TWM582180U - Rent related finance system and management platform thereof - Google Patents

Abstract

A rent related finance system and a management platform thereof are provided. The finance system includes at least one purchase terminal, an account management server and a management platform. The purchase terminal receives pay behavior through the pay carrier, and a pay amount corresponding to the pay behavior is recorded. The account management server provides a specific account for saving a rebate and rental expense. The management platform determines a deduct of the rental expense according to the rebate corresponding to the pay behavior, and determines a repay plan according to the residue from the rebate. The repay plan is related to how to take back the residue from the specific account in a period. Accordingly, it is easier to manage the rent.

Description

Leasing related financial systems and their management platforms

This new creation is about a financial management technology, and in particular, it relates to a leasing-related financial system and its management platform.

In the era of rising housing prices, renting houses have become the living style of more and more people, especially in the urban area. According to the statistics of the Ministry of the Interior, the current rental market scale is 985,000, which is 21% higher than the 808,000 households in 2010. If you take the average population of 2.69 per household, which is equivalent to 2.65 million people living in rented houses every year, plus the number of students living in the Ministry of Education is 300,000. The number of people who have rented houses is about 3 million, accounting for the entire population. About one eighth. However, the demand for 3 million people may be just the tip of the iceberg in the rental market.

For a long time, the leasing industry has never been a "formal" market in Taiwan. Behind the public secrets that both the government and the public know well, up to 90% of the landlords have not paid taxes on the "underground economy." No one knows how big the scale of the underground economy is. At present, the only official indicator of the leasing market can only be learned from the "real estate transaction price inquiry system". Only those who are dealt by the real estate agent are required to log in. The self-rent is not included. .

On the one hand, to combat high housing prices, on the one hand, to provide a sound rental market, and also to pay attention to avoiding the landlord's vicious housing price. The problem is a key issue that the government cannot ignore.

It is also worth noting that although most financial related transactions or commodities have provided intelligent or digital services in recent years, leasing is usually agreed between the tenant and the lessor, and it is difficult for the banking industry to involve. Therefore, the payment management related to leasing is rarely heard.

In view of this, the novel creation provides a rental-related financial system and its management platform, which changes the mechanism of the traditional lease payment, and can facilitate the renter to manage the rent collection, and can also automatically remind the tenant.

The lease-related financial system created by the novel includes at least one consumer terminal, a dedicated account management server and a management platform. The consumer terminal receives the payment behavior through the payment vehicle and records the payment amount corresponding to the payment behavior. The account management server provides a payment account, and the payment account is the first rebate for the payment amount and the lease amount. The management platform deducts the tenant's lease amount according to the first rebate amount corresponding to the payment amount of the payment behavior, and decides to return the plan according to the remaining amount after the first reward is deducted. This reimbursement plan is related to the gradual self-paying account to receive the remaining amount during the period.

On the other hand, the management platform of the novel creation includes a storage, a network module and a processor. The storage records the number of modules and the tenant's lease amount. The network module is used to connect to the Internet. The processor is coupled to the storage and the network module. The processor loads and executes those modules recorded by the storage. And those modules include the deduction calculation module and the lead calculation module. The deduction calculation module deducts the lease amount from the first rebate corresponding to the payment amount of the payment behavior. These payment actions are made through payment vehicles on the consumer terminal. The lead-back calculation module determines the return plan based on the remaining amount of the first feedback gold after the deduction. This reimbursement plan is related to the gradual self-paying account to receive the remaining amount during the period, and the payment account is for the first rebate and the lease amount.

Based on the above, the lease-related financial system and its management platform created by the present invention deduct the payment amount of the tenant on the consumer terminal from the lease amount, and provide a payment account to facilitate the tenant to remit and remit to the lessor. Encourage tenants to spend on innovative consumption-to-rental incentives. Tenants can check the consumption records and deductions by mobile phone or computer, and the lessor can also log in to the digital platform to manage the tenant's rent payment.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

1 is a schematic diagram of a rental related financial system 1 in accordance with an embodiment of the present invention. The rental financial system 1 includes at least but not limited to a tenant and a lessor's client terminal 10, 20, a special account management server 30 providing a payment account, a carrier providing server 40 for providing a payment carrier 25, a station or More consumer terminals 50 and management platform 100.

The client terminals 10, 20 may be electronic devices such as smart phones, tablets, notebook computers, desktop computers, etc., and the client terminals 10, 20 include at least network modules (for example, supporting fourth generation or later generations) Communication, Wi-Fi, or Ethernet, etc., displays (eg, LCD, or LED displays, etc.) and processors (eg, CPU, microcontroller, or Application-Specific Integrated Circuit, ASIC), etc., to connect to the Internet, display the user interface or notify and perform computing functions. In this embodiment, it is assumed that there is a lease relationship between the tenant and the lessor (for example, renting a house, renting a car, renting an electric appliance, etc.), and the tenant should pay a lease amount before the payment period arrives during the lease period. Among them, the payment cycle is a cycle in which the tenant pays the lease amount.

The account management server 30 and the carrier providing server 40 can be electronic devices of various types of servers, workstations, background hosts, etc. The account management server 30 and the carrier providing server 40 and at least the network module (for example, , support for fourth-generation mobile communications, Wi-Fi, or Ethernet, etc.), storage (for example, traditional hard disk (HDD), solid state drive (SSD), etc.) and processors (for example, CPU, micro-control , or ASIC, etc., to connect to the Internet (Internet), record customer (for example, tenants, lessors, etc.) rental information (for example, lease amount, lease period, payment cycle, rental debit account, And trust account, etc.) or transaction information (for example, payment vehicle 25 used, payment amount, etc.) and perform arithmetic functions. In this embodiment, the account management server 30 represents a server set up by a financial institution that provides a payment account (for example, a trust account, a non-interest-bearing account, etc.), and the payment account is generated by the consumer. The reward money and the amount of the lease are deposited. The carrier providing server 40 represents a server that is erected by a financial institution that issues (provides) or manages the payment carrier 25. In addition, the payment vehicle 25 may be a virtual wallet related to electronic money (for example, a third party payment, a financial institution such as an online bank (for example, provided by a bank or an insurance company)), and may be a credit card, a financial card, An entity such as a stored value card or a membership card pays for the product, and may be a physical card or a virtual card (for example, an action payment).

The consumer terminal 50 can be a physical terminal of a physical store (eg, a card reader, a credit card machine, or a scanner (for one-dimensional or two-dimensional barcodes)), or a checkout platform/virtual terminal of an online store (eg, a credit card) Internet, e-wallet, third-party payment transaction platform, etc.) and a server 40 providing a payment carrier 25 to provide transaction information (eg, payment vehicle 25 used, payment amount, etc.) . In addition, the payment vehicle 25 may be a virtual wallet related to electronic money (for example, a third party payment, a financial institution such as an online bank (for example, provided by a bank or an insurance company)), and may be a credit card, a financial card, An entity such as a stored value card or a membership card pays for the product, and may be a physical card or a virtual card (for example, an action payment).

The management platform 100 can be an electronic device such as a computer host, a server, or a background host. 2 is a block diagram of components of a management platform 100 in accordance with an embodiment of the present invention. Referring to FIG. 2, the management platform 100 includes at least but not limited to the storage unit 110, the network module 130, and the processor 150.

The storage device 110 can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory (Flash memory), traditional hard A disk (HDD), solid state drive (SSD) or similar component or a combination of the above components. In this embodiment, the storage device 110 is configured to store buffered or permanent data, software modules (for example, the deduction calculation module 111, the retraction calculation module 112, the rental notification module 113, etc.), an application program, Lease information (for example, lease amount, lease period, payment period, etc.), transaction information, rewards, deduction limits, retraction plans, etc., and details of which are to be detailed in the subsequent examples.

The network module 130 can support communication transceivers such as fourth generation (4G) or later generations of mobile communications, Wi-Fi, Ethernet, and fiber optic networks to connect to the Internet.

The processor 150 is coupled to the storage unit 110 and the network module 130, and may be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor. (DSP), programmable controller, special application integrated circuit (ASIC) or other similar components or a combination of the above. In the present creative embodiment, the processor 150 is configured to execute all the operations of the management platform 100, and can load and execute the software modules, files, and materials recorded by the storage unit 110.

In order to facilitate the understanding of the operation flow of the present creative embodiment, the management flow of the financial system 1 pair lease in the novel creation embodiment will be described in detail below. Hereinafter, the method described in the novel creation embodiment will be described in conjunction with each device of the financial system 1 and various components and modules of the management platform 100. The various processes of the method can be adjusted accordingly according to the implementation situation, and are not limited thereto.

3 is a flow chart of a rental management method in accordance with an embodiment of the present invention. Please refer to Figure 3, assuming that there is a lease relationship between the tenant and the lessor. For example, renting a house, renting a car, renting an electric appliance, or renting various types of items. A tenant can agree to a payment account (for example, a trust account, or other special account) with a specific bank for the rental amount to be remitted. The account management server 30 can set the payment account to set a specific amount to the lessor's appointed account on a regular or set date, or directly notify the lessor to retrieve it.

The tenant can deposit the deposit into the payment account. This deposit avoids the following circumstances before the expiration of the lease: 1. The bad lessor is maliciously deducted from the tenant's deposit by the damage to the lease (in the name of the reinstatement). 2. Before the tenant refunds the rent, the rent is refused and the deposit is deducted to the lease amount, and the malicious recovery of the damage to the lease target is avoided.

On the other hand, the carrier providing server 40 issues/provides a payment carrier 25 for use by the tenant. Each consumer terminal 50 can receive the transaction behavior performed by the tenant through the payment carrier 25 (step S301). In response to each transaction, the consumer terminal 50 will provide the payment amount for this transaction to the carrier providing server 40. The vehicle providing server 40 can record the consumption situation (or historical consumption record) based on the payment carrier 25. In particular, the consumption situation is related to the payment amount on the physical or virtual consumer terminal 50 via the payment carrier 25. For example, the amount of payment within a month, the time and amount of a particular channel, and so on. It is worth noting that the carrier providing server 40 further provides the payment vehicle 25 to receive the reward after consumption. For example, a specific proportion of the payment amount of feedback, feedback points / tokens, and so on. In addition, the rental notification module 113 can send a notification to the vehicle providing server 40 through the network module 130 to inform the (all or part of) the feedback money generated by the consumption of the consumer vehicle 25 into the payment account.

After receiving the transaction information provided by the consumer terminal 50 (or the carrier providing server 40), the deduction calculation module 111 of the management platform 100 determines whether the payment carrier 25 has occurred during the contract period recorded in the lease contract. If during the contract period, the deduction calculation module 111 obtains the rental amount of the payment carrier 25 corresponding to the customer (within a single payment period), and the rental notification module 113 transmits the rental amount through the newsletter, push the message, The mail or the like is immediately provided to the client terminal 10 corresponding to the tenant by the network module 130 (may also be notified to the customer terminal 20 of the lessor).

It is worth noting that the novel creation embodiment will determine the lease reduction offer based on the tenant's spending power. The deduction calculation module 111 may deduct the rental amount according to the rebate amount corresponding to the payment amount of the payment behavior of the tenant through the payment vehicle 25 on the consumer terminal 50 (step S302). In other words, the rewards received by the tenant at the physical or online store through the payment vehicle 25 (determined by the vehicle providing server 40, ie the first reward) can be used directly to offset the lease amount to mitigate The burden of the tenant. For example, a tenant pays a monthly rent of $10,000 and pays a total of $5,000 through the payment vehicle. If you give back the offer with 10% cash, there will be a reward of 500 yuan in the month, and the lease amount can be reduced to 9500 yuan.

In addition, the lessor can also offer rental offers to tenants. For example, the way in which the lessor participates in a digital transaction (eg, QR code, transaction code, etc.) can provide a discount. The lessor can log in to the webpage or application provided by the management platform 100 to set the offer content. For example, the preferential amount, the discount ratio, and the rental period conditions are in accordance with the corresponding specific offers. The deduction calculation module 111 will be based on the rebate (ie, the second rebate) generated by the lessor's additional rental offer for the lease amount, and the return of the aforementioned consumption (ie, the first rebate). Deducted from the lease amount. For example, a tenant pays a rent of $10,000 per quarter, and a total of $20,000 is paid through the payment vehicle. If you give back the offer with 20% cash, there will be a reward of 4,000 yuan in the quarter; if the lessor provides a 10% discount on the lease amount, there will be an additional reward of 1,000 yuan in the quarter; the lease amount can be reduced to Five thousand yuan (10,000 yuan minus four thousand and one thousand).

The lease notification module 113 can reduce the deductible amount and/or the lease amount minus the deductible amount, and the amount to be paid is immediately provided to the short message, push message, mail, etc. by the network module 130 before the payment period arrives. The client terminal 10 corresponding to the tenant (may also inform the customer terminal 20 of the lessor at the same time). On the other hand, the account management server 30 can set a debit mechanism with the tenant's account, and can automatically transfer the account from the tenant to the payment account at the expiration of each payment period.

It is worth noting that the above deductible amount may be subject to a maximum deduction. In other words, the aforementioned rewards can only be deducted to the set deduction limit for the lease amount. In an embodiment, if the deductible amount of the initial settlement is less than the deduction upper limit, the deduction calculation module 111 maintains the deduction amount unchanged. On the other hand, if the deductible amount of the initial settlement is not less than the deduction limit, the deduction calculation module 111 directly sets the deduction amount as the deduction upper limit. For example, the maximum amount of deduction is 5,000 yuan. If the deduction amount for the current month settlement is 3,000 yuan, the deductible amount will be maintained; if the deduction amount for the current month settlement is 6,000 yuan, then the maximum amount can only be deducted to 5,000 yuan in the current month. . It should be noted that the maximum amount of the deduction may be a specific amount, or a specific proportion of the lease amount, and more likely the amount of the lease amount after linear calculation.

The deduction upper limit may be preset fixed or may be manually changed, and may be adjusted based on the spending power. In an embodiment, the deduction calculation module 111 may determine an upper limit of the deduction of the rental amount based on the rebate generated by the payment of the payment carrier 25. If the rebate generated by the payment carrier 25 during the payment period is less than the lease amount, the deduction calculation module 111 lowers the deduction limit. For example, if the monthly repayment amount is 5,000, but the lease amount is 10,000, the original deduction of the upper limit of 5,000 yuan will be reduced to 2,500 yuan. It should be noted that the reduction of the upper limit of the deduction may be related to the feedback, or it may be a fixed value or a change with a specific linear relationship. On the other hand, if the rebate generated by the payment carrier 25 in the payment period is not less than the lease amount, the deduction calculation module 111 may set the deduction upper limit as the lease amount or increase the deduction limit. For example, if the reimbursement for the monthly consumption is 8,000 yuan and the lease amount is 6,000 yuan, the original deduction of the upper limit of 5,000 yuan will be increased to 6,000 yuan (that is, 100% deducted from the lease amount). It should be noted that the increase in the maximum amount of the deduction may be related to the reward, or it may be a fixed value or a change in a specific linear relationship.

In addition, in addition to the rebate directly in the current payment cycle to reduce the lease amount (that is, the tenant only needs to pay the amount to be paid), if the reward is deducted from the lease amount, there is still the remaining amount, this new creation can also The remaining amount is entrusted to the expert financial management by means of money trust, and the experts judge the investment risk and analyze the financial instruments. That is, the investment is profitable in an efficient manner, thereby providing an opportunity to increase the remaining amount. Specifically, the tenant still has to pay the original lease amount before the arrival of each payment cycle (instead of the aforementioned payable amount, and the account management server 30 can automatically transfer the leased account to the payment account from the tenant's account) . The amount of money generated by the consumption and the amount of the rebate provided by the lessor to deduct the amount of the lease will continue to be deposited in the payment account or transferred to a specific trust account. Bankers can use these remaining amounts (plus deposits) for (deposit/lending) to earn spreads or other types of investments.

For example, suppose the lease is about rent. The monthly rent is 10,000 yuan, and the monthly consumption is 20,000 yuan (the consumption rebate is 20% of the consumption amount). The rent of the landlord's rent is 10,000 yuan × 20% (concession discount) equal to two thousand yuan. The tenant's monthly consumption of 20,000 yuan × 20% (special store consumption feedback) is equal to four thousand yuan. The two rewards are added to the sum of six thousand. The deduction limit is set at 50% of the rent (for example, the repayment amount of the current month does not reach the rent of the house), that is, 5,000 yuan. There is still a remaining amount of 1,000 yuan for the return of the gold plus total rent to the house. This remaining amount can then be deposited in a payment account or transferred to a specific trust account, and used by the banker for various types of investments or to earn spreads.

The lead-back calculation module 112 can determine the lead-back plan according to the remaining amount after the reward is deducted (step S303). This reimbursement plan is related to the gradual self-paying account to receive the remaining amount during the period. This period is, for example, three years, five years, or twenty years. Gradually back here can be the return of the remaining amount for each or a specific month, quarter or year average or a specific ratio. The lead-back calculation module 112 can set the start time of the lead-back plan. For example, after 20 years from the establishment of the lease contract, 10 years after the initial amount of the lease, etc., it can be adjusted according to the demand. The lease notification module 113 can receive the return plan through the network module 130 and notify the customer terminal 10 of the tenant. The tenant can set up a direct retrieving on the client terminal 10 (the account management server 30 can transfer the retrieved amount from the payment account to the tenant's agreed account) or continue to invest (recovery amount continues to exist in bank payment) Household investment).

In summary, the lease-related financial system and its management platform created by the new model provide a mechanism for innovative consumption-to-rental to increase the purchase of real estate and expand domestic consumption, thereby activating the market economy. In addition, funds such as lease amount, consumption rebate, lease reduction and refund, deposit, etc. can be deposited in the payment account to facilitate the introduction of intelligent or digital functions (for example, reminder to pay rent, auto transfer, inform reduction, return calculation, calculation collar) Back planning, etc.). In this way, the lessor can conveniently check the payment of the rent, and the tenant can easily know the amount to be paid, the payment amount of the payment vehicle or the amount of the return.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

1‧‧‧Financial System  10, 20‧‧‧ client terminal  25‧‧‧Payment Vehicle  30‧‧‧Special Account Management Server  40‧‧‧ Vehicles provide servers  50‧‧‧ consumer terminals  100‧‧‧Management platform  110‧‧‧Storage  111‧‧‧Deduction calculation module  112‧‧‧Received computing module  113‧‧‧Leasing notification module  130‧‧‧Network Module  150‧‧‧ processor  S301~S303‧‧‧Steps  

1 is a schematic diagram of a rental related financial system in accordance with an embodiment of the present invention.  2 is a block diagram of components of a management platform in accordance with an embodiment of the present invention.  3 is a flow chart of a rental management method in accordance with an embodiment of the present invention.  

Claims (10)

A leasing-related financial system that includes:  Receiving, by the at least one consumer terminal, at least one payment action performed by using a payment vehicle, and recording a payment amount corresponding to the at least one payment behavior;  a special account management server providing a payment account, wherein the payment account is for depositing a first rebate and a lease amount for the payment amount;  a management platform, the first rebate corresponding to the payment amount of the at least one payment behavior is deducted to the tenant's rental amount, and a repurchase plan is determined according to the remaining amount of the first rebate after the deduction , wherein the back-to-back plan is related to gradually recovering the remaining amount from the payment account within a period.   The financial system related to the lease mentioned in claim 1, wherein the management platform determines a deduction limit of the lease amount according to the payment amount of the at least one payment behavior, wherein the first rebate reaches the lease amount Deducted to the upper limit of the deduction. For example, the financial system related to the lease mentioned in the first paragraph of the patent application, wherein  If the first rebate is less than the lease amount in a payment period, the deduction limit is lowered, wherein the payment period is a period in which the tenant pays the lease amount.   For example, the financial system related to the lease mentioned in the first paragraph of the patent application, wherein  If the first rebate is not less than the lease amount in a payment period, the deduction limit is the lease amount, wherein the payment period is a period in which the tenant pays the lease amount.   For example, in the financial system related to the lease described in claim 1, wherein the lease amount corresponds to a second reward, and the management platform deducts the lease amount according to the first reward and the second rebate. A management platform that includes:  a storage, recording a plurality of modules, and a tenant's rental amount;  a network module that connects to the Internet;  a processor coupled to the storage device and the network module, the processor loading and executing the modules recorded by the storage, and the modules include:  a deducting calculation module, the first rebate corresponding to the payment amount of the at least one payment behavior is deducted to the rental amount, wherein the at least one payment behavior is performed on the at least one consumer terminal through a payment carrier;  A lead-back computing module determines a retraction plan based on the remaining amount of the first rebate after the deduction, wherein the repurchase plan is related to gradually recovering the remaining amount from a payment account during a period. And the payment account is for the first reward and the amount of the lease.   The management platform of claim 6, wherein the deduction calculation module determines a deduction limit of the lease amount according to the payment amount of the at least one payment behavior, wherein the first rebate amount is the lease amount Deducted to the upper limit of the deduction. For example, the management platform described in claim 6 of the patent scope, wherein  If the first rebate is less than the lease amount in a payment period, the deduction calculation module lowers the deduction upper limit, wherein the payment period is a period regarding the tenant paying the lease amount.   For example, the management platform described in claim 6 of the patent scope, wherein  If the first rebate amount is not less than the lease amount in a payment period, the deduction calculation module sets the deduction upper limit as the lease amount, wherein the payment period is a period regarding the tenant paying the lease amount.   The management platform of claim 6, wherein the lease amount corresponds to a second reward, and the deduction calculation module deducts the lease amount according to the first rebate and the second rebate.