TWM607196U - Crude oil diversified trading system - Google Patents

Abstract

A crude oil diversified trading system, including an oil meter information storage unit, a crude oil quotation database, a quotation transaction processing module, at least one client device, a petrochemical manufacturer database, and a bank-side crude oil passbook server, through the oil meter information storage unit, the crude oil quotation database, the quotation transaction processing module, the customer device, the petrochemical manufacturer database, and cooperation with the bank-side crude oil passbook server, access customer transaction accounts and gasoline accounts to complete crude oil product conversion transactions.

Description

Crude Oil Diversified Trading System

This creation is about a crude oil diversified trading system, especially the trading system is used for crude oil diversified trading.

Financial institutions derive various crude oil trading financial products based on transactions and business purposes. However, limited by transaction security and the difference in the storage and transfer process between spot commodities and financial commodities, financial institutions are in the process of implementing spot commodities and financial commodities. Incurred a lot of administrative costs.

For customers, the time it takes for the evaluation and conversion of investment services and the delay in buying and selling will also cause transaction losses. Customers may reduce their willingness to communicate due to insufficient service efficiency, and may also be restricted and unable to make changes. Appropriate investment planning.

Therefore, how to provide a crude oil trading system that can smoothly execute the conversion between financial commodities and spot commodities, increase transaction security, shorten transaction time, and avoid the omission of transaction information has become an urgent issue.

The purpose of this creation is to provide a crude oil diversified trading system and its operation method to increase the fluency of crude oil trading, increase the security of the trading process, shorten the trading time, and avoid the omission of trading information.

Based on the above purpose, this creation provides a crude oil diversified trading system, including: The oil meter information storage unit is configured to detect the amount of oil used by the oil object and generate oil consumption records; The crude oil quotation database is configured to output the first quotation during the product design period, the second quotation during the crude oil-gasoline conversion period, and the third quotation during the sell transaction period; Quotation transaction processing module, including: The reading unit is configured to read oil consumption records; The receiving unit is configured to receive the first quotation during the product design period, the second quotation during the crude oil-gasoline conversion period, and the third quotation during the selling transaction; The calculation unit is configured to calculate the estimated annual usage based on the oil usage record; and The product unit is configured to generate a first conversion rate based on the first quotation, and generate transaction product information based on the first conversion rate and estimated annual usage; Client devices, including: The authorization unit is configured to confirm the purchase of a transaction product that includes transaction product information. The authorization unit generates an authorization purchase transaction product certificate based on the transaction product information. The quotation transaction processing module also generates a crude oil transfer settlement request based on the authorization purchase transaction product certificate through the transfer settlement unit ； The database of petrochemical manufacturers is configured to perform overseas crude oil settlement according to crude oil transfer settlement requirements to generate overseas crude oil settlement results; and The bank-side crude oil passbook server is configured to allocate the corresponding amount of crude oil to the customer transaction account corresponding to the customer device according to the crude oil transfer settlement requirements and overseas crude oil settlement results; When the client device outputs the crude oil gasoline conversion transaction instruction including the gasoline conversion amount, the quotation transaction processing module receives the second quotation through the receiving unit, and the calculation unit calculates the annual usage to generate the second conversion fee rate, and the second conversion fee is based on the product unit The exchange rate and crude oil-gasoline conversion transaction instruction generates a supplementary payment transaction instruction including the supplementary payment amount and the amount of converted crude oil required to convert the gasoline conversion amount. The bank-side crude oil passbook server deducts the supplementary payment amount and the required converted crude oil from the customer’s trading account And deposit the converted gasoline into the gasoline passbook of the corresponding customer’s trading account; When the client device outputs a crude oil transaction instruction including the sold volume, the quotation transaction processing module calculates the transaction price based on the third quotation and the sold volume through the calculation unit, and the product unit generates transaction voucher information based on the transaction price, and the bank-side crude oil passbook server The device receives transaction voucher information and crude oil transaction instructions, deducts the corresponding sold amount of crude oil in the customer's trading account, and deposits the transaction price into the customer's trading account.

Preferably, the petrochemical manufacturer database further includes a first visa module configured to sign the crude oil transfer settlement result and issue a transfer settlement visa, and the bank-side crude oil passbook server further includes a second visa module configured to receive crude oil The transfer settlement requirement and the approval of the transfer settlement visa generate a crude oil transfer settlement certificate; and the purchase of crude oil distribution module is configured to allocate the crude oil corresponding to the trading product to the customer transaction account corresponding to the customer device according to the crude oil transfer settlement certificate and crude oil transfer settlement requirement .

Preferably, when the crude oil-to-gasoline conversion transaction instruction also includes the gasoline-used oil command of the gasoline usage amount, the gasoline usage amount is divided by the gasoline storage discount when the crude oil distribution module is purchased, and the fuel meter information storage unit updates the oil usage record according to the gasoline usage amount.

Preferably, the client device further includes an authorization unit and a voucher unit. When the client device inputs a crude oil-gasoline conversion transaction instruction including a gasoline conversion amount, the authorization unit confirms that the crude-gasoline conversion transaction instruction obtains authorization and generates a confirmation authorization voucher, and the voucher unit transmits the Confirm the authorization certificate and the crude oil gasoline conversion transaction instruction to the quotation transaction processing module.

Preferably, the crude oil passbook server at the bank side further includes: The second visa module is configured to generate a supplementary payment transaction verification certificate with a visa supplementary payment transaction instruction; The transfer settlement unit is configured to deduct the supplementary payment amount and the amount of converted crude oil required from the customer's trading account according to the supplementary payment transaction instruction and the supplementary transaction verification certificate; and The purchase of gasoline distribution module is configured to receive the supplementary payment transaction instruction and the supplementary payment transaction verification certificate, and deposit the gasoline converted amount of gasoline into the gasoline passbook of the corresponding customer's transaction account.

Preferably, when the client device inputs a crude oil transaction instruction including the sold amount, the authorization unit is configured to confirm that the crude oil transaction instruction is authorized and generate a confirmation transaction authorization certificate, and the voucher unit is configured to transmit confirmation transaction authorization certificate transmission and crude oil transaction Instruction to the quotation transaction processing module.

Preferably, the second visa module is also configured to generate transaction voucher visa vouchers based on the visa transaction voucher information, and the buying and selling transaction unit also deducts the corresponding amount of crude oil sold in the client's trading account based on the transaction voucher information and the transaction voucher visa vouchers. , And transfer the transaction price to the customer's trading account.

This creation also provides a diversified trading method for crude oil, including: Use the oil meter information storage unit to detect the oil consumption of the oil object and generate oil consumption records; Use the quotation transaction processing module to read the oil consumption record through the reading unit, and calculate the estimated annual consumption based on the oil consumption record through the calculation unit; Use the quotation transaction processing module to generate the first conversion rate based on the first quotation through the product unit, and the product unit generates transaction product information based on the first conversion rate and estimated annual usage; Use the authorization unit included in the client device to confirm that the purchase includes the transaction product and generate a voucher for authorization to purchase the transaction product; Use the quotation transaction processing module to generate crude oil transfer settlement requirements through the transfer settlement unit according to the certificate of authorized purchase of transaction products; Use the database of petrochemical manufacturers to execute overseas crude oil settlement according to crude oil transfer settlement requirements to produce overseas crude oil settlement results; Use the bank-side crude oil passbook server to allocate the corresponding amount of crude oil to the customer transaction account corresponding to the customer device according to the crude oil transfer settlement requirements and overseas crude oil settlement results; When the client device outputs the crude oil gasoline conversion transaction instruction including the gasoline conversion amount through the authorization unit, the quotation transaction processing module receives the second quotation through the receiving unit, the calculation unit calculates the annual usage to generate the second conversion rate, and the product unit according to the first 2. Conversion fee rate and crude oil-gasoline conversion transaction instruction generates the supplementary payment transaction instruction including the supplementary payment amount and the required conversion crude oil volume for the conversion of gasoline conversion volume. The bank-side crude oil passbook server deducts the supplementary payment amount and the required conversion from the customer's trading account The amount of crude oil and the amount of gasoline converted into gasoline is deposited into the gasoline passbook of the corresponding customer's trading account; When the client device outputs a crude oil transaction instruction including the sold volume, the quotation transaction processing module calculates the transaction price based on the third quotation and the sold volume through the calculation unit, and the product unit generates transaction voucher information based on the transaction price, and the bank-side crude oil passbook server The processor receives the transaction voucher information and the crude oil transaction instruction, deducts the corresponding amount of crude oil sold in the customer's trading account, and deposits the transaction price into the customer's trading account.

Preferably, after using the petrochemical manufacturer database to execute overseas crude oil settlement according to the crude oil transfer settlement requirements to produce overseas crude oil settlement results, the first visa module is also used to sign the crude oil transfer settlement results and issue transfer settlement visas; and use the bank-side crude oil passbook The server allocates the corresponding amount of crude oil into the customer’s trading account corresponding to the client device according to the crude oil transfer settlement requirements and overseas crude oil settlement results. The process also includes: using the second visa module to receive crude oil transfer settlement requirements and sign the transfer settlement visa to generate crude oil transfer settlement Certificate; and using the crude oil purchase distribution module to distribute the crude oil of the corresponding trading product to the customer trading account corresponding to the customer device according to the crude oil transfer settlement certificate and crude oil transfer settlement requirements.

Preferably, when the crude oil-gasoline conversion transaction instruction includes a gasoline-used gasoline command of gasoline usage, the purchase of the crude oil distribution module will discount the gasoline stock by dividing the gasoline usage, and the fuel meter information storage unit updates the fuel usage record according to the gasoline usage.

One of the advantages of the above-mentioned embodiment is that by enabling the client device to simultaneously input instructions for buying and selling crude oil and converting gasoline and trading gasoline, it is convenient to provide the public with a new crude oil product trading device, and all of the authentication processes can be passed through this The crude oil diversified trading system and method provided by the creation are automatically completed.

One of the advantages of the above-mentioned embodiment is to exchange the signals output by the client device and the fuel meter information storage unit directly through the quotation transaction processing unit provided by this creation. By using the fuel consumption record as the key parameter of the automated design transaction product, it is convenient for banking institutions Able to design a large number of personalized crude oil trading products in a short time.

One of the advantages of the above embodiment is that by enabling the quotation to exchange signals between the easy processing unit, the client device and the bank crude oil passbook server through the Internet, it is convenient for the public to place orders through crude oil transactions through the client device without going to the bank counter transaction , Increase the convenience of converting cash and crude oil products, and effectively promote transaction and administrative efficiency.

One of the advantages of the above-mentioned embodiment is that by receiving real-time crude oil quotes for follow-up operations at three different stages during product design, crude oil and gasoline conversion, and selling transactions, the transaction risk of banking institutions is reduced, and the crude oil provided by this creation is diversified. The standardized trading system improves transaction security through the quotation transaction processing module and changing design rules for all three stages. In addition, because the quotation data at each time point can be completed in real time and automatically through the quotation transaction processing module, Significantly improve the bank's operating procedures and reduce the cost of collaboration with cooperating units.

One of the advantages of the above embodiment is that by allowing the quotation transaction unit to receive the total fuel consumption data record of the gas station database, the client device can directly instruct the gas station database to deduct the gasoline in the gasoline account for immediate refueling.

The other advantages of this creation will be explained in more detail with the following descriptions and diagrams.

Hereinafter, the creation will be described in detail by illustrating various embodiments of the creation with drawings. However, this creative concept may be embodied in many different forms, and should not be construed as being limited to the embodiments set forth herein. In addition, the same reference numbers may be used to indicate similar elements in the drawings.

Please refer to FIG. 1, which is a block diagram of a crude oil diversified trading system according to an embodiment of the creation. This creation provides a crude oil diversified trading system 1, which is configured to enable at least one oil meter information storage unit 10, a crude oil quote database 20, a quote transaction processing module 30, at least one client device 40, a petrochemical manufacturer database 50, and a bank The terminal crude passbook server 60 is connected via a wired network or the Internet to exchange signals. In the embodiment in which the fuel meter information storage unit 10, the crude oil quote database 20, the quote transaction processing module 30, the client device 40, the petrochemical manufacturer database 50, and the bank-side crude oil passbook server 60 exchange signals via the Internet, They can be dispersed in different areas or locations.

Although not shown, the oil meter information storage unit 10, crude oil quotation database 20, quotation transaction processing module 30, client device 40, petrochemical manufacturer database 50, and bank-side crude oil passbook server 60 are all provided in this creation. At least one communication circuit that controls the installed device to exchange signals with other computer devices via the Internet.

Among them, the crude oil diversified trading system 1 can exchange signals with multiple client devices 40 at the same time. The different client devices 40 can be completely different or the same type of computer devices with network communication functions, such as smart phones, tablet computers, A notebook computer or a desktop computer, and all client devices can be the same type or different types of computer devices.

Please refer to Figure 2. Figure 2 is a simplified block diagram of the quotation transaction processing module of Figure 1. The quotation transaction module 30 includes a reading unit 31, a receiving unit 32, a product unit 34, a calculation unit 33, an output module 35, an authorization unit 36, and in the quotation transaction module 30, a reading unit 31, a receiving unit 32, The product unit 34, the output module 35 and the authorization unit 36 are connected at least through the computing unit 33.

Please refer to FIG. 3, which is a block diagram of a crude oil diversified trading system according to an embodiment of the creation. The crude oil diversified trading system 1 provided by this creation includes an oil meter information storage unit 10, which is configured to detect oil consumption and generate oil consumption records; a crude oil quotation database 20 is configured to output the first output during product design. Quotation, the second quotation is output during the conversion of crude oil to gasoline, and the third quotation is output during the sale transaction; the quotation transaction processing module 30, including the reading unit 31, is configured to read oil consumption records; the receiving unit 32 is configured To receive the first quotation during product design, the second quotation during the conversion of crude oil and gasoline, and the third quotation during the sale transaction; the calculation unit 33 is configured to calculate the estimated annual usage based on the oil consumption record; the product unit 34, configured to generate a first conversion fee rate based on the first quotation, and generate transaction product information based on the first conversion rate and estimated annual usage; and an output unit 35 configured to output transaction product information to the client device 40 .

The client device 40 includes an authorization unit configured to confirm the purchase of a transaction product that includes the transaction product information. The authorization unit generates an authorization to purchase a transaction product certificate based on the transaction product information. The quotation transaction processing module 30 also uses the transfer settlement unit 36 according to the authorization The purchase of transaction product certificates generates crude oil transfer settlement requirements. The petrochemical manufacturer database 50 is configured to perform overseas crude oil settlement according to crude oil transfer settlement requirements to generate overseas crude oil settlement results. The bank-side crude oil passbook server 60 is configured to allocate a corresponding amount of crude oil to a customer transaction account corresponding to the client device according to the crude oil transfer settlement request and the overseas crude oil settlement result.

When the client device 40 outputs the crude oil gasoline conversion transaction instruction including the gasoline conversion amount, the quotation transaction processing module 30 receives the second quotation through the receiving unit 32 through the calculation unit 33, and the calculation unit 33 calculates the annual usage amount to generate the second conversion fee rate, and Through the product unit 34 according to the second conversion rate and the crude oil gasoline conversion transaction instruction, the supplementary payment transaction instruction including the supplementary payment amount and the required converted crude oil volume for the converted gasoline conversion volume are generated, and the bank-side crude oil passbook server 60 deducts it from the customer transaction account The payment amount and the amount of crude oil needed to be converted and the converted gasoline amount is deposited into the gasoline passbook corresponding to the customer's trading account.

When the client device 40 outputs a crude oil transaction instruction including the selling volume, the quotation transaction processing module 30 calculates the transaction price based on the third quotation and the selling volume through the calculation unit 33, and the product unit 34 generates transaction voucher information based on the transaction price. The client crude oil passbook server 60 receives transaction voucher information and crude oil transaction instructions, deducts the corresponding sold amount of crude oil in the customer's trading account, and deposits the transaction price into the customer's trading account.

It should be noted that, in some embodiments provided in this creation, the fuel gauge information storage unit 10 senses the remaining fuel amount of the oil object, and transmits the remaining fuel amount information to the quotation transaction processing module 30 regularly, thereby, The user can directly read the oil consumption status of the oil consumption object that matches his own oil consumption identification code through the client device 40. The interval sensing time can be set through the client device 40. In some embodiments provided in this creation, the same fuel gauge information storage unit 10 is connected to include a plurality of oil-using objects.

In some of the embodiments provided in this creation, the fuel gauge information storage unit 10 is directly disposed on the fuel-consuming object, which includes automobiles, locomotives, trucks, or commercial vehicles or other business tools.

In some of the embodiments provided in this creation, the crude oil quotation database 20 is configured to output the first quotation during the product design period according to West Texas crude oil information, New York light crude oil information or other index crude oil quotations, and output the first quotation during the conversion of crude oil to gasoline. Second quotation, output the third quotation during the sell transaction period.

Please refer to FIG. 4, which is a block diagram of a crude oil diversified trading system according to an embodiment of the creation. The difference from the previous embodiment is that the quotation transaction module 30 also exchanges signals with the gas station database 70. It should be noted that only the quotation transaction module 30 and a gas station database are shown in the diagram. 70 is connected, but when implementing this embodiment, there may be more than one gas station database 70. In addition, in another part of the embodiments provided in this creation, the gas station database 70 can also be regarded as a type of fuel gauge information storage unit 10, which senses the fuel consumption of the fuel gun device and generates fuel consumption records. The difference between the fuel gauge information storage unit 10 in the gas station database is that the gas station database also has the function of controlling the fuel supply of the fuel gun, that is, when the quotation transaction processing module 30 receives the conversion instruction of the client device 40 to convert the gasoline passbook into physical gasoline, The quotation transaction processing module 30 instructs the gas station database 70 to refuel and directly deposits a discount on the gasoline corresponding to the customer's transaction account except for the amount of gas reported by the gas station database 70.

Or, in some of the embodiments provided in this creation, when the crude oil-gasoline conversion transaction instruction also includes a gasoline-used oil command for the amount of gasoline used, the bank-side crude oil passbook server 60 discounts the amount of gasoline used in gasoline deposits, and the fuel meter information storage unit 10 Read the gasoline consumption and update the fuel consumption record.

In some of the embodiments provided in this creation, the petrochemical manufacturer database 50 also includes a first visa module configured to sign the crude oil transfer settlement result and issue a transfer settlement visa, and the bank-side crude oil passbook server 60 also includes a second visa module Group, configured to receive the crude oil transfer settlement request and sign the transfer settlement visa to generate a crude oil transfer settlement certificate; and the bank-side crude oil passbook server 60 also includes a crude oil purchase distribution module configured to settle the crude oil transfer settlement certificate based on the crude oil transfer settlement certificate It is required to allocate the crude oil corresponding to the trading product to the customer trading account corresponding to the customer device 40.

In some of the embodiments provided in this creation, the client device 40 also includes an authorization unit and a voucher unit. When the client device 40 inputs a crude oil-gasoline conversion transaction instruction that includes a gasoline conversion amount, the authorization unit confirms that the crude-gasoline conversion transaction instruction is authorized and generates a confirmation Authorization voucher, when it is confirmed that the authorization voucher is generated, the voucher unit transmits the confirmation authorization voucher and crude oil gasoline conversion transaction instruction to the quotation transaction processing module 30; when the confirmation authorization voucher is not generated, the voucher unit does not transmit the crude oil gasoline conversion transaction instruction to the quotation transaction processing module Group 30.

In some of the embodiments provided in this creation, the bank-side crude oil passbook server 60 also includes a second visa module, which is configured to generate a supplementary payment transaction verification certificate according to a supplementary payment transaction instruction; Payment transaction instructions and supplementary payment transaction sign-off vouchers are deducted from the customer’s trading account for the supplementary payment amount and the amount of crude oil needed to be converted; and the gasoline distribution module is configured to receive supplementary payment transaction instructions and supplementary transaction sign-off vouchers. The amount of gasoline converted to gasoline is deposited in the gasoline passbook.

In some of the embodiments provided in this creation, when the client device 40 inputs a crude oil transaction instruction that includes the sold amount, the authorization unit is configured to confirm that the crude oil transaction instruction is authorized and generate a transaction authorization certificate, and the voucher unit is configured to transmit confirmation The transaction authorization certificate and crude oil transaction instructions are transmitted to the quotation transaction processing module 30.

In some of the embodiments provided in this creation, the second visa module is also configured to generate transaction voucher visa vouchers based on the transaction voucher information, and the buying and selling transaction unit also debits the client's transaction account based on the transaction voucher information and the transaction voucher visa vouchers. Offset the corresponding selling volume of crude oil, and transfer the transaction price to the customer's trading account.

Among them, in some of the embodiments provided in this creation, when the client device inputs a transaction request to the quotation transaction processing module 30 for the first time, the quotation transaction processing module requires the client device to transmit identity data, based on which the client crude oil record data is created and stored Crude oil passbook server at the bank. Among them, the identity information includes customer information such as name, address, telephone number, asset certificate, identity card number, customer double ID, historical transaction records, bank credit records, personal vehicle registration information, and current transaction conditions.

In some of the embodiments provided in this creation, the quotation transaction processing module 10 also evaluates the corresponding customer’s transaction contribution based on the customer’s crude oil record data, and changes the customer’s passbook deposit and crude oil spot in the same customer’s crude oil record data based on the evaluated transaction contribution. The conversion ratio between the withdrawal amount, that is, changing the first conversion rate and the second conversion rate.

Please refer to FIG. 5, which is a schematic flow chart of a crude oil diversified trading method according to an embodiment of the creation. The following further illustrates the crude oil diversified trading method provided by this creation through Figure 5, including processes S501 to S520.

S501: Generate oil consumption records. Use the oil meter information storage unit to detect the oil consumption of the oil object and generate oil consumption records.

S502: Estimate the annual usage based on oil usage records. Use the quotation transaction processing module to read the oil consumption record through the reading unit, and calculate the estimated annual consumption based on the oil consumption record through the calculation unit.

S503: Generate a first conversion fee rate based on the estimated annual usage amount and a quote, and generate a transaction product (regular fixed amount) based on the first conversion fee rate. Use the quotation transaction processing module to generate the first conversion fee rate based on the first quotation through the product unit, and the product unit generates transaction product information based on the first conversion rate and the estimated annual usage. In some of the embodiments provided in this creation, the transaction Product information is a regular fixed amount trading product.

S504: Confirm the purchase of the product, and then continue with S505. Use the client device to confirm the purchase including the transaction product through the authorization unit and generate an authorization to purchase the transaction product certificate; in some of the examples provided in this creation, at this stage, the client device can also be used to automatically place an order, such as entering data based on transaction conditions including deviation rate The range and KD value range generate trading instructions for automatic trading. When the client device also instructs a transaction instruction at this stage, the certificate of authorization to purchase a transaction product also contains a transaction instruction indicating the content of the transaction by the client.

S505: Generate crude oil transfer settlement requirements based on product information. Use the quotation transaction processing module to generate crude oil transfer settlement requirements through the transfer settlement unit according to the authorization purchase transaction product certificate.

S506: Approval of crude oil transfer settlement and execution of remittance. Use the database of petrochemical manufacturers to execute overseas crude oil settlement according to crude oil transfer settlement requirements to produce overseas crude oil settlement results. S507: Transfer the ownership of crude oil. After the overseas crude oil settlement result of the aforementioned steps is generated, the petrochemical manufacturer database transfers the ownership of the corresponding amount of crude oil to the bank institution.

S508: Transfer the corresponding crude oil to the customer's trading account. Use the bank-side crude oil passbook server to allocate the corresponding amount of crude oil to the customer’s transaction account corresponding to the customer’s device according to the crude oil transfer settlement requirements and the overseas crude oil settlement result. It should be noted that in some of the embodiments provided in this creation, the processes S505 to In S508, the crude oil transfer settlement request can be produced based on multiple product data corresponding to different customer data, instead of a single product data corresponding to a single crude oil transfer settlement request, and a large amount of product data can be automatically aggregated, and petrochemical The manufacturer’s database puts forward procurement requirements so that during this transaction process, banking institutions can obtain crude oil products with competitive prices due to large quantities of procurement. Similarly, when the corresponding crude oil is transferred to the customer's trading account, the crude oil products that have obtained ownership are transferred to the corresponding customer's name.

S509: Display the crude oil stock held by the customer. Display the crude oil stock held by the customer through the customer device.

S510: Determine whether to convert the crude oil held into gasoline. Enter through the client device whether to input an instruction to convert the crude oil to gasoline. When the client device inputs confirmation to convert the crude oil to gasoline, the process 511 is entered; if not, the process S516 is entered.

S511: Notify the conversion amount. The client device outputs a crude oil gasoline conversion transaction instruction including the gasoline conversion amount through the authorization unit.

S512: Generate a second conversion fee rate based on the second quotation and annual usage, and generate a supplementary payment amount based on the second conversion rate and conversion amount. The quotation transaction processing module receives the second quotation through the receiving unit, and calculates the annual usage through the calculation unit to generate a second conversion fee rate. The product unit generates a supplementary payment including the supplementary payment amount according to the second conversion rate and the crude oil gasoline conversion transaction instruction The amount of converted crude oil required for trading instructions and conversion of gasoline.

S513: Deduct the conversion payment amount, deduct the corresponding crude oil from the crude oil account, and convert the corresponding crude oil into gasoline. At this time, the crude oil is converted into gasoline, and the bank-side crude oil passbook server deducts the supplementary payment amount and the amount of converted crude oil required from the customer's trading account. Among them, it should be particularly noted that in some embodiments at this stage, the first conversion rate is applied to convert crude oil to gasoline; or, in some embodiments at this stage, the second conversion rate is applied to convert crude oil to gasoline.

S514: Deposit the converted gasoline into the gasoline passbook. The bank-side crude oil passbook server deposits the gasoline conversion amount into a gasoline passbook corresponding to the customer's trading account.

S515: Update oil consumption record. The fuel gauge information storage unit updates the fuel consumption record.

S516: Confirm whether to sell and hold crude oil. The client device confirms whether to sell the crude oil, if it is, then it goes to the process S517, if not, it goes to the process 520.

517: Notify the selling volume. The client device outputs crude oil trading instructions including the sold volume.

S518: Generate a selling transaction voucher based on the selling volume and the third quotation. The quotation transaction processing module uses the calculation unit to calculate the transaction price based on the third quotation and the selling volume. The third quotation refers to the crude oil quotation output by the crude oil quotation database at this stage. The quotation transaction processing module also uses the product unit Generate a transaction voucher information based on the transaction price.

S519: Transfer the account according to the transaction voucher, deduct the corresponding oil, and transfer the transaction price to the corresponding account of the client device. The bank-side crude oil passbook server receives transaction voucher information and crude oil transaction instructions, deducts the corresponding sold amount of crude oil in the customer's trading account, and deposits the transaction price into the customer's trading account.

S520: Display the crude oil stock held by the customer. The client device displays the stock of crude oil. At this stage, the client device reads the trading account information stored in the bank's crude oil passbook server, and can also display its crude oil stock, gasoline passbook deposit, and trading account balance, history The transaction record may optionally include the first conversion rate and the second conversion rate, as well as the current oil consumption objects connected through the oil meter information storage unit and their oil consumption conditions.

Please refer to FIG. 6, which is a schematic diagram of a part of the process of creating an embodiment of a crude oil diversified trading method. In the following, FIG. 6 is used to further explain the transaction method of the petrochemical company database and the bank-side crude oil passbook server in some embodiments provided in this creation.

S61: The database of petrochemical manufacturers produces overseas crude oil settlement results. Use the petrochemical manufacturer database to execute overseas crude oil settlement through the bank crude oil passbook server according to the crude oil transfer settlement requirements generated by the quotation transaction processing module to generate overseas crude oil settlement results.

S62: Use the transfer settlement visa module to sign the crude oil transfer settlement result. The petrochemical manufacturer database also signed the crude oil transfer settlement result through the first visa module, and then issued the transfer settlement visa.

S63: Receive the crude oil transfer settlement result and generate a crude oil transfer settlement certificate. The bank-side crude oil passbook server uses the second visa module to receive the crude oil transfer settlement request, and sign the transfer settlement visa to generate a crude oil transfer settlement certificate.

S64: The bank-side crude oil passbook server uses the crude oil purchase distribution module to allocate the crude oil quantity of the corresponding trading product to the corresponding customer trading account according to the crude oil transfer settlement certificate and the crude oil transfer settlement request.

Please refer to FIG. 7a and FIG. 7b. FIG. 7a and FIG. 7b are schematic diagrams of part of the process of creating an embodiment of a crude oil diversified trading method. The following further describes the transaction method of the client device and the bank-side crude oil passbook server in some embodiments provided by this creation through FIGS. 7a and 7b.

S711-S713 reveals the process that the customer device requests to convert gasoline.

S711: The client device generates a crude oil gasoline conversion transaction instruction including the gasoline conversion amount.

S712: Use the authorization unit to confirm that the crude oil-gasoline conversion transaction instruction is authorized and generate a confirmation authorization certificate.

S713: The output unit transmits the confirmation authorization certificate and the crude oil gasoline conversion transaction instruction to the quotation transaction processing module; when the confirmation authorization certificate is not generated, the output unit does not transmit the crude oil gasoline conversion transaction instruction to the quotation transaction processing module.

S721-S723 reveal the process of the client device requesting to sell crude oil.

S721: The client device generates a crude oil trading instruction including the sold volume

S722: The authorization unit confirms that the crude oil transaction instruction is authorized and generates a transaction authorization certificate.

S723: The output unit transmits the confirmation transaction authorization certificate transmission and the crude oil transaction instruction to the quotation transaction processing module; when the confirmation transaction authorization certificate is not generated, the output unit does not transmit the crude oil transaction instruction to the quotation transaction processing module.

Please refer to FIG. 8a and FIG. 8b. FIG. 8a and FIG. 8b are schematic diagrams of part of the process of creating an embodiment of a crude oil diversified trading method. The following further describes the transaction method of the client device and the bank-side crude oil passbook server in some embodiments provided in this creation through FIGS. 8a and 8b.

S811-S813 reveal the process of the bank-side crude oil passbook server requesting the payment of conversion fees.

S811: Use the second visa module visa supplementary payment transaction instruction to generate a supplementary payment transaction verification certificate.

S812: Use the trading transaction unit to receive the supplementary payment transaction instruction and the supplementary transaction verification certificate, and deduct the supplementary payment amount and the required conversion crude oil volume from the customer's transaction account.

S813: Use the purchase gasoline distribution module to receive the supplementary payment transaction instruction and the supplementary payment transaction verification certificate, and deposit the gasoline conversion amount into the gasoline passbook.

S821-S822 reveals the process of directly selling crude oil held by the bank's crude oil passbook server.

S821: Use the visa transaction voucher information of the second visa module to generate a transaction voucher visa certificate.

S822: Using the buying and selling transaction unit also deducts the corresponding sold amount of crude oil in the customer's trading account according to the information of the trading voucher and the voucher visa certificate, and transfers the trading price to the customer's trading account.

It should be noted that the oil object is used to record the oil identification code for identifying the oil object.

Among them, in some of the embodiments provided in this creation, the corresponding customer transaction account stored in the bank-side crude oil passbook server also stores an identity data that identifies the user and is associated with the customer device, as well as customary technical indicators such as KD value and deviation rate. Data on trading conditions such as scope and historical transaction records including crude oil and gasoline transactions.

Through the crude oil diversified trading system provided by this creation, when financial institutions need to conduct crude oil transactions, the transaction fluency can be improved, and the customer's crude oil account and the physical oil object can be connected, so that the customer can directly use the oil object through the customer device. For crude oil, the cost and stock of crude oil will be deducted from the trading account at the moment of the transaction.

The crude oil diversified trading system provided by this creation can not only increase the fluency of crude oil transactions, but also increase the security of the transaction process and shorten the transaction time, as well as avoid the omission of transaction information and reduce the risk of crude oil transactions between financial institutions and cooperative units. Administrative costs.

The crude oil diversified trading system provided by this creation is convenient for banks to manage customer crude oil record data for different customers and real-time account usage. Financial institutions automatically generate the most suitable trading qualification conditions, which greatly reduces the operation cost of evaluating different customer conditions .

Because the crude oil diversified trading system and its operation method provided by this creation include an oil meter information storage unit, a crude oil quote database, a quote transaction processing module, at least one client device, a petrochemical manufacturer database, and a bank-side crude oil passbook server, Through the oil meter information storage unit, crude oil quotation database, quotation transaction processing module, customer device, petrochemical manufacturer database, and cooperation with the bank-side crude oil passbook server, access to customer transaction accounts and gasoline accounts to complete the conversion of crude oil products. Compared with the existing technology, this creation further increases the fluency of crude oil transactions, increases the security of the transaction process, shortens the transaction time, and avoids the omission of transaction information.

In summary, although this creation has been disclosed as above in preferred embodiments, the above preferred embodiments are not intended to limit this creation. Those with ordinary knowledge in the field can do various things without departing from the spirit and scope of this creation. Changes and modifications, so the protection scope of this creation is subject to the scope defined by the scope of the patent application.

1: Crude oil diversified trading system 10: Fuel gauge information storage unit 20: Crude oil quote database 30: Quote transaction processing module 31: Reading unit 32: receiving unit 33: Computing unit 34: product unit 35: output module 36: Authorized unit 40: client device 50: Petrochemical Manufacturer Database 60: Bank-side crude oil passbook server S501-S520, S61-S64, S711-S713, S721-S723, S811-S813, S821-S823: steps of crude oil diversified trading method

Figure 1 is a block diagram of a crude oil diversified trading system according to an embodiment of the creation.

Figure 2 is a simplified block diagram of the quotation transaction processing module of Figure 1;

Figure 3 is a block diagram of a crude oil diversified trading system according to an embodiment of the creation.

Figure 4 is a block diagram of a crude oil diversified trading system according to an embodiment of the creation.

Figure 5 is a schematic flow chart of a crude oil diversified trading method according to an embodiment of the creation.

Figure 6 is a schematic diagram of a part of the process of creating an embodiment of a crude oil diversified trading method.

Figures 7a and 7b are schematic diagrams of part of the process of creating an embodiment of a crude oil diversified trading method.

8a and 8b are schematic diagrams of part of the process of creating an embodiment of a crude oil diversified trading method.

1: Crude oil diversified trading system

10: Fuel gauge information storage unit

20: Crude oil quote database

30: Quote transaction processing module

40: client device

50: Petrochemical Manufacturer Database

60: Bank-side crude oil passbook server

Claims (8)

A crude oil diversified trading system, including: An oil meter information storage unit, configured to detect the amount of oil used by an oil-consuming object and generate an oil-use record; A crude oil quotation database, configured to output a first quotation during a product design period, a second quotation during a crude oil-gasoline conversion period, and a third quotation during a sell transaction period; A quotation transaction processing module, including: A reading unit configured to read the oil consumption record; A receiving unit configured to receive the first quotation during the product design period, receive the second quotation during the crude oil gasoline conversion period, and receive the third quotation during the sell transaction period; A calculation unit configured to calculate an estimated annual usage based on the oil usage record; and A product unit configured to generate a first conversion fee rate based on the first quotation, and generate transaction product information based on the first conversion fee rate and the estimated annual usage; A client device, including: An authorization unit is configured to confirm the purchase of a transaction product that includes the transaction product information, the authorization unit generates an authorization to purchase a transaction product certificate based on the transaction product information, and the quotation transaction processing module also uses a transfer settlement unit based on the authorization The purchase of transaction product certificates generates a crude oil transfer settlement requirement; A petrochemical manufacturer’s database is configured to perform overseas crude oil settlement according to the crude oil transfer settlement requirements to generate an overseas crude oil settlement result; and A bank-side crude oil passbook server is configured to allocate a corresponding amount of crude oil to a customer transaction account corresponding to the customer device according to the crude oil transfer settlement request and the overseas crude oil settlement result; where When the client device outputs a crude oil gasoline conversion transaction instruction including a gasoline conversion amount, the quotation transaction processing module receives the second quotation through the calculation unit through the receiving unit, and the calculation unit calculates the annual consumption to generate a second quotation. Conversion rate, and generate a supplementary payment transaction instruction including a supplementary payment amount and a required conversion crude oil amount for converting the gasoline conversion amount according to the second conversion rate and the crude oil gasoline conversion transaction instruction through the product unit, the The bank-side crude oil passbook server deducts the supplementary payment amount and the required amount of converted crude oil from the customer's trading account and deposits the gasoline converted amount of gasoline into a gasoline passbook corresponding to the customer's trading account; When the client device outputs a crude oil transaction instruction including a selling volume, the quotation transaction processing module calculates a transaction price based on the third quotation and the selling volume through the calculation unit, and the product unit is based on the transaction price Generate a transaction voucher information, the bank-side crude oil passbook server receives the transaction voucher information and the crude oil transaction instruction, deducts the corresponding amount of crude oil sold in the client's trading account, and deposits the transaction price into the client's transaction account. For example, in the crude oil diversified trading system described in item 1 of the scope of patent application, the petrochemical manufacturer database also includes a first visa module configured to verify the crude oil transfer settlement result and issue a transfer settlement visa. The crude oil passbook server also includes a second visa module configured to receive the crude oil transfer settlement request and to sign the transfer settlement visa to generate a crude oil transfer settlement certificate; and a purchase crude oil distribution module configured to generate a crude oil transfer settlement certificate based on the crude oil transfer settlement request. The transfer settlement certificate and the crude oil transfer settlement request allocate the crude oil corresponding to the trading product to a customer transaction account corresponding to the customer device. For example, in the crude oil diversified trading system described in item 1 of the scope of patent application, when the crude oil-gasoline conversion transaction instruction also includes a gasoline-used oil instruction for a gasoline usage amount, the bank-side crude oil passbook server saves the gasoline discount For gasoline consumption, the fuel gauge information storage unit reads the gasoline consumption and updates the fuel consumption record. For example, the crude oil diversified trading system described in item 1 of the scope of patent application, wherein the client device further includes an authorization unit and a voucher unit. When the client device inputs the crude oil gasoline conversion transaction instruction including the gasoline conversion amount, the authorization The unit confirms that the crude oil-gasoline conversion transaction instruction is authorized and generates a confirmation authorization certificate. When the confirmation authorization certificate is generated, the voucher unit transmits the confirmation authorization certificate and the crude oil-gasoline conversion transaction command to the quotation transaction processing module; The authorization certificate is not generated, and the certificate unit does not transmit the crude oil gasoline conversion transaction instruction to the quotation transaction processing module. For example, in the crude oil diversified trading system described in item 1 of the scope of patent application, the bank-side crude oil passbook server also includes: A second visa module, configured to generate a supplementary payment transaction verification certificate for the visa supplementary payment transaction instruction; A buying and selling transaction unit configured to deduct the supplementary payment amount and the required conversion crude oil amount from the customer's trading account according to the supplementary payment transaction instruction and the supplementary transaction approval certificate; and A gasoline distribution module is configured to receive the supplementary payment transaction instruction and the supplementary payment transaction verification certificate, and deposit the gasoline converted into the gasoline into the gasoline passbook. For example, the crude oil diversified trading system described in item 4 of the scope of patent application, wherein when the client device inputs a crude oil transaction order including a sold amount, the authorization unit is configured to confirm that the crude oil transaction order is authorized and generate a confirmation Transaction authorization certificate, the certificate unit is configured to transmit the confirmation transaction authorization certificate transmission and the crude oil transaction instruction to the quotation transaction processing module. For example, in the crude oil diversified trading system described in item 5 of the scope of patent application, the second visa module is also configured to verify the transaction voucher information to generate a transaction voucher visa certificate, and the sale and purchase transaction unit is also based on the transaction voucher information and The transaction voucher visa certificate is deducted from the client's trading account against the amount of crude oil sold, and the transaction price is transferred to the client's trading account. For example, in the crude oil diversified trading system described in item 1 of the scope of patent application, the quotation transaction processing module further includes an output unit, when the product unit generates the first conversion fee rate according to the first quotation, and according to the first quotation A conversion rate and the estimated annual usage generate the transaction product information, and the output unit is configured to output the transaction product information to the client device.

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