CN104704519A

CN104704519A - Methods, system and associated computer executable code for facilitating credit transactions

Info

Publication number: CN104704519A
Application number: CN201380052281.9A
Authority: CN
Inventors: 吉尔·多恩; 艾伦·费特; 维多利亚·尼尔·克莱因
Original assignee: Yi Fu Co Ltd
Current assignee: Yi Fu Co Ltd
Priority date: 2012-10-04
Filing date: 2013-04-07
Publication date: 2015-06-10
Also published as: WO2014053920A1; GB201507531D0; JP2015530680A; AU2013326226A2; RU2015113341A; EP2904569A1; GB2521790A; CA2887033C; HK1210856A1; KR102129949B1; SG11201501995SA; DE112013004894T5; JP6283368B2; CA2887033A1; AU2019246928A1; EP2904569A4; KR20150065834A; AU2013326226A1; RU2639950C2

Abstract

Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash- withdrawal transaction amount, into periodical installments by enabling the financing of said transaction.

Description

Promote the method for credit transaction, system and correlation computer executable code

Invention field

Present invention relates in general to credit financing transaction field.More particularly, the present invention relates to for promoting the serial system and method for credit financing.

Background of invention

In most of Western civilization, their a big chunk life and money spend in and buy product and buy in service by people itself.When completing this purchase " role ", they are confirmed as consumer.Public with the perception of logic is, the consumer of commodity desired by s/he or service can be bought for one, no matter be daily need, assets, present, tourism etc., s/he is all required to have available financial wealth, that is, " there is enough money in bank " or have enough money in other place.

Some consumption mechanism and purchase mechanisms are there are, some will trace back to the dawn of history, consumer is allowed to buy products & services and required fund need not be had when purchase, instead of the money using them not have is financed to current purchase, and pay in the stage after a while.The financing package that some are so is at present called:

-bank loan;

-mortgage;

-lease (automobile, etc.); And

-revolver card scheme: allow consumer to pay their credit card expense (circulate them) gradually.

Being apparent that, these financing methods and other method, is not free appearance.Consumer is collected the finance charge that can realize the fund bought provided by mechanism or group usually in purchase cost.

Such financing mechanisms is normally even by having enough immediate funds, but the user preferring they not spent in current purchase uses, and therefore controls their cash flow, just as any commercial company.

The possible reason of such behavior may comprise:

-following the cost is expection and will needs available fund;

-purchase (having carried out " loan " for current purchase) at present will exceed the regular budget/wage of consumer;

-money is used to investment and can not uses; And

-emotion/mentality motivation (such as: financial security).

This financing solution is provided by multiple source, and some provide the general loan do not connected with particular purchased, and other by " loan " with specifically buy/product/service is associated.Such as:

-general financing:

O Credit card issuers (revolver account, etc.)

O financial institution: bank, etc. (loan); And

O loan installment.

-specific financing:

O mortgage loan bank;

O automobile rental corporation/other leasing company; And

O businessman or service provider.

Revolver card is provided a loan

Recursive device is the solution of the common global credit card industry of general loan.In this round-robin method, holder can determine he would rather by he monthly credit card cost in number be recycled to next month (in certain limit).

Finance costs for such means are the annual percentage (APR) be derived from national federal interest rate.It is not fixing, and usually improves a lot on federal interest rate.

A reason of high circulation A PR is " risk " mechanism (Credit card issuers/bank), such loan is provided, take with under type: when product or service have in fact been his/her, holder can attempt to avoid pay some or all of futures by following several mode:

-refusal is bought;

-Close Account; Or

-" disappearance ".

In these situations, lending agency is made " to be exposed to " unplanned cost and therefore to lose money.

Circulative metabolism is common in United States Consumer credit market, and because credit card is as universal (the having in 2006 more than 1.5 hundred million cards) of financial document, the holder wherein more than 60% uses the revolving line of credit on their card.

Once the line of credit of consumer goes through (usually ratifying in advance), by using his/her credit card, can be easy to and use at any time timely for any object circulative metabolism.Although, for consumer, there is one of the most expensive interest rate.

During 2006, the circulation system in the credit card industry of the U.S. only have about 8,266 hundred million dollars undischarged, in the acyclic credit system for consumer's cost (not comprising house) (such as, loan) 15,264 hundred million dollars, wherein (acyclic credit system) major part is not completed by system card.

For the article of high value, such as automobile, mobile house, education, ship or spend a holiday, American gets used to acyclic credit (mainly lease or other regular return loan).These are normally provided with funds by the manufacturer of the monthly installment fixed or financial institution.

Lease

Lease loan is available in the U.S., but major part is limited to specifically gives a long price for thing, such as car, house and ship, and this gives a long price for thing is directly provided by businessman and be exclusively used in desired consumer's goods, i.e. " particular purchased thing " loan.

In this case, the goods registration bought is the guarantee of given loan.The APR of this loan changes between different industries, and is usually less than the APR of revolver card APR.This fiduciary loan is usually as ratified when revolver card account.

Brief summary of the invention

According to some embodiments of the present invention, as commodity or service, or financial service, or real estate, the businessman of lease service or buyer and/or any commodity, or service, and/or a part for transaction between the lessee of real estate etc. (following be herein called as " consumer (Consumer) " or " client (Customer) "), consumer can ask the expense required for the consumer relevant to transaction or refund to be divided into one group of partial payment or monthly payment plan, make complete transaction cost can be split on this group partial payment whole, partial payment is split in all this group partial payment intermittently to be made in some time period.In order to consumer, for businessman, one or more Credit Provider can perform/provide all or part of payment to conclude the business, condition is, the regular partial payment of use is repaid whole dealing money and financing charge to obligee by consumer, wherein by the intermittent mechanism of securitisation again, undischarged refund remaining sum can in fact continuously by securitisation.According to some embodiments, the one or more Credit Provider representing consumer's execution transaction relevant to payment can be secondary Credit Provider, this secondary Credit Provider can by main Credit Provider (such as, Credit card issuers, credit card underwriter, credit cooperative or bank, etc.) any undischarged refund remaining sum hundi that provides.

Be called as refund timetable according to the agreement of timetable of this group partial payment amount of money within a period of time of agreement and can be predefined or predetermined.Such as, according to another embodiment, in transaction with during buying, refund timetable (such as, the cycle between circulation refund date, partial payment, the refund amount of money, etc.) can be selected by consumer.According to another embodiment, after transaction or buying the date, can change or rebuild refund timetable (such as, postpone to refund-extend the cycle between refunding, accelerate to refund-reduce the cycle between refunding, refund date, the refund amount of money that the refund date be biased-changes one month, etc.).Automatically can perform securitisation again about refund timetable.

The present invention is for promoting the system and method for concluding the business.According to some embodiments of the present invention, as businessman and commodity and/or service and/or currency means (such as, cash) consumer/client between the part of transaction, (such as, on line, point of sale, mobile sale point, ATM (automatic teller machine) can be initiated in any accessing points or by any accessing points; And/or any communication facilities, such as mobile phone, or the annex of mobile phone, and/or now known or will in any other accessing points of futuristic design), consumer can ask transaction cost to be divided into one group of payment/monthly payment plan, by this division, cost can be shared within a period of time.One group of described payment and described time cycle can be predefine or predetermined.

According to some embodiments of the present invention, as a part of sharing serial cost, the consumer of commodity and/or service and/or currency means (such as, cash) can ask secondary Credit Provider by the cost payment of bought commodity and/or service to businessman.Described secondary Credit Provider can be any third party (such as, any financial institution, producer itself) being ready to provide with funds to described transaction.According to another embodiment, existing hereinafter described can be that tissue pays by instalments the side (such as, independently third party, businessman, secondary Credit Provider, main Credit Provider) operated with transaction system.

According to some embodiments of the present invention, secondary Credit Provider can provide refund condition (such as, monthly payment/monthly payment plan) by the capital that paid by secondary Credit Provider and/or finance charge (expense of interest or any other kind) to consumer.Secondary Credit Provider can by amount of money securitisation, and this amount of money pays businessman together with the credit line being supplied to consumer by main Credit Provider (such as credit card company).Simultaneously to businessman's payment or before paying to businessman, financier (such as, secondary Credit Provider) the remaining amount due (such as, interest, commission, any other additional expense and possible fine) comprising finance charge can be asked from main Credit Provider's credit authorization.

According to another embodiment, can by securitisation with the monetary cost/expense/transaction of Types Below: actual transaction cost; Finance expense (such as, described above); Any additional expense, the fine relevant to secondary credit and/or fine; Cause the payment that commodity, real estate etc. damage; The payment of the expense relevant to potential transaction, fine and/or fine; The payment of tax, insurance and/or other relevant to potential transaction pay, be correlated with the tissue of secondary credit, be correlated with monthly payment plan organise payment, with the payment of the expense organizing the use of hereinafter described transaction system to be correlated with and fine, etc.

According to another embodiment, according to various algorithm, various cost, expense, fine and/or loss can be distributed to partial payment (monthly payment plan), this algorithm comprises but is never confined to following situation: (i) each monthly payment plan is single-candidate; (ii) the overall amount of money of some expenses or full payment is included in the first monthly payment plan; (iii) all above-mentioned mentioned costs are in fact by identical algorithm assigns, to a certain extent substantially similar in appearance to the distribution of the interest in many real estate loans; (iv) stop to lease/complete/terminate the serial part that relevant cost, loss, expense and fine become extra; V cost that () is relevant to the premature termination of transaction, loss, expense and fine are added in monthly payment plan in current monthly payment plan or extra; (vi) based on the consideration possibility of account and the personal information of consumer, and the algorithm of other relevant considerations, cost, loss, expense and fine are added in the amount of money of securitisation.

According to some embodiments of the present invention, based on the refund condition of arranging between secondary Credit Provider and consumer, secondary Credit Provider can ask the partial payment of the credit of authorizing from main Credit Provider.Because each credit authorisation lost efficacy or lost efficacy based on some behaviors within the predefined time cycle, by the credit authorisation of consumer by the remaining remaining sum of application again off and on, secondary Credit Provider can to owe it any remaining remaining sum carry out securitisation again.

According to some embodiments of the present invention, above-mentioned securitisation again can be performed again and transfer accounts and circulate until all payables at maturity are all transferred to secondary Credit Provider.When securitisation failure again, whole remaining remaining sum can be transferred to secondary Credit Provider from consumer based on the performed up-to-date main Credit Provider of preferential hundi request by described secondary Credit Provider.

According to some embodiments of the present invention, provide the system and method for promoting the transaction relevant to having the commodity of cost, service or praedial purchase based on credit.According to some embodiments of the present invention, the data of instruction commodity or cost of serving can be received over data networks.Transaction cost then can for the line of credit provided by main Credit Provider securitisation over data networks.When securitisation, secondary Credit Provider can provide with funds for transaction.Secondary Credit Provider can receive off and on transaction cost partial payment and simultaneously off and on to undischarged transactions balances securitisation again.

According to some embodiments of the present invention, transaction system can comprise one or more trading server, and this trading server comprises the collective's steering logic being applicable to following situation: (1) receives the data of instruction commodity or cost of serving over data networks; (2) securitisation is carried out for the cost of the line of credit provided by main Credit Provider to transaction over data networks; (3) when securitisation, for transaction is provided with funds; (4) pay from main Credit Provider's receiving unit off and on; And (5) carry out securitisation again to undischarged remaining sum off and on.

According to some embodiments, the transaction between businessman and consumer may relate to businessman provides commodity, service, real estate, lease service, financial service and/or their combination in any to consumer.Transaction can be traditional business transaction, online transaction, move transaction and/or known or will in the transaction of any other type of futuristic design now.

According to some embodiments, businessman can be the retailer of commodity and/or the supplier of following service, such as: (1) financial service, (2) banking service, (3) lease service, (4) communication service, (5) medical services, (6) tourist service, (7) currency conversion services, or any other commodity or service.Businessman can provide commodity, service, cash or real estate by following mode to client: (1) in the point of sale having people to control (such as, cashier's machine), (2) by automation equipment (such as, commodity divider, ATM (automatic teller machine), etc.), (3) by online e-commerce website or by settling accounts application online, and/or (4) pass through mobile business affairs system.

According to some embodiments, client can by the second obligee (secondary Credit Provider) in given trading time period or function or the availability of setting up transaction payment before a given transaction.As the part set up payer and the second obligee and arrange, client can provide personal information and Financial Information to comprise: (1) name, (2) address, (3) ID (identity number) card No. (Social Security Number), and one or more identifiers of (4) principal debtee's account (such as, credit card), for the identifier of this principal debtee's account, the second obligee can make the safety of the refund of the payment made or make the second obligee represent other consideration safety of client's expansion.

According to some embodiments of the present invention, as being shared a part for serial transaction cost/amount of money, commodity and/or service and/or currency means are (such as, cash) consumer can utilize payments mechanism or token, such as Payment Card or the on-line payment application that provided by secondary Credit Provider.Use the payments mechanism of secondary Credit Provider may cause secondary Credit Provider: (1) checking trade detail; (2) checking is enough to be used in the availability of the one or more main line of credit covering dealing money, and (3) obey (1) and (2), to pay the some or all of cost in the cost of commodity and/or the service bought to businessman.Secondary Credit Provider can be any third party (such as to merchant payment) being ready to provide with funds to described transaction.

According to some embodiments of the present invention, the partial payment of transaction cost can from main Credit Provider, or directly from the buyer of commodity or service, or receives from any other people and/or the entity that represents this buyer.In addition, such transaction cost can be received by any above-mentioned involved means or their combination.According to some embodiments of the present invention, when securitisation again failed, the whole remaining sums that secondary Credit Provider can receive autonomous Credit Provider pay or receive from identical main Credit Provider or from use the different account of consumer or other individual or entity account (before the instruction of consumer, or before the allowance of current consumption instruction and such individuality and entity or the current allowance of such individuality and entity) the securitisation again of other Credit Provider.

According to another embodiment, partial payment (monthly payment plan) can be received from buyer, and this buyer uses directly the transferring accounts of any other account from bank account or buyer; By using check or draft, the draft opened by buyer's bank account or any other account, the check that may be called " cashier's check "-open by the general credit of property and/or bank; By any debit card; By any credit card; By any financial instrument; Pass through cash; Pass through remittance; Pass through token; By paying (comprising E-Payment on the internet) by mails; By the E-Payment (such as, ' network money ') of token; And/or any other method by designing known or future now.Any account, any debit card, any credit card etc., need not mean account or the debit card/credit card of buyer, but can refer to any other individual or entity any account, debit card/credit card etc.

According to another embodiment, the credit of the securitisation that circulates again may be used for leasing the payment of the payment of (taxi), commodity and/or service, or praedial payment.In addition, such means may be used for the securitisation of payment on terms (such as, timing monthly payment plan, as monthly paid); The payment of the damage of leased property or any other payment damaged; The payment of the various fines relevant to credit, expense fine; The payment of the various fines relevant to potential transaction, expense and fine, comprises and stops to lease or terminate relevant various expenses, fine and fine; And/or the tax relevant to potential transaction, premium of insurance, public payment cost etc.According to some embodiments, the credit of the securitisation that circulates again can allow buyer to avoid: the pre-paid of bank guarantee, guaranty money, cleaning expense, some rents cycle/pre-paid of the moon, the cash pledge of key, the pre-paid of possible damage, and/or premium of insurance, tax pre-paid, and/or public payment and any other pre-paid.

The United States Patent (USP) 8,290,864 owned together by applicant, is incorporated to herein with its entirety accordingly by quoting.

The brief description of exemplary drawings

Be regarded as theme of the present invention point out especially and clearly protection instructions conclusion part in claimed.But, when reading adjoint exemplary drawings, by reference to the following detailed description, the present invention can be understood best, about both organization and methods of operation, together with its target, feature and advantage, in the accompanying drawings:

Fig. 1 is according to the description of the some embodiments of the present invention process flow diagram for stage and step of promoting the illustrative methods of instalment trade;

Fig. 2 is that the description of root some embodiments of the present invention is for promoting the chart of the module of the example system of instalment trade.

Fig. 3 is the image of the example transaction arrangement of payment according to some embodiments of the present invention;

Fig. 4 is describing for promoting the chart comprising the module of the example system of consumer interface module, businessman's interface module and main Credit Provider's interface module of concluding the business of root some embodiments of the present invention.

Fig. 5-12 is the securitisation schemes of the various exemplary main Credit Provider manufactured by the example system promoting to conclude the business according to some embodiments of the present invention.

Invention description

During details below describes, carry out setting forth understanding in depth to provide of the present invention to many specific details.But, it will be apparent to one skilled in the art that the present invention can not have to implement under these specific details.In other example, known means, program, assembly and circuit are not described later in detail in order to avoid make the present invention fuzzy.

Unless illustrated especially, otherwise as apparent according to following discussion, it should be understood that, whole instructions discussion uses term such as " process (processing) ", " calculating (computing) ", " calculating (calculating) ", " determining (calculating) ", etc., refer to computing machine or computing system, or the behavior of system of similar electronic computing device or people's operation and/or process.Wherein the system of people's operation will represent the data manipulation of physics (electronics, quantity in the register of such as computing system and/or storer) and/or be converted into other data of the physical quantity be similar in expression computing system storer, register or other such information memory, transmission or display device.

Embodiments of the invention can comprise the device for performing operation herein.Such device can build especially for desired object, or it can comprise multi-purpose computer, and this multi-purpose computer is optionally activated by the computer program stored in a computer or reconfigures.Such computer program can store in a computer-readable storage medium, such as, but be not limited to the disk of any type comprising floppy disk, CD, CD-ROM, magneto-optic disk, ROM (read-only memory) (ROM), random access memory (RAM), EPROM (EPROM), Electrically Erasable Read Only Memory (EEPROM), magnetic or optical card, or applicable store electrons instruction, and the medium of any other type of computer system bus can be coupled to.

In addition, main Credit Provider also can be regarded as credit card card issuer (being supported by credit/bank/other accounts of holder); Secondary Credit Provider also can be considered as the present invention, system of the present invention or referred to as system.But embodiments of the invention, function or ability should not be limited in the embodiment of the secondary Credit Provider described in the application, function or ability by this; Some or all steps that term hundiization can comprise the following steps, are regarded as credit request, credit authorisation and the credit with relative time period and the amount of money and clear; Consumer also can be regarded as buyer, consumer, client, credit cardholder or referred to as holder; And partial payment (the refund condition based between secondary Credit Provider and consumer) also can be regarded as monthly payment plan.

Process in this paper and display are not relevant to any specific computing machine or other devices inherently.Various general-purpose system can with use together with the program of religious doctrine herein, or it can demonstrate and is convenient to build more professional device and performs desired method.To occur in the following description for the structure desired by these systems various.In addition, embodiments of the invention are not described with reference to any specific programming language.It should be understood that various programming language can be used for realizing the religious doctrine of invention as described herein.

The present invention is a kind of system and method promoting to conclude the business.According to some embodiments of the present invention, as businessman and commodity and/or service and/or currency means (such as, cash) consumer/client between a part of concluding the business, it can be initiated in any accessing points or is initiated (such as by any accessing points, online, point of sale, ATM (automatic teller machine)), consumer can ask transaction cost to be divided into one group of payment/monthly payment plan, and by one group of payment/monthly payment plan, cost can be split on a period of time.Described one group of payment and described a period of time can be predefined or predetermined.

[type of transaction]

According to some embodiments, the transaction between businessman and client can relate to commodity that businessman provides client, service, financial service and/or their combination any.Transaction can be traditional business transaction, online transaction, move transaction and/or knownly now to want or the transaction of other type any at futuristic design.According to some embodiments, businessman can provide convertible financial instrument to client, the currency, bearer bond etc. of such as one or more country.The type of all existing or possible in the future transaction between the consumer of businessman and commodity and/or service can by various embodiment support of the present invention (such as, online/internet; Point of sale; ATM (automatic teller machine), etc.).

[system, interface and customer characteristic]

According to some embodiments of the present invention, provide a kind of for promoting the method and system of the transaction relevant to the purchase of the commodity or service with cost based on credit.According to some embodiments of the present invention, the data of the cost of instruction commodity or service can receive over data networks.Transaction cost then can on data network for the line of credit provided by main Credit Provider by securitisation.When securitisation, secondary Credit Provider can provide with funds for transaction.Secondary Credit Provider can receive partial payment and the simultaneously undischarged transactions balances of securitisation more off and on of the cost of transaction off and on.

According to some embodiments of the present invention, transaction system can comprise one or more trading server, and this trading server comprises the collective's steering logic being applicable to following situation: (1) receives the data of instruction commodity or cost of serving over data networks; (2) for by line of credit that main Credit Provider provides, the cost of securitization transactions over data networks; (3) when securitisation, for transaction is provided with funds; (4) partial payment of autonomous credit provider is received off and on; And (5) undischarged remaining sum of securitisation more off and on.

The stage of illustrative methods and the process flow diagram of step that describe for promoting instalment trade is shown in FIG according to some embodiments of the present invention.The Part I of process starts with the agreement of the cost of the commodity between businessman and buyer or service.Once price is arranged, buyer by the service (monthly payment plan) of the secondary Credit Provider of terminal request of businessman or businessman, and can receive by the terminal of businessman or businessman the refund condition provided by secondary Credit Provider conversely.Buyer then can: acceptable conditions, ask another refund to provide, or determine that he loses interest in.Secondary Credit Provider then securitisation passes through whole dealing money (comprising financing expense) of main Credit Provider and pays whole dealing money to businessman.In the Part II of process, secondary Credit Provider attempts the remaining transactions balances of securitisation by main Credit Provider again.If main Credit Provider authorizes the securitisation of remaining transactions balances, the then secondary Credit Provider partial payment (the refund condition based on buyer) of ordering main ISP to be its payment authorization sum and cancel the up-to-date senior issue completed by main ISP, this iteration can repeat until the complete amount of money of concluding the business pays the second Credit Provider.Another aspect, if main Credit Provider does not authorize the securitisation of the remaining sum of remaining transaction, then the secondary Credit Provider all remaining remaining sum (the up-to-date prior authorization based on main Credit Provider) of ordering main ISP to come for its payment transaction.

According to some embodiments of the present invention, securitisation module goes for the data receiving instruction commodity or cost of serving on a data network.These data can receive from according to selected merchant agent a group that comprise terminal merchant agent, online merchant agent, checkout supplier agency and extract cash agency.Securitisation module can also be applicable to receive the data relevant to the number of described partial payment and/or the amount of money.According to some embodiments of the present invention, securitisation module goes for the line of credit provided for main Credit Provider, securitization transactions cost, and securitisation can comprise startup credit request and receive credit authorisation.

According to some embodiments of the present invention, module of transferring accounts goes for when its securitisation, provides transaction funds (such as, by the businessman of transfer fund to commodity/service).According to some embodiments of the present invention, fund receiver module goes for receiving the partial payment of autonomous Credit Provider off and on or receiving the absolute payment of autonomous Credit Provider.Whole remaining sum that fund receiver module can also be applicable to receive when securitisation is failed more autonomous Credit Provider pays.According to some embodiments of the present invention, to the transfer of the fund of businessman only with commodity transporting is completed to during consumer.

According to some embodiments of the present invention, securitisation module can also be applicable to off and on the more undischarged remaining sum of securitisation.Securitisation can comprise startup credit request and receive credit authorisation again.

The chart of the module described for promoting the example system of concluding the business is shown in fig. 2 according to some embodiments of the present invention.Buyer is initiated through the transaction of extracting cash agency (CWA), checkout supplier agency (CPA) or merchant agent (MA) (such as online merchant agent or terminal merchant agent).(secondary Credit Provider's) securitisation module of system then can perform the mandate of the whole transaction amount credit by main Credit Provider, when successful credit authorisation (securitisation), secondary Credit Provider is that whole dealing money is provided with funds and whole dealing money is transferred to the businessman of the module of transferring accounts using it.Based on the instalment plan agreed to by buyer, secondary Credit Provider off and on (such as, before each monthly payment plan expires) asks the credit authorisation of remaining sum sum.The credit request of each remaining sum sum is authorized to, secondary Credit Provider again securitisation eliminates current serial remaining remaining sum, asks main Credit Provider current serial sum is transferred to it and uses its fund receiver module to receive it.If the credit request of remaining sum sum is not authorized to, then secondary Credit Provider is based on the up-to-date prior authorization completed by main Credit Provider, asks main Credit Provider by whole balance transfer of transaction to it.

The image of exemplary transaction payment arrangement agreement is shown in figure 3, wherein based on the son sum of transaction, monthly payment plan number and the interest that calculates according to some embodiments of the present invention; The sum (after calculating and display first serial payment) of first serial amount and remaining sum.

According to some embodiments of the present invention, as a part of sharing serial cost, the consumer of commodity and/or service and/or currency means (such as cash) can ask secondary Credit Provider to pay the cost of commodity and/or the service bought to businessman.Described stimulation Credit Provider is willing to mean any third party (such as, any financial institution, businessman oneself, any other individual or entity) that described transaction provides with funds.

According to some embodiments of the present invention, secondary Credit Provider provides the refund condition of capital and/or the finance charge (such as, the expense of interest or any other type) that will be paid by secondary supplier (such as monthly paying/monthly payment plan) to consumer.Secondary Credit Provider securitisation can will pay businessman and have the amount of money being provided to the line of credit of consumer by main Credit Provider (such as credit card issue business).Pay businessman or before paying businessman simultaneously, financier (such as, secondary Credit Provider) main Credit Provider can be asked the credit authorisation comprising the remaining amount of money taking (such as, interest, commission, any other additional expense) of financing.

According to some embodiments of the present invention, secondary Credit Provider, based on the agreement of the refund condition between secondary Credit Provider and consumer, asks the partial payment of the mandate credit of main Credit Provider.Because each credit authorisation lost efficacy or lost efficacy based on some behaviors within the predefined time period, thus secondary Credit Provider by consumer by ask again off and on the credit authorisation of the remaining sum be left can again securitisation owe its any remaining remaining sum.

According to some embodiments of the present invention, the transfer cycle of above-mentioned securitisation again and money can be merely re-executed until all overdue payments are transferred to secondary Credit Provider.When securitisation failure again, all remaining remaining sum can be transferred to it from consumer based on the performed up-to-date preferential main Credit Provider of hundi request by described secondary Credit Provider.

According to still another embodiment of the invention, by to some remaining remaining sums of owed secondary Credit Provider or all remaining remaining sums securitisation again, only before the payment of each difference payment of the buyer/person of paying in cash, parallel or only after the payment of each difference payment of the buyer/person of paying in cash (namely, before each previous hundi expires/parallel/afterwards [time or behavior are initiated]), non-risk of collecting sum can reduce or minimize.

[role/identity of main Credit Provider and secondary Credit Provider]

According to some embodiments, businessman can be commodity, real estate, the retailer of cash and/or the supplier of following service, such as: (1) financial service, (2) banking service, (3) lease service, (4) communication service, (5) medical services, (6) tourist service, (7) currency conversion services, or any other commodity or service.Businessman can provide commodity or service to client: (1) in the point of sale having people to control (such as, cashier's machine), (2) by automation equipment (such as, dispenser, ATM (automatic teller machine), etc.), (3) by online e-commerce website or by on-line payment application, and/or (4) are by mobile business affairs system, or by now known or will in any mode of futuristic design.

According to some embodiments, retailer also can provide financial service, such as, provides a loan or otherwise provide currency to client to client.According to some embodiments, businessman or commodity and/or service can as secondary Credit Provider.Such as, retailer can provide the financing of following purposes to client based on the securitisation provided by one or more main Credit Provider: (1) instant synthetic gold loan; (2) commodity purchase, lease or lease; And/or (3) service.According to some embodiments, secondary Credit Provider may be any bank and/or authorize alliance and/or any financial institution and/or any other entity and/or individuality.

According to some embodiments, main Credit Provider can be credit card card issuer, financial institution, credit cooperative and/or expansion and/or allotment credit and/or payment services and represent any other entity of client.

[setting up the option of the availability/function of secondary obligee (transaction payment person)]

According to some embodiments, client can set up by the function of secondary obligee (secondary Credit Provider) transaction payment during the given friendship phase or before a given transaction or availability.As the organizer's part of agreement setting up the buyer and secondary obligee or secondary credit, client can provide personal information and Financial Information, these information comprise: (1) name, (2) address, (3) ID (identity number) card No. (such as, Social Security Number), and one or more identifiers of the account of (4) principal debtee (such as, credit card), for this identifier, the second obligee can guarantee the refund of the payment made by the secondary obligee representing client or other safety considered of expansion.According to other embodiment, one group of main account instruction of the main line of credit as bank is provided to client, it may be used for the relevant cost of securitization transactions, and client can specify: (1) when the securitization transactions amount of money, the order of main account or the preference of right of priority; (2) the preferred ratio of the securitisation of the dealing money in multiple principal debtee's account is divided, and (3) any other rule or parameter, when representing client's authorized transactions, this parameter can by securitisation module use according to an embodiment of the invention.According to other embodiment, identifier is provided to client, and use other people one or more and/or entity (such as, company, kinsfolk and/or friend) the account of principal debtee, such individual and/or entity have been agreed to allow their credit function/account be used by client or to finance.

Consumer interface, optional network interface can be comprised according to the computer system of embodiment, the account of one or more secondary obligee can be set up and/or adjust by these two interface clients.To set up and adjustment can comprise and provides or change information as above and parameter, and specify or reassign: (1) when the securitization transactions amount of money, the preference of main account order or right of priority; (2) the preferred ratio of the securitisation of the dealing money of whole multiple principal debtee's account is divided; And (3) any other rule or parameter, when representing client's authorized transactions, this parameter can by securitisation module use according to an embodiment of the invention.

The distribution of the token promoting transaction can be comprised such as: the credit card of (1) secondary Credit Provider according to the foundation of the secondary creditor's account of embodiment, (2) digital token or the be used to homologue of authorizing in online transaction, (3) the Mobile solution assembly for using together with mobile payment, and/or (4) promote any other pay token or means that are known or that will design in the future now.Token can be specific to given clients account, and can be used when initiating transaction according to an embodiment of the invention by user.Token can comprise one or one group by according to the computerized transaction authorisation system of embodiment can customer identifier, the step required with the exchange initiating to identify and authorize wherein client to wish to carry out.

The chart describing the module for promoting the example system of concluding the business comprising consumer interface's module, businessman's interface module and main Credit Provider's interface module is shown in the diagram according to embodiments of the invention.Consumer uses consumer interface's module to visit and edit/upgrade the record/attribute of the consumer/consumer of secondary Credit Provider, add or change personal data, his list of main Credit Provider, their service condition and or about the particulars of himself and/or any other feature of his main Credit Provider.Businessman's interface module is used by businessman, and for sending, secondary Credit Provider serves, the request of the fund of consumer transaction, and receives replies of these requests.Main Credit Provider's interface module ((securitisation module) by the attribute based on the main Credit Provider by businessman and consumer the securitisation request of trade detail that supplements be sent to one or more main Credit Provider and receive conversely from the reply (such as, authorize/not authorizing/section entitlement) handled by one or more main Credit Provider.

According to some embodiments of the present invention, reimbursement program can owing to not providing the product or service or other reason any that correctly return and initiating, for buyer and/or to other each side, it can prove to have the money refunded to some or all in purchase or finance charge.Financier (such as, secondary Credit Provider) can fetch details that ' reimbursement ' conclude the business and correspondingly can buy the amount of money to part or to all buying amount of money debit businessman.Outside debit amount, main Credit Provider's reimbursement can be ordered, otherwise some or all and some of also not paying in its full amount of buyer in the amount of money paid buyer carry out reimbursement.

According to some embodiments of the present invention, described means can be used for outside pool, maybe can allow or enable the cooperation of any consumer, Credit Provider, businessman, assignee, publisher or other one or more independently outside or inside entities, so that promote serial means described hereinbefore.In addition, the outside of these serial transaction or knockdown financing are (such as, by outside/third party/secondary Credit Provider) can be utilized and one or more secondary financing by credit source can be enabled, or from the existing Au plasma of different businessman, this may be or may not be carry out custom-made for such service, and may be or may not be the financing entity of the transaction recalled.

According to some embodiments of the present invention, one is provided to be applicable to promote businessman and commodity and/or service and/or currency means (such as, cash) consumer between the transaction system of credit transaction, this credit transaction can be initiated in any accessing points or be initiated by any accessing points (such as, online, point of sale, ATM (automatic teller machine)).

As transaction system, or functionally relevant to a transaction system part, merchant agent, checkout supplier agency can be provided or extract cash proxy module.Merchant agent, checkout supplier agency or extraction cash proxy module can visit (such as by any accessing points, online, point of sale, ATM (automatic teller machine)/ATM), go for providing by financier (such as to consumer, secondary Credit Provider) the refund condition of the capital of businessman to be paid and finance expense (such as, interest or any other expense), a period of time can be split in upper (such as by such cost, monthly pay, pay by instalments), and initiate such transaction when being ratified by described consumer.

As transaction system, or functionally relevant to a transaction system part, securitisation module can be provided.Securitisation module can be adapted to by asking main Credit Provider (such as, credit card card issuer or other Credit Provider) the credit authorisation of complete amount of money form, can add that financing expense carries out securitisation by using the line of credit being supplied to consumer to the amount of money will paying businessman.Described securitisation module can also be applicable to from main Credit Provider's request to the credit authorisation of remaining amount due, and this remaining amount due comprises pays businessman or the finance charge before paying businessman simultaneously.

[type of transaction payment authorization details-securitisation]

According to some embodiments of the present invention, as the part will sharing serial transaction cost/amount of money, commodity and/or service and/or currency means are (such as, cash) consumer can utilize by stimulating the payments mechanism that provides of Credit Provider or token, such as Payment Card or on-line payment are applied.Use the payments mechanism of secondary Credit Provider can cause stimulating Credit Provider to perform following steps: the details of (1) qualification transaction; (2) check the availability being enough to the one or more lines of credit covering dealing money, and (3) obey (1) and (2), pay some or all costs of commodity and/or the service bought to businessman.Secondary Credit Provider is ready to provide with funds any third party of (such as, to businessman pay) to described transaction.

According to some embodiments of the present invention, the dealing money comprising finance charge provided by secondary Credit Provider such as can be supplied to one or more lines of credit of consumer by securitisation for by one or more main Credit Provider.Based on described securitisation, secondary Credit Provider can pay the dealing money generally including finance charge to businessman.According to some embodiments, the amount of money for any one the institute's securitisation in one or more main line of credit can be the amount of money of the fixing amount of money, fixing number percent or dynamic calculation.According to embodiment, wherein undischarged remaining sum for two or more line of credit by securitisation, the amount of money selected by each in two or more main line of credit can be dynamically selected, so that the risk alleviating any one decline in main Credit Provider is with by the part securitisation selected by their securitisation.

As transaction system, or functionally relevant to a transaction system part, can module of transferring accounts be provided.Module of transferring accounts goes for, and when described main Credit Provider authorizes, orders the businessman that the whole purchase/cash withdrawal amount eliminating finance charge from secondary Credit Provider to be transferred accounts to.

According to some embodiments of the present invention, described securitisation module can also be applicable to by consumer by ask again off and on the credit authorisation of the remaining sum be left and again securitisation owe any remaining remaining sum of secondary Credit Provider.Described module of transferring accounts can also be applicable to when the securitisation again of remaining remaining sum, asks main Credit Provider according to the refund condition of making an appointment (such as monthly paying), current payment to be transferred accounts to secondary Credit Provider from consumer.

According to embodiments of the invention, above-mentioned securitisation again can be performed again and the secondary Credit Provider of circulating until all payables at maturity are all transferred accounts to that transfers accounts.When securitisation failure again, described module of transferring accounts can also be applicable to all remaining remaining sum to be transferred accounts to financier (such as, secondary Credit Provider) from consumer based on the performed main Credit Provider of up-to-date preferential hundi request.

According to another embodiment of the invention, described securitisation module go for just before each serial purchase/cash withdrawal pays, parallel or just after each serial purchase/cash withdrawal pays again securitisation institute owe some or all remaining sums be left in the remaining sum be left of secondary Credit Provider (namely, before hundi before each expires [time or behavior are initiated]/parallel/afterwards), therefore reduce or minimize the non-risk withholding total value.

[method/option of refund and again securitisation]

According to some embodiments of the present invention, the partial payment of transaction cost can receive from main Credit Provider or directly receive from the buyer of commodity or service.According to some embodiments of the present invention, when securitisation is failed again, secondary Credit Provider can receive whole remaining sum from main Credit Provider and pay.

According to some embodiments of the present invention, the partial payment received by secondary Credit Provider can be one in one group of equal partial payment one or one group of non-equal partial payment.Size and the timing of the payment received can be determined according to predefined payment scheme, and the amount of money that partial payment can also be substantially equal to provided fund adds that financing expense is divided by the payment number that will complete.

According to some embodiments of the present invention, can initiate the repetitive cycling of securitisation, wherein each circulation can comprise again: the securitisation again of remaining remaining sum; And the current payment (such as, by by main Credit Provider be supplied to the line of credit of consumer) of the secondary Credit Provider that will to transfer accounts based on the conditional request of being made an appointment by consumer.

According to some embodiments of the present invention, after all payables at maturity transfer accounts secondary Credit Provider, the circulation of described repetition can stop.When securitisation failure again, all remaining remaining sum is transferred accounts it from consumer based on the performed main Credit Provider of up-to-date preferential hundi request by described secondary Credit Provider.

According to some embodiments of the present invention, over data networks securitisation and/or again securitization transactions cost can comprise distribution credit request and receive credit authorisation.According to some embodiments of the present invention, the reception of the interval of partial payment also comprises the relevant reception of finance costs of transaction and/or the reception of commission cost.

More basic embodiments, may use the different requests that is cycled to used in authorize and ask the payment from one or more main Credit Provider.Normal circulation can be monthly circulate, but if for the needs of any reason, circulation can be different.Such as, for asking the circulation of authorizing may be 25 (25) sky.

Such as, the circulation that request pays will be one month.More particularly:

1. buy and occur in March 1 and authorize requested and be received in March 1.

2. authorize in request on March 25 and reception.Pay in request on April 1 and reception.If just in case the request of authorizing is rejected, we have over 5 days and adopt remedial measures, and such as, repeatedly ask to authorize, and/or another credit card of requesting consumption person.Just in case blackout, we may have time enough, run well completely because electric system becomes in two or three days usually.

3. authorize in request on April 19 and reception.Pay in request in 1 day on the 5th and reception.

4 authorize in request on May 14 and reception.Pay in request on June 1 and reception.

5. authorize in request on June 8 and reception.Pay in request on July 1 and reception.

6. authorize in request on July 3 and reception.Pay in request on August 1 and reception.

7. authorize in request on July 28 and reception.(noting: the request in this step with no authorized)

8. authorize in request on August 22 and reception.Received September 1 and pay.

9. authorize in request on September 16 and reception.Pay in request on October 1 and reception.

10. authorize in request on October 11 and reception.Pay in request on November 1 and reception.

11. authorize in request on November 6 and reception.Pay in request on Dec 1 and reception.

12. authorize in request on Dec 20 and reception.Pay in request on January 1 and reception.

13. authorize in request on January 4 and reception.Pay in request on February 1 and reception.

14. authorize in request on January 29 and reception.(noting: the request in this step with no authorized).

15. authorize in request on February 22 and reception.Pay in request on March 1 and reception.

16. authorize in request on March 18 and reception.Pay in request on April 1 and reception.

17. authorize in request on April 13 and reception.Pay in request on May 1 and reception.

Therefore, in such example, dual-license can occur over just in last 5 (five) skies in authorizing for 30 days.The record of main Credit Provider is probably removed in the mandate of 25 days.

In above-mentioned example, between what the current mandate completed and one that comes into force at present authorized expire, always there is the difference/overlap of 5 days.The 5 day time (in this example embodiment) is like this for ensureing: (i) is just in case mandate is rejected, time enough is had to take remedial action, such as, again attempt securitisation, get in touch with another securitisation source of consumer (namely, another main line of credit, another card of such as client, or any other card ratified in advance or at present by these individuality/entities that is individual and/or entity)); (ii) in most of blackout/brownout situation, or in system of the present invention or functionally relevant to it external system (such as, communication system) in any other bust when, 5 days for recovery electric power be time enough; (iii) to attack at a large amount of hacker/Malware/networking, or when in house software fault, like this can to inner or external event relevant (the fault 2K such as, in 2000); (iv) any other inner and/or external event.

According to other embodiment, system can allow to pay and authorize the adjustment of circulation so that meet possible threat head to head.According to embodiment other again, such payment circulation and mandate circulation dynamically can adjust when perceiving different or extra threat; Response is made to the request that the side (consumer/businessman/secondary Credit Provider) in many ways makes; And/or by government organs or quasi-government organization, make response by main main credit system or any other entity to the change in supervision environment.

According to some embodiments of the present invention, secondary Credit Provider can be suitable for process reimbursement program, and it is not provided, does not correctly give back and maybe may prove that other reason any to the reimbursement of some or all in the purchase of buyer and/or other side or finance charge is initiated due to product or service.Secondary Credit Provider can also be suitable for the trade detail of recovery " reimbursement " and can therefore buy the amount of money about part or about whole purchase amount of money, businessman be charged to the debit of account.Depart from debit amount, it can order main Credit Provider to return, or can otherwise return, some or all the payments in buyer, and some or all in the amount of money also do not have purchased person to pay it.

According to some embodiments of the present invention, described system goes for outside pool, maybe can allow or enable any consumer, Credit Provider, businessman, credit card assignee, credit card card issuer, there is the organizer of the transaction paid by instalments, or other is independently one or more, the cooperation of outside or inside entity, so that promote above described serial means.In addition, described system goes for allowing the use of the outside of these serial transaction or knockdown financing (such as by outside/third party/secondary Credit Provider), and therefore can enable one or more secondary financing by credit source, and/or from the cash withdrawal of different businessman, this financing entity that can or cannot custom-made be carried out for such service and maybe can cannot recall transaction.

According to embodiments of the invention, payment plan can be modified and can customize for consumer, such as, postpones first time payment, changes payment scheme according to consumer and in many ways agreed to definite plan.According to some embodiments, payment plan can revising any time after signing of reaching an agreement on consumer, so that adapt to the current demand of consumer.According to some embodiments, the amendment of such payment plan can be predetermined function, or can occur as the result of the predetermined function of certain external factor (change in the price rate of such as, loan).

According to other embodiment, consumer can prepay whole undischarged remaining sum or the undischarged remaining sum of part payment-in this case, can in several ways in one or more revise his payment plan, this several mode comprises: reduce monthly payment plan at least some the amount of money, reduce serial issue, etc.

According to some embodiments of the present invention, be rejected if paid at present, the payment from different sources and/or the securitisation that can complete from separate sources can be accepted, such as, the credit card other from consumer or from the other individual of request or the entity of following consumer.

According to some embodiments of the present invention, transaction can be provided with funds by businessman [[and completely different from exogenous investment person]].

According to some embodiments of the present invention, transaction funds can be divided (such as, businessman, fund mechanism, liquidation organization, or any other mechanism) by between several collection person

Such as, according to some embodiments of the present invention, when by systems buying or when leasing car, ship, house and Geng Duo, can provide with funds by down payment cost being divided into monthly payment plan (all or part of) for the down payment of leasing or mortgaging.The fund of such down payment can be provided by any main Credit Provider.

According to some embodiments of the present invention, system may be used for offering loans with serial form, this monthly payment plan can the monthly payment of credit or debit card directly by being used by consumer, directly to the bank account of consumer or otherwise collect.Such credit can by principal debtee's securitisation (such as, by credit card card issuer, credit cooperative or bank, non-banking credit card card issuer).

According to some embodiments of the present invention, consumer can open an account in systems in which, wherein they can upgrade the particulars of other credit card, in order to allow the collecting of the reality between the securitisation of the ongoing mandate of system divides/again and different cards according to the instruction of consumer or intrasystem criterion, or according to the type of credit card (platinum be stuck in gold card before etc.) to divide risk and to increase the chance of concluding the business and reaching.

According to some embodiments of the present invention, if securitisation or of collecting in program from first card are rejected during the fund of consumer provides the phase again, then open an account and system can be made automatically to ask securitisation or approval another card listed by from consumer account to be collected again.

According to some embodiments of the present invention, system can know how to perform by dividing it between the transaction of particular card or a large amount of card of registering in the account of consumer at him, so that the instruction according to consumer or the decision according to system are the mode (such as, collect airline miles, return fund (such as cash reimbursement etc.)) of interests of maximum consumer can maximize the consumer's interests existed in different cards.

According to some embodiments of the present invention, consumer by the account of the buyer in system, can combine or divide re-financing/all existing transaction of securitisation again to some or all in the remaining remaining sum in different transaction.

According to some embodiments of the present invention, automatic system can by the fund of external entity creating to divide between several fund raising institution (simulation fund financial group), and carry out the fund between distributor gear according to the predetermined module wanted and fund raising institution decides through consultation, and relative to the risk in transaction and their promise degree, the mandate of main Credit Provider is attached to fund raising institution.

According to some embodiments of the present invention, system can divide the request of securitisation according to algorithm, wherein this algorithm can in securitisation process, make the chance ratified higher (such as, by a securitisation request is divided into two: one for overdue monthly payment plan another for the remaining amount of money).

Show the scheme of the various exemplary main Credit Provider's securitisation for promoting the example system of concluding the business according to some embodiments of the present invention in Fig. 5-12.

Show the scheme in two exemplary stages in Figure 5 according to some embodiments of the present invention, wherein main Credit Provider is to both mandates following: all initial securitisation of dealing money, and following remaining transactions balances sum.

Show the scheme in two exemplary stages in figure 6 according to some embodiments of the present invention, wherein the first main Credit Provider is not to both mandates following: all initial securitisation of dealing money, and the remaining sum sum of following remaining transaction.Once the failure of each mandate, then secondary Credit Provider is similar to the second main Credit Provider (such as, being listed in consumer's record/attribute of second Credit Provider of consumer) authorizing securitisation.

Show exemplary arrangement according to some embodiments of the present invention in the figure 7, wherein the first main Credit Provider authorized transactions amount of money 50% securitisation.Once authorize the failure of whole dealing money, then secondary Credit Provider is similar to the second main Credit Provider (such as, being listed in consumer's record/attribute of second Credit Provider of consumer) of the securitisation of authorizing remaining dealing money.

Exemplary arrangement is shown in fig. 8 according to some embodiments of the present invention, wherein secondary Credit Provider investigation about the dealing money via the first main Credit Provider securitisation and the first main Credit Provider provides securitisation particulars (such as, the commission of 5%), secondary Credit Provider then investigates the securitisation about the dealing money provided via the second main Credit Provider and the second main Credit Provider provides securitisation particulars (such as, the commission of 2%).Because of the preferred condition provided by the second main Credit Provider, therefore the second Credit Provider carries out the securitisation of main Credit Provider instead of the transaction with the first main Credit Provider with second.

Show exemplary arrangement according to some embodiments of the present invention in fig .9, wherein businessman is main Credit Provider.Second Credit Provider's request and the securitisation mandate received from businessman, based on this mandate, businessman provides with funds to transaction.

Exemplary arrangement is shown in Fig. 10 according to some embodiments of the present invention, wherein, businessman is secondary Credit Provider, its investigation consumer expects to use his which main Credit Provider for securitisation (such as, being listed in consumer's record/attribute of second Credit Provider of consumer) about him.Once receive the selection of the consumer of his preferred main Credit Provider (such as, the second main Credit Provider), then secondary Credit Provider proceed to select main Credit Provider's securitisation.

Show exemplary arrangement according to some embodiments of the present invention in fig. 11, wherein consumer upgrades the record/attribute (add main Credit Provider (the 4th main Credit Provider) and remove another (second main Credit Provider)) of his secondary Credit Provider.

Show illustrative methods according to some embodiments of the present invention in fig. 12, wherein consumer upgrades the record/attribute (All Activity of request increase by 100 dollars is by specific main Credit Provider (the 4th main Credit Provider) securitisation) of his secondary Credit Provider.Therefore, the transaction subsequently of the amount of money of increase by 100 dollars is not had to refer to other main Credit Provider (the first main Credit Provider, the second main Credit Provider or the 3rd main Credit Provider; The first main Credit Provider in this case), on the contrary the transaction subsequently increasing the amount of money of 100 dollars refers to the specific main Credit Provider (being the 4th main Credit Provider in this case) specified by consumer.

According to some embodiments, system described is in this article organized as or is configured to " cloud " or part is " cloud ".

In addition, according to some embodiments, system described is in this article organized as or is configured to perform other task except the task of method described in the present invention.

According to some embodiments, system described herein is organized as or is configured to the applets being adapted to individual and/or entity, wherein on the one hand, this individual or entity can organize the owner of such system and/or the relation of operator, this individual or entity can organize businessman and/or consumer on the other hand, and/or releasee, and/or secondary Credit Provider, and/or the relation of any other side.

In addition, such system is designed to, and is needing on the basis understood, and the relevant information (such as, reporting) of personalization is supplied to each member of applets.Such system can also have the module of the analysis for provided information.When asking, such information provided can be provided when the gap of time.In addition, the member of applets can be provided and there is relevant variable number, automatic signal (such as, SMS, Email) because of the predetermined change of subnumber etc. and/or the predetermined generation of some event.

Applets can have the member of different brackets.This means that the member of applets can have the agreement with the owner of such system and/or operator's (grade 1).Agreement that is individual with other and/or entity (grade 2) can be had the member at grade 1 place.The agreement from different individualities and/or entity (grade 3) can be had the member at grade 2 place.

The number of degrees can held by such system is almost unlimited.

The compensation being supplied to any special member of applets is personalized and can changes, and can use various algorithm to calculate for different environment, event, situation, factor.

In certain embodiments, system described herein is organized as based on various algorithm with because usually holding and organizing sale promotion lottery ticket, bonus, prize, award.Such lottery ticket, bonus, prize, award can be organized for the interests belonging to following classification and/or following all groups of classification and/or are jointly organized individually:

-consumer;

-businessman and/or their employee;

The member of-applets, and/or their employee, and/or to their individuality and the connection of entity;

-principal debtee and/or their employee;

-secondary obligee and/or their employee;

The individuality of-other classification and/or entity;

According to some embodiments, various accumulation bonus can be held and organize to system described herein, including, but not limited to the progressive jackpot of progressive progressive jackpot, random occurrence.These progressive jackpot can be based on various algorithm and factor.These progressive jackpot can for the interests belonging to following classification and/or following all groups of classification by individually and/or jointly and/or part combination organize:

-consumer;

-businessman and/or their employee;

-main Credit Provider and/or their employee;

-secondary Credit Provider and/or their employee;

The individuality of-other classification and/or entity;

Although some feature of the present invention has been illustrated in this article and has described, those skilled in the art will expect many amendments, replacement, change and equivalent now.Therefore, it should be understood that appended claim is intended to cover as drop on all such modifications in true spirit of the present invention and change.

Claims

1. for promote based on credit, buy or lease commodity, service or real estate or a method for relevant transaction of offering a loan to the client with transaction cost, wherein said method comprises:

Receive the data of the described transaction cost of instruction over data networks;

Over data networks for the line of credit provided by one or more main Credit Provider dynamically transaction cost described in securitisation;

Once the refund that interactively is described transaction cost arranges the partial payment scheme of interval, to providing with funds at least partly of described transaction;

Receive the partial payment of the refund of the undischarged remaining sum of described transaction cost off and on; And

Use remaining undischarged remaining sum always will to be carried out off and on the more remaining undischarged remaining sum of securitisation by such scheme of securitisation.

2. method according to claim 1, wherein, described transaction is the type being selected from the group comprising following item: commodity or praedial purchase; Commodity or praedially to lease; Service purchase or lease; Extract cash; The leasing or leasing of house; To the payment of the property damage leased or lease; The payment of the payment of the expense relevant to the termination of leasing or leasing, fine or fine; One group of regular payment; The payment of the expense relevant to the transaction of providing with funds and/or potential transaction, fine or fine; The payment of tax or actuarial cost; And/or the payment of common cost.

3. method according to claim 2, wherein, at least one in described one or more main Credit Provider is selected from the group comprising following item: (1) bank, (2) credit card company, (3) credit cooperative, (4) businessman, (5) manufacturer.

4. method according to claim 3, wherein, comprise for transaction cost described in the line of credit securitisation provided by one or more main Credit Provider over data networks: from the one group of optional Credit Provider identified by client, select one or more main Credit Provider.

5. method according to claim 1, wherein, receives the partial payment of described interval from main Credit Provider.

6. method according to claim 1, wherein, receives the partial payment of described interval from the client of described commodity or described service.

7. method according to claim 1, also comprises: when securitisation is failed again or when paying unsuccessfully at receiving unit, usually requires that the whole undischarged remaining sum from described main Credit Provider pays based on authorizing in advance.

8. method according to claim 1, also comprises: when the failure of securitisation again with the first main Credit Provider, attempt the securitisation again with the second main Credit Provider.

9. method according to claim 1, wherein, the partial payment of described interval equals in fact the summation of the provided with funds amount of money and finance charge divided by planned partial payment issue.

10. method according to claim 1, wherein, transaction cost described in securitisation comprises issue credit request and receives credit authorisation over data networks.

11. methods according to claim 1, wherein, the undischarged remaining sum of securitisation comprises issue credit request and receives credit authorisation more off and on.

12. methods according to claim 1, wherein, the partial payment scheme of the described interval of the refund of described transaction cost is selected at described trading time period or before described transaction by described client.

13. methods according to claim 12, wherein, during the request of the side in each side, the partial payment scheme of the described interval of the refund of described transaction cost is changed after described transaction.

14. methods according to claim 1, wherein, are concluded the business and to be provided with funds by described businessman.

15. methods according to claim 1, wherein, transaction funds is divided by between several funds source.

16. methods according to claim 1, wherein, for buy, the down payment of being provided with funds by described loan is at least partly by by being divided into monthly payment plan to provide with funds by described down payment cost.

Buy or lease the transaction system of commodity, service or real estate relevant transaction based on credit to the client with transaction cost for promoting for 17. 1 kinds, described system comprises:

One or more trading server, it comprises treatment circuit, telecommunication circuit and collective's steering logic, and described collective steering logic is applicable to: (1) receives the data of the described transaction cost of instruction over data networks; (2) on described data network, for the line of credit provided by one or more main Credit Provider, dynamically transaction cost described in securitisation; (3) for the refund interactively of described transaction cost arranges partial payment scheme intermittently, providing with funds at least partly for described transaction is triggered; (4) partial payment of the refund of the remaining remaining sum of described transaction cost is received off and on; And (5) use remaining undischarged remaining sum always will to be carried out off and on the more remaining undischarged remaining sum of securitisation by such scheme of securitisation.

18. systems according to claim 17, wherein, described logic comprises the securitisation module being applicable to transaction cost described in securitisation.

19. systems according to claim 18, wherein, described securitisation module is also applicable to receive and the issue of described partial payment and or total relevant data.

20. systems according to claim 18, wherein, described securitisation module is also applicable to receive the data of instruction from the commodity of merchant agent or the cost of service, and described merchant agent selects from the group comprising terminal merchant agent, online merchant agent, checkout supplier agency and extract cash agency.

21. systems according to claim 18, wherein, described securitisation module be also applicable to as transaction cost described in securitisation a part to initiate credit request and receive credit authorisation.

22. systems according to claim 18, wherein, described logic also comprises transfer of financial resources module, and it is applicable to perform when securitisation provide with funds to described transaction.

23. systems according to claim 18, wherein, described logic also comprises fund receiver module, it is applicable to receiving unit and pays or absolute payment, in addition, system according to claim 18, wherein, described logic also comprises: can receive when securitisation from one or from several secondary Credit Provider, and/or whole fund of the transaction of businessman or the module of part fund; Described logic also comprises the module payment of the fund received from secondary Credit Provider being supplied to described businessman; Described logic also comprises and the payment of the fund received from described consumer is supplied to described businessman and or the module of one or more secondary Credit Provider.

24. systems according to claim 23, wherein, described fund receiver module is also applicable to the whole remaining sum received when securitisation is failed again from described main Credit Provider and pays.

25. systems according to claim 18, wherein, described securitisation module is also applicable to off and on the more undischarged remaining sum of securitisation.

26. systems according to claim 17, wherein, described system be used to distribute monthly payment plan form loan or for providing the loan that form of paying by instalments is refunded.

27. systems according to claim 17, wherein, described steering logic is applicable to the mutual particulars with receiving other Credit Provider with consumer, in addition, system according to claim 17, wherein, such steering logic is applicable to consumer, businessman, secondary Credit Provider and other third party of mandate any mutual, and has warning and alert message are supplied to the module of interested parties automatically by Email, SMS etc.; Also there is module record, report, advice of settlement, mail, Email being automatically supplied to interested parties; Also there is the module providing online communication.

28. systems according to claim 27, wherein, described steering logic is applicable to carry out transaction described in securitisation by specific line of credit or described securitisation divided between some lines of credit.

29. systems according to claim 27, wherein, described steering logic is applicable to ask from the payment of the interval of specific line of credit or described securitisation divided between some lines of credit based on the algorithm for maximizing the interests provided by different lines of credit.

30. systems according to claim 17, wherein, described steering logic is applicable to provide by combining or be divided in some or all of described remaining remaining sum in one group of existing transaction to carry out the option of the securitisation of re-financing/again to described one group of transaction.

31. systems according to claim 27, wherein, if be rejected from first securitisation again of blocking or of collecting in program, described steering logic is applicable to automatically ask the securitisation again of another card amount listed from the account described consumer or approval to be collected.

32. systems according to claim 17, wherein, described steering logic is applicable to, according to predetermined method, between several fund raising institution, divide fund and distribute described fund between described mechanism, and the degree of promise relative to the risk in described transaction and described fund raising institution, the mandate of described main Credit Provider is attached to described fund raising institution.

33. systems according to claim 17, wherein, described system is applicable to the request dividing described securitisation according to algorithm, and described algorithm can make the chance of the approval in securitisation process higher.

34. systems according to claim 33, wherein, described system is applicable to, the previous or current license of and described consumer individual according to other, automatically asks to collect from the securitisation again of the credit card listed the account of these individualities or approval.

35. systems according to claim 17, wherein, the owner of described transaction system or the control of operator are selected from the group comprising following item: described businessman, described secondary Credit Provider, independent parties or their any combination.