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1. WO2017181233 - PEER TO PEER LOAN SYSTEM AND PROCESS

Publication Number WO/2017/181233
Publication Date 26.10.2017
International Application No. PCT/AU2017/050354
International Filing Date 20.04.2017
Chapter 2 Demand Filed 01.11.2017
IPC
G06Q 40/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
CPC
G06F 16/1834
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
10File systems; File servers
18File system types
182Distributed file systems
1834implemented based on peer-to-peer networks, e.g. gnutella
G06Q 20/223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
223based on the use of peer-to-peer networks
G06Q 20/401
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 40/025
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
025Credit processing or loan processing, e.g. risk analysis for mortgages
Applicants
  • MOOCH IT PTY LTD [AU]/[AU]
Inventors
  • MORRIS, Aaron
Agents
  • WYNNES PATENT AND TRADE MARK ATTORNEYS
Priority Data
201610044021.04.2016AU
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) PEER TO PEER LOAN SYSTEM AND PROCESS
(FR) PROCESSUS ET SYSTÈME DE PRÊT DE PAIR À PAIR
Abstract
(EN) A peer-to-peer loan facilitation system. A first electronic device creates a lending bid or borrowing request specifying one or more terms and conditions for a financial loan. A second electronic device generates search criteria for a lending bid or a borrowing request including one or more terms and conditions for a financial loan. A server receives from the first electronic device the lending bid or borrowing request, receives from the second electronic device the search criteria, and matches the search criteria to the lending bid or borrowing request if the one or more terms and conditions of the search criteria are similar to those of the lending bid or borrowing request. The server facilitates the exchange of electronic correspondence between the first electronic device and the second electronic device. A database connected to the server records the electronic correspondences exchanged between the first electronic device and the second electronic device.
(FR) La présente invention concerne un système de facilitation de prêt de pair à pair. Un premier dispositif électronique créé une offre de prêt ou une demande d'emprunt spécifiant au moins un terme et des conditions en vue d'un prêt financier. Un second dispositif électronique génère des critères de recherche d'une offre de prêt ou une demande d'emprunt comprenant au moins un terme et des conditions en vue d'un prêt financier. Un serveur reçoit à partir du premier dispositif électronique l'offre de prêt ou la demande d'emprunt, reçoit à partir du second dispositif électronique les critères de recherche, et met en correspondance les critères de recherche avec l'offre de prêt ou la demande d'emprunt si le ou les termes et conditions des critères de recherche sont similaires à ceux de la demande d'offre de prêt ou de la demande d'emprunt. Le serveur facilite l'échange de correspondance électronique entre le premier dispositif électronique et le second dispositif électronique. Une base de données connectée au serveur enregistre les correspondances électroniques échangées entre le premier dispositif électronique et le second dispositif électronique.
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