TWM614330U - Matching platform for deducting labor service from loan interest - Google Patents

Abstract

A labor service deduction loan interest matching platform, which is connected to at least one investment terminal device and at least one borrowing terminal device via a network, and includes a transaction database, a loan operation unit, a review operation unit, a shelf unit, and a labor service deduction loan Interest transaction unit and settlement unit; the borrowing operation unit receives the application data for deduction of loan interest from the borrower device; the review operation unit is used to review the application data for the deduction of loan interest for labor services and determine whether to perform labor service deduction for loan interest Transaction; the shelf unit is used to display the labor service deduction loan interest transaction; the labor service deduction loan interest transaction unit is used to provide at least one investor to perform the labor service deduction loan interest subscription through the investment terminal device and according to whether the investor is in a pre- Set the conditions of payment within the time limit to determine whether to continue to undertake the labor service deduction loan interest transaction; the settlement unit is used to receive the labor service deduction loan interest subscription operation to generate subscription orders and subscription progress data.

Description

Labor service deduction loan interest matching platform

This creation is about a labor service deduction loan interest matching platform, especially about a service that allows borrowers to use their own services instead of borrowing interest, and at the same time, it provides a service exchange that most investors can exchange for higher interest than borrowing.

Taiwan's small and micro service industries often fail to meet the lending standards set by banks or financial institutions, and there is a problem that loans are not easy to obtain, so that they have to turn to private financing with relatively high interest rates or underground banks to raise funds. If the general private financing borrows without guarantee, the interest can reach three to five cents a month. The high interest makes the difficulty of repayment even more difficult. It is most likely that they may even be forced to close the door and repay the debt and cause social problems.

Therefore, how to lower the borrowing threshold and borrowing interest, so that the borrowers who are willing to repay their debts can continue to develop and smoothly pay off their debts, so as to avoid causing social problems. This is the subject that the creator wants to solve.

In view of this, the purpose of this creation is to provide a labor service deduction loan interest matching platform, which is provided to borrowers who have the business ability and can provide services stably, and can use the service created by themselves to replace the high borrowing interest, which can reduce the cost of funds. The investor needs to go to the service site of the borrower to use it and exchange it for a service exchange that is higher than the borrowing interest, which can create a higher overall profit. Indirectly encourages private hot money to invest in the development of the micro service industry. Overall economic growth.

For the purpose of cost creation, a labor service deduction loan interest matching platform provided by this creation is stored in a computer device and connected via a network with at least one investment terminal device and at least one borrowing terminal with computer functions. Device link, the labor service deduction loan interest matching platform includes: a transaction database, a loan operation unit, a review operation unit, a shelf unit, a labor service deduction loan interest transaction unit, and a settlement unit; for the loan operation unit To receive a service deduction loan interest application data performed by a borrower through the borrowing terminal device, and store the service deduction loan interest application data in the transaction database; the review operation unit is connected to the transaction database to Receive the labor service deduction loan interest application data and review the labor service deduction loan interest application data, and determine whether to undertake a labor service deduction loan interest transaction related to the labor service deduction loan interest application data; the listing unit is connected to this The review operation unit is used to provide the setting of the investment return rate and the upper limit of the investment amount for the borrower to perform the labor service deduction loan interest transaction, and display the labor service deduction loan interest transaction after the setting is completed; the labor service deduction loan interest transaction unit , Connected to the shelf unit, used to provide at least one investor to perform a labor service deduction loan interest subscription operation through the investment terminal device and determine the review based on the setting of conditions for whether the investor pays within a preset period of time Whether the operation unit continues to undertake the labor service deduction loan interest transaction; the settlement unit is connected to the labor service deduction loan interest transaction unit and the transaction database to receive the labor service deduction loan interest subscription operation of the investment terminal device to generate A subscription order, and the transaction database is updated according to the subscription order to generate a subscription progress data; among them, the labor service deduction loan interest application data includes the subscription amount, number of periods, and return on investment of the labor service deduction loan interest transaction .

According to an embodiment of the invention, the subscription progress data includes a subscription progress ratio, and the subscription progress ratio is the ratio between the investor's capital contribution and the investment amount set by the borrower.

According to an embodiment of this creation, when the total amount of investment of the investor within the preset time limit does not reach the price of the labor service deduction loan interest transaction, the review operation unit executes the labor service deduction loan interest transaction Revoke.

According to an embodiment of the invention, when the total amount of investment of the investor within the preset period has reached the price of the labor service deducting loan interest transaction, the settlement unit determines whether all investors within the preset period are The investment is paid in full, and the investor's payment is remitted to the borrower.

According to an embodiment of the present creation, it further includes a registration/login unit, which is connected to the shelf unit, the labor service deduction loan interest transaction unit, and the settlement unit. Borrowing merchants and investors can register/login through the registration/login unit. Log in to the unit to register and become a member.

According to an embodiment of the present creation, it further includes an investment matching unit, which is connected to the transaction database and can receive a plurality of investment demand data from the investment terminal device; the investment matching unit is based on each investment The demand data is compared with the application data of the labor service deduction loan interest in the transaction database to find one of the matching results of the labor service deduction loan interest application data that meets the investment demand data, and the matching result Shown on the shelf unit.

According to an embodiment of the present invention, the investment demand data includes at least one or more of the foregoing information on the date of listing, review status, investment amount per period, and the borrower’s corporate loan, income, and debt ratio.

According to an embodiment of the present invention, it further includes a data encryption processing unit connected to the review operation unit to receive the labor service deduction loan interest application data determined by the review operation unit to be undertaken, and deduct the labor service Encrypt the application data for loan interest.

According to an embodiment of the invention, the data encryption performed by the data encryption processing unit on the labor service deduction loan interest application data includes the concealment of the borrowing merchant data and the partial concealment of credit procedures or information.

According to an embodiment of the invention, the settlement unit can set a payment delay period. If the investor fails to pay within the payment delay period, the settlement unit determines that the investor abandons the subscription order and sends information to the service Deducting loan interest transaction unit, so that the labor service deducting loan interest transaction unit releases the investment quota corresponding to the investor; or, if the investor pays within the payment hesitation period, the settlement unit sends the labor deduction The loan interest subscription agreement is given to the investor.

According to an embodiment of the present creation, the review operation unit imports big data and enters the overall data into "Computer Module One". The "Computer Module One" is the cash flow model, which mainly conducts POS account of turnover, 401 report, accounts receivable, payables, income statement and bank account data review within 6 months to calculate the risk value information. If the value information is lower than the standard value set by the labor service deduction loan interest matching platform, it means that the review has not been performed. Pass, return the borrower to request replacement parts or directly reject the application, and execute the cancellation of the labor service deduction loan interest transaction; after passing the review, enter the "Computer Module Two", the "Computer Module Two" is the mass data analysis , Including the number of employees, the size of the business premises, market risk valuation, mass data, etc., add the data of "Computer Module One" to several mass and community parameters to calculate the community value and labor service deduction value and then combine Generate a risk assessment report. If the review of the above information fails, the borrower’s application will be returned to execute the cancellation of the labor deduction loan interest transaction. If the "operation module 2" is approved, the assessment report will be provided on the spot. The investigation team conducts interviews with borrowers and on-site meetings. The weighted assessment of the on-site investigation includes inter-industry competitiveness, uniqueness, operational capabilities, scalability, and growth. The interview results are recorded (typed in) and labor deductions. The backstage of the loan interest matching platform is approved and put on the shelves by the risk control and management levels for investors to invest.

Among them, when the investor pays the investment funds and obtains a labor exchange voucher, the labor exchange voucher can be presented in physical or graphic or electronic form. The investor can use the labor exchange voucher to the borrower to use and exchange services, or according to physical or electronic The digital method is written off on the platform.

Below, for the composition and technical content of the labor service deduction loan interest matching platform related to this creation, various applicable examples are listed and explained in detail with reference to the accompanying drawings; however, this creation is of course not limited to The listed embodiments, drawings, or detailed descriptions are only.

Furthermore, those who are familiar with this technology should also understand: the listed embodiments and accompanying drawings are only for reference and explanation, and are not used to limit the creation; they can be easily implemented based on these records. Creations completed by modification or alteration are also deemed to be within the scope of the spirit and intent of this creation. Of course, these creations are also included in the scope of the patent application for this creation.

Please refer to FIG. 1, which shows an embodiment of the labor service deduction loan interest matching platform 100 created by the present invention. The labor service deduction loan interest matching platform 100 of the present invention is stored in a computer device, and is connected to at least one borrower device A and at least one investment device B with computer functions via a network. In detail, the "borrowing device A" in this embodiment refers to a computer or electronic device with Internet connection function operated by a borrower with capital needs; "investment device B" refers to a loan that can be used to subscribe for labor services. Internet-connected computers or electronic devices operated by investors in interest transactions. The aforementioned computer or electronic device may include, for example, a personal computer, a tablet computer (PAD), a smart phone, a PDA, and other electronic devices capable of executing computer software, and this creation is not limited.

The labor service deduction loan interest matching platform 100 is a data processing operation on the server host to communicate with multiple borrowing end devices A and multiple investment end devices B respectively, and the labor service deduction loan interest matching platform 100 The data transmission method of the borrower device A and the investment device B is different based on the hardware architectures that cooperate with each other. Specifically, it can be transmitted through a network that conforms to, for example, Ethernet, 3G, Wi-Fi, or 4G LTE. Data technology realization.

The labor service deduction loan interest matching platform 100 of this creation includes a loan operation unit 10, a review operation unit 20, a shelf unit 30, a labor service deduction loan interest transaction unit 40, a settlement unit 50, and a transaction database 200 . Specifically, the loan operation unit 10 is connected to the transaction database 200 to receive a labor service deduction loan interest application data executed by a borrower through the borrowing terminal device A, and store the labor service deduction loan interest application data In the transaction database 200; the review operation unit 20 is connected to the transaction database 200 to receive the labor service deduction loan interest application data and review the labor service deduction loan interest application data, and determine whether the contract is related to the labor service The service deduction loan interest transaction of the application materials for deduction of loan interest; the listing unit 30 is connected to the review operation unit 20 to provide the borrowing merchant with the setting of the investment return rate and the upper limit of the investment amount for the service deduction of the loan interest transaction. After the setting is completed, the labor service deduction loan interest transaction is displayed; the labor service deduction loan interest transaction unit 40 is connected to the shelf unit 30 to provide at least one investor to perform a labor service deduction loan interest subscription via the investment terminal device B According to the conditions of whether the investor pays within a preset period of time, determine whether the review operation unit 20 continues to undertake the labor service deduction loan interest transaction; the settlement unit 50 is connected to the labor service deduction loan interest transaction The unit 40 and the transaction database 200 are used to receive the labor deduction loan interest subscription operation of the investment terminal device B to generate a subscription order, and update the transaction database 200 according to the subscription order to generate a subscription progress data.

In addition, whether it is a borrower who needs funds or an investor who wants to make a subscription, you can register as a member on the labor service deduction loan interest matching platform 100. Specifically, the labor service deduction loan interest matching platform 100 further includes a registration/login unit 60 connected to the shelf unit 30, the labor service deduction loan interest transaction unit 40, and the settlement unit 50 to enable borrowers and investors The registration/login unit 60 can be connected to the registration/login unit 60 through the borrower end device A and the investment end device B to enter the basic information of the member to apply for becoming a member of the labor service deduction loan interest matching platform 100. After the labor service deduction loan interest matching platform 100 receives the member information uploaded by the investment end device B and the borrower end device A, it stores it in a member database 300, and the member database 300 can be stored in the same The labor service deduction loan interest matching platform 100 is in the same computer device or stored in a cloud server. Investors who have been registered as members can log in and connect to the shelf unit 30, the labor service deduction loan interest transaction unit 40, and the settlement unit 50 through the registration/login unit 60.

The labor service deduction loan interest application data includes the subscription price, number of periods, and return on investment of one of the labor service deduction loan interest transactions; the transaction database 200 is used to store the labor service deduction loan interest application data uploaded by the borrower device A, and The subscription order uploaded by the investment terminal device B, etc., and the member database 300 is used to store the basic information of the borrower and the investor.

According to an embodiment of the present invention, the application materials for deducting interest on loans for labor services further include documents related to the financial status of the borrower and various financial statements. The review operation unit 20 reviews the application materials for deduction of loan interest for labor services, including reviewing documents related to the financial status of the borrower and various financial statements. When the total amount of funds contributed by the investor within the preset period does not reach the price of the labor service deduction loan interest transaction, the review operation unit 20 executes the cancellation of the labor service deduction loan interest transaction. In addition, when the total amount of funds contributed by the investor within the preset period has reached the price of the labor service deduction loan interest transaction, the labor service deduction loan interest transaction is transmitted to the settlement unit 50, and the settlement unit 50 judges the prepayment Set whether all investors have paid the investment in full within the time limit, and the investor’s payment will be remitted to the borrower.

In addition, the labor service deduction loan interest matching platform 100 further includes an investment matching unit 70 connected to the transaction database 200 and capable of receiving multiple investment demand data from the investment terminal device B. The investment demand data includes at least one or more of the aforementioned information on the listing date, review status, investment amount of each period, and the borrower’s corporate loan, income, and debt ratio specified by the investor. In detail, the investor inputs the investment demand data through the investment terminal device B, and the investment matching unit 70 calculates and compares each of the investment demand data with the labor service deduction loan interest application data in the transaction database 200 Yes, to find out one of the matching results of the labor service deduction loan interest application data that meets the investment demand data, and display the matching result on the shelf unit 30. In addition, the investment matching unit 70 can also update the investment demand data based on the content of the investor's subscription order. The updated investment demand data includes subscription progress data, such as updated investors, subscription price, subscription progress, and remaining amount.

According to an embodiment of the invention, the subscription progress data includes a subscription progress ratio, and the subscription progress ratio must be the ratio between the investor's capital contribution and the loan amount set by the borrower.

To further explain, the settlement unit 50 can aggregate the information and generate the investment result data of this embodiment according to the information of the labor service deduction loan interest transaction number, subscription amount, number of periods, and return on investment in the updated investment demand data. Specifically, the investor can repeat the foregoing steps, or set multiple investment demand data at a time, thereby obtaining multiple labor service deduction application data for loan interest.

In addition, investors can view multiple labor service deduction loan interest application data on the shelf unit 30, and operate to select the desired investment project and price (subscription order), so as to meet the labor service deduction loan interest matching demand Effect. When the needs of the borrower and the investor meet, the two parties can conduct a transaction. The borrowing interest on the borrower can be deducted by the services they can provide to reduce the capital expenditure, and the investor can also get higher Service exchange for loan interest.

Furthermore, the labor service deduction loan interest matching platform 100 of this creation further includes a data encryption processing unit 80, which is connected to the review operation unit 20 to receive the labor service that is judged to be available for the review work sheet 20 yuan. Deduction of loan interest application data, and encrypt the application data of labor service loan interest deduction. The data encryption performed by the data encryption processing unit 80 on the labor service deduction loan interest application data includes the concealment of the borrowing merchant data and the partial concealment of credit procedures or information.

According to an embodiment of the invention, the settlement unit 50 can set a payment delay period. If the investor fails to pay within the payment delay period, the settlement unit 50 determines that the investor abandons the subscription order and sends the information to The labor service deduction loan interest transaction unit 40 causes the labor service deduction loan interest transaction unit 40 to release the investment quota corresponding to the investor; or, if the investor pays within the payment hesitation period, the settlement unit 50 Send the labor service deduction agreement to the investor.

The following describes the operation process of the labor service deduction loan interest matching platform 100 in the first embodiment of this creation. Please refer to FIG. 2. The operation process of the labor service deduction loan interest matching platform 100 includes steps S101 to S109. .

In step S101, the borrowing merchant uploads the labor service deduction loan interest related data to the labor service deduction loan interest matching platform 100 via the loan operation unit 10. Then go to step S102.

In step S102, the labor service deduction loan interest application data is transmitted to the review operation unit 20. The review operation unit 20 reviews the financial status related documents and various financial statements of the borrower. The review operation unit 20 may be preset with various undertakings. The hardware or software that can be used as conditions and can be judged by itself can also be part of the undertaking conditions that are pre-set in the program to automatically study and judge, and the rest of the undertaking conditions are also performed manually (more on this later). Then go to step S103.

In step S103, it is determined whether there is a transaction related to the above-mentioned labor service deduction of loan interest. If it is determined that the transaction concerning the above-mentioned labor service deduction of loan interest cannot be undertaken, then step S104; if it is determined that the transaction concerning the above-mentioned labor service deduction of loan interest can be undertaken, then the step S105 is performed.

In step S104, the application for the service deduction of loan interest transaction is cancelled.

In step S105, the labor service deduction loan interest application data is transmitted to the shelf unit 30, and the shelf unit 30 sets the return on investment and the upper limit of the single investment amount and then publicly displays the aforementioned labor service deduction loan interest transaction. Then go to step S106.

In step S106, a plurality of investors perform the above-mentioned subscribing operation of the labor deducted loan interest in the labor service deducted loan interest transaction unit 40 via the investment terminal device B, and pay within a predetermined period, for example, installed in a computer or a smart phone. The app connects to the labor service deduction loan interest matching platform 100 created by this author to invest and pay online. Then go to step S107.

In step S107, it is determined whether the total investment amount of the investors reaches the amount of the borrower's labor service deducting the loan interest within a preset period (for example, one month). If the amount of the labor service deducting loan interest has not been reached, return to step S104 to cancel the application for the labor service deduction of loan interest transaction; if the labor service deductible loan interest price has been reached, then proceed to step S108.

In step S108, the labor service deducted loan interest transaction is removed from the shelf unit 30 and transmitted to the settlement unit 50. The settlement unit 50 receives the labor service deducted loan interest subscription operation to generate a subscription order, and based on the subscription The order generates a subscription progress data; furthermore, it is judged whether all investors have paid in full within the preset period, for example: a seven-day payment hesitation period is provided for the investor, and the investor can decide whether to abandon the investment during the payment hesitation period project. If any investor has not paid the investment money, it will go to step S105, the service deducted loan interest transaction will be re-listed on the shelf unit 30 for public display, and the unpaid investment money limit will be open to other investors to subscribe; if All investors have paid the investment funds in full, and step S109 is entered.

In step S109, the funds paid by the investors are remitted to the borrower through the labor service deduction loan interest matching platform 100.

In this way, the work of the matching platform 100 for the creation and labor service deduction of loan interest is completed.

However, the follow-up actions can produce a loan contract (including the individual rights and obligations of the borrowing merchant, investor and labor service deduction loan interest matching platform 100... etc.), and labor exchange vouchers to investors. The labor exchange voucher can be presented in a physical or graphic or electronic manner. In addition, when investors can use the service exchange voucher to borrow merchants to use and exchange services, they can also write off on the platform in a physical or digital way.

Please refer to FIG. 3, which is an operation flowchart of the labor service deduction loan interest matching platform 100 in the second embodiment of the present creation. The main difference between this embodiment and the first embodiment is that the flow of encryption processing is substantially the same. In this embodiment, the operation process of the labor service deduction loan interest matching platform includes steps S201 to S210.

In step S201, the borrowing merchant uploads the labor service deduction loan interest related data to the labor service deduction loan interest matching platform 100 via the loan operation unit 10. Then go to step S202.

In step S202, the labor service deduction loan interest application data is transmitted to the review operation unit 20, and the review operation unit 20 reviews documents related to the financial status of the borrower and various financial statements. The review operation unit 20 may be preset with various undertakings. The hardware or software that can be used as conditions and can be judged by itself can also be part of the undertaking conditions that are pre-set in the program to automatically study and judge, and the rest of the undertaking conditions are also performed manually (more on this later). Then go to step S203.

In step S203, it is determined whether there is a transaction related to the above-mentioned labor service deduction of loan interest. If it is determined that the transaction concerning the above-mentioned labor service deduction of loan interest is not to be undertaken, step S204; if it is determined that the transaction concerning the above-mentioned labor service deduction of the loan interest can be undertaken, then the step S205 is performed.

In step S204, the application for the service deduction of loan interest transaction is cancelled.

In step S205, a data encryption processing unit 80 receives the labor service deduction loan interest application data determined by the examined operation unit 20 to be undertaken, and encrypts the labor service deduction loan interest data. Then go to step S206.

In step S206, the encrypted labor service deduction loan interest application data is transmitted to the shelf unit 30, and the shelf unit 30 sets the return on investment and the upper limit of the single investment amount and then publicly displays the aforementioned labor service deduction loan interest transaction. Then go to step S207.

In step S207, a plurality of investors perform the above-mentioned subscribing operation of the labor service deduction loan interest in the labor service deduction loan interest transaction unit 40 via a computer device, and pay within a predetermined period, for example, via an application installed in a computer or a smart phone. The program connects to the labor service deduction loan interest matching platform 100 created by this program for investment and online payment. Then go to step S208.

In step S208, it is determined whether the total investment amount of the investors reaches the amount of the borrower's labor service deducting the loan interest within a preset period (for example, one month). If the amount of the labor service deducting the loan interest has not been reached, return to step S204 to cancel the application for the labor service deduction of the loan interest transaction; if the labor service deducting the loan interest price has been reached, then proceed to step S209.

In step S209, the labor service deducted loan interest transaction is removed from the shelf unit 30 and transmitted to the settlement unit 50. The settlement unit 50 receives the labor service deducted loan interest subscription operation to generate a subscription order, and based on the subscription The order generates a subscription progress data; furthermore, it is judged whether all investors have paid in full within the preset period, for example: a seven-day payment hesitation period is provided for the investor, and the investor can decide whether to abandon the investment during the payment hesitation period project. If any investor has not paid the investment money, it will go to step S206, the service deducted loan interest transaction will be re-listed on the shelf unit 30 for public display, and the unpaid investment money limit will be open to other investors to subscribe; if All investors have paid the investment funds in full, and step S210 is entered.

In step S210, the investor's payment is remitted to the borrower's merchant.

Similarly, follow-up actions can produce loan contracts (including the individual rights and obligations of borrowing merchants, investors, and labor service deduction loan interest matching platform 100... etc.) and labor exchange vouchers to investors. The labor exchange voucher can be presented in a physical or graphic or electronic manner. In addition, when investors can use the service exchange voucher to borrow merchants to use and exchange services, they can also write off on the platform in a physical or digital way.

Next, please refer to Figure 4. The labor service deduction loan interest matching platform 100 includes a calculation module 1 and a calculation module 2, which can pre-set standard values through big data analysis and conduct audits. The calculation module 1 is The cash flow model 400, and the second computing module is the mass data analysis module 500. In the foregoing step S102 and step S202, the review operation unit 20 imports the financial status-related documents and various financial statements of the borrower into the calculation module 1, and performs the POS account, 401 report, and application of the borrower’s turnover. Review the data of accounts payable, income statement, and current bank accounts within 6 months to calculate the risk value information. If the value information is lower than the preset standard value, it means that the review has not passed, and it will be returned to the borrower for replenishment or direct Reject the application and execute the cancellation of the labor service deduction loan interest transaction.

When the calculation module 1 is approved and then enters the calculation module 2, the mass data analysis model 500 mainly analyzes the number of employees of the borrower, the size of the business site, the market risk evaluation, and the mass data, and integrates the calculation model. The data obtained in Group 1 are calculated to obtain the community value and the deduction value of labor services and generate a risk assessment report. Similarly, if the above data fails to pass the pre-set standard value, the borrower’s application will be returned and the labor service will be executed. For the cancellation of loan interest deduction transactions, if the calculation module 2 is approved, the evaluation report will be provided to the on-site investigation team for interviews with borrowers and on-site interviews, and the interview results will be imported into the on-site investigation weighting module 600, based on the level of risk control and management level approval and listing, for investors to invest. The results of the interview included inter-industry competitiveness, uniqueness, operational capabilities, expansion, growth and other items.

To sum up, the technical feature of the labor service deduction loan interest matching platform 100 created by this invention is that it can provide borrowers who are willing to repay debts to use their own services instead of borrowing interest, so that they can pay off the loan interest on schedule and reduce the repayment cost. Difficulty, which can further smoothly repay debts, and increase the number of customers and performance for borrowers. At the same time, it provides new investment targets for investors to have more choices, and it can promote the use and flow of funds, and indirectly encourage Private hot money helps the development of microservices.

Although this creation is disclosed in the above examples, it is not intended to limit the scope of this creation. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit of this creation. Therefore, this The scope of protection of the creation shall be subject to the scope of the attached patent application.

100: Labor service deduction loan interest matching platform

10: Loan operation unit

20: Review the work unit

30: Shelf unit

40: Labor service deduction loan interest transaction unit

50: Settlement unit

60: Registration/Login Unit

70: Investment matching unit

80: Data encryption processing unit

200: Transaction Database

300: Member Database

400: cash flow model

500: Crowd data analysis model

600: Field survey weighting calculation module

S101~S109: steps

S201~S210: steps

A: Borrower device

B: Investment end device

Figure 1 is a system block diagram of the labor service deduction loan interest matching platform in this case. Fig. 2 is an operation flowchart of an embodiment of the labor service deduction loan interest matching platform in Fig. 1. FIG. 3 is an operation flowchart of another embodiment of the labor service deduction loan interest matching platform of FIG. 1. Figure 4 is the review flow chart of the review operation unit of the labor service deduction loan interest matching platform shown in Figure 1.

100: Labor service deduction loan interest matching platform

10: Loan operation unit

20: Review the work unit

30: Shelf unit

40: Labor service deduction loan interest transaction unit

50: Settlement unit

60: Registration/Login Unit

70: Investment matching unit

80: Data encryption processing unit

200: Transaction Database

300: Member Database

A: Borrower device

B: Investment end device

Claims (12)

A labor service deduction loan interest matching platform, which is stored in a computer device and connected to at least one investment end device with computer functions and at least one borrowing end device via a network, and the labor service deduction loan interest matching platform The platform includes: a transaction database; a loan operation unit for receiving a labor service deduction loan interest application data executed by a borrower through the borrowing terminal device, and storing the labor service deduction loan interest application data in the transaction Database; a review operation unit, connected to the transaction database, to receive the labor service deduction loan interest application data and review the labor service deduction loan interest application data, and determine whether it is related to the labor service deduction loan The labor service deduction loan interest transaction of the interest application data; a listing unit, connected to the review operation unit, is used to provide the borrower to perform the labor service deduction loan interest transaction investment return rate and the investment amount upper limit setting, and set it in After completion, the labor service deduction loan interest transaction is displayed; a labor service deduction loan interest transaction unit, connected to the shelf unit, is used to provide at least one investor to perform a labor service deduction loan interest subscription operation through the investment terminal device and according to the Whether the investor sets the conditions for payment within a preset period to determine whether the review operation unit continues to undertake the labor service deduction loan interest transaction; and a settlement unit connected to the labor service deduction loan interest transaction unit and the The transaction database is used to receive the labor service deduction loan interest subscription operation of the investment terminal device to generate a subscription order, and update the transaction database according to the subscription order to generate a subscription progress data; wherein, the labor service deduction loan The interest application materials include the subscription price, number of periods, and return on investment for one of the labor service deduction loan interest transactions. For example, the labor service deduction loan interest matching platform described in claim 1, wherein the subscription progress data includes a subscription progress ratio, and the subscription progress ratio is between the investor’s capital contribution and the investment amount set by the borrower proportion. For example, the labor service deduction loan interest matching platform described in claim 1, wherein when the total investment amount of the investor within the preset period does not reach the price of the labor service deduction loan interest transaction, the review operation unit will Execute the cancellation of the labor service deduction loan interest transaction. For example, the labor service deduction loan interest matching platform described in claim 1, wherein when the total investment amount of the investor has reached the price of the labor service deduction loan interest transaction within the preset period, the settlement unit judges the Whether all investors have paid the investment funds within the preset time limit and remit the investor's payment to the borrower. The labor service deduction loan interest matching platform described in claim 1, which further includes a registration/login unit connected to the shelf unit, the labor service deduction loan interest transaction unit, and the settlement unit. Merchants and investors can register and become members through the registration/login unit. The labor service deduction loan interest matching platform described in claim 1, which further includes an investment matching unit connected to the transaction database and capable of receiving multiple investment demand data from the investment terminal device; The investment matching unit calculates and compares each of the investment demand data with the labor service deduction loan interest application data in the transaction database to find the labor service deduction loan interest application data that meets the investment demand data. A matching result, and displaying the matching result on the shelf unit. Such as the labor service deduction loan interest matching platform described in claim 6, wherein the investment demand data includes at least the date of listing, review status, investment amount per period, and the aforementioned information of the borrower’s corporate loan, income, and debt ratio One or more. The labor service deduction loan interest matching platform described in claim 1, which further includes a data encryption processing unit connected to the review operation unit to receive the labor service deduction loan judged to be acceptable by the review operation unit Interest application data, and encrypt the application data for the labor service deduction loan interest. For example, the labor service deduction loan interest matching platform described in claim 8, wherein the data encryption processing unit performs the data encryption on the labor service deduction loan interest application data, including the hiding of the borrowing business data and part of the credit program or information hide. For example, the labor service deduction loan interest matching platform described in claim 1, wherein the settlement unit can set a payment hesitation period. If the investor fails to pay within the payment hesitation period, the settlement unit determines that the investor waives the payment Subscribe to the order and send information to the labor service deduction loan interest transaction unit, so that the labor service deduction loan interest transaction unit releases the investment quota corresponding to the investor; or, if the investor pays after the payment hesitation period , The settlement unit sends a subscription agreement for deducting loan interest from labor services to the investor. The labor service deduction loan interest matching platform described in claim 1, wherein the review operation unit includes a cash flow model, a mass data analysis model, and a field survey weighting calculation module, which can be determined based on big data analysis and field survey results Whether to undertake the labor service deduction loan interest transaction related to the application materials of the labor service deduction loan interest. For example, the labor service deduction loan interest matching platform described in claim 1, in which when the investor pays the investment money and obtains a labor service exchange voucher, the labor exchange voucher can be presented in physical or graphic or electronic way, and the investor can use the service to exchange When the voucher is used by the borrower and the service is exchanged, it can also be written off on the platform in a physical or digital way.

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