TWI703525B - Trading market financial cloud processing system - Google Patents

Trading market financial cloud processing system Download PDF

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TWI703525B
TWI703525B TW107115795A TW107115795A TWI703525B TW I703525 B TWI703525 B TW I703525B TW 107115795 A TW107115795 A TW 107115795A TW 107115795 A TW107115795 A TW 107115795A TW I703525 B TWI703525 B TW I703525B
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transaction
payment
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supplier
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TW201947488A (en
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張立群
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彰化商業銀行股份有限公司
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Abstract

A trading market financial cloud processing system includes a trading market trading server, a supplier trading device, and a buyer trading device. The trading market trading server provides suppliers and buyers to trade in the trading market, the supplier trading device is connected to the trading market trading server for the suppliers to check pending payments, and the buyer trading device is connected to the trading market trading server to allow the buyers making payment transactions.

Description

交易市場金融互助雲端處理系統 Financial mutual assistance cloud processing system for trading market

本發明係有關於一種交易市場處理系統。特別是有關於一種交易市場金融互助雲端處理系統。 The invention relates to a transaction market processing system. In particular, it relates to a cloud processing system for mutual financial assistance in trading markets.

隨著科技日益的進步,電腦工業也日益的發達,各行各業均能快速地利用電腦與網路進行交易與匯款。此外,由於網路的日益發達,且國內銀行的日益普及,銀行的營運模式也逐漸地在改變,單倚靠存放款或者匯兌業務,賺取利差與匯差已不能滿足消費者的需求,故各家銀行均不卯足全力,希望能拓展業務,增加獲利。 With the increasing advancement of science and technology, the computer industry is also becoming more and more developed. All walks of life can quickly use computers and the Internet to conduct transactions and remittances. In addition, due to the increasing development of the Internet and the increasing popularity of domestic banks, the operating model of banks is gradually changing. Relying solely on deposits or exchange business, earning interest and exchange differences cannot meet the needs of consumers, so The banks are not doing their best, hoping to expand their business and increase profits.

以新的金融商品來吸引顧客上門,然後用好的服務深深地綁住客戶忠誠度,競爭環境的轉變促使銀行的營運思維更加的客戶導向。傳統市場的交易,常常是採取現金的方式進行,以往在傳統的交易市場,每個承銷商需要提領大量的現金,以進行商品的交易。 New financial products are used to attract customers to the door, and then good services are used to deeply bind customer loyalty. The change in the competitive environment has prompted banks to become more customer-oriented in their operational thinking. Traditional market transactions are often carried out in cash. In the past, in the traditional transaction market, each underwriter needed to withdraw a large amount of cash to conduct commodity transactions.

隨著時代漸漸的進步,各式各樣的付款方式應運而生,然而,如何能夠協助交易客戶取得所需的資金以及確保相關的交易安全,將有助於整體交易市場安全性與穩定性的提 升。 With the gradual progress of the times, various payment methods have emerged. However, how to help transaction customers obtain the required funds and ensure related transaction security will help the overall transaction market security and stability Promote.

有鑒於此,本發明揭露一種交易市場金融互助雲端處理系統,可以方便地協助上游供應商資金周轉,且同時增加收付款的便捷性與安全性,以方便買家與供應商經由交易市場進行交易。 In view of this, the present invention discloses a transaction market financial mutual assistance cloud processing system, which can facilitate the capital turnover of upstream suppliers, and at the same time increase the convenience and security of collection and payment, so as to facilitate buyers and suppliers to trade through the trading market .

根據本發明所揭露之一實施方式,是有關於一種交易市場金融互助雲端處理系統,包含有一交易市場交易伺服器、一供應商交易裝置以及一買方交易裝置。 According to an embodiment disclosed in the present invention, it relates to a cloud processing system for mutual financial assistance in trading markets, which includes a trading market transaction server, a supplier trading device, and a buyer trading device.

交易市場交易伺服器用以提供至少一供應商以及至少一買方在一交易市場進行交易,供應商交易裝置連接於交易市場交易伺服器,以供至少一供應商查詢至少一待收款項,而買方交易裝置連接於交易市場交易伺服器,以供至少一買方進行交易付款。其中,交易市場交易伺服器申請一授信額度,以供至少一供應商,經由供應商交易裝置,依授權分配比例,進行動撥。 The trading market transaction server is used to provide at least one supplier and at least one buyer to conduct transactions in a trading market, and the supplier transaction device is connected to the trading market transaction server for at least one supplier to query at least one pending payment, and The buyer transaction device is connected to the transaction server of the market for at least one buyer to make transaction payment. Wherein, the transaction server of the trading market applies for a credit line for at least one supplier to transfer through the supplier's trading device according to the authorized allocation ratio.

交易市場金融互助雲端處理系統更包含有一銀行帳務主機,連接於交易市場交易伺服器,以記錄授信額度以及供應商交易裝置對應的授權分配比例。 The trading market financial mutual assistance cloud processing system further includes a bank account host connected to the trading market transaction server to record the credit line and the authorized allocation ratio corresponding to the supplier's trading device.

在一實施例中,供應商交易裝置包含有一登入模組以及一代收款項查詢模組。登入模組用以供供應商,依交易市場交易伺服器分配之對應登入權限進行登入,而代收款項查詢模組連接於登入模組,提供供應商根據對應登入權限,查詢待收款項。 In one embodiment, the supplier transaction device includes a login module and a generation payment inquiry module. The login module is used for suppliers to log in according to the corresponding login authority assigned by the trading server of the trading market, and the collection payment query module is connected to the login module to provide the supplier with the corresponding login authority to query pending payments.

在一實施例中,供應商交易裝置更包含有一授信款項動撥模組連接於代收款項查詢模組,以依對應的授權分配比例線上動撥授信額度。 In one embodiment, the supplier transaction device further includes a credit payment transfer module connected to the collection payment query module to dial the credit line online according to the corresponding authorized allocation ratio.

在一實施例中,交易市場交易伺服器包含一授信額度申請模組以及一授信額度分配模組。授信額度申請模組用以進行授信額度的申請,而授信額度分配模組連接於授信額度申請模組,用以設定每一供應商交易裝置對應的授權分配比例。 In one embodiment, the trading market transaction server includes a credit line application module and a credit line allocation module. The credit line application module is used to apply for the credit line, and the credit line allocation module is connected to the credit line application module to set the authorization allocation ratio corresponding to each supplier's transaction device.

在一實施例中,交易市場交易伺服器更包含有一代收業務申請模組以及一繳款資訊產生模組。代收業務申請模組連接於授信額度分配模組,以向銀行帳務主機申請一代收業務,而繳款資訊產生模組連接於代收業務申請模組,用以產生一繳款資訊。 In one embodiment, the trading market transaction server further includes a generation collection service application module and a payment information generation module. The collection service application module is connected to the credit line allocation module to apply for a generation collection service from the bank account host, and the payment information generation module is connected to the collection service application module to generate a payment information.

在一實施例中,買方交易裝置包含有一APP付款模組以及一WEB付款模組連接於該APP付款模組,用以供買方選擇經由APP付款模組或WEB付款模組,進行交易付款。 In one embodiment, the buyer transaction device includes an APP payment module and a WEB payment module connected to the APP payment module for the buyer to choose between the APP payment module or the WEB payment module for transaction payment.

買方交易裝置更包含有一信用卡付款模組連接於WEB付款模組,用以供買方選擇經由一信用卡,進行交易付款。 The buyer transaction device further includes a credit card payment module connected to the WEB payment module for the buyer to choose to make transaction payment via a credit card.

在一實施例中,銀行帳務主機包含一授信額度核准模組以及一授信額度分配記錄模組。授信額度核准模組用以核准授信額度申請模組的授信額度的申請,而授信額度分配記錄模組連接於授信額度核准模組,用以記錄供應商交易裝置對 應的授權分配比例。 In one embodiment, the bank account host includes a credit line approval module and a credit line allocation record module. The credit line approval module is used to approve the credit line application of the credit line application module, and the credit line allocation record module is connected to the credit line approval module to record the supplier transaction device pair The proportion of authorized allocation.

在一實施例中,銀行帳務主機更包含有一代收業務處理模組連接於授信額度分配記錄模組,以處理代收業務申請模組所申請的代收業務。 In one embodiment, the bank account host further includes a generation collection service processing module connected to the credit line allocation recording module to process the collection service applied by the collection service application module.

綜上所述,本發明之一實施例所揭露之交易市場金融互助雲端處理系統,可以方便供應商及買家在交易市場中,進行交易。當交易市場採用申請授信額度的方式時,更能方便地協助供應商及買家取得周轉的資金,有利於交易市場的運作。In summary, the transaction market financial mutual assistance cloud processing system disclosed in one embodiment of the present invention can facilitate suppliers and buyers to conduct transactions in the transaction market. When the trading market adopts the method of applying for a credit line, it is more convenient to assist suppliers and buyers to obtain working capital, which is conducive to the operation of the trading market.

100‧‧‧交易市場金融互助雲端處理系統 100‧‧‧Transaction Market Financial Mutual Assistance Cloud Processing System

110‧‧‧供應商交易裝置 110‧‧‧Supplier transaction device

112‧‧‧登入模組 112‧‧‧Login Module

114‧‧‧代收款項查詢模組 114‧‧‧Receiving Payment Query Module

116‧‧‧授信款項動撥模組 116‧‧‧Credit Payment Transfer Module

118‧‧‧群組討論模組 118‧‧‧Group Discussion Module

120‧‧‧交易市場交易伺服器 120‧‧‧Exchange Market Transaction Server

121‧‧‧授信額度申請模組 121‧‧‧Credit Line Application Module

122‧‧‧授信額度分配模組 122‧‧‧Credit line allocation module

123‧‧‧代收業務申請模組 123‧‧‧Receiving Service Application Module

124‧‧‧繳款資訊產生模組 124‧‧‧Payment information generation module

125‧‧‧群組討論模組 125‧‧‧Group Discussion Module

130‧‧‧買方交易裝置 130‧‧‧Buyer transaction device

132‧‧‧登入模組 132‧‧‧Login Module

133‧‧‧APP付款模組 133‧‧‧APP payment module

134‧‧‧代收款項查詢模組 134‧‧‧Inquiry Module of Collection Payment

135‧‧‧WEB付款模組 135‧‧‧WEB payment module

136‧‧‧授信款項動撥模組 136‧‧‧Credit Payment Transfer Module

137‧‧‧信用卡付款模組 137‧‧‧Credit Card Payment Module

138‧‧‧群組討論模組 138‧‧‧Group Discussion Module

140‧‧‧銀行帳務主機 140‧‧‧Bank Account Host

142‧‧‧授信額度核准模組 142‧‧‧Credit line approval module

144‧‧‧授信額度分配記錄模組 144‧‧‧Credit line allocation record module

146‧‧‧代收業務處理模組 146‧‧‧Receiving business processing module

為讓本揭露之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下:第1圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之示意圖。 In order to make the above and other objectives, features, advantages and embodiments of the present disclosure more obvious and understandable, the description of the accompanying drawings is as follows: Figure 1 is a financial mutual assistance cloud for trading markets according to an embodiment of the present invention. Schematic diagram of the processing system.

第2圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之供應商交易裝置的示意圖。 FIG. 2 is a schematic diagram of a supplier transaction device of a cloud processing system for financial mutual assistance in a trading market according to an embodiment of the present invention.

第3圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之交易市場交易伺服器的示意圖。 FIG. 3 is a schematic diagram of a transaction market transaction server of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention.

第4圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之買方交易裝置的示意圖。 FIG. 4 is a schematic diagram of a buyer transaction device of a cloud processing system for financial mutual assistance in a trading market according to an embodiment of the present invention.

第5圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之銀行帳務主機的示意圖。Figure 5 is a schematic diagram of a bank account host of a cloud processing system for mutual financial assistance in trading markets according to an embodiment of the present invention.

下文係舉實施例配合所附圖式進行詳細說明,但所提供之實施例並非用以限制本揭露所涵蓋的範圍,而結構運作之描述非用以限制其執行之順序,任何由元件重新組合之結構,所產生具有均等功效的裝置,皆為本揭露所涵蓋的範圍。另外,圖式僅以說明為目的,並未依照原尺寸作圖。為使便於理解,下述說明中相同元件或相似元件將以相同之符號標示來說明。 The following is a detailed description of the embodiments with the accompanying drawings, but the provided embodiments are not used to limit the scope of the disclosure, and the description of the structure operation is not used to limit the order of its execution, any recombination of components The structure and the devices produced with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

另外,在全篇說明書與申請專利範圍所使用之用詞(terms),除有特別註明外,通常具有每個用詞使用在此領域中、在此揭露之內容中與特殊內容中的平常意義。某些用以描述本揭露之用詞將於下或在此說明書的別處討論,以提供本領域技術人員在有關本揭露之描述上額外的引導。 In addition, the terms (terms) used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each term used in this field, in the content disclosed here, and in the special content . Some terms used to describe the present disclosure will be discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance on the description of the present disclosure.

關於本文中所使用之『第一』、『第二』、...等,並非特別指稱次序或順位的意思,亦非用以限定本發明,其僅僅是為了區別以相同技術用語描述的元件或操作而已。 Regarding the "first", "second", ... etc. used in this text, they do not specifically refer to the order or sequence, nor are they used to limit the present invention. They are only used to distinguish elements described in the same technical terms. Or operation only.

其次,在本文中所使用的用詞『包含』、『包括』、『具有』、『含有』等等,均為開放性的用語,即意指包含但不限於。 Secondly, the terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

參閱第1圖至第5圖,第1圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之示意圖,而第2圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之供應商交易裝置的示意圖,第3圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之 交易市場交易伺服器的示意圖,第4圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之買方交易裝置的示意圖,以及第5圖是依照本發明一實施例所繪示的一種交易市場金融互助雲端處理系統之銀行帳務主機的示意圖。 Referring to Figures 1 to 5, Figure 1 is a schematic diagram of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention, and Figure 2 is a diagram according to an embodiment of the present invention. A schematic diagram of a supplier transaction device of a trading market financial mutual assistance cloud processing system. Figure 3 is a schematic diagram of a trading market transaction server of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention. Figure 4 is A schematic diagram of a buyer's transaction device of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention, and FIG. 5 is a bank of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention Schematic diagram of the accounting host.

如圖所示,交易市場金融互助雲端處理系統100包含有一交易市場交易伺服器120、一供應商交易裝置110、一買方交易裝置130以及一銀行帳務主機140。 As shown in the figure, the transaction market financial mutual assistance cloud processing system 100 includes a transaction market transaction server 120, a supplier transaction device 110, a buyer transaction device 130, and a bank account host 140.

交易市場交易伺服器120,用以提供至少一供應商以及至少一買方在一交易市場進行交易。 The trading market transaction server 120 is used to provide at least one supplier and at least one buyer to conduct transactions in a trading market.

一般而言,交易市場交易伺服器120係使用於一交易市場,其具一定規模之交易市場,例如進行果菜、魚、肉等商品的交易,且營運型態採會員公開競標交易制度,上、下游供應鏈有付款、收款銷帳等等金流需求。上、下游供應戶易產生資金缺口,具週轉需求。而供應商交易裝置110則使用於一上游供應商,而買方交易裝置130則使用於一下游承銷商,例如是一中盤買家。 Generally speaking, the trading market transaction server 120 is used in a trading market, which has a certain scale of trading market, such as trading fruits and vegetables, fish, meat and other commodities, and its operation type adopts the member open bidding trading system. The downstream supply chain has demand for cash flow such as payment, collection and cancellation. Upstream and downstream suppliers are prone to funding gaps and have turnover needs. The supplier transaction device 110 is used for an upstream supplier, and the buyer transaction device 130 is used for a downstream underwriter, such as a mid-market buyer.

上游供應商與下游承銷商於一銀行,開立帳戶,且具有交易款項收、付需求,繳納保證金後參與市場拍賣競價後支付市場得標金額之週轉金需求。其中,本發明中所揭露之供應商交易裝置110以及買方交易裝置130之相關模組亦可以交互使用,以進行所需的授信款項的動撥,以及資金的支付與收款,其均不脫離本發明的精神與範圍。 Upstream suppliers and downstream underwriters open accounts in a bank, and have transaction payment collection and payment requirements. After paying the margin, they participate in the market auction and then pay the market winning amount of working capital. Among them, the related modules of the supplier transaction device 110 and the buyer transaction device 130 disclosed in the present invention can also be used interchangeably to carry out the transfer of required credit funds, and the payment and collection of funds, which are not separated from The spirit and scope of the present invention.

供應商交易裝置110連接於交易市場交易伺服器120,以供至少一供應商查詢至少一待收款項,而買方交易裝 置130連接於交易市場交易伺服器120,以供至少一買方進行交易付款。其中,交易市場交易伺服器120可以申請一授信額度,以供至少一供應商,經由供應商交易裝置110,依授權分配比例,進行動撥。然本發明並不限定於此,經由買方交易裝置130,亦可以執行相應的授信款項動撥,其並不脫離本發明的精神與範圍。 The supplier transaction device 110 is connected to the market transaction server 120 for at least one supplier to inquire at least one pending payment, and the buyer transaction device 130 is connected to the market transaction server 120 for at least one buyer to make transaction payments . Wherein, the transaction market transaction server 120 may apply for a credit line for at least one supplier to transfer through the supplier transaction device 110 according to the authorized allocation ratio. However, the present invention is not limited to this. The buyer transaction device 130 can also perform corresponding credit transfer, which does not depart from the spirit and scope of the present invention.

銀行帳務主機140連接於交易市場交易伺服器120,以記錄授信額度以及至少一供應商交易裝置110對應的授權分配比例。 The bank account host 140 is connected to the transaction market transaction server 120 to record the credit limit and the authorized distribution ratio corresponding to at least one supplier transaction device 110.

在一實施例中,供應商交易裝置110包含有一登入模組112、一代收款項查詢模組114、一授信款項動撥模組116以及一群組討論模組118。 In one embodiment, the supplier transaction device 110 includes a login module 112, a first-generation payment inquiry module 114, a credit payment transfer module 116, and a group discussion module 118.

登入模組112可使每一供應商,依交易市場交易伺服器120分配之對應登入權限進行登入,當加入交易市場金融互助雲端處理系統100後,可視供應商的需求,以及對應交易市場的配合機制申請授信額度,或由交易市場交易伺服器120分配適當的授信額度。登入模組112可以經由註冊E-MAIL發送簽入WEB網址,或者以行動裝置,例如是IOS或ANDROID手機,掃描下載APP之QR CODE,也可以利用初始簽入帳號、密碼資料,例如是統編、帳號、密碼簽入等方式,進行登入,其均不脫離本發明的精神與範圍。 The login module 112 allows each supplier to log in according to the corresponding login permissions assigned by the trading server 120 of the trading market. After joining the trading market financial mutual assistance cloud processing system 100, it can be based on the needs of the supplier and the cooperation of the corresponding trading market The mechanism applies for a credit line, or the trading market transaction server 120 allocates an appropriate credit line. The login module 112 can send sign-in WEB URL through registered E-MAIL, or scan and download the QR CODE of APP with a mobile device, such as IOS or Android mobile phone, or use the initial sign-in account and password information, such as the system , Account, password, etc., to log in, which do not depart from the spirit and scope of the present invention.

代收款項查詢模組114連接於登入模組112,以提供每一供應商根據對應登入權限,查詢待收款項等相關資料,例如可進行帳戶查詢,以查詢戶餘額,交易結果明細查詢等相關訊息。 The collection payment inquiry module 114 is connected to the login module 112 to provide each supplier with the corresponding log-in authority to inquire about the payment to be collected and other related information, such as account inquiry, account balance inquiry, transaction details inquiry, etc. Related information.

授信款項動撥模組116連接於代收款項查詢模組114,以依對應的授權分配比例線上動撥該授信額度。當以市場申請總授信額度模式時,由交易市場交易伺服器120設定供應商交易裝置110及買方交易裝置130之個別可動撥之額度,並可直接依權限動撥,而其利率則依交易市場所申請條件固定。此外,以交易市場申請風險控管額度,各個供應商及買方需逐家申請授信額度、天期、利率後,透過銀行設定好關聯,動用短期周轉金。 The credit payment transfer module 116 is connected to the collection payment query module 114 to dial the credit line online according to the corresponding authorized allocation ratio. When applying for the total credit line mode in the market, the market transaction server 120 sets the individual movable limits of the supplier transaction device 110 and the buyer transaction device 130, which can be directly transferred according to the authority, and the interest rate is based on the transaction market. The application conditions for the venue are fixed. In addition, to apply for risk control quotas in the trading market, each supplier and buyer need to apply for the credit line, period, and interest rate one by one, and then set up the association through the bank to use the short-term working capital.

群組討論模組118則連接於授信款項動撥模組116,以作為交易市場、供應商及買方之間的溝通及聯絡的管道,進而結合訊息即時聯繫功能,例如是內建討論群組等,可快速接收交易市場訊息,以即時收到如開標通知等訊息。 The group discussion module 118 is connected to the credit payment transfer module 116 to serve as a channel for communication and contact between the trading market, suppliers and buyers, and combined with instant messaging functions, such as a built-in discussion group, etc. , Can quickly receive trading market information, to receive instant notifications such as bid opening and other information.

在一實施例中,交易市場交易伺服器120包含有一授信額度申請模組121、一授信額度分配模組122、一代收業務申請模組123、一繳款資訊產生模組124以及一群組討論模組125。 In one embodiment, the trading market transaction server 120 includes a credit line application module 121, a credit line allocation module 122, a generation collection service application module 123, a payment information generation module 124, and a group Discussion module 125.

授信額度申請模組121用來進行授信額度的申請,例如是申請一總授信額度。授信額度分配模組122連接於授信額度申請模組121,用以設定每一供應商交易裝置110及買方交易裝置130的授權分配比例。 The credit line application module 121 is used to apply for a credit line, for example, to apply for a total credit line. The credit line allocation module 122 is connected to the credit line application module 121 for setting the authorized allocation ratio of each supplier transaction device 110 and buyer transaction device 130.

代收業務申請模組123連接於授信額度分配模組122,用以向銀行帳務主機140申請一代收業務,例如是透過WEB或者收款APP進行代收。繳款資訊產生模組124連接於代收業務申請模組123,以產生一繳款資訊,例如是一QR CDOE等繳費資訊,其均不脫離本發明的保護範圍。群組討論模組125繳款資訊產生模組124連接於繳款資訊產生模組124,以作為交易市場、供應商及買方之間的溝通及聯絡的管道,進而結合訊息即時聯繫功能,例如是內建討論群組等,可快速接收交易市場訊息,以即時收到如開標通知等訊息。 The collection service application module 123 is connected to the credit line allocation module 122 to apply to the bank account host 140 for a collection service, for example, through WEB or collection APP for collection. The payment information generation module 124 is connected to the collection service application module 123 to generate payment information, such as payment information such as QR CDOE, which does not depart from the protection scope of the present invention. The group discussion module 125 The payment information generation module 124 is connected to the payment information generation module 124 to serve as a communication and contact channel between the trading market, suppliers and buyers, and then integrate the information real-time contact function, such as Built-in discussion groups, etc., can quickly receive market information, to receive instant notifications such as bid opening notifications.

在一實施例中,買方交易裝置130除了包含有如供應商交易裝置110中的類似模組,如一登入模組132、一代收款項查詢模組134、一授信款項動撥模組136以及一群組討論模組138。買方交易裝置130更包含有一APP付款模組133、一WEB付款模組135以及一信用卡付款模組137。然本發明並不限定於此,供應商交易裝置110亦可以包含有一APP付款模組、一WEB付款模組以及一信用卡付款模組,其並不脫離本發明的精神與範圍。 In one embodiment, the buyer transaction device 130 includes similar modules as in the supplier transaction device 110, such as a login module 132, a first-generation payment inquiry module 134, a credit payment transfer module 136, and a group of similar modules. Group discussion module 138. The buyer transaction device 130 further includes an APP payment module 133, a WEB payment module 135, and a credit card payment module 137. However, the present invention is not limited to this. The supplier transaction device 110 may also include an APP payment module, a WEB payment module, and a credit card payment module, which does not depart from the spirit and scope of the present invention.

APP付款模組133連接於登入模組132,以及WEB付款模組135連接於APP付款模組133,提供買方選擇經由APP付款模組133或WEB付款模組135,進行交易付款,例如是使用QR CDOE、網路ATM或全國繳費ID+ACCOUNT等方式支付。此外,買方交易裝置130更可以利用信用卡付款模組137,連接於WEB付款模組135,使買方亦可選擇經由信用卡,進行交易付款。 The APP payment module 133 is connected to the login module 132, and the WEB payment module 135 is connected to the APP payment module 133 to provide the buyer with the option of making transaction payments via the APP payment module 133 or the WEB payment module 135, for example, using QR Payment methods such as CDOE, online ATM or national payment ID+ACCOUNT. In addition, the buyer transaction device 130 can also use the credit card payment module 137 to connect to the WEB payment module 135, so that the buyer can also choose to make transaction payments via credit card.

在一實施例中,銀行帳務主機140包含有一授信額度核准模組142、一授信額度分配記錄模組144及一代收業務處理模組146。 In one embodiment, the bank account host 140 includes a credit line approval module 142, a credit line allocation recording module 144, and a generation collection service processing module 146.

授信額度核准模組142用以核准授信額度申請模組121的授信額度的申請,而授信額度分配記錄模組144連接於授信額度核准模組142,以記錄每一供應商交易裝置110對應的授權分配比例、金額等相關資訊。代收業務處理模組146連接於授信額度分配記錄模組144,以處理代收業務申請模組123所申請的代收業務,以便於交易市場之付款、收款銷帳等需求。 The credit line approval module 142 is used to approve the credit line application of the credit line application module 121, and the credit line allocation record module 144 is connected to the credit line approval module 142 to record the authorization corresponding to each supplier transaction device 110 Related information such as allocation ratio, amount, etc. The collection service processing module 146 is connected to the credit line allocation recording module 144 to process the collection service applied by the collection service application module 123 to facilitate payment, collection and cancellation of accounts in the trading market.

綜上所述,本發明一實施例所揭露之交易市場金融互助雲端處理系統,可以方便供應商、買家以及交易市場,進行交易,且當交易市場採用申請授信額度的方式時,更能方便地協助供應商及買家取得周轉的資金,有利於交易市場的運作。此外,藉由交易市場金融互助雲端處理系統更能結合訊息即時聯繫功能,以快速接收交易市場訊息。而交易市場金融互助雲端處理系統更能整合交易市場中、上游資金流通天數週期提供適合之線上週轉金方案,並提供交易市場回饋金自動計算撥補入帳,並進一步搭配即時入帳、銷帳通知附加服務。同時,交易市場金融互助雲端處理系統更可結合行銷策略,以交易次數換算折抵跨行交易手續費用等優惠,其均不脫離本發明的精神與範圍。 In summary, the transaction market financial mutual assistance cloud processing system disclosed in an embodiment of the present invention can facilitate suppliers, buyers, and the transaction market to conduct transactions, and it is more convenient when the transaction market adopts the method of applying for a credit line Assist suppliers and buyers to obtain working capital, which is conducive to the operation of the trading market. In addition, the transaction market financial mutual assistance cloud processing system can be combined with the instant messaging function to quickly receive transaction market information. The trading market financial mutual assistance cloud processing system can better integrate the day cycle of capital circulation in the trading market and provide a suitable online revolving fund plan. It also provides automatic calculation of the trading market rebate and crediting, and further matching with real-time account and write-off Notification of additional services. At the same time, the transaction market financial mutual assistance cloud processing system can also combine marketing strategies to convert the number of transactions to discounts such as cross-bank transaction fees, which does not depart from the spirit and scope of the present invention.

雖然本揭露已以實施方式揭露如上,然其並非用以限定本揭露,任何本領域具通常知識者,在不脫離本揭露之精神和範圍內,當可作各種之更動與潤飾,因此本揭露之保護範圍當視後附之申請專利範圍所界定者為準。 Although this disclosure has been disclosed in the above manner, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the field can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure The scope of protection shall be subject to the scope of the attached patent application.

100‧‧‧交易市場金融互助雲端處理系統 100‧‧‧Transaction Market Financial Mutual Assistance Cloud Processing System

110‧‧‧供應商交易裝置 110‧‧‧Supplier transaction device

120‧‧‧交易市場交易伺服器 120‧‧‧Exchange Market Transaction Server

130‧‧‧買方交易裝置 130‧‧‧Buyer transaction device

140‧‧‧銀行帳務主機 140‧‧‧Bank Account Host

Claims (7)

一種交易市場金融互助雲端處理系統,包含:一交易市場交易伺服器,用以提供至少一供應商以及至少一買方在一交易市場進行交易;一供應商交易裝置,連接於該交易市場交易伺服器,以供該至少一供應商查詢至少一待收款項;一買方交易裝置,連接於該交易市場交易伺服器,以供該至少一買方進行交易付款,其中該交易市場交易伺服器申請一總授信額度,以供該至少一供應商,經由該供應商交易裝置,依授權分配比例,直接進行動撥,且利率為依據該交易市場之申請條件固定;以及一銀行帳務主機,連接於該交易市場交易伺服器,以記錄該總授信額度以及該至少一供應商交易裝置的對應的授權分配比例,其中,該交易市場交易伺服器包含:一授信額度申請模組,以進行該總授信額度的申請;以及一授信額度分配模組,連接於該授信額度申請模組,以設定每一該至少一供應商交易裝置的該對應的授權分配比例,其中,該銀行帳務主機包含:一授信額度核准模組,以核准該授信額度申請模組的該總授信額度的申請;以及一授信額度分配記錄模組,連接於該授信額度核准模組,以記錄每一該至少一供應商交易裝置的該對應的授權分配比例。 A transaction market financial mutual assistance cloud processing system, including: a transaction market transaction server for providing at least one supplier and at least one buyer to trade in a transaction market; a supplier transaction device connected to the transaction market transaction server , For the at least one supplier to inquire about at least one pending payment; a buyer transaction device connected to the trading market transaction server for the at least one buyer to make transaction payments, wherein the trading market transaction server applies for a total A credit line for the at least one supplier to directly transfer through the supplier’s transaction device in accordance with the authorized distribution ratio, and the interest rate is fixed based on the application conditions of the transaction market; and a bank account host connected to the A transaction market transaction server to record the total credit limit and the corresponding authorized allocation ratio of the at least one supplier transaction device, wherein the transaction market transaction server includes: a credit limit application module to perform the total credit limit And a credit line allocation module connected to the credit line application module to set the corresponding authorized allocation ratio for each of the at least one supplier transaction device, wherein the bank account host includes: a credit line A credit line approval module to approve the application for the total credit line of the credit line application module; and a credit line allocation record module connected to the credit line approval module to record each of the at least one supplier transaction device Of the corresponding authorized allocation ratio. 如請求項1所述之交易市場金融互助雲端處理系統,其中該供應商交易裝置包含:一登入模組,以供每一該至少一供應商,依該交易市場交易伺服器分配之對應登入權限進行登入;以及一代收款項查詢模組,連接於該登入模組,提供每一該至少一供應商根據該對應登入權限,查詢該至少一待收款項。 The trading market financial mutual assistance cloud processing system according to claim 1, wherein the supplier transaction device includes: a login module for each of the at least one supplier according to the corresponding login authority assigned by the trading market transaction server Login; and a first-generation payment inquiry module, connected to the login module, to provide each of the at least one supplier to query the at least one pending payment according to the corresponding login authority. 如請求項2所述之交易市場金融互助雲端處理系統,其中該供應商交易裝置更包含一授信款項動撥模組,連接於該代收款項查詢模組,以依該對應的授權分配比例線上動撥該總授信額度。 For example, the transaction market financial mutual assistance cloud processing system described in claim 2, wherein the supplier transaction device further includes a credit payment transfer module, which is connected to the collection payment query module to be online according to the corresponding authorized allocation ratio Appropriate the total credit line. 如請求項3所述之交易市場金融互助雲端處理系統,其中該交易市場交易伺服器更包含:一代收業務申請模組,連接於該授信額度分配模組,以向該銀行帳務主機申請一代收業務;以及一繳款資訊產生模組,連接於該代收業務申請模組,以產生一繳款資訊。 The transaction market financial mutual assistance cloud processing system according to claim 3, wherein the transaction market transaction server further includes: a generation collection service application module connected to the credit line allocation module to apply to the bank account host Generation collection service; and a payment information generation module connected to the collection service application module to generate a payment information. 如請求項4所述之交易市場金融互助雲端處理系統,其中該買方交易裝置包含:一APP付款模組;以及一WEB付款模組,連接於該APP付款模組,以供該至少一買方選擇經由該APP付款模組或該WEB付款模組,進行該交易付款。 The transaction market financial mutual assistance cloud processing system according to claim 4, wherein the buyer transaction device includes: an APP payment module; and a WEB payment module connected to the APP payment module for the at least one buyer to choose The transaction payment is made through the APP payment module or the WEB payment module. 如請求項5所述之交易市場金融互助雲端處理系統,其中該買方交易裝置更包含一信用卡付款模組,連接於該WEB付款模組,以供該至少一買方選擇經由一信用卡,進行該交易付款。 The transaction market financial mutual assistance cloud processing system according to claim 5, wherein the buyer transaction device further includes a credit card payment module connected to the WEB payment module for the at least one buyer to choose to conduct the transaction via a credit card payment. 如請求項6所述之交易市場金融互助雲端處理系統,其中該銀行帳務主機更包含一代收業務處理模組,連接於該授信額度分配記錄模組,以處理該代收業務申請模組所申請的該代收業務。 The transaction market financial mutual assistance cloud processing system according to claim 6, wherein the bank account host further includes a generation collection service processing module, which is connected to the credit line allocation record module to process the collection service application module The collection service applied for.
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