. Ί # 15 · If you apply for the first credit loan service system in the scope of patent application, of which, the home appliance (IA) is used to send and receive data. The data transmission module is based on the network 6 as described in item 1, item 2 or item 3 of the patent application scope, wherein The data transmission and reception module performs data transmission and reception by the accompanying J electronic secretary device (PDA). ,,,, and 1 7 An autonomous credit loan service method, which includes: · a certification identification information provider, which is a specific target given by 3 · a certification identification information; " must not participate in your credit loan bidding participation process, for the above Specific ^ ^ — by applying for a patent scope! The main types of loan loans mentioned in the item above are the credit loan bidding activities provided by the credit loan. ° Quota used An autonomous credit loan service method, including: a certification identification data providing program, which provides a certification identification data to a credit limit, a pie cake; a moth data transmission and reception program, which receives the above specific oblique image 4 other materials submitted by wa brother; 豕 Page 19 482969 It is based on the above-mentioned certification and identification information to confirm the identity of the specific object described in the previous six, patent application scope, a certification procedure; a special bidding group formation procedure, which forms a specific bidding group with a specific bidding mode, the specific bidding group is It is formed when the number of specific objects certified by the above-mentioned authentication procedure reaches a predetermined number. When the specific bidding group is formed, the relevant data of the specific bidding mode is transmitted to the specific bidding group via the data transceiver module. Specific objects A bidding procedure group is for the formation of the above-mentioned specific bidding group, and is used by each specific object constituting the specific bidding group to conduct credit loan bidding activities to determine the successful bidder and the total amount of the winning bid. Send specific objects that make up the specific bidding group. 19. The autonomous credit loan service method described in item 18 of the scope of patent application, wherein the method further includes a bidding group generation process for generating different bidding groups, each of which has a specific bidding mode The above-mentioned specific object is to select a bidding group suitable for participation according to its credit limit, and to form a specific bidding group through the above-mentioned specific bidding group formation process. 2 〇 · The autonomous credit loan service method described in item 18 of the scope of patent application, wherein the method further includes a collection and payment procedure, which is automatically based on the winning bid amount after each credit loan bidding activity. The debited account is automatically debited to the successful bidder's account. Page 482969 6. Scope of Patent Application 21 · The autonomous credit loan service method as described in item 18, item 19 or item 20 of the patent application scope, wherein a specific bid is formed during the formation of the specific bid group At the time of the organization, through the above-mentioned data sending and receiving procedures, the specific date of the establishment of the specific bidding group and the relevant data of the bidding date of the specific bidding group are notified to the specific objects constituting the specific bidding & group. 2 2 · The autonomous credit loan service method as described in item 18, item 19 or item 20 of the scope of patent application, wherein the specific bidding mode refers to the bidding period and bidding period of each particular bidding group Limits on bids, bid limits, and base bids. 2 3 · The method of autonomous credit loan service as described in item 18, item 19 or item 20 of the patent application scope, wherein the credit loan bidding activity refers to the specific objects that make up the specific bidding group. The activity of presenting the bid limit in its own interest. 2 4 · The method of autonomous credit loan service as described in item 22 of the scope of patent application, wherein the successful bidder of the credit loan bidding activity is the specific object whose bid amount is the highest. 25 · The method of autonomous credit loan service as described in item 22 of the scope of patent application, wherein the successful bidder of the credit loan bidding activity is the specific object whose bid amount is the lowest. Page 21 482969 VI. Among the scope of patent application, item 19 or item 20, the authentication identification information is a secret 2 6 · As for the patent application scope of the first shirt autonomous credit loan service method, code group Tribute 2 7 · If you are applying for a patent scope] ^ a >… ^ The private credit loan service method that the priest must be a '18th, 19th, or 20th person, * 丄- Also a + *, where the certification identifies the material as electronic signature information. 28. The autonomous credit loan service method as described in item 18, item 19 or item 20 of the scope of patent application, wherein the data transmission and reception procedure is performed by wireless communication (WAP) . The description of the item ο 2 Item or Item 9 1 ± No. The borrowing procedure shall be used to send and receive materials. ，、 中 中 收 项 00〇 It is expected that the investment bank will provide services to the customer, and the loan will be used for communication. • Type network 9 main network 2 Fan Li Fan Zhong specially requested Zhongru 3 〇 Such as the scope of patent application The autonomous credit loan service method according to item 18, item 19, or item 20, wherein the tributary sending and receiving program uses a wire telephone communication method to send and receive data. 31. The method of autonomous credit loan service as described in item 18, item 19 or item 20 of the scope of patent application, wherein the data transmission and reception procedure is performed by an automatic bank transfer machine (ATM). Send and receive. Page 482 969 6. Scope of patent application 3 2 · The autonomous credit loan service method as described in item 18, item 19 or item 20 of the scope of patent application, wherein the data sending and receiving procedure is through the network appliance (IA ) To send and receive data. 3 1 #The method of autonomous type f ^ autumn service described in item 18 or item 19 of the scope of patent application, wherein the material sending and receiving procedure is through a secretarial device (PDA) date 4 ^ ~ 牙牙 电子) To send and receive data. Page 23