TWI498840B - Improved standard settlement method - Google Patents

Description

Improved standard settlement method

The invention belongs to the field of financial e-commerce, and in particular to a settlement method applied to a network road sign system.

The standard is a kind of direct financial lending method that is often used by the people. It has been carried out for a long time. In addition to providing another financing channel other than the traditional bank, it also has the conditions for the participants to forcibly save and obtain better deposits than the bank. In addition to the benefits of taxation, you can also strengthen the awareness of community groups and accumulate your own credit by joining the mutual aid association.

In the past, the way to mark the meeting was to start with a meeting leader, and then look for other members who want to join the mutual aid society, and then set the basic fund, the number of dates, the date of opening the bid, the use of the internal standard method or the external standard method, and the bottom. Terms such as the amount of the amount. On the opening date, all members will be convened and ranked according to the level of each member's standard. The highest bidder is the winner of this session. The remaining members are in accordance with the internal standard or external standard, and they are The members of the event or the members of the guild will each pay the amount they have paid to the winner, which is also the completion of the session.

If there is an equal amount of two or more people, then according to Articles 709-6 of the Civil Law Debt, the highest bidder will be drawn by the same amount, that is, a member of the participating club who participated in the meeting will be selected as a random book. The winner of the period. However, if no one is subscripted in a certain period, it shows that all members of the event have no financial needs in this period, so they are not willing to subscript. At this time, the winners of this period are generally selected according to the random lottery, so that the bidding will go smoothly. However, most of the private bidding committees have restrictions on the bidding, that is, the bidding standard for the members of the living club cannot be lower than a certain number. Therefore, the winner who is selected by the lottery method needs to bear that he does not want to get it in advance. The total amount of the loan will be paid to the rest of the members of the event, and the successful bidder will also face the problem of reinvestment risk or capitalization. This is urgent for the lack of capital needs and the need to use the standard as a deposit method. Members who receive high rewards are like a disguised punishment. At the same time, in the field of the Xizhi network road sign meeting, whether the winning is determined by systematic random number, there are many doubts about the fairness of the lottery, which reduces the incentives for user participation.

Therefore, how to reduce the uncertainty of the funds caused by the winning bidder to the user in the case of no bidding is a problem solved by those skilled in the art. As a result of the job, the inventor has proposed the "improved standard settlement method" in this case through efforts to develop the concept. The following is a brief description of the case.

One of the objects of the present invention is to solve the problems of the prior art.

Another object of the present invention is to provide an additional incentive for the member to participate in the bidding by using the additional temporary deposit as a incentive, thereby exempting the lack of forced borrowing by the lottery in the Xizhi network road sign system, and effectively improving the determination of the user's capital flow management. The fairness of the sexual and standard system, and the incentive to participate in the combination of the standard.

According to the concept of the present invention, a billing method is proposed, which is implemented by a processing device. The method includes the following steps: (A) causing the processing device to store a standard combination having N members; (B) causing the processing device to accept a bidding member for bidding at each session, and at the end of each session, the processing device determines whether a member has proposed the bid; (C) If a bid is made during the nth session, the processing device determines that the highest bidder is the first prize, and the member who submitted the bid is the winner of the nth session. And causing the processing device to calculate a winning standard according to the obtained target gold, and causing the processing device to send a first message for causing a current non-successful bidder to pay a current payment, and sending a second message for The winning bidder obtains the winning bid, wherein the current non-winning bidder includes a living member and a dead member, and the deceased member is a member who has previously won the bid in the bidding group, and the living member is the subject Members who have not yet won the bid in the portfolio, the current meeting will be gold Including one of the death association funds paid by the member of the death club and one of the live conference funds paid by the member; (D) if the nth session has no bidding, the processing device sends a third message. In order to enable the member of the dam to pay the current damn meeting, and send a fourth message to inform the member of the event to stop paying the current meeting at the nth session, so that the processing device calculates the nth session. The total amount of the damn meeting fund paid by the dam member is a nth session temporary deposit; and (D1) if the nth session is unsuccessful and the bidding is started until the mth meeting after the nth meeting At the time, the processing device calculates that the nth session temporary deposit is accumulated to the mth session temporary deposit gold interest generated by the mth session, and sends a fifth message for the mth session. The winning bidder obtains the current winning bid of the mth meeting period and the interest of the mth session temporary deposit.

More preferably, the method further includes the following steps: (D2) causing the processing device to send a sixth message to prompt the dam member of the mth session to stop paying the damn meeting at the mth session. .

More preferably, the processing device calculates the m-th session temporary deposit interest for the n-th session temporary deposit by a predetermined interest rate.

More preferably, the method of marking further comprises the following steps: (E1) if the nth session is unbid, and the k period after the nth session is unbid, the processing device calculates the first n The temporary deposit of the session is accumulated to one of the k-session temporary deposits of interest generated during the k-th session, and a clearing interest is calculated based on the k-session temporary deposit interest, wherein the clearing interest is the kth The duration of the temporary deposit of gold is divided by the number of members of the club that is combined with the club at the kth session; and (E2) the processing device sends a seventh message to enable the member of the event at the kth session. The clearing interest.

More preferably, the method further includes the following steps: (F1) causing the processing device to send an eighth message for each session after the kth session to make each meeting after the kth session The member of the damn club pays the damn meeting and calculates a liquidation fee, wherein the liquidation fee is the sum of the damn meeting money divided by the number of the members of the meeting; and (E2) the processing device A ninth message is sent for each session after the kth session to enable the member of the event for each session after the kth session to obtain the clearing fee.

More preferably, the current meeting amount is the actual amount paid by each member in the current period. The current meeting amount is a basic meeting fee, the basic meeting fee plus one standard gold, and the basic meeting fee minus one standard amount. In one of them, the basic payment is a predetermined payment amount for each member who does not bear interest in each period; the current winning amount is the sum of the current payment of all the current non-winning bidders.

More preferably, the amount of the event will be gold, the dam will be gold, and the amount of the current bid will be determined by the following formula 1:

An=(U-In)*(Nn)+U*(n-1)...Formula 1;
Among them, An indicates the amount of the current bid, U indicates the basic amount of money, N indicates the number of members, n indicates the number of current periods, and In indicates the amount of the bid proposed by the current bidder, the current session will be gold. The amount is U-In, and the amount of the current death will be U. The current session will be the current payment for the current member. The current meeting will be the current meeting. The current dues payable by the member.

More preferably, the amount of the event will be gold, the damn meeting will be gold, and the amount of the current standard prize will be determined by the following formula 2:

Equation 2;
Among them, An indicates the amount of the current bid, U indicates the basic amount of money, N indicates the number of members, n indicates the number of current periods, and In indicates the amount of the bid proposed by the current bidder, the current session will be gold. The amount is U, and the amount of the current death will be U+In, where the current session will be the current amount of the current membership fee, and the current death will be the current death. The current dues payable by the member.

In accordance with the teachings of the present invention, a computer readable medium loaded with a program is provided which, when executed by a processing device, performs the steps as described above.

In accordance with the teachings of the present invention, a computer program product for storing a program is provided which, when loaded and executed by a processing device, performs the steps as described above.

The invention will be more fully understood from the following examples and illustrations.

no

1 is a schematic flow chart of an embodiment of a standard settlement method of the present invention;
FIG. 2 is a schematic diagram of the flow of funds of an embodiment of the standard settlement method of the present invention.

The present invention is not limited by the embodiment, and the embodiment of the present invention is not intended to limit the invention to any specific environment, application or special mode as described in the embodiments. Therefore, the description of the embodiments is merely illustrative of the invention and is not intended to limit the invention. It should be noted that in the following embodiments and drawings, elements that are not directly related to the present invention have been omitted and are not shown, and the dimensional relationships between the elements in the drawings are merely for ease of understanding and are not intended to limit the actual ratio.

Before referring to the illustration of the present invention, the similarities and differences between the innovative network road sign system and the traditional folk standard meeting of the online direct financial method of the present invention will be described in detail. The purpose of the standard combination used in the present invention is to satisfy the mutual financing needs of members in a group, and to determine the fund ownership relationship by bidding by means of competitive bidding members. During the effective period of the session, each period will be opened once, in order to obtain the highest bidder and obtain the bid. Since each member has only one chance to win the bid, once the member wins the bid, he will lose the qualification for the next period. If the bidder fails, the next bid will be retained. For the first period and the last period, it must be further explained that the standard combination system of the present invention adopts no first system, and the system bears the responsibility of the standard operation and the member's breach of contract. Therefore, it is of course different from the first session of the private exhibition. In the first phase, all members can bid; as for the last issue, although the bid is still nominal, there is only one bidder, so there is actually no bidding in the last period.

In the fund payment relationship, the funds of the standard combination are all from the mutual exchange of members, so the fund payment is a zero-sum relationship. The successful bidder will have the right to obtain funds from other members (including unsuccessful bidders and those who have already won the bid); as for the unsuccessful bidder and the winners, they are obliged to pay the winning bidders. The difference is that the unsuccessful bidders can influence the future payment amount by bidding in the future period, and the winners must repay the previously earned funds in installment payment mode.

Those who have not obtained the bid, have obtained the bid and the bidder in the current period, and the method of calculating the funds receivable shall be divided into two modes: internal standard and external standard. The non-winning members of the current period include a living member and a dead member. The member of the meeting refers to the member who has not been marked in the combination of the club. The member of the club has previously been marked in the group. For the member, the winning bid obtained by the winning member is the sum of the actual payment of all the non-winning members of the current membership and the deceased member, or the sum minus one service fee.

Among them, the bidding condition is a standard amount of gold. For the combination of the standard of an internal standard mode, the actual payment of the member of the event is the basic amount of the fund minus the amount of the standard amount proposed by the winning member, and the actual payment of the member of the party is the basic meeting. For the standard combination of an external standard, the actual payment of the membership member is the basic payment, and the actual payment of the member of the dam will be the basic contribution plus the amount of the previous member’s previous bid. Amount.

Generally speaking, when someone bids for bidding, and no one draws the bid in the previous period, the bids are not awarded, the bids have been won, and the current bidders are required to receive the funds. The formula for the amount payment is as follows:

1. The amount that can be obtained by the winner in the current period:

(1) Internal standard system: An=(U-In)x(Nn)+Ux(n-1)......(Formula 1);
(2) External standard system: ... (Formula 2);

2. The amount to be paid without the winner:
(1) Internal standard system: U-In;
(2) External standard system: U;

3. The amount that must be paid by the winner in the previous period:
(1) Internal standard system: U;
(2) External standard system: U+In;

among them:
A _n is the total amount of the winning bidder in the first period;
U is the bid limit (basic cash);
N is the total number of periods of the standard combination;
n is the current period, and n is less than or equal to N;
I _n is the winning standard for the winning member in the nth period; and I _i is the standard for the i-term of the external standard member, and i is less than n;
The above payment amount calculation is only a basic calculation formula, and the system service fee has not been taken into account.

Next, please refer to FIG. 1 , which is a schematic flowchart of an embodiment of the standard settlement method of the present invention. In FIG. 1 , a standard system receives a user application to join a standard combination by a processing device (eg, a server), and stores the target combination in a database (step 201), the combination of the target With N members, the total number of sessions is the same as the number of people in the group. The processing device accepts a bidding bid for the member who has the bidding right at each session, and the highest bidder is the one who won the bid in the current period, and the other members are the non-winning bidders in the current period. Non-winning bidders include a member who is a member of the club and a member of the club who has not yet been marked. The member of the club has previously been marked in the group. For members, the current meeting fee includes one of the death meeting funds paid by the member of the death club and one of the live meeting funds paid by the member of the event.

When the mth session ends, the processing device determines whether a member has raised the bid (step 202), and if the member proposes the bid, the processing device determines that the highest bid is the current bidder (step 203). And the processing device calculates a current bid based on the highest bid, and sends a first message to enable the current non-successor to pay the current payment (step 204), and send a second message for The current bidder obtains a current bidder (step 205), wherein the current bid is the sum of the current non-winners paying the current period, and the current session includes the current session. And the current death meeting will be gold, the current session will be the current payment of the membership of the current member of the event, the current death will be the current payment of the current meeting of the member of the meeting . Thereafter, the next session is entered, and n=n+1 is obtained (step 206).

If the processing device determines that no member has proposed the bid at the end of the nth session, it determines that the bid combination has entered a suspension period, and causes the processing device to send a third message requesting the deceased member to pay the current death meeting ( Step 213) and sending a fourth message to prompt the member member to stop paying the current session payment (step 214) during the nth session, and the processing device calculates and pays for all the members of the nth session. The sum of the current death meeting will be the nth session temporary deposit (step 215).

Thereafter, the processing device continues to determine whether there is a member to submit a bid in each subsequent session (step 216), and if no member proposes the bid, repeat steps 213 to 215, if the nth session ends to the mth session (m=n+i) When a member proposes a bid, the suspension period ends, and the processing device judges that the highest bid is the winner of the m period, and the processing device calculates the m according to the highest bid. The qualifying gold (the current qualifying gold for the mth session is the sum of the live meeting money of the mth session and the sum of the dead meeting meeting of the nth session), and the processing device calculates the number at a specific interest rate. n a period of temporary deposit of money to one of the interest generated by the mth session, and then a fifth message is sent to enable the mth session to obtain the current qualifying amount of the mth session and The nth session temporary deposit is paid to one of the interest generated by the mth session (step 217), and a sixth message is sent to prompt the dam member of the mth session to stop paying at the mth session. The damn meeting will be gold.

Next, a further embodiment of the present invention will be described in detail with reference to a hypothetical situation to further understand the implementation of the standard settlement system of the present invention. Please refer to FIG. 2, which is a fund for an embodiment of the standard settlement method of the present invention. Flow diagram. In the second picture, there is a total period of 13 periods, the basic meeting amount is 10,000 yuan, and the minimum bid amount is 300 yuan. This standard combination adopts the internal standard system, that is, the combination of the interest payment in advance.

In the first month of the first month, the A member bid is awarded the highest bid of 550, and according to the above formula 1, the server calculates the standard gold as A1=(10000-550)*(13-1 ) = 113,400 yuan, calculate the current non-standard members of the current period to pay the current session will be (10000-550) = 9450 yuan.

By the second month of the second session, the B member's bid is awarded the highest bid of 530, and the server calculates the second prize: A2=(10000-530)*(13-2)+ 10000*(2-1)=114170 yuan, calculate the current session membership fee to be paid by the members of the current session (10000-530)=9470 yuan, and the A member who won the first session will be the current death party. Members, the amount of money required to be paid in the current period will be 10,000 yuan, so the current standard will be provided by the sum of the current session and the current death.

By the third month, the third session, the C member bid is the highest bid 510 to win the bid, the server calculates the third prize is A3 = (10000-510) * (13-3) + 10000*(3-1)=114900 yuan, calculate the current session membership fee to be paid by the members of the current event (10000-510)=9490 yuan, and the A and B members who won the first and second sessions are In the current period, the members of the current meeting will pay the amount of RMB 10,000 for the current meeting.

By the 4th month of the 4th session, the D member's bid is awarded the highest bid of 500, and the server calculates the 4th winning bid is A4=(10000-500)*(13-4)+ 10000*(4-1)=115500 yuan, calculate the current session of the members of the current event will be paid (10000-500) = 9500 yuan, the first to third session of the winning A, B, C The member is a member of the current dead party. The amount of the current death meeting will be 10,000 yuan.

When the bidding combination is carried out until the 5th month, each member has no urgent need for funds. Therefore, the server does not receive any member's bid until the closing time. The server will recognize the 5th month as the stop meeting. During the period, the server sends a message requesting that the current members A, B, C, and D pay the current death meeting (please refer to Figure 1, step 213), and send another message indicating that the combination has not yet been The winning member (ie, the member of the event) will stop paying the current session fee (Figure 1, step 214) during the 5th session, and the server will calculate the current period paid by all the members of the 5th session. The sum of the death meeting will be 10000*4=40000, which is the 5th session temporary deposit (Fig. 1, step 215). The temporary deposit will be deposited into the platform cooperation bank to generate the suffocation.

The standard combination will not be received by the server until the 6th and 7th month of the closing time. The server will recognize the 6th and 7th months as the suspension period, and the server will send a message request. Members of the current death club A, B, C, and D respectively pay the current death meeting, and send another message to inform the members of the standard combination that have not yet won the bid (ie, the living members) to stop paying at the 6th session. The current session will be funded, and the server will calculate the total amount of the current death meeting payment for all the members of the 6th and 7th sessions, which is 10000*4=40000, that is, the 6th and 7th session temporary deposits. The temporary deposit is deposited in the platform cooperation bank to generate suffocation.

The bidding combination will be carried out until the 8th month of the closing time. Since the temporary deposit of the previous suspension period has accumulated a huge amount of suffocation, other unsuccessful members still bid for the bid even if there is no immediate funding demand. After the server compares the standard gold, the E-member's bid 480 is the highest bid, and the server calculates the 8th bid: A8=(10000-500)*(13-8)+10000 *(8-1)=116160 yuan. Calculate the current session amount of the event for the 8th session member (10000-480)=9520 yuan. The server sends a message to remind the pre-existing death. Members of the Association (A, B, C, and D members) will stop paying the current dues during the 8th session (please refer to Figure 1, step 218). The 8th issue will be the 5th temporary deposit. In addition, the 8th live event will be provided by Kim Hee. In addition, the server will be based on a deposit interest rate (can be determined at the bank's official interest rate or pre-determined by the combination of the standard, here 1% per month) Calculate the interest on the temporary deposit as 4000*1%*3月=120 (Fig. 2, CASE1). At this time, the winner of the 8th session (E member) will receive the current prize of 116160 in the 8th session. In addition, 5 can then be made of one of gold temporary scratch generated interest on 120 yuan to the eighth session, it can obtain a total of 116,160 members E + 120 = 116,280 yuan.

The bidding combination will be carried out until the 9th month of the closing time. The server receives the bidding of other unsuccessful members. After the server compares the bids, the F member's bidding price of 450 is the highest bid. Winning the bid, the server calculates the 9th winning bid for A9=(10000-450)*(13-9)+10000*(9-1)=116850 yuan, the server calculates the 9th session member to pay The current session will be gold (10000-450) = 9550 yuan, the server sends a message to remind the suspended members (A, B, C, D members) who have won the pre-session period at the 9th session. Stop paying the current death meeting, and the 9th winnings will be provided for the 6th temporary deposit plus the sum of the 9th live event. In addition, the server will be based on a deposit interest rate. The bank's public interest rate may be determined in advance by the combination of the standard. In this case, the 1% of the monthly profit is taken as an example. The interest on the temporary deposit is calculated as 4000*1%*3 month=120, and the winner of the 9th session (F) In addition to obtaining the current qualifying amount of 116,850 yuan for the 9th session, members can also obtain a temporary deposit of 120 yuan for the 6th session temporary deposit in the 9th session. Can get 116850+120= 116,970 yuan.

In the same way, the combination of the standard will be carried out until the 10th month of the closing time, and the server will also receive the bidding of other unsuccessful members. After the server compares the standard gold, the bid of the G member is 430. For the highest standard bid, the server calculates the 10th winning standard as A10=(10000-430)*(13-10)+10000*(10-1)=117420 yuan, and the server calculates the 10th event. The current membership fee to be paid by the member is (10000-430) = 9570 yuan. The server sends a message to prompt the suspension of the deceased members (A, B, C, D members) who have won the bid before the meeting. The 10th session will stop paying the current death meeting, and the 10th qualifying fund will be provided for the 7th temporary deposit plus the 10th live event, and the server will also be based on a deposit rate. (At the time, the bank's public interest rate or the combination of the standard will be pre-determined. Here, the monthly interest rate is 1%.) The calculation of the temporary deposit interest is 4000*1%*3 month=120, at this time, the 10th session will be The bidder (G member) can obtain the temporary deposit of 120 yuan from the temporary deposit of the 7th session, in addition to the current amount of 117,420 yuan in the 10th session. Therefore, G will To obtain a total of 117420 + 120 = 117540 yuan.

As can be seen from the above description, since the successful bidder after the suspension of the session can obtain the original current bonus for the current period, it can also obtain the temporary deposit of the bank deposit in the previous suspension period, which is undoubtedly increased by the member. The incentives for the target are also exempted from the uncertainty of the winners by lottery when the unidentified bids are unsubscribed, so that members participating in the bidding group are more likely to manage the flow of funds.

Going back to the previous example, when the standard combination is carried out until the 11th month, since the previously accumulated suspension period deposit and interest have been eliminated, the normal session mode is returned, that is, the current period of each period is The standard amount is provided by the sum of the current live event and the current death meeting, and the number of total sessions of the standard combination is increased due to the addition of three suspensions in the middle. The three sessions are 16 sessions, and the total duration of the original standard combination is extended from 13 months to 16 months.

More preferably, in order to further increase the index incentives after the suspension period, the number of periods of the suspension period is shortened. In another embodiment, the server may also set the temporary interest of all the suspension periods to be suspended. The first successful bidder obtained after the period (see Figure 2, CASE2), that is, in the case of CASE2, the winner of the 8th session (E member) won the bid of the current period of the 8th session, 116160 In addition, the temporary deposit of the 5th to 7th session of the temporary deposit will be 4000*1%* (March + February + January) = 240 yuan. E members can get 116160+240=116400 yuan.

More preferably, the system can preset a predetermined number of periods r. When the continuous r period is unmanned, the combination will enter a dissolving and clearing process, so that the remaining members of the group can join other standard combinations. In order to increase the efficiency of the fund flow of the system platform, the temporary deposit of interest due to the suspension of the session will be divided equally by the remaining members at the beginning of the dissolution and liquidation process, and the members of the meeting will be followed by the members of the meeting. During each session (clearing session), it is still necessary to continue to pay the death meeting fee until the end of the meeting, and the sum of the death meeting of each settlement will be divided equally among the remaining members.

For example, if there is no bidding during the nth period, and no one will bid until the kth period after the nth session, that is, continuous r=k-n+1 period unmanned bidding, enter a dissolving clearing procedure, processing device Calculate the accumulative amount of the nth session temporary deposit to the kth session, and calculate the interest of the kth session, and calculate the interest for the kth session as the temporary interest of the kth session divided by the remaining life of the kth session. The number of members will be followed by a seventh message to enable all members of the event to obtain the clearing interest.

The processing device sends an eighth message at each session after the start of the dissolution and clearing process to request the death club member of the standard combination to pay the death meeting, and calculate a liquidation meeting for each meeting. The sum of the gold will be divided by the remaining number of members of the event, and a ninth message will be sent to enable the members of the club to obtain the clearing fee. At this time, due to the suspension period of the unannounced period of the r period, the period of the standard meeting will be postponed to the end of the r period, where r can be a specific proportion of the total number of sessions.

By dissolving the liquidation procedure triggered by this specific condition, the combination of the bidding willingness and the willingness to borrow will be disbanded, and the members of the event can combine the funds and put the funds into other borrowing intentions. The combination of the standard will prevent the group from delaying for a long time, and let the members of the event freely choose the bid to obtain funds or settle the exit, thereby enhancing the activation of the platform and improving the efficiency of the overall platform.

In summary, the present invention provides a reasonable and feasible standard settlement method, further improves the mechanism of the traditional standard combination settlement, introduces a mechanism for suspending the meeting period and the liquidation meeting period in the standard combination, and improves the winning in the traditional standard meeting mode. Members need to force the appearance of absenteeism and the lack of forced borrowing. Members can use the accumulated temporary deposit as the incentive after the suspension period, decide whether to bid or not, or settle the profit by dissolving the liquidation procedure. Appearance, effectively solve the problem of uncertainty arising from the lottery system in the operation of the standard, and improve the fairness and acceptance of the standard system itself.

Therefore, the present invention does provide a fair combination bidding mechanism. This mechanism is unbiased for any member, and there is no doubt about the uncertainty and fairness derived from the lottery. The management of the user's own capital flow is more reliable and clear. Therefore, it is difficult to innovate the design to activate the capital trading market and enhance its industrial value.

The embodiments described above are only intended to illustrate the embodiments of the present invention, and to explain the technical features of the present invention, and are not intended to limit the scope of protection of the present invention. Any changes or equivalents that can be easily made by those skilled in the art are within the scope of the invention. The scope of the invention should be determined by the scope of the claims.

Claims (10)

A standard settlement method is implemented by a processing device, the method comprising the following steps:
(A) having the processing device store a standard combination having N members;
(B) causing the processing device to accept a bidding member for bidding at each session, and at the end of each session, the processing device determines whether a member has proposed the bid;
(C) If a bid is made during the nth session, the processing device determines that the highest bidder is the one of the nth session, and the member who submitted the bid is one of the nth sessions. The winning bidder causes the processing device to calculate a winning bid based on the winning bid, so that the processing device sends a first message for a current non-successor to pay a current payment, and send a second The message is used to enable the successful bidder to obtain the winning bid, wherein the current non-winning bidder includes a living member and a dead member, and the deceased member is a member who has previously won the bid in the bidding group, and the member of the club For the members of the standard combination that have not yet been awarded, the current meeting fee includes one of the death meeting funds paid by the member of the death club and one of the live meeting funds paid by the member of the event;
(D) if the nth session is unsuccessful, the processing device sends a third message for the dam member to pay the current damn meeting fee, and sends a fourth message to inform the member of the event n will stop paying the current session money, so that the processing device calculates the sum of the damn meeting funds paid by the damn member in the nth session is a nth session temporary deposit; and (D1) if The nth session is unscheduled and until the beginning of the nth session, when a bid is started, the processing device calculates the accumulation of the nth session temporary deposit to one of the mth session. m will temporarily deposit the gold interest, and send a fifth message to enable the winner of the m-th session to obtain the current qualifying amount of the m-th session and the m-th session temporary deposit interest. For example, the method of settlement of the standard of the first application of the patent scope, such as the method of applying for the scope of patent application, includes the following steps:
(D2) causing the processing device to send a sixth message to prompt the dam member of the mth session to stop paying the damn meeting money during the mth session. For example, in the standard settlement method of claim 1, wherein the processing device calculates the interest of the mth session temporary deposit by multiplying the temporary deposit of the nth session by a predetermined interest rate. For example, the method of settlement of the standard for the application of patent scope 1 includes the following steps:
(E1) If the nth session is unsuccessful and the k period after the nth session is unsuccessful, the processing device calculates the accumulation of the nth session temporary deposit to the kth session. Generating one of the k-session temporary deposit interest, and calculating a liquidation interest based on the k-session temporary deposit interest, wherein the liquidation interest is the k-session temporary deposit interest divided by the standard combination k The number of members of the event; and (E2) the processing device to send a seventh message to enable the member of the kth session to obtain the clearing interest. For example, the method of settlement of the standard for the application of patent scope 4 includes the following steps:
(F1) causing the processing device to send an eighth message for each session after the kth session to cause the damn member of each session after the kth session to pay the damn meeting fee and calculate one a liquidation fund in which the liquidation fee is the sum of the sum of the damn meeting funds divided by the number of members of the event; and (F2) the processing device is sent one at each session after the kth meeting The ninth message is to obtain the liquidation fee for the member of the event for each session after the kth meeting. For example, the method of settlement of the standard for the first paragraph of the patent application, wherein the current meeting amount is the actual payment amount of each member in the current period, the current meeting amount is a basic meeting fund, the basic meeting fee plus a standard gold, the The basic membership fee is one of the three or more of the above-mentioned gold, and the basic membership fee is a predetermined payment amount for each member who does not bear interest; the current winning amount is paid by all the non-winners in the current period. The current sum will be the sum of gold. For example, in the standard settlement method of claim 6 of the patent scope, the amount of the event, the amount of the gold, and the amount of the current standard shall be determined by the following formula 1:

An=(U-In)*(Nn)+U*(n-1) ......Formula 1;
Among them, An indicates the amount of the current bid, U indicates the basic amount of money, N indicates the number of members, n indicates the number of current periods, and In indicates the amount of the bid proposed by the current bidder, the current session will be gold. The amount is U-In, and the amount of the current death will be U. The current session will be the current payment for the current member. The current meeting will be the current meeting. The current dues payable by the member. For example, in the standard settlement method of claim 7 of the patent scope, the amount of the event, the amount of the gold, and the amount of the current standard shall be determined by the following formula 2:

Equation 2;
Among them, An indicates the amount of the current bid, U indicates the basic amount of money, N indicates the number of members, n indicates the number of current periods, and In indicates the amount of the bid proposed by the current bidder, the current session will be gold. The amount is U, and the amount of the current death will be U+In, where the current session will be the current amount of the current membership fee, and the current death will be the current death. The current dues payable by the member. A computer readable medium loaded with a program, and when a processing device executes the program, the steps as recited in claim 1 can be performed. A computer program product for storing a program, which can be executed as described in claim 1 after a processing device loads and executes the program.