Method and system for facilitating transactions between...

Details Method and system for facilitating transactions between... Method and system for facilitating transactions between...

G - Physics

06

Q

G06Q 30/00 (2006.01)

Patent

CA 2419095

A computerized system is disclosed for facilitating the transactions between a buyer of credit (Member) with a seller of credit (Lender)(see Fig 1). The method and system builds a credit marketplace web site that allows Members and Lenders (14) to interact in a secure and neutral environment. Members receive credit reports and may use these reports to extend anonymous credit requests. Lenders may filter the credit requests using criteria by which they will determine which offers are suitable for potential review. The extension of a credit offer by a Lender to the Member causes the Lender to be charged a transaction fee, which may be shared by other Lenders who likewise extend credit offers to the member.

L'invention concerne un système informatisé destiné à faciliter les transactions entre un acheteur de crédit (membre) et un vendeur de crédit (prêteur) (voir Fig 1). Le procédé et le système permettent d'édifier un site web du marché du crédit grâce auquel les membres et les prêteurs (14) interagissent dans un environnement sûr et neutre. Les membres reçoivent des rapports de crédit qu'ils peuvent utiliser pour émettre des demandes de crédits anonymes. Les prêteurs peuvent filtrer les demandes de crédit en utilisant des critères qui leur permettront de déterminer l'offre la plus appropriée pour un examen éventuel. L'extension d'une offre de crédit par le prêteur en faveur du membre entraîne, pour le prêteur, des frais de transaction, lesquels peuvent être partagés par d'autres prêteurs qui, de la même façon, étendent des offres de crédit audit membre.

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