Interactive online funding method and system thereof
First Claim
1. 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−
1n)×
((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.
1 Assignment
0 Petitions
Accused Products
Abstract
An interactive online funding method includes providing an interactive online funding platform, offering an interactive funding activity for a user to participate in the interactive online funding platform, by placing a bid, and comparing the bid price of the user with a threshold price set by the interactive online funding platform. When the bid price is greater than or equal to the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to remit a loan amount to the user according to at least the bid price; when the bid price is lower than the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to receive a deposit amount from the user according to the bid price.
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Citations
24 Claims
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1. An interactive online funding method, comprising:
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(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−
1n)×
((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. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An interactive online funding system, comprising:
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a management server for receiving a bid price placed by a user, configured to determine a threshold price according to at least one of a funding supply, needs of funding, and differences between a long-term interest rate and a short-term interest rate;
configured to determine whether to allow the bid price according to the threshold price and a credit amount of the user; and
configured to determine the user to be a lender when the bid price is not larger than the threshold price and when the credit amount is successively verified, and the management server determining a deposit amount of the user according to the bid price;a member information database coupled to the management server for storing member information generated through exchanging messages between a user and the management server; an interactive funding database coupled to the management server for storing data of interactive funding activities and verification information between the user and the management server; a cash flow calculation database is coupled to the management server for storing a cash flow of the loan amount and the deposit amount settled by the management server according to an interest rate of the bid price; and a settlement and liquidation database is coupled to the management server for storing data of settlement and liquidation executed by the management server, wherein the management server is configured to determine 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, and a bid price given by the winner at the current term, wherein the total amount at an n-th term is determined by the management server according to
An=(U−
1n)×
((N−
n)+(U×
(n−
1)); andwherein 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 In represents the bid price given by the winner at the n-th term. - View Dependent Claims (8, 9, 10, 11, 12)
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13. An interactive online funding method, comprising:
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(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 sum of bid prices given by winners of previous terms, 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 - View Dependent Claims (14, 15, 16, 17, 18)
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19. An interactive online funding system, comprising:
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a management server for receiving a bid price placed by a user, configured to determine a threshold price according to at least one of a funding supply, needs of funding, and differences between a long-term interest rate and a short-term interest rate;
configured to determine whether to allow the bid price according to the threshold price and a credit amount of the user; and
configured to determine the user to be a lender when the bid price is not larger than the threshold price and when the credit amount is successively verified, and the management server determining a deposit amount of the user according to the bid price;a member information database coupled to the management server for storing member information generated through exchanging messages between a user and the management server; an interactive funding database coupled to the management server for storing data of interactive funding activities and verification information between the user and the management server; a cash flow calculation database is coupled to the management server for storing a cash flow of the loan amount and the deposit amount settled by the management server according to an interest rate of the bid price; and a settlement and liquidation database is coupled to the management server for storing data of settlement and liquidation executed by the management server, wherein the management server is configured to determine 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 sum of bid prices given by winners at previous terms, wherein the total amount at an n-th term is determined by the management server according to - View Dependent Claims (20, 21, 22, 23, 24)
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Specification