MULTI-DIMENSIONAL MATCHING IN NETWORKED LOAN MARKET AND LENDING MANAGEMENT SYSTEM
First Claim
Patent Images
1. A computer-implemented method, comprising:
- receiving, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision;
receiving, from one or more borrowers, borrowing orders that include one more requested loan terms;
generating a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and
performing a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders.
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Abstract
Systems, methods, and apparatus for receiving, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision; receiving, from one or more borrowers, borrowing orders that include one more requested loan terms; generating a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and performing a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders.
89 Citations
18 Claims
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1. A computer-implemented method, comprising:
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receiving, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision; receiving, from one or more borrowers, borrowing orders that include one more requested loan terms; generating a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and performing a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An apparatus comprising:
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a lending order receiver configured to receive, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision; a borrowing order receiver configured to receive, from one or more borrowers, borrowing orders that include one more requested loan terms; a matrix generating module, associated with the lending order receiver and the borrowing order receiver, and configured to generate a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and a matcher, associated with the lending order receiver, the borrowing order receiver, and the matrix generating module, and configured to perform a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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Specification