TW497059B - Overdraft credit control type finance management method - Google Patents

Abstract

The present invention relates to an overdraft credit control type finance management method. A management server is provided to receive the member application via the Internet, and after dynamically detecting the credit status of the member, an overdraft is thus given to the member. In addition, the management server will establish capital groups of different overdraft credits for each of the members. Each member participates the bidding activity of each capital group based on its overdraft credit. After bidding, the management server collects the capital of each member, and remit the same to the bidding member in a predetermined due date and by a suitable manner. With such a method, it is able to perform finance management functions, such as dynamic credit detection, on-line transaction, and capital transfer, via the Internet.

Description

Out of 7059 May 1 Employee Consumption A7 B7, Invention Description (The present invention relates to an overdraft limit-controlled financing management method, especially an Internet financing management method that can magnify online financing benefits and management effectiveness. — Due to the Internet The prevalence of roads and various types of online transactions have gradually prevailed. Among them, the most noticeable one is the online transaction and service system of the financial industry. There are two possible directions for the use of the Internet by the financial industry. It is the electronicization of payment tools. It uses bank and customer funds through automated network communication technology. The specific method is to allow customers to pass through the credit limit granted by the bank after the bank customer passes the credit survey. The Internet can apply for financing at any time. The customer's repayment operation is still carried out through the Internet. The advantage of the aforementioned method is that it is supported by the computer communication network. It has the following characteristics: fast and unique. But its actual The Internet can only use the Internet as a transmission medium for the poor and the poor. The actual transaction process is different from the general transaction process. It is obvious that this method does not make full use of the Internet to have a large number of users. For example, if the method is not mentioned, there is no way for the majority of Internet users to have financing needs, so it is impossible to target specific officials in advance = ^ Survey. Therefore, 'Most of the online financial transaction mechanisms are based on membership, because of special object restrictions, they can not really achieve the purpose of fund scheduling and financing management. Eighth, another method is to provide funds scheduling on the Internet by a specific person Intermediary service. Through the incomparable characteristics of the Internet, the vast number of Internet users can understand the needs and sources of financing. But under this transaction model

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I A7 B7 V. The other side of the description of the invention (2): The party who borrowed and funded benefits from knowledge, which means there is no guarantee for either party. " 、、-Why the other party knows from the above, there are many shortcomings in the financial industry that need to be overcome at the moment 五 ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ’–’ 5-’s Electronic Business Big online integration: poor business people are in great need of development and expectation. And efficiency = The main purpose of management is to provide an Internet financing management method that can effectively improve the efficiency of online financial management; = ::: Yi Internet accepts members' applications for the application of "Central ^ " Overdraft quota, and The management server takes each member as a production team with different overdraft quotas, and each member can obtain the bid according to the overdraft group's bidding activity, and the funds of the management feeder σ g member will be used within a predetermined period. Appropriate methods will be passed to the successful bidder Bayer to effectively develop online financing business and perform financial management functions such as dynamic credit reporting, online parent exchange, and fund scheduling. The main technical measures adopted to achieve other purposes include ordering the aforementioned methods to include There are: a means for recruiting members, which is used by users to apply for membership; violent evils 彳 § means of investigation, for conducting a credit investigation for members who join, at least including confirmation and change of credit limit; a means for verifying members, according to The member's credit survey results determine whether to approve the member's application for membership; an overdraft limit control method, which grants approval to join the staff based on the results of the credit survey Branch lines' and Controls whether members of the overdraft exceed the approved quota; I___ 4 I paper scale applicable standards (CNS) A4 size (210 X 297 Kimiyoshi

Jin · -------- J --------- line · 丨 (Please read the note on the back first # 真 穹 葛 I) 497059 A7

The Consumer Property Cooperative of the Ministry of Standards, Intellectual Property Bureau prints out the elimination-financing group establishment method. According to the members, (different savings, borrowing or arbitrage) set up different financial groups, when the number of members of the group is full, it enters the financing transaction mode. ;,-Financing transaction method 'takes a bid similar to that of non-governmental association model 2 members, and the winning bidder obtains the funds paid by members of the group in the current period-collection methods' to collect the current funds from members through appropriate methods, and j within the fixed period, remit the current financing funds to the winning members; ,, can use the Internet to recruit a variety of methods: wealth, savings, loans and arbitrage), use-management feeder to implement the aforementioned In order to achieve the purpose of financing supply and demand and automated management, we will make full use of and utilize network resources and characteristics. The aforementioned financing group does not have the "head of the association" of the non-governmental association. The first bidding is based on the premium paid by members as the basis for winning the bid and ^ The premium will serve as the management fee of the management server. / 、 The Lishu financing transaction method compares the members' investment with the valid bidding and invalid bidding at the scheduled bid opening time, and announces the bidding result; θ, and the current account payment is obtained by the bidder with the highest bidding price; At the same time, the winning member will be determined by appropriate lottery operation. When no one bids, the winning member will be determined by appropriate lottery operation. In addition to the aforementioned functions, the management server also provides bidding τ, stomach modification ', delete announcements and inquiries. operation. The aforementioned method further includes a collection method, which means that when the member late to pay the membership account, it will enter the collection mode, and contact the paper standard in an appropriate way to apply the Chinese National Standard (CNS) A4 specification (21〇X 297). Mm

-------- 1 --------- (Please read the notes on the back before filling out this page) A7 A7 (2 〇) Web server, invention description (f) Members remind Payment, and at the same time stop the right to financing transactions until normal. In order to make your reviewing committee better understand the foregoing objectives and the technical features of the present invention, detailed drawings are attached as follows. (1) Schematic part: The first diagram is the working flowchart of the present invention. The first picture is a schematic diagram of the organization of the financing group of the present invention. (II) Part of drawing number: (1 0) Management server (3 0) User computer (101) Member recruitment method (102) Dynamic credit investigation method (103) Member approval method (104) Overdraft limit Controlling means (105) Means of establishing a financing group (106) Means of financing transactions (107) Means of collection operations (108) Means of collection The main technical feature of the present invention is to provide an overdraft quota system through the Internet The focus of the association financing method is to distinguish it from the previous method of tofu quota and the automatic financing control system. It mainly uses one or more management ships to operate. Please refer to the figure- *. Server (10) Connected to the Internet through various network feeders (-Internet unternet) ^ I_ 6 This paper size applies to the Chinese national standard half "cns" A4 size ⑽χ⑽ 公 玉 (please read first Note on the back then fill out this page) -------- Order --------- line · 497059

The personal computer (30) constitutes a connection, and the management server (i〇w server (2〇) executes the following content, please refer to the second picture: a member lifts a hand slave (1〇 丄), which is managed by Server 2 is generated through web server H (2Q)-webpage, which provides recruitment and financing meetings 2. Relevant 5fL information 'for recruitment of internet users with financing or other financial needs to browse' and related forms, please download the form, money When the user asks to join the club, the request method can be online login and post by e-mail-like mail;…-dynamic credit investigation method (1Q2), which is a credit investigation for joining members' this-㈣ The survey is conducted online, mainly to investigate the credit status of participating members in special financial institutions; the survey content includes at least confirmation of credit limit and changes in credit limit;-means of member verification (103) 'based on the credit of the member Investigate the community to determine whether to approve the membership application, if it is approved, continue, and perform other processes 'if not approved', notify the party that the member has not been approved to join the membership; Means (104) Users-after being approved to join the membership, that is to use this method and according to the results of the credit investigation to work for dogs and dogs to join the membership-overdraft quota, and check whether the overdraft quota exceeds the quota limit; a financing team Set up means (105), set up different financing groups according to members 'overdraft quotas and usage characteristics (such as savings, borrowing or arbitrage);' This paper size applies the Chinese National Standard (CNS) A4 specification (210 x 297 mm) ( Please read the note on the back? Matters before filling out this page) -------- Order --------- Line 1 Printed by the Consumers' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 497059 A7 V. Description of Invention (The organization type of the financing group is roughly similar to a private association. The management server (10) sets up a group of a specific number of people and a specific financing amount based on the characteristics of the members. For example, 30 people, each with a standard payment of 10,000 yuan. This is a group, in other words, the financing amount of this financing group is about 300,000 yuan per period (subject to the bidding fee and itself). If you want to participate in this financing group, the overdraft limit approved by the management system must Above 300,000, if the overdraft limit is less than 300,000, the financing group shall not be allowed. When a member is approved to have an overdraft limit of 500,000, he may participate in one or more financing amounts of 500,000. Financing group of less than 10,000 yuan. The aforementioned financing group can enter the financing transaction mode when the number of members is full. Also, the control of the overdraft limit control method (i 〇4) for the member's overdraft limit will also follow the membership's participation in financing The actual operating status of the group changes: assuming a member has an approved overdraft limit of 500,000, he can participate in more than one financing group with a financing amount of 300,000, but because his overdraft limit is five hundred thousand, his winning financing The amount must not exceed 500,000. Taking a financing team of 300,000 as an example, it cannot participate in the bidding of two financing teams under the same overdraft limit. However, its overdraft limit will increase with the increase in the payment of the membership. Therefore, the bid qualification will also be relatively increased, mainly because the member's payment before the participating financing group wins the bid will be converted to the member's overdraft limit. In other words, when Tian members paid more than one hundred thousand members in the financing group they participated in and had not yet succeeded, their if-payment amount was the previous one hundred fifty thousand plus the accumulated one hundred thousand dollars, which was six hundred thousand. The member's overdraft limit is sufficient to participate in the bidding of two 200,000 financing groups. I___ 8 This paper is sized to fit the standard (CNS) A4 (210 X 297 mm / vjy A7 B7

The method of merging money and selling money (106) is that each member of the financing group 屮 bids', and the winning bidder obtains the funds paid by the members of the group in the current period; In addition to being responsible for convening bids and receiving payment, it also has the right to obtain the first-phase payment without interest. The present invention does not have a conference head. The call, bidding and related matters after the bid are automatically performed by the management system. The quasi-management system does not implement the right to obtain interest without interest. Therefore, the first period of "quote" will still be obtained by the team members, but there is a slight difference from the second period: = The bid of the first period is called the premium. This bid will not be the interest earned by the members of the group, but will be the management expenses and operating profit of the management system. The bidding amount of Xiaobei after the second period represents the interest that it is willing to pay in each period, which has nothing to do with the management system; however, the management system can still draw an appropriate proportion of management fees from the winning members in each period, such as The 2% of the funds received is mainly used for the management of ㈣ as a risk fund, which means that this financing system is responsible for the risk of membership failure by the manager. When there is a member ’s failure, the system will absorb the failure caused by the failure of the 因 system. Losses, other members do not need to bear the risk of downside. The specific bidding method is as follows: The bidding method is to bid by the team members via the Internet, such as bidding through a web page or email within a predetermined period, and the management server (work) through the network After the feeder (20) obtains the bidding information of each member, it starts to compare to distinguish the valid bid from the invalid bid (the paper size of the member participating in the bid applies the Chinese National Standard (CNS) A4 specification (21〇X 297) Public love)

------------ Gold ------ (Please read the note on the back? Matters before filling out this page) Order --------- Refer to 497059 A7 B7 V. Description of the invention (〆) The number of printed financing groups of the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs does not exceed its overdraft limit, which is a valid bid; if it has exceeded its overdraft limit, it is an invalid bid), and announces the bidding results, and the management servo The winner (10) is determined according to the following principles: ♦ The current payment is obtained by the highest bidder; ♦ When the bids are the same, the winning member will be determined by appropriate lottery operations; In addition to the above functions, the management server (X 〇) will generate a web page through 9 network servers (20) to provide bidding, modification, deletion, announcement and query operations at the same time. And other functions. α In addition, the per-financing group's winning bids in the first period and the winning bids after the second period are converted by the following formula: The first payment = (unit payment χ (total number of meetings-η) ) One payment after the second instalment An = (U-Ιη) χ ((Ν + 1)-(n + l)) + (Uxn) or An = (Ux (N-(n + l))) + (Ux (nl)) + gini where nl = l ', T represents the total amount after the second period means unit payment represents the total number of members minus 1 represents the number of bid opening periods of the financing group In: represents the bid amount for the nth period , Its meaning is .., I am the member of Feng Shibiao who is willing to bear the interest of each period. In addition, the aforementioned management server (10) into-cattle ', ^ ...____ $ includes a receipt for

An η industry method (1 07) and a collection method (108) Among which, the collection operation method (1Q7) is based on the method of ^ This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) ( Please read the note on the back? Matters before filling out this page) --------- Order --------- Line 1 A7 B7 V. Invention Description Within the time limit, the remittance: Huibei; the aforementioned means of collecting money (…) are collected within a certain period after each instalment. The extraordinary remittance is sent to Dechang Hechang. The small remittance is remitted and fixed Within the time limit, it will be sent to 4 members. It must be noted that the remittance of the member's funds will be obtained on the basis of whether the server receives all other members 'members' funds. Financial security and rights. The collection method is that after the bid is determined, the bid collection mode is entered when the bid is not obtained or the bid is not approved, and the management system will contact the member in a proper way. Call, and at the same time stop the right to financing transactions until it returns to normal. From the above 5 brothers, it can be seen that the overdraft limit control of the present invention The specific technical content of the distributed financing management method, with these designs, it has at least the following advantages: 1. Effectively solving the problem that online financing transactions are not easy to achieve: the present invention, the Internet, recruits various financial management needs such as savings, borrowing, arbitrage, etc. It is said that the number of employees in Tiantian has reached a certain level, and the financing team established has reached a few miles. GP can use the Internet without geographical and time constraints to conduct a large number of financing transactions, and there is no risk of electronic ^ . 2 Effective financing supply and demand system: Through the financing management method of the present invention, those who have the ability to provide financial resources can understand where there is a demand for funds, and for those who can also predict when and where financing can be obtained. Therefore, it is an automatic online trading system that takes both supply and demand into account. 3. Flexible parent-friendly approach: The financing cost of the present invention is determined through bidding, which is not limited to the static interest calculation method of the traditional financial industry, which is sufficient for 11 X 297. Mm) The paper size iiiT Guan Jiaxian (CNS) A4 specification (210 497059 A7 '--------- B7____ V. Description of the invention (8) ~ Financial transactions tend to be lively X 4 · High security: In the present invention, the system operator guarantees the rights of participating members, so that they will not suffer losses due to membership. In summary, the present invention does have all the advantages described in the previous disclosure. Xiang Xiangfu has significant practicality and progress in the possible development of the current electronic financial transaction system, and meets the requirements of invention patents. He has filed a claim in accordance with the law. -------- ^ ------- -(Please read the notes on the back before filling out this page) The paper size printed by the Employees' Cooperatives of the Intellectual Property Bureau of the Ministry of Economy applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm)

Claims (1)

497059 VI. Patent Scope Department Printed by the Smart Employees Consumer Corporation. 1 · A type of overdraft limit-controlled financing management method management server and constructed through a network system- The method includes: Network operation, -Member Recruitment means is for the user to submit a joint investigation, and the _investigation means is for joining members: the verification method for the second and the first session, and the membership application is approved according to the adjustment of the conference; Is there an overdraft limit control method? According to a credit investigation :: member-overdraft limit 'and the control committee * the overdraft limit is =: a means of establishing a financing group to compile the balance of the meeting and the use of a special non-expense limit The financing group 'provides for meeting the requirements of the overdraft quota> Plus, if the number of members of the group is sufficient, it will enter the financing transaction mode;-The financing transaction means' adopts a similar civil society model, and the financing group ^ members bid and bid' The bidder obtains the fund-receiving operation means paid by the group in each period, collects the current funds from members through appropriate methods, and remits the current financing funds to the current period within a specified period. Members of the mark. 2. "2. As described in item χ of the scope of patent application, the overdraft limit-controlled poverty alleviation management method, the financing group adopts the basic structure of a private association, but does not have a" chapter "of a private association. 8.3 · As in the method of controlling overdraft quotas in the patent application scope described in Item 2, the first bidding of the financing group is based on the rights of members. 13 f ▲ _ 1J This paper size applies Chinese national standards (CNS) A4 specification (21〇χ 297 mm) i A low, as the basis for winning or not. ^ 4 · The overdraft quota-controlled financing method as described in item 3 of the scope of patent application 'The first bidding fee is the management fee for the management server. 5 · As described in Item 1 of the scope of patent application, the overdraft quota controlled management method ^, the investigation content of the 5 Haiyin Credit Investigation Method includes at least the confirmation and change of the effective quota. 6 · As described in item 1 of the scope of the patent application, the overdraft limit-controlled financing method = the Luli method. This financing transaction method compares the $ bids of various associations at the scheduled bid opening time to distinguish valid bids from invalid bids, and Announce the results of the bidding; The current payment is obtained by the bidder with the highest bidding amount; when the bidding amount is the same, the winning member will be determined by the appropriate lottery operation; when no one bids, the winning member will also be determined by the appropriate lottery operation; In addition to the aforementioned functions, the management server also provides bidding, modification, announcement and inquiry operations. 7. If the towel please patent No.! Or the method of controlling overdraft quota-controlled financing as described in item 4, the second auction of this financing transaction means uses an appropriate proportion as the risk fund of the management server. —8. According to the overdraft quota-controlled financial management-Peiguanli method described in the item of the scope of the patent application ', the collection operation method is also followed by a collection method—the collection method, which occurs when the member late to pay the balance, that is, The advance payment collection mode will contact members for collection in an appropriate way and stop at the same time until it returns to normal. 、 Easy to remove the management benefits -------- Order --------- Line ·-(Please read the precautions on the back before filling this page) I______ 14 This paper is used in Zhongguan Home Standard (CNS) A4 Specification (210 X 297 Male Eding