WO2019019520A1

WO2019019520A1 - In rem property crowd-funding transaction system, in rem property crowd-funding transaction method, and computer readable storage medium

Info

Publication number: WO2019019520A1
Application number: PCT/CN2017/114956
Authority: WO
Inventors: 闵界栋; 李中华
Original assignee: 好友邦永利金融信息服务（上海）有限公司
Priority date: 2017-07-27
Filing date: 2017-12-07
Publication date: 2019-01-31
Also published as: CN107767270A

Abstract

An in rem property crowd-funding transaction system, relating to a transaction system apparatus, and in particular to an improvement of an in rem property crowd-funding transaction system. The in rem property crowd-funding transaction system comprises a user centre module, a project module, a recognition module, a matching module, a transfer centre module and a financial payment centre module, wherein the user centre module, the project module, the recognition module, the matching module and the transfer centre module are arranged in parallel, and the financial payment centre module is connected to the parallel user centre module, project module, recognition module, matching module and transfer centre module. With respect to the shortcomings in technology in the existing market, the system mainly provides an in rem property crowd-funding system for aircrafts and medical products and performs effective centralised management on various pieces of data information required for project operation by means of a computer network, improves the order efficiency and customer experience, and improves business management profits and efficiency.

Description

Property rights crowdfunding trading system, property rights crowdfunding trading method and computer readable storage medium

Cross-reference to related applications

This application claims the priority of the Chinese Patent Application No. CN201710626010.X, filed on July 27, 2017, entitled "Real Rights Crowd Trading System", the entire contents of which are incorporated herein by reference. .

Technical field

The invention relates to a transaction system device, in particular to a property rights crowdfunding transaction system, a property rights crowdfrowth transaction method and a computer readable storage medium.

Background technique

Property rights crowdfunding refers to raising funds through the Internet to the public for the acquisition of physical assets, and realizing profits through asset appreciation. The returns can be divided into operating dividends, rent dividends, and future value-added income of property rights.

As a new star in the Internet crowdfunding industry, property rights crowdfunding is stable in security, profitability and liquidity. In addition, in the context of the standardization of Internet finance, property rights crowdfunding has become the object of investors' pursuit with clear property rights, simple procedures, flexible project funds, and clear use of funds. At present, the most popular property rights crowdfunding includes real estate crowdfunding and car crowdfunding.

The existing property rights crowdfunding systems in domestic and international markets basically have no systems for aircraft and medical projects. The property rights crowdfunding system is basically a car-based system, and the projects for crowdfunding are relatively simple.

Summary of the invention

The object of the present invention is to provide a property rights crowdfunding transaction system for the defects and deficiencies of the prior art, which is aimed at the existing market technology shortage, and the system provides a property rights crowdfunding transaction system for aircraft and medical products, using a computer network. Effectively manage all kinds of data information required for project operation, improve order efficiency and customer experience, and improve business efficiency and efficiency.

To achieve the above object, the present invention adopts the following technical solutions:

In a first aspect, an embodiment of the present invention provides a property rights crowdfunding transaction system, which includes a user center module, a project module, a recognition module, a matching module, a transfer center module, a financial payment center module, a user center module, and a project module. The financing module, the matching module and the transfer center module are arranged side by side, and the financial payment center module 6 is connected with the parallel user center module, the project module, the recognition module, the matching module and the transfer center module.

With reference to the first aspect, the embodiment of the present invention provides a first possible implementation manner of the first aspect, where the user center module includes a registration module, a login module, an authentication module, an signing module, a registration module, and a login module. The authentication module and the signing module are set side by side.

With reference to the first aspect, or the first possible implementation manner of the first aspect, the embodiment of the present invention provides the second possible implementation manner of the first aspect, wherein the registration module is configured to receive the user input registration Applying, establishing account information and authority information corresponding to the registration application;

The login module is configured to receive a login application input by a user;

The authentication module is configured to determine whether an account corresponding to the login application is an already registered account, and generate an authentication result;

The authentication module is configured to determine the rights information corresponding to the account when the authentication result indicates that the account corresponding to the login application is an already registered account. With reference to the first aspect and one of the first and second possible implementation manners, the embodiment of the present invention provides a third possible implementation manner of the first aspect, wherein the project module includes a project application module and information verification. The module, the information approval module, the information release module, the application module, the information verification module, the information approval module, and the information release module are arranged side by side.

With reference to the first aspect and one of the first, second and third possible implementation manners, the embodiment of the present invention provides a fourth possible implementation manner of the first aspect, wherein the project application module is configured to be in the The permission information indicates that the user has project application permission information, and receives the project application information of the user;

The information verification module is configured to determine project information corresponding to the project application information according to the project application information, and determine, according to the preset qualification information corresponding to the project information, whether the user has the project publishing qualification, and generate verification result;

The information approval module is configured to: when the verification result indicates that the user has the project publishing qualification, determine whether the project application information meets a preset rule, and generate an approval result;

The information issuance module is configured to: when the approval result indicates that the project application information meets a preset rule, issue project application information corresponding to the project information; and when the approval result indicates that the project application information is not satisfied When the rule is preset, the item application information corresponding to the item information is returned. In conjunction with the first aspect and one of the first, second, third, and fourth possible implementation manners, the embodiment of the present invention provides a fifth possible implementation manner of the first aspect, wherein the The authentication module, the fund verification module, the approval freeze module, the approval supervision module, the qualification authentication module, the fund verification module, the approval freeze module, and the approval supervision module are arranged side by side.

With reference to the first aspect and one of the first, second, third, fourth and fifth possible implementation manners, the embodiment of the present invention provides a sixth possible implementation manner of the first aspect, wherein the qualification authentication module And configured to receive the approval application of the applicant, and determine the project information corresponding to the approval application according to the approval application, obtain the qualification for the project information, and determine whether the application for the approval is satisfied. The qualification qualification corresponding to the item information is generated, and the qualification authentication result is generated; the application for approval includes the item information of the expected approval and the fund information of the approver;

The fund verification module is configured to: when the qualification authentication result indicates that the approver has the qualification for the project information, determine whether the fund information corresponding to the approver meets the item information The fundraising standard, generating the fund verification result;

The captive freeze module is configured to generate a freeze instruction when the crowdfunding project satisfies the freeze rule;

The approval supervision module is configured to generate supervision information according to the approval application, the qualification authentication result, and the fund verification result. Combining the first aspect with one of its first, second, third, fourth, fifth and sixth possible implementations, the present invention The embodiment provides a seventh possible implementation manner of the first aspect, wherein the matching module includes a project review module, a fund transfer module, a fundraising contract module, and a fee generation module, wherein the project review module The fund transfer module, the approval contract module and the fee generation module are arranged side by side.

With reference to the first aspect and one of the first, second, third, fourth, fifth, sixth, and seventh possible implementation manners, the embodiment of the present invention provides an eighth possible implementation manner of the first aspect, wherein the The project review module is configured to obtain the approval qualification result and the fund verification result of the approver, and generate a review result;

The fund transfer module is configured to generate funds when the review result indicates that the approval qualification result of the approver is to meet the recognition criteria, and the fund information of the approver meets the standard of the approval fund Transferring instructions so that the funds of the approver are transferred to a preset account to generate a fund transfer result;

The approval contract module is configured to acquire the project information, the application request information, and the preset contract template when the fund transfer result indicates that the fund of the approver is transferred to the preset account, and generate Financing the contract;

The fee generation module is configured to generate fee information corresponding to the approver according to the subscription contract.

With reference to the first aspect and one of the first to eighth possible implementation manners, the embodiment of the present invention provides the ninth possible implementation manner of the first aspect, wherein the transfer center module includes a dividend distribution module and a transfer module. , wherein the dividend module and the transfer module are arranged side by side.

With reference to the first aspect and one of the first to the nine possible embodiments, the embodiment of the present invention provides the tenth possible implementation manner of the first aspect, wherein the dividend distribution module is configured to receive the dividend instruction Determining the item information and the approver corresponding to the dividend instruction; determining whether the sender of the dividend instruction is a subscriber corresponding to the dividend instruction, and when the sender of the redemption instruction is the dividend instruction When the person is the approver, determining, according to the item information corresponding to the dividend instruction, the dividend corresponding to the dividend instruction, and performing a dividend operation;

The transfer module is configured to: when receiving the transfer instruction, determine project information and the approver corresponding to the transfer instruction, and determine whether the sender of the transfer instruction is a approver corresponding to the transfer instruction, when When the sender of the transfer instruction is the approver of the transfer instruction, the item corresponding to the transfer instruction is determined based on the item information corresponding to the transfer instruction, and the transfer operation is performed.

With reference to the first aspect and one of the first to ten possible implementation manners, the embodiment of the present invention provides an eleventh possible implementation manner of the first aspect, wherein the technical architecture of the property rights crowdsourcing transaction system The open source framework of J2EE is divided into presentation layer, logic layer, service layer and data layer; the core framework includes authentication, permissions, message queue, cache service, and task scheduling.

With reference to the first aspect and one of the first to eleven possible embodiments, the embodiment of the present invention provides the twelfth possible implementation manner of the first aspect, wherein the information of the property rights transaction system The flow is as follows: the first information flow, the pilots purchase aircraft or medical equipment from aircraft manufacturers, other institutions and medical equipment manufacturers, and risk control audit;

The second information flow, the reviewer approves the real property right project after the property right crowdfunding transaction system, the platform reviews the application materials, and publishes the property rights crowdfunding project after the approval;

The third information flow, the approver shares the property rights share of the crowdfunding project issued by the property rights crowd trading system;

The flow of funds is as follows:

The first capital flow, the recognizer recognizes the share of the property rights, and pays the approval fund to the fundraiser through the bank or a third-party payment channel, and raises 30% to 40% of the total amount of the crowdfunding physical object;

The second capital flow, the fundraiser will simultaneously allocate funds through banks, fund companies or other financial institutions to raise the remaining 60% to 70% of the total amount of the crowdfunding physical objects;

The third capital flow, the fundraiser will invest all the funds raised in the real estate, carry out continuous leasing operations, and maintain the profitability of the project;

In the fourth capital flow, the fundraiser will distribute the operating dividend, rent dividend and the value-added income of the property right to the approver.

In a second aspect, the embodiment of the present invention further provides a method for realizing a crowdfunding transaction, and the method for controlling the property crowdfest includes:

Establish an account corresponding to the user;

Publishing the corresponding crowdfunding project according to the project application submitted by the user;

Approving the crowdfunding project corresponding to the application for recognition according to the received application for approval;

According to the received dividend instruction and the transfer instruction, the dividend control and the crowdfunding item corresponding to the transfer instruction are distributed and transferred.

With reference to the second aspect, the embodiment of the present invention provides a first possible implementation manner of the second aspect, where the step of establishing an account corresponding to the user includes:

Receiving a registration application input by the user, and establishing account information and authority information corresponding to the registration application;

Receiving a login application entered by the user;

Determining whether the account corresponding to the login application is an already registered account, and generating an authentication result;

When the authentication result indicates that the account corresponding to the login application is an already registered account, the authority information corresponding to the account is determined.

With reference to the second aspect, or the first possible implementation manner of the second aspect, the embodiment of the present invention provides a second possible implementation manner of the second aspect, wherein, according to the project application submitted by the user, the corresponding The steps of the crowdfunding project include:

Receiving the project application information of the user when the permission information indicates that the user has the project publishing authority;

Determining, according to the project application information, project information corresponding to the project application information, and determining, according to the preset qualification information corresponding to the project information, whether the user has the project publishing qualification, and generating a verification result;

When the verification result indicates that the user has the project publishing qualification, determine whether the project application information meets the preset rule, and generate an approval result;

When the approval result indicates that the project application information meets the preset rule, the project application information corresponding to the project information is released; when the approval result indicates that the project application information does not satisfy the preset rule, the The project application information corresponding to the project information is returned.

With reference to the second aspect and one of the first and second possible implementation manners, the embodiment of the present invention provides a third possible implementation manner of the second aspect, wherein the recognition is based on the received subscription application The steps to apply for the corresponding crowdfunding project for recognition include:

Receiving the application for approval of the applicant, and determining the project information corresponding to the application according to the application for the approval, obtaining the qualification for the project information, and determining whether the application for the approval meets the project information Corresponding recognition qualifications, generating qualification certification results; the approval application includes project information of expected approval and capital information of the approver;

When the qualification authentication result indicates that the approver has the qualification for the project information, it is determined whether the fund information corresponding to the approver meets the fundraising standard corresponding to the project information, and generates funds. Validation results;

A freeze instruction is generated when the crowdfunding project satisfies the freeze rule;

The supervision information is generated according to the approval application, the qualification evaluation result, and the fund verification result.

With reference to the second aspect and one of the first, second and third possible implementation manners, the embodiment of the present invention provides a fourth possible implementation manner of the second aspect, wherein, according to the received application for approval, The steps to identify the crowdfunding project corresponding to the application for recognition include:

Obtaining the result of the accreditation of the accredited person and the result of the fund verification, and generating a review result;

When the result of the review indicates that the result of the accreditation of the approver is that the accreditation criteria are met, and the fund information of the accredited person satisfies the criteria for the accreditation fund, a fund transfer instruction is generated to enable the recognition The fund for the fundraising is transferred to the default account to generate the fund transfer result;

When the fund transfer result indicates that the fund of the approver is transferred to the preset account, the project information, the application for the approval, and the preset contract template are acquired, and the contract for the approval is generated;

According to the approval contract, the fee information corresponding to the recognizer is generated.

With reference to the second aspect and one of the first, second, third, and four possible implementation manners, the embodiment of the present invention provides a fifth possible implementation manner of the second aspect, wherein, according to the received dividend instruction and transfer The instructions for dividends and transfers to the crowdfunding items corresponding to the dividend instruction and the transfer instruction include:

When receiving the dividend instruction, determining the item information corresponding to the dividend instruction and the subscriber; determining whether the sender of the dividend instruction is the subscriber corresponding to the dividend instruction, and when the sender of the redemption instruction is Said When the person corresponding to the red instruction corresponds to the item, the dividend corresponding to the dividend instruction is determined according to the item information corresponding to the dividend instruction, and a dividend operation is performed;

Receiving the transfer instruction, determining the item information and the approver corresponding to the transfer instruction, determining whether the sender of the transfer instruction is the approver corresponding to the transfer instruction, and when the sender of the transfer instruction is When the approver of the transfer instruction is described, the item corresponding to the transfer instruction is determined based on the item information corresponding to the transfer instruction, and the transfer operation is performed.

In a third aspect, an embodiment of the present invention provides a computer readable storage medium, where the readable storage medium stores program code, and the program code includes instructions that can be used to execute the foregoing method.

The technical solution provided by the embodiment of the present invention includes the following beneficial effects:

The user of the invention registers through the terminal, and after logging in the information, the system can check and leave a message on the property right item. If the user has the willingness to recognize the property right item, the user first passes the certification to become a qualified recognizer, and then recharges the fund through the payment module. Finally, we will recognize the property rights project through the recognition of the property rights module. After the completion of the fundraising, the establishment of the Appreciation Committee will supervise the progress of the project in the property rights crowdfunding project, the project operation status and the project dividend status, and ensure that the funds for the property rights crowdfunding project are indeed used to purchase the physical objects corresponding to the project, ensuring the property rights. Crowdfunding projects are safe, transparent and traceable, so that the fundraising and dividends of the fundraiser are effectively guaranteed.

The technical architecture of the present invention can adopt the open source framework of J2EE, and is divided into a presentation layer, a logic layer, a service layer, and a data layer; the core framework includes authentication, permissions, message queue, cache service, task scheduling, and the like.

The property rights crowdfunding trading system is insufficient for the existing market technology. The system can provide a property rights crowdfunding system for aircraft and medical products, and effectively manage various data information required for project operation by using a computer network to improve order efficiency. And customer experience to improve business efficiency and efficiency.

Other features and advantages of the invention will be set forth in the description which follows, and The objectives and other advantages of the invention are realized and attained by the invention particularly pointed in

The above described objects, features, and advantages of the invention will be apparent from the description and appended claims appended claims

DRAWINGS

In order to more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the drawings to be used in the specific embodiments or the description of the prior art will be briefly described below, and obviously, the attached in the following description The drawings are some embodiments of the present invention, and other drawings may be obtained from those of ordinary skill in the art without departing from the scope of the invention.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a schematic block diagram showing the structure of the present invention.

DESCRIPTION OF REFERENCE NUMERALS: user center module 1, project module 2, recognition module 3, coupling module 4, transfer center module Block 5, financial payment center module 6, registration module 11, login module 12, authentication module 13, authentication module 14, project application module 21, information verification module 22, information approval module 23, information release module 24, qualification authentication module 31. The fund verification module 32, the approval freeze module 33, the approval supervision module 34, the project review module 41, the fund transfer module 42, the approval contract module 43, the fee generation module 44, the dividend module 51, and the transfer module 52.

Detailed ways

Referring to FIG. 1 , the technical solution adopted by the specific embodiment is: the property right crowdfunding transaction system includes a user center module 1, a project module 2, a recognition module 3, a matching module 4, a transfer center module 5, and a financial payment center module. 6, the user center module 1, the project module 2, the recognition module 3, the matching module 4 and the transfer center module 5 are arranged side by side, the financial payment center module 6 and the parallel user center module 1, the project module 2, the recognition module 3, the combination The module 4 is connected to the transfer center module 5.

The property crowdfunding transaction system can be arranged on one or more servers, and the user can establish a communication connection with the server through a computer terminal or a mobile terminal or other electronic device to perform a property crowdfunding operation. Crowdfunding, according to the definition of the Encyclopedia of Encyclopedia, the earliest concept of crowdfunding originated in the 18th century. The broad definition is that individuals can raise funds for a project or cause with uncertain risks through the contribution of each individual. .

In the embodiment of the present application, the property right refers to the right of the right holder to directly control and exclusive rights to a specific object, including ownership and other property rights.

The lead person may jointly lead or lead the approver to purchase the crowdfunding real property or property rights share and accept the natural person, legal person, unincorporated organization or group entrusted to operate the physical object.

The recognizer may be a domestic or foreign natural person, legal person, unincorporated organization or group that has been registered on the modern property crowdfunding platform and intends to invest in the purchase of real estate property rights or property rights shares.

The natural person, legal person, unincorporated organization or group that the crowdfunding person can participate in the crowdfunding of the right is generally the subject of certain funds or idle funds or pursuing the value-added income of the assets.

The property right share or the physical share or share may be the value unit after the physical value of the market negotiated purchase price at the time of physical purchase, and the total value of the physical value of the (unit) is split.

The share of the share may be the amount of the property right or the physical share in the fundraising project. The total share of the recognition can refer to the total share of the recognizable period. The appropriation fund can be used by the approver to purchase the physical or physical share of the property rights crowdfunding. The total subscription price can be a full appropriation for a certain approver to recognize the full share of the shareholding project of a certain period of property rights. The time limit for the approval can be the start and end period for the approver to recognize the total share of the recognition period. The term of the transfer restriction may be the shortest period in which the approver may not ask the funder to purchase the share of the share. Generally, when the term expires, the sharer purchases the full share of the recognizer's share at the total purchase price. The user center module 1 includes a registration module 11, a login module 12, an authentication module 13, and an authentication module 14, wherein the registration module 11, the login module 12, the authentication module 13, and the authentication module 14 are arranged side by side.

The registration module 11 is configured to receive a registration application input by the user, and establish account information and authority information corresponding to the registration application. The user may first establish a communication connection with the property right crowdfunding transaction system, provide corresponding personal information according to the registration requirement, and submit a registration application to the property rights crowdfunding transaction system, and when the personal information in the submitted registration application satisfies the registration requirement, The right crowdfunding transaction system can establish an account corresponding to the user and determine the authority information of the user. The rights information may include the number of rights of the property rights crowdfunding project that the user can receive, the rights of the property rights crowdfunding project that the user can participate in, and the priority level of the user when raising the property rights crowdfunding project. Different users can log in through the property rights crowdsourcing trading system and log in to the corresponding account. The server can display different numbers of property rights crowdfunding projects according to the user's permission information, and users with higher authority can obtain more quantities. The display of property rights crowdfunding projects. Different users can have different rights to participate in different property rights crowdfunding projects, and users with higher authority can participate in property rights crowdfunding projects with higher requirements. Users with different rights can have different priority levels when recruiting projects. In the process of raising the same property crowdfunding project, the application submitted by users with higher authority can be processed faster. . In the process of recognizing the same property rights crowdfunding project, when multiple users who meet the criteria for accreditation are simultaneously recruited, the application for approval of the user with higher authority is accepted with a higher probability.

The login module 12 is configured to receive a login request entered by a user. The user can log in to the property rights crowdfunding transaction system by operating a computer terminal, a mobile terminal or other electronic device, and the login module can receive the login application input by the user through the electronic device.

The authentication module 13 is configured to determine whether an account corresponding to the login application is an already registered account, and generate an authentication result. The authentication module can determine the login application and determine whether the account corresponding to the login application has been previously registered in the property rights transaction system. If the account corresponding to the login application is an already registered account, and the login information included in the login application submitted by the user is correct, the user can log in to the corresponding account.

The authentication module 14 is configured to determine the rights information corresponding to the account when the authentication result indicates that the account corresponding to the login application is an already registered account. Since the user's permission information may change at any time, the authentication module may determine the current authority information of the user's account after the user logs in successfully.

The project module 2 includes a project application module 21, an information verification module 22, an information approval module 23, and an information distribution module 24, wherein the application module 21, the information verification module 22, the information approval module 23, and the information distribution module 24 are juxtaposed. Settings.

Users can build and publish property rights crowdfunding projects through project module 2. When the user's permission information meets the project release standard, the user can publish the crowdfunding project through the property rights crowdfunding transaction system. In detail, the user can submit information such as the company name, crowdfunding amount, crowdfunding cycle, contacts, and contact information for the crowdfunding project. The property rights crowdfunding trading system can review the relevant information of the crowdfunding project submitted by the user, and can request the user to submit the deposit and related credit information. The information about the crowdfunding project submitted by the user may also include related business licenses, licenses, intellectual property certificates, honor certificates, etc. The embodiments of the present application do not limit the information about the crowdfunding projects submitted by the user. Specific category.

The project application module 21 is configured to receive the project application information of the user when the authority information indicates that the user has the project publishing authority. When the user has the project publishing authority, the property right transaction system can summarize and save the project application information submitted by the user. The user who proposes the crowdfunding project can be the leader of the crowdfunding project.

The information verification module 22 is configured to determine project information corresponding to the project application information according to the project application information, and determine, according to the qualification information corresponding to the project information, whether the user has the project publishing qualification, and generate the verification result. .

The information approval module 23 is configured to, when the verification result indicates that the user has the project publishing qualification, determine whether the project application information satisfies a preset rule, and generate an approval result. The property rights crowdfunding trading system can compare the project application information submitted by the user with the preset rules. Different crowdfunding projects can correspond to different preset rules. For example, the company information submitted by the sponsor should be registered for 2 years. The sponsors shall have no overdue performance records for three consecutive years, and have not been punished by the relevant authorities for three consecutive years, and have not been listed by the credit reporting agencies on the list of untrustworthy persons. The fundraiser's audited net assets for the previous year shall not be less than RMB 20 million or equivalent currency. The fund-raiser should be able to pay the platform a guarantee of more than 10% of the total value of the real-estate assets of the crowdfunding assets, as a guarantee for the (pre-) dividends to the promoters before the proceeds or profits of the crowdfunding project. The deposit will be paid to the account approved or supervised by the platform within 15 working days before the crowdfunding. The fundraiser should be the main body of production, sales, leasing, and operation. The expected rate of return on physical operations that the fundraiser intends to raise should exceed 30% of the expected dividend rate. The fundraiser should have the ability to manage, manage and risk prevention of the crowdfunding, and have the legal place, funds and personnel to operate and manage all the proposed crowdfunding. The physical or share of the fundraiser proposed by the fundraiser should be legal and compliant, not prohibited or restricted by the host country or region, and should also comply with all other provisions of the property rights trading system. The lead person should have the ability to bear any loss caused by the failure of a certain percentage of property rights crowdfunding projects.

The information issuance module 24 is configured to: when the approval result indicates that the project application information meets a preset rule, issue project application information corresponding to the project information; when the approval result indicates that the project application information is not When the preset rule is satisfied, the project application information corresponding to the item information is returned.

After the property right transaction system has approved the project application information submitted by the user and approved the approval, the crowdfunding project submitted by the user can be released through the property rights crowdfunding trading system. Other users can learn about the crowdfunding project through the property rights crowdfunding trading system, and can carry out the fundraising operation.

The approval module 3 includes a qualification authentication module 31, a fund verification module 32, a recognition freeze module 33, a recognition supervision module 34, a qualification authentication module 31, a fund verification module 32, a recognition freeze module 33, and a recognition process. The supervision module 34 is arranged side by side.

The user can recognize the crowdfunding project through the recognition module 3, and the user who successfully recognizes a crowdfunding project can be the approver of the crowdfunding project.

The qualification authentication module 31 is configured to receive a subscription application of the user, and determine project information corresponding to the approval application according to the approval application, obtain the qualification for the project information, and determine the recognition Whether the application for the application satisfies the qualification qualification corresponding to the project information, and generates a qualification authentication result. The approval application includes project information that is expected to be approved and information about the funds of the user. The application for approval may also include information such as the share of the approval. A crowdfunding project may determine the total share of the project by the fundraiser before the project is released. Different crowdfunding projects may be configured with different share of the share. The product of the number of approved shares and the amount of each share allocation is the total approved amount of the crowdfunding project. When applying for the application, the user can determine the specific items that need to be approved, the share that needs to be approved according to the actual needs, and the property rights trading system can determine the user's approval based on the application submitted by the user. Whether the project can be used for recognition. For example, the property rights crowdfunding trading system can determine whether the approval period of the crowdfunding project is due and the remaining amount of the share is recognized.

The fund verification module 32 is configured to determine, when the qualification authentication result indicates that the approver has the qualification for the project information, whether the fund information corresponding to the approver meets the project information The corresponding fundraising standard is used to generate the fund verification result.

When users apply for the application, they need to provide funds that meet the criteria for the approved funds in order to successfully recognize the funds. The property rights crowdfunding trading system can push all the information of the project to be approved to the electronic terminal used by the user for display, and the user can select the crowdfunding project to be approved for the application on the electronic terminal. The information of the crowdfunding project displayed on the electronic terminal may include the name of the crowdfunding project, relevant information of the sponsor, the share to be recognized, the current progress of the fundraising, the current state of the fundraising, and the like. Different crowdfunding projects have different criteria for raising funds. Users can directly transfer funds through third-party payment institutions, or they can use the property rights crowdfunding trading system by recharging in the property rights trading system. The recharge balance in the transfer of the funds. Understandably, the property rights crowdfunding trading system can also provide different subscription discounts for different users, and can also calculate the expected dividend amount based on the user's estimated share of the subscription, so that users can understand the dividends that can be obtained after the recognition. Amount.

The captive freeze module 33 is configured to generate a freeze command when the crowdfunding project satisfies the freeze rule. The property rights crowdfunding trading system can freeze the crowdfunding project that satisfies the freezing rules. For example, when each property crowdfunding project is in the project crowdfunding, a certain proportion of the fundraising amount can be pre-existed in the property rights crowdfunding trading system. In the event that the freeze rules are met when the crowdfunding project fails to meet or other risks, a certain percentage of the amount of the reserve funds remaining in the property rights trading system can be frozen according to the freeze order. The relevant fundraiser of the crowdfunding project can obtain the corresponding compensation according to the appeal application and guarantee the interests of the approver.

The approval supervision module 34 is configured to generate supervision information according to the approval application, the qualification authentication result, and the fund verification result. In addition, after a crowdfunding project completes crowdfunding, the fundraiser can use at least a portion of the approved amount for the implementation of the crowdfunding project. During the project implementation, the fundraiser can submit the project implementation to the property rights crowdfunding trading system. The progress information can also be supervised by the approval supervision module. In addition, it can also pass The property rights crowdfunding trading system supervises the flow of funds in the project implementation process.

The matching module 4 includes a project review module 41, a fund transfer module 42, a fundraising contract module 43, and a fee generation module 44, wherein the project review module 41, the fund transfer module 42, the approval contract module 43 and The fee generation module 44 is arranged in parallel.

The project review module 41 is configured to obtain the qualification authentication result and the fund verification result of the approver, and generate a review result. Before the transfer of funds, it is necessary to review the user's application for approval, etc., in order to ensure the correct transfer of funds. If the result of the qualification authentication indicates that the application submitted by the user meets the qualification for the crowdfunding project, and the fund information corresponding to the user meets the fundraising standard of the crowdfunding project, a review result indicating that the user can perform the recognition is generated.

The fund transfer module 52 is configured to generate funds when the review result indicates that the qualification authentication of the approver is to meet the approval criteria, and the fund information of the approver meets the criteria for the approval fund The transfer instruction is executed so that the funds of the approver are transferred to the preset account, and the fund transfer result is generated. When the fund subsystem of the third-party payment institution or the property rights transaction system receives the fund transfer instruction, the funds can be transferred to the default account. In the process of transferring funds, the property rights crowdfunding trading system can also require users to provide information such as transaction passwords, and encrypt the transaction passwords and other information to ensure that the transaction information will not be leaked. In the process of transferring funds, funds such as fundraising for project crowdfunding and trading commissions can be transferred. After receiving the transfer information of the funds returned by the third-party payment institution, the property right transaction system can determine whether the funds have been transferred to the default account and generate the fund transfer result.

The approval contract module 43 is configured to acquire the project information, the application for approval, and the preset contract template when the fund transfer result indicates that the fund of the approver is transferred to the preset account. Generate a fundraising contract. The recognition contract can be used to generate the approval contract. The approval contract can list the identity information of the approver, the relevant information of the crowdfunding project participating in the crowdfunding, and the transfer information of the fund. In the process of generating the contract, the electronic signature of the approver, the electronic signature of the sponsor and the electronic signature of the property rights trading system can be loaded to ensure the legal effect of the contract.

The fee generation module 44 is configured to confirm the fee information corresponding to the approval application according to the approval contract. Through the cost generation module, the various expenses incurred by the approver in the project approval process can be calculated and displayed in the approval contract. The approver can confirm the amount of the fundraising, trading commission and other information generated by the approved project through the approval contract.

The transfer center module 5 includes a dividend module 51 and a transfer module 52, and the dividend module 51 and the transfer module 52 are arranged side by side.

The dividend module 51 is configured to: when receiving the dividend instruction, determine the item information and the approver corresponding to the dividend instruction; determine whether the sender of the dividend instruction is the approver corresponding to the dividend instruction, When the sender of the redemption command is the approver corresponding to the dividend instruction, the dividend corresponding to the dividend instruction is determined according to the item information corresponding to the dividend instruction, and a dividend operation is performed.

A crowdfunding project can make dividends at a preset time according to the preset dividend rules when making dividends. The funds involved in the dividend can be transferred to the dividends of each of the subscribers through the third-party payment institution. Account. The property rights crowdfunding trading system can also perform the dividend operation according to the dividends of the approver. When the approver does not perform the dividend operation, the dividend funds generated by the crowdfunding project can be pre-existed in the fund account of the property rights trading system. After the approver has carried out the dividend operation through the property rights crowdfunding trading system, the dividend fund satisfying the dividend rule can be transferred from the fund account of the property rights crowdfunding trading system to the account designated by the user to complete the dividend operation.

The transfer module 52 is configured to: when receiving the transfer instruction, determine the item information and the approver corresponding to the transfer instruction, and determine whether the sender of the transfer instruction is the approver corresponding to the transfer instruction, When the sender of the transfer instruction is the approver of the transfer instruction, the item corresponding to the transfer instruction is determined based on the item information corresponding to the transfer instruction, and the transfer operation is performed.

The share of the crowdfunding project approved by the approver can be transferred. The property rights crowdfunding trading system can set a limit transfer period for each crowdfunding project. The user does not have the right to ask the lead person to force the purchase confirmation within the limit transfer period. To raise the share of the recognition of the person, the approver cannot withdraw from the crowdfunding project within the time limit for the transfer. After the expiration of the restricted transfer period of the crowdfunding project, the approver can ask the lead person to purchase the approved share of the fundraising and withdraw from the crowdfunding project.

The flow of information in this embodiment is as follows:

The first information flow, the pilots purchase aircraft or medical equipment from aircraft manufacturers or medical equipment manufacturers, and risk control audits;

In the third information flow, the approver approves the property rights share of the crowdfunding project released by the property rights crowdfunding trading system.

The flow of funds is as follows:

The second capital flow, the fundraiser also through the financial institutions to allocate funds, raising the remaining 60% to 70% of the total amount of the crowdfunding physical;

In the third capital flow, the fundraiser will invest (purchase) all physical assets raised by the fundraiser, carry out continuous leasing operations, and maintain project profitability;

After adopting the above technical solution, the beneficial effects of the present invention include: it is insufficient for the existing market technology, and the system can provide a property rights crowdfunding system for aircraft and medical products, and effectively manage various data required for project operation by using a computer network. Information, improve order efficiency and customer experience, and improve business efficiency and efficiency.

This embodiment has the following advantages:

1, users can choose simple registration online, you can see the information of the property rights crowdfunding project in the terminal and make comments to facilitate user interaction;

2, the user's registration, login, browsing information, the system automatically saves, through the analysis can model the user information;

3, the user sees the appropriate crowdfunding project, can directly replenish the project after online recharge, and improve the user's payment efficiency;

4, the property rights crowdfunding project is successful, automatically generate electronic contracts and electronic signatures, with legal effects, high order efficiency;

5. Set up a committee to supervise the progress of the project, the operation status of the project and the dividend distribution of the project in the property rights crowdfunding project to ensure the safety and dividends of the funds.

The embodiment of the present application further provides a property rights crowdsourcing transaction method, and the property rights crowdsourcing transaction method includes:

Establish an account corresponding to the user;

In a specific implementation, the step of establishing an account corresponding to the user includes:

Receiving a login application entered by the user;

When the authentication result indicates that the account corresponding to the login application is an already registered account, the authority information corresponding to the account is determined. For details, refer to the description of the above user center module.

In a specific implementation, according to the project application submitted by the user, the step of publishing the corresponding crowdfunding project includes:

When the approval result indicates that the project application information meets the preset rule, the project application information corresponding to the project information is released; when the approval result indicates that the project application information does not satisfy the preset rule, the The project application information corresponding to the project information is returned. For details, refer to the description of the above project module.

In a specific implementation manner, the step of recognizing the crowdfunding project corresponding to the approval application according to the received approval application includes: receiving the applicant's application for the approval, and applying according to the application Determining the project information corresponding to the approval application, obtaining the qualification qualification corresponding to the project information, determining whether the approval application satisfies the qualification qualification corresponding to the project information, and generating a qualification authentication result; The application includes information on the project that is expected to be approved and the fund information of the approver;

The supervision information is generated according to the approval application, the qualification evaluation result, and the fund verification result. For details, refer to the description of the above-mentioned recognition module.

In a specific implementation manner, the step of recognizing the crowdfunding project corresponding to the approval application according to the received approval application further includes:

According to the approval contract, the fee information corresponding to the recognizer is generated. For details, refer to the description of the above-mentioned coupling module.

In a specific implementation manner, according to the received dividend instruction and the transfer instruction, the steps of performing dividend distribution and transfer on the crowdfunding item corresponding to the dividend instruction and the transfer instruction include:

Receiving the transfer instruction, determining the item information and the approver corresponding to the transfer instruction, determining whether the sender of the transfer instruction is the approver corresponding to the transfer instruction, and when the sender of the transfer instruction is When the approver of the transfer instruction is described, the item corresponding to the transfer instruction is determined based on the item information corresponding to the transfer instruction, and the transfer operation is performed. For details, refer to the description of the transfer center module described above.

The embodiment of the present application further provides a computer readable storage medium storing program code, the program code including instructions applicable to the above method.

The above description is only for explaining the technical solutions of the present invention, and the other modifications and equivalents of the technical solutions of the present invention should be made by those skilled in the art without departing from the spirit and scope of the technical solutions of the present invention. It is intended to be included within the scope of the appended claims.

Industrial applicability

The property right crowdfunding transaction system provided by the embodiment of the invention utilizes a computer network to effectively manage various data information required for project operation, thereby improving order efficiency and customer experience, and improving business operation efficiency and efficiency.

Claims

The property right crowdfunding trading system is characterized in that it comprises a user center module (1), a project module (2), a recognition module (3), a matching module (4), a transfer center module (5), and a financial payment center module. (6), user center module (1), project module (2), recognition module (3), matching module (4) and transfer center module (5) are arranged side by side, financial payment center module (6) and side-by-side users The central module (1), the project module (2), the recognition module (3), the coupling module (4) and the transfer center module (5) are connected.
The property right crowdsourcing transaction system according to claim 1, characterized in that: the user center module (1) comprises a registration module (11), a login module (12), an authentication module (13), and an authentication module ( 14), wherein the registration module (11), the login module (12), the authentication module (13), and the authentication module (14) are arranged side by side.
The property rights crowdfunding transaction system of claim 2, wherein:

The registration module (11) is configured to receive a registration application input by a user, and establish account information and authority information corresponding to the registration application;

The login module (12) is configured to receive a login application input by a user;

The authentication module (13) is configured to determine whether an account corresponding to the login application is an already registered account, and generate an authentication result;

The authentication module (14) is configured to determine the rights information corresponding to the account when the authentication result indicates that the account corresponding to the login application is an already registered account.
The property right crowd trading system according to any one of claims 1 to 3, characterized in that the project module (2) comprises a project application module (21), an information verification module (22), and an information approval module ( 23) The information distribution module (24), wherein the application module (21), the information verification module (22), the information approval module (23), and the information distribution module (24) are arranged side by side.
The property rights crowdfunding trading system according to claim 4, characterized in that:

The project application module (21) is configured to receive project application information of the user when the rights information indicates that the user has a project publishing authority;

The information verification module (22) is configured to determine project information corresponding to the project application information according to the project application information, and determine, according to the preset qualification information corresponding to the project information, whether the user has the project publishing qualification , generating verification results;

The information approval module (23) is configured to: when the verification result indicates that the user has the project publishing qualification, determine whether the project application information meets a preset rule, and generate an approval result;

The information issuance module (24) is configured to: when the approval result indicates that the project application information meets a preset rule, issue project application information corresponding to the project information; when the approval result indicates the project When the application information does not satisfy the preset rule, the project application information corresponding to the item information is returned.
The property right crowdfrowth transaction system according to any one of claims 1 to 5, characterized in that: the approval module (3) comprises a qualification authentication module (31), a fund verification module (32), and a fundraising The freeze module (33), the approval supervision module (34), the qualification authentication module (31), the fund verification module (32), the approval freeze module (33), and the approval supervision module (34) are arranged side by side.
The property rights crowdfunding transaction system of claim 6 wherein:

The qualification authentication module (31) is configured to receive the approval application of the applicant, and determine the project information corresponding to the approval application according to the approval application, and obtain the qualification for the project information, Determining whether the approval application satisfies the qualification qualification corresponding to the item information, and generating a qualification authentication result; the approval application includes the project information of the expected approval and the fund information of the approver;

The fund verification module (32) is configured to: when the qualification authentication result indicates that the approver has the qualification for the project information, determine whether the fund information corresponding to the approver meets the The fundraising standard corresponding to the project information, and the fund verification result is generated;

The acknowledgement freeze module (33) is configured to generate a freeze instruction when the crowdfunding project satisfies the freeze rule;

The approval supervision module (34) is configured to generate supervision information according to the approval application, the qualification authentication result, and the fund verification result.
The property right crowdfrowth transaction system according to any one of claims 1 to 7, characterized in that the matching module (4) comprises a project review module (41), a fund transfer module (42), and a fund-raising contract. The module (43), the fee generation module (44), the project review module (41), the fund transfer module (42), the approval contract module (43), and the fee generation module (44) are arranged side by side.
The property rights crowdfunding transaction system of claim 8 wherein:

The project review module (41) is configured to obtain the approval qualification result and the fund verification result of the approver, and generate a review result;

The fund transfer module (42) is configured to, when the review result indicates that the approval qualification result of the approver is meeting the recognition criteria, and the fund information of the approver meets the standard of the approved funds , generating a fund transfer instruction, so that the funds of the approver are transferred to a preset account, and a fund transfer result is generated;

The approval contract module (43) is configured to acquire the project information, the application for approval, and the default contract when the fund transfer result indicates that the fund of the approver is transferred to the preset account. Template, generate a contract for approval;

The fee generation module (44) is configured to generate fee information corresponding to the approver according to the subscription contract.
A property right transaction system according to any one of claims 1 to 9, characterized in that: The transfer center module (5) includes a dividend module (51) and a transfer module (52), wherein the dividend module (51) and the transfer module (52) are arranged side by side.
The property right transaction system according to claim 10, characterized in that:

The dividend module (51) is configured to: when receiving the dividend instruction, determine the item information and the approver corresponding to the dividend instruction; and determine whether the sender of the dividend instruction is the approver corresponding to the dividend instruction, When the sender of the redemption instruction is the approver corresponding to the dividend instruction, determining, according to the item information corresponding to the dividend instruction, the dividend corresponding to the dividend instruction, and performing a dividend operation;

The transfer module (52) is configured to: when receiving the transfer instruction, determine the item information and the approver corresponding to the transfer instruction, and determine whether the sender of the transfer instruction is the approver corresponding to the transfer instruction, When the sender of the transfer instruction is the approver of the transfer instruction, the item corresponding to the transfer instruction is determined according to the item information corresponding to the transfer instruction, and the transfer operation is performed.
The property right crowdfrowth transaction system according to any one of claims 1 to 11, wherein the technical framework of the property rights crowdsourcing transaction system adopts an open source framework of J2EE, and is divided into a presentation layer, a logic layer, and a service layer. The data layer; the core framework includes authentication, permissions, message queues, cache services, and task scheduling.
The property right transaction system according to any one of claims 1 to 12, characterized in that the information flow of the property rights transaction system is as follows:

In the first information flow, the sponsor purchases a civil aviation aircraft or medical equipment from an aircraft manufacturer or a medical equipment manufacturer for risk control review;

The second information flow, the reviewer approves the real property right project after the property right crowdfunding transaction system, the platform reviews the application materials, and publishes the property rights crowdfunding project after the approval;

The third information flow, the approver shares the property rights share of the crowdfunding project issued by the property rights crowd trading system;

The flow of funds is as follows:

The first capital flow, the recognizer recognizes the share of the property rights, and pays the approval fund to the fundraiser through the bank or a third-party payment channel, and raises 30% to 40% of the total amount of the crowdfunding physical object;

The second capital flow, the fundraiser will simultaneously allocate funds through financial institutions, and raise the remaining 60% to 70% of the total amount of the crowdfunding physical objects;

The third capital flow, the fundraiser will invest all the funds raised in the real estate, carry out continuous leasing operations, and maintain the profitability of the project;

In the fourth capital flow, the fundraiser will distribute the operating dividend, rent dividend and the value-added income of the property right to the approver.
A property rights crowdfunding transaction method, characterized in that: the property rights crowdfunding transaction method comprises:

Establish an account corresponding to the user;

Publishing the corresponding crowdfunding project according to the project application submitted by the user;

Approving the crowdfunding project corresponding to the application for recognition according to the received application for approval;

According to the received dividend instruction and the transfer instruction, the dividend control and the crowdfunding item corresponding to the transfer instruction are distributed and transferred.
The method of claim financing according to claim 14, wherein the step of establishing an account corresponding to the user comprises:

Receiving a registration application input by the user, and establishing account information and authority information corresponding to the registration application;

Receiving a login application entered by the user;

Determining whether the account corresponding to the login application is an already registered account, and generating an authentication result;

When the authentication result indicates that the account corresponding to the login application is an already registered account, the authority information corresponding to the account is determined.
The method for managing a property rights crowdfunding according to any one of claims 14 or 15, wherein the step of issuing a corresponding crowdfunding project according to the project application submitted by the user comprises:

Receiving the project application information of the user when the permission information indicates that the user has the project publishing authority;

Determining, according to the project application information, project information corresponding to the project application information, and determining, according to the preset qualification information corresponding to the project information, whether the user has the project publishing qualification, and generating a verification result;

When the verification result indicates that the user has the project publishing qualification, determine whether the project application information meets the preset rule, and generate an approval result;

When the approval result indicates that the project application information meets the preset rule, the project application information corresponding to the project information is released; when the approval result indicates that the project application information does not satisfy the preset rule, the The project application information corresponding to the project information is returned.
The method for realizing a crowdfunding transaction according to any one of claims 14 to 16, wherein the step of recognizing the crowdfunding project corresponding to the approval application according to the received approval application comprises:

Receiving the application for approval of the applicant, and determining the project information corresponding to the application according to the application for the approval, obtaining the qualification for the project information, and determining whether the application for the approval meets the project information Corresponding recognition qualifications, generating qualification certification results; the approval application includes project information of expected approval and capital information of the approver;

When the qualification authentication result indicates that the approver has the qualification for the project information, it is determined whether the fund information corresponding to the approver meets the fundraising standard corresponding to the project information, and generates funds. Validation results;

A freeze instruction is generated when the crowdfunding project satisfies the freeze rule;

The supervision information is generated according to the approval application, the qualification evaluation result, and the fund verification result.
The method for realizing a crowdfunding transaction according to any one of claims 14 to 17, wherein the step of recognizing the crowdfunding project corresponding to the approval application according to the received approval application further comprises:

Obtaining the result of the accreditation of the accredited person and the result of the fund verification, and generating a review result;

When the result of the review indicates that the result of the accreditation of the approver is that the accreditation criteria are met, and the fund information of the accredited person satisfies the criteria for the accreditation fund, a fund transfer instruction is generated to enable the recognition The fund for the fundraising is transferred to the default account to generate the fund transfer result;

When the fund transfer result indicates that the fund of the approver is transferred to the preset account, the project information, the application for the approval, and the preset contract template are acquired, and the contract for the approval is generated;

According to the approval contract, the fee information corresponding to the recognizer is generated.
The property right crowdfrowth transaction method according to any one of claims 14 to 18, characterized in that: according to the received dividend instruction and the transfer instruction, dividends and transfers are made to the crowdfunding items corresponding to the dividend instruction and the transfer instruction. The steps include:

When receiving the dividend instruction, determining the item information corresponding to the dividend instruction and the subscriber; determining whether the sender of the dividend instruction is the subscriber corresponding to the dividend instruction, and when the sender of the redemption instruction is And when the person corresponding to the dividend instruction corresponds to the item, the dividend corresponding to the dividend instruction is determined according to the item information corresponding to the dividend instruction, and the dividend operation is performed;

Receiving the transfer instruction, determining the item information and the approver corresponding to the transfer instruction, determining whether the sender of the transfer instruction is the approver corresponding to the transfer instruction, and when the sender of the transfer instruction is When the approver of the transfer instruction is described, the item corresponding to the transfer instruction is determined based on the item information corresponding to the transfer instruction, and the transfer operation is performed.
A computer readable storage medium, wherein the computer readable storage medium stores program code, the program code comprising instructions operable to perform the method of any one of claims 14 to 19.