TWM537686U - Securities lending and borrowing matching system - Google Patents

Description

Loan coupon trading system

The present invention relates to a web server for an electronic financial service, and more particularly to a coupon match transaction system.

With the advancement of information circulation and the opening of financial markets, the public's knowledge about finance is becoming more and more complete. Here, securities financial services are taken as an example. The current stock coupon transaction is still based on the customer asking the salesperson for the quotation through the telephone. Not only is the transaction information opaque, but the process of waiting for the transaction time is too long. The customer cannot immediately conduct the coupon transaction during the stock trading time. Therefore, the current securities financial service is There is still room for improvement in the exchange of coupons.

The main purpose of the present invention is to provide a coupon matching transaction system.

To achieve the above objectives, the novel coupon match transaction system is connected to the lender device and the borrower device via the network to complete a lending transaction between the lender and the borrower. The new type of coupon matching transaction system includes a securities database, a login module, a transaction setting module, a media module and a transaction module. The securities database includes information to be matched. The login module generates a login interface on the lender device and/or the borrower device and receives login information from the lender device and/or the borrower device. The transaction setting module receives the transaction information from the lender and/or the borrower. The media module is based on the information to be traded in the securities database to find out whether there is a match-matching information that matches the trading conditions. If there is a match-matching information in the securities database that matches the transaction conditions, the transaction module matches the coupon transaction according to the information to be traded.

The new type of coupon match trading system receives the information to be traded through the transaction setting module, and then through the media module to find the matchable transaction target according to the information to be traded, which can greatly shorten the current lottery transaction inquiry. Time, transparency, and time required for mediation.

The new type of coupon matching transaction system further includes a target index providing module and a standard reference information providing module. Before the borrowing is performed, the lender and/or the borrower can directly use the target index to provide the module and the target reference. The information providing module searches the securities database for information on the desired transaction information of the target.

The new type of coupon matching transaction system further includes a target index providing module and a standard reference information providing module. After the lender logs in, the target index providing module searches the securities database for the existence and the lender according to the login data. The information to be matched by the financial products held, if any, the lending and matching system can actively provide the incoming information to the lenders who are logged in by the standard reference information providing module, so the lender It is easy to obtain the current market demand for financial products held by them and related information, and it is easier to set up and match the transactions, thereby increasing their willingness to lend, thereby improving the matching rate of the lending transactions.

The loan coupon matching transaction system of the present invention finds a matchable transaction target according to the information to be traded by the media combination module, and the mediation module cannot find the match information to the borrowed information in the securities database. When the lending information is to be collected, the information to be received by the mediation notification module is sent to the holder holding the corresponding financial product target, thereby actively obtaining the relevant information and increasing the lending willingness of the holder. In order to promote lending and become a lender, thereby improving the matching rate of the lending transaction.

In order to enable the reviewing committee to better understand the technical content of the present invention, the preferred embodiments are described below. In order to enable the reviewing committee to better understand the technical content of the present invention, the preferred embodiments are described below. Please refer to FIG. 1 , FIG. 2 , FIG. 3A and FIG. 3B , and a schematic diagram of a usage environment, a hardware architecture diagram, a to-be-matched information, and a to-be-matched borrowing information of a coupon matching transaction system according to an embodiment of the present invention. A schematic diagram of an embodiment and a schematic diagram of an embodiment of an index interface of a coupon and a loan lending information.

As shown in FIG. 1, the coupon match transaction system 1 of the present embodiment is connected to at least one lender device 2 and at least one borrower device 3 via the network 100 to match the lenders 200, 200a and the borrower 300. , the coupon transaction between 300a. In detail, the coupon match transaction system 1 of the present embodiment is a server or a server having a communication function to communicate with the lender device 2 and the borrower device 3 respectively to provide a ticket medium. The platform provides debits 200, 200a and borrowers 300, 300a. The data transmission mode of the coupon matching transaction system 1 and the lender device 2 and the borrower device 3 are different according to the hardware architecture of the mutual cooperation. Specifically, the network 100 may be an Ethernet network, 3G, or the like. Wired or wireless transmission data technologies such as Wi-Fi or 4G LTE are implemented. The "renter device 2" of the present embodiment refers to an electronic device operated by an investor having a securities lending demand; and the "borrower device 3" refers to an electronic device operated by an investor having a securities borrowing demand. The debit device 2 and the borrower device 3 of the present embodiment are described by taking a general personal computer as an example, but it should be noted that the device referred to in the specification includes a personal computer, a tablet computer (PAD), a smart phone, etc. The electronic device of the software is not limited by the present invention.

First of all, whether it is a lender 200, 200a in which a stock wants to lend, or a borrower 300, 300a borrowing shares from another person, it must be a natural or legal client of the same broker. As shown in FIG. 1 and FIG. 2, the loan coupon matching transaction system 1 of the present invention includes a login module 10, a transaction setting module 20, a mediation module 40, a transaction module 50, a target index providing module 60, and a target. The information providing module 70, the securities database 80, and the transaction database 90 are referenced. According to a specific embodiment of the present invention, the mediation module 40 further includes a to-be-matched information notification module 41. The transaction module 50 further includes a collateral confirmation module 51 and a system processing fee calculation module 52.

Specifically, the coupon match transaction system 1 has a non-transitory computer readable storage medium, including but not limited to a flash memory, a compact disc or a magnetic disk, and can divide its storage space as a securities database 80. And transaction database 90. The securities database 80 is used for storing the basic information of the transaction information 21, the lender 200 and the borrower 300, and the inventory financial product information such as the securities holding data associated with each lender 200, 200a / borrower 300, 300a. 82 and the mediation information 81, wherein the to-be-matched information 81 is the mediation borrowing information 811 and/or the mediation lending information 812. According to a specific embodiment of the present invention, both the transaction information 21 and the to-be-matched information 81 include at least one financial product target name or code and one of the names or codes corresponding to at least one financial product target price, quantity, interest rate, and ups and downs. Width, entrusted borrowing amount, entrusted lending amount or term. In other embodiments, the securities database 80 may also store the name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate, and/or one of the names or codes of the financial instrument target corresponding to at least one transaction. Or information such as the duration of the coupon, such as the indexed Sequential Access Method (ISAM), directly records the transaction completion data in the corresponding file in the securities database 80.

As shown in FIG. 1 and FIG. 2, the login module 10 generates a login interface for the lenders 200, 200a and/or the borrowers 300, 300a by the lender device 2 and/or the borrower device 3, by means of input modules of the respective devices. The group enters a login data, and the login module 10 receives the login data from the lender device 2 and/or the borrower device 3. After verification, the lender 200 and/or the borrower 300 can log in to the coupon match transaction system. 1. In this embodiment, the login data is identity data of the individual who can identify the debit 200, 200a and/or the borrower 300, 300a, which may include the identity card number and password.

According to an embodiment of the present invention, after the lenders 200, 200a and/or the borrowers 300, 300a are logged into the coupon match transaction system 1, the target index providing module 60 retrieves whether the securities database 80 is received and received. The inventory financial product data associated with the login data corresponds to the mediation information 81. For example, in this embodiment, as shown in FIG. 3A, after the lenders 200, 200a or the borrowers 300, 300a log in, the target index providing module 60 can learn the debit 200, 200a or the borrower according to the login information. Inventory financial product data under 300, 300a: such as securities holding data 82, and based on the securities holding data 82, the securities database 80 is searched for whether there is a communication information 81 associated with the securities holding materials 82. . In other embodiments, the inventory financial commodity information may be domestic and foreign government bonds, corporate bonds, new share subscription rights certificates, new share rights certificates, price payment certificates, beneficiary certificates, warrants or other securities.

It should be noted that, in this embodiment, the target index providing module 60 searches whether the securities database 80 has the mediation borrowing information 812 associated with the securities holding materials 82, but the present invention does not. To this end, the target index providing module 60 can also retrieve the to-be-matched lending information 811 associated with the securities holding materials 82. The index index provides the search result of the module 60, and the target reference information providing module 70 provides the debit device 2 or the borrower device 3 as the lending party 200 correspondingly to the to-be-matched information 81 as shown in FIG. 3A. , 200a and/or borrowers 300, 300a set the reference for the transaction information 21. It should be noted that the securities holding information 82 includes at least one financial commodity target name or code, a historical interest rate corresponding to at least one financial commodity target name or code, a today's interest rate, a transaction price, a rise and fall, and the like, and Information such as the amount of borrowing, the amount of entrusted lending, etc., may be entrusted to one of the names or codes of at least one financial product, wherein the historical interest rate, the today's interest rate may be information published by the stock exchange, between brokers or brokers.

In addition, the target index providing module 60 can also retrieve whether the securities database 80 has corresponding to-match information 81 based on the financial product target name or code input from the lending party 200, 200a and/or the borrowing party 300, 300a. As shown in FIG. 3B, the target index providing module 60 generates a ticket index interface 61 for the borrower 200, 200a to input a bid and/or the borrower 300, 300a to input a bid. In this embodiment, as shown in FIG. 3B, the target index providing module 60 searches whether the security database 80 has the corresponding mediation lending information 811 corresponding to 3008, but the present invention is not limited thereto. The target index providing module 60 can also retrieve the to-be-matched borrowing information 812 corresponding to 3008. The target index provides the search result of the module 60, and the target reference information providing module 70 provides the debit device 2 or the borrower device 3 as the lending party 200 correspondingly to the to-be-matched information 81 as shown in FIG. 3B. , 200a and/or borrowers 300, 300a set the reference for the transaction information 21.

As shown in FIG. 1, the transaction setting module 20 provides an information setting interface for the lenders 200, 200a and/or the borrowers 300, 300a to input information through the input modules of the respective devices, thereby being set by the transaction setting module 20 or The transaction information 21 is adjusted, and the transaction information 21 is stored in the securities database 80 as a basis for the matchmaking comparison, wherein the transaction information 21 includes the information to be borrowed 211 or the information to be borrowed 212. It should be noted that the transaction setting module 20 can be used by the lender 200 to set the lending information 211, and the lending information 211 set by the lender 200 includes at least one financial product target name or code and corresponding to at least one financial product target. One of the names or codes is intended to lend the transaction price, the amount of the loan to be borrowed, the interest rate to be loaned, and/or the duration of the loan to be borrowed. Similarly, the transaction setting module 20 can be used by the borrower 300 to set the borrowing information 212, and the borrowing information 212 that can be set by the borrower 300 includes at least one financial product target name or code and a name corresponding to at least one financial product target or One of the code names is to borrow information such as the transaction price, the amount to be borrowed, the interest rate to be borrowed, and/or the duration of the loan.

The matching module 40 searches the securities database 80 according to the information to be traded 21 to find out whether there is a to-be-matched information 81 that matches the trading conditions. When the transaction information 21 is the lending information 211, the mediation module 40 searches for the securities database 80 according to the conditions contained in the lending information 211 whether there is a to-be-matched borrowing information 812 matching the transaction bar. When the transaction information 21 is to be borrowed from the information 212, the mediation module 40 searches for the securities database 80 according to the conditions contained in the information to be borrowed to see if there is a match-to-match lending information 811 that matches the transaction bar. If the matching module 40 finds the to-be-matched information 81 matching the transaction conditions in the securities database 80, the transaction module 50 combines the coupon transactions according to the information to be traded 21.

According to an embodiment of the present invention, before the transaction module 50 matches the coupon transaction, the collateral confirmation module 51 will first confirm whether the borrower 300 holds the collateral equivalent to the transaction information 21, if the borrower 300. The transaction module 50 matches the coupon transaction and calculates the system processing fee required to complete the coupon transaction based on the transaction information 21 by the system processing fee calculation module 52. It should be noted here that the system processing fee, the lender 200 and the borrower 300 are all required to be paid, and the payment conditions and methods can be determined by the system developer of the coupon match transaction system 1. If the borrower 300 does not have a collateral equivalent, the transaction is terminated.

According to an embodiment of the present invention, in order to prevent the mediation module 40 from searching for the transaction information 21 of the completed transaction, after the loan transaction is completed, the transaction module 50 stores the related information of one of the completed voucher transactions. In the transaction database 90. The related information stored in the transaction database 90 includes the name or code of the financial instrument target at least one transaction and the transaction price, one transaction amount, one transaction rate and one of the names or codes of the financial product target corresponding to at least one transaction. / or information such as the duration of a loan.

According to an embodiment of the present invention, if the mediation module 40 cannot find the to-be-matched information 81 matching the transaction conditions in the securities database 80, as shown in FIG. 2, the lender 200 and/or the borrower 300 are both The transaction information 221 can be updated again by the transaction setting module 20 for the mediation module 40 to perform the mediation again. The lender 200 and/or the borrower 300 may adjust the name or code of the financial product target in the transaction information 21 by the transaction setting module 20, the price to be loaned or borrowed, the amount to be loaned or borrowed, the loan to be loaned or Information on borrowing interest rates and/or lending or borrowing durations.

In addition, according to another embodiment of the present invention, if the mediation module 40 cannot find the to-be-matched information 81 matching the transaction conditions in the securities database 80, as shown in FIG. 2, the to-be-matched information notification module 41 A wanted match information 411 is sent to the holder of the financial database 80 holding the financial instrument target of the information to be borrowed 212. It should be noted that the mediation information 411 is a securities client who actively informs the holder of the corresponding securities of the financial product subject to be borrowed from the information 212 but has no prior intention to lend the voucher. If the securities client wishes to lend, The transaction information setting module 20 can be further configured to set the transaction information 21 and the mediation module 40 and the transaction module 50 are used for mediation and transaction. At this time, the securities client becomes the lender 200, and if the securities client does not lend the willingness , the transaction is terminated.

It should be noted that, in addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition, each module may be configured in a separate type. It can also be combined with the type configuration. In a preferred embodiment, each module is stored in a software program on a memory, and each module is executed by a processor (not shown) in the coupon matching transaction system 1 to achieve the functions of the present invention. In addition, the present embodiment is merely illustrative of the preferred embodiments of the present invention, and all possible combinations of variations are not described in detail in order to avoid redundancy. However, those of ordinary skill in the art will appreciate that the various modules or components described above are not necessarily required. In order to implement the present invention, other well-known modules or components of more detail may also be included. Each module or component may be omitted or modified as needed, and no other modules or components may exist between any two modules.

Please refer to FIG. 1 and FIG. 4 below, wherein FIG. 4 is a first operational flowchart of the novel coupon matching transaction system of the present invention.

The information service system login method of the present invention, as shown in FIG. 1 , is applied to the coupon match transaction system 1 , which is connected to at least one lender device 2 and at least one borrower device 3 via the network 100 to lend by mediation. A coupon transaction between parties 200, 200a and borrowers 300, 300a. As shown in FIG. 3, the method for operating the coupon match transaction system of the present invention mainly includes steps S1 to S5. The various steps of the first embodiment of the method for operating the coupon matching transaction system of the present invention will be described in detail below.

Step S1: Log in to the coupon transaction system.

The login module 10 generates a login interface and/or the lenders 200, 200a and/or the borrowers 300, 300a at the lender device 2 and/or the borrower device 310 to input a login data through the input modules of the respective devices. The login module 10 receives the login data from the lender device 2 and/or the borrower device 3. After verification, the lender 200 and/or the borrower 300 can log in to the coupon match transaction system 1. It should be noted here that the lenders 200, 200a and the borrowers 300, 300a must be natural or legal customers of the same broker. In this embodiment, the login data is identity data of the individual who can identify the debit 200, 200a and/or the borrower 300, 300a, which may include the identity card number and password.

Step S2: setting the information to be traded.

The transaction setting module 20 provides an information setting interface for the lenders 200, 200a and/or the borrowers 300, 300a to input information through the input modules of the respective devices, so that the transaction setting module 20 sets or adjusts the information to be traded 21, And the information to be traded 21 is stored in the securities database 80 as a basis for the matchmaking comparison, wherein the information to be traded 21 includes the information to be borrowed 211 or the information to be borrowed 212. It should be noted here that the transaction setting module 20 can be used by the lender 200 to set the lending information 211. The lending information 211 set by the lender 200 includes at least one financial product target name or code and one of the names or codes corresponding to at least one financial product target, the lending price, the lending amount, the lending rate, and/or one. Want to lend a continuous period of information and other information. Similarly, the transaction setting module 20 can be used by the borrower 300 to set the borrowing information 212, and the borrowing information 212 that can be set by the borrower 300 includes at least one financial product target name or code and a name or code corresponding to at least one financial product target. One wants to borrow information such as the transaction price, the amount to be borrowed, the interest rate to be borrowed, and/or the duration of the borrowing.

Step S3: Is there a matching information to be matched?

The mediation module 40 inputs, according to the lenders 200, 200a and/or the borrowers 300, 300a, the scheduled transaction information 21 in the step S2 to search the securities database 80 for the presence or absence of the to-be-matched information 81 that matches the transaction conditions. When the transaction information 21 is the lending information 211, the mediation module 40 searches for the securities database 80 according to the conditions contained in the lending information 211 whether there is a to-be-matched borrowing information 812 matching the transaction bar. When the transaction information 21 is to be borrowed from the information 212, the mediation module 40 searches for the securities database 80 according to the conditions contained in the information to be borrowed to see if there is a match-to-match lending information 811 that matches the transaction bar.

If the matching module 40 finds the to-be-matched information 81 matching the transaction conditions in the securities database 80, the transaction module 50 matches the coupon transaction according to the transaction information 21, that is, step S4 is performed. In this embodiment, if the mediation module 40 cannot find the to-be-matched information 81 matching the transaction conditions in the securities database 80, the transaction ends, that is, step S5 is performed.

Please refer to FIG. 3A, FIG. 3B and FIG. 5, wherein FIG. 5 is a second operational flowchart of the novel coupon matching transaction system of the present invention. As shown in FIG. 5, the difference from the first embodiment is that, in the second embodiment, the method for operating the coupon match transaction system of the present invention further includes steps S11 and S12. Steps S11 and S12 will be described in detail below.

Step S11: Retrieving, according to the login data, whether the securities database has the information to be matched corresponding to the inventory financial commodity data associated with the login data.

After the lenders 200, 200a and/or the borrowers 300, 300a are logged into the coupon match transaction system 1, the target index providing module 60 retrieves whether the securities database 80 has corresponding inventory financial product data associated with the login data. Matching information 81. In this embodiment, as shown in FIG. 3A, after the lenders 200, 200a or the borrowers 300, 300a log in, the target index providing module 60 can know the lenders 200, 200a or the borrowers 300, 300a according to the login information. The underlying securities hold the information 82 and retrieve from the securities holdings 82 whether the securities database 80 has the to-be-matched information 81 associated with the securities holdings 82. It should be noted that, in this embodiment, the target index providing module 60 searches whether the securities database 80 has the mediation borrowing information 812 associated with the securities holding materials 82, but the present invention does not. To this end, the target index providing module 60 can also retrieve the to-be-matched lending information 811 associated with the securities holding materials 82. The securities holding information 82 includes at least one financial commodity target name or code, a historical interest rate corresponding to at least one financial commodity target name or code, a today's interest rate, a transaction price, a rise and fall, etc., and corresponding at least one financial One of the name or code of the commodity target entrusts the amount of borrowing, the amount of entrusted lending, etc., wherein the historical interest rate and the interest rate today may be information published by the stock exchange, between brokers or brokers.

Step S12: The to-be-matched information is correspondingly provided to the debit device or the borrower device.

The target reference information providing module 70 provides the to-be-matched information 81 as shown in FIG. 3A to the debit side device 2 or the borrower device 3 as the lenders 200, 200a and/or the borrowers 300, 300a. Reference to Trading Information 21.

Please refer to FIG. 3A, FIG. 3B and FIG. 6 , wherein FIG. 6 is a third operational flowchart of the novel loan coupon trading system of the present invention. As shown in FIG. 6, the second embodiment is different from the first embodiment in that, in the third embodiment, the method for operating the coupon match transaction system of the present invention further includes steps S11a and S12. Steps S11a and S12 will be described in detail below.

Step S11a: Retrieving whether the securities database has corresponding mediation information according to the name or code of the financial commodity subject input by the lender or the borrower.

The target index providing module 60 can also retrieve whether the securities database 80 has corresponding to-match information 81 based on the financial product target name or code entered from the lending party 200, 200a and/or the borrower 300, 300a. As shown in FIG. 3B, the target index providing module 60 generates a ticket index interface 61 for the borrower 200, 200a to input a target to be borrowed and/or the borrower 300, 300a to input a target to be borrowed. In this embodiment, If the target index is 3008, the target index providing module 60 searches whether the securities database 80 has the corresponding mediation lending information 811 corresponding to 3008. However, the present invention is not limited thereto, and the target index providing module 60 can also retrieve 3008. The corresponding to-be-matched borrowing information 812.

Step S12: The to-be-matched information is correspondingly provided to the debit device or the borrower device.

The target reference information providing module 70 provides the debit device 2 or the borrower device 3 correspondingly to the lending device 2 or the borrower device 3 as shown in FIG. 3B, as the lenders 200, 200a and/or the borrowers 300, 300a. Reference to Trading Information 21.

Referring to FIG. 7, FIG. 7 is a fourth operational flowchart of the novel coupon matching transaction system of the present invention. As shown in FIG. 7, the fourth embodiment is different from the first embodiment in that, in the fourth embodiment, the method for operating the coupon match transaction system of the present invention further includes step S41, step S42, step S6 and step S7. . Steps S41, S42, S6, and S7 will be described in detail below.

Step S41: Does the borrower have an adequate collateral?

Before the transaction module 50 matches the coupon transaction, the collateral confirmation module 51 will first confirm whether the borrower 300 holds the collateral equivalent to the transaction information 21, and if the borrower 300 has, the transaction module 50 matches the collateral. The voucher transaction is performed, and the system processing fee required to complete the voucher transaction is calculated by the system processing fee calculation module 52 based on the transaction information 21, that is, step S42 is performed. It should be noted here that the system processing fee, the lender 200 and the borrower 300 are all required to be paid, and the payment conditions and methods can be determined by the system developer of the coupon match transaction system 1.

At the same time, the transaction module 50 stores the related information of the one of the coupon transactions in the transaction database 90 to prevent the matching module 40 from searching for the transaction information 21 of the completed transaction, that is, performing step S7. The related information stored in the transaction database 90 includes the name or code of the financial instrument target at least one transaction and the transaction price, one transaction amount, one transaction rate and one of the names or codes of the financial product target corresponding to at least one transaction. / or information such as the duration of a loan. If the borrower 300 does not have an equivalent collateral, the transaction is terminated, that is, step S5 is performed.

Step S6: Is the information to be traded modified?

If the mediation module 40 cannot find the to-be-matched information 81 matching the transaction conditions in the securities database 80, as shown in FIG. 2, the lender 200 and/or the borrower 300 can be again used by the transaction setting module 20. One of the settings is to update the transaction information 221 for the mediation module 40 to perform the mediation again, that is, to re-execute step S3. The lender 200 and/or the borrower 300 may adjust the name or code of the financial product target in the transaction information 21 by the transaction setting module 20, the price to be loaned or borrowed, the amount to be loaned or borrowed, the loan to be loaned or Information on borrowing interest rates and/or lending or borrowing durations. If the lender 200 and/or the borrower 300 do not modify the transaction information 21, the transaction is terminated, that is, step S5 is performed.

Please refer to FIG. 8 , which is a fifth operational flowchart of the novel loan coupon trading system of the present invention. As shown in FIG. 8, the fifth embodiment is different from the first embodiment in that, in the fifth embodiment, step S8 and step S9 are further included. Steps S8 and S9 will be described in detail below.

Step S8: The mediation information notification module sends the mediation information to the corresponding holder of the financial product database holding the financial product target to be borrowed.

If the mediation module 40 cannot find the to-be-matched information 81 matching the transaction conditions in the securities database 80, as shown in FIG. 2, the mediation information notification module 41 sends a mediation information 411 to the securities database. 80 holds the holder of the financial instrument subject to the information 212 to be borrowed. It should be noted here that the wanted match information 411 is a securities customer who actively informs the holder of the corresponding securities of the financial product subject to be borrowed from the information 212, but has no prior intention to lend the voucher.

Step S9: Whether to lend.

If the securities client has the willingness to lend, the transaction setting module 20 can perform the subsequent matchmaking transaction, that is, step S2 is performed. If the securities client does not have the willingness to lend, the transaction is terminated, that is, step S5 is performed.

In summary, the billing matchmaking system of the present invention, through the transaction information 21 received by the transaction setting module 20, can be used to search for the matchable transaction target according to the transaction information 21 through the mediation module 40. Moreover, before the loan matching is performed, the lender 200 and the borrower 300 can directly use the target index providing module 60 and the target reference information providing module 70 to know the interested target, and understand the conditions for the transaction. The mediation information notification module 41 can also actively obtain the relevant information by the holder to increase the lending intention and promote the lending to become the lender 200, thereby increasing the voucher source to improve the matching rate of the voucher transaction. It can greatly shorten the time required for the current lottery transaction inquiry, price comparison and mediation.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not deviate from the basic structure of this new model shall be the scope of rights claimed in this patent, and shall be subject to the scope of patent application.

1‧‧‧Loan bond trading system
10‧‧‧ Login Module
20‧‧‧Transaction Settings Module
21‧‧‧For trading information
211‧‧‧ want to lend information
212‧‧‧ want to borrow information
22‧‧‧Transaction Adjustment Module
221‧‧‧Update information to be traded
30‧‧‧Data storage module
40‧‧‧Media module
41‧‧‧waiting mediation information notification module
411‧‧‧ want to match information
50‧‧‧Transaction module
51‧‧‧Guarantee Confirmation Module
52‧‧‧System Processing Fee Calculation Module
60‧‧‧Target index providing module
61‧‧‧ Index interface for coupons
70‧‧‧Target reference information providing module
80‧‧‧Stock database
81‧‧‧waiting mediation information
811‧‧‧Stay for mediation
812‧‧‧To be borrowed from the media
82‧‧‧ Securities holding information
90‧‧‧Transaction Database
100‧‧‧Network
200, 200a‧‧‧ lender
2‧‧‧Lender device
300, 300a‧‧‧ Borrowers
3‧‧‧ Borrower device

FIG. 1 is a schematic diagram of a usage environment of an embodiment of the novel coupon match transaction system of the present invention. 2 is a hardware architecture diagram of one embodiment of the novel coupon match transaction system of the present invention. FIG. 3A is a schematic diagram of an embodiment of a message to be matched and a message to be borrowed. FIG. 3B is a schematic diagram of an embodiment of an index interface and a to-be-matched information of a coupon. 4 is a first operational flow chart of the novel coupon match transaction system of the present invention. FIG. 5 is a second operational flowchart of the novel coupon match transaction system of the present invention. 6 is a third operational flow chart of the novel coupon match transaction system of the present invention. 7 is a fourth operational flow chart of the novel coupon match transaction system of the present invention. FIG. 8 is a fifth operational flowchart of the novel coupon match transaction system of the present invention.

1‧‧‧Loan bond trading system

10‧‧‧ Login Module

20‧‧‧Transaction Settings Module

30‧‧‧Data storage module

40‧‧‧Media module

50‧‧‧Transaction module

60‧‧‧Target index providing module

70‧‧‧Target reference information providing module

80‧‧‧Stock database

90‧‧‧Transaction Database

100‧‧‧Network

200, 200a‧‧‧ lender

2‧‧‧Lender device

300, 300a‧‧‧ Borrowers

3‧‧‧ Borrower device

Claims (16)

A coupon match transaction system, which is connected to a lender device and a borrower device by a network for completing a loan transaction between a lender and a borrower, the voucher match transaction system including A securities database, which includes a mediation information, a mediation borrowing information and/or a mediation lending information; a login module for the lender device and/or The borrower device generates a login interface and receives login information from the lender device and/or the borrower device; a transaction setting module receives information input from the lender and/or the borrower to Setting or adjusting a desired transaction information; a media combination module, searching, according to the information to be traded, the securities database to find whether there is a matching mediation information matching the transaction conditions; and a transaction module, wherein the securities database There is a to-be-matched information that matches the transaction conditions, and the transaction module matches the coupon transaction according to the information to be traded. The borrowing medium trading system as described in claim 1 wherein the information to be traded is a loan information and/or a borrowing information, wherein when the information to be traded is the lending information, the medium to be traded The information is the borrowed information for the mediation. When the information to be traded is the information to be borrowed, the information to be matched is the information to be borrowed. For example, in the coupon match transaction system described in claim 2, the information to be traded and the information to be matched include at least one financial product target name or code and one of the names or codes corresponding to at least one financial product target. Price, quantity, interest rate, price increase, entrusted borrowing, entrusted lending and/or term. For example, in the coupon match transaction system described in claim 1, the coupon match transaction system further includes a target index providing module for retrieving whether the securities database has the login data based on the login data. The associated inventory financial commodity data corresponds to the to-be-matched information, or whether the securities database has corresponding correspondence information according to the name or code of the financial commodity subject input from the lender or the borrower. For example, the coupon matching transaction system described in claim 4 further includes a standard reference information providing module for providing the to-be-matched information to the lender device or the borrower device accordingly. The mediation module further includes a to-be-matched information notification module, wherein the mediation module is in the security, as described in any one of claims 1 to 5 When the database does not find the to-be-matched lending information that matches the information to be borrowed, the to-be-matched information notification module sends a message to the securities database to hold the financial information to be borrowed. The corresponding holder of the commodity target. The vouchers acknowledgment module of any one of claims 1 to 5, wherein the transaction module further comprises a collateral confirmation module, wherein the transaction module matches the coupon transaction, The collateral confirmation module confirms whether the borrower holds a collateral equivalent to the information to be traded, and if so, the transaction module matches the coupon transaction; if not, the coupon transaction ceases. The billing media transaction system of claim 6, wherein the transaction module further comprises a collateral confirmation module, wherein the collateral confirmation module confirms before the transaction module matches the coupon transaction Whether the borrower holds a collateral equivalent to the information to be traded, and if so, the transaction module matches the coupon transaction; if not, the coupon transaction ceases. For example, in the coupon match transaction system described in claim 7, the transaction module further includes a system processing fee calculation module, and the collateral confirmation module confirms that the borrower holds the information and the transaction information, etc. After the value of the collateral, the system processing fee calculation module calculates a system processing fee required to complete the ticket transaction based on the desired transaction information. For example, in the loan matching transaction system described in claim 8, the transaction module includes a system processing fee calculation module, and when the collateral confirmation module confirms that the borrower holds the information equivalent to the desired transaction information After the collateral, the system processing fee calculation module calculates a system processing fee required to complete the ticket transaction based on the transaction information. The bill matching media trading system according to any one of claims 1 to 5, further comprising a transaction database, wherein the transaction module stores information related to the one of the voucher transactions in the transaction database. The related information includes the name or code of the financial instrument target at least one transaction and the transaction price, one transaction amount, one transaction rate and/or one coupon continued for one of the financial product target names or codes corresponding to at least one transaction completed. Information such as the deadline. For example, the coupon match transaction system described in claim 6 further includes a transaction database, and the transaction module stores information related to one of the coupon transactions in the transaction database, the related information including at least one The name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate or the duration of a loan in which one of the names or codes of the financial instrument target corresponding to at least one transaction is completed. For example, the coupon match transaction system described in claim 7 further includes a transaction database, and the transaction module stores information related to one of the coupon transactions in the transaction database, the related information including at least one The name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate or the duration of a loan in which one of the names or codes of the financial instrument target corresponding to at least one transaction is completed. The loan voucher system as described in claim 8 further includes a transaction database, wherein the transaction module stores information related to one of the voucher transactions in the transaction database, the related information including at least one The name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate or the duration of a loan in which one of the names or codes of the financial instrument target corresponding to at least one transaction is completed. The lending media trading system as described in claim 9 further includes a transaction database, wherein the transaction module stores information related to one of the voucher transactions in the transaction database, the related information including at least one The name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate or the duration of a loan in which one of the names or codes of the financial instrument target corresponding to at least one transaction is completed. For example, the coupon match transaction system described in claim 10 further includes a transaction database, and the transaction module stores information related to one of the coupon transactions in the transaction database, the related information including at least one The name or code of the financial instrument subject to completion of the transaction and the transaction price, the number of transactions, the transaction rate or the duration of a loan in which one of the names or codes of the financial instrument target corresponding to at least one transaction is completed.