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1.
公开(公告)号:US20070265960A1
公开(公告)日:2007-11-15
申请号:US11710247
申请日:2007-02-23
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q40/025
摘要: A computer method for automating person-to-person lending comprises receiving from a user over a computer network at least one custom periodic payment amount for a loan period of a person-to-person loan; generating a custom loan schedule based on the custom amount; and transmitting the custom loan schedule over the computer network to the user. A further method comprises receiving from a first user over a computer network a request to modify at least one specific periodic payment amount for a loan period of a pre-existing person-to-person loan; receiving from a second user a consent to the first user's request; and generating a revised loan schedule for the loan based on the request to modify the payment amount. Another method comprises retrieving from a database loan history data for a person-to-person loan; and transmitting the loan history data to a credit reporting agency over a computer network.
摘要翻译: 一种用于自动化人对人贷款的计算机方法包括:通过计算机网络从用户接收至少一个个人到个人贷款的贷款期间的定期定期支付金额; 根据定制金额生成定制贷款计划; 并将计算机网络上的定制贷款计划传送给用户。 另一种方法包括:从计算机网络上的第一用户接收对先前存在的个人贷款期限的贷款期限修改至少一个特定定期支付金额的请求; 从第二用户接收对第一用户请求的同意; 并根据修改付款金额的请求,为贷款生成经修订的贷款安排。 另一种方法包括从数据库中获取贷款历史数据以获得个人对个人贷款; 并通过计算机网络将贷款历史数据传送给信用报告机构。