TWI362626B - Matching type network financing method in the separate division - Google Patents

Description

1362626 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to an internet financing transaction method, and more particularly to a method for partitioning a network financing transaction. [Prior Art] Due to the demand for cash flow, or the desire for investment compensation, people often use various investment channels or institutions to obtain the required funds or obtain the desired reward. The current pipeline of investment is numerous, such as stocks, funds, foreign exchange, real estate and civil society, and so on. Traditionally, banks have provided channels for the custody and investment of individuals and businesses. Through bank services, deposits can achieve low deposit rates, while borrowings are subject to higher loan interest rates. Therefore, although the funds are stored in the bank-likely profitable, but often due to factors such as currency inflation, the return on investment is reduced, even in the case of negative interest rates. Online banking is a new type of banking service that has emerged based on information technology and the Internet. This service is characterized by immediate online completion. It has had a huge impact on traditional commercial banking, and the way it deals with customers has changed from past cash, checks, money orders, etc. to electronic data exchange. Nowadays, direct online lending via the Internet can eliminate the consumption lending platform of financial institutions through I, so that both lenders and borrowers can obtain more favorable trading conditions to obtain greater benefits. However, there is still considerable risk in such a lending system. Since everyone has different repayment ability, so that there is considerable risk in lending on the Internet, a large amount of funds are often left behind. Therefore, how to effectively utilize the fast and convenient features of the network and provide appropriate interest rates and reasonable remuneration for both borrowers and lenders has become a problem to be overcome by financing transactions through the Internet.

SUMMARY OF THE INVENTION In view of the foregoing prior art, since the traditional bank provides a platform for consumer lending, it also charges a high service fee, thereby increasing the interest paid by the borrower and reducing the investment. The rate of return on investment obtained. One of the objects of the present invention is to provide a method for partitioning a network financing transaction to provide a reasonable return on investment for investors in a partitioned management manner and to diversify investment risks.

Another object of the present invention is to provide a partition-based network financing father-friendly method 'when the borrower cannot repay the loan', the management unit sets the proportion of the secured creditor according to different markets to reduce the loss of the investor. According to the above, the present invention relates to a method for partitioning a network financing transaction comprising the following steps: applying for membership, confirming identity, debit setting loan amount, and determining the loan market according to the credit status of the borrowers. The investment conditions and the bidding conditions, the matching and the appropriation to the borrower's bidding conditions include an investment amount and an interest rate. This zoning-incorporated network financing transaction method further includes the basis of the scheduled gold 6 1362626

The amount 'divides the investment amount set by each investor into a plurality of equal shares to lend to different borrowers separately' to spread the risk. The above-mentioned application for membership is also included in the website of the user to log in to a management unit, enter the user's name and email address and set the password, sign the conditional consent form online, and reply to the management unit by email. Send a certification email to become a regular member. The above-mentioned confirmation identity further includes inputting the customer's personal credit information 'for example, ID number, bank account, oyster' work, address and income. In addition, the above-mentioned confirmation identity may include downloading the capital law consent form, mailing it to the management unit after signing, and accessing the customer's credit report to compare the identity data. This sub-network financing transaction method uses the highest interest rate for each loan market, so that the borrower can obtain the appropriate loan interest rate according to the individual (four) situation, and the investor can decide according to the risk that he can bear.

The method of splitting the network financing transaction further includes each investor remitting the investment amount to a designated trust account or account, and depositing the bid amount in the designated trust account or account of each investor. The successful bidder signs a contract with the debitee and deducts the loan. Further, the above-mentioned matching procedure includes determining the order in which the borrower completes the set loan amount, and performing the matching with the investor in this order, and determining the investor with the lowest profit and the investor with the lowest interest rate. When the interest rate is the most = there are more than two investors, the lowest interest rate and the earlier bidders. After completing the combination of the borrower and the investor who completed the loan amount first, proceed to the next combination of the borrower and the investor to complete the loan amount. However, if the amount of the investment of the investor cannot satisfy the amount of the borrower's capital of 7 1362626, the next combination of the borrower and the investor will be carried out in sequence. This segmented network financing transaction method also includes setting up each loan market; "predetermined guarantee ratio, and when the borrower is unable to repay, the management unit assists in debt reminder payment and recovery. Therefore, the partitioned network financing transaction method of the present invention utilizes the network for efficient financing and provides an appropriate return on investment for the investor. In addition, because of the mutual competition of investors, it is possible to provide a lower lending rate. At the same time, due to the diversified investment amount, JL's appropriate part of the credit card's deferred claims can reduce the loss of the investor, so that the investor does not have to worry about the debt is completely unprotected, thereby increasing the willingness to invest and reducing the interest paid by the borrower. This makes the network financing transaction more active and secure. [Embodiment] The partitioned network financing transaction method of the present invention can not only avoid the high service fee from the bank, but also provide the appropriate debit for the investor partition. In order to obtain an appropriate return on investment, and in addition to the different market segments of the debit default, provide an appropriate guarantee ratio to reduce the loss of the technology. The present invention will be apparent from the following description and detailed description of the preferred embodiments of the invention, The spirit and scope of the invention. Referring to Figure 1, there is shown a flow chart of a method for partitioning a network financing method of the present invention. The step uo is to use the network to submit an application process for the membership application. Please refer to the second part at the same time, which is a schematic diagram showing the application flow of the method for splitting the network financing transaction of the present invention. As shown in the order, the first to join, you must first use the Internet to log in—the management platform of the management unit. After step 21〇, enter the name and email address, and set the password, step 220. Next, the step-by-step consent form is signed on the 23rd line. Then, receive the e-mail and reply to the authentication e-mail sent by the management unit by e-mail to authenticate, and the step-by-step completion of the above-mentioned application process can formally become a full member of the management unit, (4) 22 and if the application cannot be completed The process provider cannot become a full member due to registration failure, step 250. After completing the application process of step 110, the identity verification process is then performed 'step 12'. See also Figure 3, as shown in Figure 3, step 31, first enter the customer's personal credit information. In general, this credit contains information such as 'identity number' bank account, birthday, job, address and income. Then the customer, that is, the member who has logged in, downloads the capital agreement from the network, and signs it and mails it to the management unit, so that the official unit can read the credit report and confirm the identity. Step 32〇, 〇 It is better for the eight middle borrowers to complete at least this identity confirmation process before the subsequent loan setting can be made. If the individual capital law consent form is permitted by law, it can also be signed by the Internet. The spirit and scope of the invention. After the debit completes the identity verification process of step 120, a debit loan setting can then be made; t flow 'step 13'. The investor preferably also completes the identity verification process to conduct the investor bidding qualification setting process. After the bank borrows the party's debit loan setting process, the investor can use the bidding method and the borrower in the management unit via the network. The process of completing the combination 9 on the website, step 150 » refer to the figure 4-6, wherein the fourth figure is a schematic diagram of the debit loan setting process of the partitioned seventh network financing transaction method of the present invention, and the diagram is a green investment. The schematic diagram of the bidding qualification setting process, and the 6th!: continuation of the schematic diagram of the matching process. As shown in Figure 4, the borrower first enters the loan = condition 'step 41〇. Among them, the terms of the loan generally include the amount, / recorded and the time displayed on the Internet. When the borrowing conditions are entered, the management will place them in different market segments according to their letter of credit, to bid, and to perform the bidding. Among them, each market can set a predetermined interest rate ceiling, for example, a market that is divided into four different credit conditions, and a higher interest rate ceiling for markets and borrowers with better credit status. For markets and borrowers with poor credit conditions, a higher interest rate limit of π is provided. Therefore, the investment rate in the market will be lower due to the credit situation, but the risk will be lower. In contrast, the investment D market will have a higher interest rate due to the worse situation (4), and the risk is relatively high. For example, the highest interest rate in the A market is 5%, while the highest interest rate in the B market is 丨0%, the highest interest rate in the C market is 15%, and the highest interest rate in the D market is 2%. Then, referring also to the investor bidding qualification setting process in Figure 5, the investor first transfers the amount of the investment to the designated trust account or account, for example, by electronic transfer, the amount of the investment is transferred to the designated trust. Account or account, step 5 10. Investors can use the Internet to browse the information entered by the borrower in the network platform and the current market performance, step 520. The investor then proceeds to bid, which preferably includes the amount of money to be invested and the interest rate' step 53〇. Then, the investor also needs to choose the market that the company wants to invest in, or the loan market, which is the market of four different credit conditions of A, B, C and D mentioned above. Next, the investor will deposit the funds in the specified account, step 550. The investor or management unit can then cut the amount of the loan into a number of aliquots based on a predetermined amount to further spread the risk, step 56.

Also refer to Figure 6 for a single market, such as the A, B, C or D market described above. Taking the A market as an example, when the borrower sets the loan conditions and the investor sets the bid conditions, the management unit's computer starts the work of the A market, step 61 to step 65,

Until the end of the bidding period, step 66. The borrower can combine multiple borrowers in sequence, for example, the first-debit 1 borrower and the third borrower. The employer may also be a plurality of, for example, the first investor, the second investor, and the second investor; the borrower prioritizes the priority, and the investor performs the following steps. First, the system will rank all bidders according to the interest rate set by the investor. In general, the lowest interest rate will be awarded priority. The system then judges whether it is two or more. If there are two (four) bids When the time is prior to the early priority, after the step (4), it will judge whether the amount set by the first debit party is deducted from the winning amount, and whether there is a balance, step 71 (). If there is no balance after deducting the winning amount from the amount debited by the borrower, then the closing step 7^, if the amount of the debit setting is deducted from the standard (4), there is still a step 730' to obtain the amount and the obtained amount. Investing in the target: Go to step 670, re-judge, until the total amount set by the borrower: If the investor wins the bid, the case is closed, and step 720' is the step (4) in Figure 4. 1362626 However, if the amount set by all the borrowers does not have enough investors to bid, the transaction is judged to be unsuccessful, that is, to 440 in Figure 4. At this point, the system will perform the next debit and investor combination. When the loan amount is adjusted to 1%, the next letter of the debit = step 45. In general, the credit review steps include the debit's injury, address confirmation, bank account confirmation, job confirmation, and salary certificate. Confirmation to effectively ensure claims. Step, the borrower enters the step:

Sign a loan contract. Next, the investor is the Z payment to the borrower, step 470. ^ After the early entry into the second paragraph, step 570 to step 590 'after the investor wins the bid', the borrower signs the contract and debits the account at the same time. Going back to Figure 6, when the first borrower is completed, the second borrower's work will be carried out. It is the work of the joint venture. At this time, the original winner will deduct the investment amount. If there is a balance, the amount of the target will be compared with other unsuccessful investors, Gusaki #,··, & Bewan, repeat the above steps until all the borrowers complete the loan. + &, the borrower acknowledges or the investor and the borrower cannot complete the matching process after further matching the required loan amount. 7 to Figure 1, at this point, the funding process of Step _ has been completed, and then: Repayment process 'Step (7). Similarly, other such as B, QD market 'long money 撮 °. Until all markets have completed the integration process. The bundled network financing transaction method of Shu Xingben is not only a credit review, but also when the borrower defaults, and then a reasonable amount of money is given to the investor to reduce the losses caused by the investor, thereby ensuring the investor. Profit, 12 1362626 to increase the willingness of investors to invest. In addition, in order to effectively increase the investor's return on investment, the investor can select the market with different credit ratings according to the acceptable risk level and provide the funds needed by the market borrower. Investors can also use the amount of the loan to be divided into many parts to effectively spread the risk. In addition, in order to further reduce the losses incurred by the borrower in the event of a default by the borrower, the management unit can provide different guarantee ratios according to different markets to further reduce the losses caused by the borrower's default. For example, a 70% guarantee ratio is provided in the A market, the B market provides a 60% guarantee ratio, the c market provides a 55% guarantee ratio, and the D market provides a 4% guarantee ratio. Therefore, the partitioned network financing transaction method of the present invention can provide an efficient online financing transaction and provide an appropriate return on investment for the investor, and can provide a lower borrowing party under the competition of the investor. Lending rates. Due to the decentralization of the amount of funds, the appropriate guarantees partially violate the claims of the spoons, which can reduce the losses of the investors, so that the investors do not have to bear the burden of the debts, thereby increasing the willingness to invest and reducing the borrower’s The interest that is required to make the internet financing transaction more active and secure. As will be appreciated by those skilled in the art, the foregoing is only a preferred embodiment of the present invention and is not intended to limit the scope of the invention. All other equivalent changes or modifications made without departing from the spirit of the invention shall be included in the scope of the following claims. The embodiment is more clearly understood, and the detailed description of the drawings is as follows: 13 1362626 FIG. 1 is a schematic diagram of a process of partitioning a network financing transaction of the present invention; FIG. 2 is a partition of the present invention. Schematic diagram of the application process of the hybrid network financing transaction method; Figure 3 is the identity verification process of the partitioned network financing transaction method of the present invention Intent; Figure 4 is a schematic diagram of the debit loan setting process of the partitioned network financing transaction method of the present invention; ® Figure 5 is a schematic diagram of the investor bidding qualification setting process of the partitioned network financing transaction method of the present invention. And Figure 6 is a schematic diagram of a combination process of the partitioned network financing transaction method of the present invention. [Main component symbol description] 110~730: Step 14

Claims (1)

1362626 J September 7, 00, Amendment Replacement Page 10, Patent Application Scope: 1. A method of zoning-based network financing transactions, including: submitting an application for membership through a computer network; confirming identity via a computer network; The computer network's borrower sets the loan amount; the computer determines the loan market of the borrowers according to the credit status of the borrowers; sets a predetermined guarantee ratio for each of the loan markets via the computer; the investor chooses the computer network One of the loan markets enters the market and sets bid conditions through a computer network. The bid conditions include an investment amount and an interest rate. 1. According to a predetermined amount, the computer will set each of the investors. The amount of the investment is divided into a plurality of equal parts; the computer is used for computer matching; and the borrower is allocated via a computer network. ^ # 刀 撖 撖 网路 网路 网路 网路 ' 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ~ E-mail box, and via the computer network 'online signing conditions to use the computer network' to e-mail::' E-mail to become - official member of the Guanghai "in the early position issued by the recognition of 15 100 years 9 On the 7th of the month, the replacement page transaction is amended. Please refer to the patent scope 帛1 for the zoning-integrated network financing. The above-mentioned confirmation identity further includes the credit information of the customer. The transaction ^^Please refer to the patent specification (4) Partitioned network financing ^: The credit information of the customer mentioned above includes the identity card number, bank account, birthday, guard, address and income. 5. If the patent application scope is specified in item 3撮 网路 网路 , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , The unit's credit report; and the computer's comparison of the identity information. For example, the method of partitioning the network financing transaction described in the first paragraph of the patent scope includes: setting each of the loan markets via the computer 7. The highest interest rate. 7. The method of partitioning the network financing transaction as described in the third paragraph of the application scope of the claim, further includes: via the computer network, each of the investors remits the investment amount to a designated Trust account or special account. 8. The zoning-integrated network financing as described in item 7 of the patent scope of the patent, 1362626, revised the transaction method of the replacement page on September 7, 100. More includes: via the computer network, each will The amount of the investment in the designated trust account of some investors is stored; through the computer network, the winning investor signs the contract with the winning bidder; and 'debits through the computer network. > 9 · The method of partitioning the network financing father as described in the scope of application of the patent, wherein the computer combination includes: the computer judges that the borrowers complete the set loan The order of the amount, and in this order, the computer with the investors; X computer judges the investor with the lowest interest rate; and informs the investor with the lowest interest rate via the computer network to win the bid. The nine-partition-based network financing father-friendly method, wherein the above-mentioned computer combination includes: whether the computer judges the investor with the lowest interest rate is more than two; and when the computer judges the lowest interest rate, the investor has more than two (4) 'Notice the profit of the four (4) low investors - the earliest bidders won the bid. The scope of the eye-catching profit, "factory / | he ~ 々 乂 乂 乂 , , , , , , , , , , , , , , , , , , , 撮 撮 撮 撮 撮 撮 撮 撮After the borrower of the borrower has completed the loan amount and the computer of the second party, the borrower of the borrower's second payment amount is matched with the computer of the investor. . And, 17 1362626 September 7th, 100, revised the replacement of the network financing described in the replacement page 1. 12. If the patent application scope of the transaction method 'more includes: the bid conditions of the right investors can not meet the borrowers One of the pots:: Loan, the amount, in the order of the set loan amount, the borrower debits and the investors' computers. Partitioned network financing as described in item 13. 13. For the patent application scope transaction method, the method further comprises: repaying via a computer network; and reminding the borrower to repay via the computer network; and if the borrower Reminder and collection are not possible when repayment is not possible. Assistance by a management unit for debt 14. A method of zoning-integrated online financing transactions, including: submitting an application for membership through a computer network; confirming identity via a computer network; setting a loan amount via a computer network; Based on the credit status of the borrowers, the debit market is determined; - the cargo is set by computer to set the highest interest rate and the guaranteed ratio of each of the loan markets; 投资 through the computer network, the investors choose the loan market Among them - investing and setting bid conditions, the bid conditions include - investment gold plate - interest rate; I, 1362626 9 September 7, 00, revised the computer for a predetermined amount, each of these investors The set amount of the investment is divided into a plurality of equal parts; the computer is used for computer matching; and the borrower is allocated via the computer network. 15. The method according to claim 14, wherein the application for joining the application via the computer network further comprises: logging in to a management unit website via a computer network Platform; enter the user's name and email address and set a password via the computer network; sign the conditional consent form online via the computer network; and reply to the authentication email sent by the management unit via email on the computer network To become a full member. The second sixteenth. The medium-sized network convergence method described in item 14 of the patent scope is as follows: wherein the above-mentioned identification is further included via the computer network, and the personal credit information of the customer is input via the computer network. , wherein the customer's personal U data includes ID number, bank account, birthday, job, address and income. The second-party patent _ 帛 项 项 中 中 中 中 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由 经由曰 19 1362626 September 7th, pp. 7 Amendment Replacement page to read the debit credit report; and computer comparison identity data. 18. The method for partitioning a network financing transaction as described in claim 14 of the patent application, further comprising: via a computer network, each of the investors to transfer the investment amount to a designated trust account or account; The amount of the investment in the designated trust account of each of the investors is carried out via a computer network; through the computer network, the winning investor signs a contract with the bidder; and via the computer network , deductions. The method of partitioning a network financing transaction according to claim 14, wherein the computer combination further comprises: the computer determining the order in which the borrowers complete the setting of the loan amount, and performing the same in the order The computer combination of some investors; the computer determines the investor with the lowest interest rate; and the computer network informs the investor with the lowest interest rate to win the bid. ~2〇·If you apply for the zoning-integrated network financing method as described in item 14 of the patent application scope, it further includes: I If the computer judges that the bid conditions of the investors cannot satisfy the loan amount of the borrowers At the time, the debits and the borrowers' computers are carried out in the order of the set loan amount. Order 1362626 September 7th, 100th Amendment Replacement Page 21. The method of partitioning the network financing transaction described in claim 14 of the patent application scope, further includes: repayment via a computer network; via a computer network, The borrower is urged to repay the loan; and if the borrower is unable to repay the loan, a management unit assists in the debt reminder payment and recovery, and after the recovery, a considerable proportion of the amount is paid to the investor. twenty one