TWI629656B - A debt trading platform - Google Patents

Abstract

A creditor trading platform that allows creditor object trusts and divisions through third-party trust units so that the interests of both borrowers and investors can be balanced. Borrowers can introduce more investors because of trading platforms and split claims. Investors also Because of debt trusts and split claims, not only can transaction security be lowered, but investment thresholds can be lowered. The split claims can be sorted to facilitate investors to evaluate the investment value of each claim.

Description

Credit trading platform

The invention relates to an online trading platform in the field of financial technology, in particular to a credit trading platform, which provides a creditor's right to a platform for unspecified person transactions by dividing the creditor's rights and sorting.

Generally, individuals have to make loans with banks, which can usually be divided into two types: personal credit consumer loans and real estate loans. Personal credit consumption loans are mostly low loan amount, short loan period, and collateral-free. The review of nuclear loans is mainly based on the credit status of the borrower itself (also known as the joint report). If the loan amount is high, the bank usually asks for real estate mortgage as a guarantee for the loan. The borrower must sign a loan contract with the bank and propose the real estate of the borrower or others to the bank as a guarantee for the loan to set the maximum mortgage. Both the loan contract and the mortgage of the house are necessary procedures for the general bank to handle the house loan. It is not only the creditor's right of the guarantee bank itself, but also the borrower's repayment obligation. However, for banks or lending financial institutions, although they have obtained a long-term debt asset, they have also lost the liquidity of funds.

In order to solve this problem, Zhongfang Dihe's Republic of China Patent I390462 "bidding-type online debt financing method", as shown in Figure 1, provides a network credit bidding platform, including the following steps: Will apply, confirm the identity, the management unit sets the creditor object, the investor sets the bidding conditions, conducts the match and guarantees the creditor's rights. The focus of this patent is The online creditor bidding platform will first classify the creditor's rights items into Class A: low-risk low-income; Class B: moderate-risk moderate-income; and Class C: high-risk high-income, and classify investors into Category A: Risk enthusiasts and bidding for Class C credits; Category B: risk neutrals and bidding for certain types of debts of Class B; Category C: risk repellents and bidding for Class A credits; and Ding. They believe that this can effectively use the Internet to finance the financing of debts, to provide investors with a reasonable return on investment, and to provide a refinancing pipeline for managing claims. However, for investors, investing a large sum of money on the Internet once, and without the witness of a fair third party, can not help but deter.

Please refer to the 2 Series for the Republic of China Patent I314295 “Simultaneous Bidding Platform for Funds Borrowing and Loaning”, which exposes a simultaneous bidding platform for both parties to borrowing and lending, based on the principle of bidding for different rights and obligations, each group has the same name ( Interest) and the same unit (interest rate) bidding, and want the borrower to win with the highest interest rate, and want the investor to win with the lower interest rate. Based on the above purposes, a simultaneous bidding platform for both parties to the creation of the funds is provided. At the same time, the bidding platform includes a capital loan module, a capital investment module and a matching module. The fund borrowing module receives a plurality of loan borrowing orders. The loan order contains at least the amount of the loan and the interest rate of the borrowing. The capital investment module receives a plurality of investment orders. The investment bill contains at least the risk level, the amount of investment and the investment rate. The risk level is divided into minimum risk and high risk from low to high. The matching module is based on the winning rules, and the borrowing documents belonging to the highest borrowing rate are sequentially matched with the investment documents classified as the lowest risk and higher risk and the lowest investment interest rate in the risk level. The loan documents that are the winners of the borrowings are determined one after another, and the investment documents belonging to the successful bidders. This patent only reveals that both investment and lending can bid to make the bidding process more efficient.

Please refer to Figure 3 for the Republic of China patent M526136 for the Internet family. “Let the media system” exposes an asset transfer system, which receives and stores the asset information to be transferred from the transfer operation module and the transfer database, and receives the investor’s subscription order from the investment operation module, and The module updates the steps of transferring the database to meet the asset transfer needs between the demander and the investor who have the asset transfer. The types of assets in this embodiment include creditor's rights and accounts receivable. The creditor's rights in this embodiment refer to the creditor's rights arising from the transfer of demand, and the accounts receivable refer to the transfer of demand due to the sale of goods or the provision of services. Accounts receivable arising from the relationship. Therefore, in the step of receiving and storing assets, the asset information received by the transfer operation module 11 of the asset transfer matching system 1 may be debt information or accounts receivable data, and the type of assets input by the transfer requester is considered. The asset information also includes the amount of the loan or the account and the number of days of maturity. If the asset type is a creditor's right, it may include the interest rate, the number of periods, and the use of the loan, so that investors can make reference for investment. This patent only exposes the platform of asset transfer/investment matching, and does not disclose the technical features of credit splitting and sorting.

Although there is already a prior art to expose the use of the online bidding platform for refinancing of creditor's rights, it lacks a sense of trust and risk dispersion, so that there is no interest. Moreover, the creditor's rights transfer/transaction is characterized by the relative and non-exclusive nature of the creditor's rights, resulting in the creditor's rights/transactions being in the same position and without the application of priority.

The invention provides a creditor trading platform, which can deliver the debt to be financed to an impartial third-party unit trust, and the trust unit can be divided into a plurality of smaller claims according to the value of the original claim, and then provided to the unspecified investor for investment. . Moreover, the split claims can be sorted so that investors can more accurately assess the true value of investment claims.

The debt trading platform provided by the invention has a fair third party unit trust, which makes the network debt financing/transaction more secure. Moreover, the trust unit can divide the original creditor's rights into a plurality of smaller claims, greatly reducing the threshold of investment, and also has the effect of diversifying risks. Moreover, because the split claims are sorted, there will naturally be differential pricing, and the bidding mechanism can also be used to determine the transaction, making the debt transaction more efficient.

Referring to Figure 4, the present invention provides a credit trading platform. According to the module diagram of FIG. 4, the borrower 100 first logs into the online trading platform 200, and the online trading platform 200 determines the login identity through the identity confirmation module 210, wherein the identity confirmation conditions include: identity card number, bank account , birthday, work, address and income, etc. When the identity confirmation module 210 completes the identity confirmation of the borrower 100, the borrower 100 is required to upload the creditor object information, and the online transaction platform 200 stores the creditor object information through the receiving module 220, and the creditor object information may include: a house, a car , installment payment and purchase credit, lease credit, loan credits and other items. The credits are transmitted to the external trust unit 300 via the receiving module 220. The trust unit 300 can be a bank, a lawyer or a notary. After receiving the credit, the trust unit 300 first evaluates the value through the valuation module 310. Then, the credit object is divided into a plurality of sub-debt objects by the segmentation module 320, and the plurality of sub-debt objects are sorted by the sorting module 330. The segmented and sorted sub-debt objects are transmitted by the sequencing module 330 to the shelf module 230 of the online trading platform 200 for display to unspecified investors. If an investor 110 is interested in investing in the subordinated claims, he or she may first determine the login status through the identity confirmation module 210, and then subscribe through the transaction module 240, because the subordinate credit items of different serial numbers may be different. of Pricing, the subscription here can be a sub-debt object that subscribes to a unit serial number, or a sub-debt object with multiple unit serial numbers, and can also be subscribed by means of bidding. When the transaction module 240 completes the transaction record, the settlement module 250 notifies the investor 110 to make a payment, and the payment can be made through the gold flow system of the transaction platform 200 or through the golden flow system of the trust unit 300. Pen transaction. It is worth noting that after the trust unit 300 divides the credit object into a plurality of sub-debt objects through the segmentation module 320, a trust property distribution table can also be produced to ensure the rights and interests of each investor, and After completing the settlement process, the investor who has paid the investment amount is indicated in the list of owners of the trust property distribution form. The segmentation procedure of the segmentation module 320 may be based on the total value of the debt object to determine the number of divisions, for example, less than 100,000 yuan is divided into 2 equal parts, 500,000 yuan is divided into 10 equal parts, and 1 million yuan is divided into 20 equal parts; It is also possible to plan the value of each aliquot in advance, for example, each unit is 10,000 yuan or 20,000 yuan, and then the sorting module 330 can adjust the amount of the bonus according to each unit of subordinate claims. The main purpose of the present invention is that the divided and sorted sub-debt objects are more secure for the investor. If the borrower only repays part of the amount in the future, the platform can determine the priority of each time and the claims according to the serial number. Because the traditional assessment of creditor's rights is an evaluation of a single claim, the present invention divides the value of a single claim into multiple subordinated claims by means of segmentation and sorting, and has different value assessments.

Please refer to FIG. 5 for a schematic diagram of the process of the present invention. First, the user must first log in to the platform S100. The platform first confirms that the user's identity S200 is a borrower or an investor, and the conditions for identity confirmation include: identity card number, bank Account, birthday, work, address and income. If the user is a borrower, the platform will ask the user to upload the credit object information S300, and the credit object information may include: a house, a car, an installment purchase and sale credit, a lease credit, Loan claims and other items. Then, the creditor object information will be transmitted to the third-party external trust unit to deliver the trust S400. After receiving the creditor object, the trust unit will first perform the creditor object value evaluation S500, and the completed creditor object will be divided into creditor rights S600. Second, it will be handed over to the sorting module to prioritize these subordinated claims objects S700. The sub-debt objects that are divided and sorted are transmitted to the platform for sale, so that the investment may be made by the unspecified investors. The transaction may be a sub-debt object that subscribes to one unit serial number at a time, or may be a sub-recognition item of multiple unit serial numbers. Debt objects can also be subscribed through competitive bidding. When the investor completes the transaction, the platform will send settlement information to the investor to complete the settlement process S900.

Referring to Figure 6, the present invention provides a credit trading platform. According to the schematic diagram of the module in FIG. 6, the present invention can also set the splitting module and the sorting module in the credit trading platform. The borrower 100 will first log into the online trading platform 200. The online trading platform 200 will determine the login status through the identity confirmation module 210, wherein the identity confirmation conditions include: identity card number, bank account, birthday, job, address and income. When the identity confirmation module 210 completes the identity confirmation of the borrower 100, the borrower 100 is required to upload the creditor object information, and the online transaction platform 200 stores the creditor object information through the receiving module 220, and the creditor object information may include: a house, a car , installment payment and purchase credit, lease credit, loan credits and other items. The credits are transmitted to the rating module 310' via the receiving module 220 to evaluate the value, and the weighting object is further divided into a plurality of secondary credits by the segmentation module 320', and the plurality of subordinates are processed by the sorting module 330'. Subordinated claims are sorted. The segmented and sorted sub-debt objects are transmitted to the shelf module 230 for display to unspecified investors. If an investor 110 is interested in investing in the subordinated claims, he or she may first determine the login status through the identity confirmation module 210, and then subscribe through the transaction module 240, because the subordinate credit items of different serial numbers may be different. Pricing, here The subscription can be a sub-debt object that subscribes to a unit serial number, or a sub-debt object with multiple unit serial numbers, and can be subscribed by means of bidding. When the transaction module 240 completes the transaction record, the settlement module 250 notifies the investor 110 to make a payment, and the payment here can complete the transaction through the gold flow system matched by the transaction platform 200.

The credit transaction platform and method of the present invention are essentially commercial methods, but in fact, because the operation details of the platform of the present invention are very complicated, it is definitely not possible by manual calculation, and thus the present invention is a business method operated by a computer or the like. And is the appropriate standard as stipulated in the patent law.

100‧‧‧ Borrower

110‧‧‧Investors

200‧‧‧ trading platform

210‧‧‧ Identity Confirmation Module

220‧‧‧ receiving module

230‧‧‧Upper module

240‧‧‧Transaction module

250‧‧‧Settlement Module

300‧‧‧trust unit

310,310’‧‧‧Price Module

320,320'‧‧‧ split module

330,330’‧‧‧Sorting module

Figure 1 is a flow chart of I390462.

Figure 2 is a schematic diagram of I314295.

Figure 3 is a schematic diagram of M526136.

Figure 4 is a schematic view of the module of the present invention.

Figure 5 is a flow chart of the present invention.

Figure 6 is a block diagram of an embodiment of the present invention.

Claims (10)

A credit trading platform may be linked to an external trust unit, the trading platform comprising: an identity confirmation module for identifying the identity of a user, the user being a borrower and/or an investor; The group may receive a single credit item uploaded by the user; a shelf module may provide the single credit object to an unspecified investor for transaction; and a transaction module may receive the transaction of the user. Message; a settlement module is settled according to the result of the transaction module, and can be traded by using a cash flow system; wherein the trust unit has a segmentation module and a sorting module, and the transaction platform receiving module The single creditor object transmitted is divided into a plurality of sub-debt objects, and the plurality of sub-debt objects are sorted, displayed through the shelf module, and the sorting module is used to adjust the order according to the order of the plurality of subordinated claims. The amount of money gives each of the multiple subordinated claims objects a different valuation. According to the debt trading platform of claim 1 of the patent application scope, the trust unit further has an authentication module. According to the claim transaction platform of claim 1, wherein the identity confirmation module confirms the condition as an identity card number, a bank account, a birthday, a job, an address, or an income. According to the credit trading platform of claim 1 of the patent application scope, the creditor object may be one of a house, a car, an installment purchase and sale credit, a lease credit, and a loan credit. According to the credit trading platform of claim 1 of the patent application scope, the segmentation module divides the creditor object into a plurality of subordinate creditor objects, and produces a trust property distribution table. According to the claim trading platform of claim 1, the transaction message may be a sub-debt object that subscribes to one unit serial number or multiple unit serial numbers at a time, and may also be subscribed by means of bidding. According to the claim transaction platform of claim 1, wherein the segmentation procedure of the segmentation module may be based on the total value of the debt object to determine the number of divisions or to plan the value of each aliquot in advance. According to the credit trading platform of claim 1 of the patent application scope, the shelf module may be differentially priced according to the serial number of each subordinate creditor object. According to the credit trading platform of claim 1, wherein the trust unit may be one of a bank, a lawyer or a notary. A credit trading platform, the trading platform comprising: an identity confirmation module for identifying the identity of a user, the user is a borrower and/or an investor; and a receiving module is capable of receiving the use Uploading a single claim object; a split module can divide the single credit object into a plurality of sub-debt objects; a sorting module can sort the plurality of sub-debt objects; The system may provide a creditor object to an unspecified investor for trading; a transaction module may receive a transaction message of the user; A settlement module is settled according to the result of the transaction module, and can be traded by using a gold flow system; wherein the sequencing module can adjust the amount of the addition according to each unit of subordinate claims to make each unit secondary Debt objects have different valuations.