200937336 九、發明說明： 【發明所屬之技術領域】 本發明屬金融電子商務之微型金融領域《本發明運用網路科技， 創造一個零摩擦的直接金融資金交易環境，並將交易方有機地將其細 分化，使其既是獨立的個體，又是信用互補的關連體，使微型金融能 借重網路效應’將徵信系統極細微化，而達到活化網路微型金融的目 Ο 的。 本發明創造-個微型金融的徵信系統，利用網路效應極細微 化，產生參與者間的有機連帶關係，並輔以聯合徵信中心的信用把 關，以成就網路平台微型金融作業。 【先前技術】200937336 IX. INSTRUCTIONS: [Technical field of invention] The present invention belongs to the field of micro-finance of financial e-commerce. "The invention uses network technology to create a zero-friction direct financial capital trading environment, and the transaction party organically Subdividing makes it both an independent individual and a complementary link of credit, enabling microfinance to rely on the network effect to 'refine the credit system to achieve the goal of activating network microfinance. The invention creates a microfinance credit information system, which utilizes the network effect to be extremely subtle, and generates an organic relationship between the participants, and is supplemented by the credit check of the joint credit information center to realize the microfinance operation of the network platform. [Prior Art]
以往，微型金齡料驗付麵_，主要賴是徵信的成 本太高’非理性因素太多，極不容易掌握。因此，8〇年代以前銀行 都在企業金_躺打樁佈點，形齡金的全面辭時代。8〇年代 以後’網路科技的發達，直接金融的興起，使銀行在企金的領域上， 逐漸失去市場。銀行業於是走向消費金融、個人理財和分期付款等微 型金融的領域尋求生機。 微型金融沒有企業金融的規模，當然無法支付龐大的人工費用， 只好依職崎制細’崎資簡«时析，贼翻金融商 200937336 品的設計等等。 迄今為止，全世界最成功的微型金融大概就是尤努斯 (Muhammad Yrnrns)的格拉敏銀行(Grameen Bank)，格拉敏銀行把自願 的五個客戶，集合成一個信用的連帶組合；五個客戶中只要其中有一 個逾期的情況，其他四位的信用和社會地位將受到重罰，而且，五位 信用連帶組合的團體中，有一位居中協調穿線的負責人，他必須最慢 取得資金，這是一種將徵信分散，徵信極細微化的設計。格拉敏銀行 還把貸款對象鎖定婦女，幫助廣大的婦女持家脫貧；對於脫貧的配套 計晝，銀行極力反對「職業的再教育」，他們利用小型組織，努力挖 掘會員們現有的技術本能，在以上多種策略交相運用下，讓銀行貸款 始終維持至0.4%的逾放比。 格拉敏鄉村銀行的微型放款機制，基本上還是一種間接金融，而 且年利率南達20% ’這樣的利率要放在一個資訊發達，微貸金額較高 的地區勢必有其難處。因此，一個直接金融，反映網路科技的微型貸 款設計，變成為金融界和廣大微型貸款需求者所殷切盼望的。 美國專利編號 US 7，191，150 之「Enhancing delinquentdebt collection using statistical models of debt historical information and account events」’提出一利用債務歷史資訊統計以及帳戶事件分析模 型來降低錯触狀綠·觀。麵賴型翁歓帳款帳戶的 事件總和錢比雜戶巾成功㈣嫌款來分析-麵務，然而該模 5 200937336 型對於過去缺乏借龍史以及曾林良事件之帳戶恐_以正確判 斷可說疋變相的提南放款門檻，即使是小額資金需求者也難以取得 所需資金。該方法除了提高門棰之外還不能藉由互相擔保來增加信 肖’微型金融之借款者若無有價值之擔保品（不動產、保單等）便很 容易遭拒於m卜，造縣者都是具有不動產#贿航較佳也較 無資錢《权個人，_濟航較差之小㈣款絲者反而無法 ❹ 合乎放款鮮。 上述之解決方案，並沒有直指問題的核心，新的技術不斷將借款 門植提高，需要微型金融之借款者反而都無法合乎借款資格，若借款 人並無壽險保單做聽献個人信科足，便無法借錢應急這些微 型金融需求都無法得到滿足。因此一般社會大眾仍缺乏一刺激直接金 融發展、降低金融機構風險以及滿足合理借款人之需求並使個人實現 理財目標之平台。 【發明内容】 本發明係揭露一種自主性網路微型金融操作之方法，包含：對一 群組提出之-群組使用者基本資料、一群組使用者徵信所需資料及一 競標條件進行徵信，以產生-群組信用額度，並根據該群組信 決定該群組是否可加入一自主性利率存借平台；該群組進行該自主性 利率存借平台之競標作業；及若該群組發生逾織款，進行—催收作 6 200937336 本發明另揭露一種自主性網路微型金融操作之系統，包含：一群 組申請模組，用以接受該群組申請之訊息及所提供之一群組使用者基 本資料、一群組使用者徵信所需資料、一競標條件及一聯絡人選定資 訊，並核發該群組一群組帳號及一密碼；一使用者基本資料審核模 ，組’用以針對群組使用者之基本資料進行審查，未通過審核之群組需 _平台’符合者則將資料送至徵信模組；一徵信模組，用以輯該 群組申請模組所接收的資訊對該群組進行徵信，以計算一群組信用額 又並根據該群組k用額度決定該群組是否可加入一自主性利率存借 平σ，自主性利率存借平台，用以根據該徵信模組之徵信結果接受 該群組之加人，錢理鱗組之—標金，叫錢蚊—得標標金及 —得標群組；'結算交繼組，管理-共戶及-虛擬交割帳號， ❹ 娜該自主，_轉料綺蚊之得難金計算該翁之該期結 算交割結果’並接受錢雌群組之結算_作業；及—催收模組， 用以對逾期繳款之群組進行催收作業。 【實施方式】 為使本發明可具體實施，以下特將實施方式詳細描述，並列舉較 佳之具體實施例說明如下： 圖一係本㈣自雄麟微型金轉作讀程®:本㈣接受微 7 200937336 型金融需求之群組申請參加。使用者可組成群組，透過網路申請加入 (101 )，群組提出申請並輪入基本資料、徵信、聯絡人等相關資料， 即得到一群組帳號密碼（102)，供群組内之使用者得以預先於網站劉 覽專屬資訊，接著進行群組内之所有個別使用者資格審核（1〇3)，主 要查核所有使用者的基本資料，以完成初步的篩選，若該群組未通過 使用資格初步審核則必須離開平台（1〇4);通過之群組則依其意志及 需求设定競標條件（105) ’競標條件包含：會金、期數及競標權數。 上述之期數係指該競標組合之總期數，該期數可為十二期、二十四期 或二十六期等，由群組設定之；上述群組競標權數係指參與競標組合 之群組可得標之次數，由群組設定之。系統依照已設定競標條件之群 組所提出之條件進一步徵信及判定信用額度（1〇6)。根據徵信作業結 果，若該群組信用額度不小於由其設定之競標條件所得之所需競標額 ® 度，則核發該群組一虛擬交割帳號（108)，並開始進入資金競標作業 (109)，各個群組可依其所擁有之競標權進行競標，各期結標後則進 行結算交割（110);若該群組信用額度不足，則系統會詢問該群組是 否要重組群組（107)，若是，則該群組於自行重組群組後再行申請 (101);若否，則離開平台（104)。 上述之自主性利率存借交易平台提供一資金競標機制，由使用者 進仃出價競標；首先’依據使用者之競標條件訂定競標期間、競標間 200937336 隔及會金冰每期會錄域__等於翻麵本刪競標的標 的資金，使用者可以在網站投遞出願意按該期數支付攤還的利息，此 利息即使用者雜之標金，該資金競標模組即計算、分析、比對眾多 標金’並選取-個以上之參與競標之使用者為得標者；若得標，使用 者即可獲得總標金；總標金的計算，從利息給付的先後，有以下兩種 計算式： ❻ 利息先支付：Κυ-ίχΝ一n)+Ux(n_n 利息後支付：Α^υχ(Ι^η}+υχ《η一 其中： AJ系為該得標者於第n期得標之總得標金; U係為一競標上限； φ N係為一約定總期數； 机係為'現们~期數9且}%各N ;In the past, the micro-gold age inspection and payment surface _, mainly because the cost of credit reporting is too high, too many irrational factors, it is not easy to master. Therefore, before the 1980s, banks were all in the enterprise gold _ lying and piled up, the era of full-scale resignation. After the 1980s, the development of Internet technology and the rise of direct finance made banks gradually lose market in the field of enterprise finance. The banking industry is now looking for life in the field of microfinance such as consumer finance, personal finance and installment payments. Microfinance does not have the scale of corporate finance. Of course, it can't pay huge labor costs. It has to be based on the fact that the sneak peeks into the design of the 200937336. To date, the world's most successful microfinance is probably the Grameen Bank of Muhammad Yrnrns, which has voluntarily grouped five clients into a joint portfolio of credits; among five customers As long as there is an overdue situation, the other four credit and social status will be severely punished, and among the five credit-linked groups, there is a responsible person who is in the middle of coordinated coordination. He must obtain the slowest funds. It is a design that disperses the credit information and negates the credit. Grameen Bank also targeted loans to women to help women out of poverty. For the poverty alleviation package, banks strongly oppose "re-education in the profession". They use small organizations to try to tap the existing technical instinct of members. With a variety of strategies, bank loans are always maintained at a 0.4% overtime ratio. The micro-lending mechanism of Grameen Rural Bank is basically an indirect finance, and the annual interest rate is 20%. The interest rate should be placed in a region where information is developed and the amount of micro-credit is high. Therefore, a direct finance, reflecting the micro-lending design of Internet technology, has become a eagerly awaited by the financial community and the vast number of micro-loan demanders. U.S. Patent No. 7,191,150, "Enhancing delinquent debt collection using statistical models of debt historical information and account events" proposes a use of debt history information statistics and an account event analysis model to reduce the staggered green view. The sum of the events of the account type account is better than the miscellaneous household towel. (4) The suspicion is analyzed - the face, but the model 5 200937336 is for the lack of the history of borrowing dragons and the account of Zeng Linliang. In disguised Timan’s release threshold, it is difficult to obtain the required funds even for small-capital demanders. In addition to raising the threshold, this method cannot be used to increase the trust of the micro-finance borrowers. If there is no valuable collateral (real estate, insurance policy, etc.), the method is easy to be rejected. It is a real estate. #Bribing is better than no money. "The individual, _ Jihang's poor (four) models are not able to meet the money. The above solutions do not directly point to the core of the problem. The new technology will continue to increase the borrowing costs. The borrowers who need microfinance will not be eligible for the loan. If the borrower does not have a life insurance policy, he will give a personal credit. These microfinancial needs cannot be met without the opportunity to borrow money. As a result, the general public still lacks a platform to stimulate direct financial development, reduce the risk of financial institutions, and meet the needs of reasonable borrowers and enable individuals to achieve their financial goals. SUMMARY OF THE INVENTION The present invention discloses a method for autonomous network microfinance operation, comprising: performing a group user-group data, a group of users' credit information, and a bidding condition. Crediting to generate a group credit limit, and according to the group letter, determine whether the group can join an autonomous interest rate lending platform; the group performs bidding operation of the autonomous interest rate lending platform; and if The group is over-weaving, and the collection is carried out. 6 200937336 The present invention further discloses a system for autonomous network microfinance operation, comprising: a group application module for accepting the information of the group application and providing a group of user basic information, a group of users' credit information, a bidding condition, and a contact selection information, and issue a group account number and a password; a user basic data review mode, The group 'is used to review the basic data of the group users. If the group fails to pass the review, the _ platform' compliant person will send the data to the credit information module; a credit information module is used to compile the group. The information received by the application module is credited to the group to calculate a group credit amount, and according to the group k quota, whether the group can join an autonomous interest rate deposit σ, the autonomy interest rate The deposit and loan platform is configured to accept the addition of the group according to the credit information result of the credit information module, and the money scale group, the standard money, the money mosquito, the standard label and the winning group; The succession group, management-co-owner and-virtual delivery account, 娜 Na the autonomy, _transfer 绮 mosquito's hardship to calculate the Weng's settlement settlement results' and accept the payment of the female group _ homework; - Collection module, used to collect the overdue payment group. [Embodiment] In order to make the present invention concrete, the following detailed description of the embodiments will be described below, and the preferred embodiments are illustrated as follows: Figure 1 is a series of (4) from Xionglin micro-gold to reading:® (4) accepting micro 7 200937336 Group of financial needs applied for participation. Users can form a group and apply for joining (101) through the Internet. The group submits an application and turns in basic information, credit information, contacts, and other related information, that is, a group account password (102) is obtained for the group. Users can pre-authorize the exclusive information on the website, and then conduct all individual user qualification reviews (1〇3) in the group to check the basic information of all users to complete the preliminary screening. If the group does not By using the initial qualification examination, the platform must be left (1〇4); the group that passes the group will set the bidding conditions according to its will and demand (105). The bidding conditions include: the amount of the meeting, the number of periods and the number of bidding rights. The number of periods mentioned above refers to the total number of periods of the bidding combination, which may be twelve, twenty-four or twenty-six, etc., set by the group; the above-mentioned group bidding weight refers to participating in the bidding combination The number of times the group can get the target, set by the group. The system further credits and determines the credit limit (1〇6) according to the conditions set by the group that has set the bidding conditions. According to the result of the credit operation, if the group credit limit is not less than the required bid amount of the bidding condition set by the score, the group is issued a virtual delivery account (108) and begins to enter the fund bidding operation (109). ), each group can bid according to the bidding right it owns, and the settlement is completed after the completion of each period (110); if the group credit limit is insufficient, the system will ask whether the group wants to reorganize the group ( 107), if yes, the group will apply again after reorganizing the group (101); if not, leave the platform (104). The autonomous interest rate lending trading platform provides a fund bidding mechanism, and the user enters the bidding bid; firstly, according to the bidding conditions of the user, the bidding period, the bidding period 200937336, and the meeting of the Jin Bing will be recorded. _ is equal to the target funds of the revised bidding, the user can post the interest that is willing to pay the amortization according to the period. The interest is the user's miscellaneous standard, and the fund bidding module is calculated, analyzed and compared. For many of the standard gold 'and select more than one of the users participating in the bidding are the winners; if the bid is obtained, the user can get the total standard gold; the calculation of the total standard gold, from the interest payment, there are two Calculation formula: ❻ Interest paid first: Κυ-ίχΝ一n)+Ux(n_n After interest payment: Α^υχ(Ι^η}+υχ“η一中: AJ is the winner of the winner in the nth period The total score is the gold; the U is the upper limit of the bid; the φ N is the agreed total period; the machine is 'the current number of the period 9 and the number of each % N;
In係為該使用者於第η期之得標標金· h係為該使用者於第i期進行存款之標金，且i <η。 若沒得標’則使用者可依得標者出示的標金來賺取利息；系統方 為排除利差雌’將烟者私鱗，在大紐狀下，進行各標金 之分析、比對及得標金之認定，並選取一個以上之參與競標之使用者 200937336 為得標者’將開標結果傳送至恤雜過姻者介面公布之，未得標 者及未參與麵棚以賺補息之觀念，將存款存人平纟共同帳戶， 平台並將總標金依其約定的朗條倾至得標者個人帳戶或一指定 用途帳戶’完絲金競標組合之任—_競標，並將前述結果存入資 料庫。 圖二係-本發明競標組合之競標流程圖。競標開始⑽）後， 會先對參與之群組進行群組競標權之判定（2G2)，用以分辨群組使否 仍擁有可聽域娜。紐標叙_在每_束後根據底標存 款，若已得標則進行還款；平台接受仍仍有競獅之群組下標（2〇4)， 在各期所有群組完成下標後，平台自動比對標金⑽），並選取該期 的得標群組，平#娜未得標之敎在該狀未得觀金計算存款金 額（206) ’並通知群組將該存款金額存入虛擬交割帳號（2〇7);平台 並根據得標群組之得健金計算其賴應之麟標金（2()8)，並將總 得標金於虛擬交割帳號中顯示，群組即可隨時將該總得標金領取使用 (209)。 本發明之結异交割係利用一共同帳戶處理，本方法可與一外部之 金融機構合作成立共同帳戶，也可自行成立共同帳戶以執行結算交 割。各個群組會獲得一虛擬交割帳號，群組内之使用者可透過該帳號 查知自己的資金流動情況。在揭露競標結果並通知各群組結果後未 200937336 得標之群組須於應存款日麟將其所f存人的款項匯寄至其所屬之 群組虛擬㈣賊’絲得標群純彡貞在先祕標雜之絲日期前 將款項匯人，本方法在計算前_隨後，先行歸未較之款項， 在得標群組撥款日期將以上款項匯至得標群組的虛擬交割帳號，以完 成當期之結算錢。平台於暫時墊付未繳交款項後，對未繳款之群組 進行催收，這些未繳款群組内所有使用者均負連帶償還責任。 圖一係本發明之自主性網路微型金融操作系統圖：該系統（則） 有-舰器（304)，藉由網路、有線及無線通訊方式，供群組内之使 用者（3G2)以電腦、手機、PDA等裝置，透過使用者介面⑽） 與飼服器進行連結；該網路微型金融操作系統（3〇1)進一步包含以 下模組： 一群組申請模組（305):使用者於使用者介面（3〇3)選擇加入 欲參加之競標組合，群組申請模組即接收使用者（3〇2)透過使用者 介面（303)所出之群組申请，該申請包含群組之所有使用者之基 本資料、徵信相關資料以及欲參與之群組競標組合。群組申請模組 (305)收到申請之後，會立即核發一群組帳號密碼供群組得以預 先於網站瀏覽群組專屬資訊。接著該模組並將資料傳送至使用者基本 資料審核模組（306)及徵信模組（307)，並存入資料庫（311); 一使用者基本資料審核模組（306):群組申請模組（3〇5)收到 11 200937336 上述資料後，將基本資料送至本模組，針對群組使用者之基本資料進 行審查，包含使用者背景資料、工作、學歷、年齡、禁治產、褫奪公 權等，未通過審核之群組需離開平台，符合者進入徵信作業； 一徵k模組（307):本模組收到群組申請模組（3〇5)之使用者 申請後，即針對申請群組客戶進行徵信作業，徵信作業係針對使用者 做更深入財舰信與分析，輯算侧制者及群赠叙未來還款 能力。接著徵信模組（307)計算一群組信用額度，若該群組之群組 信用額度it其射請之賴組合所需域標财，該群峰得競標組 合之競標職’魏標聽絲賊標齡總舰除辦域計算而 得； 曰土网顿借平台⑽)：用以提供群組内之使用者⑽） ❹ 透過使用者介面（3〇3)與其他群輯浦錢標，該平台並執行比 對各群組標金，以選取各期之得標群組，並將該期競標資料傳送至結 算交割模組（309)與資料庫（311); 一結算交龍組（3G9):競標結束後結算交_組⑽）阶 自主性利率梅台⑽）爾資訊，包物彻群組、得標于 標金及總得標金，接著結算雜额⑽）崎相帳戶之所 組繳款情形，若有應存款群組發生逾期，則結算交割模組（309)會 代塾款項，並將總得標金如期撥入得標一^ 12 200937336 拖欠資訊傳送至催收模組（310)及資料庫（3ii) ; -儐收模組（3H)) ··本漁肋接收轉錢触（㈣之逾 期資訊’並執行催收作業，將結果存入資料庫（3ΐι)。 以下特舉-例，據以·本發明之具體施行辦法。 雜、子聰及聖雪三人為纟大研究所時_學，若赫及聖雪現職 〇 分縣電转扣_及大學教授，彳认豐渥，工飾㈣十分穩 定；另-方面，子聰任職於-間銀行行員，因子聰並不滿足作—個小 職員’於是決定籌措-筆資金以供鑛所需。接著子聰向某銀行申請 個人信用貸款’經過該銀行的徵信作業後，鑑於剛入社，銀行所能贷 予的額度實在不足以支應創業所需的費用；在此同時，子聰也不好意 思直接向若赫《雪借這敍—筆錢，就在子聰腦之際，子聰在喬 _ #國際絲網上魏了-個「自主細賴型金轉狀方法與系 統」的產品’該產品的訴求就是在直接金融的概念下，由複數個使用 者形成-個群組’並且可自行量身設計―符合自身需求的競標組合， 參與自主闕特金交奸台’讓資金需求的弱勢者，可在本平台的 競標機制下’以較低的借款利率取得資金，同時，利用群組内使用者 互保的方式(如群組内有使用者違約，群組内之其他使用者需負連帶 賠償責任）’達成徵信的效果，反映網路科技的微型貸款設計。 於是，子聰取得若赫及聖雪的同意，三人組成一個具有互保機制 13 200937336 的群組，上網參加了自主性網路微型金融操作的平台。子聰利用網路 連上了該平台的操作頁面，首先，子聰衡量了創業的資金需求及自身 的還款能力後，設;t 了-個六年期的資金競触合，該競標組合的内 容為： 1. 期數：六年； 2. 各期間隔：一個月； 3. 會金；10,000 元； 4. 群組數；24個群組； 5. 群組競標權數：具有三個競標權。 子聰二人決疋了競標組合後，平台即針對三人進行資格審核，以 及徵信作業。經過平台審核完成且通過後，平台給予該三人一組虛擬 交割帳號，以進行競標。 鑑於子聰急需一筆資金，於是在第一期其投標標金為7〇〇元，在 大數法則之下，平台進行各標金之分析、比對及得標金之認定，子聰 即以700元得標，而個人之總得標金額為660,300元 ((10000-700)*71 )=660,300);而以群組而言，因為若赫及聖雪亦需支 付9300 元’所以群組可以得到641，700 元(660,300-9300*2=641，700)。 得標後，每期需償還1〇,〇〇〇元的負債直至第72個月，而該三人所屬 之群組還擁有兩個競標權。 200937336 在該三人參與此平台的第19個月，聖雪決定購買一台新的轎 車’於是聖雪在第20個月以750元得標，聖雪個人之總得標金額為 671,000 元(19*1〇〇〇〇+52*(10000-750)=671，000);而以群組而言，因為 若赫需支付9250元的存款及子聰需支付1〇,〇〇〇元的負債，所以群組 可以得到651，750 元(671，000-10000-9,250=651，750)。聖雪得標後，每 期需償還10,000元的負債直至第72個月，而該三人所屬之群組只剩 一個競標權；另外，由於若赫薪資所得豐厚，且無資金需求，因此， 若赫打算持續存款，賺取利息。 世事難料，子聰所創設之公司，因為經濟不景氣，負擔不了連年 的虧損，在參加平台後的第45個月倒閉，因而無法如期繳交第46個 月的10,000元負債。此時，若赫及聖雪必須替子聰負擔1〇〇〇〇元的 負債，即若赫除了需繳交第46個月之存款(存款=會金_該期之得標標 金）、聖雪需繳交10,000元負債外，此二人尚須籌措1〇 〇〇〇元交付予 平台；若在剩餘26個月皆無力償還，若赫及聖雪亦需為負擔剩餘每 個月之10,000元負債。 最後，若赫在這72個月内為存款者(至期末皆未得標），因此， 若赫於最後-期’即第72個月可以得到71〇 〇〇〇元 (71 10000-710,000) ’而以群組而言，因為聖雪及子聰皆有聊〇元 的負債，所以群組可以得到_，_元(71_G-1GGGG*2=690,000)。 15 200937336 合上所述，本發_造-祕_金轉叙綠射統·透過 上述之實施方式，可以達成以下目的： 1. 本發明創造-微型金融資金交純境，讓需要資金_勢者，可 在本平台的幫助下，累積資金，達到倍數經濟的資金操作效率。 2. 本發明將交易單位細微切割’利用互保機制成就徵信效果，使長 久以來’完全依賴人工的徵信作業系統，得以運用網路系統有效 的建立。 3. 本發明直接金融平㈣建立，顛覆魏銀行鎌糊差的方式， 改為賺取保證費及手續費。 4. 本發明改變間接金融賺借款者的利差方式成為賺存款者的手續 費；因此，以前存款銀行要給付利息；在本平台，存款者則要給 付銀行手續費。 發月將徵彳5做去中心、化，以__世界極細微化的有機連 結’成就微型金融電子商務的有機運作。 16 200937336 【圖式簡單說明】 圖一係本發明自主性網路微型金融操作之流程圖； 圖二係本發明競標組合之競標流程圖； 圖三係本發明之網路微型金融操作系統圖。In is the user's standard in the nth period, and the h is the standard deposit of the user in the i-th period, and i < η. If the standard is not obtained, the user can earn the interest according to the standard gold presented by the target; the system will exclude the interest rate female 'the smoker's private scale, and under the big button, analyze and compare the standard gold. For the identification of the winning bid, and select more than one user participating in the bidding 200937336, the winner will send the results of the bid opening to the interface of the unmarried person, and the unsuccessful bidder and the non-participating shed will make up for the bid. The concept of interest, deposit deposits in a common account, the platform and the general standard according to its agreed stipulations to the successful bidder's personal account or a designated use account 'completed gold bidding combination' - _ bidding, and Save the above results in the database. Figure 2 is a flow chart of bidding for the bidding combination of the present invention. After the bidding starts (10), the group bidding right (2G2) will be determined for the participating groups to distinguish whether the group still has the audible domain. New standard _ _ deposit according to the bottom mark after each _ bundle, if the standard has been won, repayment; the platform accepts still there is still the group subscript of the lion (2 〇 4), complete subscript in all groups in each period After that, the platform automatically compares the standard gold (10)), and selects the winning group of the period. Ping #娜不得标敎 has not calculated the deposit amount (206) in the form and notifies the group to deposit the deposit. The amount is deposited into the virtual delivery account (2〇7); the platform calculates the subordinated gold (2()8) according to the winnings of the winning group, and displays the total amount of the prize in the virtual delivery account. The group can receive the total winnings at any time (209). The settlement of the present invention is handled by a common account, and the method can be established in cooperation with an external financial institution to establish a common account, or a separate account can be established to perform settlement settlement. Each group will get a virtual delivery account, through which users in the group can check their funds flow. After exposing the results of the bidding and notifying the results of each group, the group that has won the bid is required to remit the deposit of the depositor to the group virtual (4) thief's silk group.贞 The money will be remitted before the date of the first secret, and the method will be reconciled to the unsuccessful amount before the calculation. In order to complete the settlement of the current period. After the platform temporarily suspends the unpaid amount, the platform collects the unpaid groups, and all users in these unpaid groups are jointly and reimbursed. Figure 1 is a diagram of the autonomous network microfinance operating system of the present invention: the system (then) has a ship (304) for network, wired and wireless communication for users in the group (3G2) The computer, the mobile phone, the PDA and the like are connected to the feeding device through the user interface (10); the network micro financial operating system (3〇1) further includes the following modules: a group application module (305): The user selects the bidding combination to be joined in the user interface (3〇3), and the group application module receives the group application from the user interface (303) through the user interface (303), and the application includes Basic information of all users of the group, credit related materials and group bidding combinations to participate in. After receiving the application, the group application module (305) will immediately issue a group account password for the group to browse the group-specific information in advance. The module then transmits the data to the user basic data review module (306) and the credit information module (307), and stores the data in the database (311); a user basic data review module (306): group After the group application module (3〇5) receives the above information from 2009373373, the basic information is sent to the module to review the basic data of the group user, including the user background information, work, education, age, and ban. Governance, seizure of public rights, etc., the group that has not passed the review needs to leave the platform, and the compliant person enters the credit search operation; the levy k module (307): the module receives the group application module (3〇5) After the user applies, the credit search operation is carried out for the application group customer. The credit information operation is to conduct more in-depth financial information and analysis for the user, and to calculate the future repayment ability of the side system and the group. Then, the credit module (307) calculates a group credit limit. If the group credit limit of the group is the target domain of the group, the group bids for the bidding combination. The thief-aged ship is calculated in addition to the domain calculation; the 网土网 借平台(10)): used to provide users in the group (10)) 透过 through the user interface (3〇3) and other groups The platform performs a comparison of the group funds to select the winning group of each period, and transmits the bidding data to the settlement delivery module (309) and the database (311); (3G9): After the bidding, the settlement will be settled _ group (10)) order self-interest rate Meitai (10)) information, the package is complete, the standard is awarded to the standard gold and the total amount of gold, and then the amount of miscellaneous (10)) In the case of the group payment, if the deposit group is overdue, the settlement delivery module (309) will replace the payment and the total amount of the standard will be transferred to the bidding certificate as soon as possible. 12 200937336 Arrears information is transmitted to the collection module ( 310) and database (3ii); - collection module (3H)) ·· This fishing rib receives the money transfer ((4) overdue information' and Carry out the collection operation and store the result in the database (3ΐι). The following special cases - according to the specific implementation method of the present invention. Miscellaneous, Zicong and Shengxue are the research institutes of the University of China. Shengxue is currently working as a sub-county electric transfer deduction _ and university professor, 彳 渥 Feng 渥, work decoration (four) is very stable; another - aspect, Zicong worked in the bank clerks, factor Cong is not satisfied - a small staff 'then Decided to raise funds to supply mines. Then Zi Cong applied for a personal credit loan from a bank. After the bank’s credit operation, the amount that the bank can lend is not enough to support the business. At the same time, Zicong is also embarrassed to directly go to Ruohe, "Let's borrow this narration - pen money, just in the time of Zong Cong brain, Zi Cong in Joe _ #国际网魏--" The product of the type-turning method and system "The demand for this product is formed by a plurality of users under the concept of direct finance" and can be designed by itself - a competitive bidding combination that meets its own needs and participates in autonomy.阙特金交奸台' Let the funds need The weaker can obtain funds at a lower borrowing rate under the bidding mechanism of the platform, and at the same time, use the method of mutual protection of users in the group (such as user default in the group, other use in the group) The person has to bear the joint liability for compensation. 'The effect of the letter of credit is reflected in the micro-loan design of the network technology. So, Zong Cong obtained the consent of Ruohe and Shengxue, and the three formed a group with mutual protection mechanism 13 200937336. I went online to participate in the platform of autonomous network microfinance operation. Zi Cong used the Internet to connect to the operation page of the platform. First, Zong Cong measured the capital needs of the venture and his own repayment ability. The six-year fund competition, the content of the bid combination is: 1. The number of periods: six years; 2. The interval of each period: one month; 3. The amount of money; 10,000 yuan; 4. The number of groups; 24 Group; 5. Group bidding weight: has three bidding rights. After Zong Cong and the two decided to bid for the bidding combination, the platform will conduct qualification examinations for the three people and the credit reporting operation. After the platform review is completed and passed, the platform gives the trio a virtual delivery account for bidding. In view of the fact that Zi Cong urgently needs a sum of money, the bidding amount in the first period is 7 yuan. Under the law of large numbers, the platform conducts analysis, comparison and certification of the standard gold. 700 yuan won the bid, and the total amount of the individual's winning bid is 660,300 yuan ((10000-700) * 71 ) = 660,300); and in terms of groups, because Joh and holy snow also need to pay 9300 yuan ' so the group can Obtained 641,700 yuan (660,300-9300*2=641,700). After winning the bid, each period will be repaid 1 〇, the debt of the 〇〇〇 yuan will be until the 72nd month, and the group to which the three belong will have two bidding rights. 200937336 In the 19th month of the trio's participation in the platform, Shengxue decided to purchase a new car. So Shengxue won the bid for 750 yuan in the 20th month, and the total winning amount of Shengxue personally was 671,000 yuan (19* 1〇〇〇〇+52*(10000-750)=671,000); and in terms of group, because if He needs to pay a deposit of 9,250 yuan and Zi Cong needs to pay 1〇, the debt of Qianyuan, So the group can get 651,750 yuan (671,000-10000-9,250=651,750). After Shengxue won the bid, each period will need to repay the debt of 10,000 yuan until the 72nd month, and the group of the three people has only one bidding right; in addition, because of the rich salary and no capital demand, If he wants to keep depositing, he earns interest. Unexpectedly, the company created by Zi Cong, because of the economic downturn, could not afford the losses of successive years, and closed down in the 45th month after participating in the platform, so that the debt of 10,000 yuan in the 46th month could not be paid as scheduled. At this time, if Hehe and Shengxue must pay the debt of 1 yuan for Zicon, that is, if he wants to pay the deposit of the 46th month (deposit = deposit gold _ the standard of the period) In addition to the payment of 10,000 yuan in debt, the two people are still required to raise 1 yuan to deliver to the platform; if they are unable to repay in the remaining 26 months, Ruohe and Shengxue also need to bear the remaining monthly 10,000 yuan in debt. In the end, if the company is a depositor within 72 months (no end to the end of the period), therefore, if he is in the final period, that is, the 72nd month, he can get 71 yuan (71 10000-710,000). In the group, because both Sheng Xue and Zi Cong have the debt of the chatter, the group can get _, _ yuan (71_G-1GGGG * 2 = 690,000). 15 200937336 In summary, this issue _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ With the help of this platform, we can accumulate funds to achieve the efficiency of capital operation in multiple economies. 2. The present invention finely cuts the transaction unit's use of the mutual insurance mechanism to achieve the credit information effect, so that the credit information operation system that has been completely relied on for a long time can be effectively established by using the network system. 3. The direct financial system (IV) of the present invention was established to subvert the way in which Wei Bank was sloppy, and instead earned a guarantee fee and a handling fee. 4. The present invention changes the way in which the indirect financial earning of the borrower's spread is the fee for the deposit earner; therefore, the deposit bank has to pay interest; on this platform, the depositor has to pay the bank fee. The month of the month will be levied on the 5th to go to the center, and the organic operation of microfinance e-commerce will be achieved by the __ world's extremely fine organic connection. 16 200937336 [Simplified illustration of the drawings] Figure 1 is a flow chart of the autonomous network microfinance operation of the present invention; Figure 2 is a bidding flowchart of the bidding combination of the present invention; and Figure 3 is a diagram of the network microfinance operating system of the present invention.
【主要元件符號說明】[Main component symbol description]
自主性網路微型金融操作系統 使用者 使用者介面 伺服器 群組申請模組 使用者基本資料審核模組 徵信模組 自主性利率存借平台 結算交割模組 催收模組 資料庫 301 302 303 304 305 306 307 308 309 310 311 17Autonomous Network Microfinance Operating System User User Interface Server Group Application Module User Basic Data Auditing Module Credit Information Module Autonomy Interest Rate Loan Platform Settlement Delivery Module Collection Module Database 301 302 303 304 305 306 307 308 309 310 311 17