1331313 九、發明說明： 【發明所屬之技術領域 ::明-種線上「合會平台」讓會交易方法及系統，係由線 ::平台」所成立互助會式的競標群级，依據該競標群組所 ^二來，若線上「合會平台」所成立互助會式的競標群組為初 則讓會交易方法及系統所產生交易則為次級市場，讓會 及系統主要是透過交易方法的設計，結合資訊科技的運 ㈣μ發明的目的。本發明將原來民間互助會成立時，所需製 作的會单’透過本交易方法的設計，結合網路交易及個人化特性 子會單功能由資訊揭露提昇為表彰會員權利義務的標的， 競=組會員依此電子會單，可從事進行轉讓交易，並透 來達成。 :上「合會平台」讓會交易方法及系統，㈣統業者（如金 融:貝公司、租賃公司、民間會首等）成立不同期數之「 Γ二」Γ組合02期、24期、36期、6。期...等不同的群 組），δ格會員依本身需求透過網際網路等方式 業::立「合會平台」競標群組。「合會平台」競標群組成= ，製作電子會單提供參與會員，並由會員透過網際網路、有線ί 訊裝置、無_訊裝置料備參與f錢標活動。 本發明一種線上「合會平台讓 德，透過系雄豐“ m會乂易方法，係在每期開標 後透過系4業者更新電子會單資料，透過交易方法的設叶 算未得標麵參錢標敎的價值（含已㈣軸缝利息）與得 6 1331313 標者未來應繳會金。參與的會員憑著每月更新電子會單，了解自 己的權利或義務所隱含活會資產價值或死會負債金額。所有參與 「合會平台」會員，由電子會單中了解自己參與競標群組權利義 務的資產或負債，依本身的需求，登入讓會系統進行交易，滿足 本身需求。 一種線上「合會平台」讓會交易方法及系統所屬技術領域， 係透過讓會交易方法的設計與系統的建置，兼顧交易的方便性、 資料傳輸的安全、會員交易的隱匿性與不可否認性，結合資訊科 技技術的運用，由軟體及硬體設施的建置與開發，一種線上「合 會平台」讓會交易方法與系統建置。 針對線上資料傳輸安全之方面加強：在本發明中，針對線上 傳輸資料的安全性，本系統可以透過SSL協定，使得跟會者在與 讓會系統網站連線後，可以由讓會網站隨機產生對稱式加密金鑰 ，用以對該次連線的後續傳輸資料進行加密，藉以確保線上傳輸 資料的安全性。 針對跟會者對於轉讓交易不可否認性之達成：本讓會系統可 以藉由結合目前的自然人憑證中的個人私密金鑰，配合數位簽章 技術來達成此項需求。換言之，欲強化會員對轉讓交易不可否認 性之確認，可以藉由會員在完成轉讓交易前必須藉由個人自然人 憑證中的私密金鑰完成對該交易的數位簽章來達到。 一種線上「合會平台」讓會交易方法與系統，透過許多技術 手段達成交易的方便性、資料傳輸的安全性、會員交易的隱匿性 與不可否認性，讓會交易系統並包含讓會交易系統前端網站、讓 7 理系統三個主 本發明透過資訊科技的運用，讓原本 能實現，僅®太π #人 曰理’中讓會機制 由逸中的ρ弓、轉變成可讓會員自 * 4 ’使互財透過資訊科技運用 接金融產品，楛古始μ「Α 此成為線上直 合會平台」的流通性和流動性，更提升 參與會員的資金配置效率。 升 【先前技術 會（以Tp|稱互助會）流傳6久，由於互助會兼具儲蓄、 資的功能，可同時滿足投資理財與信用創造的需求。所以雖缺 現代投資理財：具残推陳出新，金㈣構到處林立，但: 仍深受大眾喜愛’料存在於社會各_層。 ^ 網際網路科技的進步’改變了傳統互助會的標會方式。齋美 司以透支額度控官式融資管理方法」，於細2年通過智慧財 產局審核’取得發明案號第—六〇二六六號專利權。將傳統互助 會電腦化並結合金融機構透支的觀m網路儲蓄會的名義對 外營運。透過電腦或各種通訊設備在網站上標會，打破以往互助 曰侷限於j區域或小眾團體的束缚。該公司雖導人銀行徵信方式 ’利用透支方式控管風險’但仍無法㈣大眾對於倒會的疑慮， 尤其是信用是需要時間累積’經營網路儲f會提供會員履約保證 “貝!又么司淨值的限制。因此雖透過資訊科技的運用，以網路儲 蓄會的方式對外經營’解*會貢間距離關題，仍無法消除大眾 對倒會的疑慮’及改變互助會封閉式群組競標方式。 1331313 據工商時報2006年i〇月4_ 反、幽、 月4唬報導，建華商業銀行（已更名 為水豆銀行）要開辦「浮動利率資金交易平台 互助會競標方式加以包裝，成 該仃將 擔任舍^合昌u 成為銀仃產品’建華銀行除了本身不 1雖梦建華銀/ U其交易方式與互助會無異，因此法務部認 為雖然建華銀行建構此—平台型態與民法合會規 但資金競標組合的性質，實質上 ° 稱互助會）。所以「浮動利車^ $民法所規範的合會（民間俗 叫 關率資金交易平台」，仍屬「合會平台」 厅提供σ會平台」，並擔任競標群組 ’運用徵授信專業，慎選會員，確實能 == =良深植大眾心中，在推廣上毫無疑問可為大=受而 右無讓會系統與交易方法的配合，仍無法改變「合會平台封 閉性的競標群組的交易方式。 〇 J 、 無論在民間、網路成立的互助會，仍沿襲過去交易方 2或採取有會首與無會首的差別，由特定（12,24,36 .)的一 的競標團體，其資金運用並不二 '，金額所組織形成 所經營網路储蓄會），如果未得標時，必鮮到下個 與競標，得標充滿不衫因素。當你急需用錢時，假如沒 有仏’卜不僅無法滿足資金需求，還要再缴一筆活會會款。其次 ，：會:―群固定人員的組合’雖有讓會的機制，但規定嚴格 ，使互代人選，還要取得他人同意，讓會制度形同虛設 使互助會流通性受到嚴格限制。 1331313 本發明人基於多年的實務經驗與專業研究，開發線上「合會 平口」讓會又易方法及系統，讓原本存在於互助會書籍十讓會機 制月b在線i合會平台」能廣泛的為大幕所接受，進而提高線 上「合會平台」流通性及市場性，使其成為新金融商品。 【發明内容】 由上述可知，系統業者（如金融機構'融資公司租賃公司 民間會首）提供線上「合會平台」競標組合商品時，必須考慮 該商品本身的市場性與流動性，方能進一步吸引大眾的參與使 八成為技資理財的產品’在每個人的資產配置中佔有一席之地。 因匕本發月線上「合會平台」讓會交易方法及系統，主要目的 就是要提高合會商品的市場性及流祕，制本發明讓「合會平 ΐ群Γ=員，不再侷限於互助會的存續期間，會員參加競 3二t繳交會金後，透過系統業者更新電子會單資料，電 Μ值群組存續期間、計算未得標麵參與競標群組 a會貝應繳義務與期數、每 利自及投样之避▲月日金及，舌會會貝已繳金額、應收 〜之權利。參與的會員以此電子會單了解本身權利以 務價值，可登人讓“騎行交易，滿足本身需求解本身_或義 n「合會平台」讓會交易方法及系統， 者（如金融機構、融資公司 要係糸統業 標及繳款的結果，更新電子綱料，二:每= 。而本發明將由管理飼服器計算參加交易群=、母期會金等 會貝，因投標繳款 1331313 後產生的權利義務，並量化表示，讓群組内的會員在投開標收付 款後，產生權利義務的變化，並記載在電子會單中，讓參與的會 員基於本身需求欲退出競標群組時，可進行線上讓會的轉讓交易 ，將其權利或義務透過讓會系統移轉其他會員。死會會員因而能 以合理的利息提前清償，無須損失額外利息費用（過去死會提前 清償只能把錢全額繳清）或受限於競標群組時間未到期，無法退 出競標群組；活會會員更能獲利了結，取回已繳的資金及應得的 報酬，滿足本身投資理財的需求。 網路使用者，在過去想參加線上「合會平台」，或基於滿足 資金的需求，取得融資；或基於投資理財的需求，賺取報酬，都 需要在取得會員資格後，可選擇參加正募集競標群組，依照競標 群組的存續期間，按時競標以滿足本身的需求。年在線上「合會 平台」讓會交易方法及系統，使會員選擇彈性更大，更貼近本身 的需求。欲取得資金者，可透過讓會系統及其交易方法，選擇受 讓一個活會後，再參與互助會式交易群組的競標活動，以較低的 標息成本取得競標資金而得利；對於欲賺取標息的會員，可透過 讓會系統及其交易方法，計算出讓人合理利息後，以低價受讓一 個活會，提高資金運用效率。所以線上「合會平台」讓會交易方 法及系統，讓以會養會的方式能普及化，使線上互助會的競標群 組的交易方式為大家所接受，成為全新的金融產品。 本發明是由線上「合會平台」競標群組衍生出讓會交易方法 及系統，為達成本發明之目的，本發明中，針對線上傳輸資料的 安全性，本系統可以透過SSL協定，使得跟會者在與讓會系統網 站連線後，可以由讓會網站隨機產生對稱式加密金鑰，用以對該 11 1331313 輸資料的安全 次連線的後續傳輸資料進行加密，藉以確保線上傳 性0 者對於轉讓交易不可否認性之達成：本讓會系統可 以藉由··“目别的自然人憑證中的個人私密金鑰，配合數位簽章 技術來達成此項需求。換言之，欲強化會㈣轉讓交易不可否認 性之確a忍，可以藉由會員在完成轉讓交易前必須藉由個人自然人 憑證中的私密金錄完成對該交易的數位簽章來達到。 在本發明主要技術手段係將原「合會平台」競標群組交易虫 讓會父易’建構於-管理伺服器上，此管理伺服器透過網際網路 、有線及減通訊裝置或區域網路等方式，於網際網路上運作， 會員於取《格後，選料加適錢標_，並絲互 =式，由交易群組各成員出價競標，以取得得標資金，該得標 心金係由所有未得標會員及前期已得標會員支付該期會款所組成 =會交^法傾，係由線上「合會平台」競標群組交易 ^生而來’由競標群組會員參與競標，產生得標會員及未得標合 員，經競標群組交割結算機制，得標會員取得當期得標款項^ :=員=期Γ標Γ，依規賴交會金。系統業者(如金 = 公赁公司、民間會首)管理飼服器於會員繳 :二:即=:::資料’結合本發明後競標群組會員取得 !子曰早不再/、疋表讀開標的結果，可根據電子會單計算耒 件標會員持有競標組合資產價值；可揭示 會金總額，讓已得標會員蛊未才 π 、：來應繳 /、未件私會員憑電子會單進行線上讓會 12 丄丄：) 成電子會:時，由系統業者完成轉讓交易的程序，並完 。早權利義務移轉手續，讓買賣雙方會員均可因此而獲利 一讓會交^統手段’係為 交易的方便性、資料^入 $ 乂易方法#實現，兼顧 -性㈣ 全性、會員交易的隱匿性與不可否 地性’所需要建置的系統 網站功能針對非會員的網路使用者二交括易=端網站:此 T Γ Α 忧用者邛为，包括1.提供網路使用者 架構及ΐΓ平台」競標群組特色；2. 了解「合會平台」讓會系統 目、構及收費標㈣資訊；3.提供「合會平台」競標群組交易中常 問題及答案；4,提供會員資格說明及加人方法等相關訊息的 馬頁’ 5’提供線上加人會員的表格，讓網路使用者能由線上直接 填^入會的申請作業。針對會員使用部份，包括1.會員資料管理 1碼管理；2·提供加入讓會登錄競標之作業；3.提供投標、利 率之試算工具；4.提供會諸務管理及查詢王具；5.資金組合操 作說明；6.會員使用之客服網頁及專線。二、讓會交易系統後端 s理系統：後端管理系統功能分為三個子系統，第一：會員交易 官理系統’包括1.新會員申請處理；2會員基本資料管理；3.會 員社碼資料管理；4.會員交易記錄管理；5會員讓會資料管理。 第一：競標組合讓會管理，包括丨.讓會資料設定；2.讓會成交結 果通知；3.讓會交易明細查詢；4.清算與分配管理。第三：會計 糸統 包括：1.各項費 2.報表查詢及列印 管理。三、讓會交易系統資料庫管理系統，系統功能包括丨.會員 資料庫建置；2.資金組合相關之資料庫建置；3.交割結算相關資 料庫建置。 13 1331313 乂綜上所述，-種線上「合會平台」讓會交易方法及系統，為 則所未有的發明，讓會交易方法將原為資料紀錄電子會單，透過 交易方法的設計與系統運用’轉變成為表彰會員對該競標群組權 利與義務的標的，並透㈣統進行轉讓交η统提供者無須增 加任何手續或額外提供任何憑證，讓會⑽使讓會交易方法^ 現’藉著網路跨越時間與空間的特性，解決傳統「合會平台」封 閉性、市場性及流動性的難題，同時兼顧交易的方便性資㈣ 輸的安全性、會員交易的隱匿性及不可否認性，讓線上「合會平 台」競標群組，能在投資理財的產品“有―席之地，更成:金 融市場不可或缺的產品。 【實施方式】 對線上「合會平台」競標群組相關名詞及交易方法說明如下 « 有會首或無會首：系統業者（如金融機構、融資公司、袓賃 么司民間會首）成立線上「合會平台」，可採有會首或無會首 方式，其投開標通知、會單製作、收款、付款，由「合會平台」 系統完成’並由系統業者負責。 13 競才示群組.由系統業者於線上組成固定期數Ν (㈣2 ' ^、 Μ...240’-般有會首習慣為12倍數+ ι，無會首則為a的倍數 )4團體’因其線上交易方式與民間互助會有所差異，稱為競 標群組。 。會平。.線上競標群組雖與民間互助會有所差異，但競標 1331313 方式'固定會期、計算方式與互助會_樣，完成線上競標群組競 標平台或傳統互助會網路化的平台，稱之為「合會平台」。 曰員.網路使用者必須事先取得系統業者核可，核發會員憑 證（帳號及密碼）’取得f格’才能參與競標群組。 投標：競標群組參與會員，群組中每-份會（有的人同-群 組可跟兩會或以上），每次競標可投標—次，並可得標—次，得 標後不得再競標。 電子會單· s參加會員符合競標群組成立條件時，系統會產 生競h群、，且並產生電子會I會單上提供競標群組名稱、開標 曰、競標群組、第-標日期、最後—標日期、會金（1萬或2萬 :)、底標（可有可無）、投標單位（1〇元或％元或ι〇〇元可 口丁或可不訂）、活會人數、死會人數、各其得標標金、會員狀況 (死會或活會）、參與會員_ (由會員自訂）等。 死會與死會會貝.參與競標群組的會貢，已得標後的競標群 組’稱死會；已得標會員則稱為死會會員。 會〃活會會員·參與競標群組的會員，未得標的競標群組 ，稱活會；未得標會員則稱為活會會員。 、：標或外標：「合會平台」競標群組可採内標或外標，成立 時决疋’本發明競標群組競標方式並不侷限於内標或外標的方 j右約疋會金為F(例如約定會金為丨萬元），得標標金為i (假 二’ 〇〇元）’採内標方式時活會會員須繳款（F-i ;繳款9,000 2)，死會會員須缴款F(1萬元）；若採外標方式，活會會員固 疋繳7"人F(1萬凡）’八死會會員固定繳款（F+Ai)，Ai指a會 15 丄 J·二）丄：) 員第1期得標的標金（如當初得標金1，GG_定繳叩⑻元）。 去^^體：互助會的交㈣性，參與的會員除了第—期得# 者為早純借款者，最後—期得標者為㈣者之外 ^ = :::存款者也是借款者，會員未得標前兼具存二與 W者雙“色，稱之為存借一體。 本㈣係建構於線上「合會平台」競標群組的交易上， 統理舰器’此管理伺服器透過網際網路、有線通訊裝置 、’…線通訊裳置、或區域網路等方式，於線上成立「合合平a 競標群組，並新增讓會交易方法與系辭段。讓會交易手段:要 由線上合會平台」產生線上互助會式競標交易群組衍生而來， 線上互:會式競標交易群組，在競標群組成立後，開始於約定時 ，以競標方式決;^每―期的得標會員，並藉資金清算系統，收取 ”他《員的資金交予得標者，得標會貴取得f金後，對競標群链 後續期間^款義務；未得標者賺取應收利,自〆繳款後由系統業 者更新會單貝料，競標群組會貢可依個人需求進行讓會交易。 線上合會平台」競標群組競標手段及讓會交易方法與系統 ’其工作流程包括下列步驟，以圖示加以說明如下： &會員申請手段，第一圖係先前技術線上「合會平台」會員申 清手段之工作流程圖；網路使用者登錄申請會員⑽U，平台提供 者接受網路使用者提出入會申請；資料符合者，進行徵信調查 (2) ’貝格不符、信用不佳者’拒絕加入會員，不受理通知 (1〇3) ’通過徵信調查者，系統對申請者作風險分級（广核 准成為會員（1G5);並進行會員契約狀(刚）；核發會員帳號與 1331313 密碼（107)。 取得會員資格後，可參加競標群組並開始競標，第二圖係先 前技術線上「合會平台」會員參加競標群組之流程圖；當會員取 得資格後，會員帳號與密碼登入「合會平台」系統（201)，點選 想參加競標群組（202)，參加人數到連系統設定人數（ 203 )，成立 競標群組(204)，系統製作電子會單（ 205 )，公告於該競標群組中 ，並用e-mail通知會員，開始競標群組競標活動（206 )。 會員競標完成後，電腦於固定時間開標，第三圖係先前技術 線上「合會平台」競標群組開標之工作流程圖；會員參與競標 (301)，截止投標後電腦進行開標前覆核（302)，接著判斷是否已 逾投標時間（303)，及判斷是否違反相關規定（304)，例如未繳款 或信用不良等，如是則為無效標金（305)，否則為有效標金（306) ，接著電腦啟動開標（ 307)，從有效標金產生最高標的得標者（ 308)，並結束當期投開標作業。 開完標，會員繳款截止後，電子會單更新，第四圖係競標群 組繳款後電子會單更新之流程圖；未得標會員繳交活會會金（ 401)及已得標會員繳交死會會金（ 402)於交割專戶（ 403 );由 交割專戶將得標款交付給得標會員（ 404);系統同時進行會單更 新、通知及公佈（ 405);更新會員得標狀況（ 406)，競標群組得 標與剩餘期數（407)，每期得標的標金（ 408)。 電子會單更新後，活會會員可進行競標群組轉讓交易，第五 圖係本發明線上「合會平台」競標群組活會會員讓會手段之工作 流程圖；取得會員資格的會員，可登入讓會系統（501)，可瀏覽 17 1331313 讓會糸統所揭露的資訊；當活會會員有轉㈣求時，_ 項，糸統再次要求會員登人會M帳號與密碼= 及競標群組資料（ 502 );通過檢核後，出讓人輪入出讓條件’ 5〇4)，進入讓會线交易⑽），進行交易撮合；當登人 統會員有意受讓活會時，點選受讓選項，㈣再次要求會員登二 會員帳號與密碼’系統檢核會員f料及帳戶f料（5Q3);通過檢 核後，輸入受讓條件（5〇5);進入讓會系統交易（5〇6)，進行: 易撮合；讓會系統將出讓人競標群組控管（5G7)，同時對受讓人 的帳戶金額控管（5G8)，並對於㈣人及受讓人的條件進行撮合 ，當條件-致時’則出讓人及受讓人交易成功撮合成交（5⑽）， 並進行交縣算（510) ’將受讓錢及麟群組權利進行移轉， 並將資料傳輸到資料庫（511 )。 電子會單更新後，死會會員可進行競標群組轉讓交易第六圖 .係本發明線上「合會平台」競標群組死會會員讓會手段之工作 流程圖；取得會貝資格的會員，可登人讓㈣統⑽），可劉覽 讓會系統所揭露的資訊；當死會會員有轉讓需求時，點選出讓選 項，系統再次要求會員登入會員帳號與密碼，系統檢核會員資料 及競標群組資料（6G2);通過檢核後，出讓人輸人出讓條件（ 604)’進入讓會系統交易（606)，進行交易撮合；系統將出讓的 死會金額，從死會會員帳戶加以控管（ 607);當登入讓會系統會 員有意受讓死會時’點選受讓選項m欠要求會員登入會員 帳號與密碼，系統檢核會員資料及信用資料（603)，通過檢核後 ，輸入受讓條件（605 );進入讓會系統交易（ 606)，讓會系統將 出讓人的競標群組與帳戶金額控管（6〇7)，並對於出讓人及受讓 18 1331313 人的條件進行撮合，當條件一致時，則出讓人及受讓人交易成功 撮合成交（ 608 )，並進行交割結算，並將競標群組繳款義務與出 讓金額移轉給受讓人（ 609)，並將資料傳輸到資料庫系統（610) 〇 電子會單更新後，活會會員可進行競標群組讓會議價交易手 段，第七圖：係本發明線上「合會平台」競標群組活會會員讓會 手段之交割工作流程圖；取得會員資格的會員，可登入讓會系統 (701 )，可瀏覽讓會系統所揭露的資訊；當會員有出讓需求時， 點選出讓議價選項，系統再次要求會員登入會員帳號與密碼（ 702);系統檢核會員資料及出讓競標群組資料（ 703 );通過檢核 後，讓會議價系統揭示出讓競標群組資料（704);當登入議價讓 會系統會員有意受讓競標群組的會員，對於有意受讓的競標群組 ，可點選議價選項（705)，由雙方進行議價；當雙方條件一致時 ，點選議價成交（ 706);這時系統再次分別要求成交會員進行再 確認（ 707)，出讓人輸入成交出讓條件，作成交確認，系統檢核 無誤後；系統要求受讓人覆核出讓人輸入成交條件，再作成交確 認，確認雙方成交時，系統確認帳戶金額與條件無誤，及競標群 組資料無誤後，對帳戶金額及競標群組進行控管；則議價成交（ 708);成交後進行交割結算（ 709)，當受讓人為受讓活會時，則 將受讓人金額轉入出讓人的帳戶，同時將出讓人的競標群組權利 移轉給受讓人。當受讓人為受讓死會時，則將出讓人金額轉入受 讓人的帳戶，同時將出讓人的競標群組繳款義務移轉給受讓人。 最後將資料傳輸到資料庫系統儲存（710)。 第八圖：係一種線上「合會平台」讓會系統之系統圖。本發 19 1331313 ^係種種線上「合會平台」之讓會系統（則該系統有— s里词服5 ( 8G4 ) ’此官理词服器透過網際網路、有線通訊裝置 、無線通訊裝置，或區域網路等方式與系㈣者（_)連沾， 該相關機構’原為合會平台之經營者’其審核通過之客戶即_ 為線上合會平台會員（謝）以進行讓會交易。會員以電腦、電 洁、PDA等裝置透過網路或通訊系統⑽）與管理词服器連結 該管理舰包含三種資料庫：會貝資料庫（⑽5)用以儲存 上由居管理舰器與系統業者經交換訊息得到之會員相關資料， 此平台即以此徵信資料為會員之競標限制；競標群組資料 8〇6)用以儲存由該管理舰器建立之各種競標群組之資料包 括會員从管理飼服器開標、會貝權利義務移轉等；交割結算 :::庫（ 807 )用於儲存該皆理飼服器進行該競標群組結算與交 i後之資料’將會員開標後及會員的實際繳款狀況等回傳至此資 料庫’管理伺服器整合將結果存人此資料庫；系統提供者（8〇9 2如金融機構 '租賃公司、融資公司、民間會首.等透過後 =理系統（8G8)，進行會員的交易管理、競標組合讓會管理、 例Π等，將會員信用狀況作即時管控，並將資料傳輸到管理 伺服盗中相關資料庫儲存。 ::明:、建構於線上「合會平台」競標群組的交易上，網路 進行1取格後，可選擇參加競標群組或進人讓會系統 會:=舍Γ圖到第三圖為具體工作流程，所描述的為線上合 七圖^〜、競標群_成立及投開標方式，第四圖到第 則為-種「人會父易方法之流程，第八圖 口會千ο」讓會系統之系統圖。 20 1331313 本發明「合會平台」讓會交易方法與系統，將原來的電子會 單，透過交易方法的設計與系統的支援，成為參與競標群組會員 買賣的標的，本發明的設計，對系統提供者、參與的會員、金融 產業都有正面積極與正面的意義，敘述如下： 1. 對於系統而言，不需要再額外提供其他憑證，增加作業成 本，只要把投、開標後，固定更新的電子會單流程，透過交易方 法的設計及系統的支援，而成為買賣標的，提高合會平台的市場 接受度，大幅提高合會平台市場性，而且在轉讓交割的過程中， 也能收取部份的手續費，增加營運收入。 2. 對於參與會員而言，依競標群組存借一體的特性，不需要 錢時可以獲取報酬，需要資金時可參與競標，取得資金。加入本 發明的設計，想中途退出時，可以轉讓方式賣出去，想中途加入 時，也可以由讓會系統受讓競標群組。讓會的交易方法，大幅提 高會員流動性，提升參與意願，也使會員不再受限於群組期間的 限制，依本身需求選擇加入合適競標群組，而資金以直接金融方 式由競標取得，更貼近會員的實際需求，也使資金效率大幅提高 〇 3. 對於「合會平台」產業面而言，民間互助會的方式，集中 在小區域、小團體的小眾市場，為地下金融的一環，隨著資訊科 技的運用及交易方法的改良，由公司或金融業者建立平台經營， 希望能大眾化普及化成為金融產品，但仍力有未逮，究其原因， 在於無法突破互助會的封閉形式，透過本發明設計，會員不再受 限於群組期間的限制，競標群組存續期間不再左右會員參與意願 21 1331313 ，系統提供者能針對不同族群會員需求，提供不同期間的產品， 使所有網路使用者樂於加入會員，加入競標群組的交易，使「合 會平台」產品成為全新金融產品，為大眾所接受。 22 1331313 【圖式簡單說明】 第一圖：係先前技術線上「合會平台」會員申請手段 之工作流程圖。 第二圖：係先前技術會員參加競標群組之流程圖。 第三圖：係先前技術競標群組開標之流程圖。 第四圖：競標群組繳款後電子會單更新之流程圖。 第五圖：係架構本發明競標群組活會會員讓會手段之 工作流程圖。 第六圖：係架構本發明競標群組死會會員讓會手段之 工作流程圖。 第七圖：係架構本發明競標群組讓會議價交易手段之 工作流程圖。 第八圖：係一種「合會平台」讓會系統之系統圖。 【主要元件符號說明】 無 231331313 IX. Invention Description: [Technical field of invention:: Ming-species online "Conference Platform" transfer trading method and system, established by the line:: platform", the mutual aid-type bidding group level, according to the bidding group In the case of the Group's "Participation Platform", the Mutual Aid Group's bidding group is a secondary market for the trading method and system generated by the initial meeting. The design of the meeting and the system is mainly through the design of the trading method. , combined with the purpose of the information technology transport (four) μ invention. When the original folk mutual aid association is established, the required production form will be promoted to enhance the recognition of the rights and obligations of the members through the design of the transaction method, combined with the online transaction and the personalized feature sub-single function. In accordance with this electronic bill, the member can engage in the transfer transaction and reach it through. : On the "Conference Platform" trade fair method and system, (4) the industry (such as finance: Bay Company, rental company, civil society leader, etc.) set up a different period of "Γ二"Γ combination 02, 24, 36 Period, 6. Periods...etc., different groups), δ grid members rely on their own needs through the Internet, etc. Industry:: Establish a "conference platform" bidding group. The "Conference Platform" bidding group =, the production of electronic bills to provide participating members, and members to participate in the f money campaign through the Internet, wired devices, and non-information devices. The online "conference platform of the company", through the system of "Xihuifeng", is to update the electronic information sheet through the department 4 after the opening of each period, and to obtain the standard parameters through the transaction method. The value of the money standard (including the (four) axis sewing interest) and the 6 1331313 standard bidders should pay the future. Participating members update their electronic bills monthly to understand the value of the living assets or the amount of the dead debts implied by their rights or obligations. All members of the "Conference Platform" who participate in the electronic agreement will understand the assets or liabilities of their participation in the bidding group's rights and obligations, and log in to the transfer system to meet their own needs according to their own needs. An online "conference platform" trade fair method and system belongs to the technical field, through the design of the transaction method and the establishment of the system, taking into account the convenience of the transaction, the security of data transmission, the occultity of the member transaction and the undeniable Sex, combined with the use of information technology, the establishment and development of software and hardware facilities, an online "conference platform" to allow trading methods and systems. In terms of the security of online data transmission, in the present invention, for the security of online transmission of data, the system can use the SSL protocol, so that the participants can be randomly generated by the conference website after being connected with the website of the conference system. The symmetric encryption key is used to encrypt the subsequent transmission data of the connection to ensure the security of the data transmitted on the line. For the attendee's non-repudiation of the transfer transaction: the system of the transfer can be achieved by combining the personal privacy key in the current natural person certificate with the digital signature technology. In other words, to confirm the member's confirmation of the non-repudiation of the transfer transaction, the member must obtain the digital signature of the transaction by the private key in the personal natural person certificate before completing the transfer transaction. An online "conference platform" trade fair method and system, through a variety of technical means to achieve transaction convenience, data transmission security, member transactions occult and non-repudiation, the trading system and the concession trading system The front-end website and the three main inventions of the 7-systems have been able to be realized through the use of information technology. Only the ® too π #人曰理's transfer mechanism is transformed from the ρ bow of Yizhong to the members. 4 'Make mutual wealth through the use of information technology to access financial products, and the flow and liquidity of “this is an online direct syndication platform”, and improve the efficiency of fund allocation for participating members. l [The prior art meeting (called Tp| called the mutual aid society) has been circulated for a long time. Because the mutual aid society has the functions of saving and capital, it can meet the needs of investment and wealth management. Therefore, although there is a lack of modern investment and financial management: there is a new generation of gold, and the gold (four) structure is everywhere, but: it is still deeply loved by the public. ^ The advancement of Internet technology has changed the way the traditional mutual aid will be drawn. In the second year, the company passed the review of the Wisdom and Finance Bureau, and obtained the patent right of the invention number No. 6-26. Operate externally in the name of a computerized traditional mutual aid association in conjunction with a financial institution overdraft. By signing a website on a website through a computer or various communication devices, breaking the previous mutual help is limited to the j zone or the niche group. Although the company has led the bank's credit information method to use the overdraft method to control risks, but still can't (4) the public's doubts about the reversal, especially the credit is the time to accumulate 'operating network storage f will provide member performance guarantees! The net value of the company is limited. Therefore, through the use of information technology, it is still unable to eliminate the public’s doubts about the reversal of the problem by using the online savings society to manage the problem. Bidding method 1331313 According to the Business Times 2006 i〇 month 4_ anti, secluded, monthly 4唬 report, Jianhua Commercial Bank (has changed its name to Shui Dou Bank) to open a "floating interest rate fund trading platform mutual aid association bidding method to package, become the 仃Will be the guest ^ Hechang u become a silver 仃 product 'Jianhua Bank in addition to its own, although the dream Jianhua Silver / U its trading method and mutual aid will be no different, so the Ministry of Justice believes that although Jianhua Bank constructed this - platform type and civil law meeting rules However, the nature of the fund bidding combination is essentially called the mutual aid association. Therefore, the "floating car ^ ^ civil law standard meeting (folk custom called the rate of funds) "Platform" is still a "Conference Platform" to provide a σ meeting platform, and serves as a bidding group. The use of the letter of credit professional, carefully selected members, can indeed == = good for the public, there is no doubt in the promotion For the big = accept and right no match system and the trading method, it is still unable to change the trading method of the bidding group closed by the joint platform. 〇J, whether in the private or network established mutual aid association, still follow the past transaction Party 2 or adopts the difference between the first meeting and the no meeting. The bidding group of the specific (12, 24, 36.) has no use of funds, and the amount is organized to form the network saving meeting. If you don't get the bid, you will have to go to the next bidding, and the winning bid will be full of non-shirt factors. When you need to use the money urgently, if you don't have the money, you can't meet the fund demand, but you have to pay another live meeting. ,: Will: "Combination of group of fixed personnel" Although there are mechanisms for letting the meeting, but the rules are strict, so that the choice of each other, but also to obtain the consent of others, the system of the meeting is ineffective, so that the liquidity of the mutual aid society is strictly restricted. 1331313 The inventor is based on many The practical experience and professional research, the development of the online "combination of the Pingkou" will make it easy to use methods and systems, so that the original existence of the Mutual Aid Society book ten-conference mechanism month b online i-conference platform" can be widely accepted for the curtain, and then Improve the liquidity and marketability of the online "joint platform" and make it a new financial product. SUMMARY OF THE INVENTION As can be seen from the above, when a system operator (such as a financial institution 'financing company leasing company private association head) provides an online "conference platform" bidding combination product, it must consider the marketability and liquidity of the product itself in order to further Attracting the participation of the public makes eight become a product of financial management's place in each person's asset allocation. The main purpose of the "Conference Platform" trading method and system is to improve the marketability and flow of the products of the association. The invention will make the "consultation of the group", no longer limited. During the duration of the Mutual Aid Association, after the members participate in the competition, they will update the e-ticket information through the system operators, and during the existence period of the e-depreciation group, calculate the unsuccessful participation in the bidding group. With the number of periods, for each benefit and for the sample, the amount of money to be paid and the right to receive the money will be paid. The participating members will understand the rights and value of this right by using the electronic bill of lading. Let "ride the transaction, meet the needs of its own solution _ or the meaning of the "conference platform" to allow trading methods and systems, such as financial institutions, financing companies to be the result of the system and payment, update the electronic plan , two: each =. And the present invention will be calculated by the management feeding machine to participate in the transaction group =, the mother of the meeting, etc., due to the rights and obligations generated after the bid payment 1331313, and quantified, let the members of the group Generated rights after the payment of the payment The changes are recorded in the electronic meeting list, so that the participating members can withdraw from the bidding group based on their own needs, and can transfer the online transfer meeting, and transfer their rights or obligations to other members through the transfer system. Members can therefore pay off in advance with reasonable interest, without the need to lose extra interest fees (in the past, the premature death will be paid in full before the payment can be paid in full) or limited by the time of the bidding group has not expired, can not withdraw from the bidding group; It is more profitable, reclaiming the funds already paid and the remuneration it deserves to meet the needs of its own investment and wealth management. Internet users have wanted to participate in the online "conference platform" in the past, or to obtain financing based on meeting the needs of funds. Or, based on the needs of investment and financial management, earning remuneration, you need to choose to participate in the fundraising bidding group after obtaining membership, and bid on time to meet your own needs according to the duration of the bidding group. The "Conference Platform" will allow trading methods and systems to make members' choices more flexible and closer to their own needs. Those who want to obtain funds can make a reservation. And the trading method of the system, choose to accept a live event, then participate in the bidding activities of the mutual aid group trading group, and obtain the competitive funds at a lower standard of interest to benefit; for the members who want to earn the standard interest, through After the system and its trading method are calculated to make people's reasonable interest, they can accept a living at a low price and improve the efficiency of capital utilization. Therefore, the online "conference platform" allows trading methods and systems to be used in a meeting. It can be popularized, and the trading method of the bidding group of the online mutual aid society is accepted by everyone and becomes a brand new financial product. The present invention is a method and system for deriving a transaction from the online "conference platform" bidding group, in order to achieve the present invention. The purpose of the present invention is that, for the security of online transmission of data, the system can use the SSL protocol, so that the participants can randomly generate a symmetric encryption key from the conference website after connecting with the website of the conference system. Encrypt the subsequent transmission data of the secure secondary connection of the 11 1331313 data to ensure that the line uploadability is non-repudiation for the transfer transaction. Complete: This will allow the system to be by individual secret key · "Head in the other natural person certificate, with the digital signature technology to achieve this requirement. In other words, if you want to strengthen the meeting (4), the non-repudiation of the transfer transaction is indeed tolerable. It can be achieved by the member completing the transfer transaction and completing the digital signature of the transaction by the private record in the personal natural person certificate. In the main technical means of the present invention, the original "conference platform" bidding group transaction worms will be built on the management server through the Internet, wired and reduced communication devices or regional networks. In other ways, it operates on the Internet. After the members take the "grid, the material selection plus the appropriate money mark _, and the mutual exchange, the bidding of each member of the trading group to obtain the winning funds, the standard gold It is composed of all the unsuccessful members and the pre-existing members who have paid for the period of the meeting. The meeting will be submitted by the online "conference platform" bidding group transaction ^ born from the bidding group members Bidding, the winners of the winning bidders and the unsuccessful bidders, through the bidding group settlement and settlement mechanism, the winning members get the current bidding amount ^ : = member = period standard, according to the rules of the remittance. System operators (such as gold = public leasing company, civil society leader) management feeding device in the membership payment: two: ie =::: data 'in combination with the invention after the bidding group members get! Zixiao is no longer /, 疋 table According to the results of the open bidding, the value of the bidding portfolio member can be calculated according to the electronic bill of lading; the total amount of the bidding member can be revealed, so that the winning bidders are not only π,: the dues are paid, and the private members are not electronically The meeting will be held online for 12 丄丄 :) into the electronic meeting: When the system operator completes the transfer transaction process, and finishes. The transfer of early rights and obligations, so that both members of the buyer and the seller can make a profit, and let the system be handed over to the convenience of the transaction, the information is entered into the $ method, and the consideration is - (4) fullness, membership The occultity and irrationality of the transaction's need to build the system website function for the non-members of the network users to the two users to the end of the website: this T Γ 忧 worries, including 1. provide network "User Structure and Platform" bidding group features; 2. Understand the "Conference Platform" system, structure and fee (4) information; 3. Provide "conference platform" bidding group transactions in common questions and answers; 4 The page "5", which provides information on membership and the method of adding people, provides a form for online membership, allowing network users to fill in the application directly from the online. For the use of members, including 1. Member data management 1 code management; 2. Provide access to the competition to log in to the bidding; 3. Provide bidding, interest rate trial tools; 4. Provide management and query of the royal equipment; . Description of the operation of the fund combination; 6. Customer service pages and special lines used by the members. Second, the transaction system back-end s system: back-end management system functions are divided into three subsystems, the first: member transaction system system 'includes 1. new member application processing; 2 member basic data management; 3. member society Code data management; 4. Member transaction record management; 5 member transfer data management. First: bidding portfolio management, including 丨. let the meeting data set; 2. let the transaction result notification; 3. let the transaction details query; 4. clearing and distribution management. Third: Accounting 糸 System includes: 1. Various fees 2. Report inquiry and printing management. Third, the transaction system database management system, system functions include: membership database construction; 2. fund portfolio related database construction; 3. delivery settlement related database construction. 13 1331313 In summary, the online trading method and system of the "Conference Platform" will be an unprecedented invention. The transaction method will be the original electronic record of the data record, through the design of the trading method and The system uses 'transformation to recognize the subject's rights and obligations to the bidding group, and through the (4) unified transfer of the natto provider without any additional procedures or additional credentials, let the meeting (10) make the transaction method ^ Through the network to overcome the characteristics of time and space, solve the problems of the traditional "conference platform" closed, market and liquidity, while taking into account the convenience of transactions (4) security of the loss, the occultity of member transactions and undeniable Sex, let the online "Conference Platform" bidding group, can invest in wealth management products "has a place to become a product that is indispensable in the financial market." [Implementation] Online "Conference Platform" bidding group The group related nouns and trading methods are as follows: « There is a meeting or no meeting: system operators (such as financial institutions, financing companies, 袓 么 司 民间 ) ) ) ) ) Taiwan ", will be taken there would be no first or the first mode, opening its investment notification, single production, collection, payment, done by" The Council platform 'system' by the system operators responsible. 13 competition show group. The system industry consists of a fixed period of time on the line Ν ((4) 2 ' ^, Μ ... 240' - the general habit is 12 times + ι, no first is a multiple of a) 4 Groups are called bidding groups because of their differences in online trading methods and civil society. . Will be flat. Although the online bidding group is different from the folk mutual aid association, the bidding 1331313 method 'fixed meeting period, calculation method and mutual aid meeting _, complete the online bidding group bidding platform or the traditional mutual aid network networked platform, called "combination Meeting platform." Employees. Internet users must obtain prior approval from the system operator and issue a membership certificate (account number and password) to obtain the f-square to participate in the bidding group. Bidding: The bidding group participates in the membership, each group in the group (some people can share the same two groups or more), each bid can be bid-timed, and can be awarded the standard-time, after winning the bid, no longer Bidding. The electronic meeting list · s participating in the meeting meets the conditions for the establishment of the bidding group, the system will generate the competition group, and generate the electronic group I will provide the bidding group name, the opening bid, the bidding group, the first-mark date, Finally - the date of the mark, the gold (10,000 or 20,000:), the bottom mark (may be optional), the bidding unit (1 yuan or % yuan or ι〇〇元咖丁 or may not order), the number of participants, The number of deaths, their respective bids, membership status (death or live), participation in membership _ (customized by members), etc. The death and death will be. The participation in the bidding group will be tribute to the bidding group after the bid, and the winning member will be called the dead member. Members who participate in the competition, members who participate in the bidding group, unsuccessful bidding groups, and live events; those who do not win the standard are called members of the event. ,: Standard or external standard: "Conference Platform" bidding group can adopt internal or external standard. When it is established, the bidding method of the bidding group of this invention is not limited to the internal standard or the external standard. Jin is F (for example, the agreement will be RMB 10,000), and the standard bid is i (fake two '〇〇元)'. When the internal standard method is adopted, members of the living club must pay (Fi; payment 9,000 2), and die. Members will be required to pay F (10,000 yuan); if the foreign standard method is adopted, the members of the membership will pay 7"People F (1 million), the fixed contribution of the members of the eight dead members (F+Ai), Ai means a Meeting 15 丄J·2)丄:) The first prize of the first prize (such as the original bid 1, GG_ fixed 叩 (8)). Go to ^^体: Mutual (4) sex of the mutual aid association, the participating members except the first-period # are early pure borrowers, and the final-period winners are (four) outside ^ = ::: depositors are also borrowers, members Before the standard, there is a double color between the two and the W. It is called the deposit and loan integration. This (4) is built on the online "Conference Platform" bidding group transaction, and the management of the ship 'this management server through Internet, wired communication devices, '...line communication, or regional network, etc., set up the "combined a bidding group online, and added the trading method and system of the transfer. : To be derived from the online syndication platform to generate online mutual aid bidding trading groups, online mutual: meeting bidding trading group, after the bidding group is established, start at the time of the agreement, by bidding; ^ each The winning member of the period, and borrowing the fund clearing system, collects the "his "person's funds to the successful bidder, after winning the bid to obtain the f-gold, the obligation of the follow-up period of the bidding group chain; Profits should be collected, and the system will update the bills and materials after the payment is made. The trading can be conducted according to individual needs. The online exhibition platform "bidding group bidding means and the method and system of the trading process" include the following steps, which are illustrated as follows: &member application means, the first figure It is the work flow chart of the application method of the “Conference Platform” members of the previous technology online; the network user login application member (10)U, the platform provider accepts the online user to apply for membership; the data is consistent, and the credit investigation (2) ) 'Beg's inconsistent, poor credit' refuses to join the membership, does not accept the notice (1〇3) 'Through the credit investigation, the system makes the risk classification of the applicant (widely approved to become a member (1G5); and the member contract Shape (just); issue member account and 1331313 password (107). After obtaining membership, you can participate in the bidding group and start bidding. The second picture is the flow chart of the members of the previous technical online "Conference Platform" members participating in the bidding group; After the member is qualified, the member account and password are logged into the "Conference Platform" system (201), and you can click on the bidding group (202). The number of people (203), the bidding group (204) is established, the system creates an electronic meeting list (205), announces it in the bidding group, and notifies the member by e-mail, and starts the bidding group bidding activity (206). After completion, the computer will open the bid at a fixed time. The third picture is the workflow diagram of the bidding group bidding group of the previous technical line; the member participates in the bidding (301), and the computer performs the pre-opening review (302) after the bidding. Then, it is judged whether the bidding time has been exceeded (303), and whether the relevant provisions (304) are violated, such as unpaid or bad credit, if it is invalid (305), otherwise it is a valid standard (306), and then The computer starts the bid opening (307), and the highest bid winner (308) is generated from the valid bid, and the current bid opening operation is ended. After the completion of the bid, the membership bill will be updated after the member's payment deadline. The fourth picture is the flow chart of the e-newsletter update after the bidding group's payment; the unsubscribed member pays the live meeting gold (401) and has won the bid. The member pays the death club gold (402) to the delivery account (403); the delivery account will deliver the standard payment to the winning member (404); the system will simultaneously update the order, notify and announce (405); update The member's winning status (406), the bidding group winning the bid and the remaining period (407), the winning bid for each period (408). After the electronic meeting is updated, the members of the event can conduct the bidding group transfer transaction. The fifth picture is the work flow chart of the online "conference platform" bidding group member member meeting means of the invention; the member who has obtained the membership can Log in to the conference system (501), you can browse the information disclosed by 17 1331313. When the members of the club have a turn (4), _ items, the system asks the member to board the club M account and password again = and bidding group Group information ( 502 ); after the check, the transferor enters the transfer condition '5〇4), enters the transfer line transaction (10)), and conducts the transaction match; when the board member is interested in the transfer, the vote is selected Let the option, (4) ask the member to log in the second member account and password again 'system check member f and account f material (5Q3); after checking, enter the transfer condition (5〇5); enter the transfer system transaction (5〇 6), proceed: easy to match; let the system will bid for the group control (5G7), and at the same time control the account amount of the transferee (5G8), and for the (four) person and the assignee's conditions, When the condition is - the time is the success of the transferor and the transferee. The transaction (5 (10)), and the payment of the county (510) ‘transfer the transfer of money and the rights of the group, and transfer the data to the database (511). After the electronic meeting is updated, the members of the guild can conduct the bidding group transfer transaction. The sixth picture is the working flow chart of the online "conference platform" bidding group squad member resignation means; You can let people (4) (10)), the information disclosed by Liu Liu's system; when the members of the death club have transfer requirements, click the option to transfer, the system asks the member to log in to the member account and password again, and the system checks the member information and Bidding group information (6G2); after the check, the transferor enters the transfer condition (604) 'Enter the transfer system transaction (606), the transaction match; the system will transfer the amount of the death, from the death club account Control (607); When the login system member intends to accept the death meeting, 'click the transfer option m to ask the member to log in to the member account and password, the system checks the member information and credit information (603), after passing the check Enter the transfer condition (605); enter the transfer system transaction (606), let the system control the bidder's bidding group and account amount (6〇7), and for the transferor and the transferee 18 1331313 condition When the conditions are the same, the transferor and the transferee succeed in the transaction (608), and the settlement is settled, and the bidding group payment obligation and the transfer amount are transferred to the transferee (609), and Transfer the data to the database system (610) 〇 After the electronic meeting list is updated, the members of the event can conduct the bidding group to make the meeting price trading means. The seventh picture is the online "Conference Platform" bidding group member of the present invention. The delivery method of the meeting means; members who have obtained the membership can log in to the transfer system (701) to view the information disclosed by the transfer system; when the member has the transfer request, click the bargain option and the system asks again. Member login member account and password ( 702); system check member information and transfer bid group information ( 703 ); after checking, let the conference price system reveal the bidding group information (704); when logging in to the bargaining system Members who are interested in the bidding group may click on the bargaining option (705) for the bidding group that intends to be transferred. The negotiation will be conducted by both parties; when the conditions are the same, the bargaining will be selected. Pay (706); at this time, the system again asks the member to re-confirm (707), the assignor enters the transaction delivery condition, confirms the transaction, and the system checks the correctness; the system asks the transferee to check the input conditions, and then Confirmation of the transaction, confirming the transaction between the two parties, the system confirms that the account amount and conditions are correct, and after the bidding group data is correct, the account amount and the bidding group are controlled; the bargaining transaction is completed (708); the settlement is completed after the transaction (709) ), when the transferee is a transferee, the transferee's amount is transferred to the transferor's account, and the transferee's bidding group rights are transferred to the transferee. When the transferee is a transferee, the transferor's amount is transferred to the transferee's account, and the transferee's bidding group payment obligation is transferred to the transferee. Finally, the data is transferred to the database system for storage (710). Figure 8: A system diagram of an online "conference platform" concession system. This issue 19 1331313 ^ is a system of various "conference platform" on the line (the system has - s lyrics 5 (8G4) 'this official word processor through the Internet, wired communication devices, wireless communication devices Or the regional network and other methods are related to the department (4) (_), the relevant organization 'formerly the operator of the joint platform', the customer who passed the review is the member of the online conference platform (thank you) for the meeting The transaction is connected to the management word server through the network or communication system (10) by means of computer, electric cleaning, PDA, etc. The management ship contains three kinds of data bases: the Huibei database ((10)5) is used to store the management ship. The information related to the members obtained by the system operators through the exchange of information, the platform uses the credit information as the member's bid limit; the bid group information 8〇6) is used to store the information of various bidding groups established by the management ship. Including members from the management of the feeding machine, the transfer of rights and obligations, etc.; delivery settlement::: library (807) for storing the information on the feeding device for the settlement of the bidding group and the information after the transfer of 'members After the bid opening and the actual membership The status of the payment is returned to this database. The management server integration will store the results in this database; the system provider (8〇9 2 such as financial institutions' leasing companies, financing companies, private clubs, etc. 8G8), conduct member transaction management, bidding portfolio management, case management, etc., manage the member's credit status in real time, and transfer the data to the relevant database of the management server. 3. Ming: Build on the line On the transaction of the bidding group of the "Conference Platform", after the network has made a random selection, you can choose to participate in the bidding group or enter the conference system: = the diagram to the third diagram is the specific workflow, described as On-line combination of seven maps ~ ~, bidding group _ set up and open bidding method, the fourth picture to the first is a kind of "personal process of the father's easy method, the eighth picture will be thousands of times" system diagram of the system. 1331313 The "Conference Platform" of the present invention allows the transaction method and system to make the original electronic order form the target of the bidding group members through the design of the trading method and the support of the system. The design of the present invention is provided to the system. Ref. The members and the financial industry all have positive and positive meanings. The descriptions are as follows: 1. For the system, there is no need to provide additional vouchers to increase the operating costs, as long as the investment and bid opening, fixed and updated electronic meeting procedures Through the design of the trading method and the support of the system, it becomes the subject of sale and purchase, enhances the market acceptance of the joint platform, greatly improves the marketability of the joint platform, and can also collect part of the handling fee in the process of transfer delivery. Increase the operating income. 2. For participating members, according to the characteristics of the competitive group deposit and loan integration, you can get the reward when you don't need money, you can participate in the bidding and get the funds when you need funds. Join the design of the invention and want to quit when you want to withdraw. It can be sold by means of transfer. If you want to join in the middle, you can also transfer the bidding group by the transfer system. The trading method of the meeting will greatly improve the mobility of members and enhance the willingness to participate. It will also make members no longer limited by the restrictions of the group period, choose to join the appropriate bidding group according to their own needs, and the funds will be obtained by bidding in direct financial way. Closer to the actual needs of members, it also greatly increases the efficiency of funds. 3. For the industry of "Conference Platform", the way of the Mutual Aid Association is concentrated in the niche market of small regions and small groups, which is a part of underground finance. With the use of information technology and the improvement of trading methods, companies or financial companies have established platforms to operate and hope to become popularized as financial products. However, the reason is that they cannot break through the closed form of mutual aid associations. According to the design of the invention, the member is no longer limited by the restrictions during the group period, and the bidding group no longer occupies the willingness to participate in the membership period 21 1331313, the system provider can provide products of different periods for different ethnic group members, so that all the networks Users are happy to join members and join the bidding group's transactions to make the "Conference Platform" products into The new financial products, accepted by the public. 22 1331313 [Simple description of the diagram] The first picture: is the work flow chart of the application method of the “Meeting Platform” membership on the previous technology line. The second picture is a flow chart of the prior art members participating in the bidding group. The third picture is a flow chart of the opening of the previous technical bidding group. The fourth picture: the flow chart of the electronic meeting list update after bidding group payment. The fifth figure is a flowchart of the work of the bidding group members of the present invention. Figure 6 is a flow chart of the work of the bidding group member of the group. The seventh figure is a working flow chart of the bidding group of the present invention for the meeting price transaction means. Figure 8: A system diagram of a "conference platform" meeting system. [Main component symbol description] None 23