TW201308243A - Financial commodity and instrument accumulating effect system - Google Patents

Abstract

A financial commodity and instrument accumulating system has a pre-purchase unit by that an investor can input a pre-purchase financial commodity for calling other investors to join this action so as to form a large amount for buying the commodity; a financial supplier database recording all the financial commodities related; a financial supplier bidding unit for receiving the bidding conditions from the financial instruments, which records the prices and services about the pre-purchase commodity; an expert center providing specialized suggestions to the pre-purchase commodity to the investors so that the investors can make choose from the suggestions; the experts can be from the investors or be invited by the website managers; and a decision center receiving the messages from the pre-purchase unit, the financial supplier database, the financial bidding unit, and the expert center so that the investors make decisions in this decision center. In the present invention, the financial instruments provide the conditions from bidding including the properties of increasing services and profits with the amount of pre-purchase commodity, and reducing the investing risk and fees with the amount of the pre-purchase commodity.

Description

System of financial products and tools

The present invention relates to a business model, and more particularly to a website architecture for financial commodity listing transactions. It aggregates the financial needs of many investors to require financial institutions to provide options to increase services or increase customer income or reduce investment risks or reduce fees as the volume increases.

Group buying has become a fashionable way of online shopping, but currently all kinds of methods are used in general merchandise, and not yet useful in financial products. And today's financial products are a fixed price. It is controlled by financial institutions, so the discount is limited and it is impossible to extend consumer sovereignty. Service quality will be discounted.

Consumption, savings, and investment are important decisions in the income of households or individuals (and businesses) in economics. Consumption has been better applied in the field of network technology (such as the patent of the single effect of the substance proposed by the inventor). But financial non-physical goods still follow the past. Financial investment is said to be the exchange of information, and the increase and decrease of a series of figures, but financial institutions and participants are full of information asymmetry, which is one of the causes of the financial tsunami.

Ignorance and corruption. It creates blind obedience for a single participant. The provider also has no intention of breaking the dominance of the professional to the single ordinary. Scattered funds are not deliberately taken care of by too much professionalism. International currency exchange wastes transaction costs and is the source of economic crisis. It has become a national financial institution and has also become an international investment speculation organization. A weak country is always the bottom of the dilemma. The solution is to issue new electronic money.

Venture capital. Hedge funds. Private equity funds. There are restrictions on the amount of capital contribution. Non-general small investors can participate. In addition, the financial institutions that are savvy or profitable: innovative financial products to avoid the supervision of the US government, and secondly, the real estate loan storm in the United States only swept the world, so the mortgage companies flooded, investment bank packaging, credit evaluation Insurance companies chased insurance; sales to Asia, the gold control company recruited a large number of science, from the depositors began to brainwash ... and finally the United States is sick Taiwan is suffering from bitter medicine, the world is followed by many diseases.

Savings can now be full of risks, and there is no eternal bank and wealth in history. Some people say that small amounts can participate in mutual funds. In fact, mutual funds are the earliest tools designed by foreign institutions to absorb money in the long run. Because they only draw management fees and do not draw performance fees, they only need to confess to the past with the index or the market. In 2007, the United States paid a total of hundreds of billions of basic expenses to the listed organizations and related personnel, such as lawyers, accountants... and not including dividends... Luxury and arrogance are financial service providers who have mastered knowledge and information for centuries. They are consistent with the role of the server and the custodian and educator. People outside the network, they are cut into a single individual by the market, and have been favored by the seller with weak purchasing power. No one in the real world will have complete information, that is, to make full use of the power and wisdom of the masses to condense the fragmented money into a huge, dominant, and pricing power.

The inventor of the case hopes to propose a new method that can unite the power of retail investors to generate bargaining power for financial institutions. Therefore, the method of financial pooling is proposed, and it is hoped that the above objective can be achieved by this method. The so-called financial pooling refers to the formation of the buyer's market because of the aggregation of multiple orders by investors, so the buyer can have an active agreement on the conditions of income, commission, service and other conditions. In the price, the effect of the price decreasing as the number of purchases increases can be exerted. In this case, the website structure of the financial pooling effect is proposed to solve the problem of unfairness of the above-mentioned investors.

The object of the present invention is to propose a website structure of a financial pool, in which the effect of the poly-single is used to aggregate a large number of loose orders and then negotiate with the financial institution. Or financial institutions bid for the quality of service content. Because of the large amount of money, financial institutions must reduce prices for sale and provide better services. In addition, this platform is regarded as a fixed business model with a wide coverage. The buyer gathers the order to accumulate the right to purchase the bargaining power; the seller is able to turn the zero into the whole, and buy more than the mall habits that will reduce the price. Use the platform to lower the cost of bargaining between the two parties. In addition, after the aggregation, certain financial products, such as deposits, can be deposited with a number of financial institutions at the same time. All financial institutions are required to provide inter-bank joint services, thus increasing the convenience of investors. The central bank currency helps to unify the currency system. For cross-border transactions, multiple redemption procedures and related fees can be saved.

In order to achieve the above objective, the present invention provides a website structure of a financial pool, comprising: a central server mainly for constructing a website of the financial transaction; the central server is connected to at least one subscriber unit, wherein the subscriber unit The user unit can be directly connected to the central server via IE (Internet Explorer); the user unit includes an investor, a financial institution, etc.; wherein the central server includes a processor and a memory unit for performing and storing operations of the related unit and Operation result; a pre-purchased financial commodity unit, in which an investor inputs a pre-purchased financial product from an investor's computer to a designated financial institution in a financial service provider; other investors may join through the affiliated investor's computer to form a poly-single. And the pre-purchased financial commodity unit records the total pre-purchased quantity and the financial commodity name; a financial service provider database, records all participating financial commodities, and registers with the real-name system; records the available financial investment projects; savings projects; insurance; Financial goods; and various services or benefits or guarantees or additional insurance that can be expected Merging commodity service; a financial institution supplier bidding unit, receiving the corresponding price and service of the designated financial institution for the pre-purchased financial commodity based on the investment amount; the financial institution may immediately submit or obtain information from the financial institution's supplier database The financial institution must propose an option to increase the service or increase the customer's income or reduce the investment risk or reduce the fee as an investor; an expert center, hired by the platform or consulted an expert in the investor or After the evaluation of the external experts, the opinions will be posted on the Internet, and the assessments and messages will be exchanged at any time. The investors can select and collect the orders online; the experts will keep track of the announcements at any time, and send them to the investors to receive the website or mobile phone to reduce the risk. And a decision center receives information from the pre-ordered financial product unit, the financial service provider database, the supplier bidding unit, and the expert center for the investor to make a decision; the decision center includes a predetermined decision mechanism to make The decision determines the financial institution to be selected and the decision of the corresponding transaction.

The features of the present invention and its advantages are further understood from the following description, and reference is made to the accompanying drawings.

In view of the structural composition of the case, and the functions and advantages that can be produced, in conjunction with the drawings, a preferred embodiment of the present invention is described in detail below.

Referring to FIG. 1, the hardware architecture of the present creation is mainly a central server 500, which is mainly used to construct a website for financial transactions in this case. The central server 500 is coupled to at least one subscriber unit 600, wherein the subscriber unit 600 can be in direct communication with the central server 500 via an IE (Internet Explorer). The subscriber unit in this case contains investors, financial institutions, and so on.

The operating software and transaction data in this creation are stored in the central server 500, so the user can continue the previous actions in different user units 600 without interrupting the operation due to the replacement of the user unit 600. The central server 500 includes a processor 11 and a memory unit 12. The processor 11 is used to perform the operations required in the present creation. The memory 12 is used for storing relevant software stored in the form of a computer program in the present creation, related operation results and related materials. All the operation results and related materials in the creation are stored in the memory 12 of the central server 500, so that the user does not be affected by the user unit 600 for use when performing related operations.

Please refer to Figure 2, which shows the operational block diagram of the main mechanism of the single transaction in this case.

a pre-purchased financial commodity unit 10, the investor is input into a pre-purchased financial product by an investor's electronic I/O (input/output) device 1 (hereinafter referred to as an investor's abbreviation) to a designated financial institution in a financial service provider The institution's electronic I/O (input/output) device (hereinafter referred to as a financial institution); other investors 1 may join the purchase to form a poly order, and the pre-purchased financial commodity unit 10 records the total pre-order quantity and the financial product name. The pre-purchased financial products can also be entered by keywords, and then financial institutions provide similar financial products for investors to purchase.

Investor 1 in this case contains individuals, companies, organizations, and units, and must be registered under the real name system. Investors fill out the financial investment activities to be participated in, such as venture capital, stock market, futures, etc., including the details and amount of domestic or foreign regions. Or the investor fills in the savings and the amount of the savings to be participated in, such as: the savings and the amount of the term or the currency, so as to accumulate the order; or fill in the insurance and the amount of the insurance and the amount of the insurance to be joined; Or fill out the small loan and the amount to be credited.

A financial services provider database 15, which records all participating financial products, is registered under the real name system (company information can be linked); records available financial investment projects; savings projects; insurance; and various financial products; and various services that can be expected Financial goods services with benefits or guarantees or additional insurance. The financial institution can be set to display actively or passively. The active displayer can actively display in the financial product list of the platform (not shown in the figure) for the investor to actively choose; the passive displayer has the input keyword or the investor Displayed only when the financial product name.

A financial institution supplier bidding unit 20 receives the corresponding price and service of the designated financial institution 2 for the pre-purchased financial product according to the investment amount. Information may be obtained by the financial institution 2 immediately or by the financial institution's supplier database. The supplier includes banks, investment, investment, insurance companies, futures dealers, securities firms, e-commerce financial institutions and so on. The financial institution 2 must propose an option to increase the service or increase the customer's income or reduce the investment risk or reduce the charge as the volume increases, as an option for the investor 1 .

An expert center 30. First, the platform will hire or solicit experts or external experts from investors to evaluate the opinions and post them on the Internet, and exchange new assessments and messages at any time. Investors can choose and collect orders online. Experts have been keeping track of the announcement at any time, and sent the initiative to the investor 1 to receive the website or mobile phone to reduce the risk. Provide financial-specific SNS (social network system) for everyone to discuss and socialize and make friends at any time.

A decision center 35 receives messages from the pre-ordered financial product unit 10, the financial services provider database 15, the supplier bidding unit 20, and the expert center 30 for the investor to make a decision. The decision center 35 contains predetermined decision mechanisms to make decisions that determine the financial institution 2 and the corresponding transaction to be selected.

In the decision-making unit, after the evaluation of the above-mentioned expert unit by the website platform, the website platform evaluates the conditions provided by the financial institution, which is unfavorable or meager profit or unprofitable or risk hidden, and the analysis is complicated and difficult for the public. Or when the website platform finds that the supplier has joint monopoly pricing, the website platform can cancel the current order, or disclose the key points as much as possible. The participating investors use the tools provided by the website platform to vote.

An intra-network contracting unit 25, the selected financial institution 2 can apply the intra-network signing unit 25 to sign online with the investor 1.

The financial institution 2 can also sign the contract with the investor 1 for the substantive documents outside the network to ensure the rights and interests (the meaning also includes the procedures approved by the government of the local government in different regions).

Please refer to Figure 3, which shows an application example of this case, which is applied to the deposit of the single deposit. The investor 1 proposes a deposit in the pre-purchased financial commodity unit 10, and after the aggregation, the website platform simultaneously deposits work with a plurality of financial institutions 2 (mainly banks). This website platform distributes the deposit to various financial institutions 2 (such as banks) with the security, profitability and service quality of bank deposits. Move at any time to facilitate depositors. The financial institution 2 may be required to provide the joint service 40 because of the large amount. It is therefore possible to withdraw funds at all banks; and to waive or lower the handling fee. Can reduce overall costs. Any single-single customers who participate in our platform can enjoy various services due to the single-effect exemption or the bottom-down fee, including the non-deposit bank and the counter service and the competition service. Any single-single customers who participate in our platform can participate in financial institutions' service products, such as safe deposit box, asset management/competition service, due to the single-effect effect. Based on the purpose of many participants, only in the hedging and hedging value,

Please refer to FIG. 4, which shows another application example of the present case. In this example, the individual's scheduled loan is collected in a predetermined loan unit 10 (ie, the pre-purchased financial commodity unit 10). Benefits based on the future can be turned into bonds, so both the supply and demand sides can use the poly-single effect, issue (borrow) or invest in bonds (lending) to lower the cost. In addition, this example also includes a repayment unit 12, which can be repaid by means of salary, interest income, stock options, and the like.

Please refer to Figure 5, which shows another application example of this case. In this example, each person's currency is exchanged for online currency. The network has no borders. Therefore, through the powerful platform effect of this website platform, the network central bank can be issued. The effect of the currency is even greater than the cross-border credit card currently in use. Based on human life, consumption, savings, borrowing, investment, etc., money can not be separated from the currency, and the currency can be turned into a series of numbers and ambiguous. Therefore, the integration of the single. The establishment of borderless. The "net central bank currency" without exchange is human trend.

Please refer to FIG. 6 , which shows an application example of the present case. In this example, a financial product creation providing unit 60 is proposed to enable the investor 1 to propose a financial product idea, which is sent to the decision center 35 and via the expert center 30 . After the review is provided, the financial institution 2 bids through the financial institution supplier bidding unit 20, and the bidding condition is sent to the decision center to determine the bidding financial institution to execute the idea.

Please refer to FIG. 7 , which shows an application example of the present case. A financial product creative solicitation unit 65 can cause the financial institution 2 to solicit the conditions of the financial products required, and the condition is sent to the decision center and provided for review by the expert center. After the investor bids for the idea through the investor creative unit 70, the bidding condition is sent to the decision center to determine the bidder to execute the idea.

Another mechanism of the case is to propose a good function. Investors and financial institutions can set a profit target. When this goal is achieved, the two parties are willing to donate a certain percentage of profits to certain institutions. The website platform provides a list of donations for investors and financial institutions to pledge.

Please refer to FIG. 8 , which shows another application example of the present case. In this example, the personal exchange is collected in a foreign exchange payment unit 10 (ie, the pre-purchased financial commodity unit 10). Applying the aggregation function of the exchange unit 10 requires the financial institution 2 to reduce the cost of purchasing foreign exchange.

The traditional group purchase is the only one and the amount of money is set by the supplier. It attracts the buyer to participate. However, in this case, the buyer actively aggregated the order. From the beginning to reach a certain quantity, it is provided by a similar supplier to reverse bidding, thereby deriving a plurality of suppliers and the buyer has multiple choice modes.

The advantages of this case are as follows. The financial products in the prior art are all set by the financial institutions with certain conditions, and the investors subscribe, and the investors have no ability to bargain, especially for retail investors. In this case, the effect of the poly-single is used to aggregate a large number of scattered orders and then negotiate with the financial institutions. Because of the large volume, financial institutions must cut prices to sell and provide better services. In addition, this platform is regarded as a fixed business model with a wide coverage. The buyer gathers the order to accumulate the right to purchase the bargaining power; the seller is able to turn the zero into the whole, and buy more than the mall habits that will reduce the price. Use the platform to lower the cost of bargaining between the two parties.

In addition, after the aggregation, certain financial products, such as deposits, can be deposited with a number of financial institutions at the same time. All financial institutions are required to provide inter-bank joint services, thus increasing the convenience of investors. The central bank currency helps to unify the currency system. For cross-border transactions, multiple redemption procedures and related fees can be saved.

In addition, in this platform, it is possible to achieve the maximization of consumer rights by clearly indicating the reverse price range or maneuvering bidding at any time.

In summary, the humanized design of this case is quite in line with actual needs. The specific improvement of the existing defects is obviously a breakthrough improvement advantage compared with the prior art, and it has an improvement in efficacy and is not easy to achieve. The case has not been disclosed or disclosed in domestic and foreign literature and market, and has complied with the provisions of the Patent Law.

The detailed description of the preferred embodiments of the present invention is intended to be limited to the scope of the invention, and is not intended to limit the scope of the invention. The patent scope of this case.

1. . . Investors

2. . . Financial Institutions

3. . . expert

10. . . Pre-ordered financial commodity unit

11. . . processor

12. . . Memory unit

15. . . Financial service provider database

20. . . Financial institution supplier bidding unit

25. . . Intranet contracting unit

30. . . Expert center

35. . . Decision center

40. . . Joint service mechanism

60. . . Financial product creation unit

65. . . Financial commodity creative solicitation unit

70. . . Investor creative unit

100. . . Website platform

500. . . Central server

600. . . Subscriber unit

Figure 1 shows the hardware architecture of the case.

Figure 2 shows the block diagram of the elements of the financial poly-single effect of this case.

Figure 3 is a block diagram showing the components of the application example of the joint service of the present case.

Figure 4 shows the block diagram of the components of the loan list in this case.

Figure 5 shows the block diagram of the exchange component of the online central bank in this case.

Figure 6 shows the block diagram of the components of the financial product creation mechanism in this case.

Figure 7 shows the block diagram of the components of the financial product creative solicitation mechanism in this case.

Figure 8 shows the block diagram of the components of the currency exchange unit unit in this case.

1. . . Investors

2. . . Financial Institutions

3. . . expert

10. . . Pre-ordered financial commodity unit

15. . . Financial service provider database

20. . . Financial institution supplier bidding unit

25. . . Intranet contracting unit

30. . . Expert center

Claims (15)

A website structure of a financial pool, comprising: a central server mainly for constructing a website of the financial transaction; the central server is connected to at least one subscriber unit, wherein the subscriber unit can directly communicate with the central server via a Web Browser The user unit includes an investor, a financial institution, etc.; wherein the central server includes a processor and a memory unit for performing and storing the operation and operation results of the relevant unit; a pre-purchased financial commodity unit, the investor The investor computer inputs a pre-purchased financial product to a designated financial institution in the financial service provider; other investors may join through the affiliated investor's computer to form a poly-order, and the pre-purchased financial commodity unit records the total pre-purchase quantity and a financial product name; and a financial institution supplier bidding unit, receiving a corresponding price and service of the designated financial institution for the pre-purchased financial product according to the investment amount; may be immediately proposed by the financial institution or captured by the financial institution supplier database Information; the financial institution must propose an increase in service as the volume increases Increase customer revenue or reduce investment risk reduction programs or fees to investors as an option; For example, the website structure of the financial pooling form of the patent application scope 1 includes: a financial service provider database, which records all participating financial commodities, and registers them by real-name system; records the financial investment projects that can be provided; savings projects; insurance; And various financial products; and financial services that can be expected to be various services or benefits or guarantees or additional insurance; an expert center, which is hired by the platform or consulted by experts or external experts in the evaluation, and then posted the opinions online. Investors can select and collect information at any time; investors can select and collect orders online; experts can keep track of announcements at any time, and send them to investors to receive websites or mobile phones to reduce the risk; and a decision-making center receives financial units from the pre-purchased , the financial services provider database, the supplier bidding unit, and the information of the expert center to enable the investor to make a decision; the decision center contains a predetermined decision mechanism to make the decision and decide the financial institution to be selected and the corresponding transaction decision. For example, the website structure of the financial financial order of the second application patent scope includes: an intra-network contracting unit, and the selected financial institution can apply the online contracting unit to sign the contract with the investor online. For example, the website structure of the financial consolidation form in the second application of the patent scope, in which the investor fills in the form of the Internet or download or mail by any name in the real name system; the form expresses the needs of the applicant in any country or region. Any amount of financial goods, tools, activities, services, and the amount of money they wish to participate in; the purpose is to combine more individuals to become a large number of pools and thus obtain active bargaining power; and financial institutions or whatever type of supply The quotation of the entity or non-physical supply service of the spot or futures type based on the project, amount, requirements and conditions is used in this website to compete for the supplier's demand for using the network to facilitate large orders. For example, the website structure of the financial financial order of claim 2, wherein the pre-purchased financial product is input by a keyword, and then the financial institution provides an approximate financial product for the investor to purchase. For example, the website structure of the financial financial order of claim 2, wherein the competition ratio of the financial institution can be set to be active display or passive display, and the active display person can actively display in the financial product list of the platform for the investor to take the initiative. Choice; passive display is displayed when the investor has entered the keyword or financial product name. Or the financial institution itself wants to analyze the competitive situation before bidding for the price or condition. For example, the website structure of the financial consolidation of the second application of the patent scope includes the bank, the investment, the investment, the insurance company, the futures dealer, the securities firm, the e-commerce payment, and various types of financial institutions in various regions of the country. For example, the website structure of the financial consolidation form of the second application patent scope, which also provides the financial special SNS (social network system) for everyone to discuss and socialize with friends and online learning financial investment knowledge. For example, the website structure of the financial consolidation form of the second application patent scope, in which the website platform simultaneously purchases financial goods from a plurality of financial institutions, and requires all financial institutions to provide inter-bank joint services. For example, the website structure of the financial pooling form of the second paragraph of the patent application, in which the individual's currency is converted into the online central bank currency E-Central Bank (ECBC) measurement (the same currency is only measured) (different currency measurement) And then through the powerful platform effect of the website platform to issue and match the network central bank currency; the period is from one day to no period; the supply and demand sides can be based on the currency/period/ECBC unit, and the future will be ECBC exchanges back to the desired currency, which is fairly matched by the platform electronic system. The entity delivery and custody is still served by the supplier financial institution to reduce the exchange risk and the bottoming cost. For example, the website structure of the financial pool of the second application patent scope includes a financial product creative providing unit that allows investors or anyone to propose a financial product idea on the platform. The idea is sent to the decision center and passed the expert. After the center provides the review, the financial institution bids, bids through the financial institution's supplier bidding unit, and sends the bidding conditions to the decision-making center to determine the winning financial institution to execute the idea. For example, the website structure of the financial consolidation form of the second application patent scope includes a financial product creative solicitation unit that allows the financial institution to solicit the conditions of the financial products required. This condition is sent to the decision-making center and is provided for review by the expert center. After that, the investor bids for the idea through the investor creative unit, and sends the bidding condition to the decision center to determine the bidder to execute the idea. For example, in the website structure of the financial consolidation form of claim 2, in the decision-making unit, after the evaluation of the above-mentioned expert unit by the website platform, the website platform evaluates the conditions provided by the financial institution, which is unfavorable or meager or unprofitable to the investor. If the profit or risk is hidden and the analysis is complicated and difficult to find in the public, or when the website platform finds that the supplier has joint monopoly pricing, the website platform can cancel the current order, or disclose the key points as much as possible. Use the tools provided by the website platform to vote. For example, the website structure of the financial consolidation form in the second paragraph of the patent application, in which the investor proposes a deposit in the pre-purchased financial commodity unit, the deposit of the parent account is simultaneously performed by the website platform to a plurality of financial institutions. . And require financial institutions, individuals who allow sub-accounts can also enjoy inter-bank services, other similar goods or services analogy. For example, the website structure of the financial financial order of claim 4, wherein the individual can issue bonds of each body through the financial institution. Therefore, the demand side can be combined into a large amount by the poly-single effect, and the qualified financial institutions compete. More than services, issuance (borrowing) or investment bonds (loan), available wages, interest income, stock options... credits, assets, etc.