WO2019083413A2 - Procédé pour réaliser en ligne des transactions électroniques de fourniture de services financiers et système en ligne automatisé pour sa mise en oeuvre - Google Patents

Procédé pour réaliser en ligne des transactions électroniques de fourniture de services financiers et système en ligne automatisé pour sa mise en oeuvre

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Publication number
WO2019083413A2
WO2019083413A2 PCT/RU2018/000840 RU2018000840W WO2019083413A2 WO 2019083413 A2 WO2019083413 A2 WO 2019083413A2 RU 2018000840 W RU2018000840 W RU 2018000840W WO 2019083413 A2 WO2019083413 A2 WO 2019083413A2
Authority
WO
WIPO (PCT)
Prior art keywords
investor
bank
offer
deposit
interest rate
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/RU2018/000840
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English (en)
Russian (ru)
Other versions
WO2019083413A3 (fr
Inventor
Андрей Александрович ТУНИКОВ
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of WO2019083413A2 publication Critical patent/WO2019083413A2/fr
Publication of WO2019083413A3 publication Critical patent/WO2019083413A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce

Definitions

  • the present invention relates to data processing systems to facilitate financial transactions.
  • the present invention relates to a data processing device and method for managing trade in particular categories of assets, including securities, financial liabilities, commodities and their derivatives, in accordance with specific protocols of auction trading carried out by controlled sequences of auction events.
  • the proposed group of inventions including the method of online transactions for the provision of financial services and the system for its implementation, the system provides a mutually beneficial and rapid conclusion of trade transactions between the seller and the buyer.
  • the basis of economic activity are transactions between buyers and sellers for the sale and purchase of all goods and services produced and consumed in the framework of a market economy. They are the main mechanism by which resources are distributed among producers and products among consumers. The functioning of the mechanism for concluding transactions between buyers and sellers can be and often is the decisive factor determining economic efficiency, and proper management of this mechanism leads to a significant improvement in the functioning of the market.
  • the market price is that price (in a given currency) at which in a fully developed market and with universal access to it, a transaction can be concluded for a particular commodity.
  • Market price can be obtained only in the case when, in essence, all potential buyers and sellers are allowed full access to the transaction and when each of the parties is given the opportunity to express their wishes.
  • This announcement was expressed in the form of a loud verbal “shouting” of the purchase prices or offers offered by the client and agreeing with the colleagues authorized to carry out these operations to extract complementary positions until the volume of transactions is balanced and the transaction is concluded.
  • This process of "collecting data on trade transactions” is based on reports released after the transaction, which report what happened on the exchange trading that has just taken place, carried out by direct contact of sellers and buyers.
  • the auction server includes means for determining whether there is an auction open for a specific item, creating a new auction for the item, if there is no auction open for the item; revocation of the amount of the revision of the existing price in accordance with the request for the revision of the existing price by the auction participants and reduction of the existing price of the product by the amount of the withdrawn amount of the revision of the existing price, the means of determining the first bidder at a particular existing price as a winner, the means of determining the specific existing price as a winning price, and closing the auction, funds for the execution of the new auction, open to other buyers after the first bidder and new bidders.
  • the disadvantage is that the price of goods changes due to the bets made, and the speed of the auction does not increase, and the speed of customer service in any case is the sum of the times of consecutively opened auctions.
  • This system included a computer connected to the Internet that performed the following functions: (1) receiving an electronic loan application from a potential borrower; (2) the transfer of such an application over a computer network to the computer of the creditor of the creditor-instance authorizing the loan to obtain its approval; (3) receiving an e-mail from the computer of the creditor of the creditor-instance authorizing whether the loan is approved or not; (4) making this application for the purchase of a loan, in if it is approved, into a database accessible to creditors through the computer network mentioned; and (5) storing this loan purchase application in a database for a certain predetermined period of time during which lenders submit their offers and the borrower can accept such an offer.
  • Auctions can be completely different and vary greatly in: types of products offered, auction auctioning techniques, methods for setting the starting price, determining the opening and closing of the auction, the number of participating sellers and buyers. Despite all the differences in types and types, there are several main points that unite all auctions, such as: classification, determination and preparation of lots for sale, acceptance and processing of bids from participants and determination of the winner.
  • the objective of the claimed invention is to overcome the above disadvantages and expand the Arsenal of technical equipment for the following purposes: "a way to conduct online electronic transactions for the provision of financial services and an automated online system for its implementation.”
  • the investor through the interface of the EFTFP bank subsystem using the server processor, additionally forms the investor’s offer acceptance rules whose proposed price is equal to or close to the maximum allowable interest rate set by the bank, the server saves them in the EFTFP memory block and initiates in automatic mode when the specified event occurs.
  • the acceptance of the investor's offers, the proposed interest rate on a deposit which is equal to or close to the maximum allowable interest rate set by the bank for the amount and term of the financial services provided by the investor is carried out selectively, according to the lottery principle, the parameters of which are set by the bank and remain in the data structure
  • the database of the ETPP memory block is closed from the other ETPP users.
  • the bank additionally sets the maximum maximum interest rate closed to the investor, which is the largest maximum interest rate. Moreover, in a possible embodiment, the bank additionally sets the parameter for the minimum number of investors' offers and the parameter of the portfolio amount of these offers, which are closed for investors, which can be accepted at the maximum maximum interest rate.
  • the EFTP processor forms and sends to the investor a pre-established message with a proposal to select the waiting mode of the offer, and and confirming the choice of this mode by the investor sent to the server through the interface of the trading platform, the server automatically, with using the processor, generates and sends to the processing center the preset management team for the preliminary acceptance of the offer with the expectation and write-off of the corresponding investor’s stated offer of money from the bank card or the investor’s bank account to the ESCRO account of the EFTPC, assigns the personal payment number, generates using the processor and sends a message about investor transactions; on the basis of matching the offer mode with the expectation, the server aggregates, using the processor, the investors' offers in the specified range of interest rates
  • the server in case of refusal to accept the investor's offer, the server simultaneously generates a pre-set message to the investor with a proposal to lower the proposed interest rate or end the bidding, while the investor confirms the completion of the bidding, the server initiates and sends the management team to the processing center to unblock the deposited funds a bank card or investor’s bank account, carried out at the stage of the offer to ESCRO, an ETPPC account or at the stage of preliminary consideration pta offer with expectation.
  • the investor additionally establishes via ETPP interface and saves, using the processor, to the database of the memory module of the trading platform, the parameter of the minimum bidding step for which the proposed price of the investor can be changed.
  • the minimum bidding step corresponding to the step of changing the interest rate on a deposit allowed by the ETPP system can be specified in the message of the EFTFP server sent to the investor and / or output to the display device of the investor’s computer device using the EFTFP interface.
  • an online bidding system for implementing the above method, comprising an ETPP server, including at least a central processor with installed software, a memory module associated with the processor and a security module, and a data storage system of the bidders associated with a central processor, a memory module, and also containing a communication interface with a set of bidders and a processor that communicates with a set of bidders
  • a communication interface characterized in that the system forms a two-tier sales system, where the data storage system contains at least the data of two groups of bidders with the status of a bank and an investor, including at least the participant’s identification information, its ID in the system, which determines its status and restrictions on access to system resources;
  • the memory module contains subsystems of the bank and the investor organized in software and hardware, the subsystem for determining the terms of the transaction, as well as cash management subsystems connected via communication channels with security and integration subsystems with the processing center; moreover, the bank's subsystem contains public and private
  • the bank carries out a public offer to provide financial services on its portal and / or ETPP
  • the closed data contains, at least, data on the established by the bank as much as possible the fixed interest rate on the deposit, the higher rate of the regular offer
  • the borrower's subsystem contains at least the investor’s proposed interest rate set by the investor for the deposit and details for payment and / or deposit of funds for the acceptance of the investor’s offer
  • the sales levels are formed by the subsystem for determining the terms of the transaction, containing, at least on the first level, the procedure for accepting an investor's offer according to the affiliation of the proposed investor interest rate to a range of rates lower than or equal to the maximum the bank’s rate, and on the second level, the order of acceptance of the investor’s offer according to the ownership of the proposed interest rate on the deposit is lower than the maximum maximum, but higher than the maximum allowable interest rate on the bank’s contribution.
  • the bank subsystem additionally contains the setting parameter of the trading step, with a pre-set minimum step of changing the interest rate on a deposit for which the proposed interest offer on the investor’s contribution can be reduced if it matches the range above the maximum allowable interest rate of the bank, and the transaction condition definition subsystem contains the conditions for launching this procedure and agreeing it with the processing center.
  • the bank subsystem further contains lottery settings for accepting investors' offers, the proposed interest rate on a deposit is higher than the regular offer and is equal to or close to the maximum allowable interest rate of the bank, and the subsystem for determining the terms of the transaction contains the conditions for starting the procedure and coordination with the processing center.
  • the transaction conditions definition subsystem contains the terms for accepting offers with the expectation of a maximum maximum interest rate and a minimum number of offers pre-installed in the bank's subsystem that can be realized at this rate and agreeing with the processing center the procedure for debiting funds from the investor’s bank account on the preliminary acceptance of the offer.
  • FIG. 1 shows an online electronic transaction system for the provision of financial services.
  • FIG. 2 is an example of a possible data storage structure.
  • an electronic trading financial platform is a hardware-software complex including a computer system consisting of a service (preferably, containing the server part of the system) and a client part connected by communication lines systems are implemented by executing the pre-installed algorithms of the software part of the ETPP, using, for example, a programmable processor.
  • the system can be implemented as an electronic trading platform containing an electronic catalog of financial services, which is a set of pre-installed software and hardware algorithms running on a Web site.
  • the set of software and hardware implemented in the claimed solution of the invention allows the investor, as a buyer of financial services, to remotely select a financial institution - a bank from those presented in the catalog and buy its service (for example, place a bank deposit on its own terms).
  • the organization of access to the electronic trading financial platform in accordance with the status of the user of the EFTFP system, divided at least into banks and investors, allows the investor to enter the necessary information about the possibility of servicing the deposit (assets, rights of claim, etc., possible collateral), as well as all the required information about yourself, necessary for the bank, which can be a bank or any other financial institution, for making a decision on placing an investor's deposit.
  • the investor is obliged to provide his offer (offer) with a money amount equal to or partially closing the selected deposit amount in accordance with the investor’s counter interest offer on the deposit, depositing this amount on the Trading Site account for a while in favor of the bank.
  • the transaction is made in the form of a preliminary agreement, which then obliges the bank to conclude an agreement on the provision of financial services and place deposit on specified conditions.
  • a “transaction” in the framework of the claimed invention is understood as a preliminary agreement concluded remotely, in electronic form between a bank and an investor, on the conclusion of an agreement on the provision of financial services for depositing confirming acceptance of the interest offer on the investor’s contribution. It is the transaction, that is, the remote conclusion of the preliminary contract in electronic form on the provision of financial services by the bank to the investor, provided by the Trading platform (EFTP).
  • the amount deposited, to secure the proposed percentage offer, the investor’s funds is preferably tied to the amount of the requested deposit, and guarantees that the investor, having received the automatic approval of the EFTFP for placing the deposit on the terms of the investor, does not refuse to complete the transaction and conclude a full-fledged agreement on rendering financial services with the bank.
  • the ETPP software and hardware complex allows the bank to offer its service on deposits by setting the terms of the percentage offer and acceptance conditions for depositing in the EFTFP system, independently, independently and secretly for potential investors, as well as other users of the EFTFP system, setting thereby, the criteria for automatic decision making by the EFTP system on investors' offers, without the participation of users at the stage of processing information about the offers received in the ETPP system tors.
  • These acceptance conditions include such parameters as the maximum allowable for the investor interest rate on the deposit for a specific period, the amount and type (type) of the contribution, as well as a set of other possible additional (particular) requirements for the future potential investor.
  • the specified conditions of the bank’s interest offer for each deposit and the terms of its acceptance, including the investor’s offer acceptance conditions, are saved from the memory block of the service part of the EFTP computer system and determine the launch conditions, as mentioned above, of the preset algorithm for processing the investor’s counter offers in automatic mode, without the participation of users of ETPP.
  • the set of software and hardware tools of ETFP provides automatic analysis and comparison of the purchased interest-earning offer of the investor (investor's offer) with the percentage offer of the seller of financial services - the bank (for example, the terms of the offer acceptance).
  • the investor's offer, and the acceptance conditions of the bank are entered into the ETPP database, and the ETPP system automatically analyzes their compliance with each other and the acceptance requirements set by the bank.
  • ETPP at the stage comparison of the investor and bank offers, including the pre-established conditions of acceptance of the investor’s interest offer on the deposit, analyzes the matching offers (in the form of an offer) by the amount and the investor’s proposed interest rate (its interest-earning offer) and the bank’s offer (as a percentage offer and acceptance conditions) at an interest rate on a deposit for this amount. Both offers are made by the parties to the future transaction on ETPP independently of each other.
  • the bank by privately entering information about its percentage offer, fills the future preliminary deposit agreement (preliminary agreement on the required financial service) with acceptance terms on its part.
  • the investor fills in the Preliminary Agreement on the required financial service with conditions on his part.
  • EFTFP automatically performs the functions of an independent escrow authorized by the parties and concludes on their behalf, on the algorithms of data entered by the users preset in the system, the Preliminary Agreement on the provision of financial services, independently, without the participation of the system users, makes the offer of the investor by the bank (acceptance) or the refusal of the offer of the investor, with a possible proposal to choose the adjustment of the offer of the investor (the required interest-earning offer, Yeni its acceptance or forwarding it to another banku- ETFP user of the system).
  • the investor and the bank delegate to it their rights to make a decision on accepting an offer (acceptance), or to refuse to accept an offer, as well as the right to conclude a preliminary loan agreement on their behalf.
  • ETPP actually prepares and carries out a transaction for the sale and purchase of a financial service.
  • the bank sells (provides) financial services, and the investor (buyer) buys a financial service (placing money with income). Both of them, each from themselves and for themselves, introduce their requirements (offers) into the Trading Site system, as a set of data for EFTP analysis by software and hardware pre-installed for this purpose. And jointly, but, as stated above, they independently delegate to the ETPP system the right to accept their offers, that is, to make a transaction on their behalf and at their expense. purchase and sale of financial services (preliminary agreement). The responsibility of the investor according to the rules of ETPP is provided by the deposit of his funds.
  • the ETPP system is designed to further attract individuals and legal entities to consume a variety of financial services, based on their material capabilities and wishes. In order to attract new financing entities to the financial market. An ordinary person is traditionally looking for an opportunity to maximally profitably place their free funds. All traditional retail financial online resources offer different ways of searching for the required offers. With different returns, from different banks and under different conditions. All these resources are in one way or another set up to facilitate the process of finding a service, building customer loyalty to a financial service and increasing its motivation to “purchase” this service.
  • EFTP allows an investor to make online a bank, provided with its own funds, a counter interest offer for placing its own funds (for example, money) with a yield (deposit).
  • This may be a deposit offer of a bank, or another type of order by the Bank with investor (depositor) money with a specific interest yield (placing money in stocks, bonds, etc.).
  • the ETPP system is designed in such a way that, online, it automatically responds to the offer made by the investor in financial services. The ETPP system rejects the offer of the investor or accepts it.
  • the ETPP system automatically generates a request to the investor’s bank via the processing center for depositing funds from the investor’s account (bank card or bank account) to the EFTFP account.
  • This money (tied to the amount of the deposit offer (deposit) requested by the investor) ETFP returns to the investor only if the investor’s refusal to accept the offer and is written off to the bank’s account after the main financial services agreement between the bank and the investor is concluded.
  • the System offers the investor to make the bank A new, more generous offer on the interest rate on a deposit, or to make an offer similar in parameters to another bank, a member of ETFP. Or refuse to accept the offer. In the latter case, all the deposited money of the investor in the amount of his secured offer is “unfrozen” by the system and becomes available to the investor again.
  • Securing an offer by an investor is depositing money on the investor's account in favor of EFTP, or transferring the deposited funds to an ESCRO Trading Site Account (EFTP) when it acts as an ESCRO agent, keeping the money in its account until it is accepted or denied it.
  • EFTP ESCRO Trading Site Account
  • the last option is the most preferred. In this responsible way, the investor delegates his right to conclude a transaction to the System and financially ensures it.
  • the provision by the bank of its obligations to fulfill the requirements of the Rules of Work of the Trading Site is conditioned by the existence of contractual relations with the Trading Site, with the acceptance of responsibility by the bank for the information on its financial service entered and entered into by EFTFP.
  • the bank pre-enters into the ETPP system, the database of users of the ETPP service part of the memory block, the maximum allowable interest rate for each interest offer on the deposit (deposit offer) for a certain amount and term, and with specific requirements a potential investor.
  • the EFTFP processor activates the transaction process. Input by the bank of the maximum allowable interest rate on the deposit in the ETPP System, as already mentioned, is confidential.
  • the investor does not see information about its size on the display device of the client part of the ETPP system and does not know what maximum interest rate on the deposit was entered into the System by the bank.
  • An investor can only offer his own money-secured offer and wait for the bank’s reaction through the bidding algorithm implemented in the method and system of online financial services of the Trading platform.
  • the claimed group of inventions that implements the ETPP system and the method of providing financial services with its help is an additional opportunity to realize their services and attract new customers.
  • the ETPP system is a real additional opportunity to place funds with a yield at the desired or acceptable interest, the ability to choose a bank that provides the necessary services at a reasonable rate and acceptable conditions.
  • the principal novelty of the claimed invention lies in the fact that the investor and the online bank delegate to the EFTP their rights to conclude a deposit transaction, retaining the responsibility and burden for its execution.
  • the present invention may use various hardware components (for example, memory elements, data processing modules and elements, logic elements, etc.) that can perform various functions under the control of one or more programmable microprocessors or other control devices.
  • various hardware components for example, memory elements, data processing modules and elements, logic elements, etc.
  • the program code implementing the algorithm of EFTP functioning, according to the claimed invention can be implemented using any programming language such as C, C ++, Java, ASP, PHP, PERL and implemented with various algorithms and any combination of data structures, functions, processes, procedures or other elements of programming known from the prior art.
  • the present invention can be implemented using various methods of data transmission and processing known in the art. Communication between the participants (users) of the ETPP system of the present invention is achieved using any suitable means of communication known in the art for similar electronic trading platforms, such as: telephone network, switched telephone network, intranet, Internet, extranet, etc.
  • the ETPP system and its computer devices can interact with the ETPP system and its computer devices, the service and / or the client part, through any input device, such as: keyboard, mouse, personal digital assistant, pocket computer, cell phone.
  • any input device such as: keyboard, mouse, personal digital assistant, pocket computer, cell phone.
  • the invention can be used in combination with any type of personal computer operating under any operating system known from the prior art (for example, Windows, MacOS, OS / 2, BeOS, Linux, UNIX and others).
  • the present invention may take the form of a computer program product stored on a storage medium having computer readable program code embodied in the storage medium.
  • Such computer-readable storage media may include hard drives, CD-ROMs, optical storage devices, magnetic storage devices, and / or the like.
  • the term “online” refers to interactive communication that takes place between participants located at a distance from each other, including messages via any of the networks or means of communication that have been described above.
  • System means a software and hardware complex that forms the information system on which ETPP operates.
  • the data structure (figure 2) is one of the options for implementing the storage of the data set of the Trading platform (ETPP) in the form of a relational model.
  • Bank denotes the status of a user of the ETPP system and includes any individual, legal entity, charitable organization that produces, distributes or sells financial services (including deposits). These services, ultimately, can be offered to the Investor directly or indirectly through ETPP.
  • the sale of a financial service means the placement of investor’s funds on deposit, in deposits with profitability.
  • this is a category of users whose identifier (ID) is stored in the data structure as a bank ID and serves to identify banks, their services and conditions.
  • ID identifier
  • the term “Investor” denotes the status of a user of the ETPP system and includes any individual, legal entity, charitable organization who can buy online or offline financial services (place deposits) offered by Banks through ETFP.
  • the purchase of a financial service means placing a deposit with a yield, at interest.
  • this is a category of users whose identifier (ID) is stored in the data structure as an investor ID and serves to identify investors, their interest income requirements (offers).
  • ID identifier
  • User ID is a unique numeric identifier in the data structure allowing the system to identify the user.
  • browsers are used to query, process, manipulate and display the content of websites.
  • Registration data of investors and banks are stored in the data structure and in addition to ID can include: the name of the organization, its address, details and other data necessary for the work; name, surname, address for delivery of documents and notifications, social security number, possibly labor record data, documents on civil status, data on possible encumbrances and details, e-mail address, debit and / or credit card number, and other information that may be necessary.
  • Regular Interest Rate means the Bank’s interest rate on deposit funds, which contains the bank’s pre-determined interest rate on a deposit for a specified period and amount and type of deposit, which can be obtained from public sources. This information is available to the investor, who is preparing to make a counter interest offer to the bank and is his starting point for his own analysis of the bank’s interest proposal on the contribution and comparison of these offers from different banks when choosing a bank in the ETPP.
  • Maximum Permissible Interest Rate on a Deposit means the interest rate on a deposit, which the bank introduced in advance in the form of an offer and the terms of its acceptance into the ETPP system, as the maximum possible for the investor’s contribution for a specific term and amount of the deposit and other conditions.
  • the maximum allowable interest rate (profitable, deposit) rate of the bank is not visible to the investor and other users of the ETPP who are not initiators of the regular interest offer of the investor. These conditions are stored in the database of EFTP users and are the conditions of acceptance of the interest offer on the deposit, implemented in the EFTFP data processing algorithm.
  • Required interest-income offer (or interest rate on a deposit with profitability, deposit offer) means the interest rate that the Investor offers as a condition for placing his funds in the Bank for a certain amount and term, and on which he makes a secured offer .
  • the online bidding system for implementing the claimed method of providing financial services preferably contains an ETPP server including at least a central processor with installed software, a memory module associated with the processor and the security module, and a data storage system bidders associated with a central processor, a memory module, and also containing a communication interface with a set of bidders and a processor that communicates with the set of participants in trading via the communication interface.
  • an ETPP server including at least a central processor with installed software, a memory module associated with the processor and the security module, and a data storage system bidders associated with a central processor, a memory module, and also containing a communication interface with a set of bidders and a processor that communicates with the set of participants in trading via the communication interface.
  • the system forms a two-tier sales system, where the data storage system contains at least the data of two groups of bidders with the status of a bank and an investor, including at least the identification information about the participant, his ID in the system, which determines his status and restrictions on access to system resources.
  • the memory module contains the subsystem of the investor and the bank, organized by software and hardware, the subsystem for determining the conditions of the transaction, as well as the cash settlement subsystem connected via communication channels with the security and integration subsystems with the processing center.
  • the bank’s subsystem contains public and private data on the bank’s deposit offers, where the public data contains at least information on the conditions for providing financial services for depositing and regularly offering the interest rate on the deposit, on which the bank carries out a public offer of financial services portal and or ETPP, and the closed data contains, at least, the data on the maximum interest rate established by the bank, more than the rate of the regular offer and the maximum rotsentnoy rate greater than the maximum allowable rate.
  • the maximum maximum rate is functionally related to the parameter of the minimum number of offers of investors and the parameter of the portfolio amount of these offers set by the bank.
  • the investor subsystem contains, at least, the proposed deposit rate (required interest-earning offer) set by the investor on the deposit and the details for depositing funds for accepting the investor's offer.
  • the sales levels are formed by the subsystem for determining the terms of the transaction, containing, at least at the first level, the order of acceptance of the investor's offer based on the offered investor's interest rate on the contribution of the price range below or equal to the maximum interest rate of the bank, and at the second level, the order of the investor's acceptance of accessories of the proposed deposit offer to the range below the maximum maximum, but above the maximum allowable interest rate of the bank on the deposit.
  • the bank’s subsystem contains the setting of the bid increment, with a preset minimum step for changing the interest rate on a deposit for which the investor’s suggested deposit rate can be reduced by first selecting the proposed interest rate above the bank’s maximum allowable deposit rate.
  • the transaction condition definition subsystem contains the conditions for launching this procedure and agreeing it with the processing center.
  • the bank's subsystem may be additionally equipped with lottery settings for accepting an investor's offer, the proposed interest rate on a deposit is higher than the regular offer and is equal to or close to the maximum allowable interest rate on the deposit, and the subsystem for determining the terms of the transaction contains the conditions for starting this procedure and coordination with the processing center.
  • the transaction conditions definition subsystem contains the terms for accepting offers with waiting on the basis of the maximum interest rate on the deposit pre-installed in the bank's subsystem and the minimum number of offers that can be implemented at this rate and agreeing with the processing center to withdraw funds from investor’s bank account upon prior acceptance of the offer.
  • FIG. 1 in the block diagram of FIG. 1 is a diagram illustrating an exemplary variant of the operation of the ETPP system, which, in this embodiment of the invention, contains a Bank Subsystem (100), an Investor Subsystem (101), a Security Subsystem (105), a Transaction Condition Definition Subsystem (102), a Process Integration Integration Subsystem center (103), database (104).
  • a Bank Subsystem 100
  • an Investor Subsystem 101
  • a Security Subsystem 105
  • a Transaction Condition Definition Subsystem 102
  • 103 Process Integration Integration Subsystem center
  • database 104
  • the database (104) accepts and stores data about the users of the system, services, orders, and other necessary data for the normal functioning of the System.
  • a database can be any type of database, such as relational, hierarchical, object-oriented, and the like.
  • the database (104) can be organized in any suitable way, including in the form of data tables or reference tables.
  • the system is implemented using the Security Subsystem (105). After the user has entered the login and password in the data entry form, the Security Subsystem first identifies the user by the username and password stored in the data structure (1) and (2) by comparing the password entered by him with the password stored in the user database, and then authorizes by checking the rights and roles assigned automatically by the Security Subsystem or by the System Administrator. The rights system settings are stored in the data structure (6). When a user operates in the System, the Security Subsystem controls the actions user and provides functionality according to its role.
  • the Bank's Subsystem (100) is a component part of the Trading Site, through which the Bank enters into the System all information about itself, its services for placing funds of investors (depositors), their urgency, volume and the relationship between these parameters (open access) and the conditions of its maximum allowable offers with urgency, volume and connections between these parameters (closed, confidential access for the investor). Confidentiality is maintained by the Security Subsystem by determining access rights by user ID. Entering the below listed data into the Subsystem, the bank forms “acceptance conditions” for the System to accept investors' offers on behalf of the bank or to refuse them. Acceptance conditions of the bank form the work of the Trading platform (ETPP).
  • EPP Trading platform
  • the Bank introduces through the Subsystem of the Bank a Regular Offer and the most affordable offer.
  • the Bank also introduces the basic conditions for receiving funds through the Bank's Subsystem. This is the amount for a particular offer and the period for which the investor’s funds are accepted. Data is stored in the database.
  • the investor subsystem (101) consists of the following set of modules:
  • the service cards of the Investor Subsystem (101) display a list of banks displayed on the margins of the Trading Platform (ETPP), a brief advertising description with a link to the banks' regular sites. It also displays the regular offer of the bank for each type of deposit, the period, the type and the minimum amount for entering into an agreement on the provision of financial services with the bank.
  • An investor, having chosen a particular bank, can offer him his interest offer (that is, indicate the maximum allowable rate for the investor on the loan, enter the amount that he He wants to deposit in this financial organization (bank), the purpose and term for which he wants to deposit money. To do this, the investor, using the graphical interface, must click on the button in the product card “Offer the Bank your interest rate on the deposit” and enter the required value in the displayed field. All offers from investors are stored in the data structure (4).
  • the deposit amount is a deposit on the part of the investor under a preliminary agreement, the subject of which is the conditions for concluding an agreement between the investor and the bank in the future.
  • the System accepts the investor's offer on behalf of the bank and debits the investor’s deposited funds to the Marketplace account.
  • the amount of the deposit of the investor will be written off for a period before the parties sign the agreement on the provision of financial services. This period is indicated to the investor online and is contained in the Rules of Operation of the ETPP. After the conclusion of an agreement on the provision of financial services between the investor and the bank, the deposit amount charged to the Marketplace’s account is transferred to the Bank’s account.
  • the system starts the process of automatic analysis of the offer of the investor (comparison with the offer of the bank) . If the system automatically, on behalf of the bank, accepted the offer of the investor, comparing it with the offer of the bank, and wrote off the deposited money of the investor in favor of the Trading platform, it is considered that the preliminary contract has been concluded. This means that the agreement on the provision of financial services must also be concluded, the bank and the investor are obliged to conclude it within the specific period specified by the Trading platform. The deposit amount, as was said, after the conclusion of the final contract is transferred to the bank account. Agency remuneration of the Marketplace for the conclusion of the transaction is paid by the bank after the conclusion of the contract and the placement of the investor's deposit.
  • the System automatically informs the investor about the refusal to accept and offers to try again with a “more generous” offer.
  • the investor does not intend to make a new offer to an already verified bank, he can go to the page of another bank in the ETPP system and make a new offer to the new bank.
  • the system in this case does not give a signal to “defrost” the deposit, but only analyzes the “new” offer to the new bank with the “old” (at interest rate) offer.
  • the investor does not want to make new counter-interest offers previously selected and other banks, he informs the System about it through the Investor Subsystem.
  • the system through the integration subsystem with the processing center gives a signal to “defrost” the deposited money of the investor. Deposit amount the investor becomes available to him again in the shortest possible time, which only existing payment systems can provide.
  • the system does not allow the investor to make a counter interest offer without depositing funds.
  • the deposit amount as the only security for the investor’s offer, is “frozen” for the period required by the system to the reaction of the investor’s offer.
  • the trading platform for EFTP through the Investor Subsystem first of all informs it that the key to the System’s operation is the cash security of the investor’s offer, without which the System does not work.
  • the system through the Investor Subsystem sends him messages about the acceptance or rejection of his offer.
  • the offer is approved, the money in the amount of the offer deposited in the investor’s account is temporarily debited to the account of the Trading Financial Platform, as a guarantee of concluding an agreement on the part of the investor before signing the contract.
  • It provides an interface for displaying and changing personal data of the investor, his identifier (ID), contact information, as well as information about completed transactions and their status.
  • the investor subsystem allows the investor through the described communication systems (6.3.) In the browser or through other software that allows you to interact with the system using special protocols, select a bank, its service, make a secured offer and, if you are “lucky,” get system approval (acceptance ). The conclusion of a preliminary agreement between the investor and the bank on specific conditions is carried out electronically, remotely. All service data is downloaded from the database (104) and stored in the data structure (3).
  • the security subsystem (105) checks users for access to information and system sections based on the user's role ID in the data structure (6). If the user is not yet registered in the system, then offers him to go through the registration procedure.
  • the Security Subsystem When registering, the Security Subsystem assigns it a user ID and offers to enter its bank card or account data into electronic form and stores this data in the data structure (2).
  • the transaction condition definition subsystem receives and processes information on the investor's interest rate (required interest-income offer) made through its Subsystem; it compares the investor's offer with information about the bank's demand, its maximum allowable offer already in the system through the Bank's Subsystem.
  • the transaction definition subsystem verifies the investor's offer with the bank's acceptance conditions, information about the bank's requirements, its maximum allowable rate. This information has already been entered into the system by the bank via the Bank Subsystem.
  • the result of the processing by the Subsystem for determining the terms of the transaction of the received information is a signal to approve the transaction or a signal to refuse the transaction. (Signal for the Acceptance of the offer or a signal to refuse the offer of the Investor).
  • the algorithm for determining the results of the transaction can be defined as follows:
  • the Subsystem for Determining the Conditions of the Transaction keeps the analysis result as positive.
  • the Subsystem for Determining Transaction Conditions keeps the result of the analysis as negative.
  • the results of the analysis are stored in the data structure (4).
  • the result of the analysis and operation of the Subsystem for Determination of Transaction Conditions, which is displayed to the investor, can be two options: “The transaction has been approved” or “Refusal of the transaction due to too high requirements”.
  • the Subsystem for Determining Transaction Conditions sends the command to the Integration Subsystem with the processing center allowing to unfreeze the investor’s deposited funds for the offer.
  • the Transaction Terms Definition Subsystem sends the team to the Integration Subsystem with the Processing Center to write off (collect) the investor’s funds deposited for the offer from his account to the Marketplace’s account and notify the investor that the Tentative Agreement on the placement of the treasure was actually accepted by the bank.
  • the subsystem additionally notifies the investor that now he needs to fulfill all the duties assumed. These obligations arose in the process of how the investor entered information about himself and agreed to the Trading Rules on the Trading Platform, and he secured these obligations by depositing his money for the implementation of the purchase offer.
  • the system also informs the investor about the timing and order of completion of the transaction and the conclusion of an agreement on the provision of financial services.
  • the investor displays the text and the number of the Preliminary Contract on the display device of the client part of the EFTFP computer system, and offers, for example, its transmission to the investor's e-mail.
  • the integration subsystem with the processing center (103) is responsible for communication with the investor’s bank, the bank, and the Trading Site account (EFTP).
  • the integration subsystem with the processing center sends the team to the investor’s bank to “freeze” and transfer the investor’s deposited funds from his bank card to the Marketplace account if the analysis result is received from the Transaction Definition Subsystem as positive.
  • the integration subsystem with the processing center sends the team to the investor’s bank to “defrost” and transfer the investor’s deposited funds on its bank card in the event that the analysis results are received from the Transaction Definition Subsystem as negative.
  • the investor enters the public part of the Trading platform and displays a window of Banks and financing services.
  • the security subsystem checks if the investor is authorized in the system. If authorized, then go to (309), if not authorized, to (305).
  • the system offers the investor to register or go through the authentication and authorization procedure. If the investor is not yet registered in the system, then go to (306). If the investor is authorized in the system, then go to (309).
  • the security subsystem verifies the correctness of the data entered by the investor on his bank card. If the data indicated by the investor is correct, then go to (309). If the bank card data is not correct, then return to (307).
  • the investor enters the “Required interest-and-income offer”, including the investor’s interest on the deposit (interest rate), the amount of placement, the period of placement in the electronic form offered by the System for transfer to the Determining Subsidy terms of the transaction.
  • the data on the amount of the offer and the investor’s card data are sent to the Subsystem for Integration with the Processing Center for the deposit of the investor’s funds in the amount of the “Required interest-income offer” on his bank account. If the integration subsystem with the processing center is denied the opportunity to deposit the investor’s funds in the amount of the offer offered by him (there are not enough funds), then go to (312). If the Integration subsystem with the processing center receives the investor’s bank approval to deposit the investor’s funds in the amount of the offer offered to them, then the transition to (31 1) occurs.
  • the system informs the investor and the bank about the transaction. And notifies both of the time for concluding an agreement on the provision of financial services.
  • the bank checks the correctness and veracity of the data provided by the investor.
  • a command is being sent to transfer the deposited funds to the bank from the account of the Trading platform, in case of acceptance of the transaction of signing a financial services agreement (deposit agreement)
  • the bank refuses the investor to conclude a deposit agreement for a fearful reason for the discrepancy of the investor's actual documents to those referred to in his offer.
  • a command is sent to assign the “former” money of the investor, which provided his interest offer to the income of the Trading platform.
  • FIG. 1 The block diagram presented in the illustrative materials of FIG. 1 illustrates an embodiment of a computer system or a network architecture that can be used to implement the Marketplace described in the present invention.
  • One or more of these computer systems may implement the methods presented in this document as computer code.
  • processors such as processor 200, which may be special or general purpose processor, are connected to data bus 206.
  • Bus 206 connects processor 200 to various other components of the computer system, and it is assumed that bus 206 connects processor 200 to other computer systems. Through the bus 206, the processor 200 may receive a computer code.
  • the term "computer code" includes a set of programs, commands, instructions, signals or data. Processor 200 executes computer code.
  • the computer system in FIG. 1 may include one or more memory modules 205 used by a computer for storing and accessing source code.
  • the storage system 203 is an architectural solution for connecting external storage devices such as hard drives, disk arrays, tape libraries, optical drives to servers so that the operating system recognizes the connected resources as local.
  • the computer system presented in the diagram of FIG. 1 may additionally include other means for processing computer code that will be transmitted between the computer system and external devices, including with other computer systems. This transmission may be bidirectional or unidirectional.
  • the computer code transmitted to the interface 201 is transmitted in the form of signals, which may be electronic, electromagnetic, optical or other. These signals can be transmitted using various modes, including but not limited to: wires, cables, fiber optic cables, telephone lines, cellular lines.
  • Interfaces 201 can be in the form of: a modem, a network interface (for example, an Ethernet card), wired or Wire-less systems (such as Wi-Fi, Bluetooth and IR).
  • the I / O interface 204 can be any wired or wireless connection that allows you to transmit computer code.
  • the claimed modifications to online implementation of electronic transactions for the provision of financial services and an automated online system for its implementation are technical solutions, since represent private solutions to the task of achieving the claimed technical result by implementing a method and system representing processes and devices in which sequentially, in time, they perform actions on material objects — data processed and processed by the system in one way or another using computer devices. These actions performed on the data are: the placement of data in the data fields on machine-readable media, activation of data fields, data transfer. These actions are carried out with the help of computer devices: processors, memory devices, external and internal machine-readable media, input / output facilities, controllers and others.
  • the claimed modifications of the invention are the process of performing actions on material objects with the help of material means, i.e. It is a technical solution - a way to treat objects protected as an invention.

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Abstract

L'invention concerne des procédés de réalisation de commerce électronique et d'enchères et notamment des outils en ligne pour réaliser des transactions financières. Un système et un procédé automatisés de fourniture de services de financement en ligne comprennent l'enregistrement au moyen d'un processeur des participants au système sous-divisés au moins en fonction de leur statut en des catégories de banques et d'investisseurs, leur autorisation et l'accès à la plate-forme commerciale en ligne en fonction du statut dans le système, la collecte et l'unification des renseignements sur les offres de dépôt des banques, y compris les taux et les conditions d'acceptation d'offres spéciales ; on reçoit de la banque des informations comprenant une offre régulière sur les taux d'intérêt ouverte à tous les utilisateurs et des informations confidentielles non affichées par les dispositifs d'affichage de la plate-forme commerciale contenant le taux de dépôt acceptable maximal supérieur au taux de dépôt de l'offre régulière, et au stade de sélection par l'investisseur de l'offre spéciale de la banque on reçoit de l'investisseur via l'interface EFTP une contre-proposition contenant des données sur l'offre spéciale en termes d'intérêts du investisseur qui comprend au moins le taux et le montant de dépôt proposée par l'investisseur, on calcule automatiquement la valeur de la couverture pécuniaire de l'offre spéciale de l'investisseur sur la base du taux d'intérêt et le montant de dépôt proposés, on effectue le dépôt de ses moyens financiers sur la carte bancaire de l'investisseur en faveur de la Plate-forme de commerce et on effectue au moyen du processeur de la partie services d'ETFP en mode automatique la comparaison des offres d'intérêt de l'investisseur et des conditions d'acceptation de la banque concernant le montant et le taux de dépôt de l'investisseur avec l'offre régulière de taux de dépôt et l'offre minimale admissible établies du banque.
PCT/RU2018/000840 2017-10-27 2018-12-19 Procédé pour réaliser en ligne des transactions électroniques de fourniture de services financiers et système en ligne automatisé pour sa mise en oeuvre Ceased WO2019083413A2 (fr)

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RU2017137646 2017-10-27
RU2017137646A RU2017137646A (ru) 2017-10-27 2017-10-27 Способ осуществления онлайн электронных сделок по оказанию финансовых услуг и автоматизированная онлайн система для его осуществления

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CN111275424A (zh) * 2020-01-21 2020-06-12 中科柏诚科技（北京）股份有限公司 一种开放银行平台的系统
CN111292186A (zh) * 2020-01-17 2020-06-16 中国建设银行股份有限公司 一种数据分析方法和数据分析装置
CN115660809A (zh) * 2022-10-28 2023-01-31 中国农业银行股份有限公司 业务处理方法、装置及设备

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Publication number Priority date Publication date Assignee Title
EP1693804B1 (fr) * 1996-09-04 2009-11-11 Intertrust Technologies Corp. Systèmes, procédés et techniques de support d'infrastructure sécurisée pour le commerce électronique sécurisé, transactions électroniques, contrôle et automatisation du processus de commerce, informatique distribuée et gestion des droits
US20030018558A1 (en) * 1998-12-31 2003-01-23 Heffner Reid R. System, method and computer program product for online financial products trading
CA2407635A1 (fr) * 2000-05-18 2001-12-02 Treasuryconnect Llc Systemes et procedes de transaction electronique
RU2520410C2 (ru) * 2006-07-06 2014-06-27 Квелкомм Инкорпорейтед Способы и системы для финансовых транзакций в среде мобильной связи
RU2467501C2 (ru) * 2006-07-06 2012-11-20 Файрторн Мобайл Инк. Способы и системы для финансовых транзакций в среде мобильной связи

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Publication number Priority date Publication date Assignee Title
CN111292186A (zh) * 2020-01-17 2020-06-16 中国建设银行股份有限公司 一种数据分析方法和数据分析装置
CN111292186B (zh) * 2020-01-17 2023-08-29 中国建设银行股份有限公司 一种数据分析方法和数据分析装置
CN111275424A (zh) * 2020-01-21 2020-06-12 中科柏诚科技（北京）股份有限公司 一种开放银行平台的系统
CN115660809A (zh) * 2022-10-28 2023-01-31 中国农业银行股份有限公司 业务处理方法、装置及设备

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