TWI476708B - Online self - feedback fundraising management method - Google Patents

Online self - feedback fundraising management method Download PDF

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TWI476708B
TWI476708B TW098130961A TW98130961A TWI476708B TW I476708 B TWI476708 B TW I476708B TW 098130961 A TW098130961 A TW 098130961A TW 98130961 A TW98130961 A TW 98130961A TW I476708 B TWI476708 B TW I476708B
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donor
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donation
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TW201110045A (en
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Szu Hsien Lee
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線上自主回饋式募款管理方法Online self-rewarding fundraising management method

本發明係關於一種線上自主回饋式募款管理方法,尤指一種可宏大線上募款及捐款效益之網際網路自主回饋式募款管理方法。The invention relates to an online self-feedback fundraising management method, in particular to an internet autonomous feedback fundraising management method capable of fundraising and donating benefits.

受到網際網路的影響,目前已有許多非營利機構開始使用網路科技,以更有效率且直接的方式與捐款人進行溝通及募款,而改變了過去較被動的募款方式,而轉為主動提供資訊及需求。運用網際網路募款或捐款的方式,優點在於通過電腦通信網路的輔助,具有精確、快速、主動之特性,但目前實際上僅只是利用網際網路作為資訊傳遞的媒介,實質募款過程與一般傳統的募款無異。Affected by the Internet, many non-profit organizations have begun to use Internet technology to communicate and raise funds with donors in a more efficient and direct way, which has changed the way of passive fundraising in the past. Provide proactive information and needs. The advantage of using the Internet to raise funds or donate is that it is accurate, fast, and active through the assistance of the computer communication network, but in fact, it only uses the Internet as a medium for information transmission, and the actual fundraising process. It is no different from the traditional fundraising.

而公益廣告台詞中常常聽到「捐一點點的錢,就能幫助很多需要幫助的人」,捐錢的確是助人的一種很直接的方式,除了傳統的捐款方式之外,現在網路科技化的時代,多了個新選擇:網路募款及網路捐款,動動滑鼠,在網站上填入捐款資料,點點滑鼠,短短幾分鐘,愛心就可即時地傳送出去,但實際上捐款目標一樣是先捐給非營利組織,並未運用到網際網路的特性,可針對明確的目標對象捐款,更未和捐款對象進行任何互動,甚至對單一的被捐款人也未以資訊系統的優勢進行任何額度或資格的管制,實未對過去實體或傳統的捐款方式有任何的進化或改善,而僅是將原本屬於人類的作業方法單純的利用網際網路予以實施而已。In the public service advertisements, I often hear that "donating a little bit of money can help many people who need help." Donating money is indeed a very direct way to help people. In addition to the traditional way of donating, the Internet is now technological. In the era, there is a new choice: online fundraising and online donation, move the mouse, fill in the donation information on the website, click the mouse, in just a few minutes, love can be transmitted instantly, but the actual The goal of donating money is the same as donating to non-profit organizations. It does not use the characteristics of the Internet. It can donate to specific target audiences, and does not interact with the donors. Even the single recipients do not have information. The advantages of the system are subject to any quota or qualification control. There is no evolution or improvement of the past entity or traditional means of donation. It is simply the use of the Internet, which was originally a human operation method.

社會上有許多弱勢的族群需要被照顧,而非營利組織也一直扮演中介的角色,募款一向是非營利組織主要的經費來源,而目前的傳統募款、網路募款及網路捐款多是將捐款先捐給非營利組織,再由非營利組織對所募得的資金進行運用及分配,而人們透過各種管道獲得非營利組織募款的訊息,然後進行捐款或贊助,但人們只知道捐款給非營利組織,卻不明白這些捐款將分配給哪些人,甚至這些捐款的實際去向如何也不得而知;而且隨著詐騙的日益氾濫及越來越多人假慈善名義索取金錢,也讓人們的愛心及金錢時常被浪費及利用,甚至對捐款產生懷疑及排斥。There are many disadvantaged groups in the society that need to be taken care of. Non-profit organizations have always played the role of intermediary. Fundraising has always been the main source of funding for non-profit organizations. The current traditional fundraising, online fundraising and online donations are mostly The donation is donated to the non-profit organization first, and then the non-profit organization uses and allocates the funds raised. The people get the information of the non-profit organization fundraising through various channels, and then donate or sponsor, but people only know the donation. For non-profit organizations, they don’t understand who these donations will be distributed to, and even the actual whereabouts of these donations is not known; and with the increasing proliferation of fraud and the increasing demand for money in the name of charity, Love and money are often wasted and used, and even doubts and rejection of donations.

如此的募款或捐款不論是以傳統或是網路方式進行,其實所產生的效率都不高,除了捐款的去路或流向並不明確外,所捐款的金額也多因分配不均而只幫助到少部分的人,甚至獲得捐款的人根本就是好吃懶做、吃喝嫖賭、不想工作、債信不良、負債累累的投機份子?捐款的去路或流向,捐款人是無法明確掌握及清楚的,更何況是被捐款人的認定及挑選,捐款人更是無從挑選及評斷。Such fundraising or donations are carried out either traditionally or on the Internet. In fact, the efficiency is not high. Except for the way or the flow of donations is not clear, the amount of donations is mostly due to uneven distribution. To a small number of people, even those who receive donations are simply speculators who are lazy, eat, drink, gamble, do not want to work, bad debts, and debts. Donors cannot be clearly grasped and clearly defined by the way or flow of donations, not to mention the identification and selection of donors. Donors are even less likely to choose and judge.

而捐款人即使在某些特殊狀況下,可以針對個別的被捐款人進行捐款,或許能稍稍掌握善款是捐給了哪些被捐款人,但該被捐款人是否將這平白得來的錢謹慎運用在正途上?還是隨性地使用或胡亂揮霍?或是因為太多捐款者瞬間且同時對其捐款,而使得此單一被捐款人所得到之捐款金額已遠遠高於所需金額?以現今的捐款或募款方式,其實各捐款人也無能控制、過問、追索或考究,因此更間接造成捐款人的愛心或金錢形成了浪費或不均!更重要的是排擠了其他真正需要救助的其他人。Even if the donors donate in a special situation to individual donors, they may be able to know a little about what donations were donated to the donors, but whether the donors will be cautious about the money they have received. Applied on the right track? Or use it casually or squander? Or because too many donors donate instantly and at the same time, so that the amount of donations received by this single donor is much higher than the required amount? In the current donation or fundraising method, in fact, the donors are incapable of controlling, questioning, recourse or researching, so it is indirectly causing the donor's love or money to be wasted or uneven! More importantly, it crowds out other people who really need help.

另外,不論是傳統或是網路募款,被捐款人除了接受捐款資金外,並無任何償還、回饋或再捐款的機制及要求,也沒有任何的義務及責任去規範被捐款人,這將容易造成被捐款人輕忽所得捐款的價值、意義及愛心,也間接造成被捐款人未能將這些捐款謹慎使用或長遠規劃,因此常聽聞被捐款人在短時間內就將大筆捐款耗費殆盡,又再度陷入困境及苦痛中,因而又需再度募款的惡性循環,最後還是未解決原本的問題。In addition, whether it is traditional or online fundraising, the donors do not have any mechanism and requirements for reimbursement, reimbursement or re-contribution, and have no obligation or responsibility to regulate the donors. It is easy to cause the value, meaning and love of the donors to neglect the donations. It also indirectly causes the donors to fail to use these donations cautiously or in the long-term planning. Therefore, it is often heard that the donors will spend a large amount of donations in a short period of time. However, once again in trouble and pain, and then need to re-raise the vicious circle, and finally did not solve the original problem.

猶記得罹患罕見「腎上腺白質退化症(ALD)」的高雄張家三兄弟(「羅倫佐油」事件),在短短三天之內即收到新台幣七千多萬元善心捐款的感人紀錄,但是這龐大的金額對比其他很多被人忽略的罕見疾病患者,以及更多的弱勢族群得不到充分資源的情況,亦顯現出現今募款方式的問題及缺陷;另外電視上也常常報導,某些低收入戶的悲慘個案上了新聞媒體後,各界捐款和救援物資急速湧入,然而愛喝酒或賭博的苦主(被捐款人)又莫名其妙將捐款揮霍殆盡,到頭來根本沒有解決問題,也是彰顯了現今募款方法或制度上的缺憾。I still remember the Kaohsiung Zhangjiasan brothers ("Lorenzo Oil" incident) who suffered from rare "adrenal white matter degeneration (ALD)". In just three days, they received a touching record of NT$70 million in donations, but this is a good record. The huge amount is compared with many other patients with rare diseases that are neglected, and more vulnerable groups are not getting enough resources. It also shows the problems and shortcomings of the current fundraising methods. In addition, TVs often report that some are low. After the tragic case of the income households went to the news media, donations and relief supplies from various circles rushed in. However, the victims who loved to drink or gamble (donated by the donors) inexplicably squandered the donations. In the end, they did not solve the problem at all, but also highlighted the present. Fundraising methods or institutional shortcomings.

因此如何藉由網際網路及資訊系統的特點及優勢建構出一套能讓供給與需求達到有效媒合及合理管控的線上募款管理方法,除可讓需要捐助的人獲得足夠且合理的捐款,也能讓被捐款人更加珍惜且慎用所獲得的捐助,並可讓各捐款人能自主地將自身的捐款及心血透明、公平且有效地捐助出去,是當下興起社會企業、企業公益、慈善互助風潮的社會裡,一個不能忽視的課題及亟待解決的問題,因此一個真正可發揮網際網路特性及資訊系統優勢的線上募款方法,是極待開發及期待的;而本發明就是希望藉由網際網路及資訊系統的優勢及功能,提供一被捐款人需經過一定審核,並由管理單位進行捐款額度控管,更讓捐款人可依自己意願及選擇,自主決定要將捐款捐予哪位被捐款對象的一種線上自主回饋式募款管理方法。Therefore, how to build an online fundraising management method that enables supply and demand to be effectively matched and controlled through the characteristics and advantages of the Internet and information systems, in addition to allowing those who need to donate to receive sufficient and reasonable donations. It will also enable the donors to cherish and use the donations more rigorously, and allow the donors to independently donate their donations and efforts transparently, fairly and effectively. This is the rise of social enterprises and corporate public welfare. In the society of charitable mutual assistance, there is a problem that cannot be ignored and a problem that needs to be solved urgently. Therefore, an online fundraising method that can truly exert the advantages of Internet and information systems is extremely urgent to be developed and expected; and the present invention is hope Through the advantages and functions of the Internet and information systems, a donated person needs to undergo a certain review, and the management unit will control the amount of donations, so that the donors can decide to donate their donations according to their own wishes and choices. An online voluntary feedback fundraising management method for which recipients are donated.

本發明之線上自主回饋式募款管理方法即是為了解決先前技術所無法解決或逐漸產生的問題,是提供一種讓捐款人可於線上自由選擇想捐款對象及捐款金額,而被捐款人在被授予的募款額度內,可依自己需求及承諾於線上尋求捐款,並藉由網際網路及資訊系統的優勢及功能進行各項控管及媒合,並讓捐款人及被捐款人間能跨距且即時產生互動及交流,且更為多元化之線上自主回饋式募款管理方法。The online self-feedback fundraising management method of the present invention is to solve the problem that the prior art cannot solve or gradually generate, and is to provide a donor who can freely select the object to be donated and the amount of donation, and the donor is being Within the granted fundraising quota, you can seek donations on the Internet according to your needs and commitments, and through the advantages and functions of the Internet and information systems, you can control and match the media, and allow donors and donors to cross each other. An online self-rewarding fundraising management method that is interactive and interactive, and more diversified.

捐款的目的之一是在救急救窮,為的是讓被捐款人能度過眼前的危急或短暫的苦痛,而使被捐款人能儘快回復自立更生或正常生活,並非只是一直或恆久地接受捐款及資助,因此本發明希望能將可募款額度及償還、回饋或再捐款機制藉由網際網路及資訊系統處理之技術導入募款活動中,而使被捐款人更謹慎運用善款及努力向上,並給予適切的動力及合理的壓力,進而賦予被捐款人較多的責任或使命。One of the purposes of the donation is to save the first aid, so that the donor can get through the immediate or short-term pain, so that the donor can return to self-reliance or normal life as soon as possible, not just accepting it forever or forever. Donations and grants, the present invention hopes that the fundraising amount and the reimbursement, feedback or re-payment mechanism will be introduced into the fundraising activities through the technology handled by the Internet and information systems, so that the donors will use the funds more cautiously. Work hard and give appropriate motivation and reasonable pressure to give the donors more responsibility or mission.

為了達成上述之目的,本發明之線上自主回饋式募款管理方法係建構於一管理伺服器上,並透過一網路伺服器於網際網路上運作,可於線上接受使用者提出申請成為被捐款人或捐款人,而由管理單位針對申請成為被捐款人之身分背景、家庭狀況、婚姻狀況、信用狀況、負債狀況、收入狀況、工作狀況、募款理由、募款金額、募款原因……等進行審核及調查,並得適時結合或參考其他相關單位或團體之資料及資訊進行總合或綜合審核評估,另外被捐款人甚至可另外提供抵押品、保證人或其他形式之承諾給予管理單位,以便於審核資格時增加核准機率及額度;而對於申請成為捐款人者,則以較簡易之審核,但至少需確認其聯絡方式或真實身分,並給予登入帳號及密碼。In order to achieve the above object, the online self-feedback fundraising management method of the present invention is constructed on a management server and operates on the Internet through a network server, and can accept applications from online users to be donated. The person or the donor, and the management unit is responsible for the identity of the applicant, the family status, marital status, credit status, debt status, income status, work status, fundraising reasons, fundraising amount, and fundraising reasons... Such as review and investigation, and may combine or refer to the information and information of other relevant units or groups for aggregate or comprehensive review and evaluation, and the donor may even provide collateral, guarantor or other forms of commitment to the management unit. In order to increase the approval probability and quota when reviewing eligibility, for the application to become a donor, a simple review is required, but at least the contact information or true identity must be confirmed, and the login account and password are given.

此外,管理單位對申請成為被捐款人之資格審核亦可進一步包含:被捐款人償還、回饋或再捐款期限、方式、金額、計劃之確認、討論、核定及締約;對合格被捐款人除給予登入帳號及密碼外,另可核予一可募款之額度,限制其可募款之金額上限,並相互約定償還、回饋或再捐款之期限及金額,而若被捐款人有其他替代之償還、回饋或再捐款方式亦可一併約定、確認、討論、核定及締約,並將合格之被捐款人之各項資料及可募款額度儲存於管理伺服器進行控管;除此之外,管理單位可依事先約定或由捐款人、被捐款人自行決定於線上募款或捐款時,是否公開捐款人或被捐款人之真實身分,亦或是僅以代號或帳號表現。In addition, the management unit may further include the qualification review of the applicant as a donor, including: the time limit, method, amount, plan confirmation, discussion, approval and contraction of the donor's repayment, feedback or re-contribution; In addition to the account number and password, you can also approve the amount of a fundraising amount, limit the amount of funds that can be raised, and mutually agree on the time limit and amount of repayment, reward or re-grant, and if the donor has other alternatives to repay , rewards or re-contribution methods may also be agreed, confirmed, discussed, approved and contracted, and the information of eligible donors and the amount of fundraising can be stored in the management server for control; in addition, The management unit may, according to the prior agreement or by the donor or the donated person, decide whether to disclose the true identity of the donor or the donated person when the fundraising or donation is made online, or only by code or account.

而經管理單位核准之合格被捐款人可藉帳號及密碼登入線上募款系統或平台,將募款請求、資訊或條件於線上公佈給網友或各捐款人瀏覽及知悉,而被捐款人更可主動向各捐款人或網友進行推薦、說明、陳述及問答,而欲捐款之網友或捐款人則可於線上自行瀏覽各被捐款人之請求及資訊,並進一步針對該被捐款人於線上公佈之募款金額、募款原因、募款資訊、募款計畫,及償還、回饋或再捐款計畫、期限、方式、金額等進行瞭解,亦可登入系統或平台進行提問或互動,最後藉由捐款人之自主判斷、篩選、審核,決定是否於該被捐款人可募款額度內對其捐款。The qualified donors approved by the management unit can use the account number and password to log in to the online fundraising system or platform, and publish the fundraising request, information or conditions online to the netizens or donors for browsing and knowledge, and the donors can Proactively recommend, explain, present and answer questions to the donors or netizens, and the netizens or donors who wish to donate can browse the requests and information of each donor on the line and further publish the online information on the donated person. Fundraising amount, fundraising reasons, fundraising information, fundraising plan, and reimbursement, feedback or re-grant plan, time limit, method, amount, etc., can also be logged into the system or platform for questioning or interaction, and finally by The donor's self-judgment, screening, and review determine whether or not to donate to the donor's fundraising amount.

而對於線上募款之進行,若被捐款人在原募款請求期間未獲得足額之捐款時,得延長募款請求期間,而當募款或延長請求期間截止後,若所得捐款金額仍未獲足額時,管理單位可藉由事先約定,決定被捐款人是否可獲得所募得之金額,若約定無法獲得所募得之募款,則另依約定:由管理單位統籌使用該不足之募款,或是將該募款退還給捐款人;亦可藉由事先約定:若所得捐款金額未獲得足額時,可由管理單位逕行補足未募足之款項,或被捐款人僅獲得不足額之所募金額,但亦可事先約定是否需達一定之募款比例,管理單位才得以補足或被捐款人方可獲得不足額之所募金額。另外,不論募款足額與否,管理單位亦可限制被捐款人是否需獲得一定人數之捐款人捐款,或該一定人數之各捐款人必須捐款一定金額以上,被捐款人方可獲得所募得之金額,以避免洗錢、贈與、胡鬧、玩笑或其他可能違法、弊端及破壞之行為。For the online fundraising, if the donor does not receive the full amount of donation during the original fundraising request period, the fundraising request period may be extended, and when the fundraising or extension request period expires, if the amount of the donation is still not obtained, In full, the management unit may decide whether the donated person can obtain the amount raised by prior agreement, and if it is agreed that the fundraising obtained cannot be obtained, it is also agreed that the management unit will use the shortfall. , or return the fundraiser to the donor; or by prior agreement: if the amount of the donation is not fully paid, the management unit can make up the unfunded amount, or the donor can only get the insufficient amount. The amount raised, but it can also be agreed in advance whether it is necessary to reach a certain proportion of fundraising, the management unit can be replenished or the donor can obtain the amount of the insufficient amount. In addition, regardless of whether the fundraising is sufficient or not, the management unit may also limit whether the donor needs to receive a certain amount of donation from the donor, or the certain number of donors must donate more than a certain amount, and the donor can obtain the donation. Get the amount to avoid money laundering, giving, fooling, jokes or other acts that may be illegal, malpractice and vandalism.

最後,若被捐款人依約定可獲得所募得之捐款時,則由管理伺服器進行結算,並依約定進一步處理後,收取各捐款人之捐款給予指定之被捐款人。而被捐款人未來則需依原募款請求時之各項約定,對其所獲得捐款進行償還、回饋或再捐款,而所謂償還、回饋或再捐款至少有下列幾種態樣:Finally, if the donated person can obtain the donated funds as promised, the management server will settle the bill and, after further processing according to the agreement, collect the donation from each donor to the designated donor. In the future, the donor will be required to repay, give back, or make another donation according to the various agreements at the time of the original fundraising request. The so-called repayment, reward or re-grant has at least the following aspects:

1.該被捐款人於約定期限內將所得捐款金額或約定金額返還管理單位;1. The donated person will return the amount of the donation or the agreed amount to the management unit within the agreed time limit;

2.該被捐款人於約定期限內將所得捐款金額或約定金額,捐款給予另一或多位經管理單位核准之被捐款人;2. The donated person will donate the amount of the donation or the agreed amount within the agreed time limit, and the donation will be given to another or more donors approved by the management unit;

3.該被捐款人於約定期限內依原線上募款請求時所約定之其它方式進行償還、回饋或再捐款。3. The donated person will repay, give back or donate again in the other way agreed upon at the time of the original online fundraising request within the agreed time limit.

4.以上任何態樣之組合、變化或結合。4. Combination, variation or combination of any of the above.

其中,特別需要說明的是:以上幾種償還、回饋或再捐款的態樣,其償還、回饋或再捐款的金額或價值是以被捐款人於線上公佈募款請求時,即已被同意、核定且締約之金額或方式,而且是被捐款人於線上公佈募款請求時,即公告且被捐款人知悉之金額或方式,其償還、回饋或再捐款的金額或價值可不必然需與原獲得之捐款金額或價值相對應或比較。Among them, it is particularly necessary to explain that the amount or value of repayment, reimbursement or re-contribution of the above-mentioned repayments, rewards or re-contributions is agreed upon when the donors announce the fund-raising request online. The amount and method of verification and contracting, and the amount or method announced by the donor when it is announced online, and the amount or value of the repayment, reciprocation or re-contribution may not necessarily be obtained from the original The amount or value of the donation is corresponding or comparable.

而若該被捐款人於約定回饋期限內選擇將所獲得捐款或約定金額返還管理單位,則返還之金額將由管理單位統籌分配使用,並可由管理單位擔任捐款人於線上選擇合適之被捐款人進行捐款。另外,進行捐款、償還或再捐款後,都將由管理單位給予收據或證明,而該捐款收據或捐款證明可選擇:捐款人與收據人相同,亦可不相同;若捐款人與收據人不相同時,只要在線上填寫捐款資料時,將捐款人與收據人之資料填寫不相同姓名即可。If the donated person chooses to return the donated or agreed amount to the management unit within the agreed time limit, the amount returned will be distributed and used by the management unit, and the management unit can act as the donor to select the appropriate donor on the line. Donation. In addition, after making a donation, repayment or re-contribution, the management unit will give a receipt or proof, and the donation receipt or donation certificate can be selected: the donor and the recipient are the same or different; if the donor is different from the recipient As long as you fill out the donation information online, you can fill in the different names of the donor and the recipient.

而此線上自主回饋式募款管理方法中擔任管理單位者可為:公益、慈善、金融、宗教單位、機構或團體,或是經相關政府機關核准成立之各式基金會或財團法人、依照規定向相關政府機關登記立案之公司、行號或法人;而管理單位亦可由一個以上之單位相互結盟搭配組合而成,而此管理單位可另由捐款或孳息中訂定提撥一定比例或金額供營運及管理經費之用,亦可請求由其他企業或捐款人直接給予贊助或資助。The administrative unit in the online self-rewarding fundraising management method may be: public welfare, charity, finance, religious units, institutions or groups, or various foundations or consortiums approved by relevant government agencies, in accordance with regulations. The company, line number or legal person registered with the relevant government agency; and the management unit may also be formed by a combination of more than one unit, and the management unit may set a certain percentage or amount from the donation or interest. For operational and management purposes, it may also be requested to be sponsored or funded directly by other companies or donors.

其中,若被捐款人於約定期限內,未對所得捐款進行償還、回饋或再捐款,則管理單位將以適當方式聯繫該被捐款人,並進行相關催繳及催收作業,亦可對該被捐款人進行線上催收公告及進行相關法律訴訟,更可針對該被捐款人尚未償還、回饋或再捐款之金額於聯合徵信中心或相關信用記錄單位進行註記或相關登錄,亦可向其他相關單位、機構或團體針對該被捐款人進行債務催收或通報;另外,當發生催繳或催收狀況而需進行線上催收公告或相關信用通報時,則得將被捐款人之真實姓名及身分以適當且合法方式揭露。Among them, if the donor has not repaid, repaid or re-granted the donated income within the agreed time limit, the management unit will contact the donated person in an appropriate manner, and carry out relevant collection and collection operations, or The donor shall make an online collection notice and conduct related legal proceedings, and may also make an annotation or related registration for the amount of the donated person who has not repaid, repaid or re-granted, or to other relevant units. , the institution or the group to carry out debt collection or notification to the donor; in addition, when an online collection announcement or related credit notification is required in the event of a call or collection, the real name and identity of the donor must be appropriate and Legally exposed.

本發明在於提供一種透過網際網路進行的線上自主回饋式募款管理方法,其重點在於有別以往的募款或捐款方式,主要係利用一個或一個以上的管理伺服器執行運作,請參閱第一圖所示,其由至少一管理伺服器100透過一網路伺服器200連結網際網路(Internet)連線,以便利用網際網路與各個使用者終端機300構成連線,並由管理伺服器100配合網路伺服器200執行以下內容,其包括有:於線上接受使用者或參加者提出申請,係由管理伺服器100透過網路伺服器200產生一網頁,提供使用者或參加者提出申請的相關訊息,以尋求或招募欲成為被捐款人或捐款人之網路使用者或參加者瀏覽,並有相關申請表單供下載,以便於使用者或參加者提出申請,其申請方式可為線上登錄、以電子郵件或一般郵件交寄;管理單位審核成為被捐款人資格,係針對欲成為被捐款人進行審核調查,主要在調查欲成為被捐款人者之身分背景、家庭狀況、婚姻狀況、信用狀況、負債狀況、收入狀況、工作狀況、募款理由、募款金額、募款原因、回饋期限、回饋方式、回饋計劃、回饋金額等;其審核調查內容至少包括有可募款額度之確認及變更;根據審核調查結果決定是否核可之加入申請,如經核可加入,即將合格之被捐款人資料儲存於管理伺服器,並繼續進行其他流程;如未經核可,則通知使用者未核可加入之訊息;而當被捐款人一經核准,除授予帳號及密碼外,並可根據審核調查結果賦予合格之被捐款人一可募款額度,由管理單位針對可募款額度進行控管。The invention provides an online self-feedback fundraising management method through the Internet, which focuses on different fundraising or donation methods, mainly using one or more management servers to perform operations, please refer to As shown in the figure, at least one management server 100 is connected to an Internet connection through a network server 200 to form a connection with each user terminal 300 by using the Internet, and is managed by a server. The device 100 cooperates with the network server 200 to perform the following operations, including: accepting an application by the online user or the participant, and the management server 100 generates a webpage through the network server 200, and provides the user or the participant to submit the webpage. The relevant information of the application is to seek or recruit online users or participants who want to become donors or donors, and have relevant application forms for downloading, so that users or participants can apply for them. Online login, email or general mail delivery; management unit review becomes eligible for donors, for the purpose of becoming a donor The nuclear investigation mainly investigates the background of the person who wants to become a donor, family status, marital status, credit status, debt status, income status, work status, fundraising reasons, fundraising amount, fundraising reasons, feedback period, and feedback. The method, the reward plan, the amount of feedback, etc.; the content of the audit investigation includes at least the confirmation and change of the fundraising amount; whether the application for approval is approved according to the results of the audit investigation, and if it is approved, the qualified donor information will be approved. Stored on the management server and continue with other processes; if not approved, the user is notified that the user has not approved the message; and when the donor is approved, in addition to the account number and password, the audit result can be based on the review. A qualified fundraiser can be given a fundraising amount, and the management unit controls the amount of fundraising.

募款方式係由合格之被捐款人透過網路進行公告或自薦,如透過網頁或電子郵件進行公告或推銷,管理伺服器100透過網路伺服器200取得各捐款人的捐款資料後,即開始對各捐款進行累加,而至募款請求期間結束後,管理伺服器100係根據下列原則結算:依捐款時間先後進行扣款及加總,而加總至該被捐款人可募款額度之上限,若募款金額超出可募額度時,則超出之部分可依事先約定:由管理單位統籌使用該多餘之募款或將募款退還給該捐款人,而足額之最末多筆捐款之時間若相同時,另以適當之抽選作業決定;若募款金額不足時,則可藉由事先約定:由管理單位逕行補足未募足之款項,或被捐款人僅獲得不足額之所募金額,亦或是被捐款人無法獲得任何款項;除前述功能外,管理伺服器100將透過網路伺服器200產生網頁以同時提供募款、捐款、修改、刪除、公告、問答及查詢作業等功能。The fundraising method is announced or self-recommended by qualified donors through the Internet. For example, through the webpage or email, the management server 100 can obtain the donation materials of each donor through the web server 200. The contributions are accumulated, and after the end of the fundraising request period, the management server 100 is settled according to the following principles: deduction and summing according to the time of the donation, and adding up to the upper limit of the amount that the donor can raise If the fundraising amount exceeds the fundraising amount, the excess may be agreed in advance: the management unit will use the redundant fundraising or return the fundraiser to the donor, and the full amount of the last donation If the time is the same, it is decided by the appropriate lottery operation; if the fundraising amount is insufficient, it can be agreed in advance: the management unit can make up the unfunded amount, or the donor can only get the insufficient amount of the fundraising amount. Or the donor is unable to obtain any payment; in addition to the foregoing functions, the management server 100 will generate a webpage through the web server 200 to provide fundraising, donation, modification, In addition, announcements, quizzes and query operations and other functions.

另外,前述管理伺服器100進一步包括有一收款作業及一催收作業;其中:該收款作業係透過適當方式向捐款人收取捐款資金,並於期限內,將捐款資金給予該對應之被捐款人;前述收款作業係於一定期限內收集各捐款人之捐款,並於固定期限內將捐款資金給予該對應之被捐款人。而前述催收作業係於被捐款人獲得捐款後,而於約定期限到期卻未履行償還、回饋或再捐款時,即進入催收模式,由管理系統以適當方式聯繫被捐款人進行償還、回饋或再捐款,並同時進行相關催收、公告、通報及法律作業,直至回復正常為止。In addition, the foregoing management server 100 further includes a collection operation and a collection operation; wherein: the collection operation collects the donation funds from the donor through an appropriate manner, and gives the donated funds to the corresponding donor within the time limit. The aforementioned collection operation collects donations from various donors within a certain period of time, and gives the donated funds to the corresponding recipients within a fixed period of time. The above collection operation is after the donation of the donation by the donor, but when the agreed period expires but fails to repay, repay or re-contribute, the collection mode is entered, and the management system contacts the donor in an appropriate manner for repayment, feedback or Donate again, and at the same time carry out relevant collection, announcement, notification and legal work until the return to normal.

最後,參照所附圖式第二圖所示,詳加說明本發明之線上自主回饋式募款管理方法的較佳實施例:首先於線上招募參加者S100,而由管理單位審核S110參加者是否欲成為被捐款人S120,若申請者欲成為被捐款人S200則進行審核調查S210,主要在調查欲成為被捐款人者之身分背景、家庭狀況、婚姻狀況、信用狀況、負債狀況、收入狀況、工作狀況、募款理由、募款金額、募款原因、回饋期限、回饋方式、回饋計劃、回饋金額等;如未經核可,則給予不受理通知S221,若經核准則成為合格之被捐款人S220,並授予帳號、密碼及可募款額度S230,而合格之被捐款人則可於線上提出募請求及未來回饋方式和期限S240,更可主動向各捐款者自我推薦S250或回覆各捐款人於線上的提問S260,並於募款期間內等待捐款S270;而參加者若是申請成為捐款人S300,則管理單位經確認聯絡方式或真實身份後,將授予帳號及密碼S310,以供捐款人可於線上瀏覽被捐款人資料S320及向被捐款人提問S330,並自主選定被捐款人及捐款金額S340進行捐款S350;待募款期間或延長募款期間截止,則檢核可募款額度及累加捐款金額S400,並進行系統結算S410後,執行募款是否足額判斷S420,若募款足額則進行收付款作業S430收取各捐款人捐款給予被捐款人,若募款不足額則依事先約定處理S421,並執行是否可獲得募款判斷S423,若被捐款人依約定可獲得募款則進行收付款作業S430,若被捐款人依原約定無法獲得捐款S422,則由管理單位統籌使用該募款或將該募款退還給各捐款人。Finally, with reference to the second diagram of the drawing, a preferred embodiment of the online self-feedback fundraising management method of the present invention will be described in detail: first, the participant S100 is recruited online, and the management unit reviews whether the S110 participant is If you want to become a donor S120, if the applicant wants to become a donor S200, he will conduct an audit investigation S210, mainly to investigate the background, family status, marital status, credit status, debt status, income status of the person who wants to become a donor. Work status, reason for fundraising, fundraising amount, reason for fundraising, reward period, feedback method, reward plan, reward amount, etc.; if not approved, give notice of non-acceptance S221, if approved, become eligible to be donated Person S220, and grant account number, password and fundraising amount S230, and qualified donors can apply for online recruitment and future feedback methods and time limit S240, and can actively recommend S250 to each donor or reply to each donation. The person asks S260 online and waits for donation S270 during the fundraising period; if the participant applies to become the donor S300, the management unit confirms the contact. After the mode or the real identity, the account number and password S310 will be granted for the donor to browse the donated person information S320 and ask the donor S330, and select the donated person and the donation amount S340 to make a donation S350; During the period of the payment period or the extension of the fundraising period, the amount of the fundraising amount and the accumulated contribution amount S400 are checked, and after the system settlement S410 is performed, whether the fundraising is fully determined is S420, and if the fundraising is sufficient, the payment and payment operation S430 is charged. Donors donate to the donors. If the fundraising is insufficient, the S421 will be processed according to the prior agreement, and if the fundraising judgment S423 is available, if the donor can obtain the fundraising according to the agreement, the payment and payment operation S430 will be performed. If the donor cannot obtain the donation S422 according to the original agreement, the management unit will use the fundraiser or return the fundraiser to each donor.

由上述實施方式之說明可看出本發明之線上自主回饋式募款管理方法所利用網際網路及資訊系統處理之具體技術手段,以該等設計至少具備下列優點:It can be seen from the description of the above embodiments that the online self-feedback fundraising management method of the present invention utilizes the specific technical means of the Internet and information system processing, and the design has at least the following advantages:

1.有效解決捐款者無法決定被捐款人的問題:本發明透過網際網路招募有捐款或募款意願及需求者,利用網際網路的跨域、靈活、全時、互動、及時及明確的特性,並透過資訊系統的優勢而進行大量、準確、公平且透明的捐款及募款配對。1. Effectively solve the problem that the donor cannot decide the donor: The invention recruits the willingness or demand of the donation and the demand through the Internet, and utilizes the inter-domain, flexible, full-time, interactive, timely and clear Internet. Features, and through the advantages of the information system, a large number of accurate, fair and transparent donations and fundraising pairs.

2.有效的供需系統:透過本發明之線上自主回饋式募款管理方法可使有捐款能力者(捐款人)可以瞭解何處有需求捐款者(被捐款人),對於需求捐款者(被捐款人)而言,亦可預知何處可以獲得捐款的機會及管道,故為兼顧供需的自動線上媒合系統。2. Effective supply and demand system: Through the online self-rewarding fundraising management method of the present invention, the donors (donors) can know where there is a demand donor (donor), and the demand donor (donated) In terms of people, it is also possible to predict where opportunities and channels for donations can be obtained, so it is an automatic online matching system that combines supply and demand.

3.運作模式靈活:本發明之捐款或募款方式可由當事人自主決定,其不同於現今的捐款或募款方式,僅能透過非營利組織等中介單位運作,足使捐款或募款趨於活潑化、靈活化、直接化及效率化。3. Flexible operation mode: The donation or fundraising method of the invention can be decided by the parties themselves. It is different from the current donation or fundraising methods, and can only be operated through non-profit organizations and other intermediary units, so that the donation or fundraising tends to be lively. Modification, flexibility, directness and efficiency.

4.安全性高:本發明由管理單位負責運作及控管,並藉由網際網路及資訊系統之優勢,可依實際需求以真實姓名或其他代號加密運作,可有效保障捐款人或被捐款人的權益及隱私。4. High security: The invention is operated and controlled by the management unit. With the advantages of the Internet and information system, it can be encrypted by real name or other code according to actual needs, which can effectively protect donors or be donated. Human rights and privacy.

5.具高效益及公平性:本發明之捐款或募款方式藉由核予被捐款人可募款額度進行控管,除可獲得合理的捐款金額,解決被捐款人之需求外,更可避免捐款或資源過度集中,造成少部分被捐款人瞬間成為巨富,而卻忽略其他也需要資助的大部分被捐款人或弱勢族群。5. High efficiency and fairness: The donation or fundraising method of the present invention is controlled by granting the amount of funds that can be raised by the donor, in addition to obtaining a reasonable amount of donation to solve the needs of the donor, Avoiding excessive concentration of donations or resources, causing a small number of donors to become riches in an instant, while ignoring most of the donors or vulnerable groups that also need funding.

6.自主性高:除管理單位審核被捐款人之資格外,各捐款人亦可針對合格被捐款人於線上所公佈之資訊內容來自主判斷、篩選及決定是否進行捐款或捐款金額多寡,間接將控制及審核權交還給各捐款人。6. High autonomy: In addition to the management unit's review of the qualifications of the donors, each donor can also judge the content of the information published by the qualified donors on the online, judge and decide whether to make donations or the amount of donations, indirectly. Return control and review rights to each donor.

7.具靈活性及人性化:弱勢族群對於所得捐款可自訂償還、回饋或再捐款之期限及利率,其期限可依自身年齡及規劃訂定由數年至數十年,而利率亦可依自身能力及壓力約定為零利率,甚至是負利率;亦可以用其他形式之償還或回饋,除可彌補一般借款必須於短暫期限內償還(法律限定無擔保借貸最長七年)或一般借款皆有基本之借款利率(大部分借貸利率高於一年之存款利率);亦改良一般捐款,無論被捐款人未來是否成就非凡或富裕豐足,皆可毫無責任及記錄,且可永不償還及回饋。7. Flexibility and humanity: The period and interest rate for the vulnerable groups to repay, repay or re-grant their donations. The period can be set from years to decades according to their age and planning. According to their own ability and pressure, zero interest rate or even negative interest rate can be used; other forms of repayment or feedback can be used, except that the general loan can be repaid within a short period of time (the law limits unsecured lending for up to seven years) or the general loan has The basic borrowing rate (most of the borrowing rate is higher than the one-year deposit rate); it also improves the general donation. No matter whether the donor is successful or rich in the future, he can have no responsibility and record, and can never repay and give back.

8.能永續發展且良性循環:本發明賦予被捐款人需償還、回饋或再捐款之責任,並限定一可募款之額度,如此可使被捐款人更謹慎發動募款,且更加慎用捐款,也使大眾及人們的善心、愛心、資金及資源能更有效益及永續。8. Sustainable development and virtuous circle: The invention gives the donor the responsibility to repay, give back or donate again, and limits the amount of a fundraiser, so that the donor can be more cautious to raise funds and be more cautious. With donations, the goodwill, love, funds and resources of the public and people can be more effective and sustainable.

綜上所述,本發明已具備前揭所述的各項優點,相較於目前網路捐款或傳統捐款之可能的發展已具備顯著的實用性、新穎性與進步性,並符合相關發明專利之要件,爰依法提起申請。In summary, the present invention has the advantages disclosed above, and has significant practicability, novelty, and advancement compared to the current development of online donations or traditional donations, and complies with relevant invention patents. The requirements, 提起 apply in accordance with the law.

100‧‧‧管理伺服器100‧‧‧Management Server

200‧‧‧網路伺服器200‧‧‧Web server

300‧‧‧使用者終端機300‧‧‧User terminal

第一圖:係本發明線上自主回饋式募款管理方法之系統基本架構圖。The first figure is a basic structural diagram of the system of the online self-feedback fundraising management method of the present invention.

第二圖:係本發明線上自主回饋式募款管理方法之基本運作流程圖。The second figure is a basic operation flow chart of the online self-feedback fundraising management method of the present invention.

Claims (19)

一種線上自主回饋式募款管理方法,係建構於一管理伺服器上,並透過一網路伺服器於網際網路上運作,該方法包含該管理伺服器執行的下列步驟:於線上接受使用者提出申請成為被捐款人或捐款人;接收由一管理單位審核申請成為被捐款人者之資格後所輸入的審核調查結果,並根據該審核調查結果儲存合格之被捐款人資料;接收合格被捐款人之請求而將募款請求於線上公佈;提供各捐款人於線上挑選被捐款人,並對所挑選之被捐款人進行捐款;進行結算,收取捐款人捐款給予被捐款人;及提示被捐款人依約定對所得捐款進行償還、回饋或再捐款;其中,該進行結算步驟包含以下步驟:判斷捐款金額是否足額;當判斷為足額時,依捐款時間先後進行扣款,收取捐款人捐款給予被捐款人;及當判斷為不足額時,執行以下其中之一:自管理單位補足未募足之款項而使被捐款人獲得足額之金額,使被捐款人僅獲得不足額之所募金額,及使被捐款人無法獲得任何款項。 An online self-feedback fundraising management method is constructed on a management server and operates on the Internet through a network server, and the method includes the following steps performed by the management server: accepting the user on the line Apply to become a donor or donor; receive the results of the audit investigation entered by a management unit after reviewing the application as a donor, and store qualified donor information based on the audit findings; receive qualified donors Request for the fundraising request to be published online; provide each donor to select the donor on the line and make a donation to the selected donor; make a settlement, collect donor contributions to the donor; and prompt the donor Reimbursement, reimbursement or re-contribution of the donated funds according to the agreement; wherein the settlement step includes the following steps: judging whether the donation amount is sufficient; when it is judged to be full, the deduction is made according to the donation time, and the donation is donated Donated by the donor; and when judged to be insufficient, perform one of the following: Full payment of the full amount is to get donors of the donation was not only to get the full amount of the raise, and so was unable to obtain any money donations. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,係透過網際網路通信技術提供各捐款人該等合格被捐款人於線上所公佈之資訊內容並 接收各捐款人是否進行捐款及捐款金額多寡之資訊。 For example, the online self-rewarding fundraising management method described in the first application of the patent scope provides the information content published by the donors on the online through the Internet communication technology. Receive information on whether or not each donor will make a donation and the amount of the donation. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈募款金額,以供各捐款人決定是否捐款給該被捐款人。 For example, in the online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step may further include the following steps: the donated person announces the fundraising amount online for each donor to decide whether Donate to the beneficiary. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈募款原因,以供各捐款人決定是否捐款給該被捐款人。 For example, in the online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step may further include the following steps: the donated person announces the reason for the fundraising online for each donor to decide whether Donate to the beneficiary. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈募款資訊,以供各捐款人決定是否捐款給該被捐款人。 For example, in the online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step may further include the following steps: the donated person announces the fundraising information online for each donor to decide whether Donate to the beneficiary. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈募款計畫,以供各捐款人決定是否捐款給該被捐款人。 For example, the online self-rewarding fundraising management method described in claim 1 wherein the online fundraising step further comprises the following steps: the donated person announces the fundraising plan online for the donors to decide Whether to donate to the beneficiary. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈償還、回饋或再捐款計畫,以供各捐款人決定是否捐款給該被捐款人。 The online self-rewarding fundraising management method as described in claim 1, wherein the online fundraising step further comprises the following steps: the donated person announces the repayment, feedback or re-donation plan online for the donor to provide Each donor decides whether to donate to the donor. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈償還、回饋或再捐款期限,以供各捐款人決定是否捐款給該被捐款人。 The online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step further includes the following steps: the donor announces the repayment, feedback or re-contribution period on the line for each The donor decides whether to donate to the donor. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈償還、回饋或 再捐款方式,以供各捐款人決定是否捐款給該被捐款人。 The online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step may further include the following steps: the donor announces repayment, feedback or online Re-contribution method for each donor to decide whether to donate to the donor. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人於線上公佈償還、回饋或再捐款金額,以供各捐款人決定是否捐款給該被捐款人。 For example, the online self-rewarding fundraising management method described in claim 1 may further include the following steps: the donated person announces the amount of repayment, feedback or re-contribution on the line for each The donor decides whether to donate to the donor. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:提供一可操作之安全通信網路,以允許該被捐款人與各捐款人進行推薦、說明或問答。 The online self-rewarding fundraising management method as described in claim 1, wherein the online fundraising step further comprises the steps of: providing an operable secure communication network to allow the donor and each Donors make recommendations, instructions or questions and answers. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該線上募款步驟,可進一步包含下列步驟:該被捐款人在原募款請求期間未獲得足額之捐款金額時,得進行一延長募款請求期間。 For example, in the online self-rewarding fundraising management method described in claim 1, wherein the online fundraising step may further include the following steps: when the donor does not receive the full amount of the donation during the original fundraising request period, An extended fundraising request period is required. 如申請專利範圍第12項所述之線上自主回饋式募款管理方法,其中該募款請求期間或延長募款請求期間結束後,當判斷捐款金額為不足額時,還判斷所得捐款金額是否達一定比例,當判斷為達一定比例,則使該被捐款人獲得不足額之所募金額。 For example, in the online self-rewarding fundraising management method described in claim 12, when the fundraising request period or the extended fundraising request period ends, when it is judged that the donation amount is insufficient, it is also judged whether the amount of the donated money reaches A certain percentage, when judged to be a certain percentage, allows the donor to obtain the amount of the insufficient amount. 如申請專利範圍第12項所述之線上自主回饋式募款管理方法,其中該募款請求期間或延長募款請求期間結束後,當判斷捐款金額為不足額時,還判斷所得捐款金額是否達一定比例,當判斷為達一定比例,則自管理單位補足款項使其足額。 For example, in the online self-rewarding fundraising management method described in claim 12, when the fundraising request period or the extended fundraising request period ends, when it is judged that the donation amount is insufficient, it is also judged whether the amount of the donated money reaches A certain percentage, when judged to reach a certain proportion, the self-management unit makes up the amount to make it full. 如申請專利範圍第1項或第13至14項任一項所述之線上自主回饋式募款管理方法,其中對該被捐款人另可進一步約定:需獲得規定人數之捐款人捐款,方可獲得所募得之金額。 The online self-rewarding fundraising management method according to any one of claim 1 or 13 to 14, wherein the donor may further agree that a donation of a specified number of donors is required. Obtain the amount raised. 如申請專利範圍第1項或第13至14項任一項所述之線上自主回饋式募款管理方法,其中對該被捐款人另可進一步約定:需獲得規定人數之捐款人捐款,且規定人數之捐款人皆捐款一定金額,方可獲得所募得之金額。 The online self-rewarding fundraising management method according to any one of claim 1 or 13 to 14, wherein the donor may further agree that a donation of a specified number of donors is required, and the The number of donors will donate a certain amount to get the amount raised. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中該管理伺服器若未接收到該被捐款人於約定期限內,對所得捐款進行償還、回饋或再捐款,則另包括一催收步驟,接收該管理單位之指示而對該被捐款人進行線上催收公告。 For example, in the online self-rewarding fundraising management method described in claim 1, wherein the management server does not receive the donated person to repay, repay or re-grant the donated income within the agreed time limit, Including a collection step, receiving an instruction from the management unit to make an online collection announcement for the donor. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中單一捐款人對單一被捐款人之捐款金額,可進一步限定最高上限。 For example, in the online self-rewarding fundraising management method described in item 1 of the patent application scope, the maximum amount of the donation of a single donor to a single donor may be further limited. 如申請專利範圍第1項所述之線上自主回饋式募款管理方法,其中單一捐款人對單一被捐款人之捐款金額,可進一步限定最低下限。 For example, the online self-rewarding fundraising management method described in item 1 of the patent application scope, wherein the amount of the donation of a single donor to a single donor may further define a minimum lower limit.
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