EFFICIENT DEBT-CLEARING SYSTEM AND METHOD
First Claim
1. An efficient debt-clearing system comprising:
- a user interface for allowing a user to log into the debt-clearing system via network communication;
a database for storing data; and
an administrating server for linking the user interface and the database, the system allowing the user and more users to raise debt-clearing funds with low costs.
1 Assignment
0 Petitions
Accused Products
Abstract
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.
7 Citations
20 Claims
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1. An efficient debt-clearing system comprising:
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a user interface for allowing a user to log into the debt-clearing system via network communication; a database for storing data; and an administrating server for linking the user interface and the database, the system allowing the user and more users to raise debt-clearing funds with low costs. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An efficient debt-clearing method for allowing a debtor member to raise debt-clearing funds and speed up debt-clearing and amortize debt with a lower-cost fund comprising:
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a logging-in step; a membership application step; a member classification step; a credit enhancement step; a bidding authorization step; a member directing step; and a settlement and delivery step. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification