TWM488068U - 借貸媒合平臺系統 - Google Patents

借貸媒合平臺系統 Download PDF

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Publication number
TWM488068U
TWM488068U TW102223537U TW102223537U TWM488068U TW M488068 U TWM488068 U TW M488068U TW 102223537 U TW102223537 U TW 102223537U TW 102223537 U TW102223537 U TW 102223537U TW M488068 U TWM488068 U TW M488068U
Authority
TW
Taiwan
Prior art keywords
lending
lender
platform system
investor
transaction
Prior art date
Application number
TW102223537U
Other languages
English (en)
Inventor
Kuo-Liang Hsu
Original Assignee
Global Opto Technology Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Global Opto Technology Corp filed Critical Global Opto Technology Corp
Priority to TW102223537U priority Critical patent/TWM488068U/zh
Publication of TWM488068U publication Critical patent/TWM488068U/zh
Priority to JP2014243955A priority patent/JP2015115064A/ja
Priority to HK14112268.4A priority patent/HK1198572A2/zh
Priority to US14/564,028 priority patent/US20150170270A1/en
Priority to KR2020140009073U priority patent/KR20150002436U/ko
Priority to EP14197491.5A priority patent/EP2884452A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Claims (10)

  1. 一種借貸媒合平臺系統，該系統包含伺服器以及使用端，該伺服器包含：申請作業單元，用以提供使用者申請成為貸款者或投資者；會員資料單元，用以記錄該貸款者和該投資者之會員資料；風險審核單元，用以審核該貸款者之信用評等；以及交易媒合單元，耦合至該申請作業單元、該會員資料單元和該風險審核單元，用以提供該貸款者和該投資者進行借貸交易媒合，其中該使用端實質上係透過雲端網路連結該伺服器，使該貸款者和該投資者讀取或輸入該會員資料。
  2. 如請求項1所述之借貸媒合平臺系統，其中該信用評等係根據信用評等參數審核出該貸款者之信用評等等級，使該投資者依該信用評等等級決定投資金額。
  3. 如請求項1所述之借貸媒合平臺系統，其中該使用者包含自然人。
  4. 如請求項1所述之借貸媒合平臺系統，其中該伺服器更包含借貸資訊單元，耦合至該交易媒合單元，用以提供該貸款者發布資金需求信息，並提供該投資者該資金需求信息和投資信息。
  5. 如請求項4所述之借貸媒合平臺系統，其中該投資信息包含投資比例和利息，並根據該投資比例計算出該利息。
  6. 如請求項5所述之借貸媒合平臺系統，其中該交易媒合單元係根據該投資比例提供一位或多位投資者。
  7. 如請求項1所述之借貸媒合平臺系統，其中該伺服器更包含合約審核單 元，耦合至該交易媒合單元，用以簽訂該貸款者和該投資者之合約作業。
  8. 如請求項1所述之借貸媒合平臺系統，其中該伺服器更包含成交資金管理單元，耦合至該交易媒合單元，用以管理該貸款者和該投資者之成交資金交易作業，包含撥款、還款及借貸手續費處理。
  9. 如請求項1所述之借貸媒合平臺系統，其中該伺服器更包含財務管理單元，耦合至該交易媒合單元，用以監控該貸款者和該投資者之財務作業，包含收付款、催收款及呆帳處理。
  10. 如請求項1所述之借貸媒合平臺系統，其中該會員資料包含個人身分資料、會員帳號及會員密碼。
TW102223537U 2013-12-13 2013-12-13 借貸媒合平臺系統 TWM488068U (zh)

Priority Applications (6)

Application Number Priority Date Filing Date Title
TW102223537U TWM488068U (zh) 2013-12-13 2013-12-13 借貸媒合平臺系統
JP2014243955A JP2015115064A (ja) 2013-12-13 2014-12-02 貸借仲介のプラットフォームシステム
HK14112268.4A HK1198572A2 (zh) 2013-12-13 2014-12-05 借貸撮合平台系統
US14/564,028 US20150170270A1 (en) 2013-12-13 2014-12-08 Loan matching platform system
KR2020140009073U KR20150002436U (ko) 2013-12-13 2014-12-09 대출 중개 플랫폼 시스템
EP14197491.5A EP2884452A1 (en) 2013-12-13 2014-12-11 Loan matching platform system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
TW102223537U TWM488068U (zh) 2013-12-13 2013-12-13 借貸媒合平臺系統

Publications (1)

Publication Number Publication Date
TWM488068U true TWM488068U (zh) 2014-10-11

Family

ID=52103056

Family Applications (1)

Application Number Title Priority Date Filing Date
TW102223537U TWM488068U (zh) 2013-12-13 2013-12-13 借貸媒合平臺系統

Country Status (6)

Country Link
US (1) US20150170270A1 (zh)
EP (1) EP2884452A1 (zh)
JP (1) JP2015115064A (zh)
KR (1) KR20150002436U (zh)
HK (1) HK1198572A2 (zh)
TW (1) TWM488068U (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107122937A (zh) * 2017-04-27 2017-09-01 电子科技大学 一种基于区块链的货运物流应用方法
TWI810533B (zh) * 2021-03-08 2023-08-01 玉山商業銀行股份有限公司 財力證明方法與系統

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US20170024813A1 (en) * 2015-07-22 2017-01-26 MB Technology Partners Ltd. System and Method for Provisioning Financial Transaction Between a Lender and a Borrower
CN106127363B (zh) * 2016-06-12 2022-04-15 腾讯科技（深圳）有限公司 一种用户信用评估方法和装置
KR101842276B1 (ko) * 2016-08-24 2018-05-04 김시내 피투피(p2p) 투자 중개 매칭 시스템
KR101970387B1 (ko) * 2016-12-07 2019-04-18 김해동 투자 모집 기반 대출 금융 서비스의 투자 및 비즈니스 협력 정보 제공 방법 및 그 장치
TWI777991B (zh) * 2017-11-22 2022-09-21 互立金交易平台股份有限公司 資金交易平台
CN107895311A (zh) * 2017-12-08 2018-04-10 微神马科技（大连）有限公司 一种订单匹配分发的方法和装置
CN108090738A (zh) * 2017-12-19 2018-05-29 浙江氢创投资有限公司 一种基于网络的投融资方法及投融资系统
CN108564286B (zh) * 2018-04-19 2021-01-22 天合泽泰（厦门）征信服务有限公司 一种基于大数据征信的人工智能金融风控授信评定方法和系统
CN109064321A (zh) * 2018-10-31 2018-12-21 曾文华 一种自动借贷系统及方法
US10985995B2 (en) 2018-11-28 2021-04-20 Bank Of America Corporation Dynamic engine for matching computing devices based on user profiles and machine learning
CN110929223B (zh) * 2019-11-14 2022-05-17 中国科学技术大学 债权转让匹配方法、系统、设备及介质
CN111131389B (zh) * 2019-11-25 2022-06-24 重庆工程学院 一种信用业务服务平台及其数据管理方法
TWI763226B (zh) * 2020-12-31 2022-05-01 彰化商業銀行股份有限公司 依還款資訊調整可再次核貸金額的系統及其方法
CN113011972B (zh) * 2021-04-28 2022-05-31 中数智创科技有限公司 基于供应链的金融安全交易系统
KR102665063B1 (ko) * 2021-06-09 2024-05-13 집스 주식회사 전세보증금 브릿지론 서비스 제공 시스템 및 방법
TWI829241B (zh) * 2022-07-11 2024-01-11 新光人壽保險股份有限公司 媒合系統

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JP2001216403A (ja) * 2000-02-04 2001-08-10 Hiroshi Shirakawa オークションシステム及びオークション方法
JP2001338140A (ja) * 2000-05-29 2001-12-07 Swiss Private Fund Kk 融資仲介方法
JP2001357327A (ja) * 2000-06-15 2001-12-26 Cyber Links Kk 仲介方法及び仲介システム
JP2005134937A (ja) * 2002-10-15 2005-05-26 Kagoshima Bank Ltd 融資審査システム及び融資審査プログラム
JP2010040003A (ja) * 2008-08-08 2010-02-18 Promise Co Ltd 個人間融資仲介システム、個人間融資仲介方法及びコンピュータプログラム
JP2010231268A (ja) * 2009-03-25 2010-10-14 Sbi Prosper Kk 投資システム
GB201112449D0 (en) * 2011-07-20 2011-08-31 Wright Martin J Peer-to-peer lending method and system
AU2013221926A1 (en) * 2012-08-28 2014-03-20 Clearmatch Holdings (Singapore) PTE. LTD. Methods and systems for consumer lending

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107122937A (zh) * 2017-04-27 2017-09-01 电子科技大学 一种基于区块链的货运物流应用方法
TWI810533B (zh) * 2021-03-08 2023-08-01 玉山商業銀行股份有限公司 財力證明方法與系統

Also Published As

Publication number Publication date
EP2884452A1 (en) 2015-06-17
US20150170270A1 (en) 2015-06-18
HK1198572A2 (zh) 2015-05-15
KR20150002436U (ko) 2015-06-23
JP2015115064A (ja) 2015-06-22

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