Patent TW-200805190-A (TW)
Title: On-line financial trading method for changing fee-collecting structure of bank
Inventor: Jian yong-song
IPC: G06Q40/00
Filed: 2006-07-07
Abstract: A on-line financial trading method for changing fee-collecting structure of bank is revealed in the present invention, in which the conventional trading mode of bank is subverted. In the past, the bank was in the indirect financial trading mode where bank paid interest for the depositor and loaned money to the borrower with higher interest rate to earn difference of interest. In this kind of trading manner, the bank has to arrange the preparing money of deposit and has the pressure of idle money that can not be loaned out so as to cause the phenomenon of refusing large-amount of deposit. The present invention is the direct finance and is different from the operation mode of the indirect finance in the present bank. The bank provides service and management of funding-trade platform, in which it is unnecessary for the bank to provide interest (funding cost) of the depositor; instead, the bank is capable of collecting service fee from the depositors. For the borrowers, the bank is capable of collecting service fee and guarantee fee depending on the credit status. The present invention subverts the habit of the conventional bank, in which interest difference is treated as the main income, and uses income of procedure-fee as the main commodity. In the trading mode of funding-trade platform, both sides of depositor and borrower have the autonomy to determine interest rate that is different from the financial merchandise where conventional customer is the interest rate receiver. In the invention, a bid-competition trade platform is provided by the system to make the qualified members participate the bid-competition action of the trade platform and perform actions such as saving, loaning and managing money for earning profit. The bank will conduct credit-survey investigation onto the on-line member application. For the member who passes the approbation of credit-survey investigation system from the bank, the bank will approbate the group that can be participated by the member (different groups are immediately formed such as twelve stages, twenty-four stages, thirty-six stages, .., and so on). The member is capable of one-line registering to participate the trading group for performing action of managing money. When overdue payment or disability to pay the bill is occurred for the member, bank conducts the promise of contract-implementation and the sum of money has to be handed in will be remitted to the business transaction and balancing mechanism. The bid-competition trade platform-managing server will target each member and form the trade group having different stages. The member selects and joins the group approbated by the bank according to self-purpose of saving. loaning, and managing money so as to participate the bid-competition action of the trade group. The member selects the participated trade group based on self-purpose of saving. loaning, and managing money and decides the bid-interest cost, which will be paid when obtaining the funding, to conduct the bidding operation. When the trade group reaches the opening time of bid, the bidding center system will start an opening bid program. The bid money is divided into the effective bid money and the ineffective bid money, in which the system will select the highest one of the effective bid money as the winning bid. The tendering center system will real time transmit the opening bid result and money has to be handed in to the member of the trade group. The member of the trade group remits money to the business-transaction balancing mechanism on the stipulated data. After the business-transaction balancing mechanism completely receives money, the balancing operation is then performed. After the needed fee is deducted from the bid money, it is remitted to the bid winner before the stipulated deadline. As the member is unable to hand in payment overdue or has disability to pay the bill, the operation of making advance is conducted onto the member by the bank. After the bank makes advance for the money that has to be paid by the member, the urgent receiving mode of money is entered where the bank is connected to the management server to stop the loan trade authority of the member until it is back to normal condition. In the previous funding trade flow procedure, the bank functions as a funding agent and remained in an indirect financial trading mode, in which the funding supplier has to deposit money and bank will pay the interest. In addition, the bank will loan the received deposited-money to the demander of funding where the interest rate is determined by the bank. The cost paid by the common loan customer also is fully determined by the bank businessman so as to ossify the business affair of bank. The invention truly subverts the conventional trading mode of bank and realizes the trading method of network direct-finance. In the direct financial trading, bank still functions as the funding agent to provide the service and management of the trade platform. Bank is not required to provide the interest-funding cost for the funding supplier; instead, it can collect service fee of bank trade platform. As for the funding demander, based on the loaning condition, an appropriate percentage of service fee of bank trade platform and the risk fund of bank are collected. Based on the above statement, the present invention is the truly financial merchandise that is not existed in the present bank business. In addition to changing the bank business of collecting fee habit for earning interest difference, the invention provides an independent interest-rate merchandise for the customer terminal where the customer is capable of determining the interest rate so as to end the age of conventional financial merchandise having the unsymmetrical information.