1283372 _ 玖:t發明:說明 【發明所屬之技術領域】 本發明係關於一種額度控管式之網路融資撮合交易方 法，尤指一種以網際網路作爲媒介，並對借/貸雙方進行 群組化管理使其在一平台交換資訊，並進一步進行議價、 交易，以擴大交易對象並提升融資成交機率之方法。 【先前技術】 在網路通信已廣泛運用的今天，電子金融或網路金融 的建立受到無比的關注。在目前可見的各種電子金融或網 路金融應用中，主要的發展可能有兩種：第一種仍維持間 接金融特性，將原有業務利用網路交易，節省成本；另一 種則以直接金融爲目的，期望能由資金供給者與資金需求 者直接交易，成本由其自行決定。 又前述第一種方式是支付工具的電子化，其將銀行與 客戶的資金往來透過自動化的網路通信技術進行。其具體 作法是在銀行客戶通過信用調查後，在銀行授予的信用額 度範圍內，可供客戶透過網際網路隨時提出融資申請。又 客戶之淸償作業仍透過網際網路來進行。 前述方法的優點在於通過電腦通信網路的輔助，具有 精確、快速之特性。但其實際上僅只能利用網際網路作爲 交易資訊的傳遞媒介，實質的交易過程與一般交易程序無 異。再者，銀行在進行信用調查時，仍然不能利用網路通 信的便利爲之，就此而言，網路通信並未提供任何額外的 1283372 功能。 又目前所謂的網路銀行，只不過將銀行業務網路化， 再者，傳統銀行融資業務，僅涉及雙方當事人，並無太多 交易行爲必須要透過先進的網路通信系統爲之。換言之， 在習用技術中，即使在銀行的融資系統中引進先進的網路 通信設備，仍未改變傳統銀行的作法，更未利用到網路通 信技術中所提供的便利。 此外，在這種交易模式下，銀行扮演資金仲介之功能 ，但停留在前述的間接金融，資金供給者必須到銀行存款 ，由銀行支付利息，銀行再將吸收之存款貸放給借款者， 由於存/放款利率均由銀行片面決定，因而使銀行業務僵 化。 至於一般民間存款者與借款者直接交易的借貸行爲， 只存在彼此熟識之親朋好友間，但通常止於人情上的幫忙 性質。而在網路通訊時代，利用網際網路無遠弗屆的特性 ，無論是借入或貸與的一方，只要透過網路撮合系統達成 雙方之目的，則借/貸雙方是否熟識，自非達成交易之必 要條件。 而另種電子金融的方法係由特定人士在網際網路上提 供資金調度仲介服務，透過網際網路無遠弗屆的特性，令 廣大的網際網路使用者瞭解融資的需求與來源所在。故一 項資金的需求，可被送至無限多數人手上，同樣的，擁有 資金可以出借的人，也可透過網際網路向廣大的網路使用 人口中徵求借貸者。利用上述特點，在網路平台上進行資 1283372 金仲介業務以收取手續費或佣金，成爲一種可能的想法。 【發明內容】 因此，本發明主要目的在提供一種額度控管式之網路 融資撮合交易方法，係由系統管理者對借/貸雙方進行群 組化管理，並使其在一會員機制下的網路平台上交換資訊 ，並進一步進行議價、交易，以擴大交易對象並提升融資 成交機率。 爲達成前述目的採取的主要技術手段係包括有： 一會員管理手段，係供欲參加融資撮合者提出會員申 請，並分別針對「融資者」與「資金提供者」進行群組化 管理； 一徵信調查手段，針對欲進行融資撮合的融資者會員 進行信用調查，調查內容至少包括信用額度之確認與變更 一融資額度核定手段，係根據前述徵信調查結果，拒 絕融資者會員之融資撮合請求，或賦予一融資額度； 一資訊流交換手段，係由系統管理者建立一以網際網 路爲通信媒介的交易平台，供融資者及資金提供者分別揭 示其設定的融資條件，如金額、利率及期限等，以進行協 商與議價； 一成交管理手段，係對會員成交資料及撮合執行情況 加以控管； 利用前述方法可供融資者或資金提供者以廣大網際網 1283372 路使用者爲融資交易的對象，藉以提高融資的成交機率， 進而網路的直接金融。 前述方法中具有一直接金融的交易平台，係透過網際 網路通信技術，將大部分融資交易網路化，且資金融通之 費率可由交易當事人自行決定。 前述會員管理手段包括下列事項的控管： 會員資料； 會員融資額度； 會員風險； 會員密碼； 帳務管理。 前述方法進一步包括一應用訊息分派手段，用以執行 下列事項的控管’· 多重對象連線時，對於每一通信事件的完整掌控； 支援多種通信協定。 【實施方式】 本發明係一額度控管式之網路融資撮合交易方法，主 要將融資者及資金提供者集合在一網路平台上，依資金需 求期限之不同，以一會員機制將交易者作群組化管理，而 提供一會員制之融資平台。 前述平台之融資交易係透過網際網路進行，融資者會 員依其資金需求之金額、利率與期限等條件，在該平台上 與其他資金提供者會員就前述條件進行協商與議價。當融 1283372 資者之資金需求比較大時，融資成本可能較高，資金部分 亦可能由一個或複數資金提供者共同提供；反之，若資金 提供者較多時，融資者可取得較低成本之資金，且在資金 提供者供應大額的資金時，可能由一個或數個融資者共同 取得該資金。 前述交易機制之特色：在於融資者必須取得一定之額 度，亦即融資者會員事先通過徵信審核，取得一定之額度 ，在允許的額度下，系統方允許其在平台上交易。而融資 者與資金供應者可自由議價，融資者可將資金需求之條件 如金額、利率、期限透過資訊流揭示於平台上，當資金供 應者有興趣時可與之議價，以進行交易； 至於資金提供者之會員申請，則只須申請即能取得會 員資格，當其擁有閒置資金時，可設定資金提供之條件如 金額、利率、期限等透過資訊流揭示於平台上，當取得額 度的融資者有資金需求時，即可透過平台進行議價，成交 後即由系統管理者進行管理。 前述融資交易方法之系統示意圖係如第一圖所示，其 由系統管理者將前述融資交易方法建構於一網路伺服器（ 1 0 )上，並建立一交易平台，供融資者（2 0 )與資金 提供者（3 0 )進行協商與交易，其中，融資者（2 0 ) 與資金提供者（3 0 )必須在特約銀行（4 0 )設有帳戶 (4 1 ) ( 4 2 )，該特約銀行（4 0 )亦與網路伺服器 (1 0 )構成連線，當融資交易完成，資金即由資金提供 者（3 0 )的帳戶（4 2 )透過金流匯入融資者（2 0 ) 1283372 之帳戶（4 1 )。 至於建構於網路伺服器（1 0 )中的融資交易方法至 少包括下列技術手段（請參閱第一圖所示）： 一會員管理手段，係供欲參加融資撮合者提出會員申 請，以分別針對「融資者」與「資金提供者」進行群組化 管理；並執行會員資料、會員融資額度、會員風險、會員 密碼、帳務管理等事項的控管： 一徵信調查手段，係針對欲進行融資撮合的融資者會 員進行信用調查，調查內容至少包括信用額度之確認與變 更； 一融資額度核定手段，係根據前述徵信調查結果，拒 絕融資者會員之融資撮合請求，或賦予一融資額度； 一資訊流交換手段，係透過系統管理者建立的交易平 台，供融資者及資金提供者分別揭示其設定的融資條件， 如金額、利率及期限等，以進行協商及議價； 一成交管理手段，係對會員成交資料及撮合執行情況 加以控管；其中： 前述交易平台係用以實現直接金融，以透過網際網路 通信技術，將大部分融資交易網路化，且進一步令資金融 通之費率由交易當事人透過撮合協商以自行決定。 由於交易平台係建構於網際網路上，系統管理者進一 步提供一客戶端使用介面，供使用者與網際網路連線後經 過會員註冊，申請額度等步驟，再進入交易平台接受撮合 與協商。 1283372 前述方法進一步包括一應用訊息分派手段，其配合資 訊流交換手段，以執行下列事項的控管： 多重對象連線時（指融資者會員與資金提供者會員作 多重交叉連線），對每一連線事件作完整掌控； 支援多種通信協定。 _ 由於融資交易涉及資金之調度，爲確保運作安全與會 員權益，系統管理者進一步建構一風險控管手段，其控管1283372 _ 玖:t Invention: Description [Technical Field of the Invention] The present invention relates to a quota-controlled network financing matching transaction method, in particular, an Internet as a medium, and a group of borrowers/credits The management of group management makes it possible to exchange information on a platform and further conduct bargaining and trading to expand the trading objects and increase the probability of financing transactions. [Prior Art] Today, when network communication has been widely used, the establishment of e-finance or online finance has received unparalleled attention. Among the various e-finance or online financial applications currently available, there are two main developments: the first one still maintains indirect financial characteristics, and the original business uses online transactions to save costs; the other is direct finance. The purpose is to expect direct trading between the fund provider and the capital demander at a cost. The first way mentioned above is the electronicization of payment instruments, which carry out the bank's capital exchanges with customers through automated network communication technology. The specific method is that after the bank customer passes the credit investigation, within the credit limit granted by the bank, the customer can apply for financing through the Internet at any time. The customer's compensation operations are still carried out through the Internet. The advantage of the foregoing method is that it is accurate and fast by the aid of a computer communication network. However, it can only use the Internet as a medium for the transmission of transaction information. The actual transaction process is no different from the general transaction process. Moreover, banks are still unable to take advantage of the convenience of Internet communication when conducting credit investigations. In this regard, network communication does not provide any additional 1283372 functionality. At present, the so-called online banking only networked the banking business. Moreover, the traditional banking financing business involves only the parties, and there is not much transaction behavior through the advanced network communication system. In other words, in the conventional technology, even if advanced network communication equipment is introduced in the bank's financing system, the traditional banking practices have not been changed, and the convenience provided by the network communication technology has not been utilized. In addition, in this trading mode, the bank plays the role of capital intermediary, but stays in the aforementioned indirect finance, the fund provider must go to the bank to deposit, the bank pays interest, and the bank then lends the absorbed deposit to the borrower, because The deposit/lending rate is determined by the bank in a one-sided manner, thus making the banking business rigid. As for the general lending behavior between private depositors and borrowers, there are only friends and relatives who are familiar with each other, but usually stop at the human nature. In the era of Internet communication, the use of the Internet is not far-reaching. Whether it is borrowing or lending, as long as the purpose of the two parties is achieved through the network matching system, whether the borrowing/crediting parties are familiar with each other Necessary conditions. Another method of e-finance is to provide a funded intermediary service on the Internet by a specific person. Through the characteristics of the Internet, the vast number of Internet users understand the needs and sources of financing. Therefore, the demand for a fund can be sent to an unlimited number of people. Similarly, those who have the funds to lend can also seek loans from the vast majority of the Internet population through the Internet. Taking advantage of the above characteristics, it is possible to use the 1283372 Jin Zhongjie business on the Internet platform to collect fees or commissions. SUMMARY OF THE INVENTION Accordingly, the main object of the present invention is to provide a quota-controlled network financing matching transaction method, in which a system administrator manages a group of borrowers/credits and makes them under a membership mechanism. Exchange information on the Internet platform and further negotiate and trade to expand the trading target and increase the probability of financing transactions. The main technical means adopted to achieve the above objectives include: One member management means, which is for the applicants who want to participate in the financing, to apply for membership, and to manage the "finers" and "funds" separately. The letter investigative means conducts a credit investigation for the financier member who wants to carry out the financing and matching. The survey content includes at least the confirmation of the credit line and the modification of the financing amount, and rejects the financing matching request of the financier member according to the results of the above-mentioned credit investigation. Or a financing line; a means of information exchange, the system administrator establishes a trading platform with the Internet as the communication medium, for the financier and the fund provider to disclose their set financing conditions, such as the amount, interest rate and The term, etc., for negotiation and bargaining; a transaction management means to control the member's transaction data and the implementation of the combination; using the aforementioned method for the financier or fund provider to use the Internet 1883372 user for financing transactions Object, in order to increase the probability of financing, and then the network Access finance. The aforementioned method has a direct financial trading platform, which is to network most of the financing transactions through the internet communication technology, and the rate of the financial financing can be determined by the transaction party. The aforementioned member management methods include the following matters: member information; member financing amount; member risk; member password; account management. The foregoing method further includes an application message dispatching means for performing control of the following matters: · Full control of each communication event when multiple object connections are made; Supports multiple communication protocols. [Embodiment] The present invention is a quota-controlled network financing matching transaction method, which mainly collects financiers and fund providers on a network platform, and uses a membership mechanism to trade traders according to different time periods of capital demand. As a group management, it provides a membership financing platform. The financing transactions of the aforementioned platforms are conducted through the Internet. The financiers meet and negotiate with the other fund provider members on the platform according to the amount of funds, interest rates and maturities. When the financial needs of the 1283372 funder are relatively large, the financing cost may be higher, and the capital part may also be provided by one or multiple fund providers; conversely, if the fund provider is more, the financier may obtain lower cost. Funds, and when the fund provider supplies large amounts of funds, may be obtained jointly by one or several financiers. The characteristics of the aforementioned trading mechanism are that the financier must obtain a certain amount, that is, the financier member obtains a certain amount in advance through the credit review, and the system allows the system to trade on the platform under the allowed amount. The financier and the fund provider can freely negotiate the price, and the financier can disclose the conditions of the capital demand such as the amount, the interest rate, and the time limit on the platform through the information flow, and can negotiate with the fund supplier when the interest is interested; If a member of the fund provider applies for membership, he or she can obtain membership only by applying for it. When he has idle funds, he can set the conditions for the provision of funds such as amount, interest rate, time limit, etc. to be disclosed on the platform through the information flow, when the amount of financing is obtained. When there is funding demand, the bargaining price can be conducted through the platform, and the system manager manages it after the transaction. The system diagram of the aforementioned financing transaction method is as shown in the first figure, and the system administrator constructs the aforementioned financing transaction method on a network server (10) and establishes a trading platform for the financier (2 0). ) Negotiating and trading with the fund provider (30), where the financier (20) and the fund provider (30) must have an account (4 1 ) (4 2 ) at the special bank (40), The special bank (40) also forms a connection with the web server (10). When the financing transaction is completed, the funds are transferred to the financier through the account of the fund provider (3 0) (4 2 ). 2 0 ) Account of 1283372 (4 1 ). As for the financing transaction method constructed in the network server (10), at least the following technical means are provided (please refer to the first figure): A member management means is provided for the member who wants to participate in the financing to submit a membership application to respectively Group management of "financiers" and "funds providers"; and control of membership information, membership financing quotas, membership risks, member passwords, account management, etc. The financing partner of the financing combination conducts a credit investigation. The content of the investigation includes at least the confirmation and change of the credit line. The method for verifying the financing amount is based on the result of the above-mentioned credit investigation, rejecting the financing matching request of the financier member, or granting a financing amount; A means of information exchange is a trading platform established by the system manager for the financier and the fund provider to separately disclose the financing conditions, such as the amount, interest rate and time limit, for negotiation and bargaining; It controls the transaction data of the members and the implementation of the joints; among them: the aforementioned transactions Taiwan-based to achieve direct financial order through the Internet communications technology, most of the financing transactions of the network, and further make the pass rates of capital through financial brokered negotiations to the discretion of the parties to the transaction. Since the trading platform is built on the Internet, the system administrator further provides a client interface for users to connect with the Internet, register with members, apply for quotas, etc., and then enter the trading platform to accept and negotiate. 1283372 The foregoing method further includes an application message dispatching means, which cooperates with the information stream exchange means to perform the control of the following items: when multiple objects are connected (refer to the multiple cross-connection of the financier member and the fund provider member), for each A complete connection to a connected event; support for multiple communication protocols. _ Since the financing transaction involves the scheduling of funds, in order to ensure the safety of operations and the rights and interests of members, the system administrator further constructs a risk control means, and its control
對象包括_· 一·交易風險控管： 1. 網路所有交易資料之傳送，均經過加密處理； 2. 透過網路安全認證，提高網站之安全性。 二·會員信用風險控管； 三·電腦硬體風險控管： 1. 資料庫採用虛擬IP，外界不易侵入；The object includes _· a. Trading risk control: 1. All the transaction data transmission of the network is encrypted; 2. Improve the security of the website through network security certification. 2. Member credit risk control; 3. Computer hardware risk control: 1. The database uses virtual IP, and the outside world is not easy to invade;
2. 網路伺服器設備援系統，於異常時隨時切換。 由上述說明可知，本發明係利用前述方法供融資者或 資金提供者以廣大網際網路使用者爲融資交易的對象，藉 以提高融資的成交機率，進而實現網路的直接金融，以該 等設計相較於現有的網路間接金融，對於實現金融電子化 ，具有顯著而具體的功效增進，故本發明提供的網路融資 交易方法已符合發明專利要件，爰依法提起申請。 【圖式簡單說明】 (一）圖式部分 11 1283372 第一圖：係本發明之系統示意圖。 第二圖：係本發明融資交易方法之流程方塊圖。 (二）元件代表符號 (1 0 )網路伺服器 （2 0 )融資者 (3 0 )資金提供者 （4 0 )特約銀行 (41) ( 4 2 )帳戶2. The network server device assists the system to switch at any time during an abnormal time. It can be seen from the above description that the present invention utilizes the foregoing method for the financier or the fund provider to use the majority of the Internet users as the financing transaction, thereby improving the transaction probability of financing, thereby realizing the direct finance of the network, and the design. Compared with the existing network indirect finance, there is a significant and specific improvement in the realization of financial electronicization. Therefore, the online financing transaction method provided by the present invention has met the requirements of the invention patent, and the application is filed according to law. [Simple description of the diagram] (1) Schematic part 11 1283372 The first figure is a schematic diagram of the system of the present invention. The second figure is a block diagram of the process of the financing transaction method of the present invention. (2) Component Representation Symbol (1 0 ) Network Server (2 0 ) Financing (3 0 ) Fund Provider (4 0 ) Special Bank (41) ( 4 2 ) Account