201118779 , 六、發明說明： [0001] 【發明所屬之技術領域】 本發明屬於金融電子商務領域，尤其是一種應用於網際 網路之當票交易管理方法與系統。 [0002] ❹ 【先前技術】 當鋪業自古以來即是庶民經濟很重要的一環，在早期金 融信用借貸尚不普及的時代，當鋪提供平民以動產換取 現金的管道。當鋪見於中國歷史最早於南北朝，至今已 有上千年歷史，最早稱質庫，亦稱質肆，後來又稱長生 庫、解庫、解當鋪和解典庫等等，在明清後始稱“當舖 ，， ：'·%· [0003] 當舖最初經營，以寺院為多，以濟貧救難為主要目的， 屬於慈善性質。隨著封建社會制度不斷完善和發展，當 舖才逐漸成為一種專門行業，其性質也起了變化，演變 為以營利為目。當舖業盛起，既給平民百姓借貸和調劑 資金帶來了一定方便，也給當舖業主創造了盤營高額利 潤機會，在過去，亦給封建政權帶來了經濟上，稅收上 好處。為鼓勵商民辦當舖，封建朝廷曾給予當舖從業者 各種獎掖。民國以後，當鋪業已正式立法監管，而成為 一合法而重要的經濟活動之一。 [0004] 典當或稱質當，簡單來說，即持當人以動產為擔保並交 付於當舖，向其借款、支付利息之行為；而當舖就持當 人提供擔保借款之動產，貸與金錢之行為則稱為收當； 持當人提供當舖擔保借款之動產即為質當物；當舖就質 當物估價後，核算可貸與持當人之金額為質當金額；當 098139032 表單編號A0101 第3頁/共24頁 0982066987-0 201118779 舖於收取質當物後，即開立一當票予持當人收執，以作 為取贖之憑證；當持當人清償債務，取回質當物之行為 即稱為取贖。 [0005] 一般至滿當期日屆滿五日後仍未取贖或順延質當之質當 物，即為流當物，收當當鋪對流當物有自行處分的權利 ，在過去，流當物的處理亦是當鋪獲利來源之一，然而 隨著時代演進，愈多科技產品流入典當市場，其折舊率 遠較過去傳統金飾為高，因此現在當鋪愈來愈不欲花費 時間人力去處理流當品的問題；而對典當人，或稱持當 人而言，很多典當品本非其必需品，其贖回意願本就不 高，因此無形中亦增加流當的機率。 [0006] 為解決此一當鋪經營上的困境，並促進資金與物品市場 活絡，以求物盡其用，金盡其流，發明人乃經悉心試驗 與研究，並一本鍥而不捨之精神，終構思出本案「當票 交易管理方法與系統j ，以下為本案之簡要說明。 【發明内容】 [0007] 本發明的目的之一在於解決先前技術之問題。 [0008] 本發明之另一目的在於提供一具效率性的當票交易管理 方法，用以減少當鋪處理流品的庫存成本，而增進當票 之資金價值。 [0009] 根據本發明的構想，提出一種當票交易管理方法，其藉 由一處理裝置實施，該方法包括以下步驟：（A)令該處 理裝置接收一第一使用者輸入一當票之一當票内容訊息 ;(B )令該處理裝置顯示該當票内容訊息；（C )令該處理 098139032 表單編號A0101 第4頁/共24頁 0982066987-0 201118779 [0010] [0011] Ο [0012] [0013] ❹ [0014] 裝置接收一當鋪針對該當票内容訊息的一確認訊息；（D ) 令該處理裝置接收至少一第二使用者針對該當票之一競 標出價；以及（E)令該處理裝置根據該競標出價決定一得 標者。 更佳地，本發明之當票交易管理方法，其中該當鋪為該 當票開立當鋪。 更佳地，本發明之當票交易管理方法，其中該確認訊息 係為該當票開立當鋪用以確認該當票内容訊息為正確。 更佳地，本發明之當票交易管理方法，其中於步驟（C) 之前更包括以下步驟：（C1)令該處理裝置以一通訊方式 傳送一通知訊息給該當票開立當鋪，該通訊方式包括手 機簡訊、電子郵件、專屬帳號以上至少其一。 更佳地，本發明之當票交易管理方法，於步驟（C)之後 更包括以下步驟：（C2)若該確認訊息為負向，即該當 票開立當鋪認為該當票内容訊息為不正確，則該處理裝 置取消顯示該當票内容訊息，並於該第一使用者的一使 用記錄中加入一註記。 更佳地，本發明之當票交易管理方法，其中該當票内容 訊息包括一質當物名稱、一質當物特徵、一質當物影像 、該當票開立當鋪、一質當金額、一當票開立曰期、一 滿當期曰、一約定利率、以及取贖地點以上至少其一。 更佳地，本發明之當票交易管理方法，更包括以下步驟 :令該處理裝置接受該第二使用者輸入一檢索條件，該 檢索條件與該當票内容訊息有關，用以檢索該處理裝置 098139032 表單編號A0101 第5頁/共24頁 0982066987-0 [0015] 201118779 所接收到的至少一該當票内容訊息；以及令該處理裝置 根據該檢索條件顯示一檢索結果，其中該檢索結果根據 該質當金額、該滿當期日、該當票開立當鋪、以及該取 贖地點以上至少其一排序。 [0016] 更佳地，本發明之當票交易管理方法，其中該第一使用 者是一質當人或一當鋪。 [0017] 更佳地，本發明之當票交易管理方法，於步驟（A)之前 更包括以下步驟：（A1)令該處理裝置儲存一當鋪帳號， 用以提供該當鋪傳送該確認訊息；於步驟（A)之後更包括 以下步驟：（A2)令該處理裝置接收一當票賣出訊息。 [0018] 更佳地，本發明之當票交易管理方法，其中該當票賣出 訊息係由該第一使用者所傳送。 [0019] 根據本發明的構想，提出另一種當票交易管理方法，其 藉由一處理裝置實施，該方法包括以下步驟：（A)令該處 理裝置儲存一當票内容訊息；（B)令該處理裝置顯示該當 票内容訊息；（C)令該處理裝置接收一第一使用者的一當 票開放出售訊息；（D)令該處理裝置接收至少一第二使用 者針對該當票之一競標出價；以及（E)令該處理裝置根據 該競標出價決定一得標者。 [0020] 更佳地，本發明之當票交易管理方法，其中該當票内容 訊息包括一質當物名稱、一質當物特徵、一質當物影像 、一質當金額、一質當人代碼、一當票開立當鋪、一當 票開立曰期、一滿當期曰、一約定利率、以及一取贖地 點以上至少其一。 098139032 表單編號A0101 第6頁/共24頁 201118779 _ [0021] [0022] Ο [0023] [0024] [0025] [0026] ❹ [0027] 更佳地，本發明之當票交易管理方法，其中步驟（Α)之當 票内容訊息係由該當票開立當鋪所提供，該第一使用者 為該質當人，該第二使用者為經該處理裝置許可登錄的 會員。 更佳地，本發明之當票交易管理方法，更包括：（F)令該 處理裝置接收該第一使用者所傳送的一第一交易完成訊 息；（G)令該處理裝置傳送一取贖權證給該得標者；（H) 令該處理裝置接受一取贖完成訊息；以及（I)令該處理裝 置停止顯示該當票内容訊息。 更佳地，本發明之當票交易管理方法，其中該取贖完成 訊息為該得標者所發送。 更佳地，本發明之當票交易管理方法，於步驟（A)之後更 包括： (A1)令該處理裝置傳送一通知訊息給該當票開立當鋪； (A2)令該處理裝置接受並顯示該當票開立當鋪針對該當 票内容訊息所傳送的一確認訊息，該確認訊息係為該當 票開立當鋪用以確認該當票内容訊息為正確。 根據本發明的構想，提出一種當票交易管理系統，包括 一會員管理模組；一當票訊息上架模組、一當票訊息顯 示介面、一第三方認證模組、以及一競標處理模組；其 中該會員管理模組接受一用戶申請登錄，該用戶包括一 買家用戶以及一賣家用戶；該當票訊息上架模組接收該 賣家用戶輸入一當票之一當票内容訊息；該當票訊息顯 示介面顯示該當票内容訊息；該第三方認證模組接受該 098139032 表單編號A0101 第7頁/共24頁 0982066987-0 201118779 崎换*田舖針對該當票内容訊息提供—確認訊息；該 :厂理模組接收至少—買家用戶針對該當票之一競標 貝，並根據該競標出價決定一得標者。 [0028] =佳地’本發明之當票交易管理方法，更包括一當票内 谷檢索模k和__當票內容排序模組，其中該當票内容 檢索模組接受該買家用戶輸入一檢索條件，其中該檢索 條件用以檢索該處理裝置所接收到的該當票内容訊息， δ亥當票内容排序模組根據根據該質當金額、該滿當期曰201118779, VI. Description of the Invention: [0001] Technical Field of the Invention The present invention belongs to the field of financial e-commerce, and more particularly to a method and system for managing ticket transactions applied to the Internet. [0002] 先前 [Prior Art] The pawnshop industry has been a very important part of the economy since ancient times. In the era when early financial credit lending was still not popular, pawnshops provided civilians with cash to exchange cash for movable assets. When the shop was first seen in the history of China, it has been in the Southern and Northern Dynasties. It has been a thousand years old. It was first called the quality database, also known as the quality, and later called the Changsheng Library, the Jiekuo, the Dangdang and the Dictionary Library. After the Ming and Qing Dynasties, it was called “Pawnshop”. ,, :'·%· [0003] When the pawn shop was originally operated, the temple was the most important, and the main purpose of helping the poor was to be charitable. With the continuous improvement and development of the feudal social system, the pawnshop gradually became a specialized industry, its nature. It also changed and evolved into a profit-oriented business. When the shop industry was launched, it not only brought convenience to the civilian population to borrow and transfer funds, but also created a high profit opportunity for the pawnshop owners. In the past, it also gave the feudal regime. In order to encourage commercial and private pawnshops, the feudal imperial court has given various rewards to pawnshop practitioners. After the Republic of China, pawnshops have been formally legislated and become one of the legal and important economic activities. [0004] Pawning or quality, in simple terms, that is, the act of guaranteeing the movable property and delivering it to the pawnshop, borrowing money and paying interest; The movable property, the loan and the money, are called the receipt; the movable property that provides the pawn-guarantee loan is the quality; the pawnshop can evaluate the loan and the holder The amount is the amount of the quality; when 098139032 Form No. A0101 Page 3 / 24 pages 0982066987-0 201118779 After the collection of the quality of the goods, a ticket is issued to the holder to receive the certificate, as a voucher for redemption; When the holder pays off the debt, the act of taking back the quality is called foreclosure. [0005] Generally, after the expiration of five days after the expiration of the current date, the material that has not been redeemed or the quality of the quality is the thing that flows, In the past, the disposal of the punctuality of the pawnshop was one of the sources of profit for the pawnshop. However, as the times evolved, more and more technology products flowed into the pawn market, and the depreciation rate was much higher than the past tradition. Gold ornaments are high, so nowadays, pawnshops are increasingly unwilling to spend time and manpower to deal with the problem of the flow of goods. For pawnbrokers, or for the holders, many pawn goods are not essential, and their redemptive wishes are Not high, so it is invisible Increase the probability of flow. [0006] In order to solve the dilemma of this pawn shop operation, and promote the capital and goods market to be active, in order to make the best use of the material, the gold is doing its best, the inventor is carefully tested and researched, and In the spirit of perseverance, the present invention conceived the "banking transaction management method and system j", which is a brief description of the present invention. [Invention] [0007] One of the objects of the present invention is to solve the problems of the prior art. Another object of the invention is to provide an efficient ticket transaction management method for reducing the inventory cost of the pawn processing flow and increasing the capital value of the ticket. [0009] According to the concept of the present invention, a ticket is proposed. a transaction management method, which is implemented by a processing device, the method comprising the steps of: (A) causing the processing device to receive a first user inputting one of the tickets as a ticket content message; (B) causing the processing device to display The ticket content message; (C) the processing 098139032 Form number A0101 Page 4 / 24 pages 0892066987-0 201118779 [0010] [0011] [0013] [0014] The device receives a Placing a confirmation message for the content of the ticket content; (D) causing the processing device to receive at least one second user bidding for one of the votes; and (E) causing the processing device to determine a winner based on the bid price . More preferably, the ticket transaction management method of the present invention, wherein the pawn shop opens a pawn shop for the ticket. More preferably, the ticket transaction management method of the present invention, wherein the confirmation message is that the ticket is opened to confirm that the ticket content message is correct. More preferably, the ticket transaction management method of the present invention further comprises the following steps before the step (C): (C1) causing the processing device to transmit a notification message to the ticket to open the pawnshop in a communication manner, the communication method Including mobile phone newsletters, emails, and exclusive accounts at least one of them. More preferably, the ticket transaction management method of the present invention further comprises the following steps after the step (C): (C2) if the confirmation message is negative, that is, when the ticket is opened, the pawn considers that the ticket content message is incorrect. Then, the processing device cancels displaying the ticket content message and adds a note to a usage record of the first user. More preferably, the ticket transaction management method of the present invention, wherein the ticket content message includes a quality object name, a quality object feature, a quality object image, the ticket ticket opening pawn, a quality amount, and a At least one of the ticket opening period, one full current period, one agreed interest rate, and the redemption location. More preferably, the ticket transaction management method of the present invention further includes the steps of: causing the processing device to accept the second user inputting a search condition, the search condition being related to the ticket content message for retrieving the processing device 098139032 Form number A0101, page 5 of 24, 0982066987-0 [0015] 201118779 received at least one of the ticket content messages; and causing the processing device to display a search result based on the search condition, wherein the search result is based on the quality The amount, the full-term date, the pawn-opening pawnshop, and at least one of the above-mentioned places of redemption. [0016] More preferably, the ticket transaction management method of the present invention, wherein the first user is a quality person or a pawn shop. [0017] More preferably, the ticket transaction management method of the present invention further comprises the following steps before the step (A): (A1) causing the processing device to store a pawn account to provide the pawn shop to transmit the confirmation message; Step (A) further includes the following steps: (A2) causing the processing device to receive a ticket sell message. More preferably, the ticket transaction management method of the present invention, wherein the ticket sales message is transmitted by the first user. [0019] According to the concept of the present invention, another method for managing ticket transactions is proposed, which is implemented by a processing device, the method comprising the steps of: (A) causing the processing device to store a ticket content message; (B) order The processing device displays the ticket content message; (C) causes the processing device to receive a first user's ticket open sale message; (D) causes the processing device to receive at least one second user for one of the ticket votes Bidding; and (E) causing the processing device to determine a winning bid based on the bid price. [0020] More preferably, the ticket transaction management method of the present invention, wherein the ticket content message includes a quality object name, a quality object feature, a quality object image, a quality amount, and a quality code. At the same time, the ticket is opened at the pawnshop, the ticket is opened, the expiration date, the agreed interest rate, and at least one of the redemption locations. 098139032 Form No. A0101 Page 6 of 24 201118779 _ [0021] [0022] [0024] [0025] [0027] More preferably, the ticket transaction management method of the present invention, wherein The step (Α) of the ticket content message is provided by the pawn-opening pawnshop, the first user is the quality person, and the second user is the member who is authorized to log in via the processing device. More preferably, the ticket transaction management method of the present invention further comprises: (F) causing the processing device to receive a first transaction completion message transmitted by the first user; (G) causing the processing device to transmit a foreclosure The warrant is given to the winner; (H) the processing device accepts a redemption completion message; and (I) causes the processing device to stop displaying the ticket content message. More preferably, the ticket transaction management method of the present invention, wherein the redemption completion message is sent by the winner. More preferably, the ticket transaction management method of the present invention further comprises, after step (A): (A1) causing the processing device to transmit a notification message to the ticket opening pawn; (A2) causing the processing device to accept and display The ticket shall open a confirmation message sent by the pawnshop for the content of the ticket, and the confirmation message is that the ticket is opened to confirm that the content information of the ticket is correct. According to the concept of the present invention, a ticket transaction management system is provided, including a member management module; a ticket information shelf module, a ticket information display interface, a third party authentication module, and a bid processing module; The member management module accepts a user application registration, the user includes a buyer user and a seller user; the ticket information shelf module receives the seller user input one of the tickets as a ticket content message; the ticket information display interface The ticket content message is displayed; the third party authentication module accepts the 098139032 form number A0101 page 7 / total 24 pages 0892066987-0 201118779 Saki change * Tianpu provides a confirmation message for the content of the ticket; the: factory module Receiving at least - the buyer user bids for one of the votes, and determines a winner based on the bid. [0028] = preferably "the ticket transaction management method of the present invention, further comprising a ticket internal valley retrieval module k and a __ ticket content sorting module, wherein the ticket content retrieval module accepts the buyer user input a search condition, wherein the search condition is used to retrieve the content information of the ticket received by the processing device, and the content sorting module of the calendar is based on the quality amount, the full period 曰
、該當票開立當鋪、以及該當鋪所在地點以上至少其一 排序。The ticket should be opened at the pawnshop, and at least one of the locations above the pawnshop location.
[0029] 根據本發明的構想，提出一種用於當票:交易:管理的網路 顯示介面，包括一質當物名稱攔位、一滿當期日欄位、 一質當金額爛位、一收當當铺攔位、一取贖地點欄位、 以及一競標出價欄位；其中該質當物名稱攔位顯示一賣 家用戶所輸入的一質當物的名稱；該滿當期曰欄位顯示 該賣家用戶所輸入的該質當物的一滿當期曰；該質當金 額棚位顯示該賣家用戶所輸入的該質當物的一質當金額 ;該收當當鋪欄位顯示該賣家用戶所輸入的該質當物的 一收當當鋪；該取贖地點欄位顯示該賣家用戶所輸入的 該質當物的一取贖地點；該競標出價爛位顯示一買家用 戶的一競標出價金額。 [0030]更佳地，本發明之網路顯示介面，更包括一質當物特徵 描述欄位、一質當物影像攔位、一當票開立曰期攔位、 以及一收當當鋪確認攔位；其中該質當物特徵描述欄位 提供該賣家用戶描述該質當物的特徵；該質當物影像欄 098139032 表單編號 Α010Ι 第 8 褒/共 24 頁 0982066987-0 201118779 [0031] Ο [0032] 位顯示該質當物之影像’特別是一3D立體影像；該當票 開立曰期欄位顯示該賣家用戶所輪入的該質票的一開立 曰期；該收當當鋪確認攔位，提供該收當當舖輸入一檢 核訊息，該檢核訊息用以確職賣家用戶所輪人之該質 當物的名稱、滿當期日、舖名稱、以及隸 之内容為正確》 、 更佳地，上述的方法可 產品而實施，該電腦 藉由4理裝置執行—電腦程式 程式可儲存於-電腦可讀取媒體中 藉由下列實施例及圖 不說明，俾得更深入之 了解本發明 【實施方式} [0033] ❹ [0034] 098139032 以下將透過實施例來解 並非用以限制本發明.本發明内容，本發明的實施例 境、應用或特殊方式K如實施例所述之任何特定的環 明僅為_本發明 此，實施例之說 明者，以下實施例及/ 而非用以限制本發明。須說 件已省略而未緣示式中，與本發明非直接相關之元 求容易瞭解，非式中各元件間之尺寸關係僅為 &制實際比例。 請參考第1圖，其為士 & 汽栽_ 、— 發明互助式保險方法之第一實施例 流程不意圖。在第^ 牙 處理系統，該處理系殊勺’一網路當票交易平台架設於一 元、以及-資料庫，^ 處理運算單元…顯示單 或登入個人帳號(步=騎先接受至少一使用者申請 登錄的使用者中的^1);其後，該處理系統接收所 表單編衆A0101 绝弟〜使用者輸入一當票的一當票内 弟9賓/共 ” Μ 頁 0982066987-0 201118779 容訊息（步驟102 )，該當票内容訊息包括質當物名稱、 質當金額、滿當期日、該當票開立當鋪、或取贖地點等 ;其後，該處理裝置顯示該當票内容訊息（步驟103)， 並發送一通知該當票開立當鋪，請該當票開立當鋪針對 該當票内容訊息提送一確認訊息（步驟104)，當系統接 受該確認訊息後再判斷該確認訊息為正向或負向（步驟 105)，若為正向，則表示該當票開立當鋪確認該當票内 容訊息正確無誤，則系統進入一開放競標作業，並接受 至少一第二使用者針對該當票提出一競標出價（步驟106 )，並在競標時間截止或第二使用者出價已達該第一使 用者所設定的一競標上限後，根據該競標出價決定一得 標者（步驟107)。若該確認訊息為負向，則表示該當票 開立當鋪認為該當票内容訊息不正確，此時系統通知該 第一使用者，並開放該第一使用者修改該當票内容訊息 (步驟121)，待修改完成後，系統再次發送一通知該當 票開立當鋪，請該當票開立當鋪針對該當票内容訊息提 送一確認訊息，請其再次確認該當票内容訊息是否正確 (步驟104)，若為正確則始開放該筆當票内容訊息進入 競標程序；若該當票内容訊息為其當票開立當鋪累計負 向確認訊息達一定數量，則系統取消該筆交易，並將該 第一使用者之使用記錄中加入一負向註記（步驟122)。 [0035] 更佳地，此一處理系統可接受該第二使用者輸入一檢索 條件，用以檢索該處理裝置所接收到的至少一該當票内 容訊息，檢索的欄位可為質當金額、該滿當期日、該當 票開立當鋪、以及取贖地點地點等，系統並可將檢索結 098139032 表單編號A0101 第10頁/共24頁 0982066987-0 201118779 果依上述欄位排序，方便買家尋找條件符合所需的當票 内容訊息。 [0036] 上述的當票交易管理方法可藉由一處理裝置執行一電腦 程式產品而實施，該電腦程式可儲存於一電腦可讀取媒 體中。 [0037] 請參考第2圖，其為本發明信用帳戶管理系統一實施例 之結構示意圖。在第2圖中，一當票交易管理系統20 包括一會員管理模組201、一資料庫202、一當票訊息上 Q 架模組203、一當票訊息顯示介面204、一第三方認證模 組205、一競標處理模組206、一當票内容檢索模組207 、以及一當票内容排序模組20 8。其中，會員管理模組 201接受一用戶申請登錄，該用戶包括一買家用戶以及 一賣家用戶；當票訊息上架模組203接收該賣家用戶輸入 一當票之一當票内容訊息；第三方認證模組205即將該當 票内容訊息傳送至該當票開立帳戶，並接受該當票開立 當鋪針對該當票内容訊息傳送一確認訊息，其中傳送方 〇 式可以使用如手機簡訊、電子郵件、專屬帳號之通訊方 式為之；當票訊息顯示介面204則顯示該當票内容訊息， 該當票内容訊息包括數個欄位：質當物名稱櫊位、質當 物特徵描述欄位、當票開立日期欄位、滿當期日欄位、 質當金額欄位、收當當鋪攔位、取贖地點欄位、競標出 價欄位、以及收當當鋪確認攔位；其中質當物名稱欄位 供賣家用戶所輸入的一質當物的名稱，質當物特徵描述 欄位提供該賣家用戶描述該質當物的特徵滿當期日欄位 ;供該賣家用戶所輸入的該質當物的一滿當期日；質當 098139032 表單編號A0101 第11頁/共24頁 0982066987-0 201118779 金額欄位提供該賣家用戶所輸入的該質當物的一質當金 額，收當當鋪攔位顯示該質當物的一收當當鋪；當票開 立日期攔位顯不該賣家用戶所輸入的該質票的一開立日 期’取贖地點攔位’或收當當鋪地址攔位可供該賣家用 戶所輸入的該質當物的—取贖地點；收當當鋪確認攔位 則顯不该收當當鋪所輪入—確認訊息該確認訊息用以 確認該賣家用戶所輪入之該質當物的名稱、特徵、質當 金額、滿當期日、收當當鋪名稱、以及取贖地點等之内 容為正確。 [0038] 競樣處理模組206接收至少一買家用戶針對該當票之一競 標出價，並根據該競標出價碑定一得樣者。該當票内容 檢索模組則接受該買家用戶棒入一檢索條伴:， 用以檢索 該處理裝置所接收到的該當票内容訊息，當票内容排序 模組208則根據該質當金額、滿當期曰、當票間立當鋪以 上至少其一排序。資料庫202則儲存登入的會員資訊與 上述之交易歷程記錄q [0039] 以下列舉一具體詳細實施例說明之》 [0040] 實施例1 : [0041] 小明曰前買了一所舊宅，在大掃除後清出一支老力士金 手錶’拿去附近的老王當鋪典當換取現金繳房貸，老王 當鋪經估價後，以一般市價100, 〇〇〇元的3折30000元，4 個月為期，月息3%收當，並開立一當票給小明。當2個月 過後，小明發現其並無老力士金手錶之需求，並不想贖 回，而老王亦不想麻煩去處理流當品，便建議小明加入 098139032 表單編號A0101 第12頁/共24頁 201118779 此一當票交易管理系統，將該當票讓與有興趣的收藏家 . ，並可嘗試取得更多的現金。 [0042] 小明於是申請登錄此一交易平台成為一會員，並將該當 票的内容依次填入相應的欄位，例如： [0043] 當物名稱：老力士金手錶 質當物特徵：9成新，使用正常 質當金額：30000元 當票開立日期：2009年8月1日 0 利率：月息3% (先扣） 滿當期日：2009年12月1日 取贖地點：台北市南港區老王當鋪 底價：5000元 直接購買價：30000元 結標時間：2009年11月1日 其中，該質當物特徵用以標示質當物的新舊、成色、品 Q 相、使用狀況等等；該當票開立當鋪為一選擇欄位，系 統僅列出簽約加入此系統的所有當鋪；底價則是小明欲 售出該當票的最低價格，直接購買價則為小明可接受直 接決標的價格。當小明填寫完畢，系統則將該筆當票内 容公布於網路上，同時亦發送一通知訊息給當票開立當 鋪，即老王當鋪，要求老王當鋪檢核比對小明輸入的當 票内容是否正確，若為正確，則系統開放該筆交易進入 競標狀態，此時，系統顯示畫面除上述小明所填欄位外 ，並另增加： 098139032 表單編號A0101 第13頁/共24頁 0982066987-0 201118779 [0044] 賣家代號（用戶記錄）：Light ( + 13) 當鋪驗證欄：老王當鋪/正確 目前出價/目前出價代號/出價時間： [0045] 其中，賣家代號（用戶記錄）用以顯示小明的系統登錄代 號及過去的交易評價與系統記錄等，在此，假設小明的 代號為light，過去累積的交易評價為+ 1 3;該當鋪驗 證欄用以向所有使用者顯示此筆交易内容已經當票開立 當鋪驗證無誤。目前出價/目前出價帳號/出價時間則顯 示買家競標的狀態。 [0046] 假設當競標時間結束時，收藏家小華（代號apple)為出 價最高者，如下： [0047] 目前出價/目前出價帳號/出價時間： 1 5000/apple/2009. 1 0. 31 [〇m] 此時系統即判斷小華為得樣者，經過小明與小華自行聯 繫後，小華即以15000元為代價取得該只老力士金手錶的 當票，並於11月1日至老王當鋪取贖，此時仍需再付給老 王當鋪30000元的借貸，因此小華取得該只老力士金手錶 的總代價為其競標出價的金額再加上質當物的質當金額 :15000+30000=45000 。 [0049] 在這筆交易中，由於小華本身已收藏數只同款示的老力 士金手錶，而此一交易讓小華僅以市價不到一半的格就 取得另一收藏；而小明亦因此不但不用再籌錢辦理贖回 他已不需要的金手表，同時更可再取得額外1 5000元的資 098139032 表單編號A0101 第14頁/共24頁 0982066987-0 201118779 金，徹底發揮質當物的剩餘價值；而當鋪則可減少處理 . 流當品的庫存勞務成本與風險，加速資金的流動率。 [0050] 更佳地，在系統運作時，亦可由當鋪直接輸入該當票内 容訊息，該當票内容訊息除上述的内容外，更可包括質 當物的影像等，例如一3D立體影像，足供作為質當買三 方的憑據。當典當人將典當物質當於當鋪時，當鋪即將 該筆當票的當票内容輸入於系統，該當票内容包括：質 當物之名稱、件數及特徵、質當物影像、質當金額、約 ^ 定典當利率及所需服務費用、當票開立曰期、滿當期曰 ❹ 、持當人姓名或代碼、當票開立當舖編號或代碼、以及 責任保險内容等等。 [0051] 當系統接收並儲存該當票内容後，即產生一當票編號， 同時並開立一典當憑證給典當人，該典當憑證可為一紙 當票、一電子郵件、一電子憑證或密碼。當典當人不欲 贖回典當物時，僅需於登錄系統後針對該當票編號傳送 一當票開放出售訊息，或將該當票編號告知當鋪，由該 〇 當鋪辦理該當票的上架動作，再由典當人傳送一求售確 認訊息，系統確認後即可針對該當票進行一公開的拍賣 作業，開放其它使用者競標。得標者與典當人完成交易 後，即可於典當人處取得一交易憑證，例如該紙當票， 或電子郵件，依據該交易憑證向該當鋪辦理一取贖的程 序取得該典當品。 [0052] 更佳的，為加速交易之程序，亦可由該系統於接收該典 當人的一交易完成訊息後，發送一取贖憑證給該得標人 ，得標人再以該取贖憑證向該當鋪辦理一取贖的程序， 098139032 表單編號A0101 第15頁/共24頁 0982066987-0 201118779 取得該典當品。當得標人贖回該典當品時，即發送一取 贖完成訊息，系統即根據該取贖完成訊息將該筆當票内 容下架不再顯示，同時將上述的交易歷程訊息儲存於資 料庫。 [0053] 藉由上述之當票交易系統，參與的當鋪可以簡化典當作 業程序，同時增加典當品與資金的流動性，不但讓典當 人取得更多的資金收入，也讓資本家或收藏家能夠經一 開放且安全的交易系統尋找並取得有興趣的物品，達成 三贏的效果。 [0054] 總結上述，本發明之當票交易管理方法與系統，其活絡 資金與物品流通，讓市場各取所需，物盡其用，金盡其 流，有效克服習知技術之諸般缺點而具經濟上的特殊 效益，實為一難能可貴的發明。 [0055] 上述之實施例僅用來例舉本發明之實施態樣，以及闡釋 本發明之技術特徵，並非用來限制本發明之保護範疇。 任何熟悉此技術者可輕易完成之改變或均等性之安排均 屬於本發明所主張之範圍，本發明之權利保護範圍應以 申請專利範圍為準。 【圖式簡單說明】 [0056] 第1圖係本發明當票交易管理方法第一實施例流程示意圖 〇 [0057] 第2圖係本發明當票交易管理系統第二實施例之結構示意 圖。 【主要元件符號說明】 098139032 表單編號A0101 第16頁/共24頁 0982066987-0[0029] According to the concept of the present invention, a network display interface for ticket: transaction: management is proposed, including a quality object name block, a full current day field, a quality when the amount is bad, and a receipt a pawnshop block, a redemption location field, and a bidding bid field; wherein the quality object name block displays a name of a quality object entered by the seller user; the full current period field displays the The quantity of the quality of the quality item entered by the seller user; the quality amount of the booth shows the quality of the quality of the quality input by the seller user; the receipt of the pawn shop shows the seller's user Entering a pawnshop of the quality object; the redemption location field displays a redemption location of the quality object input by the seller user; the bid price is displayed as a bid amount of a buyer user . [0030] More preferably, the network display interface of the present invention further includes a quality feature description field, a quality object image blocking position, a ticket opening period, and a pawnshop confirmation. Blocking; wherein the quality feature description field provides the seller user to describe the characteristics of the quality; the quality image field 098139032 Form number Α 010 Ι 8 褒 / 24 pages 0982066987-0 201118779 [0031] Ο [ 0032] The bit displays the image of the quality object, in particular a 3D stereoscopic image; the ticket opening period column displays an opening period of the quality ticket that the seller user has entered; the receiving pawn shop confirms the barrier Bit, provide the checkout shop to enter a check message, the check message is used to confirm the name of the quality of the seller’s user, the date of the current day, the name of the shop, and the content of the package is correct. The above method can be implemented as a product. The computer is executed by a device. The computer program can be stored in the computer readable medium. The following examples and diagrams are not described. Invention [Embodiment] [0033] [0034] The following is a description of the present invention, which is not intended to limit the present invention. The present invention, the specific embodiments of the present invention, the application or the special mode K are as described in the embodiments. The following examples and/or are not intended to limit the invention. It should be noted that the parts have been omitted, and the elements that are not directly related to the present invention are easily understood. The dimensional relationship between the elements in the non-form is only the actual ratio of the & Please refer to Fig. 1, which is a schematic diagram of the first embodiment of the invention of the mutual aid insurance method. In the ^ tooth processing system, the processing system is a 'net network ticket trading platform set up in a dollar, and - database, ^ processing unit... display list or login personal account (step = ride first accept at least one user ^1) of the user who applied for login; thereafter, the processing system receives the form editor A0101, the younger brother - the user enters a ticket, the ticket is the same as the guest 9 guests / total" Μ page 0982066987-0 201118779 (Step 102), the ticket content message includes a quality name, a quality amount, a full current date, a ticket opening pawn, or a redemption location, etc.; thereafter, the processing device displays the ticket content message (step 103) And sending a notice to the ticket to open the pawn shop, please send the ticket to the pawn to send a confirmation message to the ticket content message (step 104), and when the system accepts the confirmation message, determine that the confirmation message is positive or negative. (Step 105), if it is positive, it means that when the ticket is opened, the pawn confirms that the ticket content message is correct, the system enters an open bidding operation, and accepts at least one second user for the ticket. Deriving a bid (step 106), and after the bidding deadline or the second user bid has reached a bid limit set by the first user, determining a bidder according to the bidding bid (step 107). If the confirmation message is negative, it means that when the ticket is opened, the pawn thinks that the ticket content information is incorrect, and the system notifies the first user, and opens the first user to modify the ticket content message (step 121). After the modification is completed, the system sends a notification to the ticket to open the pawn shop. Please ask the ticket to open the pawn shop to send a confirmation message to the ticket content message, and ask it to confirm whether the ticket content message is correct (step 104), if it is correct. Then, the content of the ticket is opened to enter the bidding process; if the ticket content message is a negative amount of the negative confirmation message for the pawn shop, the system cancels the transaction and uses the first user. A negative annotation is added to the record (step 122). [0035] More preferably, the processing system can accept the second user to input a search condition for retrieving the At least one of the ticket content messages received by the device, the searched field may be a quality amount, the full current date, the pawn opening the pawn, and the location of the redemption location, etc., and the system may retrieve the 098139032 form number A0101 Page 10 of 24 page 0982066987-0 201118779 If you sort by the above fields, it is convenient for the buyer to find the condition that meets the required ticket content information. [0036] The above-mentioned ticket transaction management method can be executed by a processing device. A computer program product is implemented, and the computer program can be stored in a computer readable medium. [0037] Please refer to FIG. 2, which is a schematic structural diagram of an embodiment of the credit account management system of the present invention. The ticket transaction management system 20 includes a member management module 201, a database 202, a Q message module 203, a ticket information display interface 204, a third party authentication module 205, and a bidding The processing module 206, the ticket content retrieval module 207, and the ticket content sorting module 208. The member management module 201 accepts a user application registration, the user includes a buyer user and a seller user; when the ticket information shelf module 203 receives the seller user input one of the tickets as a ticket content message; third party authentication The module 205 transmits the ticket content message to the ticket opening account, and accepts the ticket opening pawn to transmit a confirmation message for the ticket content message, wherein the transmitting party can use, for example, a mobile phone newsletter, an email, or a dedicated account. The communication method is the same; when the ticket information display interface 204 displays the ticket content message, the ticket content message includes several fields: a quality object name field, a quality object description field, and a ticket opening date field. , the current day column, the quality amount field, the pawn block, the redemption location field, the bid bid field, and the pawn shop confirmation block; the quality object name field is input by the seller user The name of the quality object, the quality description field provides the seller user to describe the characteristics of the quality of the current day field; for the seller user Enter the date of the expiration of the quality; quality 098139032 Form No. A0101 Page 11 / Total 24 Page 0982066987-0 201118779 The Amount field provides the amount of the quality of the quality input entered by the seller user. When the pawnshop block displays a pawnshop of the quality object; when the ticket opening date is blocked, the seller’s user enters the date of the opening of the ticket, the location of the redemption location or the address of the pawnshop. The place where the seller can enter the quality of the goods - the location of the redemption; the receipt of the pawn shop to confirm the block is not the turn-off of the pawn shop - confirmation message, the confirmation message is used to confirm the seller's round The name, characteristics, quality amount, full date of the day, the name of the pawn shop, and the location of the redemption are correct. [0038] The sample processing module 206 receives at least one buyer user bidding for one of the betting tickets, and determines a winner according to the bidding bid. The ticket content retrieval module accepts the buyer user into a search bar: for retrieving the ticket content message received by the processing device, and when the ticket content sorting module 208 is based on the quality amount, At the time of the current period, when the ticket is established, the pawnshop is at least one sort. The database 202 stores the registered member information and the above transaction history record q [0039] The following is a detailed description of the detailed description of the embodiment [0040] Example 1: [0041] Xiao Minghao bought an old house before After the cleaning, I cleared out an old Luxe watch. I took the nearby Laowang pawnshop pawn in exchange for cash to pay the mortgage. After the Laowang pawn shop was evaluated, the general market price was 100, and the Yuanyuan’s 3 fold was 30,000 yuan for 4 months. The monthly interest rate is 3%, and a ticket is issued to Xiao Ming. After 2 months, Xiao Ming found that he did not have the demand for the old Lux watch, and did not want to redeem it. And Pharaoh did not want to bother to deal with the flow, he suggested Xiao Ming to join 098139032 Form No. A0101 Page 12 of 24 201118779 This one-time ticket transaction management system will give the ticket to interested collectors and try to get more cash. [0042] Xiao Ming then applied to log in to this trading platform to become a member, and the contents of the ticket will be filled into the corresponding fields in order, for example: [0043] The name of the object: the old Lux gold watch quality characteristics: 90% new Use normal quality when the amount: 30,000 yuan when the ticket is opened Date: August 1, 2009 0 Interest rate: monthly interest rate 3% (first deduction) Full date: December 1, 2009 Redemption location: Nangang District, Taipei City Laowang pawn shop reserve price: 5000 yuan direct purchase price: 30,000 yuan settlement time: November 1, 2009, which is used to mark the quality of old and new, color, Q phase, use status, etc.; When the ticket is opened, the pawn shop is a selection field. The system only lists all the pawn shops that sign up to join the system; the reserve price is the lowest price that Xiao Ming wants to sell the ticket, and the direct purchase price is the price that Xiao Ming can accept the direct award. When Xiao Ming fills in the system, the system will post the contents of the ticket on the Internet, and also send a notification message to the pawn to open the pawn shop, that is, the pharaoh pawn shop, ask the pharaoh pawn shop to check the content of the ticket entered by Xiao Ming. Whether it is correct, if it is correct, the system opens the transaction into the bidding state. At this time, the system display screen is added in addition to the above-mentioned Xiaoming fill-in field: 098139032 Form No. A0101 Page 13/24 pages 0982066987-0 201118779 [0044] Seller code (user record): Light ( + 13) Pawnshop verification bar: Pharaoh pawn shop / correct current bid / current bid code / bid time: [0045] where the seller code (user record) is used to display Xiao Ming The system login code and past transaction evaluation and system records, etc., here, assuming that Xiao Ming's code is light, the past accumulated transaction evaluation is + 1 3; the pawnshop verification column is used to display the transaction content to all users. When the ticket is opened, the pawn shop is verified. The current bid/current bid account/bid time shows the status of the buyer's bid. [0046] Assume that when the bidding time ends, the collector Xiaohua (code name) is the highest bidder, as follows: [0047] Current bid / current bid account / bid time: 1 5000/apple/2009. 1 0. 31 [ 〇m] At this point, the system judges Xiaohua as the sampler. After Xiaoming and Xiaohua contact themselves, Xiaohua obtained the ticket for the old Lux gold watch at the cost of 15,000 yuan, and it was old on November 1st. Wang Dangpu redemption, at this time still need to pay the Laowang pawn shop 30,000 yuan of borrowing, so Xiaohua obtained the total price of the old Lux gold watch for the amount of its bidding plus the quality of the quality: 15000 +30000=45000. [0049] In this transaction, because Xiaohua itself has collected several old Luxor watches of the same type, this transaction allows Xiaohua to obtain another collection only at less than half the market price; Therefore, it is not necessary to raise money to redeem the gold watch that he does not need. At the same time, he can get an additional 15,000 yuan. 098139032 Form No. A0101 Page 14/24 pages 0982066987-0 201118779 Gold, thoroughly play the quality The surplus value; while the pawnshop can reduce the processing. The cost and risk of inventory labor and the speed of capital flow. [0050] More preferably, when the system is in operation, the ticket content information may be directly input from the pawnshop, and the ticket content information may include an image of the quality object, such as a 3D stereo image, in addition to the above content. As a quality to buy the credentials of the three parties. When the pawnshop treats the pawn material as a pawn shop, the pawnshop will enter the ticket content of the pen ticket into the system. The ticket content includes: the name of the quality object, the number and characteristics of the ticket, the quality image, the quality amount, The pawn rate and the required service fee, the ticket opening period, the full period, the name or code of the holder, the pawn number or code when the ticket is opened, and the liability insurance content. [0051] When the system receives and stores the contents of the ticket, a ticket number is generated, and a pawn certificate is opened to the pawn, and the pawn certificate can be a paper ticket, an email, an electronic certificate or a password. . When the pawn does not want to redeem the pawn, he only needs to send a ticket to sell the post for the ticket number after logging in to the system, or inform the pawnshop of the ticket number, and the pawnshop will handle the action of the ticket, and then The pawn person sends a confirmation message for sale, and after the system confirms, a public auction operation can be performed for the ticket, and other users are bidding. After the successful bidder completes the transaction with the pawn, he can obtain a transaction voucher from the pawn, such as the paper ticket, or e-mail, and obtain the pawn from the pawnshop according to the transaction voucher. [0052] More preferably, in order to speed up the transaction, the system may also send a redemption voucher to the winner after receiving a transaction completion message of the pawn, and the bidder then uses the redemption certificate. The pawn shop handles the redemption procedure, 098139032 Form No. A0101 Page 15 / Total 24 Page 0982066987-0 201118779 Obtain the pawn. When the bidder redeems the pawn, the system sends a redemption completion message, and the system removes the content of the ticket as a result of the redemption completion message, and stores the transaction history information in the database. . [0053] With the above-mentioned ticket transaction system, the participating pawnshops can simplify the pawn operation procedure and increase the liquidity of the pawn goods and funds, not only allowing the pawn to obtain more capital income, but also allowing the capitalist or collector to pass the An open and secure trading system finds and acquires items of interest and achieves a win-win result. [0054] Summarizing the above, the ticket transaction management method and system of the present invention circulates funds and articles, allows the market to take all the needs, uses the best materials, and does its best to effectively overcome the shortcomings of the prior art. It is a rare and valuable invention with economical special benefits. The embodiments described above are only intended to illustrate the embodiments of the present invention, and to explain the technical features of the present invention, and are not intended to limit the scope of protection of the present invention. It is intended that any change or equivalents that can be easily made by those skilled in the art are within the scope of the invention. The scope of the invention should be determined by the scope of the claims. BRIEF DESCRIPTION OF THE DRAWINGS [0056] FIG. 1 is a schematic flow chart of a first embodiment of a ticket transaction management method of the present invention. [0057] FIG. 2 is a schematic structural view of a second embodiment of the ticket transaction management system of the present invention. [Main component symbol description] 098139032 Form number A0101 Page 16 of 24 0982066987-0