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公开(公告)号：US08635277B2
公开(公告)日：2014-01-21
申请号：US13075013
申请日：2011-03-29
IPC分类号： G06F15/16
CPC分类号： G06Q30/0241 , G06Q30/06 , G06Q30/0645 , G06Q50/01
摘要： Digital items may be lent from one user to another. A lending system may facilitate matching users that have a digital item to lend with users that wish to borrow a digital item. Each user may have a reputation associated with his or her lending behavior that is represented as a lending metric. The lending metric may show whether a given user is primarily a lender or borrower of digital items. Heavy borrowers that do not engage in commensurate lending may be penalized. Multiple users that lend and borrow digital items from one another may be connected in a social network. The nature of a relationship in the social network may and the lending metrics of users are factors used to make lending decisions.
摘要翻译： 数字项目可以从一个用户借出到另一个用户。 贷款系统可以促进具有数字项目的匹配用户借用希望借用数字项目的用户。 每个用户可以具有与他或她的贷款行为相关联的声誉，其被表示为贷款度量。 贷款指标可以显示给定用户是否主要是数字商品的贷方或借款人。 不从事相应贷款的大额借款人可能会受到处罚。 可以在社交网络中连接借用和借用数字项目的多个用户。 社会网络中的关系的性质可能和用户的贷款指标是用于做借贷决定的因素。
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公开(公告)号：US20120254304A1
公开(公告)日：2012-10-04
申请号：US13075036
申请日：2011-03-29
IPC分类号： G06F15/16
CPC分类号： H04L67/104 , G06Q10/08 , G06Q20/123 , G06Q30/0241 , G06Q30/06 , G06Q30/0645 , G06Q50/01 , H04L51/32
摘要： Digital items may be lent from one user to another. A lending system may facilitate matching users that have a digital item to lend with users that wish to borrow a digital item. Each user may have a reputation associated with his or her lending behavior that is represented as a lending metric. The lending metric may show whether a given user is primarily a lender or borrower of digital items. Heavy borrowers that do not engage in commensurate lending may be penalized. Multiple users that lend and borrow digital items from one another may be connected in a social network. The nature of a relationship in the social network may and the lending metrics of users are factors used to make lending decisions.
摘要翻译： 数字项目可以从一个用户借出到另一个用户。 贷款系统可以促进具有数字项目的匹配用户借用希望借用数字项目的用户。 每个用户可以具有与他或她的贷款行为相关联的声誉，其被表示为贷款度量。 贷款指标可以显示给定用户是否主要是数字商品的贷方或借款人。 不从事相应贷款的大额借款人可能会受到处罚。 可以在社交网络中连接借用和借用数字项目的多个用户。 社会网络中的关系的性质可能和用户的贷款指标是用于做借贷决定的因素。
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公开(公告)号：US20120254303A1
公开(公告)日：2012-10-04
申请号：US13075013
申请日：2011-03-29
IPC分类号： G06F15/16
CPC分类号： G06Q30/0241 , G06Q30/06 , G06Q30/0645 , G06Q50/01
摘要： Digital items may be lent from one user to another. A lending system may facilitate matching users that have a digital item to lend with users that wish to borrow a digital item. Each user may have a reputation associated with his or her lending behavior that is represented as a lending metric. The lending metric may show whether a given user is primarily a lender or borrower of digital items. Heavy borrowers that do not engage in commensurate lending may be penalized. Multiple users that lend and borrow digital items from one another may be connected in a social network. The nature of a relationship in the social network may and the lending metrics of users are factors used to make lending decisions.
摘要翻译： 数字项目可以从一个用户借出到另一个用户。 贷款系统可以促进具有数字项目的匹配用户借用希望借用数字项目的用户。 每个用户可以具有与他或她的贷款行为相关联的声誉，其被表示为贷款度量。 贷款指标可以显示给定用户是否主要是数字商品的贷方或借款人。 不从事相应贷款的大额借款人可能会受到处罚。 可以在社交网络中连接借用和借用数字项目的多个用户。 社会网络中的关系的性质可能和用户的贷款指标是用于做借贷决定的因素。
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公开(公告)号：US20120253893A1
公开(公告)日：2012-10-04
申请号：US13075054
申请日：2011-03-29
CPC分类号： G06Q30/0601 , G06F21/10 , G06F2221/2101 , G06Q2220/10
摘要： Digital items may be lent from one user to another. A lending system may facilitate matching users that have a digital item to lend with users that wish to borrow a digital item. Each user may have a reputation associated with his or her lending behavior that is represented as a lending metric. The lending metric may show whether a given user is primarily a lender or borrower of digital items. Heavy borrowers that do not engage in commensurate lending may be penalized. Multiple users that lend and borrow digital items from one another may be connected in a social network. The nature of a relationship in the social network may and the lending metrics of users are factors used to make lending decisions.
摘要翻译： 数字项目可以从一个用户借出到另一个用户。 贷款系统可以促进具有数字项目的匹配用户借用希望借用数字项目的用户。 每个用户可以具有与他或她的贷款行为相关联的声誉，其被表示为贷款度量。 贷款指标可以显示给定用户是否主要是数字商品的贷方或借款人。 不从事相应贷款的大额借款人可能会受到处罚。 可以在社交网络中连接借用和借用数字项目的多个用户。 社会网络中的关系的性质可能和用户的贷款指标是用于做借贷决定的因素。
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