TWM560642U - Fund transaction platform - Google Patents

Abstract

A fund transaction platform includes a transaction database, a receiving module, a processing module and a transmitting module. The receiving module respectively receives a loan information from a borrowing end and a plurality of investment information corresponding to the loan information from investing ends. The processing module determines a plurality of accepted investing ends from the investing ends according to the loan information and the plurality of investment information, and produces a transaction formation information. The transmitting module respectively transmits the transaction formation information to the borrowing end and each the accepted investing end through a network. The investors can freely determine the fund trading conditions to perform peer-to-peer lending on the fund transaction platform of the present application, so as to achieve the aspect of financial inclusion.

Description

Capital trading platform

This creation is about a trading website and is especially about a fund trading platform. [Prior Art]

With the popularity of the Internet and mobile communication devices, and the advancement of information search and cloud computing technology, the combination of finance and technology into financial technology (FinTech), using the network platform to provide a low-cost trading environment and huge amount of real-time information, Develop innovative financial models. The traditional financial model is an indirect financial system with the core of the bank. It mainly serves the top 20% of the customer level before the asset ranking, while ignoring the financial needs of the remaining 80% of micro-enterprises and individuals. The research pointed out that the future financial model has the characteristics of being free from time and space restrictions, information symmetry, service personalization, disintermediation, mixed operation and high efficiency to achieve the goal of inclusive finance. At present, the innovative financial models developed by financial technology include: third-party payment, peer-to-peer lending (P2P lending), crowdfunding, big data finance, virtual currency, and so on.

P2P network lending is one of the most representative models in various innovative financial models. P2P network borrowing originated from Zopa in the UK in 2005. In 2006, Prosper, the first P2P lender in the US, was established. In June, China’s first P2P online credit industry patted the loan, and the P2P online lending model became more popular. Up to now, the United Kingdom, the United States and China have become the world's top three P2P network lending markets, and the volume of borrowing funds has exceeded 10 billion US dollars. P2P online lending refers to the direct borrowing of funds by individuals (debits) with financial needs and individuals (lenders) who are able to provide funds through the platform established by P2P network lenders. P2P network lenders formulate rules for lending and provide financial proof, credit history, and borrowing for borrowers Information such as the purpose, the amount of the loan, and the maximum interest rate of the loan, so that both the borrower and the lender can evaluate whether or not to conduct the loan transaction.

Innovative financial models impact the traditional financial system, creating new profitable markets also bring uncertain risks. Like the problem of traditional financial lending, P2P online lending will inevitably face the risk of lending fraud, criminal money laundering, borrowers overdue or the inability to repay the principal and interest, and these risks will expand due to the characteristics of the network, and even P2P networks will occur. The road operators have misappropriated funds, and the bankruptcy has closed down. Therefore, P2P network lenders have developed a credit intermediary mechanism that provides guarantees through a simple information intermediary mechanism.

Since the characteristics of P2P network lending are the trading of small-scale funds of the masses, at present, in addition to the legal doubts that P2P lending companies are involved in lending to provide guarantees, the P2P lending network platform has a large number of investors and a large amount of funds. Mainly: the P2P lending network platform evaluates the borrower's and lender's resources, and different borrowing rates are set for the borrower and the lender respectively; the investor delivers the funds to the P2P lending network platform; the P2P lending network platform lends funds and borrows People, P2P lending network platform obtains credit; P2P lending network platform transfers creditor's rights to investors. The existing P2P lending network platform intervenes in the capital transaction mode of both borrowers and lenders is not a real "person-to-individual" transaction, and cannot achieve the goal of inclusive finance. Therefore, how to solve the technical problem that most people can freely decide the borrowing conditions on the Internet platform to conduct fund transactions is one of the main purposes of developing this creation.

To achieve the above objectives, the present invention provides a fund trading platform comprising: a transaction database, a receiving module, a processing module, and a transmission module. The transaction database stores at least one identity information of the borrower and identity information of the plurality of investors. The receiving module receives a plurality of investment information and the corresponding investment information of the borrowing information from the borrowing end and the investment end through the network, wherein the borrowing information includes the verification information of the borrowing end, the minimum borrowing amount and the maximum borrowing rate. Each investment information includes verification information, investment amount and investment interest rate of each investment terminal, and each investment amount is less than the minimum loan amount. The processing module is connected to the transaction database and the receiving module. After the verification information of the borrowing information and the verification information of each investment information are in accordance with the identity information of the borrower and the identity information of each investment terminal, the following steps are performed: from the investment information The investment interest rate less than the highest borrowing rate is set as the candidate interest rate, and the candidate interest rate is ranked from small to large; the investment amount of each candidate interest rate is accumulated according to the candidate interest rate, and the cumulative investment amount corresponding to each candidate interest rate is generated; The difference between the investment amount and the minimum borrowing amount, from the largest negative value to the smallest positive value of the difference, sequentially defines the first cumulative investment amount to the N cumulative investment amount, N is a positive integer not less than 2, and the difference from the minimum borrowing amount The cumulative investment amount of 0 or the smallest negative value is the N-1 cumulative investment amount; the respective investment terminals corresponding to the 1st cumulative investment amount to the Nth cumulative investment amount are sequentially set as the first winning investment end to the Nth Winning the bidding terminal; and establishing the transaction based on the respective candidate interest rates and the respective investment amounts of the first winning bid to the Nth winning bidder News, trading up an information containing at least a lending rates, loan amount borrowed and the first end of the bid to the N-end investment have marked the end of the lending investment amount. The transmission module is connected to the processing module, and the transaction establishment information is transmitted to the borrower and the first winning investment terminal to the Nth winning investment terminal through the network.

In an embodiment, the transaction database stores the credit limit of the borrower. After the processing module determines that the verification information of the loan information meets the identity information of the borrower, the processing module further determines whether the minimum loan amount is It is not greater than the credit limit; if the judgment is yes, the above transmission module transmits the above loan information to each of the investment terminals.

In an embodiment, the Nth accumulated investment amount is not greater than the credit limit.

In an embodiment, the transaction database stores the investment quota of each of the investment terminals. After the processing module determines that the verification information of each of the investment information meets the identity information of each of the investment terminals, the processing module further determines each of the above-mentioned Whether the investment amount is not greater than each The investment quota; if the judgment is yes, the processing module selects the investment information that the investment interest rate is less than the highest borrowing rate according to the above investment information.

In one embodiment, the transaction database stores the borrowing page of the borrower and the investment page of each of the investment terminals, and the borrower generates the borrowing information by inputting the highest borrowing rate and the minimum borrowing amount into the borrowing page. The processing module loads the minimum loan amount into each investment page, and the transmission module transmits the investment pages loaded with the minimum borrowing amount to each of the investment terminals, and each of the investment terminals inputs the investment interest rate and the investment amount into the investment. The page generates the above investment information corresponding to the above loan information.

In an embodiment, the loan information further includes a bid deadline. Before the bid deadline, the processing module generates a bid status table according to the received investment information; the transmission module transmits the bid status table to each of the investment terminals. Each of the above-mentioned investment terminals may modify the above investment interest rate or the above investment amount of the above investment information through the above network.

In an embodiment, when the receiving module receives the investment information modified by the investment terminal, the processing module updates the bid status table according to the modified investment information; and the transmission module transmits the updated bid status table. To each of the above investment terminals.

In an embodiment, the borrowing interest rate is selected from at least one of the candidate interest rates, and the borrowing amount of the borrowing end is the minimum borrowing amount or the N cumulative investment amount.

In an embodiment, the money transaction platform further includes: a memory controller, which is respectively connected to the transaction database and the processing module, wherein the transaction database includes a readable and writable memory and an anti-overwrite memory.

In one embodiment, the memory controller stores the identity information of the borrower and the borrowing information, the identity information of the investment terminal, and the investment information in the readable and writable memory, and stores the transaction information. In the above anti-rewrite memory.

In the fund trading platform of the creation, the receiving module receives a plurality of investment information and corresponding investment information of the borrowing information from the borrowing end and the investment terminal through the network; the processing module determines the plurality of investment information from the investment terminal according to the borrowing information and the investment information. The investment terminal, and generates transaction establishment information including at least one loan interest rate, the borrowing amount of the borrowing party and the lending amount of the plurality of winning bidders; the transmission module transmits the transaction establishment information to the borrower and the winning investment respectively through the network end. In this way, it solves the technical problem of one person bidding for multiple people and winning the bid, and provides a network fund trading platform without time and space restrictions and low risk, which achieves the goal of inclusive finance to pursue low cost, autonomy and high profit.

10,50‧‧‧Cost trading platform

11‧‧‧ Borrowing

12‧‧‧Investment

100‧‧‧Network

101,501‧‧‧Transaction database

102,502‧‧‧ receiving module

103,503‧‧‧Processing module

104,504‧‧‧Transmission module

505‧‧‧ memory controller

5011‧‧‧Readable memory

5012‧‧‧Rewriting memory

S20-S26, S30-S37, S351, S40-S48, S481, S482‧‧‧ steps

Figure 1 is a block diagram of an embodiment of the fund trading platform of the creation; Figure 2 is a flow chart of the steps of the mediation phase of the capital transaction platform for the creation of the fund transaction platform; Step-by-step flow chart of the bidding stage of the fund lending transaction; Figure 4A and 4B are the flow chart of the steps of the fund lending transaction in the fund trading platform of the author; and Figure 5 is another fund trading platform of the creation A block diagram of an embodiment.

The implementation of the present invention will be described in more detail below with reference to the drawings and the component symbols, so that the ordinary knowledge of those skilled in the art of the present invention can be implemented after the study of the present specification.

The fund platform of this creation is set up in the cloud server, and anyone who has independent financial lending transactions (including individuals and legal persons) who is legally required to use the Internet connection An electronic device (such as a mobile device such as a desktop or a notebook computer, a mobile phone or a tablet) transmits the identity information to the fund transaction platform 10, and can apply for registration as a borrowing member or an investment member. After the management personnel of the fund trading platform review the applicant's identity and credit information in accordance with the provisions of the law and the authenticity, the management personnel will be based on the applicant's application for registration, the applicant's identity information, credit information, and credit for loan lending transactions. The amount or investment amount is stored in the borrower member information area and the investment member data area. It is worth noting that the fund trading platform of this creation only allows applicants to apply for registration as a borrowing member or investment member during each fund transaction. It is not allowed to register as both a borrowing member and an investment member at the same time to avoid an application with good financial status. People use the capital trading platform for arbitrage.

Figure 1 is a block diagram of one embodiment of a capital trading platform for the creation. As shown in FIG. 1 , the fund transaction platform 10 includes: a transaction database 101, a receiving module 102, a processing module 103, and a transmission module 104. The processing module 103 is connected to the transaction database 101, the receiving module 102, and the transmission. The module 104, wherein the transaction database 101 is, for example, a Direct-Attached Storage (DAS) or a Fabric-Attached Storage (FAS), and stores the identity of the borrower 11 and the investment terminal 12. Information, credit information, credit lines or investment quotas for fund lending transactions. The borrowing member and the investment member can conduct the fund lending transaction on the fund trading platform 10 to be divided into: the matchmaking phase, the bidding phase and the performance phase. The detailed step flow of each stage is explained below.

Figure 2 is a flow chart showing the steps of the mediation phase of the fund lending transaction shown in Figure 1. As shown in FIGS. 1 and 2, in step S20, when the receiving module 102 receives a loan information from a borrowing terminal 11 via the network 100, the borrowing information includes the verification information of the borrowing end 11, the minimum borrowing amount, the maximum borrowing rate, and The processing module 103 starts the mediation phase: in step S21, the processing module 103 determines whether the verification information of the borrower 11 meets the identity information of the borrower and determines whether the minimum loan amount is less than the credit limit, and if the judgment is no ( If the condition is not met, the process proceeds to step S22, the processing module 103 generates a rejection notice, and the transmission module 104 transmits the rejection notice to the borrower 11 via the network 100. If the determination is yes (all the conditions are met), the process proceeds to step S23, and after the transmission module 104 transmits the loan information to the plurality of investment terminals 12, the receiving module 102 receives the plurality of corresponding borrowing information from the plurality of investment terminals 12 through the network 100. Investment information, each investment information includes verification information, investment amount and investment interest rate of each investment terminal 12; in step S24, the processing module 103 determines whether the verification information of each investment end meets the identity information of each investment end, and determines whether the investment amount is less than the investment amount. And the amount of the loan, if the judgment is no (any of the conditions are not met), then the process proceeds to step S25, the processing module 103 generates a rejection investment notification, and the transmission module 104 transmits the rejection investment notification to the investment information through the network 100. Investment terminal 12. If the determination is yes (all conditions are met), then the process proceeds to step S26, and the processing module 103 sets the borrowing end 11 and the plurality of investment terminals 12 corresponding to the current loan information as a transaction group, and enters the bidding stage.

In order to improve the protection of the investment terminal 12, the borrower 11 may make the purpose of the loan (such as but not limited to: repair of the house, purchase of raw materials or equipment, operating turnover, litigation costs), income and expenditure status, balance sheet status, or all of others' own reservations. The information on the loan guarantee secured by the movable property, the real estate right and the real property right secured by the real estate right (if any), and the income and expenditure are entered into the borrowing information, and the investment terminal 12 evaluates the investment risk to determine the investment interest rate. In order for the borrower 11 to have the opportunity to obtain the loan at a lower borrowing rate, the highest borrowing rate entered by the borrower 11 is only used as a condition for filtering the investment rate of the investment terminal 12, and the fund trading platform 10 may choose to hide the maximum borrowing rate of the borrower 11; If it is considered to improve the efficiency of the matchmaking, the fund trading platform 10 can expose the highest borrowing rate of the borrower 11 to the investment terminal 12 for the investment terminal 12 to input or modify the reference information of the investment interest rate.

The specific example is used to explain the process of the fund trading platform 10 in the mediation phase. Table 1 shows the borrowing information input by the borrower, and Table 2 shows the investment information input by the investment terminal.

In this embodiment, the verification information of the borrower 11 and the investment terminal 12 in Tables 1 and 2 is the answer stored by the borrowing member or the investment member on the problem of the fund transaction platform 10 at the time of application. In other embodiments, the verification information may be, but is not limited to, an electronic signature, an image, a fingerprint, a sound, and the like of the borrowing member or the investment member. Assume that the approved credit limit of the borrowing member B001 shown in Table 1 is 3 million. The investment quota of the investment member L001 shown in Table 2 is 1 million. The processing module 103 judges the loan from the borrowing member B001 (borrowing terminal 11). Information and investment information from investment member L001 (investment terminal 12) is true and meets various conditions. Processing module 103 corresponds to borrowing information of borrowing member B001 (borrowing terminal 11), and will invest member L001 (investment terminal 12) and its investment. Information is added to this trading group. It is worth noting that the investment amount of the investment terminal 12 is not limited in principle, but to avoid the investment amount is too small (for example, less than 10,000 yuan) or the ratio of the minimum borrowing amount is too small (for example, less than 1%). The economic benefits (such as the interest paid by the borrowing member, the capital transfer fee, and the service fee of the fund trading platform and other borrowing costs exceed the amount paid by the existing financial model), the management personnel of the fund trading platform 10 can individually set according to the loan information. The minimum investment amount of the investment terminal 12, for example but not limited to 10,000 yuan, 20,000 yuan, 50,000 yuan, 100,000 yuan, 200,000 yuan or 500,000 yuan.

Figure 3 is a flow chart showing the steps of the bidding phase of the fund lending transaction in the capital trading platform shown in Figure 1. As shown in FIGS. 1 and 3, in step S30, the processing module 103 selects an investment interest rate that is less than the highest borrowing rate from the investment information and sets it as a candidate interest rate, and generates a ranking of each candidate interest rate from small to large, and starts the bidding phase; step S31 The processing module 103 accumulates the investment amount of each candidate interest rate according to the ranking of the candidate interest rates, and generates a cumulative investment amount corresponding to each candidate interest rate; in step S32, the processing module 103 calculates the difference between each accumulated investment amount and the minimum loan, and the difference is calculated by the difference. The maximum negative value to the minimum positive value sequentially define the first cumulative investment amount to the Nth cumulative investment amount, wherein the accumulated investment amount with the difference of the minimum borrowing amount of 0 or the minimum negative value is the N-1 cumulative investment amount, Step S32 is represented by an arithmetic expression: cumulative investment amount = Σ (investment amount of the same candidate interest rate) _i , i is a positive integer order of candidate interest rates not greater than the highest borrowing rate, i=1, 2...N-1, N , N + 1 ..., Σ (the same amount of investment interest candidate) _N-1 ≦ minimum loan amount <Σ (the same amount of investment interest candidate) _N ≦ terminal credit loan, N being a positive integer not less than 2; Step S33, the first processing module 103 to the accumulated investment amount of each of the N end investment corresponding to the amount of the total investment 12 are sequentially set to the first end 12 of the winning investment _to N-th end 12 investment bid _N; step S34 The processing module 103 determines whether the difference between the N-1 cumulative investment amount and the minimum borrowing amount is 0. If the determination is yes, the process proceeds to step S35, and the processing module 103 lists the Nth winning investment terminal _12N as a candidate. The target investment terminal, before the investment date, if the receiving module 102 receives at least one first investment target 12 ₁ to the N-1 winning investment terminal 12 _N-1 through the network 100, then Proceeding to step S351, the processing module 103 sets the candidate bidding investment terminal to obtain the target investment terminal; in step S36, the processing module 103 selects each candidate according to the first winning target terminal 12 ₁ to the Nth winning target terminal 12 _N The interest rate and the amount of each investment generate transaction establishment information. The transaction establishment information includes at least one loan interest rate, the borrowing amount of the borrower 11 and the repayment period, and the lending amount of the first winning bid 12 ₁ to the Nth winning bid 12 _N And the investment date; in step S37, the transmission module 104 transmits the transaction through the network 100. Information are transmitted to the second end 11 of the borrower to invest a bid end 12 ₁ to the end of the investment bid N 12 _N, into the stage performance.

It should be noted that, in step S35, if a special case in which the accumulated investment amount of all the investment terminals 12 is equal to the minimum borrowing amount occurs (that is, there is no Nth accumulated investment amount), the processing module 103 has the largest negative value among the differences. The difference is 0 to define the first cumulative investment amount to the N-1 cumulative investment amount, and the amount of the Nth accumulated investment amount is recorded as the “minimum borrowing amount +”, and the Nth winning investment terminal is 12 _N (alternate The number of people in the standard investment terminal is recorded as 0, and the process proceeds to step S36.

Regarding the loan amount of the first winning investment terminal to the Nth winning investment terminal, the processing module 103 directly sets the investment amount of the first winning bid terminal 12 ₁ to the N-1 winning bid terminal 12 _N-1 as the loan amount. The amount, and the N-winning investment terminal 12 _N or the amount of the loan to be acquired by the standard investment terminal shall be determined according to the N-winning investment terminal 12 _N or the acquisition of the target investment terminal as a single or plural. If the processing module 103 determines that the Nth winning bid terminal 12 _N or the acquiring target investment terminal is single, the processing module 103 further determines whether the Nth cumulative investment amount exceeds the credit limit of the borrowing end 11; if it is determined not to exceed The processing module 103 sets the loan amount of the Nth winning bid terminal 12 _N or the acquiring target investment terminal to the investment amount of the Nth winning bid terminal 12 _N ; if it is determined to be exceeded, the processing module 103 will obtain the Nth bid. The loan amount of the investment terminal 12 _N or the underlying investment terminal is set as the difference between the minimum loan amount (or credit limit) and the N-1 cumulative investment amount. If the processing module 103 determines that the Nth winning bid terminal 12 _N or the acquiring target investment terminal is plural, the processing module 103 further determines whether the Nth cumulative investment amount exceeds the credit limit of the borrowing end 11; if it is determined not to exceed The processing module 103 sets the loan amount of the Nth winning bid terminal 12 _N or the acquiring target investment terminal to the investment amount of the Nth winning bid terminal 12 _N ; if it is determined to be exceeded, the processing module 103 will obtain the Nth winning bid. investment end 12 _N or each is making lending amount landmark investment end is set to the minimum loan amount (or credit) and the difference between the total investment amount of the N-1 multiplied by the respective first N bid investments end investment 12 _N accounted for the N The proportion of the sum of the investment amount of the winning investment 12 _N. The loan interest rate established by the transaction may be selected from at least one candidate interest rate of the candidate investment interest rate corresponding to the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N , and the borrowing amount of the borrowing terminal 11 is the minimum borrowing amount or the N cumulative amount. investment amount.

Following the above specific examples, Table 3 is the bid status table for this transaction, and Table 4 is the transaction establishment information for sorting the winning bids located in the last group.

In this embodiment, the processing module 103 in Table 3 performs the steps of: selecting an investment interest rate that is not greater than the highest borrowing rate (12%) from all investment information as a candidate interest rate (8-12%); The size of 8-12%), from small to large, the candidate interest rate is 1 to 9; the total investment amount of individual candidate interest rates is calculated (100,000-900,000 yuan); the 1st to 9th are calculated according to the ranking of the 1st to 9th candidate interest rates. The difference between the accumulated investment amount and the minimum loan amount (2 million yuan); the difference between the 5th accumulated investment amount and the minimum borrowing amount (2 million yuan) is the minimum negative value (-500,000 yuan), and the 6th cumulative investment The difference between the amount and the minimum loan amount (2 million yuan) is the minimum positive value (+100,000 yuan) and not greater than the credit limit of the borrower (3 million); the difference between the accumulated investment amount and the minimum borrowing amount is 0. All investment members (30 persons) corresponding to the accumulated investment amounts of 1st to 6th are sequentially set as the first to sixth winning investment terminals 12 _1-1 to 12 _1-5 , 12 _2-1 to 12 _2-5 , 12 _{3 -1} to 12 _3-5 , 12 _4-1 to 12 _4-5 , 12 _5-1 to 12 _5-5 , 12 _6-1 to 12 _6-5 . The steps performed by the processing module 103 in Table 4 include: judging that the accumulated investment amount of the first to sixth (2.1 million yuan) does not exceed the credit limit (3 million yuan), and the investment amount of each of the sixth winning bids (assuming the sixth The investment amount of the five investment members of the standard investment terminal 12 _6-1 to 12 _6-5 is the same as the loan amount (120,000 yuan); the highest candidate interest rate of the first to sixth winning investments (ie the sixth) The candidate interest rate of the winning investment terminal is 10.5%.) The loan interest rate (10.5%) of the borrowing member of the transaction and all the winning investment members is set, or the candidate interest rate of the first to sixth winning investment terminals is used as the borrowing of the borrower. Interest rates (8%, 8.5%, 9%, 9.5%, 10% and 10.5%). The fund trading platform 10 charges only one service fee for one transaction. The service fee charged by the fund trading platform 10 to the borrower 11 and each of the winning investment terminals 12 _1-1 to 12 _6-5 is multiplied by the loan amount and the loan amount. Proportion, such as but not limited to 1%, 2%, 3%, 4% or 5%, the service fee of the fund trading platform 10 is additional, so as not to affect the borrowing amount of the borrower 11 and the winning investment terminal 12 _1-1 The loan amount to 12 _6-5 .

The capital trading platform 10 may adopt static bidding or dynamic bidding in the bidding stage. The static bidding means that the investment terminals 12 do not know each other's investment interest rate and investment amount in the bidding process, and the processing module 103 directly determines the bidding step according to the above steps. Standard bidding; dynamic bidding means that before the bidding deadline entered by the borrower 11, the investment information of each investment terminal 12 and the instant bidding order are disclosed to all the investors 12 . The dynamic bidding process includes: the processing module 103 generates a bid status table as shown in Table 3 according to the received investment information (the field of the "bidding result" is not displayed before the bid deadline), and the transmission module 104 passes through the network 100. The bid status table is transmitted to each investment terminal 12 in real time, and each investment terminal 12 can evaluate whether to modify the investment interest rate or investment amount of the investment information from the bidding situation disclosed in the bid status table. When the receiving module 102 receives the investment information modified by any of the investment terminals 12 (the investment status table will retain the original and previous modified bid information of the investment terminal 12), the processing module 103 updates the bid status table according to the modified investment information, and transmits the model. Group 104 transmits the updated bid status table to each investment terminal 12 in real time. In the static bidding method, each investment terminal 12 may lend funds at the investment rate that it expects. Therefore, the loan interest rate established by the transaction can be matched with the differential interest rate model (ie, the candidate interest rate of the individual winning bid 12); In this way, the borrower 11 is likely to obtain funds at a lower lending rate. Therefore, the lending rate established by the transaction can be matched with the single interest rate mode (ie, the candidate interest rate of the winning bid 12 at the last group). By Static or dynamic bidding with a difference or a single lending rate can balance the interests of the borrower 11 and the investor 12.

Figures 4A and 4B are flow diagrams showing the steps of the fulfillment phase of the fund lending transaction for the fund trading platform shown in Figure 1. In the performance phase, the investment date of the winning investment terminal 12 ₁ to 12 _N and the repayment date of the borrower 11 are respectively taken as the transaction effective time point and the transaction completion time point. As shown in FIGS. 1 and 4A, in step S40, before the transaction takes effect, when the receiving module 102 receives at least one of the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N before the investment date, the investment notice is abandoned. Going to step S41, the processing module 103 determines whether the loan amount of the first bid-winning investment terminal 12 ₁ to the N-th winning investment terminal 12 _N minus the loan amount of the waiver investment notice is less than the minimum borrow amount; if the judgment is yes, Proceeding to step S42, the processing module 103 generates a transaction ineffective notification, and the transmission module 104 transmits the transaction ineffective notification to the borrowing end 11 and the first winning bidding terminal 12 ₁ to the Nth winning bidding terminal 12 _{N , respectively} . If the judgment is no, since the remaining loan amount is still not less than the minimum loan amount, the loan amount of the waiver of the investment notice does not affect the transaction, and the transmission module 104 only transmits the waiver investment notice to the borrower 11 and the first bidding investment terminal respectively. 12 ₁ to the Nth winning investment terminal 12 _N .

Following the above specific example, before the investment date, if the receiving module 102 receives the waiver investment notice of at least one of the first winning bid terminals 12 _1-1 to 12 _1-5 , the loan amount established as the transaction is 2.1 million yuan. The processing module 103 determines that the loan amount (not more than 100,000 yuan) discarded by the first winning bidding terminal is not affected by the transaction establishment (the remaining loan amount is not less than the minimum loan amount of 2 million yuan); therefore, the transmission module 104 only 1 The abandonment investment notices of the bid-winning investment terminals 12 _1-1 to 12 _1-5 are transmitted to the borrower 11 and the first bid-winning investment terminal to the sixth winning bid-winning terminal 12 _1-1 to 12 _{6-5 respectively} . If the receiving module 102 receives the abandonment investment notification of at least one of the sixth winning bid terminals 12 _6-1 to 12 _{6 -5} , since the loan amount established by the transaction is 2.1 million yuan, the processing module 103 determines to deduct at least one sixth. The amount of the loan that the bidding terminal 12 _6-5 gave up (assuming not less than 120,000 yuan), the remaining loan amount of up to 1.98 million yuan less than the minimum loan amount of 2 million yuan affects the establishment of the transaction, and the unsuccessful bidders 12 _1-1 to 12 _6-4 have not yet transferred the loan amount to the bank account designated by the borrower 11, and the processing module 103 immediately generates a notification that the transaction is not effective; the transmission module 104 transmits the transaction ineffective notification to the borrower 11 respectively. And the first winning bid to the sixth winning bid 12 _1-1 to 12 _6-5 to avoid disputes on whether the transaction is effective or how to perform.

Step S43, at the end of the investment date, the receiving module 102 receives the remittance information of the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _{N to} transfer the loan amount to the bank account designated by the borrowing terminal 11 , and the processing module 103: determining whether the loan amount that has been remitted in the remittance information is less than the minimum loan amount; if the determination is yes, proceeding to step S44, the processing module 103 generates a transaction suspension notification; and the transmission module 104 transmits the transaction suspension notification to the borrowing end 11 respectively. The bank designated by the borrower 11 and the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N . If the judgment is no, it indicates that the lending amount of the first winning bidding terminal 12 ₁ to the Nth winning bidding terminal 12 _N has been transferred to the bank account designated by the borrowing end 11 is not less than the minimum borrowing amount, and the transaction is effective, then the process proceeds to step S45. The processing module 103 generates a consumer loan contract and a repayment instruction according to the transaction establishment information and the remittance information; the transmission module 104 transmits the consumer loan contract and the repayment specification to the borrower 11 and the first bidding investment terminal 12 ₁ to N, respectively. Winning the investment terminal 12 _N .

Following the above specific example, at the end of the investment date, the receiving module 102 receives the remittance transmitted by the borrowing terminal 11 or its designated bank to the first winning investment terminal 12 _1-1 to 12 _6-5 . After the information, since the loan amount established by the transaction is 2.1 million yuan, if the processing module 103 determines that at least one of the first winning bid terminals 12 _{1-1 has} not remitted the loan amount (not more than 100,000 yuan) to the borrower terminal 11 The designated bank account, but does not affect the transaction effective (the remitted loan amount is not less than the minimum loan amount of 2 million yuan), therefore, the processing module 103 sets up the information and remittance information according to the transaction (including the first amount of the remitted loan amount) The winning investment terminal to the sixth winning investment terminal 12 _1-2 to 12 _6-5 ) generates a consumer loan contract and a repayment instruction; the transmission module 104 transmits the consumer loan contract and the repayment specification to the borrower 11 and the first 1 Winning the investment to the 6th winning investment terminal 12 _1-2 to 12 _6-5 . Table 5 is the first to second repayment dates and repayment amount of the repayment instructions of each of the 6th winning bids 12 _6-1 to 12 _6-5 .

At the end of the investment date, if the processing module 103 determines that at least one of the sixth winning bid terminals 12 _{6-5 has} not remitted the loan amount (120,000) to the bank account designated by the borrower 11, the transaction is effective (the remaining loan amount) Up to 1.98 million yuan less than the minimum loan amount of 2 million yuan), but the remaining winning investment terminals 12 _1-1 to 12 _6-4 have remitted the loan amount to the bank account designated by the borrower, and the processing module 103 generates the transaction immediately. Suspending the notification; the transmission module 104 transmits the transaction suspension notice to the borrowing terminal 11 and the first winning investment terminal to the sixth winning investment terminal 12 _1-1 to 12 _{6-4 respectively} , and the borrowing terminal 11 and the remitted loan The winning bids 12 _1-1 to 12 _6-4 of the amount are negotiated on the fund trading platform 10 to continue the transaction to avoid disputes over the validity of the transaction.

As shown in FIGS. 1 and 4B, in step S46, at the end of each repayment date, the receiving module 102 receives the borrowing end 11 and remits the loan amount and interest into the first winning bid terminal 12 ₁ to the Nth winning bidding end. After the repayment information of the bank account specified by 12 _N , the processing module 103 determines whether the loan amount and interest that have been remitted in the repayment information meet the repayment amount of the repayment specification; if the judgment is yes, the fund transaction is completed, and the entry is made. In step S47, the processing module 103 generates a transaction completion notification including the remittance information of the winning investment terminals 12 ₁ to 12 _N , the repayment information of the borrowing end 11 , and the like, and the transmission module 104 transmits the transaction completion notification to the borrowing end. 11 and the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N ; the transaction database 101 stores the fund transaction data. If the processing module 103 determines that the loan amount and the interest amount remitted in the repayment information are less than the repayment amount of the repayment specification, the process proceeds to step S48, and the processing module 103 generates a reminder notification including the unpaid amount; the transmission module 104 The notification notification is transmitted to the borrowing end 11 and the first winning bidding terminal 12 ₁ to the Nth winning bidding terminal 12 _{N respectively} ; in step S481, after the late payment repayment period expires, the processing module 103 determines whether the borrowing end 11 will not be returned. The payment amount and the delayed interest are remitted to the bank account designated by the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N ; if the determination is no, the process proceeds to step S482, and the processing module 103 generates a transaction termination notification, the transmission mode. The group 104 transmits the transaction termination notice to the borrowing terminal 11 and the first winning bidding terminal 12 ₁ to the Nth winning bidding terminal 12 _{N respectively} , and the borrowing end 11 and each winning investment that has not received the repayment amount and the delayed interest. The management personnel of the terminal 12 _1-N and the money transaction platform 10 negotiate a solution. If the late payment repayment period expires, the receiving module 102 receives the repayment amount of the unpaid amount and the delayed interest of the borrowing terminal 11 into the bank account designated by the first winning bid terminal 12 ₁ to the Nth winning bid terminal 12 _N. When the information is entered, the process proceeds to step S47, and the fund transaction is completed.

As in the above specific example, the fund transaction platform 10 does not open or manage an online bank account for the funded terminals 12 _1-1 to 12 _6-5 and the borrower 11 to remit funds. In principle, the bank account used by the fund exchange is self-designated by the winning bids 12 _1-1 to 12 _6-5 and the borrower 11 , but the number of people in the bid-winning investment terminals 12 _1-1 to 12 _6-5 is excessive. Or the borrower 11 has the provision of real estate as a guarantee. The borrower 11 of the trading group and the winning bids 12 _1-1 to 12 _6-5 can trust the funds or real estate to the same financial institution to reduce the capital transaction. Cost and improve the security of capital transactions. In the event that the borrower 11 is unable to repay the loan according to the contract, the fund trading platform 10 can assist the winning investment terminal 12 _1-1 to 12 _{6-5 to} deal with the real estate of the secured creditor to reduce the relevant evidence of the fund transaction. Winning the loss of the investment terminal 12 _1-1 to 12 _6-5 .

Figure 5 is a block diagram of another embodiment of the fund trading platform of the present invention. As shown in FIG. 5, the fund transaction platform 50 includes a transaction database 501, a receiving module 502, a processing module 503, a transmission module 504, and a memory controller 505, wherein the processing module 503 is connected to the transaction database 501. The receiving module 502 and the transmission module 504 are connected to the transaction database 501 and the processing module 503, respectively. The flow of steps for the borrower 11 and the investment terminal 12 to conduct a fund loan transaction on the fund transaction platform 5 via the network 100 is as described in the above embodiment and the figures 2, 3, 4A and 4B.

In this embodiment, the transaction database 501 includes a readable and writable memory 5011 and an anti-overwrite memory 5012. The readable and writable memory is, for example but not limited to, a solid state hard disk or a mechanical hard disk. The anti-overwrite memory 5012 is, for example but not limited to It is a programmable read-only memory and a one-time read-only memory. The processing module 503 adds dynamic information such as the identity information of the borrower 11 and the investment terminal 12, the credit information, the credit limit or the investment quota for the fund loan transaction, and the bid status table (as shown in Tables 1, 2 and 3). The first storage location command is transmitted to the memory controller 505; the memory controller 505 stores the dynamic data to the rewritable memory 5011 of the transaction database 501 according to the first storage location command. The processing module 503 adds the second storage location instruction to the transactional information such as the transaction establishment information (as shown in Table 4), the consumer loan contract, the repayment instruction (as shown in Table 5), and the fund transaction information, and transmits the information to the second storage location instruction. The memory controller 505 stores the above-mentioned stored data in the anti-rewrite memory 5012 of the transaction database 501 according to the second storage location command, and the stored data stored in the anti-rewrite memory 5012 can only be stored. Read and cannot be modified or deleted to ensure the security and authenticity of the transaction data.

It is worth noting that the above specific example only describes the steps of the capital transaction platform for the creation of the fund trading platform by the “tens of thousands of people investing millions of dollars in one person”, because the capital transaction platform of this creation will correspond to the single investment information. Information, providing borrowers and investment members free to decide on the terms of the loan, and solving the technical problems of one-person bidding and trading information security. Therefore, the capital trading platform of this creation can provide more investors (such as hundreds of people). Under the condition of no time and space restrictions and low risk, the single borrower will make a higher investment amount (for example, tens of millions) of funds transactions, and achieve the goal of inclusive finance to pursue low cost, autonomy and high profit.

The above embodiments are merely illustrative of the principles of the present invention and its effects, and are not intended to limit the present invention. Anyone who is familiar with this profession can do without violating the spirit and scope of this creation. Modifications and changes are made to the above embodiments. Therefore, those skilled in the art can accomplish this without departing from the spirit and technical principles disclosed in the present disclosure. All equivalent modifications or changes are still covered by the scope of the patent application of this creation.

Claims (10)

A fund trading platform comprising: a transaction database storing at least one identity information of the borrower and identity information of the plurality of investment terminals; the receiving module receiving a loan information from the borrower and the investment terminals via the network respectively The investment information corresponding to the loan information, wherein the loan information includes verification information of the borrower, minimum borrowing amount and maximum borrowing interest rate, and each investment information includes verification information, investment amount and investment interest rate of each investment end, each of which The investment amount is less than the minimum borrowing amount; the processing module is connected to the transaction database and the receiving module, and the verification information of the borrowing information and the verification information of each investment information are in accordance with the identity information of the borrowing party and each After the identity information of the investment side, the following steps are performed: the investment interest rate selected from the investment information is less than the highest interest rate, and the investment interest rate is set as the candidate interest rate, and the candidate interest rate is generated from small to large; the ranking is based on the candidate interest rate. The investment amount of each candidate interest rate generates a cumulative vote corresponding to each candidate interest rate Amount; calculate the difference between each accumulated investment amount and the minimum borrowing amount, and define the first cumulative investment amount to the Nth cumulative investment amount from the largest negative value to the minimum positive value of the difference, and N is not less than 2 An integer, wherein the accumulated investment amount that is the difference of the minimum borrowing amount of 0 or the minimum negative value is the N-1 cumulative investment amount; the first accumulated investment amount is the investment corresponding to the Nth accumulated investment amount The terminal is sequentially set as the first winning target to the Nth winning investment; and the transaction establishment information is generated according to each candidate interest rate of the first winning investment terminal to the Nth winning investment terminal and each investment amount. The transaction establishment information includes at least one loan interest rate, the The borrowing amount of the borrower and the lending amount of the first winning bid terminal to the Nth winning bidder; and the transmission module, connected to the processing module, respectively transmitting the transaction establishment information to the The borrower and the winning bidder. For example, in the fund trading platform described in claim 1, wherein the transaction database stores the credit limit of the borrowing end, after the processing module determines that the verification information of the borrowing information meets the identity information of the borrowing end, The processing module further determines whether the minimum loan amount is not greater than the credit limit; if the determination is yes, the transmission module transmits the loan information to the investment terminals. For example, the fund transaction platform described in claim 2, wherein the Nth cumulative investment amount is not greater than the credit limit. The fund trading platform as described in item 1 of the patent application, wherein the transaction database stores the investment amount of each of the investment terminals, and the processing module determines that the verification information of each investment information conforms to the identity information of each investment terminal. Afterwards, the processing module further determines whether each of the investment amounts is not greater than each of the investment quotas; if the determination is yes, the processing module selects the investment information that the investment interest rate is less than the highest borrowing interest rate according to each of the investment information. For example, in the fund trading platform described in claim 1, wherein the transaction database stores the borrowing page of the borrowing end and the investment page of each investment terminal, when the borrowing party sets the maximum borrowing interest rate and the minimum borrowing amount. Entering the loan page to generate the loan information, the processing module loads the minimum loan amount into each investment page; the transmission module transmits each investment page that loads the minimum loan amount to each investment terminal, The investment terminal inputs the investment interest rate and the investment amount into the investment page to generate the investment information corresponding to the loan information. For example, in the fund transaction platform described in claim 1, wherein the loan information further includes a bid deadline, and before the bid deadline, the processing module is based on the received vote. The information information generates a bid status table; the transmission module transmits the bid status table to each of the investment terminals, and each of the investment terminals can modify the investment interest rate or the investment amount of the investment information through the network. For example, in the fund transaction platform described in claim 6, when the receiving module receives the investment information modified by the investment terminal, the processing module updates the bid status table according to the modified investment information; the transmission module The updated bid status table is transmitted to each of the investors. For example, in the fund trading platform described in claim 1, wherein the borrowing interest rate is selected from at least one of the candidate interest rates, and the borrowing amount of the borrowing end is the minimum borrowing amount or the Nth cumulative investment amount. For example, the fund transaction platform described in claim 1 includes a memory controller connected to the transaction database and the processing module, wherein the transaction database includes readable and writable memory and anti-rewrite memory. body. The fund trading platform as described in claim 9 wherein the memory controller stores the identity information of the borrower and the borrowing information, and the identity information of the investment terminals and the investment information in the investment information. The readable and writable memory stores the transaction establishment information in the anti-rewrite memory.