Patent application number | Description | Published |
20080270320 | REMOTE TRANSACTION METHOD AND SYSTEM OF AN ON-LINE PLATFORM FOR FLOATING-RATE FUND-TRADING - The present invention provides a remote transaction method and system of an on-line platform for auctioning of money applied in the field of financial e-commerce. Nodes are disposed on the Internet to expand the market of fund-trading platform in the virtual network communities, to enhance the efficiency of operations in the financial market and realize the goal of de-intermediation and de-centralization of direct finance. A node helps a member to establish a platform account via a related connection network and interface, and helps the member to acquire a necessary loan amount for an intended fund-bidding pool by means of loan amount application and providing collateral. A subordinate member attends fund-bidding directly via the platform, or enters the platform via a node, according to his preference. The platform helps node members enter the platform and attend fund trading and monitors the credit-risk status of nodes and members. | 10-30-2008 |
20080281752 | ONE-PRICE HOME MORTGAGE LENDING METHOD AND PLATFORM - A method and platform for an online one-price home mortgage lending is disclosed. House buyers use the platform to obtain a mortgage with autonomous interest rates. The platform provides a loan to members to allow them to get their house in advance or to pay off an existing home mortgage. After receiving the loan members participate in an auction process. The bid-winner receives the funds and repays the loan in installments. Non bid-winners are issued a transferable auction certificate and wait until the next term to bid again. | 11-13-2008 |
20090018936 | FROM INDIRECT FINANCE TO DIRECT FINANCE DEBT-CLEARING SYSTEM AND METHOD - A from-IDF-to-DF debt-clearing system and method is disclosed. Internet technology is used to construct a direct-finance fund trading platform, whereby a debtor can raise a fund to clear his debts, especially the debts of credit cards and fiduciary loans. After receiving an application of a debtor, the direct-finance fund trading platform analyzes the credit condition and debt-clearing requirement of the debtor and then assigns a bridge loan to the debtor. After delivering the bridge loan, the platform enters into a fund-trading module to bid for the debtor and clears the bridge loan with the obtained fund, and the debtor pays a contribution amount to the platform periodically. | 01-15-2009 |
20090024503 | EFFICIENT DEBT-CLEARING SYSTEM AND METHOD - An efficient debt-clearing system and method which is applied to electronic finance is disclosed. Internet technology is utilized to establish a direct-finance fund trading platform, whereby debtors can more efficiently raise funds with a lower cost to clear their debts, particularly the debts of credit cards and fiduciary loans. The efficient debt-clearing system functions as the core in the operation of the entire platform. Firstly, a debtor member submits an application to the platform. The platform analyzes the debt and credit of the debtor member and instructs the debtor to enhance his credit. Next, the platform directs the debtor member to the fund trading module to raise a fund. The fund acquired in fund trading is preferentially used to first clear the existing debt of the debtor member, and the debtor re-pays by installments the fund to the platform. | 01-22-2009 |
20090030832 | CREDIT EVALUATION SYSTEM AND METHOD FOR NETWORK EFFECT CREDIT EXTENSION - Disclosed is a credit evaluation system and method for network effect credit extension that is applied in financial and electronic business fields. The major objective is to construct a credit evaluation system by employing the Internet technology, so that people in need of a loan may obtain credit amount faster than those utilizing an existing credit evaluation method without having to reduce the credit evaluation standard. | 01-29-2009 |
20090070153 | METHOD AND SYSTEM FOR ENDOWMENT INSURANCE AT AUTONOMOUS INTEREST RATES - A method and a system for endowment insurance at autonomous interest rates implemented in the insurance field of financial e-commerce are provided, in which endowment insurance funds are operated in a new mode through a deposit and borrowing platform at autonomous interest rates. Thus, an insurance company can avoid bearing interest rate risks, and a consumer earns an interest of direct finance before winning a bid and has opportunities of raising funds and expanding investment after winning the bid, so as to earn higher returns than the conventional endowment insurance in a form of club deposit. | 03-12-2009 |
20090089103 | METHOD AND INSURANCE PLATFORM FOR INVESTMENT-TYPE WHOLE LIFE INSURANCE AT AUTONOMOUS INTEREST RATES - A method and insurance platform for whole life insurance implemented in the insurance field of financial e-commerce is provided. The present invention reflects the interactivity between a consumer and a platform provider in the age of network technology, and creates an insurance platform to enable the consumer to expand his/her credit on the platform and increase investment opportunities according to his/her own risk preference. | 04-02-2009 |
20090271312 | One-Price Home Mortgage Lending Method and System - A method and system for an online one-price home mortgage lending is disclosed. House buyers use the system to obtain a mortgage with autonomous interest rates. The system provides a loan to members to allow them to get their house in advance or to pay off an existing home mortgage. After receiving the loan members participate in an auction process. The bid-winner receives the funds and repays the loan in installments. Non bid-winners are issued a transferable auction certificate and wait until the next term to bid again. | 10-29-2009 |
20090313176 | FUND TRANSACTION PLATFORM AND METHOD OF AUTONOMOUS INTEREST RATES OF CAPITAL POOL - A fund transaction method of autonomous interest rates of a capital pool is applied in a fund transaction platform. A clearing member applies to join the fund transaction platform. A fund flow and an information flow are established between the fund transaction platform and the clearing member. A customer of the clearing member registers with the fund transaction platform to become a member. The member enters a bidding amount. A successful bidding amount and a number of successful bidders are determined according to a fund balance of the fund transaction platform and borrowing interest rates. A management server clears a successful bidding amount and a deposit bid bond. The fund transaction platform performs a clearance and settlement for the clearing member. The clearing member clears and settles the successful bidding amount, the total successful bidding amount, the deposit amount, or the refunding amount for the customer. | 12-17-2009 |
20100235272 | ROSCA-RISK MANAGEMENT SYSTEM AND METHOD THEREOF - The present invention provides a Rosca-risk management system and a method thereof. The Rosca-risk management method conducts risk management on a Rosca group by using a processing apparatus. The processing apparatus is connected with a client through a network. The processing apparatus executes the following steps: determining a risk management term No. of the Rosca group according to a Rosca condition and a risk tolerance level of the Rosca group; determining, via the client, that a current bidding term No. of a member is not earlier than the risk management term No.; and allowing the member to enter into a bidding procedure of the Rosca group via the client. | 09-16-2010 |
20110145132 | REMOTE TRANSACTION METHOD AND SYSTEM OF AN ON-LINE PLATFORM FOR FLOATING-RATE FUND-TRADING - The present invention provides a remote transaction method and system of an on-line platform for auctioning of money applied in the field of financial e-commerce. Nodes are disposed on the Internet to expand the market of fund-trading platform in the virtual network communities, to enhance the efficiency of operations in the financial market and realize the goal of de-intermediation and de-centralization of direct finance. A node helps a member to establish a platform account via a related connection network and interface, and helps the member to acquire a necessary loan amount for an intended fund-bidding pool by means of loan amount application and providing collateral. A subordinate member attends fund-bidding directly via the platform, or enters the platform via a node, according to his preference. The platform helps node members enter the platform and attend fund trading and monitors the credit-risk status of nodes and members. | 06-16-2011 |
20110173115 | FROM INDIRECT FINANCE TO DIRECT FINANCE DEBT-CLEARING SYSTEM AND METHOD - A from-IDF-to-DF debt-clearing system and method is disclosed. Internet technology is used to construct a direct-finance fund trading platform, whereby a debtor can raise a fund to clear his debts, especially the debts of credit cards and fiduciary loans. After receiving an application of a debtor, the direct-finance fund trading platform analyzes the credit condition and debt-clearing requirement of the debtor and then assigns a bridge loan to the debtor. After delivering the bridge loan, the platform enters into a fund-trading module to bid for the debtor and clears the bridge loan with the obtained fund, and the debtor pays a contribution amount to the platform periodically. | 07-14-2011 |