CN1371071A - Automated financing management system - Google Patents

Abstract

The invention relates to an automatic financing management system, which integrates financers and borrowers into a whole and organizes traders into a group to form a financing trading group similar to a membership system, financing trading in the group can be carried out in a network communication mode, the financing trading group has limits of number of people, amount of money and period, and a plurality of financing trading groups are integrated in a trading system.

Description

Automated financing management system

The invention relates to an automatic financing management system, in particular to a device and method for automatic financing management through a communication network.

Today, when network communication is widely used, the establishment of electronic finance or network finance has attracted great attention. Among the various electronic financial or network financial applications currently visible, there may be two main developments:

The first is through the electronicization of payment tools, and the transfer of funds between banks and customers is carried out through automated network communication technology. The method is that after the bank customer's credit review is passed, the bank can provide the customer with the possibility to request financing at any time within the scope of the credit line, and after agreeing to the financing, the required funds will be allocated through the electronic transaction system. The customer repays the loan mainly by using the electronic trading system. Thanks to the help of the computer communication network, the calculation of various rates is extremely accurate, and many unnecessary labors are avoided. However, although the above method can conduct most of the transactions between the bank and the customer through the communication network, the process of conducting transactions is not different from the process of conducting transactions without using the communication network. Furthermore, the bank still cannot take advantage of the convenience of network communication when conducting credit investigations. In this regard, network communication does not provide any additional functionality. The bigger problem is that the bank has no way of knowing who has financing needs among the vast number of network communication users, and needs to conduct credit checks in advance. Therefore, under most e-commerce that needs to use members as transaction objects, it is actually difficult to carry out capital transactions. Furthermore, the traditional bank financing business only involves two parties, and there are not many transactions that must be conducted through advanced network communication systems. In other words, in the existing technology, even if advanced network communication equipment is introduced into the bank's financing system, the practice of traditional banks has not been changed, and the convenience provided by network communication technology has not been utilized.

In addition, in this transaction mode, the cost paid by general financing customers is determined by the bankers one-sidedly, which makes the banking business rigid.

Another kind of financial activity carried out through network communication is fund dispatching intermediary business. Through the infinite extension of the Internet, a demand for funds can be sent to an infinite number of people. Similarly, a person who has funds to lend can also solicit borrowers from countless people through the Internet. Taking advantage of the above-mentioned characteristics, it becomes a possible idea to conduct fund intermediary business on the Internet to collect handling fees or commissions. However, because of the infinite extension of the Internet, neither the borrower nor the lender knows who the other party is, and cannot conduct credit investigations. There is no guarantee for either party. As mentioned earlier, most of the e-commerce on the Internet needs to form a membership system. That is to say, someone needs to investigate and authenticate the participants who join the club before formally conducting e-commerce transactions. In this regard, although it is feasible to conduct credit investigations on members through a membership system, it will lose the proper characteristics of the Internet and can only focus on a small number of people for financing intermediaries. If the number of members is too large, it means that there is no membership limit, and the problem returns to the original point. Of course, this approach cannot meet the needs of electronic financing.

Therefore, there is an urgent need for an automated financing management system that can automate most of the financing transactions through network communication technology.

At the same time, there is also a need for an automated financing management system that can break the barriers of e-commerce that can only be traded among members, expand the trading objects to most Internet users, and maintain the function of trading among members.

At the same time, there is also a need for an automated financing management system, in which the rate of capital financing can be determined by the parties to the transaction.

The purpose of the present invention is to provide an automatic financing management system, which can automate most of the financing transactions through network communication technology.

The purpose of the present invention is also to provide an automatic financing management system, which can break the barriers of e-commerce that can only be traded among members, expand the transaction objects to most Internet users, but can maintain transactions among members function.

The purpose of the present invention is also to provide an automatic financing management system, wherein the rate of capital financing can be determined by the parties involved in the transaction.

The purpose of the present invention is achieved in this way: according to the automatic financing management system of the present invention, a financing transaction group similar to membership is formed by integrating the financing provider and the borrower, and grouping the traders . Financing transactions within the group can be conducted through network communication. The financing transaction group has restrictions on the number of people, amount and period. By integrating multiple financing transaction groups into a transaction system, the automatic financing management system of the present invention can form an automated financing transaction system.

The beneficial effects of the present invention are obvious. In the system of the present invention, since the members are divided into groups to carry out regular transactions, the above-mentioned problem that network transactions are difficult to realize can be solved. When the number of members reaches a certain level, and the financing group also reaches a certain number, the advantages of the Internet can be used in the system of the present invention to carry out a large number of financing transactions without the risk of electronic transactions.

The invention provides a novel financing transaction mode. Among them, those who have the ability to provide financing can predict when someone needs financing; and financiers can also predict when they can obtain financing. In the transaction mode of the present invention, the cost of financing is determined through competitive bidding, which is no longer limited to the static interest determination method of traditional banks, which makes financial transactions more active.

Utilizing the system of the present invention, even if a huge amount of funds is accumulated, the funds can still be dynamically and effectively used at any time, and the circulation of funds can be accelerated.

The present invention utilizes the member transaction mode, so that both the financing provider and the user are protected, so that financial transactions with extremely high security requirements can be carried out in the virtual network.

The above and other objects and advantages of the present invention can be more clearly understood by the following detailed description and with reference to the following drawings:

Fig. 1 shows the structural diagram of the automated financing management system to which the present invention is applied.

Description of component symbols:

10 Communication Network 11A 1st Financing Group

11B No. 2 Financing Group 12 Automated Financing Management System

121 Communication interface 122 Financing activity database

122A 122B Financing Group Activities Database

123 member database 124 financing group management module

1241 Enrollment mode 1242 Establishment mode

1243 credit investigation 1244 transaction mode

125 member management 126 money management

The composition, function and application of the automatic financing management system of the present invention will be described below in conjunction with the accompanying drawings:

Firstly, the automated financing transaction system formed by using the automated financing management system of the present invention will be described. Figure 1 shows the structural diagram of this automated financing transaction system. As shown in the figure, the automated financing transaction system can be set up in a communication network 10 . The most common form of this communication network is the Internet. However, other public or private networks that allow a large number of people to participate in financing activities are applicable.

In this automated financing system, there are a group of financing groups 11A, 11B... formed artificially. Only the first financing group 11A and the second financing group 11B are shown in the figure, and each group contains members A ₁ , A ₂ ,..., A _n and B ₁ , B ₂ of different or equal numbers. ,... _Bn, etc. Each member is a user of the automated financing transaction system, and accesses the communication network 10 through its own communication equipment (such as a network computer) to use the automated financing management system of the present invention to carry out financing activities.

It must be noted that, in the above-mentioned network communication architecture, the financing group is not a physical hardware architecture. In terms of application, the way to form each financing group is to designate a specific user in the automatic financing management system of the present invention to become a member of each financing group, so that its financing activities are limited to within the group. In the application example of the present invention, the financing transaction behavior of each group member exists (occurs) between itself and other members of the same group. Under the above design, a specific member of any specific financing group may also be a member of other financing groups.

In the above architecture, the function of the communication network 10 is mainly to transmit the information of financing transactions and other necessary management activities to the target to be transmitted. In the automated financing transaction system, there is no limit to the number of possible financing groups, as long as it is within the allowable range of the communication network 10 and the allowable range of the automated financing management system 12 of the present invention. At the other end of the communication network 10 is the automated financing management system 12 of the present invention. The management of automated financing transactions is performed with members of each financing group through the communication network 10 .

FIG. 1 also shows the system architecture of the automatic financing management system 12 of the present invention. As shown in the figure, the automatic financing management system 12 of the present invention includes: a communication interface 121 for performing necessary communication through the communication network 10; a financing activity database 122 containing various financing groups 11A, 11B... A financing group activity database 122A, 122B...; a member database 123, containing all members belonging to the financing group Chuan 11A, 11B... and members not belonging to any financing group Member's personal data P _I ... Px; a financing group management module 124, used to manage the financing activities of each financing group 11A, 11B...; a member management module 125, used to Manage member financing and other related activities stored in the member database 123; and a money management module 126, used to manage the money payment activities generated according to the financing transaction activities of each financing group.

Although not intending to be limited by any theory, in the framework of the present invention, financing activities are carried out within each financing group, and a system that can manage the financing activities of a large number of financing groups completes electronic and automated financing transactions.

In order to illustrate the financing transaction management performed by the automatic financing management system of the present invention, it is necessary to explain the financing transaction activities of each financing group.

The financing transaction applicable to the present invention is a regular financing transaction among group members. However, other financing transactions with similar nature can also be applied in the present invention. One of the main purposes of the automated financing management system of the present invention is to match and arbitrate financing transactions among members in a group, which is different from matching and arbitrating financing transactions among all members. In the more commonly used embodiments, financing transactions are designed as regular transactions and fixed amount transactions. In this mode, financing transactions are carried out in stages within a certain period, and the amount of each transaction is fixed. For this kind of transaction, the traditional financing transaction method of "private association" in our country can be cited as a reference.

Those who participate in the financing activities of the above-mentioned "private association" are limited to members of the association. The initiator among the members is the "head of the association". When the association is established, it is necessary to invite members to join the association, and after obtaining the consent of a considerable number of members, a contract will be issued to the association, which contains personal information such as the name and address of the member, the total number of members, Membership fee, upper and lower limits of interest, "internal standard" or "external standard" and other information for each unit.

Now set up a union composed of N+1 members, the rules are as follows:

The first meeting (No. 0 meeting) has no bidding behavior, and the first meeting (member M _o ) directly obtains the membership money of the members (members M ₁ -M _N ), and the amount is:

A _o ＝U×N------(1)

A _o represents the total membership fee collected by the summit, U is the unit membership fee,

N is the total number of members minus 1, that is, the association has a total of N+1 members.

The financing activities of the federation are held on a regular basis, usually on a monthly or weekly basis. After the first meeting, the members who have not yet obtained the membership fee (the so-called "living club") will bid for the membership fee.

The calculation method of the nth term membership fee (A _n ) is:

A _n ＝(UI _n )×(Nn)+U×(n)------(2) or $A_{\mathrm{no}}=\mathrm{wxya}+\underset{i=1}{\overset{\mathrm{no}-1}{\mathrm{\Σ}}}{I}_i---\left(3\right)$

Among them, n represents the number of phases in the current period (0<n≤N), and the first meeting is phase 0; I _n represents the winning bid of the current period, and I _i represents the winning bid of the i-th phase; the meaning of winning bid is The interest of each period (session) that the bidder is willing to bear.

The general fund paid by the successful bidders of each period (session) is calculated as follows: 1. The general fund of the 0th period is A. In all members except the leader, each person needs to pay the leader U. 2. After the first period, each member's general fee is A _n yuan. If the bidding fee (interest) is added to the unit membership fee (called external bidding), the formula (3) is applicable:

A. Member M _n who wins the bid in the current period does not need to pay the unit membership fee, but gets the general membership fee.

B. Members who have won the bid (called dead clubs, M ₀ -M _n-1 , a total of n people) should pay the bidder I _i (0<i<n) according to the bid price when they won the bid, and pay the winning bidder U+ I _i element; I ₀ =0;

C. The remaining members M _n+1 -M _N will pay the unit membership fee U to the member M _n who wins the bid in the current period. 3. If the bid price (interest) is included in the unit price (called internal bid), the formula (2) applies:

A. Member M _n who wins the bid in the current period does not need to pay the unit membership fee, but gets the general membership fee.

B. Members who have won the bid (dead clubs, M ₀ -M _n-1 , a total of n people) should pay the unit bidding fee U to the members who have won the bid.

C. The rest of the members will pay U-In to the winning member. 4. For a member, the membership fee paid each period is:

A. When it is a live event, if it is an external bid, the unit membership fee will be paid; if it is an internal bid, it will be the unit price minus the current bidding fee;

B. When it is a dead party, if it is an external bid, pay the unit membership fee plus the current bidding price I _i of the winning bid; if it is an internal bid, pay the unit membership fee.

C. When winning the bid, no membership fee is required. 5. For any member who wins the bid:

A. It obtains M standard gold as An;

B. The bid price paid by him is U×n at the time of external bidding and U×n at the time of internal bidding

C. The bidding money that should be paid each period in the future is U+In in the case of external bidding, and the unit membership fee U in the case of internal bidding.

When conducting joint financial transactions, members are invited to bid within a certain period of time before the transaction. Those who want to raise money will hand over the note with the bid to the head of the meeting, and publish it within the above-mentioned period, and the bidder with the highest bid will win the bid. If no one bids, the lowest bid will be drawn and the winner will win the bid. The last bidder does not need to pay the bid, but gets everyone's bid.

In the above federation system, the head of the federation is the initiator of the federation and can obtain the total amount of the first financing without paying any interest. Obligation, if any member fails to pay the membership fee, the leader shall be responsible for the payment.

Each member is a provider of financing during the event, but becomes a user of financing after winning the bid.

After members join the federation, they get the right to financing. The cost of financing is the interest on the previously paid membership fee and the bidding money agreed to be paid (deducted) when winning the bid. The cost of making financing instruments is determined through competitive bidding.

Federation financing transactions are conducted among members only. Financing activities are held regularly, financing providers can predict the demand for funds, and there is no risk of failure to close the deal.

In the automatic financing management system of the present invention, several processing procedures are similar to the above-mentioned union system.

In the present invention, the establishment of the financing group is actively recruited by the management system. The financing group management module 124 of the automatic financing management system of the present invention first generates most financing group condition information in the member recruitment mode 1241 . Relevant conditions include: unit membership, bid limit, number of periods (number of members), transaction cycle (frequency), etc. The conditional information of the financing group can be placed on the Internet, so that those who intend to become members can apply for membership online. In order to attract members to join, the number of members who have applied to join or have been approved to join a specific group can be displayed on the display screen. In addition, information on specific financing group conditions generated by members can be provided.

Those who apply for membership can obtain the display screen of the management module 124 through the network communication system 10 on their personal computers, and apply to join the financing group. When applying, members should fill in the necessary personal information and send it to the financing group management module 124 by email. The financing group management module 124 compares the applicant's personal data, password, membership number, etc. If the applicant has been approved to become a member as a result of the comparison, enter the financing group establishment mode 1242, where the credit limit and usage status of the member (including the amount of financing, payment records, etc.) of the member are reviewed. Members are organized into a financing group and given a group number and a group member number. If the result of the review is considered unqualified, it can notify the refusal to join, or enter the letter investigation mode 1243 to change its credit information, such as increasing the credit limit.

In the previous stage, if the result of the comparison finds that the applicant is not a member, it will enter the credit investigation mode 1243, and send a request to the undertaking unit, and the credit investigation undertaking unit will enter the credit investigation operation. Here, the credit investigation operation includes: confirming the credit limit, changing the credit limit, and the like. After the professional credit limit confirmation or credit limit change operation, the organizer enters the authorization, and returns to the recruiting mode 1241 or the financing group establishment mode 1242 . Here, the system of the present invention also includes a urging function, and when there is no result after a considerable period of time in the credit investigation operation, a warning signal is sent or the receiving mode 1241 is directly entered. Here, a rejection message can be issued to the applicant.

In addition, the financing group that cannot recruit the predetermined number of people after a certain period of time can also notify the failure or issue a warning signal under certain conditions to remind the system administrator to take necessary measures.

The credit investigation work can be based on the professional work performed by financial institutions when undertaking financing applications. And this operation can be omitted in this system if it is selected as an offline operation. In this case, there is a confirmed credit line in the member database 123 described later for the system to read and obtain authorization.

The personal data of the members who have passed the credit investigation are stored in the member database 123 by the member management module 125 . The database 123 stores useful information such as member personal data, credit limit, and necessary financing guarantee. The information of members approved to join the financing group is stored in the financing group database 122 by the financing group management module 124 . The data in the database 122 can be partially shared with the data in the member data 123, and also includes: financing group number, financing group member number, member number, number of financing activities that have been marked, transaction content of each period and other dynamic data, and Feel free to update it.

After any financing group completes the establishment operation, that is, after the number of people is full, enter the financing transaction mode 1244 . Herein, the system sends out an e-mail to invite members to propose the bid amount quite a few days before the scheduled time. In the application, the e-mail includes a responder (not shown), which can reply to the system for confirmation after the member receives the invitation; In addition, if the member has not received the e-mail, the system can also provide a reminder function to send it again, or issue a warning signal, so that the system can take necessary measures. Those who do not bid after receiving the e-mail are deemed unwilling to bid. At this time, a warning signal can also be issued, and the system will confirm that the member has no willingness to bid in an appropriate manner.

The financing transaction mode 1244 compares the bid amounts of each member at the scheduled bid opening time, and announces the result. The current membership fee will be awarded to the person with the highest bidder. If there are bidders with the same bid, proceed to the appropriate lottery operation. If no one bids, also enter the same job. Members selected through the lottery operation will receive the membership fee of the period. Here, the system also provides announcement and query functions, so that members of the financing team can know the bid amount, input and change time of others, as well as the name of the winning bidder, membership fee and other information.

In this mode, members can be provided with the function of revising bids before the deadline. In addition, it provides a display function for querying the next bid opening time. In another example of the present invention, a trial calculation function is also provided to enable members to know the possible range of the next bid for reference by those who want to raise funds.

After obtaining the bid winning result, the system enters the money management module for payment collection. At this time, the system calculates the membership fees and deadlines for members who have not won bids, as well as the interest for late payment, based on the aforementioned formula, and notifies each member of the result. If the member joins several financing groups, it can still provide the function of trial calculation of the amount to be paid in a short period of time. This feature prompts the member to try to apply to join other groups, or bid on groups that are not yet due, within their credit limit.

Members can pay by electronic money, transfer, etc., or by cash. After the payment collection period expires, the money management module 126 of the system remits the current membership money to the winning member. At this time, if any member pays the membership fee late, the money management module 126 will enter into the collection operation.

In the collection operation, the generally feasible operation method is to send email reminders to the members who should pay the membership fee. Under certain circumstances, it is still possible to seize the money deposited by members, electronic currency, paid membership fees in other financing groups, and winning bid membership fees, etc. In other cases, the right to financing transactions can be suspended until the member's payment is normal. It can be done automatically by means of a simple software program according to established regulations.

After paying the membership fee to the bid-winning member, return to the management module and continue to accept the bids for the next financing transaction until the bid opening deadline for the next transaction.

In the automatic financing management system of the present invention, there is no traditional "meeting leader", but the system conducts automatic electronic financing transaction management according to predetermined conditions.

The above is the description of the embodiment of the automatic financing management system of the present invention. Those skilled in the art should be able to understand the spirit of the present invention from the above description, and make various changes and derivations accordingly. As long as they do not deviate from the spirit of the present invention, all should be included in the scope of the present invention.

Claims (7)

1. Autumatic fund collection management system comprises:

The interface of communicating by letter that can communicate with a network communicating system;

A Member Information storehouse, the internal memory majority is qualified through examining, and can carry out the Member Information of robotization financing transaction, and comprises each member's credit line, credit informations such as payment record;

A member management module can increase, delete and revise management such as content this Member Information storehouse;

A financing group data bank comprises the member of most financing group and the record shelves of financing transaction activity;

A financing team management module, in order to record shelves that respectively should financing group are managed, and regularly, the deposit volume carries out the financing transaction twisting between the member in each financing group automatically; And calculate the money that each member should pay;

A money management module is in order to conclude the business the management of collecting and paying between the member to this financing team management module twisting success;

It is characterized in that this financing team management module carries out financing transaction twisting system and comprises:

Before a time limit, accepted among the member of the group that respectively finances certain amount of money standard gold that still unsuccessful bidder imported;

The standard gold that relatively each member imported in this in time limit, and with the soprano be mark; And

Submit a tender as unmanned, then still among unsuccessful bidder's the member, select one in a predetermined mode and must mark in this financing group.

2. Autumatic fund collection management system as claimed in claim 1, wherein this money management module system calculates the money that each member should pay in each time financing transaction in the following manner:

Before this phase the target member, be that a unit can gold add that it must mark current standard gold;

The member who all lost a bid before this phase and this phase is this unit standard gold;

This phase gets the target member and need not pay money, but obtains the money that other members should pay this phase;

Wherein, this unit can gold be a predetermined dollar value.

3. Autumatic fund collection management system as claimed in claim 1, wherein this money management module system calculates the money that each member should pay in each time financing transaction in the following manner:

Having got the target member before this phase, is unit standard gold;

The member who all lost a bid before this phase and this phase is for this unit standard gold deducts current standard gold;

This phase gets the target member and need not pay money, but obtains the money that other members should pay this phase;

Wherein, this unit standard gold is certain amount of money.

4. as claim 1,2 or 3 described Autumatic fund collection management systems, wherein this financing team management module comprises:

One financing group member recruits mode, to produce the financing transaction condition of different financing group, adds specific financing group for already present member subscription in this Member Information storehouse;

One credit inquiry mode can according to the record in this Member Information storehouse, judge whether to grant adding automatically to the member of the specific financing of application adding group;

One financing group sets up mode, can produce financing group data shelves in this financing group data bank when the member who grants the specific financing of adding group is full.

5. Autumatic fund collection management method is the method for carrying out the management of robotization financing transaction for using in having the robotization financing transaction management system of following elements:

The interface of communicating by letter that can communicate with a network communicating system;

A Member Information storehouse, the internal memory majority is qualified through examining, and can carry out the Member Information of robotization financing transaction, and comprises each member's credit line, credit informations such as payment record;

A member management module can increase, delete and revises management such as content this data bank:

A financing group data bank comprises the member of most financing group and the record shelves of financing transaction activity;

A financing team management module, in order to record shelves that respectively should financing group are managed, and regularly, the deposit volume carries out the financing transaction twisting between the member in each financing group automatically, and calculates the money that each member should pay;

A money management module is in order to conclude the business the management of collecting and paying between the member to this financing team management module twisting success;

This method comprises:

Before a time limit, accepted among the member of the group that respectively finances certain amount of money standard gold that still unsuccessful bidder imported;

The standard gold that relatively each member imported in this in time limit, and with the soprano be mark;

Submit a tender as unmanned, then still among unsuccessful bidder's the member, select one in a predetermined mode and must mark in this financing group.

6. Autumatic fund collection management method as claimed in claim 5, wherein this money management module system calculates the money that each member should pay in each time financing transaction in the following manner:

Before this phase the target member, be that a unit can gold add that it must mark current standard gold.

The member who all lost a bid before this phase and this phase is this unit standard gold;

This phase gets the target member and need not pay money, but obtains the money that other members should pay this phase;

Wherein, this unit standard gold is a predetermined dollar value.

7. Autumatic fund collection management method as claimed in claim 5, wherein:

Got the target member before this phase: be unit standard gold;

The member who all lost a bid before this phase and this phase is for this unit standard gold deducts current standard gold;

This phase gets the target member and need not pay money, but obtains the money that other members should pay this phase;

Wherein, this unit standard gold is a predetermined dollar value.

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