201025176 六、發明說明： 【發明所屬之技術領域】 j明係關於-種整合既有額度之自主式線上融資管理方法屬於金融 _之範嘴。其目的在於運用網路交易方式，讓融資需求者得藉由整合 特定金融機構找有職’胁線上轉__辦自主蚊、符合信 額度靈活運用之融資。201025176 VI. Description of the invention: [Technical field to which the invention belongs] The autonomous online financing management method for the integration of existing quotas belongs to the financial _. The purpose is to use the online transaction method, so that the financing demander can find a certain financial institution by integrating a specific financial institution to operate a mosquito, and use the financing of the credit amount.
為落實本發明，需運用各項網際網路連線及資訊處理之軟硬體設備及技 術，以執行本發明所述之各項流程。在網際網路連線方面，會員係以有線或 無線連^設備，如電腦、電話、手機、PDA或ATM與管理伺服器進行連線，並 執行申請加入'參加組合、平台競標及帳戶管理等流程；在資訊處理方面， 將藉由資解整合、信用評賴減風險計賴料，執行 算、風險底標訂定及融資金額控管等流程。 【先前技術】 目前在市面上已出現運用網際網路進行傳統合會之方法或系統的專利商 品或商業模式，藉由透支方式控管傳統合會風險及藉由線上競標方式執行傳 統合會(註：黃慶祥以「自主性信用貸款服務系統及其方法」於2002年通過 智慧財產局審核，取得發明案號第154239號專利；喬美國際網路股份有限公 司以「透支額度控管式融資管理方法」、「結合整合既有金融機制的線上融資 - 管理方法」及「透支控管式之網路融資撮合交易方法」，於2〇〇2年、2003年 . 及2007年通過智慧財產局審核，取得發明案號第160266號、第207537號及 第1283372號專利；陳傑以「網路安全標會方法與系統」，於2〇〇5年通過智 慧財產局審核，取得發明案號第1231682號專利。），用以因應客戶可能及多 元的需求。但前述專利案皆有相同之特點，即是將現存的傳統合會網路化或 額度化，沿襲過去的交易方式，由特定的一群人相互融通資金，對應於一定 的期間、一定的金額所組織的封閉式競標團體》其資金融通及競標規則充滿 著不方便、不靈活、不自主及不合理的問題。 3 201025176 < 為了擔保線上合會會員的信用’在目前已出現的線上合會方法或專利 中’往往會限制參加資金融通者必須先經由提供競標平台者進行徵作審核， 通過徵信審核者，始可獲得透支額度參加線上資金融通活動，以管^線丄 金融通的安全性。但是在此關條件下，將使已擁有特定金融機構額度或擔 的會員’無法靈活、充份及方便地整合運用已既有的額度(存款、信貸、 ㈣卡、現金卡、車贷、房贷、保險、基金、股票等)進行資金融通。 • 私，對於已在特定金賴構巾具有-定難之會員，其欲進行資金融 r t是單純整合加總既有額度，而不再經—特定之機制或模組重新進 馨料估，而僅以所剩額度進行輯，雖對於會員而言相當便利，但 ΐ 的屬性、擔保品性f、會員信用現況，也會將造成信用過度擴 倒帳逾期風險及會員間惡性競標的可能。 間傳^合=習知的合會方法及已出現的線上合會方法專利中’無論是民 後-如二抽ί線上合會’資金融通參加者除了首期得標者為單純借款者，最 者及借純ΐ款者以外，在期中每期競標時’參加者同時扮演存款 金需1二B、t色’若在資金需求時’即扮演借款者角色進行競標；若無資 特扮演存款者角色不競標而繳交款項。這種所謂的「存借一體」 -位會期間某一期同時有一位以上會員有資金需求時，除僅有 ® 融資，而其他雖同樣有資金需求的會員，除因未 外，又還必須被迫再缴交一筆活會款項，徒增資金壓力； .者，而=同者有一人以上時’又多只能以抽籤方式選出-名得標 有資金ϊΓ，推\之單—得標者；另若在合會期間的某一期沒有任何會員 '者，使被#φέΑ1，，、人投標及競標時，則又必伽強迫抽籤的方式決定得標 的成本。时料概林需要資金時獲好餘資金，並支付資金融通 便利、經濟、公平及合宜的資==務此真正達成提供資金需求者自主、 4 201025176 【發明内容】 由^述可知，目前所執行的線上資金融通業務仍有諸多缺點仍待克服解 、、’故個真正可發揮自主競標訂價、靈活方便融資、有效控管風險及符合 經濟效益的線上資金融通方法是轉開發的。 本發明之整合既有喊之自主讀上融資管财法，係藉由在網路上提 供二自主性的金融借貸平台，將—群特定金融機構的客戶集合-起，經由一 特定之機制或模組，進行整合客戶於肢金賴構親有額度，並賦予一可 競標之融資額度及符合信料級之風險底標；在某㈣定期間，透過競標過 程產生㈣或-個以上符合管理飼服器設定的競標條件之資金融通得標者。 每次產生得標者之後，在預定期關以適#方式，由特定金融機構將得 二=匯人得標會員帳戶；未得標之資金融通會胃财需支付任何款項，除 二陳合下狀絲，亦可在融資額度内參加其她合之絲；另若當 則以適#之抽選健蚊得標會貞外，亦可結束此資金融通組 δ，或得標者從缺另等待下期競標。 因此，本伽係指—種可紐降健信審核成本與金賴觀險，並使 貝金融通者可自主決定融資_，且增加資金融通者枝、信賴及 頭額度審核重複、融資者風險現況、擔保踰差異及存借一體矛盾的問題。 為達成前述目的所採取的主要技術手段，包括以下步驟： 断由請者提出中請成為整合既有額度之自主式線上融資會員；判 金融機構之既有客戶；對前述中請者 之融資額度贿合信料級之碰絲。 城生了供競標 特定融資額度、__、風險底標、繳款週期及繳 融通組合；開放複數個有資金融通需求的正式會 =金 備’如電腦、電話、手機、PDA或趟鱗理伺服器進行連線登、選擇= 201025176 符合其融資額度、融通期間、風險底標、繳款週期及繳款金額之資金融 合，並藉由網站之管理伺服器進行線上競標。 ’且 「對參加競標之會員進行額度檢核與管制，並進入競標模式；競標之標金 為「基礎底標+風險底標+競標增額」，當期款項由標金最高者取得；二據^標 • 結果，由特定金融機構在預定期限内以適當方式將得標款項匯入得標會員帳 戶；未得標之會員則不需支付任何款項。 不 前述方法係主要以特定金融機構之既有客戶作為會員的招募對象，由於 既有客戶已多擁有特定金融機構之額度，例如：存款、信贷、信用卡、現金 • 卡、車貸、房貸、保險、基金、股票等，故無須重覆徵信核貸，可大幅節省 徵信核資成本；又因可競標額度係經一特定之機制或模組重新整合計算，亦 可有效反應會員真確及現況的負擔能力與實際現況。 前述一特定之機制或模組，至少包括：信用評分模組或風險計價模組， 係針對要求加人資金輯組合之會Μ進行可雌融f職與驗底標訂定。 前述融資額度係指會員可競標融資之上限額度，且會員可同時參加多數 個資金融通組合》 士前述資金融通組合成立方式係根據會員的額度、融通期限、欲融資額及 繳放金額所成立的不同資金融通組合，俟該組合會員人數達到限定數量或時 蠼間屆約定之時點，即進入聽模式。 前述的整合特定金融機構之既有額度，至少包括：存款、信貸、信用卡、 現金卡、房貸、車資、保險、基金'股票所產生之可用額度而言。 、广述資金融通組合之「底標」，是由「基礎底標」及「風險底標」搭配而 成’「基礎底標」為依據金融機構提供資金成本及最低利潤訂定，「風險底標」 為依f會員之信用狀況及風險等級而訂定，再加上會員競標時之「競標增額」 成為「競標標金」，而競標結果係以所出價的「競標標金」高低決定，即「基 礎底標+風險底標+競標增額」最高者為當期款項之得標者。 前述資金融通組合，除因融資額度或融通需求產不同之組合供會員選取 外亦可藉由「基礎底標」或「風險底標」之變化、調整或限制，產生各種 201025176 不同類型之資金融通組合。 前述資金㈣齡，在預㈣標咖，㈣各 標與無效標，比較有效競標標金高低，並宣布競標結果。標w分有效 前述資金融通組合’當期之款項是由競標標金最 除可用適當之抽選方式決定得標會員，亦可同時由多人得標 相冋時， 會員無人投標，㈣適#之抽_決定得標 之辦—級至無限級 用其他可細縣㈣衫H絲」除猶臟⑽’亦可運 —前述資金融·合，當賴絲，輯讎結果，由狀金 疋期限内以適當方式將得標款項匯人得標會員帳戶。 前述資金融通組合得標款項之計算可㈣金融通組合之約定 =位繳款金額外加」或「得標款項紐扣除」；「單位繳款金額外加」為單 行:，則得標款項為預定之總額;而「得標款項先 標金定之金額，而得標款項將依每―單位扣除得標 待下Ξίί金’當競標完成，未得標會M不需支付任何款項，可等 他組合之^束此資金融通組合，或在可讎融魏度_時參加其 用卡金賴構之既有賴存款、信貸、信 員雜f i貸、紐、基金、股料)發生違她鱗，對該會 、。_" 4資額度，而且取舰標功能直到恢復正常為止。 式，==:^\合=現〇遲交款項之肢時，料从項催收模 7 201025176 本發明係關於整合既有額度之自主式線上融資管理方法，其且 創新進步性及產業實用性： 、〃 第一個特性是：整合資金融通者於特定金融機構額度，包括：存款、車 f、信貸、信用卡、現金卡、房貸、保險、基金、股票等既有額度，經一特 .定之機制或模組重新整合計算’可反應會貞真確觀的貞擔能力及風險現況。 、 第一個特性疋.藉由信用s平分或風險計價等模組之執行，整合計算資金 融通者於特定金融機構的額度，同時考量包括：擔保品性質、額度^來源、 個人信用現況及外在環境等，可有效保障可能之信用風險及融資風險。 ® 第二個特性是：得標者所獲得的融資資金，由特定金融機構給予，而非 由其他未得標之會員提供，避免未得標之資金需求會員除無法獲得資金融通 外’又必須被迫再繳交一筆款項，徒增資金壓力及負擔。 第四個特性是：習知的合會方法及已出現的線上合會方法中雖皆設立「底 標」作為競標之基礎，但卻忽略個別會員之風險差異，而本發明藉由「基礎 底標」及「風險底標」之搭配，再加上會員競標時之「競標增額」，架構出兼 顧成本、風險及靈活之自主式資金融通管理方法。 第五個特性是：「基礎底標」及「風險底標」可依提供得標款項之金融機 構需求、目標或活動彈性調整，更可藉由基礎底標的增減，靈活因應市場貨 參帶政策鬆緊及金融機構自有資金寬鬆之狀況。 第六個特性是：當有一位以上會員有資金需求時，且競標最高標金相同 ' 者有一位以上時，除可以適當之抽選方式決定得標會員，亦可同時由最高標 - 金相同之多人同時得標，在公平原則下，同時滿足一位以上會員的資金融通 需求。 第七個特性是：沒有會員有資金需求，因而無人投標時，除可以適當抽 選作業決定得標會員，以「基礎底標+風險底標」或給予優惠減碼獲得得標款 項外；亦可結束此資金融通組合，或得標者從缺並等待下期競標，避免強返 抽籤使無資金需求之會員被迫獲得資金，並支付資金成本。 第八個特性是：得標款項之計算可依資金融通組合之約定至少包括吓單 8 201025176 % 位缴款金額外加」或「得標款項先行扣除」而麵選擇或 額外加」為單位繳款金額外加得標競標標金，轉標H缴， f款項先行扣除」鱗位還款金_預定之金額，而得標 扣除得標標金。 4付加秋項將依疋單位 【實施方式】 之自主式線上融資 以下參照所附圖式，詳加說明本發明之整合既有額度 管理方法。In order to implement the present invention, various hardware and software devices and technologies for internet connection and information processing are required to perform the processes described in the present invention. In terms of Internet connection, members connect to the management server via wired or wireless devices such as computers, phones, mobile phones, PDAs or ATMs, and apply to join 'participation, platform bidding and account management. In terms of information processing, the process will be implemented through asset integration, credit review and risk reduction, execution calculation, risk benchmarking and financing amount control. [Prior Art] There are already patented goods or business models in the market that use the Internet for traditional merging methods or systems, to control traditional syndicated risks through overdraft and to perform traditional associations through online bidding ( Note: Huang Qingxiang passed the "Intelligent Credit Loan Service System and Its Method" in 2002 and passed the examination of the Intellectual Property Office to obtain the invention number 154239; Qiaomei International Network Co., Ltd. "overdraft control financing management" Methodology, "Integration of Integrated Financial Mechanisms for Online Financing - Management Approach" and "Overdraft Controlled Internet Financing Matching Transaction Method" were reviewed by the Intellectual Property Office in 2002, 2003 and 2007. , obtained the invention number No. 160266, No. 207537 and No. 1283372; Chen Jie passed the "Internet Security Standard Method and System" and passed the audit of the Intellectual Property Office in 2, 5 years to obtain the invention number 1213682 Patent.), to meet the needs of customers and diverse needs. However, the aforementioned patents all have the same characteristics, that is, the existing traditional associations are networked or quotad, and the past transaction methods are followed, and a certain group of people mutually integrate funds, corresponding to a certain period of time and a certain amount of money. The closed-ended bidding group of the organization is full of inconvenient, inflexible, involuntary and unreasonable issues. 3 201025176 < In order to guarantee the credit of online association members 'in the current online merger methods or patents', it will often limit the participation of financial financiers must first be approved by the bidding platform, through the credit reviewer At the beginning, you can get the overdraft limit to participate in the online financial activities, in order to control the safety of the financial channel. However, under this condition, members who already have a certain financial institution's quota or capacity will not be able to flexibly, fully and conveniently integrate the existing quota (deposit, credit, (four) card, cash card, car loan, mortgage). , insurance, funds, stocks, etc.). • Private, for members who have had a certain difficulty in a particular Jinlai structure, the financial rt is a simple integration of the existing quota, and no longer through the specific mechanism or module re-improvement, However, it is quite convenient for members to carry out the series only with the remaining credits. However, the attributes of ΐ, collateral f, and the status of member credits will also result in the overdue credit risk and the possibility of vicious bidding among members. Inter-communication = customary method of sharing and the method of online mergers and acquisitions that have appeared in the patents, whether it is the people's post-seconds, such as the two-in-one online financial associations, in addition to the first-term winners, the simple borrowers, In addition to the pure money, in the mid-term bidding of each period, 'participants also need to play a deposit of 12 B, t color 'if the funds are needed', then play the role of the borrower to bid; if there is no special role to play The depositor role pays the amount without bidding. This so-called "storage and loan integration" - when there is more than one member at the same time in a certain period of time, except for the only financing, other members who have the same financial needs, in addition to Forced to pay another live fund, increase the pressure of funds; ., and = the same person with more than one person - more can only be selected by lottery - the name is marked with funds, push \ single - winning In addition, if there is no member in a certain period of the association, if the person is bidding and bidding, then the method of forced lottery will determine the cost of winning the bid. When the forest needs funds, it will get a lot of money, and it will be convenient, economic, fair and appropriate. == This is the real need to provide funding. 4 201025176 [Invention content] There are still many shortcomings in the implementation of the online financial services, which still need to be overcome. Therefore, the online financial financing method that can truly play its own competitive bidding, flexible and convenient financing, effective control of risks and economic benefits is developed. The integration of the present invention not only refers to the self-financing of the financing management method, but also provides a non-autonomous financial lending platform on the network, and aggregates the customers of the group-specific financial institutions through a specific mechanism or model. In order to integrate the customers, they will be given a quota of financing and a bidding financing amount and a risk level that meets the information level; during a certain period of time, (4) or more than the management feeding will be generated through the bidding process. The financial conditions of the bidding conditions set by the server are the winners. After each successful bidder, in the predetermined period of time, the specific financial institution will receive the second = remittance bidder member account; the unfinished financial advisory club will need to pay any money, except for the second Under the shape of the wire, you can also participate in the other side of the financing within the financing quota; if you choose to use the appropriate selection of mosquitoes, you can also end the financial financial group δ, or the winners from the absence of another Waiting for the next bid. Therefore, this gamma refers to the kind of 可 降 降 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 , , , , , , , , , , , , , , 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核 审核The current situation, the guarantee over-difference and the contradiction between deposit and loan. The main technical means adopted to achieve the above objectives include the following steps: The applicant is asked to become an autonomous online financing member that integrates the existing quota; the existing customer of the financial institution; the financing amount of the aforementioned applicant. Bribe and slogan. The city has a special financing quota for bidding, __, risk benchmark, payment cycle and payment and financing; open a number of formal financial services that meet the needs of financial services = Jinbei' such as computer, telephone, mobile phone, PDA or 趟 理Connected to the device, select = 201025176 Comply with the financing of the financing amount, financing period, risk base, payment period and payment amount, and use the management server of the website to conduct online bidding. 'And' the quota inspection and control of the members participating in the bidding, and enter the bidding mode; the bidding standard is "basic bid + risk bid + bid increase", the current amount is obtained by the highest bidder; According to the results of the standard, the winning funds will be remitted to the winning member account by the specific financial institution within the predetermined time limit; the unqualified members will not be required to pay any money. The above method is mainly for the recruitment of existing customers of a specific financial institution as a member, because existing customers already have a certain amount of financial institutions, such as: deposits, credit, credit cards, cash • cards, car loans, mortgages, insurance , funds, stocks, etc., so there is no need to repeat credit reporting, which can greatly reduce the cost of credit reporting; and because the bidding quota can be re-integrated through a specific mechanism or module, it can also effectively reflect the true and current status of members. Affordability and actual status. The foregoing specific mechanism or module includes at least: a credit scoring module or a risk pricing module, which is defined for a meeting that requires a combination of funds and a combination of a job and a test. The aforementioned financing amount refers to the limit on the amount of the member's bidding financing, and the member can participate in the majority of the individual financial communication combination. The establishment of the above-mentioned financial communication combination is based on the member's quota, financing period, amount of financing and amount of payment. Different financial communication combinations, when the number of members of the combination reaches a limited number or the time of the appointment, that is, enter the listening mode. The aforementioned integration of specific financial institutions has at least a quota, including at least: deposits, credit, credit cards, cash cards, mortgages, fares, insurance, and funds. The “Bottom Standard” of the Group's “Fundamental Bid” and “Risk Bottom” is based on the “Basic Bid”, which is based on the financial costs and minimum profit provided by financial institutions. The bidding is based on the credit status and risk level of the member, and the “bidding amount” of the member’s bidding becomes the “bidding bid”, and the bidding result is determined by the bidding standard of the bid. That is, the highest of the "basic base + risk base + competitive increase" is the winner of the current amount. In addition to the combination of financing amount or financing demand for members, the above-mentioned financial Financing portfolio can also generate various types of financial services of 201025176 by changing, adjusting or limiting the “basic bid” or “risk bottom”. combination. The aforementioned funds (four) age, in the pre- (four) standard coffee, (four) each standard and invalid standard, relatively effective bidding gold level, and announced the bidding results. The standard w is valid for the above-mentioned capital financial combination. The current amount is determined by the most appropriate bidding method, and the number of members can be determined by the appropriate selection method. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Within the appropriate way, the winning amount will be remitted to the member account. The calculation of the winning amount of the above-mentioned capital financial combination can be (4) the agreement of the financial communication combination = the additional payment of the amount of payment or the "deduction of the amount of the payment"; the "additional unit payment plus" is a single line: The total amount; and the amount of the winning bid will be the amount of the standard, and the amount of the winning bid will be deducted from the unit to be deducted ίί金'. When the bid is completed, there is no need to pay any amount, but you can wait for his combination. ^Bundle this financial Financing combination, or participate in the use of Kajin Lai in the 雠 雠 魏 _ _ 既 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款 存款Will, ._" 4 capital quota, and take the ship mark function until it returns to normal. Formula, ==: ^\合 = now when the late payment of the limbs, the material from the collection module 7 201025176 The present invention relates to integration There is a quota of autonomous online financing management methods, which are innovative and progressive and industrially applicable: 〃 The first characteristic is: the integration of financial institutions in specific financial institutions, including: deposits, vehicles, credit, credit cards, cash Card, mortgage, insurance, Funds, stocks, etc. have existing quotas, and are re-integrated by a special mechanism or module. 'Responsiveness will reflect the true capacity and risk status of the real problem. · The first characteristic 疋. By credit s equalization or risk pricing The implementation of the module, the integration of the financial resources of the financial institutions in a specific financial institution, while considering: the nature of the collateral, the amount of ^ source, personal credit status and external environment, can effectively protect the possible credit risk and financing risks. The second characteristic is that the financing fund obtained by the successful bidder is given by a specific financial institution, rather than by other unsuccessful members, to avoid unfunded funding needs, in addition to the inability to obtain financial resources, Forced to pay another sum of money to increase the pressure and burden of funds. The fourth characteristic is that although the traditional method of joining and the existing online meeting methods have established the "base mark" as the basis of the bidding, but Ignore the risk difference of individual members, and the invention is based on the combination of “basic bid” and “risk bottom”, plus the “bidding increase” of members’ bidding. And care costs, risks, and flexible management of autonomous financing method. The fifth characteristic is that the "Basic Bottom Bid" and the "Risk Bottom Bid" can be adjusted according to the needs, objectives or activities of the financial institutions that provide the winning funds, and can be flexibly adapted to the market by means of the increase or decrease of the underlying standards. The policy is tight and the financial institutions have loosened their own funds. The sixth characteristic is: when there is more than one member with funds, and the highest bid amount is the same. If there is more than one person, the winner can be determined by the appropriate selection method. Many people also won the bid at the same time. Under the principle of fairness, they also met the financial needs of more than one member. The seventh characteristic is: no member has funding needs, so when no one is bidding, in addition to the appropriate selection of the operation to determine the winning members, the "basic base + risk base" or the preferential reduction code to obtain the winning amount; End this funded financial combination, or the winners are absent and wait for the next bid, to avoid strong return to the lottery so that members without funds need to be forced to obtain funds and pay the cost of capital. The eighth characteristic is that the calculation of the winning amount can be based on the financing of the financial combination, including at least the scarcity of 8 201025176% of the payment plus or "the first payment of the winning amount" or the additional payment" Gold is additionally awarded the bidding standard, and the transfer is marked with H. The amount of f is deducted first. The amount of the repayment is _ the amount of the reservation, and the deduction is deducted from the standard. 4 Fu Jiaqiu will depend on the unit [Embodiment] Autonomous online financing The following is a detailed description of the integrated credit management method of the present invention with reference to the accompanying drawings.
第-圖係顯示應用本發明之整合既有額度之自主式線上融資管 之客戶端系統的基本架構圖。如第示，_本 ^式線上融資管理方法之管理值器⑽係透過網路伺服器 路系統300相連接，俾以利用網際網路系統·與使用者終端機_進行整 合既有額度之自主式紅融靜理絲。管_關⑽侧賴欲進行資 金融通的參加者進行資訊的傳送與接收，以進行線上資金融通活動。欲進行 資金融通的參加者除了可糊使用者終端機傳删於參加f金融通活動 之個人相關資訊以外，亦可由管理舰器⑽接收有關資金㈣活動的資訊。 第二圖係顯示應用本發明之整合既有額度之自主式線上融資管理方法 之整合特定金賴構資料端系_基本架構圖^如第2騎示，應用本發明 之整合既有額度之自主式線上融資管理方法之管理舰器⑽透過網路飼服 器200與網際網路系統3〇〇相連接，俾以利用網際網路系統3〇〇透過特定金 融機構之網路伺服器600確認特定金融機構之既有客戶資料。管理伺服器1〇〇 係用以特定金融機構進行資訊的傳送與接收，以進行整合既有額度與訂定風 險底標。而特定金融機構可利用終端機700傳送及更改既有客戶之個人相關 資訊外，亦可由管理伺服器100接收有關既有客戶之個人相關資訊。 第二圓係顯示應用本發明之線上整合既有額度之自主式線上融資管理 方法之整合資金融通者於特定金融機構額度之示意囷。首先由管理伺服器10() 利用網路通訊系統300對欲參加整合既有額度之自主式線上融資的參加者進 9 201025176 鼇 行招募’而上述中請者可賴者終賴經由網路通訊系統取得 該招募活動侧訊息。若t請者欲參加設有該管_縣丨⑻之提供競標平 台者所提供的競標平台，由提供競標平台者根據該申請者所提供的資料，判 斷申請者是否為特定金融機構之既有客戶，而將特定金融機構之網路飼服器 600所傳送之此申請者於該特定金融機構的信贷⑽⑴、房貸⑽⑵十 '用卡⑽13)、存款⑽⑷、現金卡®G15)、保險(S2G16)、基金⑽17/ .股票(S2G18)、其他(S2G19)等既有額度’經由-特定之補或模組的執行結 果(步驟S202) ’決定申請者是否核准參加資金融通組合，並確認融資額度與 風險底標（步驟S206)。上述之特定機制或模組至少包括：信用評分模組(步驟 • 兑〇3)、風險計價模組(步驟S204)或其他相關機制模組(步驟S2〇5)。 第四圖係顯示本發明之整合既有額度之自主式線上融資管理方法之運 作流程的流程圖。在如上述之產生可用額度與風險底標後，成立特定融資額 度、融通期間、基礎底標、風險底標及繳款金額之資金融通組合，開放資金 融通會員（步驟S3G1)選擇參加符合其額度之資金融通組合；在狀開標時 間，管理伺服器檢核各會員之額度與標金(步驟S3〇2)，以區分有效標（步驟 5304) 或無效標（步称S303)，而當期之款項是由競標標金最高者取得（步驟 5305) ’並公布競標結果（步驟S3〇6)。上述之得標判斷是由競標標金最高者 取得，並發it得標者得標通知(步驟S308)，而在預定期限内，由特定金融機 參構以適當方式將得標款項匯入得標會員帳戶（步驟S307);標金相同時，除可 用適當之抽選方式決定得標會員，亦可同時由多人得標；因得標款項由金融 機構給予’因此未得標會員將不需支付任何款項，可等待下期競標，亦可結 束此資金融通組合’或在可用額度内參加其他組合競標（步驟S3〇9)，完成開 標作業（步驟S310)。 第五圖係顯示本發明之整合既有額度之自主式線上融資管理方法之無 人競標時的流程圖。在如上述之產生可用額度與風險底標後，成立特定資額 度、融通期間、基礎底標、風險底標及繳款金額之資金融通組合，開放資金 融通會員（步驟S401)選擇參加符合其額度之資金融通組合；在預定開標時 間，管理伺服器檢核各會員之額度與標金(步驟S4〇2),若當期無人投標及競 標（步驟S403)，則以適當之抽選作業以「基礎底標+風險底標」或給予^惠減 201025176 碼成為得標會員（步驟瀬)獲得得標款項外，亦可適時結束此資金融通組合 (步驟S405)’或可得標者從缺而等待下期競標(步驟，完成開標 驟 S407)。 7 則述資金融通組合若出現會員遲交款項之狀況時，即進入款項催收 式，對該會員進行催收手段。 以下提供六個較佳實施例，分別依假設狀況說明： 假設： 由一设有管理伺服器100的提供競標平台者透過網際網路系統300受理 •代號A、B、C、D、E、F、G、H、I、J等十位會員申請加入整合既 f額度之自主式線上融資管理方法之資金融通會員，在正式參加融資組合 剛，先經由提供競標平台者之管理伺服器1〇〇透過網路伺服器2〇〇與網際網 路系統300相連接，透過特定金融機構之網路伺服器6〇〇確認特定金融機構 之既有客戶資料，而將特定金融機構所傳送之此申請者於該特定金融機構的 信貸(S2011)、房貸(從〇12)、信用卡(S2〇i3)、存款(S2014)、現金卡(S2〇15)、 保險(S2016)、基金(S2017)、股票（S2018)、其他(S2019)等既有額度，經由 一特定之機制或模組整合計算，此特定之機制或模組至少包括：信用評分模 組（步驟S203)、風險計價模組（步驟S2〇4)或其他相關機制或模組（步驟 φ 從〇5)，而根據執行的結果（步驟S202)決定申請者是否核准參加資金融通組 合，並針對各會員進行整合計算出於特定金融機構的既有額度，確認融資額 度及風險底標（步驟S206)。假設上述十位會員中，a、B、C、D、E、F、 G、Η、I、J等十位會員被賦予之融資額度與風險底標分別為a : 1〇〇萬/ 第1、級、B : 20萬/第2級、C : 30萬/第4級、D : 40萬/第3級、E : 1〇 萬/第6級、F : 5萬/第3級、G : 15萬/第2級、Η : 50萬/第2級、I : 35萬/第2級、J : 45萬/第2級。 實例一 假設風險底標為每一級「金額分級」增額50元，上述A、β、c、D、 11 201025176 E、F六位會員欲參加一融資額度6萬、融通期間6個月、基礎底標200元 之資金融通組合；管理伺服器檢核各會員之額度發現「F會員」之融資額度5 萬不足參加此資金融通組合’先行排除；而其他五位會員之融資額度符合參 加此資金融通組合，而以「基礎底標+風險底標+競標增額」進行競標，假設 A競標金額為：基礎底標200+第1級風險底標50+競標增額1〇〇=35〇、B競標 金額為：基礎底標200+第2級風險底標100+競標增額150=450、C競標金額 為：基礎底標200+第4級風險底標200+競標增額200=600、D競標金額為： 基礎底標200+第3級風險底標150+競標增額250=600、E競標金額為：基礎 底標200+第6級風險底標300+競標增額300=800，管理伺服器檢核各會員之 Φ 標金，以區分有效標與無效標，而當期之款項是由「基礎底標+風險底標+競 標增額」（競標金額）最高者「E會員」競標金額800元取得》而在預定期限 内’由特定金融機構以適當方式將得標款項匯入得標會員「E會員」之帳戶。 實例二 假設風險底標為每一級之「比率分級」為基礎底標再增加10%，上述A、 B、C、D、E、F六位會員欲參加一融資額度6萬、融通期間6個月、基 礎底標200元之資金融通組合；管理伺服器檢核各會員之額度發現「F會員」 φ 之融資額度5萬不足參加此資金融通組合，先行排除；而其他五位會員之融 資额度符合參加此資金融通組合，以「基礎底標+風險底標+競標增額」進行 競標，假設A競標金額為：基礎底標2〇〇+第1級風險底標20+競標增額 100=320、B競標金額為：基礎底標2〇〇+第2級風險底標40+競標增額 200=440、C競標金額為：基礎底標2〇〇+第4級風險底標別+競標增額 100=380、D競標金額為：基礎底標2〇〇+第3級風險底標6〇+競標增額 250=510、E競標金額為：基礎底標2〇〇+第6級風險底標120+競標增額 =0=420 ’管理伺服器檢核各會員之標金，以區分有效標與無效標，而當期之 政項是由「基礎底標+風險底標+競標增額」（競標金額）最高者「D會員」競 標金額510元取得。而在預定期限内，由特定金融機構以適當方式將得標款 項匯入得標會員「〇會員」之帳戶。 12 201025176 實例三 假設A競標金額為：320、B競標金額為：440、C競標金額為〖10、D競 標金額為510、E競標金額為420，管理伺服器檢核各會員之標金，得知當期 之「基礎底標+風險底標+競標增額」（競標金額）最高者有二位相同’分别為 「C會員」與「D會員」二位會員，除可用適當之抽選方式決定得標會員， 亦可同時由「C會員j與「D會員」二人得標；而得標款項由金融機構在預 定期限内，以適當方式將得標款項匯入得標會員「C會員」或「D會員」或 「C會員」「D會員」二位會員之帳戶。 實例四 假設上述A、B、C、D、E、G、H、I八位會員參加一融資額度12 萬、融通期間12個月、基礎底標500元之資金融通組合；第一期已由「a會 員」競標標金最高者取得，而第二期在預定開標時間，B、C、D、β、g、 Η、I七位會員無人競標，除以適當之抽選作業決定B、c、D、Ε、〇、 Η、I七位會員由誰以「基礎底標+風險底標」或給予優惠減碼成為得標會員 獲得得標款項外，亦可結束此資金融通組合，或得標者從缺並等待下期二矜。 實例五 得標款項由金融機構在預定祕内，以適當方式將得標The first figure shows the basic architecture of the client system of the autonomous online financing tube that integrates the existing credits of the present invention. As shown in the above, the management value (10) of the online financing management method is connected through the network server system 300, and the network system is integrated with the user terminal to have a certain amount of autonomy. Red melted silk. Guan_Guan (10) relies on the participants of the financial communication to transmit and receive information for online financial activities. Participants who wish to make a financial pass can also receive information about the funds (4) activities from the management ship (10), in addition to the personal information that can be copied to the F-finance activities. The second figure shows the integration of the specific online financial management method of the integrated online financing management method with the integrated credits of the present invention. The basic architecture map is as shown in the second riding, and the integration of the present invention is applied to the quota. The online financing management method management vessel (10) is connected to the Internet system through the network feeder 200, and uses the Internet system 3 to confirm the specificity through the network server 600 of the specific financial institution. Financial institutions have both customer information. Management Server 1 is used to transmit and receive information from specific financial institutions to integrate existing quotas and set risk benchmarks. The specific financial institution can use the terminal 700 to transmit and change the personal related information of the existing customer, and the management server 100 can also receive personal related information about the existing customer. The second circle shows the indication of the amount of the financial institution of the integrated financial institution that applies the online financing management method of the online integration of the present invention to a specific financial institution. First, the management server 10() utilizes the network communication system 300 to recruit participants who want to participate in the integration of the online self-financing of the existing quotas, and the above-mentioned applicants rely on the network communication. The system obtains the information of the recruitment activity side. If the applicant wants to participate in the bidding platform provided by the bidding platform provided by the manager, the bidder will judge whether the applicant is a specific financial institution based on the information provided by the applicant. The customer, and the applicant of the specific financial institution's network feeder 600 transmits the credit (10) (1), mortgage (10) (2) ten's card (10) 13), deposit (10) (4), cash card® G15), insurance (S2G16) to the specific financial institution. ), fund (10)17/. stock (S2G18), other (S2G19), etc. The existing quota 'via-specific patch or module execution result (step S202)' determines whether the applicant approves the participation in the financial portfolio and confirms the financing amount. And the risk base (step S206). The specific mechanism or module described above includes at least: a credit scoring module (step • 〇 3), a risk pricing module (step S204), or other related mechanism modules (step S2 〇 5). The fourth figure is a flow chart showing the operation flow of the autonomous online financing management method for integrating the existing credits of the present invention. After the above-mentioned production quota and risk base are generated, the financial financing combination of specific financing amount, financing period, basic bid, risk base and contribution amount is established, and the open-end financial member (step S3G1) chooses to participate in the quota. The financial communication combination; in the opening time, the management server checks the quota and the standard of each member (step S3〇2) to distinguish the valid target (step 5304) or the invalid target (step S303), and the current period The amount is obtained by the highest bidder (step 5305) 'and the bid result is announced (step S3〇6). The above-mentioned winning bid is obtained by the highest bidder, and the bid winner is notified (step S308), and within a predetermined period of time, the winning bid is remitted by the specific financial institution in an appropriate manner. Member account (step S307); when the standard amount is the same, in addition to the appropriate selection method to determine the winning member, it can also be won by multiple people at the same time; because the winning amount is given by the financial institution 'so the unqualified member will not have to pay Any payment may be awaited for the next bid, or the capital financial combination may be terminated or the other combination bids may be participated within the available credit (step S3〇9) to complete the bid opening operation (step S310). The fifth figure is a flow chart showing the unmanned bidding of the autonomous online financing management method of the integrated credit of the present invention. After the above-mentioned production quota and risk base are generated, a specific financial quota, a financing period, a basic base, a risk base and a payment amount are established, and the open-end financial member (step S401) selects to participate in the quota. In the scheduled opening time, the management server checks the quota and the standard of each member (step S4〇2). If there is no bidding and bidding in the current period (step S403), the appropriate drawing operation is used as the basis. The bottom mark + risk bottom mark or the benefit reduction 201025176 code becomes the winning member (step 瀬) to obtain the winning amount, and may also end the funded financial combination in time (step S405)' or the winner can wait from the lack of The next bid (step, complete the opening step S407). 7 If the member's financial combination is in the state of late payment, the member will enter the payment collection form and collect the member. The following six preferred embodiments are provided, respectively, according to the hypothetical situation: Assumption: A bidding platform provided with the management server 100 is accepted through the Internet system 300. Codes A, B, C, D, E, F Ten members, such as G, H, I, J, and other members who apply to join the self-financed online financing management method that integrates the amount of f, are formally participating in the financing portfolio, first through the management server that provides the bidding platform. Connected to the Internet system 300 through the network server 2, and through the network server 6 of the specific financial institution, the existing customer information of the specific financial institution is confirmed, and the applicant is transmitted by the specific financial institution. Credit for this particular financial institution (S2011), mortgage (from 〇12), credit card (S2〇i3), deposit (S2014), cash card (S2〇15), insurance (S2016), fund (S2017), stock ( S2018), other (S2019) and other existing credits are integrated and calculated through a specific mechanism or module. The specific mechanism or module includes at least: a credit scoring module (step S203) and a risk pricing module (step S2〇) 4) or other related mechanisms Or module (step φ from 〇5), and according to the result of the execution (step S202), it is determined whether the applicant approves the participation in the financial communication portfolio, and the member is integrated to calculate the existing quota for the specific financial institution, and the financing amount is confirmed. And a risk base (step S206). Assume that among the above ten members, the financing amount and risk base assigned to ten members such as a, B, C, D, E, F, G, Η, I, J, etc. are respectively a : 1 million / 1st , grade, B: 200,000/level 2, C: 300,000/level 4, D: 400,000/level 3, E: 1 million/level 6, F: 50,000/level 3, G : 150,000 / 2nd level, Η: 500,000 / 2nd level, I: 350,000 / 2nd level, J: 450,000 / 2nd level. Example 1 assumes that the risk base is 50 yuan for each level of “value classification”. The above six members of A, β, c, D, 11 201025176 E and F want to participate in a financing amount of 60,000, and the financing period is 6 months. The financial standard of 200 yuan is included in the bottom line; the management server checks the quota of each member and finds that the financing amount of “F member” is less than 50,000, and the financing of the other financial members is excluded first; and the financing amount of the other five members is eligible to participate in this fund. The combination of financing, and the "basic base + risk base + competitive increase" bidding, assuming the amount of A bid is: basic base 200 + level 1 risk base 50 + bid increase of 1 〇〇 = 35 〇, The bidding amount of B is: base bid 200 + level 2 risk bottom standard 100 + bid increase 150=450, C bid amount: base bid 200 + level 4 risk bid 200 + bid increase 200 = 600, The bidding amount of D is: basic base standard 200+ level 3 risk bottom mark 150+ bid increase 250=600, E bid amount is: base bid 200+ level 6 risk bottom standard 300+ bid increase 300=800, The management server checks the Φ standard of each member to distinguish between the valid standard and the invalid target, and the current payment It is obtained by the "basic bid + risk base + competitive bid increase" (the bid amount) "E member" bid amount of 800 yuan" and within a predetermined period of time - the specific financial institution will transfer the winning amount in an appropriate manner The account of the winning member "E member". Example 2 assumes that the risk base is 10% increase based on the “rate classification” of each level. The above six members of A, B, C, D, E and F want to participate in a financing amount of 60,000 and 6 during the financing period. The monthly and basic base amount of 200 yuan is the financial combination; the management server checks the quota of each member and finds that the financing amount of “F member” φ is less than 50,000, which is not enough to participate in this financial communication combination, and is excluded first; and the financing amount of the other five members In accordance with the participation in this financial Financing portfolio, the bidding is based on the “Basic Bottom + Risk Base + Competitive Increase”. Assume that the A bid amount is: base bid 2〇〇 + level 1 risk bid 20 + bid increase 100= 320, B bidding amount: base bid 2〇〇 + level 2 risk bid 40 + bid increase 200=440, C bid amount: base bid 2〇〇 + level 4 risk bottom bid + bid The increment is 100=380, and the bidding amount is: base bid 2〇〇 + level 3 risk bid 6〇 + bid increase 250=510, E bid amount is: base bid 2〇〇 + level 6 risk The bottom bid 120+ bid increase ===420 'The management server checks the bids of each member to distinguish between valid and invalid labels. In the current period, the government's highest amount of "basic bid + risk base + competitive bid increase" (bid amount) was obtained by the "D member" bid amount of 510 yuan. During the scheduled period, the designated financial institution will remit the winning amount to the account of the winning member “〇 Member” in an appropriate manner. 12 201025176 Example 3 Assume that the amount of A bid is: 320, B bid amount is: 440, C bid amount is 〖10, D bid amount is 510, E bid amount is 420, management server checks each member's bid, Knowing that the "basic bid + risk base + bid increase" (bid amount) of the current period has the highest number of two members - "C member" and "D member", respectively, except that the appropriate selection method can be used. The winning member can also be awarded by both "C member j and "D member"; and the winning bid will be remitted by the financial institution to the winning member "C member" in an appropriate manner within the predetermined time limit. Or the account of two members of "D Member" or "C Member" and "D Member". Example 4 assumes that the above-mentioned eight members A, B, C, D, E, G, H, and I participate in a financial combination of financing amount of 120,000, financing period of 12 months, and basic base of 500 yuan; The "a member" bidder is the highest bidder, and the second period is at the scheduled bid opening time. The seven members B, C, D, β, g, Η, I are not bidding, except for the appropriate lottery decision B, c, The seven members of D, Ε, 〇, Η, and I will be awarded the winning bid by the “basic bid + risk bottom mark” or the discounted code to become the winning member. The person is missing and waiting for the next two. Example 5 The winning bid will be won by the financial institution in the secret of the reservation.
元之單位還款金額（註：10〇〇〇+5〇〇=1〇5〇〇);若約定為「 _間每月較10,500 得標款項先行扣除」， 201025176 ====:(~·_，通 實例六 人亦可提供或設計限制某-或一定風險等級會員方能加入之資金融通組 〇例如.认疋風險荨級為第2級方能參加之資金融通組合，因此上述十位會 員’僅Β : 20萬/第2級、G : 15萬/第2級、Η : 50萬/第2級、I : 35萬/ 第2級、J :45萬/第2級之五位會員可參加此資金融通組合，而其他非此風 謇險等級之會員即使融資額度足夠或有參加意願，亦由管理祠服器排除不得加入 或參加此資金融通組合。 ^以上所述僅為本發明之較佳實施例，並非用以限定本發明之實質技術内容 範圍。任何他人所完成之技術實體或方法，若是與本發明所述或定義者完全相 同、或疋同一等效之變更，均將被視為涵蓋於此申請專利範圍之中。 【圖式簡單說明】 第一圖係顯示應用本發明之整合既有額度之自主式線上融資管理方法之客 參 戶端系統的基本架構圖。 第二圖係顯示應用本發明之整合既有額度之自主式線上融資管理方法之整 合特定金融機構資料端系統的基本架構圖。 第三圖係顯示應用本發明之線上整合既有額度之自主式線上融資管理方法之 整合資金融通者於特定金融機構額度之示意圖。 第四圖係顯示本發明之整合既有額度之自主式線上融資管理方法之運作流程 的流程圖。 ' 第五圖係顯示本發明之整合既有額度之自主式線上融資管理方法之無人競標 201025176 【主要元件符號說明】 100 管理伺服器 200 網路伺服器 300 網際網路系統 400 使用者終端機 600 特定金融機構網路伺服器 ❹ 700 特定金融機構終端機 ❿ 15The repayment amount of the unit of the Yuan (Note: 10〇〇〇+5〇〇=1〇5〇〇); if the agreement is _ between _ monthly, the 10,500 winning amount will be deducted first, 201025176 ====:(~ · _, the example of six people can also provide or design restrictions on a certain - or a certain level of risk members can join the financial group, for example, the risk level is the level 2 can participate in the financial integration, so the above ten Members only: 200,000/Level 2, G: 150,000/Level 2, Η: 500,000/Level 2, I: 350,000/Level 2, J: 450,000/Level 2 A member can participate in this financial Financing portfolio, and other members who are not at this level of risk are excluded from the management of the financial services by the management server even if the financing amount is sufficient or they have the willingness to participate. The preferred embodiments of the present invention are not intended to limit the scope of the technical scope of the present invention. Any technical entity or method performed by another person, if it is identical or equivalent to the present invention, Both will be considered to be covered by the scope of this patent application. [Simple description of the diagram] The basic architecture diagram of the client-side system for integrating the self-owned online financing management method with the quota of the present invention is shown. The second figure shows the integration specificity of the autonomous online financing management method applying the integrated limit of the present invention. The basic structure diagram of the data system of the financial institution. The third figure shows the schematic diagram of the amount of the integrated financial institution of the integrated financial financing management method of the online integration of the existing online financing method of the present invention. The integration of the invention is a flow chart of the operation process of the online financing management method with the quota. 'The fifth figure shows the unmanned bidding of the self-owned online financing management method with the integrated credit of the present invention 201025176 [Explanation of main component symbols] 100 Management Server 200 Network Server 300 Internet System 400 User Terminal 600 Specific Financial Institutions Network Servers 700 Specific Financial Institutions Terminals ❿ 15