CN107636717A - The financing of the automation guarantee of online deposit, guaranty, bond and/or gage is provided - Google Patents
The financing of the automation guarantee of online deposit, guaranty, bond and/or gage is provided Download PDFInfo
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- CN107636717A CN107636717A CN201680034133.8A CN201680034133A CN107636717A CN 107636717 A CN107636717 A CN 107636717A CN 201680034133 A CN201680034133 A CN 201680034133A CN 107636717 A CN107636717 A CN 107636717A
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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Abstract
Disclose the financing of the automation guarantee for providing online deposit, guaranty, bond and/or gage and/or the method and system of automatic monthly payment plan service is provided to automatic online market.According to certain embodiments of the present invention, the data for the expense for indicating asked monthly payment plan or gage can be received by data network.Data network is may then pass through to be assured the expense of monthly payment plan/gage for the line of credit that Credit Provider provides.After guarantee, two level Credit Provider can be that transaction/gage is provided with funds.Two level Credit Provider may intermittently collect the partial payment money of tranaction costs, while intermittently assure unpaid transactions balances again, untill whole tranaction costs+any related reward/commission has been repaid.
Description
Invention field
The present invention relates generally to the field of credit financing transaction.More particularly, the present invention relate to promote credit to hand over
Easily or the method for guarantee, system, the computer-executable code of equipment and correlation.
Background of invention
In most of Western civilization, people inherently take them and lived with a big chunk of money to buy production
Product and service.When fulfiling this purchase " role ", they are confirmed as consumer.Common and logical view is, right
In the consumer that can buy the desired commodity of s/he or service, either daily need, assets, present, travelling etc., all
Him/her is needed to have available financial instrument；" there is enough money in bank ", or have enough money elsewhere.
Some consumption and purchase mechanism have occurred, and can tracing back to for having is prehistory (dawn of history), it is allowed to disappears
The person of expense buys commodity and service, without possessing required fund in purchase, but is provided using other people money for the purchase
Funds, then repay this money in the stage later.
Enumerate general several such financing packages：
- bank loan；
- mortgage；
- lease (automobile etc.)；With
- revolving credit card scheme：Consumer is allowed gradually to pay its credit card reward (circulating them).
It is obvious that these financing methods and other method are not free.Consumer is generally on the basis of buying expenses
On, it is provided the mechanism of purchase fund or main body collects financing reward.
Many times, this financing mechanisms are also used even if the consumer for there are enough instant funds, and would rather not be i.e.
When capital cost in current purchase, so as to control cash flow, just as any commercial company.
The possible cause of this behavior may include：
- contemplate the cost in future and available funds will be needed；
- current the purchase carried out by " loan " is by more than time budget/wage of consumer；
- money has been invested and can not used；With
- emotion/mentality motivation (such as：Financial security).
Financing solution is provided by a variety of sources, and some provide general loan, without being associated with specific purchase, and
Other then get up " loan " and specific purchase/product/service linkage.Such as：
General financing：
- credit card card sending mechanism (revolving credit account etc.)；
- financial institution：Bank etc. (loan)；With
- installment credit,
- specify financing：
- mortgage bank；
- automobile/other leasing companies；With
- businessman or service provider.
Revolving credit card is provided a loan
Circulation tool is the credit card industry solution of the general loan generally used in world wide.In round-robin method
In, holder, which may decide that, the credit card that he wishes monthly to pay wages how many is recycled to next month (in certain limitation).
The finance charge of this instrument is derived from the annual percentage (APR) of federal interest rate.This is unfixed, and
Typically much higher than federal interest rate.
" risk " mechanism (credit card card sending mechanism/bank) that a high circulation A PR reason is to provide this loan is adopted
Take following measures：Holder can attempt to avoid some or all of future payment by following several ways, and actually produce
Product or service have been his/her：
- deny buying；
- Close Account；Or
- " disappearance ".
Such case makes lending agency " exposure " in unplanned expense, and therefore have lost money.
Due to prevailing (2006 year more than 1.5 hundred million) of the credit card as money instrument, in United States Consumer lending market
In, this circulative metabolism is very common, and the holder more than 60% uses revolving credit amount on its card.
Line of credit (being typically approval in advance) once consumer goes through, using his/her credit card at any time
It can be easy to for any purpose and use circulative metabolism immediately.Although it carries one of interest rate of consumer's most expensive.
In 2006, the circulatory system of U.S.'s credit card industry only had about 826,600,000,000 dollars and not closed, and the consumer spending
The acyclic credit system of (not including house) is 1,526,400,000,000 dollars (as provided a loan), wherein most of is not complete by credit card
Into.
American gets used to being such as automobile, mobile house, education, ship or the high value of vacation project using acyclic
Credit (mainly lease or other mandatory redemptions loan).These are generally monthly paid by stages by manufacturer or financial institution with fixation
Money bears expenses.
Lease
It can be provided a loan in the U.S. with operating lease, but be limited primarily to specifically give a long price for, such as automobile, house and ship, its
Directly provided by businessman, and dedicated for the required consumer goods, i.e., " specify purchase " and provide a loan.
In this case, the product of purchase is registered as the guarantee of given loan.The APR of these loans is in different industries
Between different, usually less than revolving credit card APR APR.This credit loan generally unlike revolving credit card account that
Sample is ratified in advance.
Even more noteworthy, the modern life generally require or wish deposit or relief from criminal responsibility, guaranty or bond (with
Under be referred to as " assuring ") to the opposing party, with contract of guarantee, property or other interests.
Summary of the invention
According to certain embodiments of the present invention, as businessman or first party and commodity or service or financial service or
The tenant and/or leaseholder of the buyer of real estate or lease service, any commodity, service and/or real estate etc. are (following
Referred to as " consumer " or " client ", this term be interpreted as herein refer to transaction any second party) between transaction a part,
Consumer can ask the expense needed for the client relevant with transaction or payment being divided into one group of partial payment or monthly payment plan, with
Whole tranaction costs are allow to share between this group of partial payment, the partial payment is divided in certain period of time intermittent
Stand.One or more Credit Providers can represent consumer and be paid the bill to businessman's execution/all or part of of offer transaction, bar
Part is that consumer will repay whole dealing money and financing reward using regularly partial payment to creditor, wherein unpaid
Refund remaining sum can be essentially by intermittently surety mechanisms continuing guarantee again.It is described herein according to further embodiment
Interval again surety mechanisms can be used for for transaction, service, property using, loan or any other interests tender guarantee.
According to some embodiments, one or more Credit Providers for representing the transaction that client performs payment correlation can
To be two level Credit Provider, two level Credit Provider can be directed to by one-level Credit Provider (such as credit card issuer,
Credit card underwriter, credit cooperative or bank etc.) credit that provides assures any unpaid refund remaining sum.In this specification
" guarantee " credit card company or other one-level credit providers can be pointed to send request to credit/Trading Authorization, and from
Credit card company or other one-level credit providers receive credit/Trading Authorization." guarantee " certain amount is provided in this application
Any refer to of gold is understood to also refer to such process.
The plan decided through consultation of one group of partial payment amount of money can be referred to as repayment schedule within the period decided through consultation, and can
To be pre-defined or predetermined.According to other embodiment, consumer can be for example during transaction or purchase
Select repayment schedule (for example, circulation is refunded the date, the interval, amount to pay etc. between partial payment).According to further reality
Mode is applied, repayment schedule can be changed or be rebuild (for example, extension refund-extension refunds it after merchandising or buying the date
Between interval, accelerate refund-shortening refund between interval, refund date skew-change of that month date, amount to pay etc.).Weight
New guarantee can perform automatically according to repayment schedule, that is to say, that can be replanned according to reconstruction.
The computer of method, system, equipment and correlation that the present invention includes being used to promote credit transaction or guarantee can perform
Code.According to certain embodiments of the present invention, as businessman or first party and commodity and/or service and/or currency means (example
Such as cash) consumer/client between transaction a part, it can be or by any accessing points (for example, online, pin
Sell point, mobile sale point, ATM；And/or any communication equipment, such as mobile phone or its annex, and now
It is knowing or by any other accessing points of futuristic design) initiate, consumer can ask by tranaction costs be divided into one group of payment/
Monthly payment plan, thus expense can be split in a period of time.One group of payment and described a period of time can be predefined
Or it is predetermined.
According to certain embodiments of the present invention, as the part to serial expense allocation, commodity and/or clothes
The consumer of business and/or currency means (such as cash) can ask two level Credit Provider to be purchased to businessman or first party payment
The commodity and/or the expense of service bought.Second Credit Provider can be ready for it is described transaction provide with funds it is any
Third party's (for example, any financial institution, businessman or first party, himself).According to further embodiment, it is understood that there may be profit
With transaction system described below by paying by instalments come a side of tissue payment (for example, independent third party, businessman, two level
Credit Provider, one-level Credit Provider).
According to certain embodiments of the present invention, two level Credit Provider can provide the consumer with will be propped up by two level supplier
Pay the main amount of money and/or financing reward (such as interest or any other class reward) refund clause (for example, monthly pay/
Monthly payment plan) reward.Two level Credit Provider, which can be directed to be supplied to by one-level Credit Provider (such as credit card company), to disappear
The line of credit of expense person will pay the amount of money of businessman to assure.To businessman or first party payment while or before, financing
Side (for example, two level Credit Provider) can ask the credit authorisation to expected remaining sum to one-level Credit Provider, including melt
Provide reward (such as interest, commission, any other additional reward and possible fine).
According to further embodiment, following kind of monetary cost/reward/transaction can be assured：The reality of transaction
Border expense；Financing reward (as described above)；Any Praecipium, fine and/or the fine related to two level credit；Goods, no
Damages caused by movable property etc.；The transaction of Zhi Fuyu bases related reward, fine and/or fine；Zhi Fuyu bases transaction phase
Tax revenue, insurance and/or any other fund of pass；Paid by instalments with tissue two level credit, tissue, organize transaction described below
System uses related reward and the fund of fine etc..
According to other embodiment, according to various algorithms, various expenses, reward, fine and/or damages can be by
It is assigned to partial payment (monthly payment plan), including but not limited to situations below：(i) monthly payment plan is single-candidate every time；(ii) it is several
The full amount of kind reward or all rewards is included in monthly payment plan for the first time；(iii) be substantially similar to it is many not
The mode of movable property loan distribution interest, all above-mentioned rewards are distributed by almost identical algorithm；(iv) with termination/completion/knot
Beam lease related expense, damages, reward and fine turn into an extra serial part；(v) handed over terminating in advance
Easily related expense, damages, reward and fine is added to current period monthly payment plan or other monthly payment plan；(vi) it is based on examining
Consider probability and Consumer profile and the algorithm of other related considerations, expense, damages, reward and fine are added to guarantee
Volume.
According to certain embodiments of the present invention, two level Credit Provider can be based on two level Credit Provider and consumer
Between the refund clause decided through consultation ask to authorize the partial payment of credit to one-level Credit Provider.Because each credit authorisation is pre-
The period of definition is expired based on certain action, and two level Credit Provider can be by more than intermittently re-request residue
The credit authorisation of volume assures any remaining sum that consumer owes again.Credit authorisation can be held before previous mandate expires
OK, such as to eliminate the not guaranteed any time section of fund.
According to certain embodiments of the present invention, above-mentioned guarantee again can be re-executed and transferred accounts the cycle, Zhi Daosuo
There is remittance for the proceeds to be transferred to two level Credit Provider.If guarantee failure, the two level Credit Provider can be based on again
Performed last credit guarantee, one-level Credit Provider is asked by the remaining balance transfer of whole from the consumer to two
Level Credit Provider.
According to further embodiment, above-mentioned guarantee and again guarantee chain and method can be used for consumer/client/
User provides third-party deposit/guaranty/bond/gage.Including financing reward (such as interest, commission, any other supplement
Reward) and possible fine including the amount of money of deposit/guaranty/bond/gage can be directed to one-level Credit Provider's (example
Such as, credit card company) it is supplied to the line of credit of consumer to be assured.Sending deposit/guaranty/bond/gage
Simultaneously or before, financier (such as two level Credit Provider) can ask credit authorisation to be determined to one-level Credit Provider
The amount of money of gold/guaranty/bond/gage.
Expire due to each credit authorisation in predetermined time period or based on some action, so two level credit provides
Person can assure the credit authorisation of remaining remaining sum any remaining remaining sum of gage again by intermittently re-request.
Credit authorisation can perform before preceding sub-authorization expires, such as to eliminate the not guaranteed any time section of fund.
According to certain embodiments of the present invention, financier (for example, two level Credit Provider) can be based on believing in two level
The refund clause decided through consultation between supplier and consumer/customer/user is borrowed to one-level Credit Provider or consumer/client/use
Ask the partial payment of issued guarantee in family.Guarantee can also be kept without intermittent refund so that original amount exists
Previous mandate is constantly assured again before expiring, until guarantee is returned.
If guarantee failure again, the credit authorisation that the two level Credit Provider can be performed based on the last time, are asked
One-level Credit Provider gives the remaining balance transfer of the whole of consumer to it.
According to certain embodiments of the present invention, can provide for promote with expense commodity purchasing, service or
The associated transaction based on credit of real estate, any other transaction and/or the method and system tendered guarantee.According to the present invention
Some embodiments, can pass through data network receive instruction commodity, service or gage expense data.Transaction/load
The expense of the subject matter insured can then be assured by the line of credit that data network provides for one-level Credit Provider.Assuring
Afterwards, two level Credit Provider can be that transaction/gage is provided with funds.Two level Credit Provider may intermittently collect
The partial payment money of tranaction costs, while unpaid transactions balances are intermittently assured again.
According to certain embodiments of the present invention, transaction system can include one or more trading servers, the friendship
Easy server includes centralized Control logic, and collective's control logic is suitable to：(1) received by data network and represent commodity, clothes
The data of the expense of business or gage；(2) for one-level Credit Provider provide line of credit by data network to transaction/
The expense of gage is assured；(3) provided with funds after guarantee for transaction/gage；(4) intermittently provided from one-level credit
Person's receiving portion branch is paid the bill；And (5) intermittently assure unpaid remaining sum again.
According to some embodiments, the transaction between businessman or first party and consumer/client can relate to businessman or first
Direction consumer/client provide commodity, service, real estate, lease service, financial service, any other service or product and/or
Its any combinations.Transaction can will be set in traditional merchant transaction, online transaction, move transaction and/or currently known future
The transaction for any other type counted out.
According to some embodiments, businessman or first party can be commodity retail business and/or service provider, such as：(1)
Financial service, (2) bank service, (3) lease service, (4) Communications service, (5) medical services, (6) tourist service, (7) currency
Conversion services, or any other commodity or service.Businessman can provide commodity, service, cash or real estate to client：(1) exist
The point of sale (such as cashier's machine) of someone's control, (2) by automation equipment (such as dispenser, ATM etc.),
(3) by online e-commerce site or by application program of settling accounts online, and/or (4) pass through mobile business affairs system.
According to other embodiment, businessman described herein or first party can be private or personal, or serve as individual
Tissue, i.e. can realize system and method described herein with to the business interaction offer between personal (i.e. private party) by stages
Payment and/or guarantee services.According to other embodiment, two person-to-person transaction or guarantee can be with that can be online
Market (such as ebayTM, craigslistTM) organized market it is related, and above-mentioned/payment/side assured that provides with funds
Method and system, which can be provided/promoted by organized market, or in connection/associatedly to provide/promotes.According to entering one
The embodiment of step, above-mentioned provide with funds/payment/method and system assured can by single application program, equipment or
System is provided/promoted, the application program, equipment or system may be designed to different degree with it is organized online
Market interacts.According to other embodiment, above-mentioned to provide with funds/payment/method and system assured can be used as only
Vertical service is provided/promoted, and it has and/or without subscription/enrolled for service.According to some embodiments, client/consumption
Person can given transaction and/or guaranty period or before establish for being carried out by two level creditor (two level Credit Provider)
Transaction/payment under guarantee convenience or availability.As the part that requestee's arrangement is established with two level creditor, Ke Huke
To provide personal information and financial information, including：(1) name, (2) address, (3) ID card No. (such as social security number),
And one or more identifiers (such as credit card account) of (4) one-level creditor's account, two level creditor can be directed to it
Ensure to repay other remunerations that two level creditor represents payment that client makes or extension.
According to certain embodiments of the present invention, one as the expense/amount of money for sharing serial transaction/guarantee
The consumer of part, commodity and/or service and/or currency means (such as cash) can use payments mechanism or token, such as
The Payment Card or on-line payment application program provided by two level Credit Provider.Can using the payments mechanism of two level Credit Provider
Two level Credit Provider can be caused：(1) details of authenticating transactions；(2) it is whether sufficient that one or more one-level lines of credit are examined
With the payment transaction amount of money, and (3) pay the part or complete for buying commodity and/or service to businessman in addition to (1) and (2)
Portion's expense.Two level Credit Provider can be ready for it is described transaction provide with funds (such as paying businessman) any 3rd
Side.
According to certain embodiments of the present invention, the partial payment of tranaction costs can collect from one-level Credit Provider,
Directly collect from the buyer of commodity or service, or collected from any other people and/or entity for representing the buyer.This
Outside, the expense of this transaction can be received by any of above means or its combination.According to certain embodiments of the present invention,
If guarantee failure again, two level Credit Provider can receive whole remaining sums from one-level Credit Provider and pay, or use disappears
The different accounts or the account of other people or entity of the person of expense are (according to the instruction previously or now of consumer and such individual
With the license previously or now of entity) receive from same one-level Credit Provider or other Credit Providers and assure again.
According to other embodiment, partial payment (monthly payment plan) can be collected from buyer using in the following manner：From
The bank account of buyer or the direct of any other account are transferred accounts；By using the bank account for buyer or it is any its
The check or draft that his account is issued, can be as the check of " banker's check "-issue for bank portfolio and/or general credit；
Pass through any debit card；Pass through any credit card；Pass through any financial instrument；Pass through cash；Pass through remittance；Pass through token；It is logical
Cross electronic cash (including passing through internet)；Pass through e-payment token (such as " network money ")；And/or by currently known
Or any other method designed in the future.Any account, any debit card, any credit card etc. are not necessarily meant to refer to buyer's
Account or debit card/credit card, but any account of any other people or entity, debit card/credit card etc. can be referred to.
According to further embodiment, have secured revolving credit can be used for leasing and (charter) payment, commodity and/or
The payment of service or real estate are paid.In addition, such method can be used for assuring：Payment on terms (such as timing is paid by instalments, such as
Monthly pay)；Pay the damages or any other damages of leased property；Relevant various of Zhi Fuyu credits are penalized
Money, reward and fine；Various fine, reward and the fine for being related to basis transaction are paid, including it is relevant with terminating or completing lease
Various rewards, fine and fine；And/or the expense such as the tax revenue related to basic transaction, insurance, public expenditure.According to some
Embodiment, having secured revolving credit can allow buyer to avoid：It is bank gurantee, advance money on security, cleaning expense, multiple
Advance payment, key cash pledge, the advance payment of possible damages, and/or the insurance of rental period/moon, tax revenue and/or public expenditure
Advance payment and any other advance payment.
According to the further embodiment of the present invention, held for the line of credit by holding for one-level Credit Provider
Continuous method, system and the part that guarantee is carried out to expense and assures the financing for carrying out guarantee fee again can be used for：
A., the net present value (NPV) (subtracting reward/commission) of debt is provided to the businessman for owing serial debt or its other party,
Obtained with exchange to serial guarantee, on condition that monthly payment plan can be assured by one-level Credit Provider；With
B. (such as public utilities payment, country club membership, software license etc.) is paid the bill in the early stage of expense
Provided with funds in the case of with excitation or discount for payment early stage, on condition that early stage, payment can be carried on a shoulder pole by one-level Credit Provider
Protect.
The brief description of exemplifying drawings
It is highlighted and is distinctly claimed in the latter end of specification on subject of the present invention.However,
When being read together with exemplary drawings, by reference to described in detail below, the tissue as operation and side can be best understood
The present invention of method and its objects, features and advantages, in the accompanying drawings：
Fig. 1 is to describe the illustrative methods for being used to promote instalment trade according to some embodiments of the present invention
Stage and the flow chart of step；
Fig. 2 is to describe the figure for being used to promote the module of the example system of transaction according to some embodiments of the present invention
Table；
Fig. 3 is the image of example transaction payment agreement according to some embodiments of the present invention；
Fig. 4 is to describe the figure for being used to promote the module of the example system of transaction according to certain embodiments of the present invention
Table, the system include consumer interface's module, businessman's interface module and one-level Credit Provider's interface module；
Fig. 5-12 be according to certain embodiments of the present invention by for promote transaction example system make it is each
The guarantee scene of the exemplary one-level Credit Provider of kind；
Figure 13 be present according to certain embodiments of the present invention be used for by two level Credit Provider provide monthly payment plan
And/or guarantee services illustrative methods the step of flow chart；
Figure 14 be present according to certain embodiments of the present invention be used for by two level Credit Provider provide rent guarantee
The flow chart of the step of illustrative methods of service；
Figure 15 is presented all according to some embodiments of the present invention for being two privates by two level Credit Provider
The flow chart of the step of illustrative methods of transaction offer monthly payment plan and/or guarantee services between people；
Figure 16 is to present to be used to be provided from two level Credit Provider to businessman all according to some embodiments of the invention
Monthly payment plan shopping realization illustrative methods the step of flow chart；
Figure 17 is presented all according to some embodiments of the present invention for being two privates by two level Credit Provider
Transaction between people provides the block diagram of the framework of the system of monthly payment plan and/or guarantee services, wherein being promoted by online marketplace
Transaction and monthly payment plan and/or guarantee services；
Figure 18 is presented all according to some embodiments of the present invention for being two privates by two level Credit Provider
Transaction between people provides the block diagram of the framework of the system of monthly payment plan and/or guarantee services, and wherein buyer arranges two level credit
The monthly payment plan of supplier and/or guarantee services；
Figure 19 is presented all according to some embodiments of the present invention for being two privates by two level Credit Provider
Transaction between people provides the block diagram of the framework of the system of monthly payment plan and/or guarantee services, and the wherein seller arranges two level credit
The monthly payment plan of supplier and/or guarantee services；
Figure 20 is presented according to particular exemplary commercial implementation of the invention including coming from two level Credit Provider
Monthly payment plan service normal purchase-transaction example figure；
Figure 21 is to present be related to two level Credit Provider according to particular exemplary commercial implementation of the invention
The figure of the example of reimbursement process in scene；
Figure 22 is to present to be related to supporting for two level Credit Provider according to particular exemplary commercial implementation of the invention
Give as security the figure of the example of model；
Figure 23 is the P2P for being related to two level Credit Provider that the particular exemplary commercial implementation according to the present invention is presented
The figure of the example of model；
Figure 24 be present according to the two level Credit Provider of the particular exemplary commercial implementation of the present invention to it is many not
Tongfang provides the figure of the example of service；
Figure 25 is to present to provide payment early stage by two level Credit Provider all according to some embodiments of the present invention
The flow chart of the step of illustrative methods of service；
Figure 26 is that being used for by two level Credit Provider to need to come from it according to certain embodiments of the present invention is presented
Deposit/guarantee of some or all clients provides deposit/guarantee services to receive the service of the equipment of service and/or correlation
The flow chart of the step of illustrative methods.
It should be appreciated that accompanying drawing is only used for illustrating described in detail below, therefore it is exemplary in nature, and do not wrap
Include all possible conversion of the present invention.Moreover, it will be appreciated that simple and clear for explanation, the element shown in figure is not
It is certain drawn to scale.For example, for the sake of clarity, the size of some elements can be exaggerated relative to other elements.
Invention description
In the following detailed description, many details are elaborated to provide thorough understanding of the present invention.However, this
The technical staff in field will be understood that, can implement the present invention in the case of these no details.In other examples,
Known method, process, component and circuit are not described in detail, in order to avoid obscure the present invention.
Unless otherwise specifically stated, as will become apparent from from following discussion, it is recognized that in entire disclosure discussion
In, using term such as " processing ", " calculate (computing) ", " calculating (calculating) ", " it is determined that " etc. refer to computer
Or action and/or the process of computing system or the people of similar electronic computing device or this system of operation, these actions or mistake
Journey is by the data manipulation for the physical quantity such as amount of electrons being represented as in the register and/or memory of computing system or conversion
Into being similarly represented as the memory in computing system, register or other such information storage, transmission or display devices
Other data of interior physical quantity.
Embodiments of the present invention may include apparatus for performing the operations herein.Such device can be specially constructed
For the desired purposes, or it can include selectively activating or reconfiguring by the computer program of storage in a computer
All-purpose computer.Such computer program is storable in computer-readable recording medium, computer-readable recording medium
Such as, but not limited to any kind of disk, including floppy disk, CD, CD-ROM, magneto-optic disk, read-only storage (ROM), deposit at random
Access to memory (RAM), EPROM (EPROM), electrically erasable and programmable read-only memory (EEPROM), magnetic
Card or light-card are suitable for storing e-command and can be coupled to the medium of any other type of computer system bus.
In addition, one-level Credit Provider-can also be referred to as or refer to credit card issuer (by credit/silver of holder
Row/other accounts support) or line of credit any other supplier；Two level Credit Provider-according to some embodiments
It can be referred to as or refer to of the invention, the present invention system or be simply referred as system.However, this should not be by the implementation of the present invention
Mode, function or ability are limited to those two levels Credit Provider described in this application；Term credit guarantee-can include
Some or all of following steps, it is referred to as credit request, credit authorisation and credit clearing, each step can adjoint/table
Levy as corresponding period (authorize and expire) and the amount of money (authorizing the amount of money)；Consumer-can also be referred to as or refer to buyer,
Client, credit card holder or referred to as holder；And payment in part is (according between two level Credit Provider and consumer
Refund clause)-can also be referred to as or refer to monthly payment plan, intermittently payment, payment in part or intermittent payment in part.
Set forth herein process and display be not inherently related to any specific computer or other devices.It is various logical
It can be used according to the program instructed herein with system, or it can prove that conveniently the more special of expectation method can be performed by structure
Device.By following description, the desired structure for these various systems will appear from.In addition, embodiments of the present invention
Do not described with reference to any specific programming language.It will be recognized that various programming languages can be used for realizing hair as described herein
Bright teaching.
The computer of method, system, equipment and correlation that the present invention includes being used to promote credit transaction or guarantee can perform
Code.According to certain embodiments of the present invention, as businessman or first party and commodity and/or service and/or currency means (example
Such as cash) consumer/client between transaction a part, it can be or by any accessing points (for example, online, pin
Sell point, mobile sale point, ATM；And/or any communication equipment, such as mobile phone or its annex, and now
Any other accessing points that know or futuristic design goes out) initiate, consumer can require by tranaction costs be divided into one group of payment/point
Phase pays the bill, and thus expense can share within a period of time.One group of payment and described a period of time can be predefined
It is or predetermined.
According to some embodiments, the transaction between businessman or other first party and client/consumer can relate to businessman or
Other first directions client/consumer provides commodity, service, financial service, property or the use of equipment and/or its any group
Close.Transaction can will be designed in traditional businessman/sales transactions, online transaction, move transaction and/or currently known future
Any other type transaction.According to some embodiments, businessman or other first party can provide transferable gold to client
Melt instrument, such as one or more national currency, blank bond etc..Businessman or other first party and commodity and/or clothes
Possible all existing or type in future transaction can be supported by the various embodiments of the present invention between the consumer of business
(for example, online/internet；Point of sale；ATM etc.).
According to certain embodiments of the present invention, can provide for promoting and the commodity with expense, service or motionless
The transaction based on credit, any other transaction and/or method and system tendered guarantee that the purchase of production is associated.According to this hair
Some bright embodiments, the data of the expense of instruction commodity, service or gage can be received by data network.Transaction/
The expense of gage can then be assured by the line of credit that data network provides for one-level Credit Provider.Carrying on a shoulder pole
After guarantor, two level Credit Provider can be that transaction/gage is provided with funds.Two level Credit Provider may intermittently collect
The partial payment of tranaction costs, while unpaid transactions balances are intermittently assured again, until whole tranaction costs+any correlation
Reward/commission repaid.
According to certain embodiments of the present invention, transaction system can include one or more including collective's control logic
Trading server, collective's control logic is suitable to：(1) received by data network and represent taking for commodity, service or guarantee
Data；(2) line of credit provided by data network for one-level Credit Provider is entered to the expense of transaction/gage
Row guarantee；(3) after guarantee, provided with funds for transaction/gage；(4) intermittently part branch is collected from one-level Credit Provider
Payment；(5) unpaid balance is intermittently assured again.
In fig. 1 it is shown that description according to certain embodiments of the present invention is used to promote showing for instalment trade
The flow chart in the stage and step of example property method.The Part I of the process starts from businessman or first party and buyer/consumption
Negotiation between person on commodity or the expense of service.Once price is appointed, buyer/consumer can believe to two level
Borrow supplier and ask service (monthly payment plan), and may be received by businessman or merchant terminal and be provided by two level Credit Provider
Refund clause as respond.Buyer/consumer and then can be with：Acceptance clause, another refund offer is asked, or determine him
Lose interest in.Then, two level Credit Provider is entered by one-level Credit Provider to whole dealing money (including financing reward)
Row guarantee, and pay dealing money in full to businessman or first party.In the Part II of the process, in portion one or more times
After paying separately money, two level Credit Provider attempts to assure remaining transactions balances again by one-level Credit Provider.If one
Level Credit Provider authorizes the guarantee to remaining transactions balances, then two level Credit Provider order one-level ISP props up to it
Pay authorize total amount partial payment (the refund clause based on buyer), and cancel carried out by one-level ISP it
Preceding last time guarantee, this iteration can repeat, until the full amount of transaction pays two level Credit Provider.It is another
Aspect, if the guarantee of one-level Credit Provider's with no authorized residue transactions balances, two level Credit Provider's order one-level clothes
Business supplier pays the remaining remaining sum of whole of the transaction to it (based on the last time mandate before one-level Credit Provider).
According to certain embodiments of the present invention, guarantee module may be adapted to receive instruction commodity, load by data network
The data of the subject matter insured or the expense of service.Data can receive from the merchant agent of the group formed selected from following item：Terminal businessman's generation
Reason, online merchants agency, checkout supplier agency and cash withdrawal agency.Guarantee module can be further adapted for receive with it is described
The relevant data of the amount of money and/or total value of partial payment.According to certain embodiments of the present invention, guarantee module may be adapted to pin
To one-level Credit Provider provide line of credit the expense of transaction is assured, guarantee can include initiate credit request and
Receive credit authorisation.
According to certain embodiments of the present invention, funds transfer module may be adapted to be transaction/gage after its guarantee
Provide with funds (for example, businessman or the first party of commodity/service are provided by transferring funds to).According to some realities of the present invention
Apply mode, fund receiving module may be adapted to that intermittently receiving portion pays or received branch in full from one-level Credit Provider
Pay.Gathering module can be further adapted for receiving whole remaining sums payments from one-level Credit Provider in guarantee failure again.Root
According to some embodiments of the present invention, only fund could be transferred to businessman when by commodity transporting to consumer.
According to further embodiment, guarantee described herein and the system and method assured again can be used for disappearing
The person of expense/customer/user provides third-party deposit/guaranty/bond/gage.(such as interest, commission, appoint including financing reward
What his additional reward) and possible fine including the amount of money of deposit/guaranty/bond/gage can be directed to one-level letter
Borrowing supplier (for example, credit card company) is supplied to the line of credit of consumer to be assured.Sending deposit/guaranty/debt
While certificate/gage or before, financier (such as two level Credit Provider) can be (or one group one to one-level Credit Provider
Level Credit Provider) request is to the credit authorisation of the amount of money of deposit/guaranty/bond/gage.
According to certain embodiments of the present invention, guarantee module can be further adapted for intermittently assuring again unpaid remaining
Volume.Again guarantee can include initiating credit request and receive credit authorisation.
In fig. 2 it is shown that the example system for being used to promote transaction/guarantee according to some embodiments of the present invention
The table of module.Buyer acts on behalf of (CWA) by cash withdrawal, checkout supplier act on behalf of (CPA) or merchant agent (MA) (such as
Line merchant agent, terminal merchant agent) or any other suitable mode start transaction.(two level Credit Provider) load of system
Protect module and then complete total transaction amount credit authorisation is performed by one-level Credit Provider, once the credit that it succeeds is awarded
Weigh (guarantee), it is financed using its funds transfer module and whole dealing money is transferred into businessman or first party.Based on buyer
The instalment plan of agreement, intermittently (for example, before each monthly payment plan is completed) asks remaining sum to two level Credit Provider
Total value credit authorisation.During per the request of sub-authorization remaining sum total value credit, two level Credit Provider is current serial surplus to deducting
Remaining sum is assured that current serial total value is transferred to it by request one-level Credit Provider again, and uses its money
Golden receiving module receives the amount of money.If the request of remaining sum credit is uncommitted, two level Credit Provider is carried based on one-level credit
Donor done before last time mandate, request one-level Credit Provider shifts whole transactions balances to it.
In fig. 3 it is shown that the image of example transaction arrangement of payment agreement according to certain embodiments of the present invention,
The wherein interest of the subtotal based on transaction, monthly payment plan number and calculating；Calculate and submit the serial amount of money of the first stroke and
Remaining sum total value (after the first stroke is paid by instalments).
According to certain embodiments of the present invention, a serial part, commodity and/or service are shared as transaction
And/or the consumer of currency means (such as cash) can ask two level Credit Provider to businessman pay buy commodity with/
Or the expense of service.The two level Credit Provider can be ready for it is described merchandise provide with funds any third party (such as
Any financial institution, businessman, any other people or entity).
According to certain embodiments of the present invention, two level Credit Provider can provide the consumer with two level supplier and pay
The main amount of money and/or financing reward (such as interest or any other class reward) refund clause (for example, monthly pay/point
Phase pays the bill).Two level Credit Provider can be directed to and be supplied to consumer by one-level Credit Provider (such as credit card issuer)
Line of credit will pay the amount of money of businessman or first party to assure.While to merchant payment or before, financier's (example
Such as, two level Credit Provider) can to one-level Credit Provider ask include financing reward (such as interest, commission, any other
Additional reward) remaining remittance for the proceeds credit authorisation.
According to certain embodiments of the present invention, two level Credit Provider can be based on two level Credit Provider and consumer
Between the refund clause decided through consultation the payment in part of credit has been authorized to one-level Credit Provider request.Because each credit authorisation exists
Expired in predetermined time period or based on some action, so two level Credit Provider can be remained by intermittently re-request
The credit authorisation of remaining sum is owed its any remaining remaining sum by consumer to assure again.Credit authorisation can be in previous mandate
Performed before expiring, such as to eliminate the not guaranteed any time section of fund.
According to certain embodiments of the present invention, above-mentioned guarantee again and money transfer cycle can be merely re-executed,
Until all branch payments dealt with are transferred to two level Credit Provider.If guarantee failure again, the two level credit provides
Person can ask one-level Credit Provider to incite somebody to action whole remaining remaining sums from consumer based on the credit guarantee that last time performs before
It is transferred to two level Credit Provider.
According to the further embodiment of the present invention, by paying monthly payment plan every time in buyer/cash withdrawal person
Before while or immediately after which (i.e. before the expiring of each first credit guarantee [time or action are initiated] while or
Afterwards), assured again by the remaining remaining sum to owing to pay two level Credit Provider some or all, it is possible to reduce or
Minimize the risk of uncollectible fund.
According to some embodiments, businessman can be commodity, real estate, the retailer of cash and/or the supplier of service,
The service is, for example,：(1) financial service, (2) bank service, (3) lease service, (4) Communications service, (5) medical services,
(6) tourist service, (7) currency conversion services or any other commodity or service.Businessman can be in the following manner to client provider
Product or service：(1) someone operation point of sale (such as cashier's machine), (2) by automation equipment (such as dispenser,
ATM etc.), (3) are by online e-commerce site or by application of settling accounts online, and/or (4) pass through Mobile business
System, or pass through any other commercial location currently known or will design in the future.
According to some embodiments, retailer can also provide financial service, such as to customer lending or otherwise
Currency is provided.According to some embodiments, the businessman of commodity and/or service can serve as two level Credit Provider.For example, it is based on
The guarantee provided by one or more one-level Credit Providers, retailer can provide the money for following purposes to client
Gold：(1) instant synthetic gold loan；(2) purchase, taxi or the lease of product；And/or (3) service.According to some embodiments, two
Level Credit Provider can be any bank, and/or authorize alliance (accredit union), and/or any financial institution,
And/or any other entity and/or individual.
According to some embodiments, guarantee described herein and the system and method assured again can be with origin from financier
Independent commercial entity perform.Independent guarantee entity can provide guarantee services as described herein to financier.Change sentence
Talk about, two level Credit Provider described herein can be implemented as two or more independent realities in some embodiments
Body, one or more entities are provided with funds and independent entity provides guarantee as described herein and assured again.Such
, can be by any type of entity or both with consumer and/or interacting for businessman's (or first party) in embodiment.Accordingly
Ground, there may be such two level Credit Provider, it uses next pair of single service by providing funds for payment
Fund carries out guarantee and assured again, to provide monthly payment plan/guarantee services described in the disclosure, and/or there may be
Such two level Credit Provider, it contacts with its other party and is directed to providing by tendering guarantee and guarantee services again
The fund of performed guarantee, to provide monthly payment plan/guarantee services described in the disclosure.In addition, single " guarantee " entity
Guarantee services as described herein can be provided for multiple different financier/platforms." two level Credit Provider " referred in this
Be interpreted as also describing such embodiment, i.e., when provide with funds and assure performed by single entity when.
According to further embodiment, businessman or first party can be private or personal, or serve as the tissue of individual.Change
Sentence is talked about, and monthly payment plan described herein and guarantee services can be supplied to and carry out business activity each other by two level Credit Provider
Individual.In such a scenario, a side of negotiation/transaction can draw the service of two level Credit Provider and think a side of transaction
Monthly payment plan or guarantee are provided.Two level Credit Provider can be contacted with by the seller/lending side and/or buyer/leaseholder/user
[seeing Figure 18-19].The service of two level Credit Provider can be based on previous/lasting relation with one or more parties concerned
(for example, there is member, account, configuration (profile) relation etc. with two level Credit Provider) and/or based on interim basis.
The business of progress to each other according to certain embodiments of the present invention is presented in the flow chart labeled as Figure 15
The personal example process that monthly payment plan and/or guarantee services are provided of activity.From flow chart as can be seen that according to some realities
Mode is applied, two level Credit Provider can receive the details of transaction/guarantee and a side of one or more transaction and one
Or more one or more accounts of one-level Credit Provider details.Before the fund of hopping/guarantee, two level credit carries
Donor can be supplied to that buyer/leaseholder/user's is one or more for one or more one-level Credit Providers
Line of credit carrys out the amount of money of guarantee transaction/gage.Once one or more one-level credits of buyer/leaseholder/user carry
Credit authorisation success of the donor to the amount of money in discussion, two level Credit Provider will can be merchandised or the amount of money of gage is subtracted and appointed
The amount of money of what reward/commission forwards to businessman/its other party.According to certain embodiments of the present invention, can send out as described herein
The repetitive cycling assured again is played, wherein each circulation can include：The guarantee again of remaining remaining sum；It is and pre- based on consumer
The clause first agreed to, it current will pay and be transferred to two level Credit Provider and (such as consumption is supplied to by one-level Credit Provider
The line of credit of person) request.According to further embodiment, reward and/or commission can be collected from buyer, substitution or
In addition to reward/commission by seller payments.
According to certain embodiments of the present invention, the repetitive cycling can be transferred to two level letter all dealing with payment
Supplier is borrowed to terminate afterwards.If guarantee failure again, the two level Credit Provider can based on before performed most
A credit guarantee afterwards, ask one-level Credit Provider by the remaining balance transfer of whole from the consumer to it.Credit
Mandate can perform before previous mandate expires, such as to eliminate the not guaranteed any time section of fund.As generally existed
Described herein, in such a scenario, two level Credit Provider can be made up of two or more entities, one of them or more
Individual entity is provided with funds, and individually entity provides and performed the guarantee of fund and assures again.
For example, it is contemplated that negotiated two sides that the used car of personal is sold to another person.A wherein side or
Both sides can contact serial payment that two level Credit Provider arranges automobile.Two level Credit Provider can be with：(1) phase is collected
Information (details of sale details and one or more one-level Credit Provider accounts of buyer) is closed, (2) are to one or more
Individual one-level Credit Provider obtains the credit authorisation of the purchase amount of money, when (3) determine to include reward, commission, fine, payment with each side
Between table etc. clause；(4) fund (subtracting any related reward/commission) is handed into the seller；(5) part money is collected from buyer
；(6) to one-level Credit Provider's guarantee balance；(7) if guarantee failure again, the two level Credit Provider can be with base
In the credit guarantee that last time performs before, all remaining remaining sums are transferred to it by request one-level Credit Provider from buyer.
Credit authorisation can be performed consistently before prior authorizations expire, such as to eliminate the not guaranteed any time section of fund.
According to some embodiments, in the case where being related to private placement placing, two level Credit Provider can believe prior to one-level
Borrow " nominal businessman " that supplier is registered as transaction.Two level Credit Provider can also be PSP (payment services supplier) or
PI (payment mechanism).
According to other embodiment, transaction or guarantee between two individuals can be associated with organized market,
The market can be online marketplace (such as ebayTM、craigslist TM) and above-mentioned/payment/side assured that provides with funds
Method and system can by or combination/association organized market to provide/facilitate (referring to Figure 17).For example, organized city
The interface of field can include the control element for being used for the serial purchase of service progress using two level Credit Provider.Another
In one example, the online marketplace for lease can include being used to arrange the clothes using two level Credit Provider described herein
It is engaged in deliver the control element of the gage of Tenancy Agreement.Control element can identify two level Credit Provider or can be from having
The market of tissue provides service in itself, and this depends on the service of the two level Credit Provider on backstage.In other words, by online city
In the negotiation for being used to merchandise of field offer and/or the interface of liquidation, it can provide and ask to pay by instalments and/or assure for user
Control element/link/pointer of product/guarantee services.Such control element can be to the simple of two level Credit Provider
Link, this is linked as such two level Credit Provider and provides this service or advertisement.Then with control element/link/pointer
Interaction can guide the interface of two level Credit Provider into, then two level Credit Provider can consult and provide point asked
Phase pays the bill and/or gage/guarantee services.In other embodiments, market can provide service in itself, in such case
Under, the interface for asking, consulting and receiving monthly payment plan and/or gage/guarantee services is desirably integrated into for transaction
The online marketplace interface consulted and/or paid off, such as " monthly payment plan " button.In such embodiment, online marketplace can
To receive guarantee and/or the fund of monthly payment plan and/or gage/guarantee services from two level Credit Provider.According to further
Embodiment, two level credit can be provided for technical support and/or the hardware/soft of the implementation of the service of online marketplace
Part.
It should be understood that the description as described in online marketplace can also be applied to not be intrinsic (or expected in the application
) market but online service and/or the forum of a certain degree of business are undergone in its activity.For example, social network sites (example
Such as FacebookTM、Tweeter TM、Instagrarn TM、Linkedin TM) may be passed through between the user in the framework of website
Go through business activity.In such social network sites, for example, it may be possible in the presence of " monthly payment plan " and/or " guarantee/mortgage " button, its
It can be designed as providing or be linked to two level Credit Provider service as described herein.
According to other embodiment, above-mentioned is provided with funds/payment/, and the method and system assured can be by that may be set
It is calculated as providing/promoting with single application program, equipment or the system of organized online marketplace interface in various degree.Example
Such as, application program can be fully integrated into organized market so that the feature that two level Credit Provider provides, which turns into, group
The integrated functionality in the market knitted.In another example, application program is only linked by advertisement or other linking mechanisms with market,
So that the user in market individually contacts two level Credit Provider to draw its service.Obviously, two level Credit Provider and there is group
Other many arrangements may be implemented between the market knitted.As such, it should be understood that organized market can receive two
The reward for the customer that level Credit Provider receives from market or other remunerations.Or market can be to two level Credit Provider's branch
Pay the reward that its service is provided in market.
According to other embodiment, single two level Credit Provider can provide monthly payment plan to more than one market
And/or guarantee services, this may use single identification to mark (brand-such as Pay It SimpleTM) (see Figure 24).
According to other embodiment ,/payment/method and system assured described above to provide with funds can be used as tool
There is and/or without reservation/the independent service of enrolled for service is provided/to promote.
According to some embodiments, it is being related to such case of the private placement placing occurred in the framework in organized market
Under, two level Credit Provider can be registered as being used to merchandise " nominal businessman " prior to one-level Credit Provider and/or market can
To be registered as prior to one-level Credit Provider " the nominal businessman " of transaction.Two level Credit Provider or market can also be PSP
(payment services supplier) or PI (payment mechanism).
According to some embodiments, one-level Credit Provider can be credit card issuer, financial institution, credit cooperative
And/or client's and represent any other entity that client delays and/or submits credit and/or payment services.
According to some embodiments, client can be established during or before given transaction for by two level creditor
(two level Credit Provider) is traded the convenience or availability of payment.As the tissue with two level creditor or two level credit
Person establishes a part for requestee's arrangement, and client can provide following personal and financial information, including：(1) name, (2) address,
(3) ID card No. (such as social security number), and (4) one-level creditor's account one or more identifiers (such as
Credit card account), for the account, two level creditor can assure by two level creditor represent the payment that client makes repayment or
Other considerations delayed.According to further embodiment, it can provide and be represented available for guarantee transaction correlative charges to client
One group of one-level account index of one-level line of credit, and client may specify：(1) the one-level account order in the guarantee transaction amount of money
Or the preference of priority；(2) across multiple one-level creditor's account split transaction amount of money guarantee preferred ratio；(3) representative is worked as
When client authorization is merchandised, any other regular or parameter that guarantee module according to the embodiment of the present invention can use.Root
According to other embodiment, identifier can be provided to client and client can be used one or more other staff and/or
The one-level creditor's account of entity (such as company, kinsfolk and/or friend), these personnel and/or entity have agreed to its letter
Mechanism/account is borrowed to be utilized or used by client.
Customer/user interface can be included according to the computer system of embodiment, alternatively website interface, client can be with
One or more two level creditor's accounts are established and/or adjusted by the interface.Foundation and adjustment may include providing or changing
Become above- mentioned information and parameter, and specify or reassign：(1) in the guarantee transaction amount of money one-level account order or priority it is inclined
It is good；(2) across multiple one-level creditor's account split transaction amount of money guarantee preferred ratio；(3) when represent client authorization transaction
When, any other rule or parameter that can be used according to the guarantee module of embodiment of the present invention.
The token of distribution promotion transaction can be included by establishing two level creditor's account according to embodiment, such as：(1) two level
The credit card of Credit Provider, (2) are used in online transaction digital token verified etc., and the movement that (3) are used for mobile payment should
With component, and/or (4) be currently known or will design in the future any other be easy to the token or instrument paid.According to this hair
Bright embodiment, token can be specific for given customer account, and can be used by client when initiating and merchandising.
According to embodiment, token can include one or the one group of customer ID that can be used by the transaction authorisation system of computerization
Symbol, with start authentication vs. authorization client wish participate in transaction needed for step.
In fig. 4 it is shown that description according to certain embodiments of the present invention is used for the example system for promoting transaction
Module table, the system include consumer interface's module, businessman's interface module and one-level Credit Provider it is (one or more
It is individual) interface module.Consumer using consumer interface's module come access and edit/update the consumer of two level Credit Provider/
User logging/data, add or change personal details, his one-level Credit Provider's list, their use condition and/
Or any other attribute relevant with the details of himself and/or its one-level Credit Provider.Businessman's interface module is by business
The request that family expenses are serviced the two level Credit Provider for being provided with funds for consumer transaction in transmission, and receive to these
The reply of request.One-level Credit Provider interface module (guarantee module) is by the one-level Credit Provider based on businessman and consumer
The vouch-for request for the trade detail that data provides is sent to one or more one-level Credit Providers, and as responding, connects
Receive the reply that one or more one-level Credit Providers handle (for example, mandate/uncommitted/section entitlement).
According to certain embodiments of the present invention, due to product or service be not provided with, by reasonable ground return or
For can prove will partly or entirely purchase or financing reward return buyer and/or any other reason of other each side
Startup, which is cancelled the order, refuses to pay program.Financier (for example, two level Credit Provider) can obtain the trade detail of " cancel the order and refuse to pay ", and
The part or all of purchase amount of money correspondingly can be charged into businessman.Outside debit amount, it can the offer of order one-level credit
Person returns or otherwise returned the part or all of amount of money that buyer has paid, and the still unpaid part of buyer
Or full amount.
According to certain embodiments of the present invention, methods described can be used for external coordination, or can allow or cause
Any consumer, Credit Provider, businessman, acquirer, publisher or other people is one or more independent, outside
Or internal entity can be cooperated, in order to monthly payment plan method described herein.In addition, the outside of these instalment trades
Or modularization financing (such as by outside/third party/two level Credit Provider) can be utilized and can be enabled for
One or more two level financing by credit sources, or for extracting cash from different businessmans, this is probably or may not be special
Door is such service customization, thereby increases and it is possible to be or may not be debit transactions financing entity.
According to some embodiments of the application, a kind of transaction system can be provided, it is suitable to promote businessman or first party
With the credit transaction between the consumer of commodity and/or service and/or currency means (such as cash), its can or by appoint
What accessing points (such as online, point of sale, ATM) start.
As a part for transaction system, or it is functionally associated with transaction system, merchant agent, checkout can be provided
Supplier acts on behalf of or cash withdrawal proxy module.Can by any accessing points (such as online, point of sale, ATM/
ATM merchant agent, checkout supplier agency or the cash withdrawal proxy module) accessed goes for treat by financier's (example
Such as, two level Credit Provider) the main amount of money of paying businessman or first party provides consumer's refund clause, and for financing
Consumer's refund clause of reward (such as interest or any other reward), its expense can share within a period of time (such as
Monthly pay, pay by instalments), and start such merchandise after the consumer ratifies.
As a part for transaction system, or it is functionally associated with transaction system, and can tender guarantee module.Guarantee
Module be applicable to by one-level Credit Provider (for example, credit card issuer or any other Credit Provider) request pair
The credit authorisation of full amount, may be by using being supplied to the line of credit of consumer, assure the gold of businessman to be paid
Volume is plus financing reward.The guarantee module can be adapted to while businessman is paid or before, provided to one-level credit
Person's request includes the credit authorisation of financing reward to remaining amount payable.
According to certain embodiments of the present invention, as the part for sharing serial tranaction costs/amount of money, business
The consumer of product and/or service and/or currency means (such as cash) can utilize payments mechanism or token, such as be believed by two level
Borrow Payment Card or the on-line payment application program that supplier provides.It may result in using the payments mechanism of two level Credit Provider
Two level Credit Provider：(1) details of authenticating transactions；(2) check that one or more one-level lines of credit are enough payment transaction
The availability of the amount of money, and (3), under the limitation of (1) and (2), to businessman pay buy commodity and/or service part or
Full payment.Two level Credit Provider can be ready to provide with funds for the transaction (such as to merchant payment) any 3rd
Side.
According to certain embodiments of the present invention, the dealing money for including financing reward provided by two level Credit Provider
For example it can enter for one or more lines of credit that consumer is supplied to by one or more one-level Credit Providers
Row guarantee.Based on the guarantee, two level Credit Provider generally can not include financing reward to businessman's payment transaction amount of money.Root
Can be fixed for any one amount of money assured in one or more one-level lines of credit according to some embodiments
The amount of money, the percentage of fixation or the amount of money of dynamic calculation.Two or more line of credits are directed to according to wherein unpaid remaining sum
Guaranteed embodiment is spent, the gold for each selection in two or more one-level amounts can be dynamically selected
Volume, to reduce the risk that any one-level Credit Provider refuses the part that guarantee selects for their guarantee.
As a part for transaction system, or it is functionally associated with transaction system, money shift module can be provided.
Money shift module is applicable to when the one-level Credit Provider authorizes, and the whole of financing reward will not included by, which ordering, purchases
Buy/Withdrawal Amount is transferred to businessman from two level Credit Provider.
According to certain embodiments of the present invention, the guarantee module can be further applicable to by intermittently again please
Seek the credit authorisation to remaining remaining sum and any remaining remaining sum of two level Credit Provider is owed to by consumer to assure again.It is described
Money shift module can be further adapted for when assuring again remaining remaining sum, and one-level Credit Provider according to appointing in advance for request
The amount of money currently paid is transferred to two level Credit Provider by fixed refund clause (such as monthly paying) from consumer.
According to certain embodiments of the present invention, above-mentioned guarantee again and money transfer cycle can be re-executed, directly
Two level Credit Provider is transferred to all remittances for the proceeds.In the case of guarantee failure again, the money shift module
It can be further applicable to based on the credit guarantee that last time performs before, request one-level Credit Provider will be all more than residue
Volume is transferred to financier (for example, two level Credit Provider) from consumer.
According to the further embodiment of the present invention, the guarantee module goes in buyer/cash withdrawal
Before person pays monthly payment plan every time while or immediately (credit guarantee i.e. before each [send out by time or action after which
Rise] expire before/while/after), again guarantee owe pay two level Credit Provider remaining remaining sum some or all, so as to
Reduce or minimize the risk of uncollectible fund.
According to certain embodiments of the present invention, the partial payment of tranaction costs can be from one-level Credit Provider or direct
Received from the buyer of commodity or service.According to certain embodiments of the present invention, in guarantee failure again, two level credit carries
Donor can receive whole remaining sums from one-level Credit Provider and pay.
According to certain embodiments of the present invention, the partial payment received by two level Credit Provider can be one group equal
One of partial payment or one of one group of partial payment not etc..The amount of money size of the payment received and time can be according to pre-
The payment schedule of definition determines, in addition, partial payment be substantially equal to the amount of money of financing plus financing reward divided by
The payment times that will be carried out.
According to certain embodiments of the present invention, the repetitive cycling assured again can be started, wherein each circulation can be with
Including：The guarantee again of remaining remaining sum；And the clause agreed in advance according to consumer, ask current payment being transferred to two level
Credit Provider's (such as the line of credit of consumer is supplied to by one-level Credit Provider).
According to certain embodiments of the present invention, all remittances for the proceeds be transferred to the two level Credit Provider it
Afterwards, the repetitive cycling can terminate.If again guarantee failure, the two level Credit Provider can be based on before last
The credit guarantee of secondary execution, ask one-level Credit Provider by the remaining balance transfer of whole from the consumer to it.
According to certain embodiments of the present invention, the expense of transaction is assured by data network and/or carried on a shoulder pole again
Protecting can be formed by sending credit request and receiving credit authorisation.According to certain embodiments of the present invention, between partial payment
Having a rest to receive can also include receiving the finance charge related to transaction and/or receive brokerage charges.
According to some embodiments, it may ask to authorize using the different cycles, and request is from one or more
The payment of one-level Credit Provider.The common cycle is probably the monthly cycle, still, if it is desired, may be because of any original
It is thus different.The cycle that request authorizes can be such as 25 (25) days.
For example, the cycle that request is paid can be one month.Demonstration is as follows：
1. if purchase occurred March 1, and authorize requested March 1 and be received.
Assure and authorized again 2. can request that March 25.Pay requested April 1 and be received.With this
Kind of mode, if request mandate is rejected, will retain and adopted remedial measures over other 5 days, for example, repetitive requests mandate and/
Or another credit card of requesting consumption person.If there is power failure or other serious behaviors, the sufficient time may be remained with, because
It is typically temporary transient for such obstacle.
It may ask within 19 days 3.4 months to assure and authorized again.Paid May 1 requested and be received.
It may ask within 14 days 4.5 months to assure and authorized again.Paid June 1 requested and be received.
It can request that within 8 days 5.6 months and assure and authorized again.Paid July 1 requested and be received.
It may ask within 3 days 6.7 months to assure and authorized again.August pays requested on the 1st and is received.
It may ask within 28 days 7.7 months to assure and authorized again.(pay attention to：Request in this step without payment).
It can request that within 22 days 8.8 months and assure and authorized again.September pays requested on the 1st and is received.
It may ask within 16 days 9.9 months to assure and authorized again.Paid October 1 requested and be received.
It may ask within 11 days 10.10 months to assure and authorized again.Paid November 1 requested and be received.
It may ask within 6 days 11.11 months to assure and authorized again.Paid December 1 requested and be received.
It may ask within 20 days 12.12 months to assure and authorized again.Paid January 1 requested and be received.
It may ask within 4 days 13.1 months to assure and authorized again.Pay within 1 day 2 months requested and be received.
It may ask within 29 days 14.1 months to assure and authorized again.(pay attention to：Request of this step without payment).
It may ask within 22 days 15.2 months to assure and authorized again.Paid March 1 requested and be received.
It may ask within 18 days 16.3 months to assure and authorized again.Paid April 1 requested and be received.
It may ask within 13 days 17.4 months to assure and authorized again.Paid May 1 requested and be received.
Therefore, in such an example, only dual-license could occur in last 5 (five) day authorized at 30 days.Very
May be authorized in 25 days will delete from the record of one-level Credit Provider.
In the above example, the progress of current mandate and effective mandate at present always have the difference of 5 days between expiring
It is different/overlapping.This 5 days time (in this illustration) ensures：(i) in the case where refusing to authorize, the time for having abundance takes
Remedial measure, such as：Guarantee is reattempted to, another guarantee source (i.e. another one-level line of credit, example are found by it with trade connection
Such as the another card of client, or the card of any other people and/or entity, have before this individual/entity
Or current approval)；(ii) in power failure/blackout or the system in the present invention or the external system related to its function
Occurs any other catastrophic failure in (such as communication system) in most cases, 5 day time was to fill for upper electricity
Foot；(iii) just in case the large-scale hacker/Malware/network attack of generation or in house software failure (may be with inside or outer
Portion's event about) (such as bug 2K in 2000)；(iv) any other internally and/or externally event.It should be understood that 5 days
Time is exemplary and can be similarly 3 days, 4 days, 2 days, 5 hours etc..Previous sub-authorization is can be embodied in expire
Any time section before.Such period can include the necessary time phase buffer depending on situation.
According to further embodiment, system can allow the cycle that adjustment pays and authorized, so that front reply can
The threat of energy.According to other embodiment, such payment and authorization cycles can be dynamically adjusted in the case where there：Perceive
To different or additional threats；The request proposed in response to the side in each side (consumer/businessman/two level Credit Provider)；
And/or the change in response to government or the supervision environment of quasi-government organization, by main one-level credit system or any other reality
Body dynamic adjusts such payment and authorization cycles.
According to certain embodiments of the present invention, two level Credit Provider may be adapted to processing because product or service do not carry
Returned for, reasonable ground or for provable partly or entirely purchase or the financing reward returned to buyer and/or other each side
Any other reason and program is refused to pay in cancelling the order for starting.Two level Credit Provider can be further applicable to obtain and " cancel the order and refuse
Pay " trade detail, and correspondingly by the whole purchase amount of money or the part of the amount of money can be bought charge to businessman.In debit gold
Outside volume, it can order one-level Credit Provider return or otherwise return the part of the prepaid amount of money of buyer
Or all, and buyer not yet pays the part or all of of its amount of money.
According to certain embodiments of the present invention, the system goes for external coordination or can allow or cause
Any consumer, Credit Provider, businessman, credit card assignee, credit card issuer, instalment trade organizer or its
Other people one or more independent outside or inside entities can be cooperated, to promote monthly payment plan method as described herein.
In addition, the system may be adapted to allow to finance (for example, by outer using the outside of these instalment trades or modularization
Portion/third party/two level Credit Provider), and one or more two level financing by credit sources therefore can be enabled, and/or from
Different businessman extracts cash, and this is probably or may not be exclusively for such service customization, and is probably
Or may not be the financing entity of debit transactions.
According to certain embodiments of the present invention, payment plan can be changed and consumer is customized, for example, pushing away
Slow down payment, according to the good scheduled plan of consumer's agreement change repayment schedule and more.According to some implementations
Mode, any time that can be after reaching an agreement with consumer change payment plan to adapt to the current demand of consumer.
According to some embodiments, this modification of payment plan can be predetermined function, or can be due to some external factor
Predetermined function (such as the prime rate of loan changes) and occur.
According to further embodiment, consumer can prepay whole unpaid balances or part payment unpaid balance-
In this case, his Payment Plan can in several ways in one or more modify, including：Reduce at least one
A little serial amount of money, reduce serial number etc..
According to certain embodiments of the present invention, if current pay is rejected, branch can be received from different sources
Pay and/or assure, such as the attachment card from consumer or other people or the entity from the request for following consumer.
According to certain embodiments of the present invention, transaction can be provided with funds by businessman rather than outside investor,
I.e. businessman can serve as two level Credit Provider.
According to certain embodiments of the present invention, transaction funds can several debt collectors (for example, businessman, fund main body,
Clearing main body or any other main body) between distribute.
According to certain embodiments of the present invention, the first payment of lease or mortgage loan can be by passing through systems buying
Or first payment expense is divided into monthly payment plan (all or part) when renting such as automobile, ship, house and more articles
Provide with funds.This mode of providing with funds of the first payment can be provided by any one-level Credit Provider.
According to certain embodiments of the present invention, the system can be used on easy terms offering loans, the loan
Money can be directly by being collected, directly to the bank account of consumer by consumer for the credit card or debit card monthly paid the bill
Or any other method.This credit (such as can pass through credit card issuer, credit by one-level creditor as described herein
Cooperative society or bank, non-banking credit card issuer) assured.
According to certain embodiments of the present invention, consumer can make out a bill family in systems, and wherein they can update attached
Add the details of credit card, so as to system by it is ongoing authorize/guarantee and actual receipt on account be according to the instruction of consumer again
Or the formula in system divides between different cards, or according to credit Card Type (platinum card is prior to gold card etc.) divide risk and
The chance of increase approval transaction.
According to certain embodiments of the present invention, if one of guarantee or procedure of collection again from the first card are being consumed
The duration in the financing period of person has been rejected, then family of making out a bill can enable a system to automatically ask from consumer account
In another card for listing assure or ratify receipt on account again.
According to certain embodiments of the present invention, system can know how to perform transaction by specifically blocking, or will
It is divided between multiple cards that consumer may register in its account, so as to the instruction according to consumer or
According to the decision of system, can maximize to the interests of consumer (for example, collecting airline miles, amortization cost (such as cash
Return etc.)) mode maximize the consumer's interests being present in different cards.
According to certain embodiments of the present invention, consumer can be by buyer's account in system to all existing friendships
Easy progress re -financing/assure again, merge or divide some or all of different transaction remaining remaining sum.
According to certain embodiments of the present invention, an automatic system can be created, by the fund of external entity several
Divided between individual financing main body (simulation fund group), and existed according to the predetermined module treated and financing main body is decided through consultation
The distribution of fund between main body, and by the mandate of one-level credit investor relative to the risk in transaction and their payment on terms
The degree of fund is associated with financing main body.
According to certain embodiments of the present invention, system can divide vouch-for request according to algorithm, and the algorithm can make
It is higher (for example, by the way that a vouch-for request is divided into two to obtain the possibility ratified during guarantee：One is used to deal with
Monthly payment plan and one be used for remaining amount of money).
According to further embodiment, above-mentioned guarantee and the system and method assured again can be used for consumer/visitor
Family/user provides third-party deposit/guaranty/bond/gage.Presented in the flow chart labeled as Figure 13 according to this
The example process of offer deposit/gage of some embodiments of invention.As can be seen that deposit/mortgage from flow chart
The amount of money (including financing reward (such as interest, commission, any other additional reward) and possible fine) of thing/bond/gage
Can be directed to is supplied to the line of credit of consumer to be assured by one-level Credit Provider (such as credit card company).Issuing
While deposit/guaranty/bond/gage or before, financier (for example, two level Credit Provider) can be to one-level credit
Supplier (or one group of one-level Credit Provider) asks the credit authorisation of the amount of money of deposit/guaranty/bond/gage.Financing
Side can shift actual funds as deposit to third party, and/or only can pass on the promise of repayment to third party or cash
Fund is shifted in the case of gage.
Expired due to each credit authorisation in predetermined time period or based on some action, so two level credit carries
Donor can assure any remaining remaining sum of gage again by the credit authorisation of intermittently re-request residue remaining sum.Letter
Borrowing mandate can perform before preceding sub-authorization expires, such as to eliminate the not guaranteed any time section of fund.
According to certain embodiments of the present invention, financier (for example, two level Credit Provider) can be based on believing in two level
The repayment clause decided through consultation between supplier and consumer/customer/user is borrowed to one-level Credit Provider or consumer/client/use
Ask to have issued the partial payment of gage in family.In the case of no intermittent refund, gage can also be kept so that
Previous sub-authorization is assured original amount again before expiring.
In the case where guarantee failure again occurs, last time performs before the two level Credit Provider can be based on
Credit authorisation, request one-level Credit Provider give the remaining balance transfer of whole from consumer to it.According to the present invention's
Further embodiment, can be from different sources for example before asking to shift full amount from one-level Credit Provider
Load is attempted from the other one-level Credit Provider of consumer or from the another person or entity for being ready to provide its line of credit
Protect.In addition, in the case where cashing gage/bond/guaranty, third party can be by two level Credit Provider according to gage
Clause pay he/her have the right obtain the amount of money.Two level Credit Provider can pay to customer/customer requests in turn
/ confiscating/amount of money for the gage closed down.If client/consumer can not or not repay prepaid/confiscate/close down
The amount of money, then two level Credit Provider can be according to nearest credit guarantee/assure again to one-level Credit Provider and ask for gold
Volume.
According to some embodiments, the guarantee agreement assured by two level Credit Provider can include being used to cash guarantee
Clause, such as can require that third party corrects the chance of mistake/infringement to consumer/customer notification and/or to consumer/client
To prove to cash guarantee.Or, it may be required that third party is lodged a proof or alternative document is assured with cashing.In this case,
Two level Credit Provider can require that third party submits relevant evidence/file before payment/release guarantee, all according to guarantee
Agreement in agreement and/or implemented according to two level Credit Provider, and/or implemented based on its policy.
For example, point of sale (POS) software provider of point of sale is also provided for its software may usually require to its client
Hardware guarantee.As described herein, POS software providers or its client can contact two level Credit Provider, with offer pair
Deposit/gage of hardware, to replace common deposit.Two level Credit Provider can provide deposit/gage, be directed to simultaneously
By one or more one-level Credit Providers be supplied to one or more lines of credit of client/consumer come to deposit/
The amount of money of gage is assured.Before the credit authorisation from one-level Credit Provider expires, two level Credit Provider can
To assure unpaid guarantee balance again, such as to eliminate the not guaranteed any time section of fund.Lost guarantee again occurs
In the case of losing, the two level Credit Provider can ask one-level credit based on the credit guarantee that last time performs before
All remaining remaining sums are transferred to it by supplier from consumer.
According to some embodiments, request to two level Credit Provider or can be by with interacting for two level Credit Provider
The third party of application for bail initiates and/or performed.In other words, it is desirable to which the side for obtaining the guarantee of consumer can oneself contact
Two level Credit Provider, the details of the one-level Credit Provider of the consumer and related account details are transferred to
Two level Credit Provider, and ask two level Credit Provider to provide the guarantee.As described herein, two level Credit Provider again may be used
To assure the amount of guarantee to one-level Credit Provider, and after being assured to one-level Credit Provider, provided to requesting party
Guarantee.Then, two level Credit Provider can continue to assure the amount of money of gage again to one-level Credit Provider.
According to further embodiment, above-mentioned guarantee and the system and method assured again can be used for consumer/visitor
Family/user provides deposit/gage of service, and it needs deposit/gage from some or all clients, to receive
Service and/or relevant device (such as cell phone service, wired/satellite TV etc.), may with use/lease/taxi/
Buy and be combined with the related hardware/equipment (for example, smart mobile phone, satellite antenna etc.) of service.In the flow labeled as Figure 26
The example process of deposit/gage of offer service according to certain embodiments of the present invention, the clothes are provided in figure
Business requires deposit/gage from some or all clients to receive service.From flow chart as can be seen that deposit/
The amount of money (including financing reward (such as interest, commission, any other additional reward) and possible fine) of gage can be directed to
The line of credit provided the consumer with by one-level Credit Provider (such as credit card company) is assured.In distribution deposit/load
While the subject matter insured or before, financier (such as two level Credit Provider) can be to one-level Credit Provider (or one group of one-level letter
Borrow supplier) request deposit/gage the amount of money credit authorisation.Financier can be using actual funds as deposit/gage
ISP is transferred to, and/or only can pass on the promise of repayment to ISP or cash gage/deposit
In the case of shift fund.
According to some embodiments, it is necessary to which deposit/gage from some or all clients is to receive service
The deposit of service covers/gage can be used for guarantee/service charge of the service (for example, monthly cell phone usage charges, satellite
Service charge etc.) and/or the hardware/equipment relevant with service (for example, smart phone, satellite antenna etc.) expense.
Expired due to each credit authorisation in predetermined time period or based on some action, so two level credit carries
Donor can assure any remaining remaining sum again by the credit authorisation of intermittently re-request residue remaining sum.Each credit is awarded
Power can perform before previous sub-authorization expires, such as to eliminate the not guaranteed any time section of fund.
According to certain embodiments of the present invention, financier (for example, two level Credit Provider) can be based on believing in two level
The refund clause decided through consultation between supplier and consumer/customer/user is borrowed to one-level Credit Provider or consumer/client/use
Ask the partial payment of issued gage in family.Gage can also be kept in the case of no intermittent refund so that
Original amount is constantly assured again before previous sub-authorization is expired.
In the case where guarantee failure again occurs, two level Credit Provider can ask one-level Credit Provider to be based on it
The credit authorisation that preceding last time performs, the remaining remaining sum of whole is transferred to it from consumer.According to the further of the present invention
Embodiment, ask from one-level Credit Provider shift full amount before, can be from different sources for example from consumption
The other one-level Credit Provider of person attempts guarantee from the another person or entity for being ready to provide its line of credit.This
Outside, in the case where cashing deposit/gage, ISP can be by two level Credit Provider based on deposit/gage
Clause pays the amount of money that he/her has the right to obtain.Two level Credit Provider can pay to customer/customer demand in turn
/ confiscating/amount of money of deposit/gage for closing down.If client/consumer can not or not repay prepaid/confiscate/
The amount of money closed down, then two level Credit Provider can based on nearest credit guarantee/assure to one-level Credit Provider and ask for again
The amount of money.
According to some embodiments, the deposit assured by two level Credit Provider/gage agreement can include being used to convert
The clause now assured, for example, ISP may be required to notify consumer/customer and/or make consumer/customer have an opportunity
Mistake/infringement is corrected, to prove to cash deposit/gage.Or ISP may be required to lodge a proof or other texts
Part, to cash deposit/gage.In this case, two level Credit Provider may payment/release deposit/gage it
Before require ISP submit relevant evidence/file, all according to the agreement in deposit/gage agreement and/or according to two
Level Credit Provider is implemented, and/or implemented based on its policy.
According to some embodiments, client can be asked to need deposit/gage from some or all clients
Provided with funds to receive deposit/gage of the service of service., can be by ISP according to further embodiment
Ask/lead to need deposit/gage from some or all clients to receive deposit/guarantee of the service of service
Product are provided with funds/assured.In other words, instead of asking deposit by client, previous demand is from some or all clients
Deposit/gage can ask the line of credit of one-level Credit Provider offer to client now to receive the ISP of service
The details of degree, and using the service of two level Credit Provider as described herein or by performing guarantee as described herein and carrying on a shoulder pole again
Protect, come guarantee services expense and/or relevant device/hardware costs.
For example, the Cellular Service Providers that smart mobile phone/tablet personal computer is also provided to its client generally may require coming from
Its client's is used for hardware and/or gage/deposit of service.Cellular Service Providers or its client can contact two level credit
Supplier, as described herein, deposit/gage is provided for equipment and/or service fee, this is instead of normal deposit.Two level
Credit Provider can provide deposit/gage, at the same for by one or more one-level Credit Providers be supplied to client/
One or more lines of credit of consumer are assured the amount of money of deposit/gage.From one-level Credit Provider
Credit authorisation expire before, two level Credit Provider can assure unpaid guarantee balance again, such as to eliminate fund not
Guaranteed any time section.In the case where guarantee failure again occurs, before the two level Credit Provider can be based on
All remaining remaining sums are transferred to it from consumer and/or can by the credit guarantee request one-level Credit Provider that last time performs
With cancellation/the reduce guarantee (for example, causing ISP to stop offer service).In other words, principle of the invention can be with
It is used to replace their client to receive equipment/hardware of service and/or correlation and uses and come from one-level Credit Provider
Deposit/load for being provided to ISP of revolving credit mandate (guarantee again before being described herein as assuring and expiring)
The subject matter insured.
According to some embodiments, above-mentioned guarantee and the system and method assured again can be used for offer and immovable property
The associated guarantee fund of the lease in (for example, residence, apartment, house, shop, warehouse, workshop)/taxi contract and/or bond.Should
It should be appreciated that guarantee fund under this background may also include other gold that leaseholder needs to provide to the owner of property
Volume/gage (such as rent of first month and last month).Including financing reward (such as interest, commission, any other
Additional reward) and possible fine including guarantee fund and/or the amount of money of bond can be directed to one-level Credit Provider's (such as credit
Card company) to property leaseholder provide line of credit assured.Issue guarantee fund and/or while bond or it
Before, financier (for example, two level Credit Provider) can ask to one-level Credit Provider (or one group of one-level Credit Provider)
Guarantee fund and/or bond (financing reward (such as interest, commission, any other additional reward) and possible fine may be included)
Credit authorisation.Financier can using actual funds as guarantee fund and/or bond be transferred to property the owner and/or can be only
The owner of the promise to property of repayment is pass on, or fund is shifted in the case where cashing gage.
Expired due to each credit authorisation in predetermined time period or based on some action, so two level credit carries
Donor can assure any remaining remaining sum of gage again by the credit authorisation of intermittently re-request residue remaining sum.Letter
Borrow mandate can it is upper once authorize expire before perform, such as to eliminate the not guaranteed any time section of fund.
If guarantee failure again, the two level Credit Provider can be awarded based on the credit that last time performs before
All remaining remaining sums are transferred to it by power, request one-level Credit Provider from leaseholder.According to the further implementation of the present invention
Mode, can be from different sources for example from the another of leaseholder before asking to shift full amount from one-level Credit Provider
Outer one-level Credit Provider attempts guarantee from the another person (or how personal) or entity for being ready to provide its line of credit.This
Outside, in the case where cashing guarantee fund and/or bond, third party can be believed based on the clause of guarantee fund and/or bond by two level
Borrow supplier and pay the amount of money that he/her has the right to obtain.Two level Credit Provider again can from leaseholder require it is prepaid/confiscate
/ guarantee fund that closes down and/or bond.If leaseholder can not or not repaid prepaid/confiscating/amount of money closed down, two
Level Credit Provider can based on nearest credit guarantee/assure again to one-level Credit Provider and ask for the amount of money.
According to some embodiments, the Tenancy Agreement assured by two level Credit Provider can include being used to cash guarantee fund
And/or the clause of bond, for instance, it may be required the owner of property notifies to leaseholder and/or rights the wrong/damage to leaseholder
Harmful chance is to prove to cash guarantee fund and/or bond.Or the owner of property may need to lodge a proof or alternative document
To cash guarantee fund and/or bond.In this case, two level Credit Provider can require before payment/release guarantee
The owner of the property submits relevant evidence and/or file, is all carried according to the agreement of guarantee agreement and/or according to two level credit
What donor was implemented, and/or implemented based on its policy.
According to some embodiments, this guarantee fund's service and/or guarantee fund's guarantee services can be used as individually service straight
Meet the owner for being supplied to leaseholder and/or property and/or provided by real estate agency or online real estate service/list.
For example, leasing market is (for example, craigslistTM) can provide a user online service guarantee fund as described above service and/
Or guarantee fund's guarantee services.According to other embodiment, two level Credit Provider can backstage to On-line Rents market and/
Or real estate agency provides financing and/or guarantee services.According to other embodiment, On-line Rents market and/or real estate generation
Reason can simply with reference to or be otherwise coupled to leaseholder/property owners and two level Credit Provider (from a side or
Both sides collect or not collected commission/reward).Obviously, a two level Credit Provider can be to more than one On-line Rents city
Field and/or real estate agency provide this service, and can further stamp brand in this field.
Referring now to Figure 14.According to some embodiments, above-mentioned guarantee and the system and method assured again can be used for
Pair rent branch related to lease/taxi contract of immovable property (for example, residence, apartment, house, shop, warehouse, workshop)
Pay and assured.It should be understood that such guarantee can supplement, replacement and/or part replace above-mentioned pair and lease/taxi
The associated guarantee fund of contract and/or the financing of bond.In this case, the systems and methods can be used for according to rent
Rent/lease of the given number of taxi contract guarantee pays (such as 3 rent per months, 6 rent per months, 1 annual rent, whole leasing period
Deng).According to certain embodiments of the present invention, there is provided the example process of the guarantee of payment of hire is in the flow labeled as Figure 14
Presented in figure.From flow chart as can be seen that assured payment of hire the amount of money (including financing reward (such as interest, commission,
Any other additional reward) and possible fine) can be for being supplied to by one-level Credit Provider (such as credit card company)
The line of credit of lease of property person is assured.While the guarantee of payment of hire is ratified or before, financier's (such as two level
Credit Provider) can be to the amount of money of the payment of hire of one-level Credit Provider (or one group of one-level Credit Provider) application for bail
The credit authorisation of (financing reward (such as interest, commission, any other additional reward) and possible fine may be included).
Expired due to each credit authorisation in predetermined time period or based on some action, so two level credit provides
Person can assure any surplus of the payment of hire assured again by the credit authorisation of intermittently re-request residue remaining sum
Remaining sum.Credit authorisation can perform before previous sub-authorization expires, such as to eliminate the fund not guaranteed any time
Section.Therefore, amount of guarantee (such as in the case where whole leasing period obtains guarantee) can subtract when carrying out payment of hire every time
It is few, or keep constant within whole leasing period so that any time point rent branch of ensuing X months during the leasing period
Pay and assured by two level Credit Provider.If leaseholder non-payment rent, guarantee can be cashed to cover payment of hire, until
Leaseholder is retracted house, or payment or rent again, and/or any other infringement that covering owner can suffer from.
If guarantee failure again, the two level Credit Provider can be awarded based on the credit that last time performs before
All remaining remaining sums are transferred to it by power, request one-level Credit Provider from leaseholder.According to the further embodiment party of the present invention
Formula, ask from one-level Credit Provider shift full amount before, can from different sources for example from leaseholder in addition
One-level Credit Provider or attempt guarantee from the another person (or more people) or entity for being ready to provide its line of credit.In addition,
In the case where cashing guarantee fund and/or bond, the owner of property can be based on lease/taxi by two level Credit Provider and close
Same clause pays the amount of money that he/her has the right to obtain.Two level Credit Provider may require the payment of hire of leaseholder in turn
The amount of money.If leaseholder or can not repay Payment Amount, two level Credit Provider can be based on nearest credit guarantee/weight
New assure to one-level Credit Provider asks for the amount of money.
According to some embodiments, such lease guarantee service can be supplied directly to property as single service
Leaseholder and/or the owner and/or pass through real estate agency or online real estate service/list provides.All as described above for rent
Rent described in contract money, there is related modification.Obviously, a two level Credit Provider can be to more than 1 online rent
Rent market and/or real estate agency provides this service, and brand can also be stamped in this field.
According to some embodiments, above-mentioned guarantee and the system and method assured again can be used for assuring point-to-point loan.
The amount of the loan or one part (including financing reward (such as interest, commission, any other additional reward) and possible fine) can
To be assured for the line of credit that one-level Credit Provider (such as credit card company) provides to creditor.In guaranteed loan
While or before, guarantee side (for example, two level Credit Provider) can (or one group of one-level credit carries to one-level Credit Provider
Donor) the application for bail amount of money (may include financing reward (such as interest, commission, any other additional reward) and possible penalize
Gold) credit authorisation.If creditor does not return loan by agreement, financier can pass on repayment or transfer to people is lent
The promise of fund.
Expired due to each credit authorisation in predetermined time period or based on some action, so two level credit provides
Person can assure the credit authorisation of remaining remaining sum any remaining loan balance again by intermittently re-request.Credit
Mandate can perform before previous sub-authorization expires, such as to eliminate the not guaranteed any time section of fund.
In the case where guarantee failure again occurs, last time performs before the two level Credit Provider can be based on
Credit authorisation, all remaining remaining sums are transferred to it by request one-level Credit Provider from creditor.Enter one according to the present invention
The embodiment of step, can be from different sources for example from loan before asking to shift full amount from one-level Credit Provider
The other one-level Credit Provider of money people attempts from the another person (or more people) or entity for being ready to provide its line of credit
Guarantee.In addition, once fail according to agreement return loan, lend people can the clause based on Loan Agreement, carried by two level credit
Donor pays its amount of money for having the right to obtain.Two level Credit Provider may require the amount of money of payment to creditor in turn.Borrowing
In the case that money people or can not repay institute's payment, two level Credit Provider can based on nearest credit guarantee/again
Assure to one-level Credit Provider and ask for the amount of money.
According to some embodiments, the Loan Agreement assured by two level Credit Provider can include being provided by two level credit
The clause of person's encashment credit guarantee, for example, lending, people may be required call loan people and/or the people that offers a loan corrects promise breaking and borrowed
The chance of money agreement.Or lend people and may need to lodge a proof or alternative document, with the guarantee of encashment credit.In this feelings
Under condition, two level Credit Provider may require that lending people submits relevant evidence and/or file, these wholes to press before payment
Agreement according to Loan Agreement and/or implemented according to two level Credit Provider, and/or implemented based on its policy.
According to some embodiments, this loan guarantee service can be used as single service to be supplied directly to point-to-point arrangement
In creditor and/or lend people and/or provided via point-to-point debt-credit service/market.For example, point-to-point loan market (example
Such as, fundingcircle.comTM) online service loan guarantee service as described above can be provided a user.According to other
Embodiment, two level Credit Provider can be provided with funds on backstage to point-to-point loan market and/or guarantee services.According to it
Its embodiment, point-to-point loan market can simply associate (refer) or be otherwise coupled to lending people/creditor
With two level Credit Provider (obtaining commission/reward with and without from one or both).Obviously, a two level Credit Provider
This service can be provided to more than 1 point-to-point loan market, and brand can also be stamped in this field.
In Fig. 5-12, the example system for being used to promote transaction according to some embodiments of the present invention is shown
Various exemplary one-level Credit Providers assure scene.
In fig. 5 it is shown that exemplary two benches scene according to certain embodiments of the present invention, wherein one-level credit
Supplier authorizes both following：The initial guarantee of whole dealing money, and subsequent remaining transactions balances total value.
In fig. 6 it is shown that exemplary two benches scene according to certain embodiments of the present invention, wherein the 1st
Level Credit Provider does not authorize the initial guarantee of whole dealing money and subsequent remaining transactions balances total value.Lost in every sub-authorization
When losing, two level Credit Provider, which contacts with, authorizes the second one-level Credit Provider assured (for example, the two level credit in consumer carries
Listed in consumer's record/data of donor).
In fig. 7 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein the first one-level credit carries
Donor only authorizes 50% guarantee of dealing money.In the whole dealing money of unauthorized, two level Credit Provider, which contacts with, to be authorized
The guarantee of remaining dealing money the second one-level Credit Provider (such as consumer two level Credit Provider consumer note
Listed in record/data).
In fig. 8 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein two level Credit Provider
Inquire guarantee and first one-level Credit Provider of the first one-level Credit Provider to dealing money tender guarantee details (such as
5% commission).Then, two level Credit Provider inquires guarantee of the second one-level Credit Provider to dealing money, and second
One-level Credit Provider tenders guarantee details (such as 2% commission).The preferred stripe provided due to the second one-level Credit Provider
Money, two level Credit Provider goes to (proceed to) and uses its guarantee transaction, rather than uses the first one-level Credit Provider
Guarantee.
In fig. 9 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein businessman are one-level credits
Supplier.Two level Credit Provider to merchant request and receives guarantee mandate based on it for the mandate that the transaction is provided with funds.
In fig. 10 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein businessman are two level letters
Borrow supplier and inquire which one-level Credit Provider he is desirable for (for example, the two level credit in consumer carries to consumer
Listed in consumer's record/data of donor) assured.Receiving preferred one-level Credit Provider of the consumer to him
During the selection of (such as second one-level Credit Provider), the one-level Credit Provider that two level Credit Provider is continuing with selection enters
Row guarantee.
In fig. 11 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein consumer is by adding
Add one-level Credit Provider (the 4th) and remove another (second) to update record/data of his two level Credit Provider.
In fig. 12 it is shown that exemplary scenario according to certain embodiments of the present invention, wherein consumer are by asking
The All Activity more than 100 dollars by the guarantee of specific one-level Credit Provider (4th) is asked to be provided to update its two level credit
Record/data of person.Therefore, the amount of money will be forwarded to other one-levels Credit Provider (the no more than 100 dollars of subsequent transaction
First, second or the 3rd；For the first) under this example, and subsequent transaction of the amount of money more than 100 dollars is then given consumer and specified
Specific one-level Credit Provider (under this example be the 4th).
According to some embodiments, system described herein can be organized and be configured to " cloud " or partly by tissue and
It is configured to " cloud ".
Referring now to Figure 16.According to some embodiments, as described herein, two level Credit Provider can use herein
The guarantee of description and the system and method assured again are come to the debt for possessing payable by installment, (such as purchase businessman answers receipt on account
Money) businessman and/or its other party provide monthly payment plan clearance type of service.Basis is presented in the flow chart labeled as Figure 16
The example process that " monthly payment plan is cleared " (NPV) is provided to businessman of some embodiments of the present invention.Can from flow chart
To find out, two level Credit Provider can provide pays the amount of money of deficient businessman/its other party to businessman/its other party when preceding, and works as
It is preceding on easy terms, i.e., net present value (NPV) (NPV) or one part (for example, NPV less brokerages/reward) pay businessman/its
Other party.The service can depend on successful credit authorisation of the one-level Credit Provider for the amount of money of interest of debt side.
After one or more one-level Credit Providers of debt side carry out successful credit authorisation to the amount of money of interest, two level credit carries
Donor will can merchandise and/or NPV subtract the amount of money of any reward/commission and hop/pay in advance businessman/its other party.According to this hair
Some bright embodiments, the repetition period assured again can be initiated as described above, wherein each cycle can include：It is remaining
The guarantee again of remaining sum；And based on the clause that consumer agrees in advance, ask current to pay and be transferred to two level credit and provide
Person's (for example, the line of credit of consumer is supplied to by one-level Credit Provider).
According to certain embodiments of the present invention, all remittances for the proceeds be transferred to the two level Credit Provider it
Afterwards, the repetition period can terminate.If again guarantee failure, the two level Credit Provider can be based on before last
The credit guarantee of secondary execution, request one-level Credit Provider by the remaining balance transfer of whole from the consumer to it.Credit
Mandate can perform before previous sub-authorization expires, such as to eliminate the not guaranteed any time section of fund.As described above,
Generally, two level Credit Provider can be made up of two or more entities in this scene, one of them or
More entities are provided with funds, and individually entity provides and performed the guarantee of fund and assures again.
According to some embodiments, as described in this article, two level Credit Provider can use load described herein
The system and method protected and assured again are related to for payment early stage (for example, public utilities are paid, club/service to provide
Membership, license, software license, public/private transportation passes or any other be early stage pay the bill discount offered (or its
He encourage) transaction) discount (or other excitations) transaction financing.It is related to discount (or its separate excitation for payment early stage
Encourage) particular transaction consumer/party concerned, its can not pay or be not intended to provide early stage payment, it is desired that enjoy pay
The discount (or other excitations) of advanced charge, the fund of payment early stage can be obtained from two level Credit Provider, to exchange reward for
Or a part for discount is (similarly, it is desirable to which the service or organ of power for receiving payment in advance (are paid in such as public utilities
In the case of) supplier/supplier, before being received using the service or method of two level Credit Provider as described herein
Phase is paid the bill, and requestee is paid with paying by instalments).The letter of consumer/requestee is being supplied to for one-level Credit Provider
In the case that loan amount is successfully assured payment, two level Credit Provider can provide payment early stage and with monthly payment plan
Mode the refund of the amount of money is received from consumer/requestee, while maintain for one-level Credit Provider be supplied to consumer/
The line of credit of requestee is assured the whole of any remaining remaining sum.Presented in the flow chart labeled as Figure 25 according to this hair
The example process of the offer " payment early stage fund " of some bright embodiments.As can be seen that two level credit from flow chart
Supplier can provide payment early stage for the transaction for being related to the discount (or other excitations) for payment early stage.The service can take
Successful credit authorisation certainly in one or more one-level Credit Providers using paying party to the amount of money of interest.Once payment
One or more one-level Credit Providers of side carry out successful credit authorisation to the amount of money, and two level Credit Provider can be with
Hop/prepay and subtract payment early stage of the deserved any reward/commission of payee.According to certain embodiments of the present invention, may be used
To initiate the repetition period assured again as described above, wherein each cycle can include：The guarantee again of remaining remaining sum；And
The clause arranged in advance based on requestee, is asked current to pay and is transferred to two level Credit Provider (such as by one-level credit
Supplier is supplied to the line of credit of consumer).
According to certain embodiments of the present invention, all remittances for the proceeds be transferred to the two level Credit Provider it
Afterwards, the repetition period can terminate.In the case where guarantee failure again occurs, the two level Credit Provider can be based on
The credit guarantee that last time performs before, request one-level Credit Provider all remaining remaining sum will turn from consumer/requestee
Move on to it.Credit authorisation can perform before previous sub-authorization expires, such as to eliminate the fund not guaranteed any time
Section.As described above, generally, two level Credit Provider can be by two or more group of entities in this scene
Into one of them or more entity is provided with funds, and other entity provides and performed the guarantee of fund and assures again.
For example, the resident for one or more utilities expenses that some local authority pay a year and a day for those selections carries
For discount.In such city, two level Credit Provider can be provided for resident early stage payment service.Therefore, it is intended that before enjoying
Still the resident of payable by installment correlative charges can use the service of two level Credit Provider to phase payment discount simultaneously.Two level credit
Supplier can be that payment early stage is provided with funds, while be directed to one or more one-level Credit Providers provide to resident one
Individual or more line of credit is assured.Then, resident can amortize two level Credit Provider, and two level credit provides
Person is continuously supplied to one or more lines of credit of resident to any for one or more one-level Credit Providers
Remaining remaining sum is assured again.Certainly, in the case where any failure of guarantee again occurs, two level Credit Provider can be based on most
The credit guarantee closely performed, ask one or more one-level Credit Providers that all remaining remaining sums are transferred into it from resident.
Another example is probably regularly transportation passes (for example, rapid transit card, annual train pass etc.).It is public and
Personal transportation supplier usually from selects to buy multiple route and/or the regular pass (such as the year pass, moon pass etc.)
Passenger's discount offered.In this case, it is often necessary to pay the bill early stage multiple route and/or the regular pass.In this feelings
Under condition, two level Credit Provider can be to passenger's offer payment service early stage.Therefore, it is intended that enjoy payment early stage discount, simultaneously
Still the passenger of payable by installment correlative charges can use the service of two level Credit Provider.Two level Credit Provider can provide
Early stage pays the bill, while enters for one or more one-level Credit Providers to one or more lines of credit that passenger provides
Row guarantee.Then, passenger can amortize two level Credit Provider, and two level Credit Provider is continuously directed to by one or
More one-levels Credit Provider is supplied to one or more lines of credit of passenger to assure any remaining remaining sum again.When
So, in the case where any failure of guarantee again occurs, two level Credit Provider can be based on the credit guarantee performed recently, please
Ask one or more one-level Credit Providers by the remaining balance transfer of whole from passenger to it.
In such an example, payment service early stage can be supplied directly to resident/passenger by two level Credit Provider.Can
Alternatively (or combination) payment service early stage can be by municipal government or public work company/office (in the situation of Utilities Electric Co.
Under) or vehicle supervision department/company (in the case of transportation passes) arrangement, the two level Credit Provider on backstage may be used
Service, or resident/passenger is associated with two level Credit Provider.
In another example, can using similar system and process come pay include early stage pay the bill discount annual township
Village clubber qualification expense, or also provide the tuition fee of the academic institution of payment early stage discount.
According to some embodiments, two level Credit Provider can be provided to requestee/consumer early stage payment service, so
Requestee/the consumer can obtain the service of second service supplier afterwards, to enjoy related discount/excitation.According to entering one
The embodiment of step, two level Credit Provider can be to payee's offer payment services early stage that correlation is paid so that these sides
Monthly payment plan service can be supplied to their requestee, be paid so as to receive more early stages.For example, country club can
Country club offer is still provided to provide the service of two level Credit Provider for its member, while to pay by instalments
Payment early stage discount.
In another example, two level Credit Provider can conclude the transaction with municipality so that any on-line payment
His/her utility resident will be seen that a control element, and the control element is configured as by two level Credit Provider
The line of credit for being supplied to resident for one-level Credit Provider is provided with funds, to arrange its utility payment early stage.
It should be understood that because system and method described herein causes capital supply, person (two level Credit Provider) is several
The risk (due to guarantee of the one-level Credit Provider to fund and guarantee again) for losing its fund, the supplier are not faced
Very competitive reward and interest rate can be provided the fund service provided.
In addition, according to some embodiments, system described herein, which can be organized and be configured to perform, is used for the present invention
Described in method task beyond other tasks.
According to some embodiments, system described herein is organized and is configured to adapt to for personal and/or entity
On the one hand member alliance (affiliation program (s)), the personal and/or entity can organize the institute of this system
The person of having and/or the relation of operator, and on the other hand can organize businessman and/or consumer, and/or acquirer, and/or two
Level Credit Provider, and/or the relation of any other side.
In addition, such system can be designed to provide to each member of member alliance on the basis of needing to know
Personalized relevant information (for example, report).In addition, such system can have the module for being used for analyzing the information provided.This
The information that sample provides can be provided according to request and/or intermittently provided.Furthermore, it is possible to member alliance member provide on
Automatic signal/notice of the generation of the predetermined variation of correlated variables, factor etc. and/or some predefined events is (for example, SMS, electricity
Sub- mail).
Alliance may have the member of different stage, it means that the member of member alliance may be with the institute of such system
The person of having and/or operator's (1 grade) reach an agreement.1 grade of member may reach an agreement with other people and/or entity (2 grades).2
Level member may reach an agreement from different individuals and/or entity (3 grades).
The number of levels that this system can accommodate is actually unlimited.
It is personalized to be supplied to the remedial program of any special member of member alliance, and may be because of different feelings
Condition, event, case, factor and it is different, and can be calculated using various algorithms.
In some embodiments, system described herein can be organized to be accommodated and group based on various algorithms and factor
Knit promotion lottery ticket, bonus, reward, prize.Such lottery ticket, bonus, reward, prize can be directed to belong to following classification and/or
The interests of the group of following whole classifications separate and/or united organization, the classification are as follows：
- consumer
- businessman and/or its employee；
The member and/or its employee of-member alliance, and/or contacted with its people and entity；
- one-level creditor and/or its employee；
- two level creditor and/or its employee；
The individual of-other classifications and/or entity
According to some embodiments, system described herein can accommodate and organize various progressive jackpots, including but
It is not limited to：Progressive jackpots, chance event progressive jackpot etc.；Such progressive jackpot can be based on various algorithms and because
Element.In order to belong to the interests of the group of following classification and/or following whole classifications, such progressive award can be separated and/
Or jointly and/or part combination organize, the classification is as follows：
- consumer；
- businessman and/or its employee；
The member and/or its employee of-member alliance, and/or contacted with its people and entity；
- one-level Credit Provider and/or its employee；
- two level Credit Provider and/or its employee；
The individual of-other classifications and/or entity
Illustrative embodiments
In order to help the realization for illustrating system and method described herein, Figure 20-24 presents some implementations of the present invention
The exemplary commercial realization of mode, wherein：Figure 20-24 presents the exemplary commercial model of the principle based on the present invention：
Figure 20 presents exemplary normal purchase-transaction scene in the background of the invention.Numbering in figure represents：
1. dealer contracts with businessman and businessman's application is sent into two level Credit Provider；
2. businessman undergo agreement accept insurance (underwriting) program be approved for " two level Credit Provider " businessman into
Member
3. two level Credit Provider ratifies/refused the request as two level Credit Provider member of businessman
4. consumer wishes to buy commodity in retail shop, and it is desirable that per monthly payment
5. consumer ratifies consumer's disclaimer
6. businessman sends the transaction to two level Credit Provider
7. transaction is submitted to one-level Credit Provider by two level Credit Provider by processor
8. one-level Credit Provider ratifies transaction (all authorizing the amount of money)
9. two level Credit Provider ratifies the instalment trade of consumer
10. businessman gives goods to consumer
11. consumer pays the purchase to him in a manner of serial
Bank account of the transfer to businessman 12. processor will pay the bill, and the unpaid balance of consumer will pay with each
Money and reduce, payment to the last is paid for
13. two level Credit Provider will send a full set of reward form on last month reward to businessman, and will be sent to
His No. 4 until every month
14. two level Credit Provider will charge to the reward of last month at monthly No. 5 by ACH the account of businessman
15. at monthly 20 days, two level Credit Provider finance will charge to last month by ACH systems to dealer's account
Related reward
Figure 21 presents exemplary reimbursement in background of the present invention/cancel the order and refuse to pay transaction-SCP- scenes.Number table in figure
Show：
1. in some cases, consumer may have the right to return the commodity of purchase and bring back their money.It is required that
(claim) reimbursement (by agreed terms drive in purchase between businessman and consumer, i.e. reimbursement ensures) is may be from, or will
Ask may be from claiming bought commodity be not cancelling the order of being claimed of businessman refuse to pay (by about consumer in given time model
The credit card networking rule driving of right in enclosing).Refused to pay if cancelling the order, then credit card network is notified that businessman consumer
Refused to pay through initiating to cancel the order.Refused to pay or reimbursement gets the Green Light if cancelled the order, then businessman will need to return any overdue pay by stages
Leisurely item.
2. businessman will notify two level Credit Provider cancel to reimbursement/cancel the order to refuse to pay transaction related remaining untreated point
Phase pays the bill
3. two level Credit Provider will handle reimbursement/cancel the order and refuse to pay by two level Credit Provider system, and will cancel business
Remaining specific instalment plan in the account of family
4. two level Credit Provider will refuse to pay the amount of money for the reimbursement of specific product or service/cancel the order and send invoice, and
Send it to businessman
5. the reimbursement of consumer/cancel the order is refused to pay the amount of money according to its refund policy and gives back consumer by businessman
6. if carried out cash advance in transaction is refused to pay in the reimbursement handled or cancel the order, businessman is required small 24
When interior unpaid deposit remaining sum is returned into two level Credit Provider
Figure 22 presents exemplary guarantee fund's scene in background of the present invention.Numbering in figure represents：
1. dealer contracts with deposit claimant (DR) and DR applications is sent into two level Credit Provider
2.DR experience agrees to underwriting procedures, to be approved for two level Credit Provider member
3. two level Credit Provider, which ratifies/refused DR, turns into the request of two level Credit Provider member
4. deposit supplier (DP), which is desirable for two level Credit Provider system, is used for its deposit
5.DP ratifies DP disclaimers
6.DR sends the transaction to two level Credit Provider
7. transaction is submitted to one-level Credit Provider by two level Credit Provider by processor
8. one-level Credit Provider ratifies transaction (to the mandate of the deposit amount of money)
9. two level Credit Provider ratifies DP deposit transaction
10.DR provides commodity or service to DP
11. reward (depending on DR to determine) may be collected to DR or DP
12. at monthly 20 days, two level Credit Provider finance will be stored in last month by ACH systems to dealer's account
Related reward.
13. another example：
13.1DP may also propose related monthly service by two level Credit Provider system Zhi Fuyu DR.
13.2 processors are by bank account of the payment transfer to DR.
13.3 may collect reward (depending on DR to determine) to DR or DP
Figure 23 presents the exemplary individual-to-individual transaction scene (P2P) in background of the present invention.Numbering in figure represents：
1. dealer is contracted with individual-ISP (I-SP), and I-SP applications are sent into two level Credit Provider
2.I-SP will undergo agreement and accept insurance program, to be approved for two level Credit Provider member
3. two level Credit Provider, which ratifies/refused I-SP, turns into the request of two level Credit Provider member
4. people-client (IC) wants purchase commodity or payment services, and it is desirable that per monthly payment
5.IC ratifies consumer's disclaimer
6.I-SP sends the transaction to two level Credit Provider
7. transaction is submitted to one-level Credit Provider by two level Credit Provider by processor
8. one-level Credit Provider ratifies transaction (all authorizing the amount of money)
9. two level Credit Provider ratifies IC instalment trade
10.I-SP hand over of goods is finally completed the service to IC to IC/
The expense that 11.IC is bought pays two level Credit Provider with monthly installment payment
12. processor will be bank account of the payment transfer to two level Credit Provider, and IC unpaid balance will be with
Payment every time and reduce, payment to the last is paid for
13. the payment received will be transferred to I-SP accounts by two level Credit Provider
14. two level Credit Provider will send a full set of reward form on last month reward to I-SP, and will be sent to
His No. 4 until every month
15. two level Credit Provider will charge to the reward of last month at monthly No. 5 by ACH I-SP account
16. at monthly No. 20, two level Credit Provider finance will be transferred ownership last month by ACH systems to dealer's account
Related reward.
Figure 24 presents the figure that two level Credit Provider provides monthly payment plan/guarantee services by different location to not Tongfang
Show.When addition mortgage model, P2P models, retailer's model, businessman prepay (NPV) model, different industries can be created as
The general monthly payment plan service of monthly payment plan and deposit service is provided with personnel, B2B, B2C, C2C.The service is properly termed as by stages
Payment/guarantee HUB.
It should be understood that the illustrative embodiments shown in Figure 20-24 are intended to be for the purpose of illustration, without should be by
It is construed to include the four corner of the present invention in any way.
Although some features of the present invention are having been illustrated and described herein, those of skill in the art will expect very now
More modifications, replacement, change and equivalents.It will thus be appreciated that appended entitlement requests are intended to the essence that covering falls into the present invention
All such modifications and changes in spirit.
Claims (18)
1. a kind of system for being used to provide the monthly payment plan of automatic security to the user of online marketplace and service, the system include：
Interface, it is suitable to be connected with the user of the online marketplace via the user interface of the online marketplace, and from described
User receives following item：
(a) the identification details of the first purchaser of the first online transaction promoted by the online marketplace；
(b) details for the line of credit that first purchaser has at the first one-level Credit Provider, and
(c) details of first amount of money related to first online transaction；
Credit service device, it includes：
I. telecommunication circuit, it is used to enter by distributed data network (DDN) and the automatic authorization system of one-level Credit Provider
Row communication；With
Ii. process circuit, it is suitable to：(i) details (a) and (b) received described in use is automatically generated for first gold medal
One or more credits request of volume, and (ii) send the request to one or more by the DDN
Credit Provider；
Trading server, it is suitable to provide institute to the seller of first online transaction when receiving the mandate of the request
State the payment of first amount of money；
One or more data storages, it is suitable to store the record of each in multiple online transactions, given for each
Fixed online transaction, the record include：The purchaser of the given online transaction carries in one or more one-level credits
The details for the line of credit having at donor, the given amount of money associated with the given online transaction are and described given
The details of the related credit authorisation received of online transaction, the terms of payments of the given amount of money, has with the given amount of money
The current unpaid balance of the payment history of pass and the given amount of money；
Monitoring unit, it includes process circuit, and the process circuit is suitable to the record that monitoring is stored in the data storage
Interior mandate due date, and before the nearest mandate related to single current unpaid balance expires, described in triggering
Credit service device stored with assuring again in each record being stored in the data storage it is each individually work as
Preceding unpaid balance；
Wherein described credit service device is further adapted for：(i) when being triggered by the monitoring unit, based on being stored in the record
Data, second group of one or more credit request of the current unpaid balance for first amount of money is automatically generated, and
(ii) second group of credit is sent to one or more Credit Provider by the DDN to ask.
2. system according to claim 1, wherein, the payment to first amount of money provides received from the one-level credit
Person.
3. system according to claim 1, wherein, the payment to first amount of money is received from the first party.
4. system according to claim 1, wherein, the credit service device, which is further adapted for the request in guarantee failure again, to be come
Paid from whole remaining sums of the one-level Credit Provider.
5. system according to claim 1, wherein, the credit service device is further adapted for expiring it in each credit authorisation
Before, by sent to the one-level Credit Provider the current unpaid balance for first amount of money credit authorisation it is new
Request, and the new credit authorisation from one-level Credit Provider reception for the current unpaid balance of first amount of money,
Constantly to assure the unpaid balance of first amount of money again, until the unpaid balance is zero.
6. system according to claim 1, in addition to second interface, the second interface is suitable to and the second online marketplace
Second user connects and receives following item from the second user：(a) the second online friendship promoted by second online marketplace
The line of credit that identification details (b) second purchaser of the second easy purchaser has at the first one-level Credit Provider
Details, and the details of (c) second amount of money associated with second online transaction.
7. system according to claim 1, wherein, the interface is application programming interface, and is adapted for
The user interacts with being integrated in the control element of the online marketplace and is connected with the user of the online marketplace.
8. system according to claim 1, wherein, the interface is application programming interface, and is adapted for
The user interacts with advertisement and is connected with the user of the online marketplace.
9. a kind of system for being used to provide the guarantee fund of automatic security to the user of online marketplace, the system include：
Interface, it is suitable to be connected with the user of the online marketplace via the user interface of the online marketplace, and from described
User receives following item：
(a) the identification details of the first party of first transaction associated with the online marketplace；
(b) details for the line of credit that the first party has at the first one-level Credit Provider；And
(c) details of first amount of money of the underlying mortgage associated with the described first transaction；
Credit service device, it includes：
I. telecommunication circuit, it is used to enter by distributed data network (DDN) and the automatic authorization system of one-level Credit Provider
Row communication；With
Ii. process circuit, it is suitable to：(i) received details (a) and (b) is used to automatically generate for first amount of money
One or more credit requests, and (ii) send the request to one or more credit by the DDN
Supplier；
One or more data storages, it is suitable to store the record of each in multiple transaction, for each given
Transaction, the record include：The letter that one side of the given transaction has at one or more one-level Credit Providers
The details of loan amount, the details of the guarantee fund associated with the given transaction, and it is related to the given transaction
The details of the credit authorisation received；
Monitoring unit, it includes process circuit, and the process circuit is suitable to the record that monitoring is stored in the data storage
Interior mandate due date, and the credit clothes are triggered before the nearest mandate relevant with the given guarantee fund expires
Device be engaged in assure given guarantee fund again；
Wherein, the credit service device is further adapted for：(i) when being triggered by the monitoring unit, based on being stored in the record
Data, automatically generate second group of one or more credits request for first amount of money, and (ii) by described the
Two groups of credit requests are sent to one or more Credit Provider by the DDN.
10. system according to claim 9, wherein, the credit service device is further adapted in guarantee failure again to institute
State one-level Credit Provider request and pay first amount of money completely.
11. system according to claim 9, wherein, the credit service device is further adapted for expiring it in each credit authorisation
Before, the new of credit authorisation that first amount of money is directed to by being sent to one or more one-level Credit Provider is asked
Ask, and receive the new credit authorisation that first amount of money is directed to from one or more one-level Credit Provider,
Constantly to assure first amount of money again, untill no longer needing the underlying mortgage.
12. system according to claim 9, in addition to second interface, the second interface is suitable to and the second online marketplace
Second user connection and receive following item from the second user：(a) by second online marketplace promote second
The line of credit that identification details (b) second purchaser of the second party of line transaction has at the first one-level Credit Provider
Details, and the details of (c) second amount of money associated with second online transaction.
13. system according to claim 9, wherein, the interface is application programming interface, and is adapted for
The control element of the user and the user interface that is integrated in the online marketplace interact and with the use of the online marketplace
Family connects.
14. system according to claim 9, wherein, the interface is application programming interface, and is adapted for
The user interacts with advertisement and is connected with the user of the online marketplace.
15. system according to claim 9, wherein, the online marketplace is online real estate leasing market, described first
Side is lease side, and first transaction is Tenancy Agreement.
16. a kind of system for being used to provide the guarantee fund of automatic security, the system include：
Telecommunication circuit, it is suitable to communicate with business server by distributed data network (DDN), and businessman is needed from client's
Guarantee fund；
Receiving module, it includes process circuit, and the process circuit is suitable to communicate with the business server by the DDN,
And following item is received from the business server by the data network using the telecommunication circuit：(a) with one or
First amount of money for the first guarantee fund that the first client with line of credit is associated at more one-levels Credit Provider, and
(b) details of the line of credit；
Credit service device, it includes：
I. telecommunication circuit, it is communicated by the DDN with the automatic authorization system of one-level Credit Provider；With
Ii. process circuit, it is suitable to：(i) use received details automatically generate for one of first amount of money or
More credits are asked, and (ii) sends the request by the DDN to one or more Credit Provider；
One or more data storages, it is suitable to the record for storing each client in multiple clients, for each given
Client, the record includes：The line of credit that the given client has at one or more one-level Credit Providers
The details of degree, the amount of money of the guarantee fund related to the given client, and to the given client is related is received
Credit authorisation details；
Monitoring unit, it includes process circuit, and the process circuit is suitable to the record that monitoring is stored in the data storage
Interior mandate due date, and trigger the credit before the nearest mandate related to the given guarantee fund expires
Server to assure given guarantee fund again；
Wherein described credit service device is further adapted for：(i) when being triggered by the monitoring unit, based on being stored in the record
Data, automatically generate second group of one or more credits request for the amount of money, and (ii) by second group of letter
Borrow request and one or more Credit Provider is sent to by the DDN.
17. system according to claim 16, wherein, the credit service device is further adapted in guarantee failure again to institute
State one-level Credit Provider request and pay first amount of money completely.
18. system according to claim 16, wherein, the credit service device is further adapted for expiring it in each credit authorisation
Before, the new of credit authorisation that first amount of money is directed to by being sent to one or more one-level Credit Provider is asked
Ask, and the new credit authorisation for first amount of money is received from one or more one-level Credit Provider, to hold
First amount of money is assured again continuously, untill no longer needing first guarantee fund.
Applications Claiming Priority (9)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US14/686,987 US20150278946A1 (en) | 2007-12-27 | 2015-04-15 | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Securitized Funding of Deposits, Collateral, Bonds and/or Securities |
| US14/687,013 | 2015-04-15 | ||
| US14/687,031 US20150278948A1 (en) | 2007-12-27 | 2015-04-15 | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Purchase of Installment Obligations |
| US14/687,055 US20150278949A1 (en) | 2007-12-27 | 2015-04-15 | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Securitized Funding of Up-front Payments |
| US14/686,987 | 2015-04-15 | ||
| US14/687,031 | 2015-04-15 | ||
| US14/687,013 US20150278947A1 (en) | 2007-12-27 | 2015-04-15 | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Credit Based Transactions between Private Individuals |
| US14/687,055 | 2015-04-15 | ||
| PCT/IB2016/052119 WO2016166689A1 (en) | 2015-04-15 | 2016-04-14 | Providing automated securitized funding of deposits, collateral, bonds and/or securities online |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107636717A true CN107636717A (en) | 2018-01-26 |
Family
ID=57127252
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201680034133.8A Pending CN107636717A (en) | 2015-04-15 | 2016-04-14 | The financing of the automation guarantee of online deposit, guaranty, bond and/or gage is provided |
Country Status (5)
| Country | Link |
|---|---|
| CN (1) | CN107636717A (en) |
| AU (1) | AU2016248006A1 (en) |
| CA (1) | CA3021034A1 (en) |
| GB (1) | GB2553731A (en) |
| WO (1) | WO2016166689A1 (en) |
Cited By (5)
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| TWI680426B (en) * | 2018-09-10 | 2019-12-21 | 華南商業銀行股份有限公司 | Gold deposit pledged loan collateral supplement system |
| CN110930247A (en) * | 2020-01-22 | 2020-03-27 | 优比付(杭州)科技有限公司 | Credit card state detection method and risk control method for credit card payment by installments |
| CN110969427A (en) * | 2019-12-06 | 2020-04-07 | 优比付(杭州)科技有限公司 | Staged payment method based on credit card |
| CN111242753A (en) * | 2020-04-24 | 2020-06-05 | 支付宝(杭州)信息技术有限公司 | Cross-platform operation control method and system |
| US20210166332A1 (en) * | 2014-05-11 | 2021-06-03 | Zoccam Technologies, Inc. | Systems and methods for database management of transaction information and payment instruction data |
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| US9779432B1 (en) | 2015-03-31 | 2017-10-03 | Square, Inc. | Invoice financing and repayment |
| US20220147967A1 (en) * | 2020-11-11 | 2022-05-12 | Proactive Fintech Llc | Systems and methods for collaborative money management |
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- 2016-04-14 CA CA3021034A patent/CA3021034A1/en not_active Abandoned
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- 2016-04-14 AU AU2016248006A patent/AU2016248006A1/en not_active Abandoned
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Also Published As
| Publication number | Publication date |
|---|---|
| CA3021034A1 (en) | 2016-10-20 |
| WO2016166689A1 (en) | 2016-10-20 |
| GB201718766D0 (en) | 2017-12-27 |
| GB2553731A (en) | 2018-03-14 |
| AU2016248006A1 (en) | 2017-11-30 |
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