Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Method and system for on-line interactive independent interest rate capital depositing and debiting platform

An autonomous and interactive technology, applied in finance, instruments, data processing applications, etc., can solve problems such as not reflected, and achieve the effect of reducing time and space constraints, reducing transaction costs, and improving operational efficiency

Inactive Publication Date: 2008-10-29
SHACOM COM
View PDF1 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, forward-looking financial companies and experts are not satisfied with this. They believe that: e-banking at the present stage is a closed system between banks and customers, and it has not yet reflected the information symmetry of both parties in the transaction in the era of network technology. The type of transaction that direct finance should display

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Method and system for on-line interactive independent interest rate capital depositing and debiting platform
  • Method and system for on-line interactive independent interest rate capital depositing and debiting platform
  • Method and system for on-line interactive independent interest rate capital depositing and debiting platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0090] Assuming that member A applies for and is approved to participate in the online interactive independent interest rate fund deposit and lending platform to become a member, the management server of the online interactive independent interest rate fund deposit and lending platform grants member A an account number and password, and member A obtains the issued account number and password , you can use this account number and password to log in to the online interactive independent interest rate fund deposit and lending platform to conduct transactions, query operations and other activities. After member A enters the account number and password, he can enter the online interactive independent interest rate fund deposit and loan platform to conduct transactions after passing the security control review of the online interactive independent interest rate fund deposit and loan platform.

[0091] After member A logs on to the platform, he can choose to query information or parti...

Embodiment 2

[0101]Assume that member B uses the member account number and password to log in to the online interactive independent interest rate fund deposit and loan platform. After the management server reviews, member B is allowed to log in. Member B can choose to query information or enter the platform to bid for transactions. When the member enters the platform for bid transactions At that time, member B can enter the bidding price, time limit, and bidding upper limit according to his own financial needs, and after pressing OK, the platform will check the input content, and the platform will judge whether to accept member B's platform bidding transaction. The online interactive autonomous interest rate fund deposit and loan platform performs program calculations in advance to determine the basic standard price at that point in time. The decision of the basic standard price is a dynamic process, and its generation is based on the supply of funds, the demand for funds, and the platform o...

Embodiment 3

[0126] Member C participates in the platform bidding transaction with a period of 60 sessions and a bidding limit of 10,000 yuan. Assume that member C has participated in the platform bidding transaction for 24 sessions. Member C has not yet obtained funds through the platform bidding transaction and is still a deposit member. Member C actually deposits RMB 192,000, and earns RMB 48,000 in receivable bid interest income. If Member C has capital needs at this time, Member C can conduct online auction or transfer of the bid warrants he holds. Assuming the final price is The price of 216,000 yuan is transferred to other members-member B. For member C, the bid interest income is 24,000 yuan, which is equivalent to participating in a 24-period platform bidding transaction, and each period obtains a bid interest income of 1,000 yuan. The member who wins the bid - Member B is also profitable. If the bidder is a general savings member, as long as he pays Member C 216,000 yuan, he will ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention relates to a method and a system of an on-line interactive depositing and borrowing platform for funds with self-determined interest rates; the method is applied for the direct financing and e-commerce. The platform operation adopts a trade mode that the members compete with the platform one-to-one for the funds with self-determined interest rates. After the membership is approved and registered through the platform, the members can apply for a credit line according to transaction demands and offer bidding and conduct a transaction by inputting terms of trade to an interface which is supplied by a management server of the platform for the users. A first bidding and transaction focus on the establishment of a mutual business connection, while the following bidding and transaction put emphasis on the transaction efficiency, impose restrictions on the time and frequencies of bidding, so as to speed up the price discovery of the funds. After the completion of the bidding and transaction, the management server carries out a settlement and delivery according to the information of the bargain concluded, and issues a bidding warrant which is used for hypothecation, bidding and transfer for the members with deposits after the settlement and delivery. Moreover, the financial institutions acquire a claim from the members borrowing funds from the platform, issue and sell out the recognized securities for the rights of the borrowing.

Description

technical field [0001] The present invention relates to a method and system for an online interactive autonomous interest rate fund deposit and loan platform, which can provide member-customized financial products on the basis of fast, convenient, safe and fair network technology, and utilize the online bidding mechanism, To achieve the goal of members deciding the interest rate by themselves, and to solve the dilemma of the existing indirect financial model of banks or related financial industries in the era of network technology. Background technique [0002] In the traditional financial deposit and loan system, unspecified people deposit money into the bank, the bank pays the interest on the deposit, and then the bank lends to unspecified people, charging higher loan interest and earning a spread. This way of saving and borrowing is called indirect finance. In the era of indirect finance, both depositors and borrowers are affected by information closure, and bankers have...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/04
Inventor 简永松邱仕敏林展圣吴彦廷陈彦岑廖彦凯
Owner SHACOM COM
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com