Systems for Using Crowdfunding Funds for a Risk Pairing
First Claim
1. A method for electronically funding a risk pairing through an investor-influenced account in a computer network environment, the method comprising:
- a. generating the risk pairing of a beneficiary and a fundable business;
b. storing the pairing of the beneficiary and the fundable business in one or more databases;
c. determining a risk pairing score;
d. storing the risk pairing score in one or more databases;
e. presenting the risk pairing to a crowdfunding backer on a crowdfunding portal accessible over a communication network;
f. electronically transferring a crowdfunding backer distribution to the crowdfunding portal;
g. storing the crowdfunding backer distribution in a suspense equity account at the crowdfunding portal;
h. at the crowdfunding backer'"'"'s request, transferring the distribution to the investor-influenced account;
i. according to the funding agreement, the crowdfunding portal electronically transmitting a debt funds to the fundable business;
j. the beneficiary electronically transmitting a debt repayment to the crowdfunding portal;
k. the crowdfunding portal electronically transmitting at least a portion of the debt repayment to the crowdfunding backer;
whereby, the fundable business borrows from the crowdfunding portal without the need for repayment.
1 Assignment
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Accused Products
Abstract
Systems and methods for funding a risk pairing of a fundable business and a beneficiary for presentation to investors and crowdfunding backers. The suppliers of funds channel the funds through a crowdfunding portal, or broker, to provide debt to the fundable business. During designated times, all or a portion of the repayments may be returned to the investor by the beneficiary through the crowdfunding portal. This allows the investor to supply funds to the business without the investor directly lending to the business. It also allows the business to borrow funds without a subsequent repayment by the business.
39 Citations
3 Claims
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1. A method for electronically funding a risk pairing through an investor-influenced account in a computer network environment, the method comprising:
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a. generating the risk pairing of a beneficiary and a fundable business; b. storing the pairing of the beneficiary and the fundable business in one or more databases; c. determining a risk pairing score; d. storing the risk pairing score in one or more databases; e. presenting the risk pairing to a crowdfunding backer on a crowdfunding portal accessible over a communication network; f. electronically transferring a crowdfunding backer distribution to the crowdfunding portal; g. storing the crowdfunding backer distribution in a suspense equity account at the crowdfunding portal; h. at the crowdfunding backer'"'"'s request, transferring the distribution to the investor-influenced account; i. according to the funding agreement, the crowdfunding portal electronically transmitting a debt funds to the fundable business; j. the beneficiary electronically transmitting a debt repayment to the crowdfunding portal; k. the crowdfunding portal electronically transmitting at least a portion of the debt repayment to the crowdfunding backer; whereby, the fundable business borrows from the crowdfunding portal without the need for repayment.
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2. A method for electronically funding a risk pairing through an investor-influenced account in a computer network environment, the method comprising:
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a. generating the risk pairing of a beneficiary and a fundable business; b. storing the pairing of the beneficiary and the fundable business in one or more databases; c. determining a risk pairing score; d. storing the risk pairing score in one or more databases; e. presenting the risk pairing to an investor on a crowdfunding portal accessible over a communication network; f. electronically transferring an investor distribution to the crowdfunding portal; g. storing the investor distribution in a suspense equity account at the crowdfunding portal; h. at the investor'"'"'s request, transferring the distribution to the investor-influenced account; i. according to the funding agreement, the crowdfunding portal electronically transmitting a debt funds to the fundable business; j. the beneficiary electronically transmitting a debt repayment to the crowdfunding portal; k. the crowdfunding portal electronically transmitting at least a portion of the debt repayment to the investor; whereby, the fundable business borrows from the crowdfunding portal without the need for repayment.
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3. A method for electronically funding a risk pairing through an investor-influenced account in a computer network environment, the method comprising:
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a. generating the risk pairing of a beneficiary and a fundable business; b. storing the pairing of the beneficiary and the fundable business in one or more databases; c. determining a risk pairing score; d. storing the risk pairing score in one or more databases; e. presenting the risk pairing to an investor on a crowdfunding portal accessible over a communication network; f. electronically transferring an investor distribution to the crowdfunding portal; g. storing the investor distribution in a suspense equity account at the crowdfunding portal; h. at the investor'"'"'s request, transferring the distribution to the investor-influenced account; i. the beneficiary electronically transmitting a debt repayment to the crowdfunding portal; j. the crowdfunding portal electronically transmitting at least a portion of the debt repayment to the investor; whereby, the fundable business borrows from the crowdfunding portal without the need for repayment.
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Specification