WO2019078762A3 - Method and system for carrying out online electronic credit transactions - Google Patents
Method and system for carrying out online electronic credit transactions Download PDFInfo
- Publication number
- WO2019078762A3 WO2019078762A3 PCT/RU2018/000841 RU2018000841W WO2019078762A3 WO 2019078762 A3 WO2019078762 A3 WO 2019078762A3 RU 2018000841 W RU2018000841 W RU 2018000841W WO 2019078762 A3 WO2019078762 A3 WO 2019078762A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- borrower
- interest rate
- proposal
- lender
- participants
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/08—Auctions
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention relates to means for carrying out electronic commerce and auctions. An automated online system and method for providing online credit services include: registering participants in the system by means of a processor, said participants being divided according to their status at least into the categories of borrowers and lenders, authorizing said participants and providing access to an online trading platform in accordance with their status within the system, collecting and collating information about credit offers from lenders, including interest rates and terms of acceptance, receiving an interest rate proposal from a lender and a sealed proposal regarding a minimum acceptable interest rate, receiving a counter-proposal from a borrower with information about an interest rate proposed by the borrower, depositing funds on the borrower's bank card in favour of the trading platform, and comparing the borrower's proposed interest rate and the lender's terms with respect to the credit amount and interest rate. If the interest rate proposed by the borrower is not less than the lender's minimum acceptable interest rate, the borrower's proposal is accepted and the funds deposited by the borrower are returned from the account of the trading platform to the borrower's bank card account.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
RU2017136982A RU2743338C2 (en) | 2017-10-20 | 2017-10-20 | Method for implementing online electronic lending transactions and automated online system for its implementation |
RU2017136982 | 2017-10-20 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2019078762A2 WO2019078762A2 (en) | 2019-04-25 |
WO2019078762A3 true WO2019078762A3 (en) | 2019-09-06 |
Family
ID=66174544
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/RU2018/000841 WO2019078762A2 (en) | 2017-10-20 | 2018-12-19 | Method for carrying out online electronic credit transactions and automated online system for the implementation thereof |
Country Status (2)
Country | Link |
---|---|
RU (1) | RU2743338C2 (en) |
WO (1) | WO2019078762A2 (en) |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20030018558A1 (en) * | 1998-12-31 | 2003-01-23 | Heffner Reid R. | System, method and computer program product for online financial products trading |
EP1679668A2 (en) * | 1996-09-04 | 2006-07-12 | Intertrust Technologies Corp. | Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management |
US20120215673A1 (en) * | 2000-05-18 | 2012-08-23 | Bruce Usher | Electronic trading systems and methods |
RU2467501C2 (en) * | 2006-07-06 | 2012-11-20 | Файрторн Мобайл Инк. | Methods and systems for financial transactions in mobile communication environment |
RU2520410C2 (en) * | 2006-07-06 | 2014-06-27 | Квелкомм Инкорпорейтед | Methods and systems for financial transactions in mobile communication environment |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8725540B2 (en) * | 2003-10-30 | 2014-05-13 | Swiss Reinsurance Company Ltd. | Automated system and method for evaluating insurable risks at point of sale |
-
2017
- 2017-10-20 RU RU2017136982A patent/RU2743338C2/en active
-
2018
- 2018-12-19 WO PCT/RU2018/000841 patent/WO2019078762A2/en active Application Filing
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1679668A2 (en) * | 1996-09-04 | 2006-07-12 | Intertrust Technologies Corp. | Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing, and rights management |
US20030018558A1 (en) * | 1998-12-31 | 2003-01-23 | Heffner Reid R. | System, method and computer program product for online financial products trading |
US20120215673A1 (en) * | 2000-05-18 | 2012-08-23 | Bruce Usher | Electronic trading systems and methods |
RU2467501C2 (en) * | 2006-07-06 | 2012-11-20 | Файрторн Мобайл Инк. | Methods and systems for financial transactions in mobile communication environment |
RU2520410C2 (en) * | 2006-07-06 | 2014-06-27 | Квелкомм Инкорпорейтед | Methods and systems for financial transactions in mobile communication environment |
Also Published As
Publication number | Publication date |
---|---|
RU2743338C2 (en) | 2021-02-17 |
WO2019078762A2 (en) | 2019-04-25 |
RU2017136982A3 (en) | 2020-03-02 |
RU2017136982A (en) | 2019-04-22 |
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