TWM629230U - Funding level calculation and batch transfer transaction system suitable for market bidding - Google Patents

Abstract

A fund level calculation and batch transfer transaction system suitable for market bidding. When the online bank server receives the information of the underwriter and inquires out the corresponding prepaid price deposit account, the allowable loan amount is calculated, and then deposits are based on the prepaid price. The balance of the special account is added to the allowable loan amount to calculate the fund level information corresponding to the underwriter's information. When the underwriter installs a bidding information request on the market bidding server, the market bidding server can judge the underwriting based on the fund level information. Whether the vendor's device can be approved to participate in the bidding, when the underwriter's device is approved to participate in the bidding, the guaranteed amount will be transferred from the prepaid price deposit account to the market bidding account. When the bidding is completed, the market bidding server will all bids are successful. The bidding information request to generate batch transfer information and send it to the online banking server, the online banking server can transfer funds in batches according to the batch transfer information, so as to achieve the calculation and batching of fund level suitable for market bidding. Technical efficacy of secondary transfer transactions.

Description

Fund water level calculation and batch transfer transaction system suitable for market bidding

A financial transaction system, especially a financial transaction system for fund level calculation and batch transfer transactions provided for market bidding.

When the existing underwriters want to bid in the market, they need to store sufficient funds in the prepaid price deposit account, and then transfer the deposit from the prepaid price deposit account to the market bidding account first. When the underwriter bids successfully, Then, the difference between the bidding amount and the guaranteed amount will be transferred to the market bidding account from the prepaid price deposit account.

When the prepaid premium deposit account does not have sufficient funds, the underwriter is required to deposit funds in the prepaid premium deposit account, or the underwriter can obtain corresponding funds in the prepaid premium deposit account by applying for a loan. However, if the underwriter fails to bid, the underwriter's loan procedure is slightly redundant.

To sum up, it can be seen that there has been a long-standing existing market bidding in the prior art that requires the underwriter to have a sufficient amount in the prepaid price deposit account to conduct bidding, so that the underwriter needs to supplement funds or apply for a loan to meet the prepaid price. There is a problem that there is enough money in the special gold deposit account, so it is necessary to propose improved technical means to solve this problem.

In view of the existing market bidding in the prior art, it is necessary for the underwriter to have sufficient funds in the prepaid price deposit account to conduct bidding, so that the underwriter needs to supplement funds or apply for a loan to meet the requirement that the prepaid price deposit account has sufficient funds. In order to solve the problem of the amount of money, this creation discloses a fund level calculation and batch transfer transaction system suitable for market bidding, in which:

The fund level calculation and batch transfer transaction system suitable for market bidding disclosed in this creation enables underwriters to provide information, including: Internet banking server, market bidding server and underwriters equipment, Internet banking server It also includes: underwriter management module, trial calculation and loan approval module, and financial transaction module; the market bidding server also includes: information transmission module, bidding qualification review module and transfer information generation module.

The underwriter management module of the online banking server stores corresponding underwriter information and prepaid premium deposit account, receives the underwriter information, and queries the corresponding prepaid premium deposit account according to the received underwriter information; The trial calculation and loan verification module of the bank server calculates the allowable loan amount corresponding to the received underwriter information when the underwriter management module queries the prepaid price deposit account, and then calculates the balance of the prepaid price deposit account. Add the allowable loan amount to calculate the fund level information corresponding to the underwriter information and transmit the fund level information, and when the difference between the transfer amount and the guaranteed amount is greater than the balance of the prepaid price deposit account, the corresponding prepaid price The special deposit account carries out the loan approval process; and the financial transaction module of the Internet banking server receives the information of margin transfer to transfer the guaranteed amount from the special account of prepaid price deposit to the special account for market bidding according to the information of margin transfer, and to receive batches Transfer information to transfer funds in batches based on batch transfer information.

The information transmission module of the market bidding server is to receive the bidding information request from the underwriter's device, send the underwriter information in the bidding information request to the underwriter management module, and receive funds corresponding to the underwriter information from the underwriter management module Water level information, sending margin transfer information to the underwriter management module, and sending batch transfer information to the underwriter management module; the bidding qualification review module of the market bidding server is when the bidding amount in the bidding information request is added up When the total bidding amount is less than or equal to the fund level information corresponding to the underwriter information in the bidding information request, the bidding information request is approved to participate in the bidding; and the transfer information generation module of the market bidding server is when the bidding information request is approved to participate in the bidding. Generate margin transfer information, and generate batch transfer information for all successful bid information requests.

The system disclosed in this creation is as above, and the difference between it and the prior art is that when the online banking server receives the underwriter information and inquires about the corresponding prepaid premium deposit account, the allowable loan amount is calculated, and then deposits are made according to the prepaid premium. The balance of the special account is added to the allowable loan amount to calculate the fund level information corresponding to the underwriter's information. When the underwriter installs a bidding information request on the market bidding server, the market bidding server can judge the underwriting based on the fund level information. Whether the vendor's device can be approved to participate in the bidding, when the underwriter's device is approved to participate in the bidding, the guaranteed amount will be transferred from the prepaid price deposit account to the market bidding account. When the bidding is completed, the market bidding server will all bids are successful. 's bidding information requests to generate batch transfer information and send it to the online banking server, and the online banking server can transfer funds in batches according to the batch transfer information.

Through the above technical means, this creation can achieve the technical effect of providing capital level calculation and batch transfer transactions suitable for market bidding.

The following will describe the implementation of the present creation in detail with the drawings and examples, so as to fully understand and implement the implementation process of how the present creation applies technical means to solve technical problems and achieve technical effects.

The following first describes the fund level calculation and batch transfer transaction system applicable to market bidding disclosed in this creation, and please refer to "Figure 1". "Figure 1" shows this creation suitable for market bidding The system block diagram of the fund level calculation and batch transfer transaction system.

The fund level calculation and batch transfer transaction system suitable for market bidding disclosed in this creation enables the underwriter device 30 to provide information, which includes: the online banking server 10 and the market bidding server 20 , the online banking server 10 It further includes: an underwriter management module 11, a trial calculation and loan approval module 12, and a financial transaction module 13; the market bidding server 20 further includes: an information transmission module 21, a bidding qualification review module 22 and a transfer information generation module twenty three.

The online banking server 10, the market bidding server 20 and the underwriter device 30 are all different presentation forms of computing devices. The online banking server 10 and the market bidding server 20 tend to focus on the computing performance, data analysis, The performance of data security protection and data mass storage, etc., the underwriter device 30 tends to focus on the personal use of computing equipment, which is only an example, and does not limit the application scope of this creation.

Please refer to "Fig. 2", which is a schematic diagram of the components of the computing device proposed in this creation.

The computing device mentioned in this creation includes, but is not limited to, one or more processors 401 , one or more memory modules 402 , and hardware elements such as bus bars 403 , wherein the bus bars 403 can be connected to different hardware elements . Through the multiple hardware components included, the computing device can load and execute the operating system, so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing 409 within which the various hardware components described above are disposed.

The bus 403 of the computing device proposed in the present invention may include one or more types, such as a data bus, an address bus, a control bus, and an extended function bus. (expansion bus), and/or local bus (local bus) and other types of bus. Buses for computing devices include, but are not limited to, Side-by-Side Industry Standard Architecture (ISA) buses, Peripheral Component Interconnect (PCI) buses, Video Electronics Standards Association (VESA) Local Buses, and Serial Generic Serial Buses (USB), Peripheral Component Interconnect Express (PCI-E) bus, etc.

The processor 401 of the computing device proposed in the present work is coupled to the bus 403 . The processor 401 includes a register bank or register space, and the register bank or register space can be completely disposed on the processing wafer, or all or part of it can be disposed outside the processing wafer and via a dedicated electrical circuit. Connected and/or coupled to the processor via the bus. Processor 401 may be a processing unit, microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and are coupled and communicated through a bus. The processor 401 can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., so as to run the operating system or execute various programs, modules, and/or or element.

The processor 401 of the computing device may be coupled to the chip set or electrically connected to the chip set through the bus bar 403 . Chipsets are composed of one or more integrated circuits (ICs), including memory controllers and peripheral I/O controllers, that is, memory controllers and peripheral I/O controllers can be included in Within one integrated circuit, it can also be implemented using two or more integrated circuits. Chip sets usually provide I/O and memory management functions, and provide a plurality of general-purpose and/or special-purpose registers, timers, etc., wherein the above-mentioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor 401 of the computing device can also access data in the memory module 402 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 402 includes any type of volatile memory (volatile memory) and/or non-volatile memory (NVRAM), such as static random access memory (SRAM), dynamic random memory Take memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area can include any type of storage device or storage medium, such as a hard disk drive, an optical disc, a pen drive (flash memory), a memory card (memory card), a solid state hard disk (Solid State Disk, SSD), or any other storage device, etc. That is, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drive, and solid state hard disk.

The processor 401 of the computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral I/O controller via the bus bar 403 . The peripheral input device can be any type of input device, such as keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a monitor, printer, etc., the peripheral input device The peripheral output device can also be the same device, such as a touch screen. The communication interface may include a wireless communication interface and/or a wired communication interface, and the wireless communication interface may include a wireless local area network such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G and other mobile communication networks The interface of the wireless data transmission protocol or other wireless data transmission protocol, the wired communication interface can be an Ethernet network device, an asynchronous transfer mode (ATM) device, a DSL modem, a cable modem, etc. The processor 401 can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the components described above. .

The execution functions mentioned in the online banking server 10 , the market bidding server 20 and the underwriter device 30 are usually generated after the processor 401 in the respective computing devices executes a specific program loaded into the memory module 402 . or included in the processor 401 .

Please refer to "Fig. 1" again, the underwriter's device 30 is, for example, a general computer, a notebook computer, a tablet computer, a smart device, etc. This is only an example, and is not intended to limit this creation. In the field of application, the underwriter device 30 establishes a connection with the online banking server 10 through a wired transmission method or a wireless transmission method, and the underwriter device 30 can log in to the online banking server 10. The aforementioned wired transmission method is, for example, a cable network Road, optical fiber network, etc. The aforementioned wireless transmission methods are, for example, Wi-Fi, mobile communication network, etc., which are only for illustration here, and are not intended to limit the scope of application of this creation.

The underwriter device 30 establishes a connection with the market bidding server 20 through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc. -Fi, mobile communication network, etc., are only illustrative here, and are not intended to limit the application scope of this creation. The underwriter device 30 then logs in to the market bidding server 20 and receives the bidding page provided by the market bidding server 20. The input bidding information request is sent to the information transmission module 21 of the market bidding server 20. The market bidding server 20 may be a meat market, a vegetable and fruit market, a flower market, etc., and the underwriter device 30 bids Commodities are various parts of pork, various parts of beef, apples, guava, roses, chrysanthemums, etc. This is only an example and does not limit the application scope of this creation.

The market bidding server 20 establishes a connection with the online banking server 10 through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc. : Wi-Fi, mobile communication network, etc., this is only an example, and is not intended to limit the application scope of this creation. When the information transmission module 21 of the market bidding server 20 receives the bidding information request from the underwriter device 30 , the information transmission module 21 of the market bidding server 20 sends the underwriter information in the bidding information request to the underwriter management module 11 of the online banking server 10 .

Next, the underwriter management module 11 of the online banking server 10 queries the corresponding prepaid premium deposit account according to the underwriter information, and the trial calculation and loan approval module 12 of the online banking server 10 can find out the corresponding prepaid premium deposit account according to the underwriter information. The corresponding allowable loan amount is calculated by the prepaid price deposit special account of the bank. The trial calculation and loan approval module 12 of the online banking server 10 obtains the corresponding credit score from the joint financial credit center according to the information of the underwriter, and then according to the credit score Find out the corresponding loan approval level, and multiply the balance of the prepaid price deposit account by the approval loan level to calculate the allowable loan amount. (Application Programming Interface, API) method to obtain the corresponding credit score from the Financial Joint Credit Information Center, and a credit rating range corresponds to a credit score range. ...etc. The credit score ranges are, for example: 451 to 550, 351 to 450, 201 to 350, etc. This is only an example, and does not limit the application scope of this creation. The trial calculation of the online banking server 10 The loan approval module 12 calculates the fund level information corresponding to the underwriter information according to the balance of the prepaid price deposit account plus the corresponding allowable loan amount.

Specifically, please refer to "Fig. 3", "Fig. 3" is a schematic diagram of the information presentation of the fund level calculation and batch transfer transaction applicable to market bidding for this creation. The prepaid price deposit account 51 The account 511 is "underwriter A" and the account 512 is "5050-50-06037-3-00", the account balance 52 is "50000", the allowable loan amount 53 is calculated as "40000", and the account balance 52 is "50000" plus the allowable loan amount 53 is "40000" and the calculated capital level 54 is "90000"; the account 511 in the prepaid premium deposit account 51 is "underwriter B" and the account 512 is "5050- 50-06038-2-00", the account balance 52 is "60000", the allowable loan amount 53 is calculated as "50000", and the account balance 52 is "60000" plus the allowable loan amount 53 is "50000". The calculated capital level 54 is "110000"; and the account 511 in the prepaid premium deposit account 51 is "underwriter C" and the account 512 is "5050-50-06039-1-00", and the account balance 52 is " 80000", the allowable loan amount 53 is calculated as "60000", the fund level 54 calculated by adding the account balance 52 as "80000" and the allowable loan amount 53 as "60000" is "140000", here It is only for illustration and does not limit the application scope of this creation.

The underwriter management module 11 of the online banking server 10 then transmits the fund level information to the information transmission module 21 of the market bidding server 20. When the bidding amount in the bidding information request is added up, the total bidding amount is less than or equal to the bidding amount. When the underwriter information in the information request corresponds to the fund level information, the bidding qualification review module 22 of the market bidding server 20 can approve the bidding information request to participate in the bidding.

When the bidding qualification review module 22 of the market bidding server 20 requests the bidding information to be approved to participate in the bidding, the transfer information generating module 23 of the market bidding server 20 can generate margin transfer information, and the margin transfer information includes the guaranteed amount, The prepaid price deposit account and the market bidding account, and the information transmission module 21 of the market bidding server 20 transmits the deposit transfer information to the underwriter management module 11 of the online banking server 10. The above-mentioned guaranteed amount can be A fixed value (for example: 5000, 10000, 15000... etc., this is only an example, and does not limit the application scope of this creation), the above-mentioned guarantee amount can also be set according to different underwriter information. Corresponding guarantee The amount, here is only an example, and does not limit the scope of application of this creation.

Then, the financial transaction module 13 of the online banking server 10 can transfer the guaranteed amount from the prepaid price deposit account to the market bidding account according to the margin transfer information, so that the underwriter corresponding to the underwriter device 30 can Participate in bidding for goods in the market.

Please refer to "Figure 4". "Figure 4" is a schematic diagram of the information change of the batch transfer process for the calculation of the fund level and the batch transfer transaction applicable to the market bidding for this creation.

When the market bidding server 20 completes the bidding, the transfer information generating module 23 of the market bidding server 20 requests all successful bidding information to generate batch transfer information. The batch transfer information includes multiple pieces of transfer information. The information transmission module 21 of the server 20 transmits the batch transfer information to the underwriter management module 11 of the online banking server 10. The following will describe the batch transfer information 61 with the batch "1". The transfer process, the online banking server The financial transaction module 13 of the server 10 is such that when the bid amount in the transfer information is “10000” less than the guaranteed amount of “20000”, the financial transaction module 13 of the online banking server 10 can calculate the difference between the bid amount and the guaranteed amount. For "10000" to be transferred from the market bidding account to the prepaid price deposit account, this is only for illustration and does not limit the application scope of this creation.

The following will explain the transfer process of batch transfer information 62 with batch "2", the bidding amount in the transfer information is "60000" greater than the guaranteed amount is "30000" and the difference between the bidding amount and the guaranteed amount is "30000" less than or equal to prepaid When the balance of the premium deposit account is "30000", the financial transaction module 13 of the online banking server 10 can transfer the difference between the bidding amount and the guaranteed amount as "30000" from the prepaid premium deposit account to the market bidding Special account, this is only a schematic illustration, and does not limit the application scope of this creation.

The following will describe the transfer process of batch transfer information 63 with batch "3". The bidding amount in the transfer information is "100000" greater than the guaranteed amount of "30000" and the bid amount is "100000" and the guaranteed amount is "30000". When the difference is "70000" greater than the balance of the prepaid price deposit account is "50000", the trial calculation and loan verification module 12 of the online banking server 10 first performs the credit verification procedure on the corresponding prepaid price deposit account (ie. The loan needs to be approved for 20000), and then the financial transaction module 13 of the online banking server 10 will transfer the difference between the bidding amount and the guaranteed amount as "70000" from the prepaid price deposit account to the market bidding account. It is a schematic illustration and does not limit the application scope of this creation.

The trial calculation and loan approval module 12 of the online banking server 10 further generates loan notification information after performing the loan approval process on the corresponding prepaid price deposit account, and the underwriter management module 11 of the online banking server 10 The loan notification information is transmitted to the underwriter device 30 and displayed.

The trial calculation and loan approval module 12 of the online banking server 10 further generates and stores loan management information after performing the loan approval process on the corresponding prepaid premium deposit account, and is further included in the management of the online banking server 10. The module 14 performs loan management of the prepaid gold deposit account according to the loan management information.

The trial calculation and loan approval module 12 of the online banking server 10 further generates a one-time password before performing the loan approval procedure for the corresponding prepaid price deposit account, and the underwriter management module 11 of the online banking server 10 generates a one-time password. The one-time password is sent to the underwriter device 30 and displayed. When the underwriter management module 11 of the online banking server 10 receives the one-time password and the one-time password verification is passed, the trial calculation and the online banking server 10 The loan approval module 12 then completes the loan application process for the difference between the bidding amount and the guaranteed amount.

The financial transaction module 13 of the online banking server 10 further generates a verification request (for example, identity verification, device verification, etc., and the identity verification is, for example, a certificate of a natural person, before performing the approval procedure for the corresponding prepaid premium deposit account). , biometric information authentication, etc., device authentication such as: IP address, MAC address, etc., this is only an example, and does not limit the application scope of this creation), underwritten by the online banking server 10 The merchant management module 11 transmits the verification request to the underwriter device 30 and displays it. When the underwriter management module 11 of the online banking server 10 receives the verification response and the verification response is passed, the online banking server 10 The financial transaction module 13 then completes the loan application process for the difference between the bidding amount and the guaranteed amount.

To sum up, it can be seen that the difference between this creation and the prior art is that when the online banking server receives the underwriter information and inquires about the corresponding prepaid price deposit account, the allowable loan amount is calculated, and then deposits are based on the prepaid price. The balance of the special account is added to the allowable loan amount to calculate the fund level information corresponding to the underwriter's information. When the underwriter installs a bidding information request on the market bidding server, the market bidding server can judge the underwriting based on the fund level information. Whether the vendor's device can be approved to participate in the bidding, when the underwriter's device is approved to participate in the bidding, the guaranteed amount will be transferred from the prepaid price deposit account to the market bidding account. When the bidding is completed, the market bidding server will all bids are successful. 's bidding information requests to generate batch transfer information and send it to the online banking server, and the online banking server can transfer funds in batches according to the batch transfer information.

This technical means can be used to solve the existing market bidding in the prior art. The underwriter needs to have enough money in the deposit account of the prepaid price to conduct bidding, so that the underwriter needs to supplement funds or apply for a loan to meet the prepaid price. There is a sufficient amount of money in the special gold deposit account, so as to achieve the technical effect of providing fund level calculation and batch transfer transactions suitable for market bidding.

Although the embodiments disclosed in this creation are as above, the content described is not used to directly limit the scope of patent protection of this creation. Anyone with ordinary knowledge in the technical field to which this creation belongs can make some changes in the form and details of the implementation without departing from the spirit and scope disclosed by this creation. The scope of patent protection for this creation is still subject to the scope of the appended patent application.

10: Internet Banking Server 11: Underwriter Management Module 12: Trial calculation and credit loan module 13: Financial Transaction Module 14: Management Modules 20: Market Bid Server 21: Information transmission module 22: Bid Qualification Review Module 23: Transfer information generation module 30: Underwriter device 401: Processor 402: Memory module 403: Busbar 409: Shell 51: Prepaid premium deposit account 511: Account 512:Account 52: Account Balance 53: Allowable loan amount 54: Funding level 61:Batch transfer information 62:Batch transfer information 63:Batch transfer information

Figure 1 shows the system block diagram of the fund level calculation and batch transfer transaction system suitable for market bidding. FIG. 2 is a schematic diagram of the components of the computing device proposed in this creation. Figure 3 is a schematic diagram of the information presentation of the fund level calculation and batch transfer transaction applicable to market bidding for this creation. Figure 4 is a schematic diagram of the information change of the batch transfer process of the fund level calculation and batch transfer transaction suitable for market bidding.

10: Internet Banking Server

11: Underwriter Management Module

12: Trial calculation and credit loan module

13: Financial Transaction Module

14: Management Modules

20: Market Bid Server

21: Information transmission module

22: Bid Qualification Review Module

23: Transfer information generation module

30: Underwriter device

Claims (10)

A fund level calculation and batch transfer transaction system suitable for market bidding, enabling an underwriter device to provide information, comprising: an online banking server, the online banking server further comprising: an underwriter management module , correspondingly store an underwriter information and a prepaid price deposit account, receive the underwriter information, and query the corresponding prepaid price deposit account according to the received underwriter information; module, when the underwriter management module inquires out the prepaid premium deposit account, calculates an allowable loan amount corresponding to the underwriter information, and adds the balance of the prepaid premium deposit account to the The allowable loan amount is calculated to calculate a fund level information corresponding to the underwriter information and transmit the fund level information, and when the difference between a transfer amount and a guaranteed amount is greater than the prepaid price deposit account When there is a balance, the corresponding prepaid price deposit account is verified and credited; and a financial transaction module receives a margin transfer information to transfer the guaranteed amount from the prepaid price deposit account according to the margin transfer information. Transfer funds to a market bidding special account, and receive a batch of transfer information to transfer funds in batches according to the batch transfer information; and a market bidding server, the market bidding server further includes: an information transmission module, which is automatically The underwriter device receives a bid information request, sends the underwriter information in the bid information request to the underwriter management module, and receives and communicates with the underwriter information from the underwriter management module. information corresponding to the fund level information, transmit the margin transfer information to the underwriter management module, and transmit the batch transfer information to the underwriter management module; a bidding qualification review module, when the The bidding information request is approved to participate in the bidding when the total bidding amount is less than or equal to the funding level information corresponding to the underwriter information in the bidding information request; and A transfer information generation module, when the bidding information request is approved to participate in the bidding, generates the margin transfer information, and generates the batch transfer information from all the bidding information requests that have successfully bid. The fund level calculation and batch transfer transaction system suitable for market bidding according to claim 1, wherein the batch transfer information includes a plurality of transfer information, and the financial transaction module performs batch transfer information for each transfer. During transfer, when the bid amount in the transfer information is less than the guarantee amount, the difference between the bid amount and the guarantee amount is transferred from the market bidding account to the prepaid price deposit account. The fund level calculation and batch transfer transaction system suitable for market bidding according to claim 1, wherein the batch transfer information includes a plurality of transfer information, and the financial transaction module performs batch transfer information for each transfer. When transferring money, when the bid amount in the transfer information is greater than the guaranteed amount and the difference between the bid amount and the guaranteed amount is less than or equal to the balance of the prepaid price deposit account, the bid amount will be compared with the guaranteed amount. The difference of the guaranteed amount is transferred from the prepaid price deposit special account to the market bidding special account. The fund level calculation and batch transfer transaction system suitable for market bidding according to claim 1, wherein the batch transfer information includes a plurality of transfer information, and the financial transaction module performs batch transfer information for each transfer. When transferring money, when the bid amount in the transfer information is greater than the guaranteed amount and the difference between the bid amount and the guaranteed amount is greater than the balance of the prepaid price deposit account, the trial calculation and credit verification module Perform a loan verification procedure on the corresponding prepaid price deposit account, and then transfer the difference between the bid amount and the guaranteed amount from the prepaid price deposit account to the market bidding account. The capital level calculation and batch transfer transaction system suitable for market bidding as described in claim 1, wherein the trial calculation and loan verification module generates a credit verification process on the corresponding prepaid price deposit account a loan notification information, the underwriter management module transmits the loan notification information to the underwriter device and displays it. The capital level calculation and batch transfer transaction system suitable for market bidding as described in claim 1, wherein the trial calculation and loan verification module generates a credit verification process on the corresponding prepaid price deposit account A loan management information is stored, and the online banking server further includes a management module, and the management module performs the loan management of the prepaid price deposit account according to the loan management information. The capital level calculation and batch transfer transaction system applicable to market bidding as described in claim 1, wherein the trial calculation and loan verification module generates a value before performing the loan verification procedure on the corresponding prepaid price deposit account. A one-time password, the one-time password is transmitted by the underwriter management module to the underwriter device and displayed, and the trial calculation and credit module When the one-time password is passed and the verification of the one-time password is passed, the credit approval procedure for the corresponding prepaid price deposit account is completed. The capital level calculation and batch transfer transaction system applicable to market bidding as described in claim 1, wherein the trial calculation and loan verification module generates a value before performing the loan verification procedure on the corresponding prepaid price deposit account. A verification request, which is transmitted by the underwriter management module to the underwriter device and displayed, when the underwriter management module receives a verification response and When the verification response is verified and passed, the credit approval procedure for the corresponding prepaid gold deposit account is completed. The fund level calculation and batch transfer transaction system suitable for market bidding according to claim 1, wherein the trial calculation and loan approval module is based on the underwriter information received in the underwriter quota application request Obtain a corresponding credit score from the Financial Joint Credit Information Center, and then query a corresponding credit loan grade based on the credit score, and multiply the balance of the prepaid price deposit account by the credit loan grade to calculate The allowable loan amount. The fund level calculation and batch transfer transaction system suitable for market bidding according to claim 1, wherein the underwriter device logs in to the market bidding server, and receives the transaction on a bidding page provided by the market bidding server The bid information request is input, and then the bid information request is sent to the information transmission module.

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