Simultaneous bidding and matching platform for loan borrower and lenders
First Claim
1. The present invention relates to a simultaneous bidding platform determining about a matched loan borrower, a different risk levels'"'"' matched loan lenders, the actual loan amount, actual loan interest rate for the matched loan borrower, and each actual loan amount contribution of the invested amount and investment yield rate of the matched loan lender. The said platform comprises:
- a loan demand module, the said module is to receive multiple loan borrowing bid sheets, and the bid sheet shall at least include the information about the amount of loan needed and interest rate for the loan;
a loan supply module, the said module is to receive multiple loan lending bid sheets, and the said bid sheet shall at least include the information about the investment amount and preferred yield rate for different risk levels, and the said risk level data shall at least has the lowest risk level and next higher risk level;
a matching module, the said module is to match the highest interest rate bid sheet from all loan borrowing bid sheets with the lowest yield rate bid sheets and subsequently to second lower from respective risk levels of loan lending bid sheets proportionally, and as a result generating results of each matched bid.
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Abstract
The present invention is a simultaneous bidding platform facilitate loan transactions process between borrowers and lenders. Matching module of the bidding and matching platform automatically match higher preferred interest-rate borrower bid sheet with lower preferred yield-rate lender bid sheet. The module generates bidding and matching loan borrowers'"'"' results, actual loan amount, actual interest-rate borrowers liable; and results of different lenders in various investment risk levels, actual invested amount and respective investment yield-rate per their risk levels. After matching results generated, all matched bidders perform their obligations according to the terms stipulated in the pre-signed bidding agreements as borrowers and lenders. The single matched borrowing bidder owes the matched loan amount and performs bidding obligation to all matched multiple lending bidders proportionally. The matched borrower acceptss the trustee pointed by all the matched lenders to custody collaterals, to escrow bidding agreements execution; and perform loan obligation through the trustee.
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Citations
21 Claims
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1. The present invention relates to a simultaneous bidding platform determining about a matched loan borrower, a different risk levels'"'"' matched loan lenders, the actual loan amount, actual loan interest rate for the matched loan borrower, and each actual loan amount contribution of the invested amount and investment yield rate of the matched loan lender. The said platform comprises:
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a loan demand module, the said module is to receive multiple loan borrowing bid sheets, and the bid sheet shall at least include the information about the amount of loan needed and interest rate for the loan;
a loan supply module, the said module is to receive multiple loan lending bid sheets, and the said bid sheet shall at least include the information about the investment amount and preferred yield rate for different risk levels, and the said risk level data shall at least has the lowest risk level and next higher risk level;
a matching module, the said module is to match the highest interest rate bid sheet from all loan borrowing bid sheets with the lowest yield rate bid sheets and subsequently to second lower from respective risk levels of loan lending bid sheets proportionally, and as a result generating results of each matched bid. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification