Patent ID: 8386365

Claim:
An interactive online funding method, comprising: (A) a management server receiving a bid price placed by a user; (B) the management server determining a threshold price according to at least one of a funding supply, needs of funding, and a difference between a long-term interest rate and a short-term interest rate; (C) the management server determining whether to allow the bid price according to the threshold price and a credit amount of the user; (D) the management server determining the user to be a lender when the bid price is not larger than the threshold price and when the credit amount is successfully verified; (E) the management server determining a deposit amount of the user according to the bid price; and determining a total amount obtained by a winner winning a bid at the current term according to the contribution amount, a value of the number of total terms, a bid price given by the winner at the current term, wherein determining the total amount obtained by the winner at the current term comprises: determining the total amount at an n-th term according to An =( U− 1 n )×(( N−n )+( U ×( n −1)); wherein An represents the total amount obtained by the winner at the n-th term of bidding, U represents the contribution amount, N represents the value of the number of terms, and ln represents the bid price given by the winner at the n-th term.