TWM535368U - Claim trusting and trading platform - Google Patents

Description

Creditor trust and trading platform

This creation is about a creditor trust and trading platform, especially a real estate debt trading platform that provides real estate claims to unspecified people trading platforms through fair third party trusts and divisions.

Generally, individuals have to make loans with banks, which can usually be divided into two types: personal credit consumer loans and real estate loans. Personal credit consumption loans are mostly low loan amount, short loan period, and collateral-free. The review of nuclear loans is mainly based on the credit status of the borrower itself (also known as the joint report). If the loan amount is high, the bank usually asks for real estate mortgage as a guarantee for the loan. The borrower must sign a loan contract with the bank and propose the real estate of the borrower or others to the bank as a guarantee for the loan to set the maximum mortgage. Both the loan contract and the mortgage of the house are necessary procedures for the general bank to handle the house loan. It is not only the creditor's right of the guarantee bank itself, but also the borrower's repayment obligation. However, for banks or lending financial institutions, although they have obtained a long-term debt asset, they have also lost the liquidity of funds.

In order to solve this problem, Zhongfang Dihe's Republic of China Patent I390462 "bidding-type online debt financing method", as shown in Figure 1, provides a network credit bidding platform, including the following steps: Will apply, confirm the identity, the management unit sets the creditor object, the investor sets the bidding conditions, conducts the match and guarantees the creditor's rights. The focus of this patent is The online creditor bidding platform will first classify the creditor's rights items into Class A: low-risk low-income; Class B: moderate-risk moderate-income; and Class C: high-risk high-income, and classify investors into Category A: Risk enthusiasts and bidding for Class C credits; Category B: risk neutrals and bidding for certain types of debts of Class B; Category C: risk repellents and bidding for Class A credits; and Ding. They believe that this can effectively use the Internet to finance the financing of debts, to provide investors with a reasonable return on investment, and to provide a refinancing pipeline for managing claims. However, for investors, investing a large sum of money on the Internet once, and without the witness of a fair third party, can not help but deter.

Although there is already a prior art to expose the use of the online bidding platform for refinancing of creditor's rights, it lacks a sense of trust and risk dispersion, so that there is no interest.

This creation provides a creditor trust and trading platform that can deliver the debts to be financed to an impartial third-party unit trust. The trust unit can be divided into a plurality of smaller claims based on the value of the original claims, and then provided to the unspecified investors. Make an investment.

The credit trust and trading platform provided by this creation has more secure third-party unit trusts, which makes online debt financing/transaction more secure. Moreover, the trust unit can divide the original creditor's rights into a plurality of smaller claims, greatly reducing the threshold of investment, and also has the effect of diversifying risks.

100‧‧‧ Borrower Personal Computer

110‧‧‧Investor personal computer

200‧‧‧Server

210‧‧‧ Identity Confirmation Module

220‧‧‧ receiving module

230‧‧‧Upper module

240‧‧‧Transaction module

250‧‧‧Settlement Module

300‧‧‧trust unit

310‧‧‧Price Module

320‧‧‧Segment Module

400‧‧‧Network

Figure 1 is a flow chart of I3904625.

Figure 2 is a schematic diagram of the module of this creation.

Figure 3 is a flow chart of this creation.

Please refer to Figure 2, which provides a creditor trust and trading platform. According to the schematic diagram of the module diagram of FIG. 2, the transaction platform is stored in a server 200 and connected to the borrower's personal computer 100 and the investor's personal computer 110 via the network 400. First, the borrower will pass through the personal computer 100. The online transaction platform in the server 200 is connected to the network 400. The online transaction platform in the server 200 determines the login status through the identity confirmation module 210, wherein the identity confirmation conditions include: identity card number, bank account, birthday, Information on work, address and income. When the identity confirmation module 210 completes the identity verification of the borrower, the borrower is required to upload the credit object data through the network 400 through the personal computer 100, and the online transaction platform in the server 200 stores the credit object data through the receiving module 220. The creditor object information may include: a house, a car, an installment purchase and sale credit, a lease credit, a loan credit, and the like. The credits will be transmitted to the external trust unit 300 via the receiving module 220 via the network 400. The trust unit 300 here may be a bank, a lawyer or a notary. After receiving the credit, the trust unit 300 first passes the pricing module. The group 310 evaluates its value and then divides the credit object into a plurality of subordinated claims by the segmentation module 320. The segmented secondary creditor items are transmitted by the segmentation module 320 to the shelf module 230 of the online trading platform within the server 200 for display by the network 400 for unspecified investors. If an investor is interested in investing in the subordinated creditor object, the personal computer 110 may be connected through the network 400, first determine the login identity through the identity confirmation module 210, and then subscribe through the transaction module 240, where The subscription can be a sub-debt object that subscribes for one unit at a time, or a sub-debt object of multiple units, and can be subscribed by means of bidding. When the transaction module 240 When the transaction record is completed, the settlement module 250 notifies the investor 110 to make a payment, and the payment here can be completed through the gold flow system of the trading platform 200 or through the golden flow system of the trust unit 300. It is worth noting that after the trust unit 300 divides the credit object into a plurality of sub-debt objects through the segmentation module 320, a trust property distribution table can also be produced to ensure the rights and interests of each investor, and After completing the settlement process, the investor who has paid the investment amount is indicated in the list of owners of the trust property distribution form. The segmentation procedure of the segmentation module 320 may be based on the total value of the debt object to determine the number of divisions, for example, less than 100,000 yuan is divided into 2 equal parts, 500,000 yuan is divided into 10 equal parts, and 1 million yuan is divided into 20 equal parts; It is also possible to plan the value of each aliquot in advance, for example, each unit is 10,000 yuan or 20,000 yuan.

Please refer to Figure 3 for the flow diagram of this creation. First, the user must first log in to the platform S100. The platform will first confirm the user's identity S200 as the borrower or investment. The conditions for identity confirmation include: ID card number, bank account , birthday, work, address and income, etc. If the user is a borrower, the platform will ask the user to upload the creditor object data S300, and the creditor object information may include: a house, a car, an installment purchase and sale credit, a lease credit, a loan credit, and the like. Then, the creditor object information will be transmitted to the third-party external trust unit to deliver the trust S400. After receiving the creditor object, the trust unit will first perform the creditor object value evaluation S500, and the completed creditor object will be divided into creditor rights S600. The sub-debt objects completed by the division will be sent to the platform for sale, so that the investment may be made by the unspecified investors. The transaction may be a sub-debt object of one unit at a time, or a sub-debt object of multiple units, and Subscription can be made through competitive bidding. When the investor completes the transaction, the platform will send the settlement information to the investor to complete the settlement process S800.

The biggest advantage of this creation is that the trust object and trust of the third party trust unit can be used to balance the interests of the borrower and the investor. The borrower can introduce more investors because of the trading platform and the split creditor; the investor It can also be because of debt trusts and split claims, not only to ensure transaction security but also to lower investment thresholds.

Secondly, although the main innovation of this creation lies in the improvement of business methods, these procedures and steps must rely heavily on the server and prior planning to achieve full online and full automation. Therefore, the object of patent protection is Therefore, the first description.

100‧‧‧ Borrower Personal Computer

110‧‧‧Investor personal computer

200‧‧‧Server

210‧‧‧ Identity Confirmation Module

220‧‧‧ receiving module

230‧‧‧Upper module

240‧‧‧Transaction module

250‧‧‧Settlement Module

300‧‧‧trust unit

310‧‧‧Price Module

320‧‧‧Segment Module

400‧‧‧Network

Claims (7)

A debt trust and trading platform is stored in a server and connected to an external trust unit and a plurality of personal computers through a network. The trading platform includes: an identity confirmation module for receiving and confirming a use. A personal computer transmits the identity data through the Internet; a receiving module can receive a credit item transmitted by the user through the network through the personal computer; and a shelf module can disclose a credit object through the network Providing transactions to unspecified investors; a transaction module is capable of receiving transaction information transmitted by a personal computer through a network; a settlement module is settled according to the result of the transaction module; wherein the trust The unit has a split module, which can divide the credits transferred by the receiving module of the trading platform into a plurality of subordinated credits, and then display them through the shelf module. The claim trust and transaction platform as claimed in claim 1, wherein the trust unit further has an authentication module. The claim trust and transaction platform as claimed in claim 1, wherein the identity confirmation module confirms the condition as an identity card number, a bank account, a birthday, a job, an address, and an income. The claim trust and transaction platform as claimed in claim 1, wherein the creditor object may be a house, a car, an installment purchase and sale credit, a lease credit, and a loan credit. The claim trust and transaction platform as claimed in claim 1, wherein the split module divides the credit object into a plurality of subordinate creditors and outputs a trust property allocation table. The claim trust and trading platform as claimed in claim 1, wherein the transaction message may be a subordinate claim object of one unit or multiple units at a time, and may be subscribed by means of bidding. The claim trust and transaction platform as claimed in claim 1, wherein the segmentation procedure of the segmentation module may determine the number of divisions according to the total value of the debt object or plan the value of each aliquot in advance.