Secure network system for mutual aid loan association and data processing method of the same
First Claim
1. A data processing method for a secure network system of an association of mutual aid loan;
- comprising the steps of;
controlling and managing a plurality of terminals by an association web site, the association web site accepting the users of the terminals as members of the association, and receiving association lists input by each of the terminals;
publishing a message indicating the initiation of an association to each of the terminals of the association feet listed on the association list if the web site acknowledging the establishment of the association list, and receiving messages of agreement on the initiation of the association from the terminals;
receiving bidding message input from the terminals of the association feet by the wed site;
outputting message of opening a bid to each of the association feet after confirmation of opening a bid by the web site; and
outputting a message indicating the stopping of the association from the web site to each of the terminals of the association feet if it is discovered that the association cannot be continued.
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Accused Products
Abstract
A secure network system of association of mutual aid loan and the data processing method of the same are disclosed. In the system of the present invention, the association web site controls and manages the anonymous bidding of each of the association feet to the web site, anonymous opening of the bid, and each of the association feet paying the association fund to the association web site and the web site paying the collected total fund to the winner foot, or each of the feet paying individually the association fund to the winner foot. The messages and electronic contracts being communicated between the association web site and each of the feet are encrypted and decrypted by using keys and digital signatures so as to protect from fraudulent bid by real (false) association feet. Each of the feet may change his/her amount of bidding money with unlimited times before the closing date and opening of the bid of each term of the association. The association foot downloads the association list set by other feet and negotiates the contents and conditions of the association list via the network using peer to peer mode.
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Citations
18 Claims
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1. A data processing method for a secure network system of an association of mutual aid loan;
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comprising the steps of;
controlling and managing a plurality of terminals by an association web site, the association web site accepting the users of the terminals as members of the association, and receiving association lists input by each of the terminals;
publishing a message indicating the initiation of an association to each of the terminals of the association feet listed on the association list if the web site acknowledging the establishment of the association list, and receiving messages of agreement on the initiation of the association from the terminals;
receiving bidding message input from the terminals of the association feet by the wed site;
outputting message of opening a bid to each of the association feet after confirmation of opening a bid by the web site; and
outputting a message indicating the stopping of the association from the web site to each of the terminals of the association feet if it is discovered that the association cannot be continued. - View Dependent Claims (2, 3, 11, 12, 13, 14, 16, 18)
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4. A data processing method for a secure network system of an association of mutual aid loan, comprising the steps of:
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(a) an association list including at least three or more association feet, wherein one of the feet inputs an association list after imputting his/her user'"'"'s ID and member'"'"'s password, the items recorded on the association list include;
the name, address, telephone number and email address of each of the association feet, the type and basic amount of the association fund, date of initiation of the association, date of each term of the association, mode of the association, agreement on the amount of money of bidding, agreement on the dates for opening bids, agreement on the path of flowing of the association funds, agreement on the mechanism of flowing of the funds selected by the association feet, time limit for the association feet to pay their association funds, the method for handling unable continuation of the association due to the association feet'"'"'s failure to pay the association fund to the association web site within the time limit or other events, and the user'"'"'s ID code of each of the association feet used for web site of the association;
(b) checking the user'"'"'s ID code, if an association foot on the association list is not a qualified member of the web site of the association according to the result of the checking, a message indicating that the association list can not be established is created and output to the association foot who has input the association list;
(c) assigning an association number m for the association list, determining that there are p feet (p=3,4,5,6 . . . ) in the association no. m, assigning a different association foot number k (k is a random number) to each of the p feet in the association no. m, determining that one association foot no. can only be collected into one association no., and assigning an association password w used by the association foot no. k for the association no. m;
(d) combining the association number m, foot number k, association password w, and a plain text of the association web site to form a message for initiating an association for the association no. m and foot no. k, then outputting it to the foot of the foot no. k, and publishing the relevant materials on the initiation of the association no. m on the web page of the association web site;
(e) before the date of initation, each of the association feet of the association no. m inputs his/her user'"'"'s ID code and user'"'"'s password for the association web site to access the web page of the association web site, inputs the association number m, the foot number k, and the association password w, then selects a displayed button displaying agreement on the initiation of the association no, m and for the association foot to input his/her selections;
(f) if the results of the checking indicate that one foot of the association no. m does not agree with the initiation of the association no. m, a message indicating that the initiation of the association by the association list is not established, is created by the association web site and output to the association foot who has input the list, otherwise, a message indicating the successful initiation of the association is output to each of the feet of the association no. m;
(g) at least one association foot no. k of the association no. m inputs his/her user'"'"'s ID code and user'"'"'s password for the association web site to assess the web page of the association web site, inputs the association number m, foot number k and association password, and then selects at least one displayed button displaying the date of a bid having not been opened yet, and inputs the amount of money of bidding;
(h) checking if there is any bid that has passed the date for opening but not been opened yet, according to the agreement on the dates for opening of the bids, if so, determining the winner'"'"'s foot number of this term of the association, updating and publishing the results of the process of the association and the materials on the flowing of the association funds on the web site, and paying the association fund of this term of the association to the winner foot according to the agreement on the path of flowing of the association funds and the agreement on the mechanism of flowing of the funds selected by the association feet; and
(i) according to the results of checking, if the association can not be continued due to one or more feet of the association no. m have not paid their association funds within the time limit, or other events, a message indicating that the association can not be further continued is published on the association web site, and each of the association feet is notified of doing according to the method for handling unable continuation of the association of mutual aid loan. - View Dependent Claims (5, 6, 7, 8, 9)
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10. A method for a secure network system of association of mutual aid loan, comprises the following steps:
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inputting a message including an association list for requesting the initiation of an association by an association foot;
creating a message for initiating an association, after determining that each of the association feet listed on the association list is a member of the web site and the items recorded in the association list conform with stipulations by laws, this message including an association number assigned to that association list, foot number assigned to each of the association feet, and the method of lots drawing to be used when no association foot makes any bidding before the expiration of each term of the association, and delivering the message for initiating an association to each of the association feet listed on the association list, respectively;
outputting a message indicating the successful initiation of the association to each of the feet listed on the association list, after determining that a message indicating agreement with the message for the initiation of an association individually input by each of the feet listed on the association list has been received before the date of initiating the association listed on the list;
inputting bidding information by at least one of the feet listed on the association list, before the date of any term of the association listed on the list and the bid of which having not been opened yet;
after the opening of a bid that having not been opened yet after the expiration of the date of bidding of this association number, outputting a message of bid opening individually to each of the feet, and updating and publishing the results of the association process and materials on the flowing of the association funds; and
if the association of mutual aid loan can not be continued due to certain reasons, sending a message of the stopping of the association to each of the feet of the association no., respectively, this message for stopping the association is the method for handling the unable continuation of the association recorded in the association list. - View Dependent Claims (15)
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17. A secure network system of association of mutual aid loan, comprises:
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an association web site;
a plurality of terminals connected to the web site via a network, the terminals have already registered on the web site as association foot members of the association and been controlled and managed by the web site, each of the terminals is configured with association software for implementing the association and a browser software; and
means for connecting said terminals to the server of the web site via the Internet;
wherein, an association list set by three or more feet terminals with the feet'"'"'s mutual confidence and agreement is input to the server of the association web site by one of the terminals of the association feet whose name is listed on the association list;
the server of the association web site determines that the association list conforms with the provisions of relevant laws of association and that all the terminals of the association feet members agree on the initiation of the association, the association web site accepts the bidding of each of the terminals of the association feet having not won any bid on the association list, determines the winner foot of each term of the association of the list, and updates and publishes the result of the process of the association and the materials on the flowing procedure of the association funds.
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Specification