TWM652910U - Equity trading server - Google Patents

Abstract

An equity transaction server is suitable for transferring a target to-be-sold use right belonging to a seller user and related to bank feedback equity to a buyer user, and includes a server storage module, a server communication module and a server End processing module. The server processing module obtains the target pending usage rights matching the intended purchasing usage rights from all the usage rights to be sold stored in the server storage module based on a purchase request of the buyer user. Sell the use right, and then conduct a payment transaction between the buyer and the seller based on the amount to be sold corresponding to the target use right to be sold. Finally, the server processing module transfers the target use right to be sold from the seller user to the buyer user. So that the buyer user has the permission to use the target to be sold.

Description

Equity trading server

The present invention relates to a transaction server, in particular, to a transaction server that transfers the right to use bank feedback rights belonging to one user to another user at a price.

In recent years, various rewards benefits promoted by banks (such as airport transfers with credit card rewards, bonus points rewards, etc.) have become one of the important basis for consumers to apply for credit cards. However, many bank users find that they are often unable to make full use of the rewards benefits provided by the bank, resulting in users reducing their willingness to renew their cards; or, when other consumers need to use the rewards benefits of a specific credit card that has not yet been applied for, they have to re-apply. Go apply for it and wait for the card to be issued, no matter how late it is.

Under the above circumstances, there is a need for a platform that allows users with feedback rights to fully utilize the feedback rights, and allows users who do not have specific feedback rights to obtain the specific feedback immediately. This is an urgent problem that needs to be solved.

Therefore, the purpose of this new model is to provide a server that allows users with feedback rights to fully utilize the feedback rights, and allows users who do not have specific feedback rights to obtain the specific feedback in real time.

Therefore, this new type of equity transaction server is suitable for transferring a target to-be-sold use right belonging to a seller user and regarding the bank's feedback equity to a buyer user at a price, and connecting the buyer user's holdings through a communication network. electronic devices.

The equity trading server includes a server storage module, a server communication module, and a server processing module electrically connected to the server storage module and the server communication module.

The server storage module stores a plurality of usage rights data to be sold corresponding to multiple seller user accounts. Each usage right data to be sold includes a usage right to be sold and an amount to be sold.

The server communication module is connected to the buyer's electronic device through the communication network, and is used to receive a purchase request from the buyer's electronic device and corresponding to a buyer user account corresponding to the buyer user. The purchase request includes a user to be purchased. right.

Among them, the server processing module obtains the target use right to be sold that matches the use right to be purchased from the use rights to be sold of all the use rights to be sold according to the use right to be purchased in the purchase request, and adds the use right to be sold to the target. The to-be-sold use right data corresponding to the target to-be-sold use right is used as a target to-be-sold use right data, and the seller user account corresponding to the target to-be-sold use right is used as a target seller user account, and the server processing module generates And execute a payment instruction for transferring the amount to be sold of the target's use rights data to be sold in the buyer's user account to the target seller's user account, and the server processing module transfers the target amount of the target seller's user account to The use rights to be sold are transferred to the buyer's user account, so that the buyer user corresponding to the buyer's user account has the authority to use the target's use rights to be sold.

The function of this new model is to use the server processing module to obtain the matching target use right to be sold from all the use rights to be sold based on the use right that the buyer user wants to purchase. right, and then execute the payment instruction and complete the payment based on the amount of the target to-be-sold use right data agreed by both parties. Finally, the server-side processing module transfers the target to-be-sold use right of the target seller's user account to the Buyer user account, thereby enabling the seller user to fully utilize the unused target to-be-sold use rights, and the buyer-user can also immediately use the feedback rights corresponding to the target to-be-sold use rights.

Referring to Figure 1, the new equity transaction server 1 is suitable for transferring a target to-be-sold use right belonging to a seller user and related to bank feedback equity to a buyer user at a price, and connecting the buyer user's holdings through a communication network 200. A buyer electronic device 2, and a seller electronic device 3 held by the seller user.

The equity trading server 1 includes a server storage module 11, a server communication module 12, and a server processing module 13 electrically connected to the server storage module 11 and the server communication module 12.

The server storage module 11 stores a plurality of rights-to-use rights data corresponding to multiple user accounts, a plurality of rights-to-sell data corresponding to multiple seller user accounts, a variety of rights categories, a first default balance, and a A second preset difference that is greater than the first preset difference. Among them, each equity use right information includes at least one equity use right and a usage period corresponding to each equity use right. Among them, each right to use rights corresponds to one of the corresponding rights categories. Among them, each use right information to be sold includes a use right to be sold, an amount to be sold and a usable period. Among them, each use right to be sold corresponds to one of the corresponding equity categories. Among them, each seller user account is one of these user accounts, and the use right to be sold of the seller user account is one of the rights to use all rights corresponding to the seller user account. It is worth mentioning that these benefit categories include at least one of a parking reward category, a transportation reward category, and a cash or bonus point reward category, but are not limited thereto. Among them, each right to use rights includes any one of a bonus reward point right, a card swipe reward point right, a parking reward right, and an airport transfer reward right.

The server communication module 12 connects the buyer's electronic device 2 and the seller's electronic device 3 via the communication network 200 .

The implementation form of the equity trading server 1 is, for example, a server or a personal computer, but is not limited to this.

The buyer's electronic device 2 includes a buyer-side communication module 21 for connecting to the communication network 200, a buyer-side input module 22, a buyer-side display module 23, and an electrical connection between the buyer-side communication module 21 and The buyer-side input module 22 and the buyer-side processing module 24 of the buyer-side display module 23 .

The seller's electronic device 3 includes a seller's side communication module 31 for connecting to the communication network 200, a seller's side input module 32, a seller's side display module 33, and an electrical connection between the seller's side communication module 31 and The seller-side input module 32 and the seller-side processing module 34 of the seller-side display module 33 .

The implementation form of the buyer's electronic device 2 and the seller's electronic device 3 is, for example, a personal computer, a tablet computer, a notebook computer or a smart device, but is not limited thereto.

The operation details of the equity transaction server 1, the buyer's electronic device 2 and the seller's electronic device 3 will be explained below through an equity transaction method. The equity transaction method includes an equity sale process and an equity purchase process.

Referring to Figure 2, the equity sale procedure includes steps 501~510.

In step 501, the seller-side processing module 34 responds to the input signal generated by the seller-side input module 32 by the seller user's operation, and generates a login verification request including the seller user account corresponding to the seller user and its password. And transmit the login verification request to the equity transaction server 1 through the seller-side communication module 31.

In step 502, after receiving the login verification request through the server communication module 12, the server processing module 13 determines whether the verification is successful. When the server processing module 13 determines that the verification fails, process step 503 is performed; when the server processing module 13 determines that the verification is successful, process step 505 is performed.

In step 503 , the server processing module 13 generates a verification failure message and sends the verification failure message to the seller electronic device 3 through the server communication module 12 .

In step 504 , after receiving the verification failure message through the seller-side communication module 31 , the seller-side processing module 34 displays the verification failure message on the seller-side display module 33 .

In step 505, the server processing module 13 generates a sales selection message indicating that the verification is successful and including at least one rights usage data corresponding to the seller user account corresponding to the seller user, and communicates it through the server communication module 12. Send the selling selection message to the seller's electronic device 3.

In step 506 , after receiving the sale selection message through the seller-side communication module 31 , the seller-side processing module 34 displays at least one equity usage data of the sale selection message on the seller-side display module 33 .

In step 507, the seller's side processing module 34 responds to the input signal generated by the seller's user operation by the seller's side input module 32, and generates a usage right to be sold data including a usage right to be sold and an amount to be sold, And transmit the usage right information to be sold to the equity transaction server 1 through the seller-side communication module 31. Among them, the use right to be sold is one of the equity use rights corresponding to at least one equity usage data in the sale selection message.

In step 508, after receiving the information about the use right to be sold through the server communication module 12, the server processing module 13 uses the use right to be sold as the pending data corresponding to the seller user account corresponding to the seller user. Sell the use right, and use the amount to be sold as the amount to be sold corresponding to the seller user account corresponding to the seller user, and use the period of use corresponding to the use right to be sold as the available amount corresponding to the seller user account corresponding to the seller user. Use period, and then obtain the new use right information for sale corresponding to the seller user and store it in the server storage module 11, and any user can check the server storage module 11 through the electronic device he holds. All stored usage rights data for sale. It is worth mentioning that the usability period of the use right data to be sold means that the buyer-user who purchases in the future can only use the rights and interests corresponding to the use right data to be sold within the usability period.

In step 509 , the server processing module 13 generates a listing completion message, and transmits the listing completion message to the seller's electronic device 3 through the server communication module 12 .

In step 510 , after receiving the listing completion message through the seller-side communication module 31 , the seller-side processing module 34 displays the listing completion message on the seller-side display module 33 .

Referring to Figures 3 and 4, the equity purchase procedure includes steps 601 to 620.

In step 601, the buyer-side processing module 24 responds to the input signal generated by the buyer-side input module 22 by the buyer-user operation, and generates another user account and password corresponding to the buyer-user. A login verification request is made, and another login verification request is sent to the equity trading server 1 through the buyer-side communication module 21 .

In step 602, after receiving the another login verification request through the server communication module 12, the server processing module 13 determines whether the verification is successful. When the server processing module 13 determines that the verification fails, process step 603 is performed; when the server processing module 13 determines that the verification is successful, process step 605 is performed.

In step 603 , the server processing module 13 generates another verification failure message and sends the another verification failure message to the buyer electronic device 2 through the server communication module 12 .

In step 604 , after receiving the another verification failure message through the buyer-side communication module 21 , the buyer-side processing module 24 displays the another verification failure message on the buyer-side display module 23 .

In step 605, the server processing module 13 generates a purchase category selection message indicating that the verification is successful and the desired purchase category of rights can be selected, and transmits the purchase category selection message to the server through the server communication module 12. The buyer electronic device 2.

In step 606 , the buyer-side processing module 24 displays the desired-purchase category selection message on the buyer-side display module 23 after receiving the desired-purchase category selection message through the buyer-side communication module 21 .

In step 607, the buyer's side processing module 24 responds to the input signal generated by the buyer's user operation by the buyer's side input module 22, generates a desired purchase rights matching request including a desired purchase rights type and a pre-purchase amount, and The purchase equity matching request is sent to the equity transaction server 1 through the buyer-side communication module 21 . Among them, the type of equity to be purchased is one of these types of equity. It is worth mentioning that in other embodiments, the matching request for the rights to be purchased may also include only the type of rights to be purchased.

In step 608, after the server processing module 13 receives the rights-to-be-purchased matching request through the server-side communication module 12, the server-side processing module 13 processes the rights to be purchased according to the type of rights to be purchased in the rights-to-be-purchased matching request. , determine whether there is at least one candidate for use right to be sold among all the use rights to be sold stored in the server storage module 11 . When the server processing module 13 determines that there is at least one candidate use right to be sold, the process proceeds to step 609; when the server processing module 13 determines that there is no at least one candidate use right to be sold, the process proceeds. Step 612. Among them, the equity category corresponding to each candidate use right to be sold is the same as the equity category to be purchased, and the absolute difference between the corresponding amount to be sold and the amount to be purchased is less than the first preset difference.

In step 609 , the server processing module 13 transmits at least one to-be-sold usage right data corresponding to the at least one candidate to-be-sold usage right to the buyer electronic device 2 through the server-side communication module 12 .

In step 610, after the buyer-side processing module 24 receives at least one use right data corresponding to the at least one candidate use right to be sold through the buyer-side communication module 21, the at least one candidate use right to be sold is At least one use right data to be sold corresponding to the use right is displayed on the buyer-side display module 23 .

In step 611, the buyer-side processing module 24 responds to the input signal generated by the buyer-side input module 22 by the buyer-user operation, generates a pair of purchase requests for the buyer-user account and includes a desired use right, and passes The buyer-side communication module 21 transmits the purchase request to the equity transaction server 1, and continues to execute step 616. Wherein, the use right to be purchased in the purchase request is one of at least one of the use rights to be sold.

In step 612, the server processing module 13 determines whether there is at least one candidate right to be sold among all the rights to be sold stored in the server storage module 11. When the server processing module 13 determines that there is at least one candidate use right to be sold, the process proceeds to step 613; when the server processing module 13 determines that there is no at least one candidate use right to be sold, the process proceeds. Step 619. Among them, the equity type corresponding to each waiting use right to be sold is the same as the equity type to be purchased, and the absolute difference between the corresponding amount to be sold and the amount to be purchased is less than the second preset difference. It is worth mentioning that in other embodiments, before performing this step, the equity trading server 1 may also generate and send an expanded search amount message indicating an expanded search amount range to the buyer's electronic device 2 .

In step 613, the server processing module 13 transmits at least one to-be-sold use right data corresponding to the at least one candidate to-be-sold use right to the buyer's electronic device 2 through the server-side communication module 12.

In step 614, after receiving at least one use right data corresponding to the at least one candidate use right to be sold through the buyer-side communication module 21, the buyer-side processing module 24 converts the at least one candidate use right to be sold to At least one use right data to be sold corresponding to the use right is displayed on the buyer-side display module 23 .

In step 615, the buyer-side processing module 24 responds to the input signal generated by the buyer-side input module 22 by the buyer-user operation, generates a pair of purchase requests for the buyer-user account and includes a desired use right, and passes The buyer-side communication module 21 transmits the purchase request to the equity transaction server 1 . Wherein, the use right to be purchased in the purchase request is one of the at least one candidate use right to be sold.

In step 616, after receiving the purchase request through the server communication module 12, the server processing module 13 obtains the use rights to be sold from all the use rights to be sold according to the use rights to be purchased in the purchase request. , obtain the target use right to be sold that matches the use right to be purchased, and use the right to use right to be sold corresponding to the target use right to be sold as a target right to use use to be sold information, and use the right to use use right to be sold as the target The corresponding seller user account serves as a target seller user account.

In step 617, the server processing module 13 generates and executes a payment instruction for transferring the amount to be sold of the target use right data to be sold in the buyer's user account to the target seller's user account. It is worth mentioning that in other embodiments, this step can also be completed by a conventional third-party payment system.

In step 618, the server processing module 13 transfers the target to-be-sold use rights of the target seller user account to the buyer user account, so that the buyer user corresponding to the buyer user account has the target to-be-sold use rights. authority.

In step 619 , the server processing module 13 generates a no-match notification message and sends the no-match notification message to the buyer electronic device 2 through the server communication module 12 .

In step 620 , after receiving the no-match notification message through the buyer-side communication module 21 , the buyer-side processing module 24 displays the no-match notification message on the buyer-side display module 23 .

To sum up, the new equity trading server 1 allows the seller user to list the currently unused rights to be sold on the equity trading server 1 by executing the equity selling process so that all users can view them; Moreover, by executing the equity purchase procedure, the buyer user can be matched according to the required category of the equity to be purchased, and recommend the most similar at least one candidate use right to be sold to the buyer user, so that the buyer user can start from Among them, the right to use is selected for purchase. Finally, the equity transaction server 1 completes the payment and transfer of use rights between the buyer and the seller, effectively establishing a platform for the free transfer of the right to use the rights for the bank's feedback between the supply and demand parties. , to achieve mutual benefit and reciprocity between supply and demand, so the purpose of this new type can indeed be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

200:Communication network 1: Equity trading server 11: Server storage module 12:Servo communication module 13:Servo-side processing module 2: Buyer’s electronic device 21: Buyer-side communication module 22: Buyer-side input module 23: Buyer-side display module 24: Buyer-side processing module 3: Seller’s electronic device 31: Seller-side communication module 32: Seller-side input module 33: Seller-side display module 34: Seller-side processing module 501~510: steps 601~620: Steps

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating one embodiment of the new equity trading server; Figure 2 is a flow chart illustrating an equity selling procedure of an equity trading method implemented in this embodiment; and Figures 3 and 4 are both flow charts to illustrate an equity purchase procedure of the equity transaction method executed in this embodiment.

200: Communication network

1: Equity trading server

11: Server storage module

12:Servo communication module

13:Servo-side processing module

2: Buyer’s electronic device

21: Buyer-side communication module

22: Buyer-side input module

23: Buyer-side display module

24: Buyer-side processing module

3: Seller’s electronic device

31: Seller-side communication module

32: Seller-side input module

33: Seller-side display module

34: Seller-side processing module

Claims (8)

An equity transaction server suitable for transferring a target to-be-sold use right belonging to a seller user and related to bank feedback equity to a buyer user at a price, and connecting a buyer electronic device held by the buyer user through a communication network, The equity trading server contains: A server storage module stores a plurality of usage rights data to be sold corresponding to multiple seller user accounts, and each usage right data to be sold includes a usage right to be sold and an amount to be sold; A server communication module is connected to the buyer's electronic device through the communication network and is used to receive a purchase request from the buyer's electronic device and corresponding to a buyer user account corresponding to the buyer user. The purchase request includes a user to be purchased. rights; and A server processing module electrically connects the server storage module and the server communication module; Among them, the server processing module obtains the target use right to be sold that matches the use right to be purchased from the use rights to be sold of all the use rights to be sold according to the use right to be purchased in the purchase request, and adds the use right to be sold to the target. The right-to-sell data corresponding to the target use right to be sold is used as a target right-to-sell information, and the seller user account corresponding to the target use right to be sold is used as a target seller user account, The server processing module generates and executes a payment instruction for transferring the amount to be sold of the target use rights data to be sold in the buyer's user account to the target seller's user account, The server processing module transfers the target for-sale use rights of the target seller user account to the buyer user account, so that the buyer user corresponding to the buyer user account has the authority to use the target for-sale use rights. The equity trading server as described in claim 1, which is also connected to a seller electronic device held by the seller user through the communication network, The server communication module is also connected to the seller's electronic device through the communication network, and is used to receive a use right information to be sold from the seller's electronic device. The use right information to be sold includes a use right to be sold, and a use right to be sold. amount, After receiving the use right data to be sold, the server processing module uses the use right data to be sold as new use right data to be sold. The equity trading server as described in claim 1, wherein the server storage module also stores multiple equity categories, and each to-be-sold use right of the to-be-sold use right data corresponds to one of the equity categories. An equity trading server as described in request item 3, wherein, Before the server processing module receives the purchase request, the server processing module also receives an information from the buyer's electronic device and corresponding to the buyer's user account through the server communication module, and includes a type of rights to be purchased. A matching request for the rights to be purchased, and the type of rights to be purchased is one of these rights categories, The server-side processing module determines whether there is at least one candidate for the right to be sold among all the rights to be sold based on the type of the rights to be purchased in the matching request for the rights to be purchased, and the equity category corresponding to each candidate right to be sold. Same as the type of interest to be purchased, When the server processing module determines that there is at least one candidate use right to be sold, the server processing module uses the server communication module to send at least one use right to be sold corresponding to the at least one candidate use right to be sold. The rights information is sent to the buyer's electronic device, so that the buyer's electronic device returns the purchase request, and the use right to be purchased in the purchase request is one of the at least one candidate use right to be sold. An equity trading server as described in request item 4, wherein, The server storage module also stores a first preset balance, The matching request for the rights to be purchased also includes an amount to be purchased, The absolute difference between the amount to be sold and the amount to be purchased corresponding to each candidate use right to be sold is less than the first preset difference. An equity trading server as described in request item 5, wherein, The server storage module also stores a second preset difference, and the second preset difference is greater than the first preset difference, When the server processing module determines that there is no candidate use right to be sold, the server processing module determines whether there is at least one candidate use right to be sold among all the use rights to be sold, and each candidate use right to be sold is The equity category corresponding to the right is the same as the equity category to be purchased, and the absolute difference between the corresponding amount to be sold and the amount to be purchased is less than the second preset difference, When the server processing module determines that there is at least one candidate use right to be sold, the server processing module uses the server communication module to send at least one use right to be sold corresponding to the at least one candidate use right to be sold. The rights information is sent to the buyer's electronic device, so that the electronic device returns the purchase request, and the use right to be purchased in the purchase request is one of the at least one candidate use right to be sold. The equity trading server as described in claim 1, wherein each use right data to be sold also includes a usable period. The rights transaction server as described in claim 1, wherein each use right to be sold of the use right data includes a bonus reward point right, a card swipe reward point right, a parking reward right, and an airport transfer Any of the feedback benefits.

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