TWI707284B - Investment-matching server - Google Patents

Abstract

An investment-matching server is provided. The investment-matching server provides the user, who wants to start a business, with a platform to submit a funding request for an investment target, and provide a general user with the platform to accumulate investment funds through proceeding consumption (especially, general consumption in daily life) via a payment system. The accumulated investment funds are collected from a percentage of each payment amount which does not exceed the manufacture’s suggested retail price of each of goods. The investment-matching server provide the general user to submit an investment request to select one investment target proposed by the user who wants to start the business, and use the accumulated investment funds to invest therein so that the user who wants to start the business can get the funding from several general users’ the accumulated investment funds.

Description

Investment Matching Server

The present invention relates to an investment matching server. More specifically, the investment matching server of the present invention provides an operating mechanism for performing general daily consumption through a payment system to accumulate investment funds and make investments.

In recent years, capitalism has prevailed, and the gap between the rich and the poor has become increasingly serious in the societies of developed or developing countries. Under this social phenomenon, ordinary people are already overwhelmed with their daily consumption and it is even more difficult to save money for entrepreneurship or investment. The current credit card payment model, stored value card payment, mobile payment model and other models not only provide users with convenient payment methods, but also provide current consumption discounts or provide rebates for the next consumption based on the ratio of current consumption amount.

However, whether it is the amount saved due to the current consumption discount or the rebate received from the current consumption, for the general public, it is only used for daily consumption and will not or cannot be used for investment, especially Rebate funds are usually restricted to be used only in specific stores or channels. Therefore, the consumption rebate created by the current payment model cannot give the general public any hope of increasing wealth.

In addition, the current investment plans (such as stocks, funds, fixed deposits, etc.) provided by financial institutions usually have a limit on the amount. Therefore, the general public needs to make specific savings to have the opportunity to deposit an investment amount. However, as mentioned earlier, when the general public has been overwhelmed by the general consumption of daily life, the investment amount for the investment plans provided by the above financial institutions is no longer easy to deposit, and it is more difficult to deposit a large amount for real estate investment Or start a business.

On the other hand, for self-made entrepreneurs, without a special background, they are usually unable to borrow large sums of money from financial institutions to obtain the entrepreneurial funds they need. At present, there is no private institution on the market that can provide an effective and transparent fund-raising channel, so that investors can make decisions with peace of mind, let alone enable entrepreneurs to raise the venture capital they need.

In view of this, how to provide effective and transparent investment and fund-raising channels without changing the current consumption patterns of the general public, so that the general public can easily invest or raise the required venture capital for the academic industry and Technical problems that the industry needs to solve urgently.

The purpose of the present invention is to provide an investment matching mechanism that allows ordinary people to use mobile payment or co-branded card payment methods for ordinary daily consumption to accumulate investment funds and make investments easily, thereby increasing the low-threshold investment of ordinary people Channels and entrepreneurial opportunities. Furthermore, the investment matching mechanism of the present invention can use the investment funds accumulated by the general public as venture capital to provide the general public who want to start a business. In this way, the investment matching mechanism of the present invention can provide an effective and transparent investment fund-raising channel without changing the current consumption pattern of the general public, so that the general public can easily invest or raise the business they need. Gold, and has the opportunity to become a middle class.

To achieve the above objective, the present invention discloses an investment matching server, which includes a network interface, a storage and a processor. The network interface is connected to a network. The storage stores a user database. The user database stores a plurality of user accounts and a personal file of each user account. Each of the personal files contains an account type. The account type is at least one of a consumer investment account type and a fundraising account type. When the account type is the consumption investment account type, the personal file further includes an unused consumption cumulative investment amount, a used consumption cumulative investment amount, and a cumulative profit amount. When the account type is the fund-raising account type, the personal file further includes a target fund-raising amount, a fund-raising amount, an investment target and a current operating status. The unused consumption cumulative investment amount of the personal file of each user account is composed of a plurality of rebates transferred in by a payment system, and each of the rebates is generated by a transaction paid through the payment system and is the transaction A percent of the transaction amount, N, where N is a positive integer greater than 0 and less than or equal to 100. The processor is electrically connected to the network interface and the storage, and is used to: receive an investment request from a first user device associated with one of the first user accounts through the network interface Message, the investment request message includes a target investment target and an investment amount, the target investment target corresponds to the investment target of the personal file of the second user account of one of the user accounts; according to the investment amount from the first The unused consumption cumulative investment amount of a user account deducts the investment amount, and the investment amount is increased to the used consumption cumulative investment amount; according to the investment amount, the investment amount is increased to the individual of the second user account The amount of funds raised in the file; determine whether the amount of funds raised is equal to the target amount of funds raised, and when the amount of funds raised is equal to the target amount of funds raised, implement one of the performance procedures of the investment target.

After referring to the drawings and the embodiments described later, those with ordinary knowledge in this technical field can understand the other objectives of the present invention, as well as the technical means and implementation aspects of the present invention.

1‧‧‧Investment Matching Server

3‧‧‧Remote Financial Server

5‧‧‧Remote payment server

102‧‧‧Investment request message

UA1‧‧‧First user account

UA2‧‧‧Second User Account

UE1‧‧‧First User Device

UE2‧‧‧Second User Device

NW‧‧‧Network

11‧‧‧Storage

13‧‧‧Processor

15‧‧‧Network Interface

Figure 1 is a schematic diagram of one of the implementation scenarios of the first embodiment of the present invention; Figure 2 is a schematic diagram of the implementation scenarios of the second and third embodiments of the present invention; Figure 3 is one of the fourth embodiment of the present invention A schematic diagram of an implementation scenario; Figure 4 is a schematic diagram of an implementation scenario of a fifth embodiment of the present invention; and Figure 5 is a schematic diagram of the investment matching server 1 of the present invention.

The following will explain the content of the present invention through examples. The examples of the present invention are not intended to limit the present invention to be implemented in any specific environment, application or special manner as described in the examples. Therefore, the description of the embodiments is only for explaining the present invention, not for limiting the present invention. It should be noted that, in the following embodiments and drawings, components that are not directly related to the present invention have been omitted and are not shown, and the dimensional relationship between the components in the drawings is only for ease of understanding, and is not intended to limit the actual ratio.

The first embodiment of the present invention is shown in Figure 1, which illustrates an implementation scenario. In this situation, the investment matching server 1 of the present invention is connected to a remote financial server 3 and a remote payment server 5 through the network NW. The network NW can be a mobile communication network, an Internet, a local area network, etc., or a combination of the foregoing various networks.

The investment matching server 1 stores a user database. The user database stores multiple user accounts and a personal file of each user account. Each person file contains an account type. The account type is at least one of a consumer investment account type and a fundraising account type. When the account type is a consumer investment account type, the personal file further includes an unused consumption cumulative investment amount, a used consumption cumulative investment amount, and a cumulative profit amount. When the account type is a fund-raising account type, the personal file further includes a target fund-raising amount, a fund-raising amount, an investment target and a current operating status. In addition, in other embodiments, when the account type is a consumption investment account type, the personal file may further include information such as a consumption accumulation detail, a consumption type classification, etc., to provide users with functions such as billing and consumption analysis. Moreover, when the account type is a fundraising account type, the personal file can also include additional information such as startup projects and planning records, and a list of fundraising operations to provide users with advanced management.

Anyone can register with the investment matching server 1 of the present invention through a smartphone or computer to obtain a user account, and use the investment matching server 1 or remote payment server 5 to identify the user account with the payment account/identification Code binding. During or after registration, users can adjust or change their account types. The account type of each user can be a consumer investment account type, a fundraising account type or both.

The accumulated investment amount of unused consumption in the personal files of each user account is composed of multiple rebates transferred from a payment system (for example, a mobile payment system, a membership card payment system). Each rebate is paid through the payment system to generate N% of the transaction amount of a transaction, where N is a positive integer greater than 0 and less than or equal to 100.

The investment matching server 1 receives an investment request message 102 from a first user device UE1 (for example, a smart phone, a personal computer) associated with a first user account UA1 among the user accounts through a network interface. The investment request message 102 includes a target investment target and an investment amount. The target investment target is the investment target corresponding to the personal file of the second user account UA2 among the user accounts. The investment matching server 1 deducts the investment amount from the unused consumption cumulative investment amount of the first user account UA1 according to the investment amount, and increases the investment amount to the used consumption cumulative investment amount.

Subsequently, the investment matching server 1 increases the investment amount to the amount of funds raised in the personal file of the second user account UA2 according to the investment amount. Then, the investment matching server 1 determines whether the amount of funds raised is equal to the target amount of funds raised, and when the amount of funds raised is equal to the target amount of funds raised, it executes one of the investment targets' performance procedures.

For example, when the remote payment server 5 is a mobile payment system, a first user with the first user account UA1 can operate the application in the first user device UE1 (such as a smart phone) to connect Wire to the remote payment server 5, and use the remote payment server 5 to make a payment in a store (for example, a convenience store, a coffee shop, a department store) to purchase goods. Assuming that the transaction amount of this commodity is 1000 yuan, by performing this transaction, the first user can accumulate 10 yuan investment money (that is, 1% of 1000) in the investment matching server 1. In this way, the first user does not need to change his current consumption mode, and can accumulate investment funds through daily consumption.

In this embodiment, the remote payment server 5 cooperates with the remote financial server 3 to provide users with payment. The user can store value on the membership card associated with the remote payment server 5 through the remote financial server 3, or request authorization from the remote financial server 3 immediately in response to mobile payment. The membership card can be an electronic ticket for a specific merchant and/or public transportation. Furthermore, the payment of the present invention can also be bound with a credit card or a financial card of any financial institution (for example, the financial institution to which the remote financial server 3 belongs) as a basis for subsequent unified payment of the total consumption amount.

In addition, it is assumed that the second user with the second user account UA2 is a user who wants to start a business, so his account type is at least a consumer investment account type. The target investment of the second user can be a land, a real estate, a store and a certain deposit. The second user can operate the application or browser in his second user device UE2 (for example: smart phone, personal computer) to connect to the investment matching server 1 to submit his investment plan. The investment plan needs to record the investment target and the funds to be raised (for example: 1 million).

When the first user with the first user account UA1 wants to invest his accumulated investment funds, the first user can send the investment request message 102 to the investment matching server 1 through the first user device UE1. For example, the first user connects to the investment matching server 1 through the first user device UE1 to browse the investment plans of each user who wants to start a business, and select the investment of one of the users (for example, the second user) Plan to invest. Therefore, the investment request message 102 includes a target investment target (corresponding to the investment target of the second user account UA2) and the investment amount (for example, 1,000 yuan). In this way, the investment matching server 1 can deduct the investment amount from the unused consumption cumulative investment amount of the first user account UA1 according to the investment amount submitted by the first user, and increase the investment amount to the used consumption cumulative investment amount .

When the amount of funds raised in the second user account UA2 is equal to the target amount of funds raised, the investment matching server 1 executes the contract performance procedure of the investment target to deliver funds equivalent to the target amount of funds raised to the second user, and perform both parties’ contract. After the second user obtains the fund-raising funds and conducts the operation of the investment target, it needs to report to the investment matching server 1 regularly (for example, monthly, quarterly or annually) to update the current operating status of the second user account UA2.

Based on its operating status and the amount of funds raised, the second user also needs to deliver part of the income to the investment matching server 1 on a regular basis (for example, monthly, quarterly, or annually) as a profit for the investment target. For example, the second user made a profit of 2 million after operating for a year, and 1/4 of his venture capital was obtained through fundraising from the investment matching server 1, so the second user needs to spend 2 million One quarter (that is, 500,000) is delivered to the investment matching server 1. After the investment matching server 1 receives a profit of 500,000, it allocates the profit based on the proportion of each user's previous investment. As previously assumed that the investment of the first user is 1,000 yuan, which accounts for 0.1% of the 1 million raised funds, so it can be allocated a profit of 500 yuan. In this way, the investment matching server 1 will withdraw 500 yuan to the accumulated profit amount of the first user account UA1, and the first user can withdraw all the accumulated profit amount, withdraw part of it, or convert it to unused consumption accumulation investment amount.

It should be noted that in actual operation, the investment matching server 1 may charge additional handling fees to each user, for example, deducting one percent from the allocated profit. Therefore, various handling fee collection methods fall within the protection scope of the present invention. The following examples illustrate the profitability methods of several investment targets of the present invention.

First, when the target investment is a land, the second user’s profit comes from the rent or resale amount of the land. The profit paid by the second user to the investment matching server 1 is the ratio of the total operating amount to the target fundraising amount as described previously (for example: 2.5 million target fundraising amount divided by 10 million total operating amount The ratio is 1/4). After the profit is paid, the investment matching server 1 is based on the ratio of the investment amount of the first user to the target fundraising amount of the second user, and the profit obtained from one of the land rent and the resale amount, Submit part of the profit to the first user. In other words, the cumulative profit amount of the first user account UA1 includes the profit amount obtained from one of the land rent and the resale amount based on the ratio of the investment amount to the target fund-raising amount.

Similarly, when the investment target is a real estate, the cumulative profit amount of the first user account UA1 includes the profit obtained from one of the real estate rent and resale amount based on the ratio of the investment amount to the target fundraising amount Amount. In addition, when the investment target is a store, the cumulative profit amount of the first user account UA1 includes the profit amount obtained from the net value of the store’s turnover based on the ratio of the investment amount to the target fund-raising amount. In addition, when the investment target system must be deposited, the cumulative profit amount of the first user account UA1 includes the profit amount obtained from one of the interest of self-deposit based on the ratio of the investment amount to the target fund-raising amount.

It should be noted that after the above-mentioned second user obtains the funds of the target fundraising amount from the investment matching server 1, he can independently execute the investment target with his funds. For example, when the investment target is fixed deposit, the second user can deposit the raised funds with a financial institution for fixed deposit to obtain a better fixed deposit interest rate. However, since the user identity registered with the investment matching server 1 of the present invention is not limited to a natural person or a legal person, when the second user is a legal person (for example, the second user is a financial institution), the second user itself also provides Fixed deposit service, in order to raise larger funds, and can provide better fixed deposit interest rates based on the size of the funds raised. Furthermore, the fixed deposit service is a relatively stable investment target, so it is suitable for generally conservative investment. However, the investment services provided by any financial institution (for example: funds, futures, stocks, etc.) can be the investment target of the present invention and belong to the scope of protection of the present invention.

On the other hand, when the investment target is a store, the contract between the two parties in the performance procedure of the present invention stipulates that the store must provide payment services of the payment system, so that the accumulated investment funds for consumption and the profit from the investment can be integrated Circulate within a limited range, maximize the use of investment funds accumulated by the overall consumption, and reduce the chance of unprofitable investment targets. In addition, in other embodiments, the investment matching server 1 of the present invention can further provide public information about the operating status of the store, so as to increase the willingness of the people to apply for an account and spend through the aforementioned payment system.

The second embodiment of the present invention is shown in Figure 2. Different from the first embodiment, the remote payment server 5 is integrated into the remote financial server 3, and the remote financial server 3 runs a payment system to provide payment services. As mentioned earlier, the payment service can be a mobile payment service or a membership card payment service. In addition, the remote financial server 3 can also provide any combination of payment services, as well as the aforementioned fixed deposit investment subject business. Since a person with ordinary knowledge in the technical field can easily understand the implementation and operation of integrating the remote payment server 5 into the remote financial server 3 of the present invention based on the foregoing embodiments, the details are not described here.

The third implementation of the present invention is also shown in Figure 2. Different from the foregoing embodiment, the remote payment server 5 is integrated into the investment matching server 1. In other words, the investment matching server 1 of the present invention can provide the aforementioned investment matching service and payment service at the same time. Since a person with ordinary knowledge in the technical field can easily understand the implementation and operation mode of the integration of the remote payment server 5 into the investment matching server 1 of the present invention based on the foregoing embodiments, the details are not described herein again.

The fourth embodiment of the present invention is shown in Figure 3. Different from the foregoing embodiment, the remote financial server 3 is integrated into the investment matching server 1. In other words, the investment matching server 1 of the present invention can be operated by a financial institution, which provides the aforementioned investment matching service and financial transaction service at the same time. Since a person with ordinary knowledge in the technical field can easily understand the implementation and operation of the integration of the remote financial server 3 into the investment matching server 1 of the present invention based on the foregoing embodiments, the details are not repeated here.

The fifth embodiment of the present invention is shown in Figure 4. Different from the foregoing embodiment, the remote financial server 3 and the remote payment server 5 are integrated into the investment matching server 1 at the same time. In other words, the investment matching server 1 of the present invention can be run by a financial institution that provides the aforementioned investment matching services, financial transaction services, and payment services at the same time. As a person with ordinary knowledge in the technical field can easily understand the implementation of the present invention for integrating the remote financial server 3 and the remote payment server 5 into the investment matching server 1 based on the foregoing embodiments, it will not be described here. Let me repeat it again.

It should be noted that although the investment matching server 1, the remote financial server 3, and the remote payment server 5 are depicted by a single server in the diagram, those with ordinary knowledge in the technical field can easily understand each The server can be composed of a cluster of servers. For example, the investment matching server 1 in the third embodiment may be composed of multiple servers of a single financial institution, which provide investment matching services, financial transaction services and mobile payment services respectively.

The sixth embodiment of the present invention is shown in FIG. 5, which is a schematic diagram of the investment matching server 1 of the present invention. The investment matching server 1 includes a storage 11, a processor 13 and a network interface 15. The processor 13 is electrically connected to the storage 11 and the network interface 15. The network interface 15 is connected to the network NW. The network interface 15 can be a wired network interface (for example: Ethernet interface) or a wireless network interface (for example: WIFI network interface, 3G mobile network interface, 4G mobile network interface or the above network interface Any combination of ).

The storage 11 is used to store a user database. As mentioned earlier, the user database stores multiple user accounts and personal files of each user account. Each person file includes an account type, which can be at least one of a consumer investment account type and a fundraising account type. When the account type is a consumer investment account type, the personal file further includes an unused consumption cumulative investment amount, a used consumption cumulative investment amount, and a cumulative profit amount. When the account type is a fundraising account type, the personal file further includes a target fundraising amount, a fundraising amount, an investment target and a current operating status.

The unused accumulated investment amount of consumption in the personal files of each user account is composed of multiple rebates transferred in by a payment system. Each rebate payment is N% of the transaction amount generated by a transaction through the payment system, where N is a positive integer greater than 0 and less than or equal to 100. The processor 13 receives an investment request message 102 from the first user device UE1 associated with the first user account UA1 of the user accounts through the network interface 15. The investment request message 102 includes a target investment target and an investment amount. The target investment target is the investment target corresponding to the personal file of the second user account UA2 among these user accounts.

The processor 13 deducts the investment amount from the unused consumption cumulative investment amount of the first user account UA1 according to the investment amount, and increases the investment amount to the used consumption cumulative investment amount. Subsequently, the processor 13 adds the investment amount to the amount of funds raised in the personal file of the second user account UA2 according to the investment amount. After that, as the amount of funds raised in the personal file of the second user account UA2 gradually increases in response to multiple users investing their accumulated investment amounts, the processor 13 determines whether the amount of funds raised is equal to the target amount of funds raised, and When the amount of funds raised is equal to the target amount of funds raised, one of the investment targets shall be implemented.

In an implementation scenario, the target investment target is a piece of land, and the cumulative profit amount of the first user account UA1 includes the ratio of the investment amount to the target fundraising amount, which is obtained from one of the land rent and the resale amount One of the profit amount. In another implementation scenario, the investment target is a real estate, and the cumulative profit amount of the first user account UA1 includes the ratio of the investment amount to the target fundraising amount, which is obtained from one of the real estate rent and resale amount 1. The amount of profit.

In addition, in an implementation scenario, the investment target is a store, and the cumulative profit amount of the first user account UA1 includes the ratio of the investment amount to the target fund-raising amount, which is obtained from one of the store’s net sales. The amount of interest. Furthermore, the aforementioned storefront of the investment target provides payment services for the payment system, so that the investment accumulated by consumption and the profit from the investment can circulate within a limited range, and the investment accumulated by the overall consumption can be used Maximize and reduce the chances of unprofitable investment targets.

In addition, in another implementation situation, the investment target system must be deposited, and the accumulated profit amount of the first user account UA1 includes one of the gains obtained from the interest of the self-deposited deposit based on the ratio of the investment amount to the target fund-raising amount. The amount of interest. Furthermore, the investment matching server can be connected to a remote financial server, and the fixed deposit is provided by the remote financial server. Based on the current mainstream payment behavior, the aforementioned payment system can be a mobile payment system, which can run in the investment matching server 1. The investment matching server 1 can be connected to a remote financial server to cooperate with the remote financial server to provide a payment service for each user account to use a mobile payment system through a mobile device. Furthermore, in other implementation scenarios, the mobile payment system can also be run on a remote financial server, and the investment matching server 1 connects to the remote financial server to provide users with cooperation with the remote financial server The account uses the payment service of the mobile payment system through a mobile device.

In summary, the investment matching mechanism of the present invention enables ordinary people to use mobile payment or co-branded card payment methods for general daily consumption to accumulate investment funds and make investments simply. Furthermore, the investment matching mechanism of the present invention can use the investment funds accumulated by the general public as venture capital to provide the general public who want to start a business. In this way, the investment matching mechanism of the present invention can provide an effective and transparent investment fund-raising channel without changing the current consumption pattern of the general public, so that the general public can easily invest or raise the business they need. gold. In addition, when the investment target is a store, the present invention provides the aforementioned payment service through the store, which can further enable the investment accumulated in consumption and the profit from the investment to circulate within a limited range, thereby reducing the overall consumption The accumulated investment funds are used to maximize and reduce the chances of unprofitable storefronts. It also increases people's willingness to spend, thereby improving social living standards.

The foregoing embodiments are only used to illustrate the implementation aspects of the present invention and explain the technical features of the present invention, and are not used to limit the protection scope of the present invention. Any change or equal arrangement that can be easily accomplished by a person familiar with this technology belongs to the scope of the present invention, and the scope of protection of the present invention shall be subject to the scope of the patent application.

1‧‧‧Investment Matching Server

3‧‧‧Remote Financial Server

5‧‧‧Remote payment server

102‧‧‧Investment request message

UA1‧‧‧First user account

UA2‧‧‧Second User Account

UE1‧‧‧First User Device

UE2‧‧‧Second User Device

NW‧‧‧Network

Claims (10)

An investment matching server includes: a network interface connected to a network; a storage for storing a user database, the user database storing a plurality of user accounts and a personal file of each user account, each The personal file contains an account type, and the account type is at least one of a consumer investment account type and a fundraising account type. When the account type is the consumer investment account type, the personal file further contains an unused consumption Cumulative investment amount, a used consumption cumulative investment amount, and a cumulative profit amount. When the account type is the fundraising account type, the personal file further includes a target fundraising amount, a fundraising amount, and an investment The target and a current operating status, the unused consumption cumulative investment amount of the personal file of each user account is composed of a plurality of rebates transferred in by a payment system, and each rebate is paid for a transaction through the payment system Generated and is N percent of the transaction amount of the transaction, where N is a positive integer greater than 0 and less than or equal to 100; a processor is electrically connected to the network interface and the storage for: The network interface receives an investment request message from a first user device associated with a first user account of one of the user accounts, the investment request message including a target investment target and an investment amount, and the target investment target corresponds to The investment subject to the personal file of the second user account of one of the user accounts; deduct the investment amount from the unused consumption cumulative investment amount of the first user account according to the investment amount, and increase the investment amount To the used consumption cumulative investment amount; according to the investment amount, increase the investment amount to the amount of funds raised in the personal file of the second user account; and determine whether the amount of funds raised is equal to the target amount of funds raised , And when the amount of funds raised is equal to the target amount of funds raised, the performance procedure of one of the investment targets is executed. The investment matching server according to claim 1, wherein the target investment target is a piece of land, and the accumulated profit amount of the first user account includes a ratio based on the investment amount and the target fundraising amount. The amount of profit obtained from one of the rent and the amount of resale of the land. The investment matching server according to claim 1, wherein the investment target is a real estate, and the cumulative profit amount of the first user account includes a ratio based on the investment amount and the target fundraising amount. The amount of profit obtained from one of the rent and the amount of resale of the real estate. The investment matching server according to claim 1, wherein the investment target is a storefront, and the cumulative profit amount of the first user account includes a ratio based on the investment amount and the target fundraising amount. The amount of profit obtained from the net value of one of the stores. The investment matching server according to claim 4, wherein the storefront provides a payment service of one of the payment systems. The investment matching server according to claim 1, wherein the investment target is a certain deposit, and the cumulative profit amount of the first user account includes a ratio based on the investment amount and the target fundraising amount, from the The amount of profit obtained from one interest of fixed deposit. The investment matching server according to claim 6, wherein the investment matching server is connected to a remote financial server, and the fixed deposit is provided by the remote financial server. The investment matching server according to claim 1, wherein the payment system is a mobile payment system. The investment matching server according to claim 8, wherein the mobile payment system runs in the investment matching server, and the investment matching server is connected to a remote financial server to cooperate with the remote The financial server provides a payment service for each user account to use one of the mobile payment systems through a mobile device. The investment matching server according to claim 8, wherein the mobile payment system runs in a remote financial server, and the investment matching server is connected to the remote financial server to cooperate with the remote The financial server provides a payment service for each user account to use one of the mobile payment systems through a mobile device.

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