1331314 九、發明說明： 【發明所屬之技術領域】 本發明係一種線上「合會平台」電子會 及系統，主要是透過 達到本發明的目的。 助會式的競標群組， 得「合會平台」除透 金資產，可透過融資 」成立時所需製作的 路交易及個人化特性 表彰會員權利義務的 子會單，可透過融資 交易方法的設計，結合 本發明係由線上「合會 依據該競標群組所衍生 過競標取得資金之外， 系統，取付資金。並將 會單，透過本交易方法 ’將電子會單功能由資 才示的，競標群组會員的 系統，達成融資的目的 資訊科 平台」 而來。 所缴交 原來「 的設計 訊揭露 活會資 交易方法 技的運用 所成立互 本發明使 的活會會 合會平台 ，結合網 ，提昇為 產依此電 線上「合會平台」電子會單融資交易方法及系統，係系 統業者（如金融機構、融資公司、租賃公司、民間會首等） 成立不同期數之「合會平台」競標群組（12、13…、24、 25…等不同的群組）；會員依本身需求透過網際網路等方式 ，申請參加系統業者成立「合會平台」競標群組。「合會平 台」競標群組成立後，製作電子會單提供參與會員，並由會 員透過網際網路、有線通訊裝置、無線通訊裝置等設備參與 資金競仏活動’當會員參與合會平台競標群組，經未得標繳 政後，其活會資產可透過網際網路、有線通訊裝置、無線通 訊裝置等設備’向系統業者融資，滿足資金需求。 本發明一種線上「合會平台」電子會單融資交易方法， 1331314 係在每期開標後，透過系統業者更新電子會單資料（原互助 會方式會首在會單上記載得標金額與得標會員），透過交易 方法的設計’計算未得標者所參與競標群組的價值（含已缴 金額與應收利息）。活會會員登入電子會單融資系統進行融 資’滿足本身需求》 -種線上「合會平台」電子會單融資交易方法及系統所 屬技術領域’係透過融資交易方法的設計與系統的建置，兼 顧交易的方便性、資料傳輸的安全性、會員交易的隱匿性與 不可否認性，結合資訊科枯枯你从π m 行技技術的運用，由軟體及硬體設施 的建置與開發，完成系統建置。 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，使得跟會者在與系統網站連線後，可以由系 隨機產生對稱式加密金输，用以對該次連線的後續傳 輸貝料進行加密，藉以確料上傳輪f料的安全性。 線上「合會平台」電子會單融資交易方法與系統， 透過許多技術手段達成交易的方便性、資料傳輸的安全性' 隱匿性與不可否認性，電子會單融資交易系統包 二：1台」“系統前端網站、「合會平台」交易系統 :::統、合會平台」交易系統資料庫管理系統三個 主要系統，達成電子會單融資交易方法的實現。 本發明透過資訊科技的運用，解決活會會員雖 款貢產與每期競標權利’但未得標卻無法取得融資的問題: 使競標群組活會資錢過資訊科技_， ’提高線上「合會平台」活會會員資產流動性 與「合會平台」的意願。 捉开會員參 7 【先前技術】 合會（以下簡稱互助會） 蓄、融資的功能，可同時滿足投 U於互助會兼具儲 所以雖然現代投資理目4 τ β '才與尨用創造的需求。 只视财工具不斷推 立，但互助會仍深受大眾喜 新，金融機構到處林 然而普遍流傳民間的互助會’，，普遍存在於社會各個階層， 標，未得標仍需下一期再競栌仍須依約定時間、地點進行競 須於約定時間再競標，* 2 4會會員若有資金需求，仍 需資金。 工有活會互助會資產，卻無法取得所 網際網路科技的進步， Β\ α Γ i ^ Λ 良了傳統互助會的標會方式。 两美Α 1以透支額度控管式融資管理古、土 通過智慧財產局審核，取得 、」，於2002年 取侍發明案號第—六〇二& >棘直制 權。將傳統互助會電腦電腦 ' 且於2_年9月以網路二，合金融機構透支的觀念， 或各種通訊設備在網站上枵舍，u 「呂迷迓過電恥 上私會，打破以往互助會侷限於小區 域或小眾團體的束缚。哕Α _Ί雜值 料人銀行徵信方式，利用透 a工“風險’但仍無法消除大眾對於倒會的疑慮，尤其 是？是需要時間累積，經營網路儲蓄會提供會員履約保證 又公司淨值的限制。而且’奇美網路儲蓄會經營，仍益 /舌會資產融資的系統，影響會員參與的意願與規模。 ，東傑以編年2月12日以「網路安全標會方法與系統 」k出專利申請’並於2〇〇5年4月21日取得專利該方法 是利用一標會網站控管已向該標會網站註冊的複數會腳以執 1331314 行該方法，會腳輪入其 關密碼，進入標舍“ 者iD及其個人的會員通 之記載事項包括·在進订交易。每個會須製作會單，會單 子郵件網址、卜個會腳之姓名、住址、電話號瑪及電 會期日、標會=之種類和基本數額、起會日期、每一屆標 動路線約定、舍ώ標金額約定、開標時間約定、會款流 :限、會聊已逾期未支付 ：：：-之 標會不能繼續進行之處理方法。若，：：：或有其他事由致 詳盡列載，將以φ # 右該會早之記載事項若有未 該真刹、華民國民法債編合會所列之法條為主。 合系统-成：,中華民國民法債編合會所列之法條為藍本，結 法解決活會合員雖右^ 、系統」’因此該專利仍無 資金需需求:困:有活會缴款資產，但無法立即變現，滿足 目前’無：在民間、網路成立的互助會，仍沿襲過去交 二）或：取有會首與無會首的差別，由特定（ -定㈣ 群人’對應一定的期間（-般為-個）、 -般並遍ΓΓ織形成的競標團體’其資金運用並不靈活， ，月標的方式（例如喬美公司所經營網路儲蓄會） 確定m必須等到下個月再參與競標，得標充滿不 資；：rr用錢時’假如沒有得標，不僅無法滿足 資產，仍無法取得資金。 *仔活會會員雖有活會 ::明人基於多年的實務經驗與專業研究開發線上「 。會平口」電子會單融資交易方法及系統，解決「人… 」活會會員經每期繳款後，產生活會的權利：； 9 1331314 要，立即取得所需的資金，提高線上 市場性’使其成為新金融商品。 合會平台 流通性及 田工迎3 乐統業者（如金融機構、融資公 公司二間會首）提供線上「合會平台」競標組合商貨 必須考慮該商品本身的市場性與流動性， 眾的參與，使其成為投資理財的產品，在=進—步吸引大 〇〜座口口’在每個人的眘 中佔有-席之地》因此，本發明線上「合會平△ 融資交易方法及系統，主要目的 會單 又口〜机疋罟徒向合會苗 性及流動性，透過本發明讓「合會平台 野 」競彳*群组活會舍昌 ’不限在約定的競標_參與競標取得資金。活 =標=，開標繳交會金後，透過系統業者更新 早， 會早中包含競標群組存續期間、計算未得ρ :參與競標群組的價值（含已缴金額與應收利息）=: 未來應缴會金等，載明死會會貝應 4者 、及活會會員已繳金額、應收利息及投標= :::子會單，可登入融資系統進行融資，由系統業者（： 八》作琺資機構），提供資金滿足活會會員資金需求。3 主要:會平台」電子會單融資交易方法及系統， 會首;、融機構'融資公司、租賃公司、民間 電子會單及缴款的結果’更新電子會單資料，原 的存二Γ 每期投開標結果的紀錄、競標群組 、’ 4、母期會金等。而本發明將由管理伺服器計算參 10 ^ OD群、卫會員，因未得標繳款後產生的權利，記載於電子 9旱中，並成兔古上 員， 马直接融資的標的。讓參與競標群組的活會會 請融咨得標而有資金需求時，可由線上登入融資系統，申 而系統業者在對其融資活會競標群組進行設定後， 撥款給活會會員’滿足其資金需求。 發月是由線上「合會平台」競標群組衍生出電子會單 融資古、土 Θ 丁 系統’為達成本發明之目的，在本發明中， π對線上傳輸資料的安全性，本系統可以透過饥協定，使 …會者在與系統網站連線後，可以由系統網站隨機產生對 稱式加⑨金錄，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。 針對跟會者對於系統交易不可否認性之達成：本系統可 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，欲強化會員對交易不可 否遇性之確認’可以藉由會員在完成交易前必須藉由個人自 然人憑證中的私密錢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原「合會平台」競標群組建 構於-管理飼服II上，並透過網路飼服器於網際網路上運作 ，會員於取得資格後’㈣參加適合競標群組，並採取互助 會式競標H，由U縣各成貞幻請標，以取得得標資 金’該得標標金係由所有未得標會員及前期已得 : 該期會款。 貝叉付 -電子會單融資交易方法手段，係由線上「合會平台 競標群組交易衍生而來’由競標群組會員參與競標未：二 會員（活會會員），經競標群組交割結算機制，得標會員： 11 ⑴ 1314 :標後為死會會員）取得當期得標款項，未得標會員依規定 _交會金。系統業者（如金融機構、融資公司、租賃公司、 :間會首）管理伺服器於活會會員繳款後，立即更新電子會 β資料，結合本發明後競標群組會員取得電子會單，不再只 2彰投開標的結果’可根據電子會單計算持有競標組合資 仏值’於活會會Μ有臨時性資金需求時，進行線上融資交 由系統業者元成融資交易的程序，並完成電子會單權利 金額設定手續’並立即撥款’讓系統業者與活會會員雙方均 可因此而獲利。 、電子會單融資系統手段，係為協助電子會單融資交易 方法^實現’兼顧交易的方便性 '資料傳輸的安全性、交易 的隱匿性與不可否認性，所需要建置的系統功能。電子會單 融貧系統包括：一、讓會交易系統前端網站：此網站功能斜 2非會員的網路使用者部分，包括丨.提供網路使用者了解「 合會平台」競標群組特色；2.了解「合會平台」讓會系統架 構及收費標準等資訊；3·提供「合會平台」競標群組交易’中 ，常見的問題及答案；4.提供會員資格說明及加入方法等相 =訊息的網頁；5•提供線上加入會員的表格，讓網路使用者 能由線上直接填寫入會的申請作業。針對會員使用部份，包 括會員資料管理、密碼管理；2.提供加入讓會登錄競標： 作業，3·提供投標、利率之試算工具；4.提供會員帳務管理 及查詢卫I 5.資金組合操作說明；6.會員使用之客服網貢 及=線。二、讓會交易系統後端管理系統：後端管理系統功 能分為三個子系統’第-：會員交易管理系統，包括1.新會 員申請處理；2·會員基本資料管理；3.會員密碼資料管理： 12 1331314 4.會/交易記錄管理；5.會員融資資料管理。第二：競標群 且&理系 匕括1.競標群組資料設定；2 ·鞔標群組開標、 得標結果通知，3.競榡群組明細查詢；4.競標群組融資設定 ;5.清算與分配管理。第三：會計系統，包括：】.各項費用 的計算及帳務處理，- Α* Λ ’ 2·報表查詢及列印管理。三、競標群組1331314 IX. DESCRIPTION OF THE INVENTION: TECHNICAL FIELD OF THE INVENTION The present invention is an online "conference platform" electronic conference and system, mainly for achieving the object of the present invention. The sponsored bidding group can obtain the sub-list of members' rights and obligations through the financing transaction method, in addition to the gold-trading assets, through the financing of the road transactions and personal characteristics required to be created at the time of establishment. The design, in combination with the present invention, is based on the online "commitment based on the bidding group derived from the bidding to obtain funds, the system, the payment of funds. And will be single, through the transaction method 'the electronic billing function is shown by the capital The system of bidding group members and the information technology platform for the purpose of financing. The application of the original "Design News Exposure Exposure Trading Method" was established by the use of the invention system, which was combined with the network to enhance the "Consolidation Platform" electronic meeting financing transaction on the wire. Method and system, system system operators (such as financial institutions, financing companies, leasing companies, civil society leaders, etc.) set up different groups of "conference platform" bidding groups (12, 13..., 24, 25...etc. Group); members apply for participation in the system industry to establish a "conference platform" bidding group through the Internet, etc. After the establishment of the "Conference Platform" bidding group, the production of the electronic meeting form will be provided to the participating members, and the members will participate in the fund-sponsoring activities through the Internet, wired communication devices, wireless communication devices, etc. After the group has not been awarded the government, its living assets can be financed by system operators through the Internet, wired communication devices, wireless communication devices and other equipment to meet the funding needs. The invention relates to an online "conference platform" electronic bill financing transaction method, 1331314. After each period of bid opening, the system provider updates the electronic billing information (the original mutual aid society will first record the winning amount and the winning member on the meeting list). ), through the design of the trading method 'calculate the value of the bidding group (including the paid amount and interest receivable) that the unsuccessful bidder participated in. The members will log in to the e-finance financing system to finance 'satisfy their own needs'. - The online "Conference Platform" electronic bills financing method and the technical field of the system are based on the design and system of financing transactions. Convenience of transactions, security of data transmission, occultity and non-repudiation of member transactions, combined with the information department to dry up your use of π m technology, the establishment and development of software and hardware facilities, complete the system Built. In the present invention, for the security of online transmission of data, the system can use the SSL protocol, so that after the participant connects with the system website, the symmetrical encryption gold can be randomly generated for the connection. The subsequent transmission of the bedding material is encrypted to confirm the security of the uploading material. Online "Conference Platform" electronic bills financing method and system, through a number of technical means to achieve transaction convenience, data transmission security 'hidden and non-repudiation, electronic billing financing system package two: one" "System front-end website, "conference platform" trading system::: unified, joint platform" trading system database management system three main systems, to achieve the realization of electronic billing financing methods. Through the use of information technology, the present invention solves the problem that the members of the living club and the bidding rights of each event are not awarded but cannot obtain financing: the bidding group will spend money on information technology _, 'improve the online line' The "Conference Platform" will be a member of the liquidity of member assets and the willingness of the "Party Platform". Catch up the members' participation 7 [Previous technology] The function of the meeting (hereinafter referred to as the mutual aid society) can be used to meet the needs of both the U.S. and the mutual aid associations. Only financial instruments are constantly being promoted, but the mutual aid society is still deeply popular with the public. Financial institutions are everywhere in the community. However, they are widely circulated among the various sectors of society, and they still need to compete in the next period. It is still necessary to bid at the agreed time and place to re-bid at the agreed time. * 2 4 Members will still need funds if they have funding needs. Workers have the assets of the Society, but they are unable to achieve the advancement of the Internet technology. Β\α Γ i ^ 良 The traditional mutual aid association standard. Two US Α 1 to manage the ancient and soil with overdraft control financing, through the Intellectual Property Bureau audit, obtained, ", in 2002, the invention case number - 6.2 &&> The traditional mutual aid computer computer will be used in the second quarter of September, with the concept of overdraft of financial institutions and financial institutions, or a variety of communication equipment on the website, u "Lv fans have passed the electric shame private meeting, breaking the previous mutual aid society Confined to the constraints of small areas or niche groups. 哕Α _ Ί 料 料 料 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行 银行It takes time to accumulate, and operating online savings will provide members with a performance guarantee and a net worth of the company. Moreover, the system of Chi Mei Internet Savings Management, which still benefits the financial assets of the club, affects the willingness and scale of membership participation. Dongjie made a patent application on February 12th with the "Internet Security Standard Method and System" and obtained the patent on April 21, 2005. The method is to use a website to control the website. The registration of the registration club website will be carried out at 1331814. The student will enter the password and enter the label. The iD and its individual members will include the transaction in the order. Each meeting must be Production of the order, the list of the mail address, the name of the foot, the address, the telephone number and the date of the telegram, the type of the standard and the basic amount, the date of the meeting, the stipulation of each spur line, the standard Amount agreement, opening time agreement, payment flow: limit, meeting will be overdue: ::- The standard will not continue to process. If::: or other reasons are listed in detail, will be φ #右会会 The items recorded in the early days are mainly those that are not listed in the Chinese National Civil and Legal Bonds Association. The system-cheng: The law of the Chinese National Civil and Debt Covenant Association is based on the law , the settlement method solves the live meeting, although the right ^, system" 'so the patent is still no Needs for funds: Difficulties: There are living assets that can be paid, but they cannot be realized immediately. They can meet the current 'no: mutual aid associations established in the private sector and the Internet, and still follow the past two) or: the difference between the first and the no meeting By the specific (- (four) group of people' corresponding to a certain period of time (-----), and the formation of the bidding group's use of funds is not flexible, the way of the monthly standard (such as Qiaomei company Operating the Internet Savings Association) Make sure that m must wait until next month to participate in the bidding again. The winning bid is full of no money; when rr uses the money, 'If you don’t win the bid, you can’t meet the assets, and you still can’t get the funds. There are live events:: Ming people based on years of practical experience and professional research and development online ". Pingkou" electronic bills financing transaction methods and systems, to solve the "people..." members of the event after each payment, the event will be alive Rights:; 13 1331314 Yes, immediately obtain the required funds and improve online marketability' to make it a new financial commodity. The networking platform of the joint platform and the Tiangong welcoming industry (such as financial institutions, financing companies) first Providing an online "conference platform" bidding combination of goods must consider the marketability and liquidity of the product itself, and the participation of the public, making it a product of investment and wealth management, attracting the big 〇 座 座 座 座 在 在As a result of the invention, the main purpose of the online "Huihui Ping △ financing transaction method and system" will be to singularly and arbitrarily "Conference platform wild" competition * group live event Shechang 'is not limited to the agreed bidding _ participation in the bidding to obtain funds. Live = standard =, after the opening of the bid payment, through the system industry update early, will include early During the duration of the bidding group, the calculation does not have ρ: the value of participating in the bidding group (including the amount paid and the interest receivable) =: the future dues, etc., including the death meeting will be 4, and the members of the event The amount paid, the interest receivable and the bid =:: sub-list, can be logged into the financing system for financing, and the system operator (: VIII) is the fund-raising organization to provide funds to meet the needs of the members of the event. 3 Main: Meeting Platform" Electronic Bill of Lading Financing Trading Method and System, Head of the meeting;, financing agency 'financing company, leasing company, private electronic bill of lading and payment results' updated electronic meeting materials, original deposits The record of the opening of the bidding results, the bidding group, '4, the mother's period gold, etc. However, the present invention will be calculated by the management server to participate in the DM group and the Guardian member, and the rights arising from the unpaid payment are recorded in the electronic 9 drought, and become the subject of direct financing of the rabbit. If the participation in the bidding group will be requested by the company, the online financing system will be available, and the system operators will set up the bidding group for their financing activities, and then allocate funds to the members of the event. Its funding needs. The launching month is derived from the online "conference platform" bidding group to derive the electronic bill of lading financing and the old-fashioned system. In order to achieve the purpose of the present invention, in the present invention, the safety of transmitting data on the π-pair line, the system can Through the hunger agreement, after the participants connect with the system website, they can randomly generate a symmetric plus 9 gold record from the system website to encrypt the subsequent transmission data of the connection to ensure the security of the data transmitted online. Sex. For the non-repudiation of the system transaction for the participants: the system can achieve this demand by combining the personal privacy key in the current natural person certificate with the digital signature technology. In other words, the desire to strengthen the member's confirmation of the transaction's non-existence can be achieved by the member having to complete the digital signature of the transaction by the private money in the personal natural person's voucher before completing the transaction. In the main technical means of the present invention, the original "conference platform" bidding group is constructed on the management feeding service II, and operates on the Internet through the network feeding device. After the member is qualified, (4) participate in the suitable bidding group. And adopt the mutual aid type bidding H, and the U County will become the target of the winning bids to obtain the winning funds. The winning standard is obtained by all the unqualified members and the previous period: the period of the meeting. The Bayer Pay-Electronics Single Financing Trading Method is derived from the online "Conference Platform Bidding Group Transaction". The bidding group members participate in the bidding. The two members (living members) are settled by the bidding group. Mechanism, winning members: 11 (1) 1314: After the standard is a member of the death club) to obtain the current amount of the bid, the unqualified member according to the regulations _ remittance. System operators (such as financial institutions, financing companies, leasing companies, : inter-session First) After the management server pays the membership fee, it immediately updates the electronic conference β data. After combining the invention, the bidding group member obtains the electronic conference bill, and no longer only 2 shows the result of the open bidding. There is a bidding combination 仏 ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' Both the members and the members of the event can benefit from this. The electronic meeting and financing system means to assist the electronic bill of lading financing method ^ to achieve the 'convenience of transaction convenience' information The security of the loss, the concealment and non-repudiation of the transaction, the system functions that need to be built. The electronic system will include: First, the trading system front-end website: This website features a non-member network use Partially, including 丨. Provide online users to understand the characteristics of the "Committee Platform" bidding group; 2. Understand the information of the "Conference Platform" system structure and charging standards; 3. Provide "Conference Platform" bidding group Group transactions, common questions and answers; 4. Provide a description of the membership and the method of joining the phase = message page; 5 • Provide online membership form, so that online users can fill in the application directly from the online operation. For the use of members, including member data management, password management; 2. Provide access to the competition registration bid: homework, 3. provide bidding, interest rate trial tools; 4. provide member account management and query Wei I 5. Portfolio Operation instructions; 6. Customer service network tribute and = line used by members. Second, the trading system back-end management system: back-end management system functions are divided into three subsystems '--: member transaction management system, including 1. new member application processing; 2, member basic data management; 3. member password information Management: 12 1331314 4. Meeting/transaction record management; 5. Member financing data management. Second: bidding group and & Department of data including 1. bidding group data setting; 2 · bidding group opening bid, winning result notification, 3. competitive group detailed inquiry; 4. bidding group financing setting; 5 . Liquidation and distribution management. Third: the accounting system, including:]. Calculation of various expenses and accounting processing, - Α * Λ ‘ 2. Report inquiry and print management. Third, the bidding group
交易系統資料庫管理系統，线功能包括L 置；2.競標群組交易之資料庫建置；3.交割結算資料= 〇 綜上所述，一錄給，「 法及系統，為前所合會平台」電子會單融資交易方 的電子會單，透過交易本發明將原來做為資料紀錄 彰活會會員擁計與系統運用，轉變成為表 標的。透過系統進行融資交易，纟為d資的 或額外提供任何憑證，電 融、'者4增加任何手續 ;交“_，藉著網路:::::空交 :所:有活會資產的流動性問題，提高:::二解::會 生，讓線上「合會平台」競 會千。」的市場 佔有-席之地，更成為金融c投資理財的產品中 帀％不可或缺的產品。 13 1331314 【實施方式】 合會平台」 對線上 如下： 競標群組相 關名詞及交易方法說明 有會首或無會首：系統業者（如 租賃公司、民間會首）成立線上 、融資公司、 或無會首方式，其投開標通知 2。」’可採有會首 「人In 言早製作、收款、付款，由 «會平口」系統完成，並由系統業者 ， 台競標群組可採有會首或無會首方式、。、貝 明〇會平 競標群組：由系統業者於線上^@Trading system database management system, line function includes L setting; 2. Database construction of bidding group transaction; 3. Delivery settlement data = summary, one recorded, "law and system, for the former The electronic platform of the electronic platform billing transaction party will be transformed into the standard by the transaction and the use of the system. Through the system for financing transactions, 纟 资 的 or additional vouchers, 电, '4 increase any formalities; 交, _, through the network ::::: empty::: live assets Mobility issues, improve::: Two solutions:: Will be born, let the online "conference platform" compete for thousands. The market has a place to occupy, and it has become an indispensable product of financial c investment and wealth management products. 13 1331314 [Embodiment] The platform for the meeting is as follows: The relevant nouns and trading methods of the bidding group have the first meeting or no meeting: the system operator (such as the leasing company, the civil society leader) set up the online, financing company, or no In the first way, it will vote for the opening notice 2. "" can be adopted as the head of the "People In, early production, collection, payment, by the "will be flat" system, and by the system industry, the Taiwan bidding group can have a meeting or no meeting. , Bei Mingyi will be flat bidding group: by the system industry on the line ^@
N=12 ' 13 > 14 24 9 4η、扯加 力双 期 I ……）競標團體，因其線上交易方式 與民間互助會有所差異’稱為競標群组。 =平線上競標群虹雖與民間互助會有所差異，但 競…、固定會期、計算方式與互助會一樣，完成線上競 標群組競標平台或傳統互助會網路化的平台，稱為「合會平 台」。 會員：網路使用者必須事先取得會M資格，才能參與競 標群組。 投標：競標群組參與會員，群組中每一份會（有的人同 群，且可跟兩會或以上）’每次競標可投標一次，並可得標 一次’得標後不得再競標。 電子會單：參加會員符合成立條件時，系統會產生競標 群組，並產生電子會單。會單上提供競標群組名稱、開標曰 、競標群組、第一標日期、最後一標曰期、會金（丨萬或2 萬…）、底標（可有可無）' 投標單位（1〇元、5〇元或100 14 1331314 70，可訂或可不訂）、活會人數、死會人數、各期得標標金 、會員狀況（死會或活會）、參與會員暱稱（由會員自訂） 等。 死會與死會會員：參與競標群組的會員，已得標後的競 標群組’稱死會；已得標會員則稱為死會會員。 活會與活會會員：參與競標群組的會員，未得標的競標 群矣且 、’稱活會；未得標會員則稱為活會會員。 内襟或外標：「合會平台」競標群組可採内標或外標， 、、才 . 時決定。本發明競標群組競標方式，並不侷限於内標或 夕卜考巷 不的方式。若約定會金為F (例如約定會金為1萬元），得 標標金主./ 馬I (假設為1,000元）’採内標方式時活會會員須 缴款〔ρ · 、卜'丨；繳款9,000元），死會會員須繳款F(1萬元） ’右採外標方式’活會會員固定繳款F(1萬元），a死會 會真1¾] ^ & 义缴款丄-F + Ai) ，Ai指A會員第i期得標的標金（ 如虽初得標金1,〇〇〇則固定繳11|00〇元）。 ^ 存借一體：互助會的交易特性，參與的會員除了第一期 得標2為單純借款者，最後一期得標者為儲蓄者之外，每期 競標刖’會員的角色既是存款者也是借款者，會員未得標前 兼具存款者與借款者雙重角色，稱之為存借一體。 本發明係建構於線上「合會平台，絲押教4 0 0百丁 =»」兢標群組的交易上， 透過一管理伺服器於線上「合會平a 絲神被， 1十^」競標群組成立開始交 易後，並透過網路伺服器於網際網 s 崎上運作，新增電子會單 融^ 乂易方法與系統手段。電子會單點咨^ b μ貧早融資父易手段主要由線 上合會平台」產生線上競標交易群 . w姐何生而來，線上互助 會式競標交易群組，在競標群組成緣助 '便，開始於約定時間以 15 1331314 競梯方式決定每一期的得標會員，並藉資金清算系統，收取 其他會員的資金交予得標者，未得標者賺取應收利息。繳款 後由系統業者更新會單資料，活會會員有臨時性資金需求時 ，町進行電子會單融資交易。 線上合會平台」競標群組競標手段及電子會單融資交 易方法/、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 員申請手段之工作流程圖；網路使用者登錄申請會員（1 ) ，平台提供者接受網路使用者提出入會申請；資料符合者， 進行徵彳。調查（1 〇 2);資格不符、信用不佳者，拒絕加入會 員，不梵理通知（1 〇3);通過徵信調查者，系統對申請者作 風險分級（104);核准成為會員（1〇5);並進行會員契約簽 定（106);核發會員帳號與密碼（1〇7)。 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’可透過會員帳號與密碼登入「合會平台 」系統（20 1 )，點選想參加競標群組（202)，參加人數到達 系統設定人數（203 )’成立競標群組（204)，系統製作電子 會早（205) ’公告於該競ί示群組中，並用e_mai丨通知會員 ，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 16 1331314 (3 04)，例如未繳款或信用不良等，如是則為無效標金（3〇5) ’否則為有效標金（306)，接著電腦啟動開標（3〇7)，從有 效標金產生最高標的得標者（308 )’並結束當期投開標作 開完標，會員缴款截止後，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及通知（ 405 )，更新會員得標狀況（ 406) ’競標群組剩餘期數（ 407 )，每期得標的標金（408 )0 電子會單更新後，活會會員可進行競標群組融資交易， 第五圖·係本發明線上「合會平台」競標群組活會會員融資 手段之工作流程圖；活會會員有臨時資金需求時，可登入融 資系統（501) ’點選欲融資之競標群組（5〇2)，輸入融資 金額（503) ’系統檢核融資金額是否超過可融資金額，若 超過必須重新輸入（504 )，否則輸入約定轉帳帳號（5〇5) ，糸統檢核轉帳帳號是否正確，若不正痛必須重新輸入( 5〇6 )，系統檢核通過後，管理系統對融資競標群組作設定 (507) ’完成後撥款（508) ’將交易資料傳輸到資料庫儲 存（509)。 第六圖：係架構本發明融資設定群組得標後之工作流程 。活會會員融資設定競標群組得標時（601)，交割專戶收 到已得標及未得標會員繳交的會金（602 )，償還得標者融 資本金及利息（603 )，剩餘得標款轉入得標者帳戶（6〇4 ) 17 1331314 ’競標群組融資設定解除（則，資料傳輪到資料庫儲存 (606 ) ° 第七圖：係一種線上「合會平台」電子會單融資系统 系統圖。本發明係一種線上「合會平台」電子會i 欠 百早wi貧系統 (703 )。該系統有一管理伺服器（704 )，此管理飼服器透 過網際網路、有線通訊裝置、無線通訊裝置、丨區域網：等 方式與系統業者（709 )連結，該相關機構（業統業者）， 原為合會平台之經營者’其審核通過之客戶即可成為線上合 會平台會員（701)以參與「合會平台」競標群組。會員以 電腦、電話、PDA等裝置透過網路或通訊系統（7〇2)與管 理伺服器連結。該管理伺服器包含三種資料庫：會員資料庫 (7〇5 )用以儲存經由該管理伺服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= 限制；競標群組資料庫（7〇6)用以儲存由該管理伺服器^ 立之各種競標群組之資料，包括競標群組設定資料'會員投 ::管理祠服器開標、活會會員競標群組融資資料等；交： :算資料庫（707 )用於儲存該管理伺服器進行該競標群組 、，算與交割後之資料、儲存融資競標群組融資與償還資料， 將會員開私後及會員的實際繳款狀況等回傳至此資料庫，管 理伺服器整合將妹杲在λ & 、·。果存入此資料庫；系統業者（709 )例如 金融機構、租賃公司、 ^ . &資么司、民間會首..等，透過後端 管理系統（708 )，逸耔合3 進仃會員的交易管理、競標群組融資管 理、帳務管理等，將 g* ^ .、 守會員^用狀況、競標群組融資狀況作即 I麻並將貝料傳輸到管理伺服器中相關資料庫儲存。 本發明係建構於線上「合會平台」競標群組的交易上， 18 ⑶丄314 ’路使用者在取得會員資格後’可選擇參加競標群組 —圖到第三圖之具體卫作流程，所描述的為線上合 : :會員招募、競標群組的成立及投開標方式，第四 ： 則為介紹本發明「合會平台」電子會單融資交易方法之： 。’第七圖為-種「合會平台」電子會單融資系統之系統: 本發明「合會平台」電子會單融資交易方法 =來的電子會單，透過交易方法的設計與系統的支援、，成= 與會，會員融資的標的’本發明的設計，對系統業者、參 、的會貝、u及金融產業都有正面積極的意義，敛述如下. 1.對於系統業者而言’不需要再額外提供其他憑證，掸 加作業成本’只要把投、開標後，固定更新的電子會單心 古透過交易方法的設計及系統的支援，而成為融資標的提 =會會貝於競標群組中活會資產的變現性，大幅提高合會 二=場性，而且在融資的過程中，不僅風險並無増加， 還增加利息收入。 2·對於活會融f會員而言’依競標群組存借-體的特性 =需要錢時可以獲取報酬，需要資金時可參與競標，取得 貝金、。=人本發明的設計’當未得標且有臨時性資金需求時 °進仃競標群組的活會資產融資，大幅提高競標群組產 ^動性:提升參與意願，使會M不再受限於群組開標時間 的限制，當有資金愛炎拉 ^. 而求時可以直接金融方式由競標得，或 過電子會早融資交易取得資金，更貼近會員的實際需求: 隹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 19 1331314 ―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 究其原因，在於無法突破互助會依約定時間競標取得 二^不確定性，透過本發明設計，會員不再受限於競標取 ^ ^標群組的資產隨時可取得融f，可使所有網 用者樂於加人會員，加人 易的方便性，其、户動性·… 易九其透過網珞交 會平台…機構的定期存款，使「合 。。成為全新金融產品，為大眾所接受。 20 1331314 【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。 够一 ® 弟二圖 係先前技術競標群組開標之流程圖。 第四圖 係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融資手段之工作流 程圖。 第六圖 :係架構本發明融資設定群組得標後之工作流程 圖。 第七圖：係一種「合會平台」電子會單融資系統之系統 圖。 【主要元件符號說明】 無 21N=12 ' 13 > 14 24 9 4η, 拔力力期 I ......) The bidding group, because of its online trading method and the folk mutual aid association, is called the bidding group. = Although the online bidding group rainbow is different from the folk mutual aid association, the competition, the fixed session, and the calculation method are the same as the mutual aid association. The online bidding group bidding platform or the traditional mutual aid association networked platform is called the “conference platform”. "." Membership: Internet users must be qualified in advance to participate in the bidding group. Bidding: The bidding group participates in the membership. Each meeting in the group (some people are in the same group, and can be followed by two sessions or more), each bid can be bid, and the bid can be won once. Electronic Bill of Lading: When a member meets the conditions for membership, the system will generate a bidding group and generate an electronic bill. The name of the bidding group, the opening bid, the bidding group, the first bid date, the last label period, the gold (100,000 or 20,000...), and the bottom bid (may be optional) are provided on the order. 1 、 yuan, 5 〇 yuan or 100 14 1331314 70, may or may not be booked), the number of participants, the number of deaths, the standard of each period, the membership status (death or live), participation in member nickname (by Member customization) and so on. Dead and dead members: Members who participate in the bidding group have already won the bidding group, and the winning members are called dead members. Members of the event and the members of the event: members who participate in the bidding group, those who do not win the bid, and who are called “living clubs”; those who do not win the bids are called members of the club. Guilty or external bid: The "Conference Platform" bidding group can be determined by internal or external bidding. The bidding method of the bidding group of the present invention is not limited to the way of the internal standard or the eve of the test. If the agreed meeting amount is F (for example, the agreed meeting amount is 10,000 yuan), the standard gold medal is awarded. / Ma I (assumed to be 1,000 yuan) 'The members of the living club are required to pay the internal standard method [ρ · , 卜 '丨; payment of 9,000 yuan), members of the death club must pay F (10,000 yuan) 'right mining external standard method' live membership fixed contribution F (10,000 yuan), a death will be true 13⁄4] ^ &缴 丄 F -F + Ai), Ai refers to the A-mark of the A member of the A-phase (if the initial bid is 1, the fixed-payment is 11|00 )). ^ Loan and Loan: The transaction characteristics of the Mutual Aid Association. In addition to the first phase of the winning bid 2 as a simple borrower, the final winner of the bid is the saver. The role of each member is both a depositor and a borrower. The member has not had the dual role of depositor and borrower before the standard, which is called deposit and loan integration. The invention is constructed on the online "conference platform, silk teaching 4 0 0 hundred Ding =»" mark group transaction, through a management server on the line "joint peace a silk god, 1 ten ^" After the bidding group is established and started trading, it will operate on the Internet through the web server, and add electronic methods to simplify the method and system. The electronic meeting will be a single point consultation ^ b μ poor early financing father easy means mainly by online syndication platform to generate online bidding trading group. w sister He Sheng came, online mutual aid type bidding trading group, in the bidding group composition help Then, starting at the appointed time to determine the winning members of each period by 15 1331314, and borrowing the fund clearing system, the funds of other members will be paid to the winners, and the unsuccessful winners will earn interest receivable. After the payment, the system operator updates the information of the meeting, and when the members have temporary funding needs, the town will conduct an electronic meeting financing transaction. The online syndication platform "bidding group bidding means and electronic billing financing method / system 'the workflow includes the following steps' is illustrated as follows: Member application means, the first picture is the previous technical online "conference platform" The workflow chart of the member application means; the online user login application member (1), the platform provider accepts the online user to apply for membership; the data is consistent with the levy. Investigation (1 〇 2); those who do not qualify or have poor credit, refuse to join the membership, do not notify the public (1 〇 3); through the credit investigation, the system stratifies the risk of the applicant (104); 1〇5); and sign the member contract (106); issue the member account and password (1〇7). After obtaining the 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 "Meeting Platform" to participate in the bidding group. When the member is qualified, he can log in through the member account and password. "Meeting platform" system (20 1 ), click to participate in the bidding group (202), the number of participants reaches the system setting number (203) 'establishment bidding group (204), system production electronic association early (205) 'announced in the In the competition group, the member is notified by e_mai丨, and the bidding group bidding activity is started (206). After the member's bidding is completed, 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 online; the member participates in the bidding (301), and the computer performs the pre-opening review after the bidding (302) ), then judge whether the bidding time has passed (303), and whether it violates the relevant regulations 16 1331314 (3 04), such as unpaid or bad credit, etc., if it is invalid (3〇5) 'otherwise valid The standard gold (306), then the computer starts the opening bid (3〇7), the highest bid winner (308) is generated from the valid bid, and the final bid is opened. After the member's payment deadline, the electronic bill will be closed. Update, the fourth picture is a flow chart of the renewal of the electronic meeting list after the bidding group's payment; the unsubscribed member pays the live meeting (401) and the winning member pays the dead meeting (402) in the delivery The household (403)' will deliver the bid to the winning member (404) by the delivery account, and the system will update and notify the meeting at the same time (405), update the member's winning status (406) 'the remaining number of the bidding group ( 407), the winning standard (408)0 electrons in each period After the order is updated, the members of the event can conduct bidding group financing transactions. The fifth picture is the working flow chart of the online “conference platform” bidding group member financing means of the invention; when the members have temporary capital needs , can log in to the financing system (501) 'Click on the bidding group to be financed (5〇2), enter the financing amount (503) 'The system check financing amount exceeds the financing amount, if it exceeds the need to re-enter (504), Otherwise, enter the agreed transfer account number (5〇5), and check whether the transfer account is correct. If it is not correct, you must re-enter (5〇6). After the system check, the management system sets the financing bid group (507). 'After Completion Grant (508) 'Transfer transaction data to database storage (509). The sixth figure is the workflow of the financing setting group of the present invention. When the membership fund is set to win the bidding group (601), the delivery account receives the payment (602) that has been won and has not been awarded by the member, and repays the winner's financing principal and interest (603). The remaining bids are transferred to the successful bidder account (6〇4) 17 1331314 'The bidding group financing setting is lifted (then, the data is transferred to the database storage (606) ° Figure 7: An online "conference platform" An electronic online meeting financing system system diagram. The present invention is an online "conference platform" electronic conference i owes a hundred early poor system (703). The system has a management server (704), which manages the feeder through the Internet. , wired communication devices, wireless communication devices, regional network: and other methods are connected with the system operator (709), the relevant organization (industry), formerly the operator of the joint platform, the customer who passed the review can become online The members of the symposium platform (701) participate in the "Conference Platform" bidding group. Members connect to the management server through a network or communication system (7〇2) by means of computers, telephones, PDAs, etc. The management server includes three types of management servers. Database: Member Information The library (7〇5) is used to store the member-related information obtained by exchanging messages with the system provider via the management server, and the platform uses the credit information as the member's competition=limit; the bid group database (7〇6) ) for storing the information of various bidding groups established by the management server, including the bidding group setting data 'member vote:: management server open bid, live member bidding group financing information, etc.; The database (707) is used for storing the management server to perform the bidding group, the data after the settlement and delivery, the financing financing bid group financing and repayment information, and the member's actual payment status after the member opens the private party. Passed to this database, the management server integration will store the sisters in λ &, ·. In this database; system operators (709) such as financial institutions, leasing companies, ^ &;; Etc., through the back-end management system (708), Yiyihe 3 members' transaction management, bidding group financing management, account management, etc., will be g* ^., keep members' status, bidding group financing The condition is that I hemp and the bait material is transmitted. The related database storage in the management server. The invention is constructed on the online "conference platform" bidding group transaction, 18 (3) 丄 314 'road users can choose to participate in the bidding group after obtaining the membership - map to The specific maintenance process of the third figure describes the online integration: membership recruitment, bidding group establishment and investment bidding method, and fourth: introducing the "consolidation platform" electronic billing financing method of the present invention. : 'The seventh picture is the system of the "Conference Platform" electronic billing financing system: The "Conference Platform" electronic bill of exchange financing method of the invention = the electronic bill of the order, through the design and system of the trading method Support, participation = participation, the subject of member financing 'The design of the invention has positive positive significance for system operators, participants, Huibei, u and the financial industry, as follows. 1. For system operators' There is no need to provide additional vouchers and increase the cost of operations. As long as the investment and bid opening, the fixed and updated electronic singularity will be supported by the design of the trading method and the support of the system. = will be the realism of the live assets in the bidding group, greatly improve the union 2 = field, and in the process of financing, not only the risk does not increase, but also increase interest income. 2. For the members of the living club, the characteristics of the bidding group are based on the characteristics of the bidding group. If you need money, you can get the reward. If you need funds, you can participate in the bidding and get Beckin. = People's design of the invention 'When the standard is not obtained and there is temporary funding demand, the investment assets financing of the bidding group will greatly improve the bidding group's production and mobility: increase the willingness to participate, so that the meeting M will no longer be subject to Limited to the time limit for group opening time, when there is funds Ai Yanla ^. And the time can be directly financially bidding, or through the electronic early financing transaction to obtain funds, closer to the actual needs of members: 隹 3. For " In terms of industry, the way of the civic mutual aid society is concentrated in the niche market of small areas and small groups, which is a part of underground finance, with 19 1331314 - the use of information technology and the improvement of trading methods by company or finance. The establishment of the platform to operate the industry 'I hope to popularize and become a financial product, but still have the reason, it is impossible to break through the mutual assistance will obtain the uncertainty of the bidding according to the agreed time. Through the design of the invention, the members are no longer restricted by bidding. ^ ^The assets of the standard group can be obtained at any time, so that all network users are willing to add members, and the convenience of adding people is easy, and it is easy to use. Platform... The company's time deposits make it a new financial product that is accepted by the public. 20 1331314 [Simplified Schematic] The first picture is a flow chart of the application method of the “Meeting Platform” membership of the previous technology online. The second figure is a flow chart of the prior art members participating in the bidding group. The one-one-two-figure chart is a flow chart for the opening of the previous technical bidding group. The fourth picture is a flow chart of the electronic order renewal after the bidding group has paid. The fifth figure is a workflow diagram of the bidding group live meeting financing means of the present invention. The sixth figure is a workflow diagram of the financing setting group of the present invention. Figure 7: A system diagram of a "conference platform" electronic billing financing system. [Main component symbol description] None 21