五、新型說明： 【新型所屬之技術領域】 本創作係關於一種網路借貸金融平台裝置，尤指一種以網路作為媒 介並可依自由意願選擇申請額度保證或還款保證的網路資金相互借貸 金融平台裝置，其中本創作更對資金需求者及資金提供者雙方提供核 額、保證、媒合、收付、催收等機制，資金需求者可藉由本創作進行資 金借貸’避免借貸時的尷尬或困難，更能有效降低資金借貸成本；而資 金提供者可藉由本創作進行收款、保證及催收，避免收款麻煩及催討債 務糾紛，亦能有效提高資金運用報酬或申請還款保證保全資金。 【先前技術】 社會上常有親友借貸或是熟人籌資等借貸情事發生，可是也常因人 情壓力、經濟能力、帳務不清、催討困難等狀況發生，而使得雙方的關 係因有金錢的往來或借贷而產生不必要的麻煩、問題、爭執或糾紛，因 此往往是因顧及人情或關係而勉強借貸，但最後卻常常又造成因借贷 而損傷親情、人財兩失、關係破裂或互不往來的結局》 另外，若是傳統由銀行擔任資金借貸之仲介角色，資金提供者必須 到銀行存款，由銀行支付存款利息，然後銀行再將吸收之存款貸放給資 M379816 金需求者，但由於存款及放款利率皆由銀行片面決定，更因銀行必須負 擔資金間置或貸放風險，且銀行對於資金需求者之經濟或信用狀況也 僅能由部分公開資料片面判定，因此使得銀行給予資金需求者之額度 或利率往往會產生偏差，這便是傳統由銀行擔任資金借貸仲介角色時， 會發生資金提供者之存款利率過低、資金需求者借款利率過高之原因。 至於有一種電子金融平台（中華民國發明專利公告號〖283372)係 以網際網路之運用將廣大散佈於各地之資金需求者及資金提供者集合 於一網路平台並設立成一群組，而使資金需求者與資金提供者進行借 貸議價，但此交易平台之資金需求者皆必須取得一定額度方可進入亦 即資金需求者皆需事先通過徵信審核，取得一特定額度且在此允許的 額度下加入一群組中，方允許在平台上交易，因此依然會產生對資金需 求者之經濟或信用狀況無法全盤瞭解而產生的偏頗及誤差，而且此電 子金融平台對於所給予的額度也並無說明任何保證或效用更重要的 是：此平台僅負責雙方網路上的撮合，而只將資金提供者的資金在網路 上撮合給陌生的資金需求者，其中的風險評估、收付處理、資金回收、 催收作業……等皆未進行控管或處理，這也將可能造成資金提供者报 多後續的借貸糾紛、倒帳處理及收款麻煩；而且雙方的借貸價格是需 要經由議價而來，但金錢借貸非一般物品拍賣雙方既不認識又處於虛 擬之網路世界，對借貸利率或風險評估將無所憑藉。 而另尚有一種額度控管融資平台（中華民國發明專利公告號 482969及棚59)係鱗統關互助會之料運作，㈣是資金提供者 M379816 · 或是資金需求者，皆會根據徵信調查結果賦予一透支額度，並對此透支 額度進行控管及保證，而此會員必須於一封閉式融資小組中競標並獲 得其他未得標者之資金，但是此類平台除了依然會產生對資金需求者 之經濟或信用狀況無法全盤瞭解而賦予偏頗及誤差的額度外，更因為 需全額還款保證，在控制風險的先決條件下，往往會提高審核標準，而 使得真正資金需求者無法核准參加，最後造成此類封閉式的融資小組 會員多為資金提供者所組成，很少有資金需求者得以加入並競標，而造 • 成期期抽蕺得標，強迫資金提供者獲得不必要的資金並支付利息；而且 若萬一真有多位資金需求者競標，卻又會造成競標卻未得標，資金需 求者不但借不到資金，反而還需再提供一筆資金給得標者更加重資金 需求者之資金負擔。 所以在先前技術中，仍存有許多缺失而待改進，因此本創作人思考 如何利用其他方式，將人與人間的借資，尤其是相互熟識或具關係的人 • 與人間的借貸，藉由一資金相互借貸金融平台裝置，使人與人間的借貸 更平順且清楚，更可將社會資本轉換成經濟資本，以更經濟且合理的成 本獲得所S資金。目此本創作人料研究鑛之精神,彻專業眼光及 專業知識，改良新型之意念，創作出本案之「資金相互借貸金融平台裝 置」〇 5 M379816 · 【新型内容】 相較於習知技術，本創作除可運用於正式金融借貸領域更可以應 用在一般親友或具有關係之借貸行為，而對於相互熟識或具關係的親 友借貸或籌資更具實用性、新穎性與進步性，藉由此資金相互借貸金融 平台裝置可將借貸間之各項繁雜的作業及程序輕易完成，除可獲得較 低成本的資金或獲得較高報酬的利息外，更可將自己的社會資本輕鬆 轉換成經濟資本，以更經濟且合理的成本獲得所需資金而資金提供者 也可避開人情包被、收款顧慮或糾紛爭端，輕輕鬆鬆地將資金借予資金 需求者。因此藉由此資金相互借貸金融平台裝置的執行，可將民間借貸 導向正常化、單純化及透明化進行。 藉由此資金相互借贷金融平台裝置，資金需求者可先向熟識之親友 同事以較低之借貸成本滿足其資金需求，而資金提供者亦可藉由此平 〇將資金k供有資金需求之親友同事並賺取較銀行存款豐厚之資金 報酬，而有關借貸後所產生之收款、清償、催收……等作業，則可由此 資金相互借貸金融平台裝置進行。而當資金需求者於平台上所獲得的 資金無法滿足其需求時，更可藉由此平台向其他資金提供者尋求資金 提供，而其他資金提供者Φ可參考此資金需求者於此資金相互借贷金 融平台裝置上所公開的資料進行評估依資金提供者自己之自由意願 向此資金相互借貸金融平台裝置請求合錢還款保證比雜w_， 將資金提供給該資金需求者。 6 另外’此資金相互借貸金融平台裝置亦提供資金需求者依其自己意 願申請保證額度，在此額度内可由此資金相互借貸金融平台裝置提供 還款保證予資金提供者；而當該資金需求者具有額度時資金提供者便 可依自己意願決定是否需由此資金相互借貸金融平台裝置提供該資金 需求者之還款保證，並可選擇請求保證之比例④%〜100幻，並依所請求 之保證比例給付保證費用給資金相互借貸金融平台裝置，當該資金需 求者未來發生遲缴或未繳還款時，即可由資金相互借贷金融平台裝置 依保證比例來負擔該資金提供者之損失。 本創作在於提供一種資金相互借貸金融平台裝置，用以供資金需求 者及資金提供者進行資金借貸交易。資金相互借貸金融平台裝置包含 網站交易模組及會員資料庫模組、前台系統以及後台系統。網站交易 模组用以供會員進行資金借貸交易，會員資料庫模組用以紀錄會員各 項資料。前台系統包含申請作業模组以及登入作業模組,前台系統用以 供申請成為會員或會員登入網站使用。後台系統包含額度核定模組、 額度控管模組、風險核定模組、還款保證模組、資訊揭示模组、成交 管理模组、收付款作業模組、催收作業模組後台系統用以供會員及平 台進行額度、風險、利率、媒合、交易、收付款、催收等各項管理及 M379816 【實施方式】 本創作在於提供一種資金相互借貸金融平台裝置，用以供資金需求 者及資金提供者進行資金借貸交易，整個資金相互借貸金融平台裝置並 提供非常完整的撮合、交易、管理、收付、催收等功能。以下將詳述本 創作之較佳具體實施例,藉以充分解說本創作之特徵、精神、創新及優點。 請參閱圓一。圈一係繪示根據本創作之一具體實施例之資金相互借 貸金融平台裝置1的功能方塊囷。如圖一所示，本創作之資金相互借貸金 融平台裝置1可藉由伺服器與資料庫進行建構，並可供一般消費者藉由 網際網路進行申請、登錄、交易，但並不以此為限。換言之，只要是具有 網路通訊功能之電子裝置，皆可進入本創作之資金相互借貸金融平台裝 置1，並進行申請、登入或使用本平台内豐富且完備之各種功能。以下將 針對本創作之具體實施例之資金相互借貸金融平台裝置丨作更深入且詳 細的介紹及說明，包含其各模組功能及作動方式。V. New description: [New technology field] This creation is about a network lending financial platform device, especially a kind of network funds that use the Internet as a medium and can choose to apply for quota guarantee or repayment guarantee according to free will. The lending financial platform device, in which the creation provides a mechanism for the fund demander and the fund provider to provide the amount of capital, guarantee, matchmaking, collection and payment, collection, etc., and the fund demander can use the creation to borrow funds to avoid the shackles of borrowing. Or difficulty, it can effectively reduce the cost of capital borrowing; and the fund provider can collect, guarantee and collect the money through this creation, avoid the trouble of collecting money and levy debt disputes, and can effectively improve the use of funds or apply for repayment guarantees. . [Prior Art] In the society, there are often borrowings such as relatives and friends borrowing money or acquaintances raising funds. However, due to human pressure, economic ability, unclear accounting, and difficulty in seeking difficulties, the relationship between the two parties is due to the exchange of money. Or borrowing to create unnecessary troubles, problems, disputes or disputes, so it is often forced to borrow because of the relationship or relationship, but in the end it often causes damage to family, financial and financial losses, broken relationships or mutual failure. In addition, if the traditional role of the bank as a fund lending, the fund provider must go to the bank to deposit, the bank pays the deposit interest, and then the bank will lend the absorbed deposit to the M379816 gold demander, but due to deposits and The lending rate is determined by the bank one-sidedly. Moreover, the bank must bear the risk of inter-bank lending or lending, and the bank’s economic or credit status for the capital demander can only be judged by one-sided public information. The amount of credit or interest rate tends to be biased, which is traditionally borrowed by banks. In the case of the intermediary role, there will be a reason why the deposit rate of the fund provider is too low and the interest rate of the borrower of the fund is too high. As for an electronic financial platform (Republic of China invention patent announcement No. 283372), the use of the Internet has brought together a large number of capital demanders and fund providers scattered throughout the country on a network platform and established into a group. The fund demander and the fund provider will negotiate the loan, but the fund demander of the trading platform must obtain a certain amount to enter, that is, the fund demander must pass the credit review in advance to obtain a certain amount and the amount allowed here. By joining a group, it is allowed to trade on the platform, so there will still be biases and errors that cannot be fully understood by the economic or credit status of the fund demander, and the e-finance platform does not have the amount given. It is more important to note that any guarantee or utility is: this platform is only responsible for the combination of the two parties' networks, and only the funds of the fund providers are combined on the Internet to the unfamiliar fund demanders, among which the risk assessment, payment processing, and capital recovery , collection operations, etc. are not controlled or processed, which may also cause the fund provider to report Subsequent lending disputes, reversal processing and collection troubles; and the borrowing price of both parties needs to come through bargaining, but the money lending is not a common item auction neither knows nor is in the virtual online world, the loan interest rate or risk assessment Will not rely on it. There is also a quota control financing platform (the Republic of China invention patent announcement number 482969 and shed 59) is the operation of the scales of the mutual aid association, (4) is the fund provider M379816 · or the capital needs, will be based on the credit investigation The result is given an overdraft limit and the overdraft limit is controlled and guaranteed, and the member must bid in a closed financing group and obtain funds from other unsuccessful bidders, but in addition to such platforms, there will still be funding requirements. The economic or credit status of the person cannot be fully understood and given a bias and error margin. Moreover, due to the need for full repayment guarantee, under the preconditions for controlling risk, the auditing standard is often raised, and the real fund demander cannot approve the participation. In the end, the members of such closed-end financing groups are mostly composed of fund providers. Few funds are required to join and bid, and the incentives for winning the period are necessary to force the fund providers to obtain unnecessary funds. Pay interest; and if there are really many people who need funds to bid, but they will cause bidding but fail to win the bid, the funds need Not only those who borrow money, but would also need to provide funding to get more heavy burden bidder's financial needs of a sum of money. So in the prior art, there are still many shortcomings to be improved, so the creator thinks about how to use other methods to borrow money from people, especially people who know each other or have relationships with them. A financial mutual lending financial platform device makes the borrowing between people more smooth and clear, and can convert social capital into economic capital, and obtain the S funds at a more economical and reasonable cost. In this way, the author is interested in researching the spirit of the mine, thoroughly understanding the professional vision, improving the new ideas, and creating the “financial mutual loan financial platform device” in this case. 5 M379816 · [New content] Compared with the conventional technology, In addition to being used in formal financial lending, this creation can be applied to ordinary relatives or relatives, and it is more practical, novel and progressive for borrowing or financing relatives or relatives who are familiar with each other. The mutual lending financial platform device can easily complete various complicated operations and procedures between borrowing and lending, and can easily convert its social capital into economic capital, in addition to obtaining lower-cost funds or obtaining higher-paying interest. The funds are available at a more economical and reasonable cost, and the fund providers can easily circumvent human debts, collection concerns or disputes, and easily lend funds to the capital demanders. Therefore, through the implementation of the financial lending financial platform device, the private lending can be directed to normalization, simplification and transparency. With the mutual borrowing of the financial platform device, the fund demander can first satisfy the well-known friends and relatives with low borrowing costs to meet their capital needs, and the fund provider can also use the funds to provide funds for the demand. Friends and relatives and colleagues earn a lot of money from bank deposits, and the operations such as collection, settlement, collection, etc. after the borrowing can be carried out by mutual funds and financial platform devices. When the funds obtained by the fund demanders on the platform cannot meet their needs, they can use this platform to seek funding from other fund providers, while other fund providers Φ can refer to the capital demanders to borrow from each other. The information disclosed on the financial platform device is evaluated according to the free will of the fund provider, and the mutual fund lending financial platform device requests the money repayment guarantee to provide the funds to the fund demander. 6 In addition, the fund mutual lending financial platform device also provides the capital demander to apply for the guarantee amount according to his own wishes. Within this amount, the fund mutual loan financial platform device can provide the repayment guarantee to the fund provider; and when the fund demander When there is a quota, the fund provider can decide whether it is necessary to mutually repay the financial platform device to provide the repayment guarantee of the fund demander, and can choose to request the guarantee ratio of 4%~100 illusion, and according to the request The guarantee ratio guarantee guarantee fee is provided to the mutual loan financial platform device. When the fund demander has a late payment or unpaid repayment in the future, the financial mutual platform financial platform device can bear the loss of the fund provider according to the guarantee ratio. The creation is to provide a financial mutual lending financial platform device for fund borrowers and fund providers to conduct fund lending transactions. The financial mutual lending financial platform device includes a website transaction module and a member database module, a foreground system, and a background system. The website transaction module is used for members to conduct fund loan transactions, and the member database module is used to record member information. The front-end system includes an application operation module and a login operation module, and the front-end system is used for application to become a member or a member to log in to the website. The back-end system includes a quota verification module, a quota control module, a risk verification module, a repayment guarantee module, an information disclosure module, a transaction management module, a payment and payment operation module, and a collection operation module back-end system for providing Members and platforms to manage the amount, risk, interest rate, matchmaking, transaction, payment, collection and other management and M379816 [Implementation] This creation is to provide a financial mutual loan financial platform device for the needs of funds and funds The fund lending transactions, the entire fund lending to the financial platform device and providing a very complete function of integration, transaction, management, payment, collection and so on. The preferred embodiments of the present invention are described in detail below to fully explain the features, spirit, innovation, and advantages of the present invention. Please refer to the round one. The circle shows a functional block of the financial mutual lending financial platform device 1 according to a specific embodiment of the present creation. As shown in Figure 1, the financial mutual lending financial platform device 1 of the present invention can be constructed by a server and a database, and can be applied, logged in, and traded by the general Internet through the Internet, but not Limited. In other words, as long as it is an electronic device with network communication function, it can enter the capital mutual loan financial platform device 1 of the creation, and apply for, log in or use various functions of the platform. In the following, a more in-depth and detailed description and description of the mutual fund lending financial platform device of the specific embodiment of the present invention will be provided, including the function and operation mode of each module.
如圖一所示，本創作之資金相互借貸金融平台裝置丨可用來供資金 需求者及資金提供者進行資金借貸交易。資金相互借貸金融平台裝置J 主要包含有網站交易模組1〇、會員資料庫模组12、前台系統14及後台 系統16。 網站交易模组10可用來供資金需求者及資金提供者進行資金借貸 交易。會員資料庫模组12可用來纪錄該資金需求者及該資金提供者之各 項會員資料。 8 M379816 · 於上述的網站交易模组ίο可以供資金需求者公開提出資金需求金 額、還款方式、還款期限、保證額度......等，而資金提供者依其意願並參 考資金需求者之公開訊息，選定資金需求者，並選擇設定保證還款比例 (0%〜100%)後，將資金借貸予所選擇之資金需求者。另外，資金提供者及資 金需求者雙方亦可能為原熟識之親友同事,則雙方可將上述的網站交易 模组10設立為不公開，而僅以邀約或封閉方式進行雙方之資金借貸。以 上為較常見之公開或封閉之實施方式，但不以此為限。另上述的會員資料 庫模组12可包含以下資料：姓名、暱稱、性別、身分證字號、出生年月 曰、電話、手機、地址、email、額度、風險……等，但不以此為限。 前台系統14主要包含有申請作業模组丨4〇及登入作業模组142。申 請作業模组14G用以供消費者巾請成為資金需求者或資錢供者，登入 作業模组142用以供資金需求者或資金提供者登入網站進行資金交易。 後台系統16主要包含有資訊揭示模組κι、成交管理模組π?、收 付款作業模組163、催收作業模·组164、額度核定模组165、額度控管模 组166、風險核定模組167及還款保證模组168。資訊揭示模組161用以 供資金需求者揭示其資金需求或條件成交管理模組162用以管理資金 需求者及資金提供者之借貸成交，收付款作業模组163用以處理借貸成 交後之收付款相關作業，催收作業模组164帛於資金需求者發生違约時 進订相關催缴及管制，額度核定模組165用以該資金需求者依其意願申 請核定可保證額度，額度控管触166用以控管具有額度之資金需求者 可保證額度餘額，驗蚊触167心贼#金冑求者驗等級，還款 9 M379816 保證模組168用以供資金提供者選擇該筆資金保證還款比例。 請參閱圖二。圖二係繪示圖一中之資金相互借貸金融平台裝置1之 内部各系統及模組的功能方塊。如圖二所示，圖二係繪示出本創作之資金 相互借貸金融平台裝置1内所包含之最詳細也最完整的元件。資金相互 借貸金融平台裝置1主要包含有網站交易模組10、會員資料庫模組12、 前台系統14及後台系統16,而前台系統14又包含有申請作業模组14〇 及登入作業模组142,另後台系統16又包含有資訊揭示模組161、成交管 理模组162、收付款作業模组163、催收作業模组164、額度核定模組165、 額度控管模组166及風險核定模组167。由於本創作所提出之資金相互 借貸金融平台裝置1内所包含之各模組眾多因此以下將針對本創作之 資金相互借貸金融平台裝置1内的模组進行更深入的介绍及說明。 於上述的會員資料庫模組12係用以紀錄資金需求者或資金提供者 的個人資料、帳號資料、登入密碼、帳務管理……等，亦可記錄資金需求 者之最大額度、保證額度、風險等級......等資料。而申請作業模组14〇 可以供任何網路或實體的消費者進行申請註冊經核准後可將其帳號資 料及自設密瑪儲存於會員資料庫模组12中。另外藉由登入作業模組142 可供已完成帽作業域核准之資金f求者或資金提供相其帳號及密 喝登入資金相互料金融平纟裝置丨進时金料交I並可連結會員 資料庫模组12進行相關資料維護。 而後台系統16的額度核定模& 165則是用以核定資金需求者其可由 10 資金相互借貸金融平台裝置1所保證的額度，該保證額度是提供給資金 提供者所提供之資金可選擇還款保證的數額。額度核定模組165所核定 給資金需求者的還款保證額度，可依資金提供者之自由意願向還款保證 模組168進行該筆資金之保證還款比例設定，還款保證是依該資金提供 者之自由意願向還款保證模组168提出保證請求，並依所請求之保證比 例(0%~100%)支付保證費用予資金相互借貸金融平台裝置1。資金需求者 若無申請額度核定或額度已用盡，則提供之資金無法選擇還款保證，資金 提供者需自行承擔遲交或未繳之金額。而若資金需求者申請保證額度， 但經核定無法給予保證，即保證額度為零時，則所提供該資金需求者之資 金亦無法選擇還款保證，該資金提供者需自行承擔遲交或未缴之金額。 在資金相互借貸金融平台裝置1中，資金需求者所需之資金可由一 位或多位資金提供者提供，而當由多位資金提供者共同提供該資金需求 者之資金時，其保證額度可依成交時間之先後順序或其他事先約定，由該 電子交易平台給予資金提供者個別還款保證》而在資金相互借貸金融平 台裝置1中，資金提供者可提供資金給予一位或多位資金需求者,甚至資 金相互借貸金融平台裝置1亦可擔任資金提供者或資金需求者進行資金 提供或資金需求。 至於後台系統16中的額度控管模组166是用以控管具有額度之資金 需求者之保證額度的可用餘額,在該保證額度的可用餘額内，資金提供者 才可以選擇是否約定還款保證比例。而風險核定模组167則是用以核定 資金需求者之風險等級，而風險等級是可用來核定資金需求者之借貸利 M379816 率或資金提供者之保證費用。而風險核定模組167所核定之借貸利率， 為該資金需求者之借貸利率上限，當資金需求者於保證額度内無法滿足 資金需求時，資金相互借貸金融平台裝置1即可用該上限利率提供該資 金需求者資金。而資訊揭示模组161是用以供資金需求者依其自由意願 公開揭示其資金需求訊息，資訊揭示模组161除供該資金需求者進行公 開揭示外，亦可僅針對特定資金提供者揭示其資金需求或條件。另外，資 金需求者亦可以藉由資訊揭示模組161進行電子郵件、線上訊息、即時 通訊……等方式主動通知或招集各資金提供者。 於上述的網站交易模组10亦可設定封閉群组，供特定之資金提供者 及資金需求者進行資金借貸》例如親友的相互借貸或具關係的熟人籌資， 皆可將網站交易模組10設定為封閉，而僅運用資金相互借貸金融平台裝 置1之部份模組或功能。至於，成交管理模組162係用以判斷及處理資金 提供者及資金需求者是否達成資金借貸交易，並進行資金需求者及資金 提供者之借貸成交相關作業。而該收付款作業模組163於成交管理模組 確認達成資金借貸交易後，依資金提供者或資金需求者之設定，於指定曰 期、週期、期限、帳戶、金額、方式......等，進行借貸成交後相關收付 款之進行。收付款作業模組163可依該資金提供者之約定，由其指定之金 融帳戶、信用卡、現金卡或任何資金相互借貸金融平台裝置1允許之管 道進行取款，另收付款作業模组163可依該資金需求者之約定，撥款至其 指定之金融帳戶、信用卡、現金卡或任何該資金相互借貸金融平台裝置 1允許且可行之其他管道進行撥款。而收付款作業模组163會於指定還 12 款時間將·資金S求者事先约定之金祕戶、信时、現金卡或任 何資金相互借貸金融平台裝置i允許且具可祕額之管道進行取款並 對該資金提供者進行還款作業。 最後’若資金需求者發生違約遲缴或未缴還款時，則催收作業模组 164將進行相關催繳、法律、訴訟.··..·等相關後續事宜。另外，資金相互 借貸金融平台裝置1不論該資金需求者是否申請核定可保證額度皆可 依法律規範、實際需求、事先約定或其他依據對該資金需求者設立一資 金需求金額上限。該資金需求金額上限為該資金需求者可於資金相互借 貸金融平台裝置1上所獲得之最大資金總額，但此資金需求金額上限並 不必然，而是在為符合法律規範、實際需求、事先約定或其他依據時再 運用既有的額度核定模组165、額度控管模組166或風險核定模組167 進行修改及控管。 由以上對於本創作之較佳實施例之詳述，可明顯地看出本創作之資 金相互借貸金融平台裝置係特別針對人與人之直接借貸為處理標的，且 對於親友同事等已熟識之人與人間的借貸更有宏大且完善的運用及價 值。藉由以上較佳之實施例之詳述說明，係希望能更加清楚描述本創作之 特徵與精神，而並非以上述所揭露的較佳具體實施例來對本創作之範疇 加以限制。相反地，其目的是希望能涵蓋各種改變及具相等性之安排於本 創作所欲申請之專利範圍的範疇内。因此，本創作所申請之專利範圍的範 疇應根據上述的說明做最客觀且寬廣的解釋，以致使其涵蓋所有可能的 改變及具相等性的安排。 13 M379816 【圊式簡單說明】 圖一係繪示根據本創作之一具體實施例之資金相互借貸金融平 台裝置的功能方塊圖。 圖二係繪示圖一中之資金相互借貸金融平台裝置之内部各系統 模組的功能方塊圖。 【主要元件符號說明】 1:資金相互借貸金融平台裝置 10 :網站交易模组 12 :會員資料庫模組 14 :前台系統 140 :申請作業模組 142 :登入作業模組 16 :後台系統 161 :資訊揭示模组 162 :成交管理模組 163 :收付款作業模组 164 :催收作業模组 165 :額度核定模組 166 :額度控管模组 167 :風險核定模组 168 :還款保證模组As shown in Figure 1, the fund's mutual lending financial platform device can be used for fund borrowing transactions by fund demanders and fund providers. The financial mutual lending financial platform device J mainly includes a website transaction module 1 , a member database module 12 , a foreground system 14 and a background system 16 . The website transaction module 10 can be used for fund borrowing transactions by fund demanders and fund providers. The member database module 12 can be used to record the member information of the fund demander and the fund provider. 8 M379816 · The above-mentioned website transaction module ίο can be used by the fund demander to publicly raise the amount of funds required, the repayment method, the repayment period, the guarantee amount, etc., and the fund provider will refer to the funds according to his wishes. The public information of the demander, select the fund demander, and choose to set the guaranteed repayment ratio (0%~100%), then lend the funds to the selected capital demander. In addition, both the fund provider and the fund demander may also be friends and relatives who are familiar with the original. The two parties may set up the above-mentioned website transaction module 10 as undisclosed, and only use the inviting or closed method to carry out the fund lending of both parties. The above is a more common method of disclosure or closure, but not limited to it. The above member database module 12 may include the following materials: name, nickname, gender, identity card number, date of birth, phone number, mobile phone, address, email, credit, risk, etc., but not limited thereto. . The foreground system 14 mainly includes an application operation module 〇4〇 and a login operation module 142. The application operation module 14G is used for the consumer towel to become a fund demander or a money provider, and the operation module 142 is used for the fund demander or the fund provider to log in to the website for fund transaction. The background system 16 mainly includes an information disclosure module κι, a transaction management module π?, a payment and payment operation module 163, a collection operation mode group 164, a quota verification module 165, a quota control module 166, and a risk verification module. 167 and repayment guarantee module 168. The information disclosure module 161 is used for the fund demander to reveal the fund demand or conditional transaction management module 162 for managing the loan transaction of the fund demander and the fund provider, and the payment and payment operation module 163 is configured to process the receipt of the loan transaction. For the payment related operation, the collection operation module 164 subscribes to the relevant collection and control when the capital demander defaults, and the quota verification module 165 uses the fund demander to apply for the approved guarantee amount according to the will, and the quota control 166 to control the amount of funds with the amount of money can guarantee the balance of the balance, the mosquito test touches the 167 heart thief #金胄求者 level, repayment 9 M379816 guarantee module 168 for the fund provider to choose the fund guarantee Ratio. Please refer to Figure 2. Figure 2 is a functional block diagram showing the internal systems and modules of the financial mutual lending financial platform device 1 in Figure 1. As shown in FIG. 2, FIG. 2 is a diagram showing the most detailed and complete components included in the fund mutual lending financial platform device 1 of the present invention. The financial mutual lending financial platform device 1 mainly includes a website transaction module 10, a member database module 12, a foreground system 14 and a background system 16, and the foreground system 14 further includes an application operation module 14 and a login operation module 142. The background system 16 further includes an information disclosure module 161, a transaction management module 162, a payment and payment operation module 163, a collection operation module 164, a quota verification module 165, a quota control module 166, and a risk verification module. 167. As the funds proposed in this creation are mutually borrowed, the various modules included in the financial platform device 1 are numerous. Therefore, the modules in the mutual fund lending financial platform device 1 of the present creation will be further described and explained below. The above member database module 12 is used for recording the personal data, account information, login password, account management, etc. of the fund demander or the fund provider, and can also record the maximum amount and the guarantee amount of the capital demander. Risk level...etc. The application operation module 14 can be used by any network or entity consumer to apply for registration. After approval, the account information and self-set MM can be stored in the member database module 12. In addition, the login operation module 142 can be used to obtain the funds approved by the cap operation domain, or the funds can be provided with the account number and the secret login funds, and the financial information can be exchanged. The library module 12 performs related data maintenance. The back-end system 16 quota verification model & 165 is used to verify the capital demand, which can be guaranteed by 10 funds mutual lending financial platform device 1, the guarantee amount is provided to the fund provider to provide funds to choose The amount guaranteed. The repayment guarantee amount approved by the quota verification module 165 to the fund demander may be set to the repayment guarantee module 168 according to the free will of the fund provider, and the repayment guarantee is based on the fund. The provider's free willingness to make a guarantee request to the repayment guarantee module 168, and pay the guarantee fee to the fund mutual lending financial platform device 1 according to the requested guarantee ratio (0%~100%). If there is no application quota approved or the quota has been exhausted, the funds provided cannot be selected for repayment guarantee, and the fund provider must bear the late or unpaid amount. If the fund demander applies for the guarantee amount, but it is approved that the guarantee cannot be guaranteed, that is, if the guarantee amount is zero, then the funds provided by the fund demander cannot choose the repayment guarantee, and the fund provider has to bear the late payment or not. The amount paid. In the mutual fund lending financial platform device 1, the funds required by the capital demander may be provided by one or more fund providers, and when the funds of the fund demander are jointly provided by a plurality of fund providers, the guarantee amount may be In the order of transaction time or other prior agreement, the electronic transaction platform gives the fund provider individual repayment guarantee", and in the mutual fund lending financial platform device 1, the fund provider can provide funds for one or more funds demand Moreover, even the mutual funds lending financial platform device 1 can also act as a fund provider or a capital demander for fund supply or funding needs. As for the quota control module 166 in the background system 16, the available balance for controlling the amount of the guarantee of the amount of funds required, the fund provider can choose whether to agree on the repayment guarantee within the available balance of the guarantee amount. proportion. The risk verification module 167 is used to verify the risk level of the capital demander, and the risk level is the loan benefit of the person who can be used to verify the capital demand, M379816 rate or the guarantee fee of the fund provider. The loan interest rate approved by the risk verification module 167 is the upper limit of the borrowing interest rate of the capital demander. When the capital demander cannot meet the capital demand within the guaranteed amount, the mutual fund lending financial platform device 1 can provide the upper limit interest rate. Funds for fund users. The information disclosure module 161 is used for the fund demander to publicly disclose the information of the capital demand according to his or her free will. The information disclosure module 161 can disclose the information only to the specific fund provider. Funding requirements or conditions. In addition, the fund demander can also actively notify or recruit various fund providers by means of the information disclosure module 161 for e-mail, online information, instant messaging, and the like. The above-mentioned website transaction module 10 can also set a closed group for a specific fund provider and a capital demander to make a loan for the loan, for example, mutual loan of a relative or friend or fundraising of a acquaintance with a relationship, the website transaction module 10 can be set. For closure, only funds are used to borrow some of the modules or functions of the financial platform device 1. As for the transaction management module 162, it is used to determine whether the fund provider and the capital demander have reached a fund loan transaction, and to perform a loan transaction related operation of the fund demander and the fund provider. The payment and payment operation module 163, after the transaction management module confirms the completion of the fund loan transaction, according to the setting of the fund provider or the capital demander, in the specified period, period, period, account, amount, mode..... Etc., the progress of the relevant payment after the loan transaction. The payment and payment operation module 163 may, according to the agreement of the fund provider, withdraw funds from the designated financial account, credit card, cash card or any funds allowed by the financial platform device 1, and the payment and payment operation module 163 may The fund demander agrees to allocate funds to its designated financial account, credit card, cash card or any other pipeline that is allowed and feasible by the financial lending platform 1 . The payment and payment operation module 163 will specify the gold secret account, the credit time, the cash card or any funds mutually agreed by the fund S. Withdrawals and repayments are performed for the fund provider. Finally, if the fund demander defaults or fails to pay the repayment, the collection operation module 164 will carry out relevant collection, law, litigation, etc. related matters. In addition, the mutual fund lending financial platform device 1 can set a capital demand limit for the fund demandor according to legal norms, actual needs, prior agreement or other basis, regardless of whether the fund demander applies for the approved guaranteeable amount. The maximum amount of capital demand is the maximum amount of funds that the fund demander can obtain on the financial mutual lending financial platform device 1, but the upper limit of the capital demand amount is not necessarily, but is in compliance with legal norms, actual needs, prior agreement Or other factors may be used to modify and control the existing quota verification module 165, the quota control module 166 or the risk verification module 167. From the above detailed description of the preferred embodiment of the present invention, it can be clearly seen that the financial mutual lending financial platform device of the present invention is specifically for the direct borrowing of people, and is familiar to friends, relatives and friends. There is a grand and perfect use and value of borrowing with people. The features and spirit of the present invention are more clearly described in the above detailed description of the preferred embodiments, and the scope of the present invention is not limited by the preferred embodiments disclosed herein. On the contrary, it is intended to cover all kinds of changes and equivalences within the scope of the patent application to which this creation is intended. Therefore, the scope of the patent application filed by this creation should be interpreted in the most objective and broad manner based on the above description so that it covers all possible changes and equivalence arrangements. 13 M379816 [Simplified Description of the Mode] FIG. 1 is a functional block diagram showing a mutual financial lending financial platform device according to a specific embodiment of the present invention. Figure 2 is a functional block diagram of the internal system modules of the financial mutual lending financial platform device in Figure 1. [Main component symbol description] 1: Capital mutual lending financial platform device 10: Website transaction module 12: member database module 14: foreground system 140: application operation module 142: login operation module 16: background system 161: information The disclosure module 162: the transaction management module 163: the payment and payment operation module 164: the collection operation module 165: the quota verification module 166: the quota control module 167: the risk verification module 168: the repayment guarantee module