M422714 第臓m9m專利申請案補充、修正部分無劃線之說明書替換本 五、新型說明： 修正曰期：⑽年u月 【新型所屬之技術領域】 是：關於一種貸款系統，特別是指-種動態核 疋借貸額度及其利率之貸款系統。 【先前技術】 銀行執行借貸業務，除由銀行片面制定利率價格外， j須事歧料㈣㈣度後才能進行，近期有銀行藉由 貝訊科技的發達，導入傳統民間標會的機制，透過層芦的 審核機制及額度賦予，讓消費者可在透支額度内進行線上 標會及經營存借款行為，讓標會的財務狀態健全，減少倒 會的風險外’也讓消費者能藉由競標享有部分的價格自主 0 習知之中華民國專利證書第154239號自主性信用贷*欠 服務系統及其方法、帛16〇266號透支額度控管式融資管理 方法1咖㈣號網路安全標會之方法及系統、第 1283372號額度控管式之網路融資撮合交易方法，及第 I號線上資金競標交易方法與㈣，即是在電腦飼服 "建構平。，並進行線上標會的運作。以第160266號透 支額度控管式融資管理方法為例，該案係建構於一管理伺 服器上’並透過一網路伺服器於網際網路上運作。參閱圖1 :該方法包括有：一會員招募手段1〇1、一動態徵信調查手 ::2、一會員核定手段103、-透支額度控管手段104、 融貝小組成立手段105、一融資交易手段1〇6、一收款作 業手奴107，及一催收手段1〇8。其中，該會員招募手段 3 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正曰期：1〇〇年11月 101係供使用者提出加入會員申請。該動態徵信調查手段 102係針對加入會員者進行信用調查，調查内容至少包括信 用額度之確認與變更《該會員核定手段1〇3係根據會員之 仏用調查結果決定是否核可會員之加入申請。該透支額度 控管手段104，根據徵信調查結果賦予核准加入會員一透支 額度，並控管會員之透支額度是否超過核定額度。 上述運作之管理方法的管理伺服器，為有效控管客戶 的無擔保債務總餘額，並符合相關的主管機關法令及規範 ，必須如該會員核定手段103所示，在會員核准的階段就 連線財團法人金融聯合徵信中心進行信用額度之登錄，用 以保障銀行的風險。然而，此方式將造成使用者即使尚未 開始進行如融資小組成立手段105所示之貸款行為，在財 團法人金融聯合徵信中心所登錄的信用額度仍然被佔用及 虛增，導致使用者無法申請或無法足額申請其他無擔保債 務形式的資款，造成個人資金運用的不便及相關投資理財 行為的困擾。 如上所述，為了避免使用者未實際使用借貸卻在聯合 徵信中心所登錄的信用額度虛增，增加個人資金運用的靈 活度，有必要尋求解決之道。 【新型内容】 因此，本新型之目的，即在提供一種動態核定借資額 度及其利率之貸款系統。 於是，本新型動態核定借貸額度及其利率之貸款系統 ，供複數使用者端裝置透過網際網路連線而執行貸款申請 第100212291號專利申請案補充、修正部分關線之說明書替換本 、 修正曰期：100年U月 =並/、財團法人金融聯合徵信中心的信用資料庫連線。 該系統包含：-通訊模組、一與該通訊模組連接之處理模 、’且及儲存模組。該儲存模組儲存一與動態核定借貸額度 及其利率相關並供該處理模組執行的程式，該處理模组與 該儲存模組、該通訊模組及該信用資料庫協同配合執行動 態核定借資額度及其利率機制，該程式使該處理模组運作 如一會員登錄單元'-競標單元、一信用額度查核單元及 一匯款處理單元。 該會員登錄單元供每一使用者端裝置輸入一個人資料 而執行註冊，並依據該等個人資料計算出複數對應之貸款 額度值，爾後，再供每一使用者端裝置透過通訊模組登入 。該競標單元提供複數種貸款組合，每一貸款組合設有一 底標利率值、一競標規則及一競標時間，該競標單元供任 一登入的使用者端裝置輸入選擇其中一貸款組合，並供每 一使用者端裝置透過該通訊模组輸入一包括一競標利率值 的下標指令，當上述之貸款組合的競標時間結束後，依據 該競標規則決定至少一得標之使用者端裝置，並產生一結 標訊息。該接收上述結標訊息後，與該財團法人金融聯合 徵信中心的信用資料庫連線，該信用額度查核單元依據該 結標訊息及該個人資料傳送查詢請求至信用資料庫以取 得該個人資料所對應之剩餘的信用額度，若剩餘的信用額 度大於等於贷款額度值，則產生一核准訊息，並向信用資 料庫登錄此贷款額度值。該匯款處理單元接收該核准訊息 及遠結b訊息’並依據該已結標的貸款組合，自動地纪錄 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正曰期：1〇〇年11月 一匯款準備訊息於該儲存模組中。 本新型之功效在於讓欲借貸的使用者透過操作上述之 使用者端裝置，成功得標貸款組合後，才進行信用額度的 查核及登錄工作’避免虛增及佔用使用者在聯合徵信中心 所登錄的信用額度。 【實施方式】 有關本新型之前述及其他技術内容、特點與功效，在 以下配合參考圖式之二個較佳實施例的詳細說明中，將可 清楚的呈現。 在本新型被詳細描述之前，要注意的是，在以下的說 明内容中’類似的元件是以相同的編號來表示。 參閱圖2、3,本新型動態核定借貸額度及其利率之貸 认系統之第一較佳實施例，供複數使用者端裝置2透過網 際肩路3連線而執行貸款ΐ請’並包括-處理模組11、一 與一財團法人金融聯合徵信中心（簡稱聯徵中心）的信用 資料庫4連線的通訊模组！ 2 ’及—儲存模组13。在本第一 實包例中該等使用者端裝置2為執行網路瀏覽器的 ^ Λ電腦' 個人數㈣理、筆記型電腦或具備上網功能的 订動裝置’使用者侧用網路㈣1§進行操作。聯徵中心 的信用資料庫4與各家金融機構連線，提供必要的金融資 訊給獲得授權的金融機構。 較佳實施例的處理模組丨丨與該通訊模組12連接 關並供：：模組13儲存一與動態核定借貸額度及其利率相 關並供錢理模組11執行的程式⑶，該處理模組^與該 第歸㈣梅物充、修增無版說明書替換本 儲存模組13、該通訊模組12 =日㈣吟11月 行動態核定借貸額声及其㈣⑽用負料庫4協同配合執 驟使該處理模組u運作如一 下歹g 元μ、一信用額“核單元;ι :錄…u、-競標單 如步驟川所示，料員及一隨處理單元⑴。 、 、早兀* Hi供母一使用者端裝置 2透過網路劉覽器連線 她鞋署9 Μ 步驟512所示，若使用者 4裝置+未進行註冊造成無法登入則如步驟513所示 ，輸入一組個人資料執行註冊，其中，該個人資料包括一 姓名、一身份字號、—恭4 路_ ί一出生日、一職業、一帳號 社心’爾後’每-使用者端裝置2可以如步驟512 所示利用該帳號及該密碼完成登入。 另外，如步驟514所*，該會員登錄單元m根據上述 之該等個人資料計算出複數對應各該個人資料之貸款額度 值，例如ίο萬元、50萬元、1〇〇萬元等。 一當使用者透過使用者端裝置2登入之後，如步驟515 所7Γ Θ競；^單元112提供複數種貸款組合讓使用者透過使 用者端裝置2來選擇，每_貸款組合設有—底標利率值、 一繳款期數、一競標規則及一競標時間。舉例來說，某一 貸款組合的底標利率值& 3〇,代表每借i萬元每期另要 負擔30元的利息費用。該繳款期數可設為12期、18期、 24期等，但並不限於此。該競標規則可有不同的設定例 如： (一）競標規則以一競標利率值作為限制，設定為提 出一最高競標利率值但不限一人之使用者端裝置2得標， 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正曰期：100年U月 以提高銀行獲利。 (二）競標規則設為多個提出較高競標利率值者之使 用者端裝置2得標’讓多個使用者可以獲得貸款。 (二）承第二點，得標之多個使用者端裝置2係為一 指定比例之選擇該貸款組合之使用者端裝置2。例如該指定 比例為50%，若有1〇個使用者端裝置2選擇競標此貸款組 合’則將有5個使用者端裝置2得標。關於第一 '二、三 點所載之競標利率值，容後再述。 (四）競標規則設為參與競標之使用者端裝置2達到 一數量條件時，如50人，則自動地提前結束該競標時間。 該競標時間是指每一貸款組合中競標開始至結束的時 間，如7曰，或以固定曰期為準，如每周三或每月1Q曰， 均依據競標規則而有彈性地變化。由於各項貸款組合會因 競標時間結束而陸續地結標，因此該競標單元112週期性地 (如3日）自動推出新的貸款組合，以供使用者端裝置2 選取。 特別注意的是，上述底標利率值、繳款期數、各種競 心規則及競標時間可以搭配選用，以創造不同的貸款組人 〇 如步驟516所示，該競標單元112供任一登入的使用者 端裝置2輸入選擇其中一貸款組合，並供每一使用者端裝 置2輸入包括上述競標利率值的下標指令。舉例來說，某 一貸款組合的底標利率值為30,其十一使用者若要成為該 貸款組合的得標者，必須提出高於底標利率值的競標利率 第Hxm·號專利申請案補充、修正部分無劃線之說明書替換本 修正日期：100年11月 值如35，另一使用者若也要成為得標者，則必須再提高 競標利率值，如40，才有機會得標。 如步驟517所示，當上述之貸款組合的競標時間結束 後，依據該競標規則決定參加的使用者端裝置2是否得標 ，若未得標，則如步驟515 ~示，重新選取另一貸款組合 ’但並不限於此，也可以傳送訊息至客服系统，以通知客 服人員直接協助使用者。若成功得標，則產生一結標訊息 傳至該信用額度查核單元U3。 如步驟518所示，該信用額度查核單元113在接收上述 結標訊息後，與聯徵中心的信用資料庫4連線，並依據該 結標訊息及該個人資料傳送查詢請求至信用資料庫4，以取 得該個人資料所對應之剩餘的信用額度。傳送查詢請求的 目的是金管會目前對於無擔保債務，即債務人於全體金融 機構之無擔保債務歸戶後之總餘額除以平均月收入，規定 不宜超過22倍’舉例來說’若某f的平均月收人為5萬元 ，則其信用額度為110萬元。假設某甲已有1〇〇萬元之無擔 保債務，則其只剩下H)萬元的信用額度可以再向金融機構 以信用方式借款。 如步驟519所示，信用額度查核單元113收到信用資料 庫4的回覆訊息，以確認剩餘的信用額度是否大於等於該 貨款額度值。若是’則如步驟52〇所示，信用額度查核單 元113產生一核准訊息傳送至該匯款處理單元114，並向信 用資料庫4登錄此貸款額度值。回到步驟519所示，若剩 餘的信用額度小於貸款額度值，則產生一通知使用者端裝 M422714 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正曰期：1〇〇年11月 置2的核驳訊息’如電子郵件或簡訊’並如步驟515所示 ’導引該使用者端裝置2重新選取其他的貸款組合，或可 傳送一訊息至客服系統，以通知客服人員直接協助使用者 。特別注意的是，使用者於聯徵中心資料庫4所登錄的信 用額度直到競標完成且得標後才進行查核及額度登錄，可 以有效避免使用者於聯徵中心的信用額度被虛佔，影響資 金運用的靈活度。 如步驟521所示，該匯款處理單元114接收該核准訊息 及該結標訊息，並依據該已結標的貸款組合，自動地紀錄 一匯款準備訊息。在本第一較佳實施例中，該匯款準備訊 息是儲存於資料庫中供銀行指定人員查詢，也可以是一電 子郵件訊息主動寄送至銀行指定人員的電子信箱以進行後 續的匯款作業。使用者從註冊會員、選擇借貸組合下標， 直到結標取得貸款資格，都能利用使用者端裝置2自行完 成，對於使用者而言有極高的自由度及便利性，對於銀行 來說也能有效節省作業執行及人力支出。 ' 閱圖2、4,本新型之動態核定借貸額度及其利率^ 貸款系統之第二較佳實施例與該第一較佳實施例大致相择 ’和上述第—較佳實施例不同的是，該儲存模·组13所儲名 二弋31之會員登錄單元111設有複數群組及一審查基準 貝料’該等群組有複數相對應之最低競標利率值。如步辑 :22所不’該會員登錄單元111接收該等使用者端裝置2的 :人資料後，除計算貸款額度值外，更依據該: 料將該等使用者端裝置2指派至該等群組，用以 10 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正日期：100年11月 風險族群的使用者至不同的群組。而在步驟516中，該競 標單元112將每一參與貸款組合競標之使用者端裝置2初次 提交的競標利率值，預設為該使用者端裝置2所屬群組的 最低競標利率值。 舉例來說，依據個人資料，使用者Al、A2、A3屬於 高風險會員；使用者B1、B2、B3屬於中度風險會員；使用 者Cl、C2、C3屬於低風險會員，當該等使用者利用使用者 端裝置2註冊時，即被會員登錄單元111分類至屬於高風險 、中度風險、低風險的甲、乙、丙群組，而假設上述群組 所對應之最低競標利率值分別為50、40、30。假設競標單 元112提供X、Y、Z等三個貸款組合，其中該等貸款組合 的競標規則分別設定為限曱、乙、丙群組之使用者端裝置2 參與競標，則競標單元112自動地將使用者Al、Α2、A3 導入X貸款組合相互競標、使用者Bl、Β2、Β3導入Υ貸 款組合相互競標、使用者Cl、C2、C3導入Ζ貸款組合相 互競標。 另外一種風險管理的競標機制，是使用者Al、Α2、A3 、Bl ' Β2、Β3、Cl、C2、C3參與競標一不分群組之貸款 組合，相互加碼競標利率值做為競標依據，其中該貸款組 合之競標規則設為得標此貸款組合之使用者端裝置2，是在 其所屬群組中提交競標利率值高於底標利率值最多者。特 別注意的是，雖然該等使用者競標的是同一貸款組合，但 由於該等使用者屬於不同的群組，因此也各有不同的最低 競標利率值。 M422714 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正曰期：100年11月 例如，該貸款組合的底標利率值為30，基本上應該從 30開始競標，但是屬於高風險之甲群組的最低競標利率值 為50，所以分類為甲群組的使用者必須從5〇開始競標，另 外’分類為中度風險的使用者亦同，從40開始競標，而分 類為低風險的使用者則可從30開始競標。 假設，各群組之使用者競標時的競標利率值如下： 曱群組（高風險）之使用者A1透過使用者端裝置2在 貸款組合中加價5元以55元競標； 甲群組之使用者A2加價1〇元以6〇元競標； 曱群組之使用者A3加價20元以70元競標； 乙群組（中度風險）之使用者B1加價5元以45元競 標； 乙群組之使用者B2加價1〇元以5〇元競標； 乙群組之使用者B3加價20元以60元競標； 丙群組（低風險）之#用去r, tc _ 、取）<便用者Cl加價5兀以35元競標 丙群組之使用者㈡加價1〇元以40元競標；及 丙群組之使用者C3加價2G元以別元競標， 依據競標規則，由各群組中加碼最多的A3、B3及C3 若競標規則改為由提出最高競標利率值之使用者 π裝置2付標’則僅由使用者八3以最高的競標利率值 付標。 制， 12 M422714 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正日期：100年11月 競標活動得標後，才開始進行信用額度查詢及登錄的作業 ，避免出現使用者尚未正式借款，但卻發生信貸額度於聯 徵中心紀錄裡被虛佔之情事，讓使用者更能靈活運用資金 ，故確實能達成本新型之目的。 惟以上所述者，僅為本新型之較佳實施例而已，當不 能以此限定本新型實施之範圍，即大凡依本新型申請專利 範圍及新型說明内容所作之簡單的等效變化與修飾，皆仍 屬本新型專利涵蓋之範圍内。 【圖式簡單說明】 圖1是-流程方塊圖’說明習知之一融資系統 流程； 圖2是一系統方塊圖，說明本新型之動態核定借貸額 度及其利率之貸款祕之第—及第二較佳實施例. 戶及= 是一流程方塊圖’說明本新型之動態核定借贷額 -及其利率之貸款系統之第一較佳實施例的運作流程；及 圖4是一流程方塊圖，說明本新型 度及其利率之，欠夺统之第1#眚&動‘“玄疋借貸額 千您、认糸，，允之第一較佳實施例的運作流程。 13 M422714 第100212291號專利申請案補充、修正部分無劃線之說明書替換本 修正日期：100年11月 【主要元件符號說明】 11…… …·處理模組 13......... •儲存模組 111… •…會員登錄單元 131 ....... ‘程式 112… •…競標單元 2 .......... •使用者端裝置 113… •…信用額度查核單元 3 .......... 網際網路 114… …匯款處理單元 4 .......... 信用資料庫 12…… •…通訊模組 511-524 步驟 14M422714 Dijon m9m patent application supplement, amendment part of the unlined instructions to replace this five, new description: Correction period: (10) year u month [new technology domain] is: about a loan system, especially A dynamic loan system for lending credits and interest rates. [Prior Art] The bank performs the lending business. Except for the bank's one-sided interest rate price, j must be disregarded (4) (four) degrees before it can be carried out. Recently, the bank has introduced the mechanism of the traditional civil standard through the development of Beixun Technology. Lu's review mechanism and quotas allow consumers to conduct online bidding and operating deposits and borrowings within the overdraft limit, so that the financial status of the standard will be sound and the risk of reversal will be reduced, and consumers will be able to enjoy the bidding. Part of the price autonomy 0 Conventional Republic of China Patent Certificate No. 154239 Autonomous Credit Loan* owed service system and its method, 帛16〇266 overdraft limit control financing management method 1 Coffee (four) network security standard method And the system, the No. 1283372 quota-controlled network financing matching transaction method, and the No. I online fund bidding transaction method and (4), that is, in the computer feeding service " construction level. And carry out the operation of the online standard meeting. For example, in the 1602666 overdraft control financing management method, the case is constructed on a management server and operates on the Internet through a web server. Referring to Figure 1: The method includes: a member recruitment means 1, a dynamic credit investigation hand:: 2, a member verification means 103, - an overdraft limit control means 104, a Rongbei group establishment means 105, a financing Trading means 1〇6, one receiving operation slave 107, and one collection means 1〇8. Among them, the member recruitment method 3 No. 100212291 patent application supplement, the amendment part of the unlined manual replacement this amendment period: 1 year November 101 for the user to submit membership application. The dynamic credit investigation means 102 conducts a credit investigation for the joining members, and the survey content includes at least the confirmation and change of the credit limit. "The member verification means 1 〇 3 determines whether to approve the membership application based on the member's survey results. . The overdraft limit control means 104 grants an approved overdraft amount to the member according to the result of the credit investigation, and controls whether the overdraft limit of the member exceeds the approved amount. The management server of the above-mentioned management method is to effectively control the total unsecured debt balance of the customer and comply with the relevant authorities' laws and regulations. It must be connected at the member approval stage as indicated by the member verification means 103. The Financial Joint Credit Information Center of the Corporation has registered the credit line to protect the risks of the bank. However, this method will cause the user to enter the credit line as indicated by the financing group establishment means 105, and the credit line registered in the Financial Joint Credit Information Center of the consortium is still occupied and inflated, resulting in the user being unable to apply or The inability to apply for other unsecured debts in full will result in inconvenience in the use of personal funds and related investment and financial management practices. As mentioned above, in order to avoid the user's actual use of borrowing but the credit line registered in the joint credit center is inflated and the flexibility of the use of personal funds is increased, it is necessary to seek a solution. [New content] Therefore, the purpose of the present invention is to provide a loan system that dynamically approves the amount of borrowing and its interest rate. Therefore, the new type of dynamic approval of the loan quota and the interest rate loan system for the plurality of user-side devices to perform the loan application through the Internet connection, the patent application No. 100212291 is supplemented, and the revised part of the manual is replaced by the revised version. Period: 100 years U month = and /, the credit database of the Financial Joint Credit Information Center of the Corporation. The system comprises: a communication module, a processing module connected to the communication module, and a storage module. The storage module stores a program associated with the dynamic approved debit amount and its interest rate for execution by the processing module, and the processing module cooperates with the storage module, the communication module and the credit database to perform dynamic verification The quota and its interest rate mechanism, the program enables the processing module to operate as a member login unit's bidding unit, a credit limit checking unit and a remittance processing unit. The member login unit performs registration for each user device to input a person profile, and calculates a plurality of loan amount values according to the personal data, and then each user device logs in through the communication module. The bidding unit provides a plurality of loan combinations, each loan combination has a bottom rate value, a bidding rule and a bidding time, and the bidding unit is used for inputting one of the loan combinations for any of the logged-in user devices, and for each loan combination. a user terminal device inputs a subscript instruction including a bid rate value through the communication module, and when the bidding time of the loan combination ends, determining at least one of the winning user equipments according to the bidding rule, and generating A knotted message. After receiving the above-mentioned binding information, the credit information database is connected with the credit information center of the financial association of the financial corporation, and the credit amount checking unit transmits the inquiry request to the credit database according to the binding information and the personal data to obtain the personal data. If the remaining credit limit is greater than or equal to the loan credit value, an approval message is generated, and the loan credit value is registered with the credit database. The remittance processing unit receives the approval message and the far-end b message' and automatically records the supplement of the patent application No. 100212291 according to the closed loan combination, and replaces the unlined specification to replace the revised period: 1〇〇 In November, a remittance preparation message is stored in the storage module. The function of the new model is to allow the user who wants to borrow to successfully check the loan portfolio after operating the above-mentioned user-side device, and then check the credit limit and log in to avoid the inflated and occupied users in the joint credit center. The credit line of the login. The above and other technical contents, features and effects of the present invention will be apparent from the following detailed description of the preferred embodiments. Before the present invention is described in detail, it is to be noted that in the following description, similar elements are denoted by the same reference numerals. Referring to Figures 2 and 3, a first preferred embodiment of the present invention for dynamically debiting a credit line and its interest rate crediting system is provided for the plurality of user terminal devices 2 to perform a loan request through the internet shoulder 3 connection and includes - The processing module 11 and a communication module connected with the credit database 4 of the Financial Association Credit Information Center (referred to as the Linkage Center)! 2' and - storage module 13. In the first actual package example, the user device 2 is a computer that performs a web browser. The number of personal computers (four), the notebook computer, or the mobile device with the Internet access function user's network (4) 1 § Operate. The Credit Database 4 of the Linkage Center is linked to various financial institutions to provide the necessary financial information to authorized financial institutions. The processing module of the preferred embodiment is connected to the communication module 12 and is configured to: the module 13 store a program (3) associated with the dynamically approved loan amount and its interest rate and executed by the money management module 11 The module ^ and the first (four) plum charge, repair and no version of the manual replace the storage module 13, the communication module 12 = day (four) 吟 November dynamic verification of the loan amount and (4) (10) with the negative library 4 In conjunction with the operation, the processing module u operates as follows: 歹g元μ, a credit amount “nuclear unit; ι:record...u,-bidding list as shown in step Chuan, the material member and the accompanying processing unit (1). Early 兀* Hi for the mother-side device 2 connects to her shoe department through the network browser. Step 512, if the user 4 device+ is not registered and cannot log in, as shown in step 513, enter A set of personal data is registered, wherein the personal data includes a name, an identity font, a Christine 4 road _ ί a birthday, a career, an account social heart 'after', each user device 2 can be as follows The account number and the password are used to complete the login as shown in 512. In addition, as in step 514. *, the member registration unit m calculates a loan amount value corresponding to each of the personal data according to the personal data described above, for example, ο 万元 10,000 yuan, 500,000 yuan, 10,000 yuan, etc. After the terminal device 2 logs in, as shown in step 515, the unit 112 provides a plurality of loan combinations for the user to select through the user device 2, and each _ loan combination has a bottom rate value and a payment period. The number, the bidding rule and the time of bidding. For example, the benchmark interest rate value of a loan portfolio & 3, representing an additional interest of 30 yuan per period of each borrowed i million yuan. It can be set to 12, 18, 24, etc., but it is not limited to this. The bidding rules can have different settings, for example: (1) The bidding rule is based on a bidding interest rate value and is set to propose a maximum bidding interest rate value. However, the user-side device 2 is not limited to one, and the patent application No. 100212291 is supplemented and the revised part is not marked. The revised period is replaced by the U-month of 100 years to improve the profit of the bank. For multiple submissions The user-side device 2 of the high bid-off rate value winner is entitled to 'allow multiple users to obtain the loan. (b) According to the second point, the plurality of user-side devices 2 that are awarded the bid are selected for a specified proportion of the loan. The user terminal device 2 is combined. For example, the specified ratio is 50%, and if one user device 2 selects to bid for the loan combination, then five user devices 2 will be awarded. About the first 'two The value of the bidding rate contained in the three points will be described later. (4) When the bidding rule is set to the number of conditions for the user device 2 participating in the bidding, such as 50 persons, the bidding time is automatically terminated early. The bidding time refers to the time from the start to the end of the bidding in each loan portfolio, such as 7曰, or the fixed period, such as every Wednesday or 1Q每月, which varies flexibly according to the bidding rules. Since the loan portfolios are successively closed due to the end of the bidding time, the bidding unit 112 automatically launches a new loan portfolio periodically (e.g., 3rd) for the user terminal device 2 to select. It is particularly noted that the above-mentioned base rate value, the number of payment periods, various competition rules, and the bidding time can be selected in combination to create different loan groups. As shown in step 516, the bidding unit 112 is available for any login. The user terminal device 2 inputs and selects one of the loan combinations, and each user device 2 inputs a subscript instruction including the above bid rate value. For example, if the underlying rate of a loan portfolio is 30, and the eleven users who want to become the winner of the loan portfolio, they must submit a bid rate Hxm· patent application that is higher than the benchmark interest rate. Supplement and correct some unlined instructions to replace the date of this amendment: the value of November 100 is 35, and if another user wants to be the winner, you must raise the bid rate, such as 40, to get the opportunity. . As shown in step 517, after the bidding time of the loan combination is completed, the user equipment 2 participating in the bidding process is determined according to the bidding rule. If the bidding is not obtained, the other loan is re-selected as shown in step 515~. Combination 'but not limited to this, you can also send a message to the customer service system to inform the customer service staff to directly assist the user. If the bid is successful, a binding message is generated and transmitted to the credit limit checking unit U3. As shown in step 518, the credit limit checking unit 113 connects with the credit database 4 of the association center after receiving the above-mentioned binding information, and transmits a query request to the credit database 4 according to the binding information and the personal data. In order to obtain the remaining credit line corresponding to the personal data. The purpose of transmitting the inquiry request is that the current management of the unsecured debt, that is, the total balance of the debtor’s unsecured debts of all financial institutions, divided by the average monthly income, shall not exceed 22 times. 'For example, if a certain f The average monthly income is 50,000 yuan, and its credit limit is 1.1 million yuan. Assuming that a certain company has an unsecured debt of RMB 10,000, only the credit limit of H) of RMB can be borrowed from the financial institution by credit. As shown in step 519, the credit limit checking unit 113 receives the reply message from the credit database 4 to confirm whether the remaining credit limit is greater than or equal to the payment amount value. If yes, then as shown in step 52, the credit limit checking unit 113 generates an approval message to the remittance processing unit 114, and registers the loan amount value with the credit database 4. Returning to step 519, if the remaining credit limit is less than the loan amount value, a notification is sent to the user to install the M422714 patent application No. 100212291, and the revised part is not crossed. The replacement period is: 1〇〇 In November of the year, the verification message 'such as email or newsletter' is set to 2, and as shown in step 515, the user device 2 is guided to re-select other loan combinations, or a message can be sent to the customer service system to notify the customer service. The person directly assists the user. It is particularly important to note that the user's credit limit registered in the Linkage Center database 4 will not be checked and the quota will be registered until the bid is completed, which can effectively avoid the user's credit limit at the Linkage Center being occupied. The flexibility of the use of funds. As shown in step 521, the remittance processing unit 114 receives the approval message and the settlement message, and automatically records a remittance preparation message based on the closed loan combination. In the first preferred embodiment, the remittance preparation information is stored in a database for inquiry by a bank designated person, or an e-mail message may be sent to an e-mail address of a bank designated person for subsequent remittance operations. The user can complete the loan from the registered member and the loan combination combination until the completion of the loan, and the user terminal device 2 can complete the user's own device 2, which has high degree of freedom and convenience for the user, and is also convenient for the bank. Can effectively save job execution and labor costs. 'Viewing Figures 2 and 4, the dynamic approved debit amount of the present invention and its interest rate ^ The second preferred embodiment of the loan system is substantially different from the first preferred embodiment' and is different from the above-described preferred embodiment The member registration unit 111 of the storage model group 13 has a plurality of groups and a review criteria. The group has a plurality of corresponding minimum bid rate values. For example, if the member registration unit 111 receives the user data of the user device 2, in addition to calculating the loan amount value, the user terminal device 2 is assigned to the user equipment 2 The group is replaced by the supplement of the patent application No. 100212291, and the revised part without the scribe line replaces the revision date: the user of the risk group in November 100 to a different group. In step 516, the bidding unit 112 presets the bidding interest rate value initially submitted by the user terminal device 2 participating in the loan portfolio bidding to the lowest bidding interest rate value of the group to which the user equipment 2 belongs. For example, according to personal data, users Al, A2, and A3 are high-risk members; users B1, B2, and B3 are moderate risk members; users Cl, C2, and C3 are low-risk members, and such users When the user terminal device 2 is registered, it is classified by the member registration unit 111 to the group A, B, and C belonging to high risk, medium risk, and low risk, and the minimum bid rate corresponding to the group is assumed to be 50, 40, 30. It is assumed that the bidding unit 112 provides three loan combinations of X, Y, Z, etc., wherein the bidding rules of the loan portfolios are respectively set to the user equipment 2 of the limited, B, and C groups participating in the bidding, and the bidding unit 112 automatically The users Al, Α2, and A3 are introduced into the X loan portfolio for mutual bidding, the users Bl, Β2, Β3 are introduced, the loan portfolios are mutually competitive, and the users Cl, C2, and C3 are introduced into the loan portfolio for mutual bidding. Another risk management bidding mechanism is that the users Al, Α2, A3, Bl' Β2, Β3, Cl, C2, C3 participate in the bidding and non-group loan combination, and the mutual bidding bid rate value is used as the bidding basis. The bidding rule of the loan portfolio is set to be the user device 2 of the loan portfolio, and the bidding interest rate value is higher than the bottom rate value in the group to which it belongs. Of particular note is that although these users are bidding for the same loan portfolio, they also have different minimum bid rate values because they belong to different groups. M422714 Patent Application No. 100212291 Supplementary, Amendment Partially Unlined Instructions Replace this revision period: 100 years November, for example, the loan package's underlying rate value is 30, basically should start bidding from 30, but it is high The minimum bid rate for risk group A is 50, so users classified as Group A must start bidding from 5〇, and users who are classified as moderate risk are also bidding from 40, and classified as Low-risk users can start bidding from 30. Assume that the bidding interest rate values of the users of each group are as follows: 曱 Group (high risk) user A1 bids 5 yuan in the loan portfolio through the user device 2 to bid for 55 yuan; A2 price increase of 1 yuan to bid for 6 yuan; 曱 group user A3 price 20 yuan to 70 yuan bid; group B (moderate risk) user B1 mark 5 yuan to 45 yuan bid; The user B2 increases the price by 1 yuan to bid for 5 yuan; the user B of the group B increases the price by 20 yuan to bid 60 yuan; the group C (low risk) # goes to r, tc _, takes) < User Cl increases the price by 5兀 to 35 yuan to bid for the user of group C. (2) The price increase is 1 yuan to bid for 40 yuan; and the user of group C increases the price of 2G yuan to bid for the other party. According to the bidding rules, each group If the bidding rule is changed to the user π device 2 that proposes the highest bid rate value, then the user 8-3 will only pay the highest bid rate value. System, 12 M422714 Patent Application No. 100212291 Supplementary, Amendment Partially Unlined Instructions Replacement of this Amendment Date: After the bidding activity in November of 100 years, the credit limit inquiry and login operation will be started to avoid the user not yet Formal borrowing, but the credit line was squandered in the records of the Linkage Center, allowing users to use the funds more flexibly, so it can achieve the purpose of this new type. However, the above description is only a preferred embodiment of the present invention, and the scope of the present invention cannot be limited thereto, that is, the simple equivalent change and modification made by the novel patent application scope and the novel description content, All remain within the scope of this new patent. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow block diagram illustrating one of the conventional financing system flows; FIG. 2 is a system block diagram illustrating the dynamic approval of the loan quota and its interest rate loan secrets - and second The preferred embodiment. The user and = is a process block diagram illustrating the operational flow of the first preferred embodiment of the dynamic approved loan amount of the present invention and its interest rate loan system; and FIG. 4 is a flow block diagram illustrating The new degree and its interest rate, the first 1#眚&“' Xuanxuan borrowing amount is thousands of you, the first, and the first preferred embodiment. 13 M422714 Patent No. 100212291 Replacement of the application, amendment of the part without a line to replace the date of this amendment: 100 years November [main symbol description] 11 ... ... processing module 13 ... ... • storage module 111... • Member Login Unit 131 ....... 'Program 112... •...Biding Unit 2 ........... User Side Device 113... •... Credit Limit Check Unit 3 .... ...... Internet 114... Remittance Processing Unit 4 .......... Credits Library 12 ...... • ... communication module 511-524 Step 14