JP5852886B2 - オンラインオークションマーケットプレース環境において流動資金を提供するための装置 - Google Patents
オンラインオークションマーケットプレース環境において流動資金を提供するための装置 Download PDFInfo
- Publication number
- JP5852886B2 JP5852886B2 JP2011553011A JP2011553011A JP5852886B2 JP 5852886 B2 JP5852886 B2 JP 5852886B2 JP 2011553011 A JP2011553011 A JP 2011553011A JP 2011553011 A JP2011553011 A JP 2011553011A JP 5852886 B2 JP5852886 B2 JP 5852886B2
- Authority
- JP
- Japan
- Prior art keywords
- loan
- seller
- product
- lender
- amount
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 239000007788 liquid Substances 0.000 title 1
- 238000004891 communication Methods 0.000 claims description 16
- 238000012545 processing Methods 0.000 claims description 15
- 238000012546 transfer Methods 0.000 claims description 14
- 238000000034 method Methods 0.000 description 71
- 230000008569 process Effects 0.000 description 27
- 238000010586 diagram Methods 0.000 description 8
- 230000008901 benefit Effects 0.000 description 7
- 239000003973 paint Substances 0.000 description 7
- 230000005484 gravity Effects 0.000 description 5
- 239000002131 composite material Substances 0.000 description 4
- 238000012790 confirmation Methods 0.000 description 3
- 238000012552 review Methods 0.000 description 3
- 125000002066 L-histidyl group Chemical group [H]N1C([H])=NC(C([H])([H])[C@](C(=O)[*])([H])N([H])[H])=C1[H] 0.000 description 2
- 238000000151 deposition Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 238000013475 authorization Methods 0.000 description 1
- 230000000052 comparative effect Effects 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 239000000284 extract Substances 0.000 description 1
- 230000008713 feedback mechanism Effects 0.000 description 1
- 230000001788 irregular Effects 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/08—Auctions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Entrepreneurship & Innovation (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Description
Claims (11)
- 電子商取引ウエブサイトに商品を掲載中の売主に融資金額を転送するシステムであって、
電子商取引ウエブサイトを運営する電子商取引サーバーと通信する貸付サーバーと、
前記電子商取引ウエブサイトが、訪問者にウエブページを提供し、売主が販売商品を目録化することを許容し、かつ、売主が前記販売商品に値付けすることを許容することと、
ユーザーの信用プロファイル及びそれぞれの信用情報を格納するために前記貸付サーバーと通信する貸付データベースと、
コンピュータ通信ネットワークを使用して資金の転送を開始するために前記貸付サーバーと通信する金融処理アプリケーションとを備え、
前記貸付サーバーは、前記売主のための信用プロファイルを前記貸付データベースから読み出し、少なくとも前記信用プロファイル及び前記電子商取引サイトまたは同様の電子商取引サイトでの前記売主の販売履歴の特性の両方に基づいて、前記売主に融資を発行するかどうかを決定し、もしそうする場合、前記売主に前記融資が利用可能であることと、当該融資の条件とを通知し、もし前記売主が前記融資を受諾する場合、前記金融処理アプリケーションを使用して前記売主に融資金額を転送し、
前記貸付サーバーは、前記融資を発行するかどうかの前記決定において、更に、前記売主が前記決定までに生み出してきた商品の販売量に基づき、前記融資金額を前記販売商品の販売金額とは無関係に決定することで、前記融資金額を前記販売商品の販売金額よりも大きな金額に決定することができるシステム。 - 前記融資を発行するかどうかの前記決定は、前記融資が関連付けられた前記売主による販売商品の特性を考慮するものであり、
前記貸付サーバーは、前記販売商品の特性として、少なくとも、前記販売商品が一定期間内に販売される見込みを考慮する請求項1記載のシステム。 - 前記融資は前記商品により担保される請求項1記載のシステム。
- 前記商品が前記電子商取引ウエブサイトで販売されるとき、前記商品用の支払いは、前記貸付サーバーと関連付けた口座に直接的に支払われる請求項1記載のシステム。
- 前記貸付サーバーが前記融資を発行すると決定する場合、前記貸付サーバーは、前記融資の利用可能な能力を指し示すと共に、前記売主に受諾または拒絶を促す警告を、前記売主のコンピュータに表示開始させる請求項1記載のシステム。
- 前記警告はポップアップウインドウである請求項5記載のシステム。
- 前記融資を発行するかどうかの前記決定は、部分的に、前記売主の前記電子商取引ウエブサイトでの取引履歴に基づく請求項1記載のシステム。
- 前記融資を発行するかどうかの前記決定は、部分的に、前記売主の前記電子商取引ウエブサイトでのフィードバック格付けに基づく請求項1記載のシステム。
- 金銭の貸付プールが、前記融資を含む融資に資金供給するために維持され、前記貸付プールは、部分的に、前記電子商取引ウエブサイトを使用すると共に少なくとも自身の資金の一部を前記貸付プールに転送する投資売主によって資金供給される請求項1記載のシステム。
- 電子商取引ウエブサイトに商品を掲載中の売主に融資金額を転送するシステムであって、
電子商取引ウエブサイトを運営する電子商取引サーバーと通信する、貸主によって維持される貸付サーバーと、
前記電子商取引ウエブサイトが、訪問者にウエブページを提供し、買主が販売商品を目録化することを許容し、かつ、売主が前記販売商品に値付けすることを許容することと、
前記貸付サーバーと通信し、借用売主がコンピュータ通信ネットワークを使用することによって、前記電子商取引ウエブサイトでの販売商品に対して前記借用売主に融資を転送するための金融処理アプリケーションとを備え、
投資売主が、前記電子商取引ウエブサイトを使用して、利息を付けた投資金額の返済の見返りとして、前記貸主が所有する貸付口座に投資金額を転送し、前記貸付口座は、前記金融処理アプリケーションによって処理されると共に前記借用売主に対する前記融資に資金供給するファンドを備え、
前記貸付サーバーは、前記融資を発行するかどうかの前記決定において、更に、前記売主が前記決定までに生み出してきた商品の販売量に基づき前記融資金額を決定するシステム。 - 更に、複数のユーザーの信用プロファイル及びそれぞれの信用情報を格納するために前記貸付サーバーと通信する貸付データベースを備え、前記借用売主に対する前記融資の前記転送の前に、前記貸付データベース及び前記販売商品の特性を使用して、前記借用売主によって融資決定が許可される請求項10記載のシステム。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US15686509P | 2009-03-02 | 2009-03-02 | |
US61/156,865 | 2009-03-02 | ||
US12/436,642 US7983951B2 (en) | 2009-03-02 | 2009-05-06 | Apparatus to provide liquid funds in the online auction and marketplace environment |
US12/436,642 | 2009-05-06 | ||
PCT/US2010/025794 WO2010101842A2 (en) | 2009-03-02 | 2010-03-01 | Apparatus to provide liquid funds in the online auction and marketplace environment |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2012519342A JP2012519342A (ja) | 2012-08-23 |
JP5852886B2 true JP5852886B2 (ja) | 2016-02-03 |
Family
ID=42667643
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2011553011A Active JP5852886B2 (ja) | 2009-03-02 | 2010-03-01 | オンラインオークションマーケットプレース環境において流動資金を提供するための装置 |
Country Status (7)
Country | Link |
---|---|
US (8) | US7983951B2 (ja) |
EP (1) | EP2404273A4 (ja) |
JP (1) | JP5852886B2 (ja) |
AU (4) | AU2010221577A1 (ja) |
CA (1) | CA2753266A1 (ja) |
GB (1) | GB2480045A (ja) |
WO (1) | WO2010101842A2 (ja) |
Families Citing this family (47)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9092828B2 (en) | 2012-09-19 | 2015-07-28 | Mastercard International Incorporated Purchase | Data sharing platform |
US10853890B2 (en) | 2012-09-19 | 2020-12-01 | Mastercard International Incorporated | Social media transaction visualization structure |
US10430873B2 (en) | 2009-03-02 | 2019-10-01 | Kabbage, Inc. | Method and apparatus to evaluate and provide funds in online environments |
US11257149B2 (en) | 2009-03-02 | 2022-02-22 | American Express Kabbage Inc. | Method and apparatus to evaluate and provide funds in online environments |
US7983951B2 (en) | 2009-03-02 | 2011-07-19 | Kabbage, Inc. | Apparatus to provide liquid funds in the online auction and marketplace environment |
US8533110B2 (en) | 2010-06-29 | 2013-09-10 | Sociogramics, Inc. | Methods and apparatus for verifying employment via online data |
US20120078765A1 (en) * | 2010-09-27 | 2012-03-29 | Ebay Inc. | Instant Financial Account Verification Using Direct Connect Data Communication Protocol And Open Financial Exchange Data-Stream Format |
US8606695B1 (en) * | 2011-07-01 | 2013-12-10 | Biz2credit Inc. | Decision making engine and business analysis tools for small business credit product offerings |
US8909551B2 (en) * | 2011-09-22 | 2014-12-09 | Paul Pawlusiak | System and method of expedited credit and loan processing |
US20140074706A1 (en) * | 2011-10-12 | 2014-03-13 | Cu Wireless | Facilitating transaction abilities of multiple financial institutions |
CN103093378B (zh) * | 2011-11-07 | 2017-08-25 | 阿里巴巴集团控股有限公司 | 交易平台数据处理方法及系统 |
US20130339096A1 (en) * | 2012-06-14 | 2013-12-19 | Flextronics Ap, Llc | Method and system for inventory financing and management |
US10255632B2 (en) * | 2012-07-02 | 2019-04-09 | Kabbage, Inc. | Method and apparatus to evaluate and provide funds in online environments |
CN103679437B (zh) * | 2012-09-13 | 2017-10-20 | 阿里巴巴集团控股有限公司 | 一种数据处理方法和系统 |
US9818101B2 (en) | 2013-09-05 | 2017-11-14 | Mastercard International Incorporated | System and method for socially connecting payment card holders |
US20150095210A1 (en) * | 2013-09-27 | 2015-04-02 | Brian Grech | Merchant loan management and processing |
US10650446B2 (en) | 2013-12-25 | 2020-05-12 | Behalf Ltd. | System and method for generating a virtual credit score and a respective virtual credit line |
US20150193743A1 (en) * | 2014-01-06 | 2015-07-09 | NewComLink Inc. | Settlement facilitation hub |
US9830651B1 (en) | 2014-01-29 | 2017-11-28 | Square, Inc. | Crowdfunding framework |
US9786005B1 (en) | 2014-05-26 | 2017-10-10 | Square, Inc. | System and methods for financing merchant business needs |
US10445826B1 (en) | 2014-05-26 | 2019-10-15 | Square, Inc. | Merchant financing system |
US9984412B1 (en) | 2014-05-26 | 2018-05-29 | Square, Inc. | Approaches to location based merchant financing |
US9727912B1 (en) | 2014-05-26 | 2017-08-08 | Square, Inc. | Approaches for merchant financing |
US9407655B2 (en) * | 2014-08-27 | 2016-08-02 | Bank Of America Corporation | Monitoring security risks to enterprise corresponding to access rights and access risk calculation |
US10565642B1 (en) | 2014-10-23 | 2020-02-18 | Square, Inc. | Inventory management with capital advance |
US9836786B1 (en) | 2014-11-13 | 2017-12-05 | Square, Inc. | Intelligent division of funds across merchant accounts |
US10902512B1 (en) * | 2015-01-22 | 2021-01-26 | Square, Inc. | Third party merchant financing |
US9824394B1 (en) | 2015-02-06 | 2017-11-21 | Square, Inc. | Payment processor financing of customer purchases |
US10019698B1 (en) | 2015-02-13 | 2018-07-10 | Square, Inc. | Merchant cash advance payment deferrals |
US9773242B1 (en) | 2015-03-19 | 2017-09-26 | Square, Inc. | Mobile point-of-sale crowdfunding |
KR101788855B1 (ko) * | 2015-03-27 | 2017-10-20 | 남기원 | 소비 연동 금리변동형 금융상품 제공 시스템 |
US9892458B1 (en) | 2015-03-31 | 2018-02-13 | Square, Inc. | Invoice financing and repayment |
US9779432B1 (en) | 2015-03-31 | 2017-10-03 | Square, Inc. | Invoice financing and repayment |
US10453086B1 (en) | 2015-04-01 | 2019-10-22 | Square, Inc. | Individualized incentives to improve financing outcomes |
US11568418B2 (en) * | 2016-09-30 | 2023-01-31 | Block, Inc. | Payment application based fund transfer |
KR101799552B1 (ko) * | 2016-11-04 | 2017-11-20 | 위킵(주) | 판매물품 기반의 p2p대출시스템, 방법 및 프로그램 |
US10692140B1 (en) | 2017-11-15 | 2020-06-23 | Square, Inc. | Customized financing based on transaction information |
US10796363B1 (en) | 2017-11-15 | 2020-10-06 | Square, Inc. | Customized financing based on transaction information |
JP6462167B1 (ja) * | 2018-03-26 | 2019-01-30 | 株式会社スマイルワークス | 情報処理装置、情報処理方法及びプログラム |
JP6650990B1 (ja) * | 2018-11-29 | 2020-02-19 | Base株式会社 | 電子商取引における販売店に資金提供を行うためのコンピュータシステム、方法、およびプログラム |
JP7452946B2 (ja) * | 2018-11-29 | 2024-03-19 | 株式会社メルカリ | 情報処理方法、情報処理装置、及びプログラム |
JP6629415B1 (ja) * | 2018-11-29 | 2020-01-15 | 株式会社メルカリ | 情報処理方法、情報処理装置、及びプログラム |
US20200372572A1 (en) * | 2019-05-22 | 2020-11-26 | Kabbage, Inc. | System, method, and computer readable storage medium to schedule loan transfers |
JP6970715B2 (ja) * | 2019-07-19 | 2021-11-24 | ヤフー株式会社 | 提供装置、提供方法及び提供プログラム |
JP2021033352A (ja) * | 2019-08-14 | 2021-03-01 | 株式会社オークファン | 情報処理システム、情報処理方法および情報処理プログラム |
JP6836255B2 (ja) * | 2019-10-24 | 2021-02-24 | Base株式会社 | 電子商取引における販売店に資金提供を行うためのコンピュータシステム、方法、およびプログラム |
US20230097322A1 (en) * | 2021-09-29 | 2023-03-30 | Affirm, Inc. | System, Method and Apparatus for Enabling Enhanced Consumer Engagement for Providing Access to Credit for Online Purchases |
Family Cites Families (144)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5940811A (en) | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
US5794210A (en) | 1995-12-11 | 1998-08-11 | Cybergold, Inc. | Attention brokerage |
US5966693A (en) | 1996-05-07 | 1999-10-12 | Money Accumulation Programs, Inc. | Method for combining loan with key employee life insurance |
US7376603B1 (en) | 1997-08-19 | 2008-05-20 | Fair Isaac Corporation | Method and system for evaluating customers of a financial institution using customer relationship value tags |
US5995947A (en) * | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
US6023688A (en) | 1997-11-28 | 2000-02-08 | Diebold, Incorporated | Transaction apparatus and method that identifies an authorized user by appearance and voice |
US6574587B2 (en) | 1998-02-27 | 2003-06-03 | Mci Communications Corporation | System and method for extracting and forecasting computing resource data such as CPU consumption using autoregressive methodology |
US7082412B1 (en) | 1998-11-23 | 2006-07-25 | Enet 30, Inc. | Electronic factoring |
US7734541B2 (en) | 1998-12-08 | 2010-06-08 | Yodlee.Com, Inc. | Interactive funds transfer interface |
US7212999B2 (en) | 1999-04-09 | 2007-05-01 | Trading Technologies International, Inc. | User interface for an electronic trading system |
WO2000062231A1 (en) | 1999-04-13 | 2000-10-19 | Shopexpert.Com, Inc. | Method and apparatus for tracking consumers |
US7849009B2 (en) | 1999-12-29 | 2010-12-07 | The Western Union Company | Methods and apparatus for mapping sources and uses of consumer funds |
JP2001202469A (ja) * | 2000-01-17 | 2001-07-27 | Sony Corp | オークションシステムとその方法、オークション処理装置とその方法および商品取り引き方法とそのシステム |
US7395241B1 (en) | 2000-01-19 | 2008-07-01 | Intuit Inc. | Consumer-directed financial transfers using automated clearinghouse networks |
US20010027436A1 (en) | 2000-02-09 | 2001-10-04 | Tenembaum Samuel Sergio | On-line market environment (OLME) |
US8290809B1 (en) | 2000-02-14 | 2012-10-16 | Ebay Inc. | Determining a community rating for a user using feedback ratings of related users in an electronic environment |
US20050278244A1 (en) * | 2000-02-22 | 2005-12-15 | Yuan Frank S | Auction with methods and mechanisms to avoid fraud |
US20020038277A1 (en) | 2000-02-22 | 2002-03-28 | Yuan Frank S. | Innovative financing method and system therefor |
AU2001245754A1 (en) * | 2000-03-17 | 2001-10-03 | Ebay, Inc. | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments |
US8706618B2 (en) * | 2005-09-29 | 2014-04-22 | Ebay Inc. | Release of funds based on criteria |
US7263506B2 (en) | 2000-04-06 | 2007-08-28 | Fair Isaac Corporation | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
JP2002024540A (ja) * | 2000-07-07 | 2002-01-25 | Nec Corp | 融資審査システム及び融資審査方法 |
WO2002005165A1 (en) | 2000-07-08 | 2002-01-17 | Suh Dong Shin | Method and system for providing temporary credit card number on internet |
US7797207B1 (en) | 2000-07-24 | 2010-09-14 | Cashedge, Inc. | Method and apparatus for analyzing financial data |
US7617146B2 (en) | 2000-09-05 | 2009-11-10 | Primerevenue, Inc. | Factoring system and method |
US7006986B1 (en) | 2000-09-25 | 2006-02-28 | Ecardless Bancorp, Ltd. | Order file processes for purchasing on the internet using verified order information |
JP2002123728A (ja) | 2000-10-13 | 2002-04-26 | Hitachi Ltd | 物品売買の仲介装置及び方法 |
AU2002213314A1 (en) * | 2000-10-16 | 2002-04-29 | Tradecard, Inc. | Improved full service trade system |
KR20020037072A (ko) * | 2000-11-13 | 2002-05-18 | 라응찬 | 통신망을 이용한 토털 금융서비스 장치 및 방법 |
US20030130959A1 (en) | 2001-02-15 | 2003-07-10 | Walter Rosenbaum | Closed loop electronic factoring |
US7089592B2 (en) | 2001-03-15 | 2006-08-08 | Brighterion, Inc. | Systems and methods for dynamic detection and prevention of electronic fraud |
US20020138412A1 (en) | 2001-03-23 | 2002-09-26 | Englert Joseph G. | System for risk and cost analysis in financing export transactions |
US20020152155A1 (en) | 2001-04-13 | 2002-10-17 | Greenwood James E. | Method for automated and integrated lending process |
US8429067B1 (en) | 2001-04-17 | 2013-04-23 | Paymentech, Llc | System and method for detecting changes in business stability |
US8370253B1 (en) * | 2001-07-12 | 2013-02-05 | David Daniel Grossman | Method and apparatus for credit brokering for point-of-sale leasing |
JP2003030438A (ja) * | 2001-07-13 | 2003-01-31 | Hitachi Ltd | 電子商取引システムにおける融資申請処理方法 |
US7870025B2 (en) | 2001-09-20 | 2011-01-11 | Intuit Inc. | Vendor comparison, advertising and switching |
KR20030037156A (ko) * | 2001-11-02 | 2003-05-12 | 주식회사 케이티 | 전자 금융 상품서비스 제공 시스템 및 그 방법 |
US8458082B2 (en) * | 2001-11-13 | 2013-06-04 | Interthinx, Inc. | Automated loan risk assessment system and method |
AU2001100598A4 (en) | 2001-11-28 | 2002-01-24 | Chin Kok Yap | Method and apparatus for integrated supply chain management |
AUPR969501A0 (en) | 2001-12-20 | 2002-01-24 | Global Trade Finance Network Pte Ltd | Forfaiting transactions |
US20030149674A1 (en) | 2002-02-01 | 2003-08-07 | Pakhound, Inc. | Shipment monitoring method and system |
JP2003288485A (ja) * | 2002-03-27 | 2003-10-10 | Orient Corp | 金融システム及び方法並びに金融用プログラム |
US20030200134A1 (en) | 2002-03-29 | 2003-10-23 | Leonard Michael James | System and method for large-scale automatic forecasting |
US20030236735A1 (en) | 2002-06-20 | 2003-12-25 | Ezd Limited | Method and apparatus for facilitating funding of trade |
US8548902B2 (en) | 2003-08-15 | 2013-10-01 | Larry Porter | System for online lending services via an application service provider network |
TW200411455A (en) | 2002-12-20 | 2004-07-01 | Hon Hai Prec Ind Co Ltd | System and method for managing bad debts of account receivable |
US7039559B2 (en) | 2003-03-10 | 2006-05-02 | International Business Machines Corporation | Methods and apparatus for performing adaptive and robust prediction |
US7950995B2 (en) * | 2003-04-10 | 2011-05-31 | David Schugar | Method for adjusting a random number generator used for wagering by adjusting payouts or using liquid funds |
US20040220872A1 (en) * | 2003-04-29 | 2004-11-04 | Pollock Frederick E. | Lending based on an asset and securitization of loan interests |
US20050027654A1 (en) | 2003-07-28 | 2005-02-03 | Adrian Alexandra J. | System and method for a business payment connection |
US7822631B1 (en) | 2003-08-22 | 2010-10-26 | Amazon Technologies, Inc. | Assessing content based on assessed trust in users |
US20050108135A1 (en) | 2003-11-14 | 2005-05-19 | Ge Mortgage Holdings, Llc | Methods and apparatus for allowing consumers to make choices among financial service providers and providing incentives to the consumers |
US8010459B2 (en) | 2004-01-21 | 2011-08-30 | Google Inc. | Methods and systems for rating associated members in a social network |
GB0401570D0 (en) * | 2004-01-24 | 2004-02-25 | Guaranteed Markets Ltd | A transaction management system and method |
JP2005216225A (ja) | 2004-02-02 | 2005-08-11 | Seiko Epson Corp | クレジットカード処理制御方法、プログラム、クレジットカード処理装置、pos端末およびposシステム |
MXPA06010366A (es) | 2004-03-11 | 2007-05-08 | Crs Internat Ip Ltd | Metodo y sistema para traspasar fondos. |
US20050282614A1 (en) * | 2004-06-17 | 2005-12-22 | Atronic International Gmbh | Gaming machine providing pop-up advertising |
US7729980B2 (en) | 2004-07-01 | 2010-06-01 | United Parcel Service Of America, Inc. | Systems and associated methods for providing projected incentive based loans |
US20080086410A1 (en) | 2004-08-13 | 2008-04-10 | Sean Macguire | System And Method For Providing A Cash Advance |
WO2006021041A1 (en) * | 2004-08-24 | 2006-03-02 | Home Retire Pty Ltd | Arrangements for deriving financial benefits from equity owned in property |
US20060069631A1 (en) | 2004-09-24 | 2006-03-30 | Goulding Barry W | System and method for providing an incentive program |
EP1803101A1 (en) | 2004-10-08 | 2007-07-04 | Gresham Computer Services Limited | Computer-based payment transaction system and repository |
US20060089886A1 (en) | 2004-10-27 | 2006-04-27 | Anthony Wong | E-commerce business methodologies for supply and demand chain management |
US9875491B2 (en) * | 2004-12-30 | 2018-01-23 | Paypal, Inc. | Systems and methods for facilitating lending between two or more parties |
JP4980577B2 (ja) * | 2005-03-31 | 2012-07-18 | 株式会社三井住友銀行 | シンジケートローンのエージェント業務を支援するためのシステム |
US7765481B2 (en) | 2005-05-03 | 2010-07-27 | Mcafee, Inc. | Indicating website reputations during an electronic commerce transaction |
US7562304B2 (en) | 2005-05-03 | 2009-07-14 | Mcafee, Inc. | Indicating website reputations during website manipulation of user information |
US20070011083A1 (en) * | 2005-07-08 | 2007-01-11 | Bird Alan H | System and method of processing asset financing transactions |
US20070033139A1 (en) | 2005-08-08 | 2007-02-08 | Brad Handler | Credit applicant and user authentication solution |
US20070106591A1 (en) | 2005-11-08 | 2007-05-10 | Benjamin Waisbren | Method and instrument for financing backed by collateralized debt obligation-type structures |
US20070156584A1 (en) | 2005-11-22 | 2007-07-05 | Primerevenue, Inc. | Supply Chain Financing Systems and Methods |
US20070150409A1 (en) | 2005-12-23 | 2007-06-28 | Petralia Kathryn T | Unsecured to secured home equity credit conversion system and method |
US7600675B2 (en) | 2005-12-28 | 2009-10-13 | Compucredit Intellectual Property Holdings Corp. Ii | Method for providing financial instruments to customers of a service provider |
US8365986B2 (en) | 2006-03-14 | 2013-02-05 | Perry Securities Llc | Credit card security system and method |
US7908210B2 (en) * | 2006-04-20 | 2011-03-15 | Finance Express, Llc | Systems and method for managing dealer information |
US7676410B2 (en) | 2006-05-12 | 2010-03-09 | CompuCredit Intellectual Property Holdings, Corp. II | Combined debt consolidation and settlement program |
US20080052224A1 (en) * | 2006-08-24 | 2008-02-28 | Peerfunds, Inc. | Method for guaranteeing a peer-to-peer loan |
US20080133402A1 (en) | 2006-09-05 | 2008-06-05 | Kerry Ivan Kurian | Sociofinancial systems and methods |
JP2008065750A (ja) * | 2006-09-11 | 2008-03-21 | Hitachi Capital Corp | 融資額算出方法及び融資額算出システム |
US8566227B2 (en) | 2006-10-27 | 2013-10-22 | Ccip Corp. | Location based credit |
US8781951B2 (en) | 2006-12-22 | 2014-07-15 | Ccip Corp. | Method and system for providing financing |
US20090076868A1 (en) | 2007-04-18 | 2009-03-19 | Wade Malone | Automated Electronic Commerce Data Analyzing and Sales System |
US20080301055A1 (en) | 2007-05-31 | 2008-12-04 | Microsoft Corporation | unified platform for reputation and secure transactions |
WO2008151259A2 (en) * | 2007-06-04 | 2008-12-11 | Risk Allocation Systems | System and method for sharing and allocating financial risk associated with a loan |
US7627522B2 (en) | 2007-06-04 | 2009-12-01 | Visa U.S.A. Inc. | System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions |
US20080319921A1 (en) | 2007-06-20 | 2008-12-25 | Apogee Ehf | Apparatus and method for investment management |
US8862510B2 (en) * | 2007-07-10 | 2014-10-14 | Property Liquidators, LLC. | Method of doing business for auctioning a defaulted loan |
US8229807B2 (en) | 2007-08-12 | 2012-07-24 | Elbizri Samer | System and method of offsetting invoice obligations |
US8626618B2 (en) | 2007-11-14 | 2014-01-07 | Panjiva, Inc. | Using non-public shipper records to facilitate rating an entity based on public records of supply transactions |
US20090144152A1 (en) * | 2007-11-30 | 2009-06-04 | Terminal Velocity Processing, Inc. | System of guaranteeing loan repayments at the product level by a split funding method from credit card and online check settled deposits |
US8843410B2 (en) | 2008-01-22 | 2014-09-23 | United Parcel Services Of America, Inc. | Systems, methods, and computer program products for supply chain finance |
WO2009102501A2 (en) | 2008-02-15 | 2009-08-20 | Your Net Works, Inc. | System, method, and computer program product for providing an association between a first participant and a second participant in a social network |
US20090235149A1 (en) | 2008-03-17 | 2009-09-17 | Robert Frohwein | Method and Apparatus to Operate Different Widgets From a Single Widget Controller |
US20090254477A1 (en) | 2008-04-03 | 2009-10-08 | Kramer Marc | Reverse factoring system and method |
US9508074B2 (en) | 2008-04-25 | 2016-11-29 | Advanced Platform Solutions Llc | Method for secure use of identification cards |
CA2820983C (en) | 2008-05-18 | 2019-02-05 | Google Inc. | Secured electronic transaction system |
US20100017324A1 (en) | 2008-07-17 | 2010-01-21 | The New Orleans Exchange | System and method for trading financial assets |
CN101655966A (zh) | 2008-08-19 | 2010-02-24 | 阿里巴巴集团控股有限公司 | 一种贷款风险控制方法及系统 |
CN101685526A (zh) | 2008-09-28 | 2010-03-31 | 阿里巴巴集团控股有限公司 | 一种贷款准入评估方法和系统 |
US9064021B2 (en) | 2008-10-02 | 2015-06-23 | Liveramp, Inc. | Data source attribution system |
US8473858B2 (en) | 2008-10-16 | 2013-06-25 | Bank Of America Corporation | Graph viewer displaying predicted account balances and expenditures |
US8452683B2 (en) | 2008-10-22 | 2013-05-28 | Anthony Jeremiah Bayne | System and method for making a synthetic cash advance using a purchase payment exchange |
US8645264B2 (en) | 2008-10-23 | 2014-02-04 | Bank Of America Corporation | Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience |
US8117106B2 (en) | 2008-10-30 | 2012-02-14 | Telesign Corporation | Reputation scoring and reporting system |
US20120101881A1 (en) | 2008-11-25 | 2012-04-26 | Mary Theresa Taylor | Loyalty promotion apparatuses, methods and systems |
US7983951B2 (en) | 2009-03-02 | 2011-07-19 | Kabbage, Inc. | Apparatus to provide liquid funds in the online auction and marketplace environment |
US10430873B2 (en) | 2009-03-02 | 2019-10-01 | Kabbage, Inc. | Method and apparatus to evaluate and provide funds in online environments |
US8160943B2 (en) | 2009-03-27 | 2012-04-17 | Boku, Inc. | Systems and methods to process transactions based on social networking |
US8224727B2 (en) | 2009-05-27 | 2012-07-17 | Boku, Inc. | Systems and methods to process transactions based on social networking |
US8340436B2 (en) | 2009-06-19 | 2012-12-25 | Eastman Kodak Company | Detecting significant events in consumer image collections |
CA2685758A1 (en) | 2009-11-10 | 2011-05-10 | Neobanx Technologies Inc. | System and method for assessing credit risk in an on-line lending environment |
US8275685B2 (en) | 2010-01-04 | 2012-09-25 | Bank Of America Corporation | Determining a payment strategy |
US8380577B2 (en) | 2010-04-13 | 2013-02-19 | Viicii Llc | Methods, systems, computer products, and website for progressive E-commerce |
WO2011143290A1 (en) | 2010-05-11 | 2011-11-17 | Accelerated Payment Solutions, Llc | System and method for average daily balance optimization forecast for accelerated loan payoff |
WO2012018968A1 (en) | 2010-08-06 | 2012-02-09 | The Dun And Bradstreet Corporation | Method and system for quantifying and rating default risk of business enterprises |
US8688557B2 (en) | 2010-09-29 | 2014-04-01 | Fiserv, Inc. | Systems and methods for customer value optimization involving relationship optimization |
US9710812B2 (en) | 2010-12-03 | 2017-07-18 | Paypal, Inc. | Social network payment system |
US20130346170A1 (en) | 2011-01-10 | 2013-12-26 | Bozuko, Inc. | Customized Customer Loyalty Rewards Program Enhanced Rewards Distribution System and Method |
US8694401B2 (en) | 2011-01-13 | 2014-04-08 | Lenddo, Limited | Systems and methods for using online social footprint for affecting lending performance and credit scoring |
US9792636B2 (en) | 2011-01-25 | 2017-10-17 | Dwolla, Inc. | Social network transaction processing system |
US10769657B2 (en) | 2011-02-14 | 2020-09-08 | Cardspring, Llc | Measuring conversion of an online advertising campaign including referral offers from an offline merchant |
EP2676225A4 (en) | 2011-02-18 | 2016-01-27 | AssetLogic Group LLC | SYSTEM AND METHOD FOR PROVIDING STANDARDIZED DATA SHARING PLATFORM |
US20120239552A1 (en) | 2011-03-18 | 2012-09-20 | Harycki Edward A | System and method for dynamic working capital |
US20120259776A1 (en) | 2011-04-08 | 2012-10-11 | Bank Of America Corporation | Dynamic pre-qualification |
US8117080B1 (en) | 2011-04-11 | 2012-02-14 | Sung Wan Ban | Pooling method for auction or raffle in a social network system |
US10395256B2 (en) | 2011-06-02 | 2019-08-27 | Visa International Service Association | Reputation management in a transaction processing system |
US8543475B2 (en) | 2011-06-27 | 2013-09-24 | Capital Confirmation, Inc. | System and method for obtaining automated third-party confirmations in receivables factoring |
US8630921B2 (en) | 2011-06-30 | 2014-01-14 | Ebay Inc. | Leveraging a social network to search for local inventory |
US8326769B1 (en) | 2011-07-01 | 2012-12-04 | Google Inc. | Monetary transfer in a social network |
US8768761B2 (en) | 2011-07-29 | 2014-07-01 | Coupons.Com Incorporated | Unlocking coupon offers |
US8504470B1 (en) | 2011-08-31 | 2013-08-06 | BT Patent LLC | Methods and systems for financial transactions |
JP6004284B2 (ja) | 2011-09-08 | 2016-10-05 | 国立大学法人東京工業大学 | 時系列データの変化点検出方法及びプログラム、未来の時系列データ値の確率密度分布予測方法及びプログラム |
US20130085816A1 (en) | 2011-09-09 | 2013-04-04 | Barclays Bank Delaware | Online communities for financial services products |
US10163171B1 (en) | 2011-11-11 | 2018-12-25 | Amazon Technologies, Inc. | Payment to a friend through a social networking service |
US20130138555A1 (en) | 2011-11-30 | 2013-05-30 | Rawllin International Inc. | System and method of interpreting results based on publicly available data |
US8676661B2 (en) | 2012-02-17 | 2014-03-18 | Artases OIKONOMIDIS | Commodity backed payment system for social networks |
US20130339096A1 (en) | 2012-06-14 | 2013-12-19 | Flextronics Ap, Llc | Method and system for inventory financing and management |
US20140188704A1 (en) | 2013-01-01 | 2014-07-03 | Bank Of America Corporation | Allowing a customer to obtain a new card number using a mobile interface |
US20140200968A1 (en) | 2013-01-15 | 2014-07-17 | Visa International Service Association | System and method for determining competitive opportunity metrics and indices |
US20140304131A1 (en) | 2013-03-15 | 2014-10-09 | Capital One Financial Corporation | System for and method for determining overdraft protection |
US20140279420A1 (en) | 2013-03-15 | 2014-09-18 | Michael D. Okerlund | System and method for facilitating financial transactions utilizing a plurality of networked databases |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US20150262291A1 (en) | 2014-03-17 | 2015-09-17 | Comenity Llc | Apply and buy with a co-branded virtual card |
-
2009
- 2009-05-06 US US12/436,642 patent/US7983951B2/en active Active
-
2010
- 2010-03-01 JP JP2011553011A patent/JP5852886B2/ja active Active
- 2010-03-01 AU AU2010221577A patent/AU2010221577A1/en not_active Abandoned
- 2010-03-01 CA CA2753266A patent/CA2753266A1/en not_active Abandoned
- 2010-03-01 GB GB1115147A patent/GB2480045A/en not_active Withdrawn
- 2010-03-01 WO PCT/US2010/025794 patent/WO2010101842A2/en active Application Filing
- 2010-03-01 EP EP10749159.9A patent/EP2404273A4/en not_active Withdrawn
-
2011
- 2011-06-13 US US13/159,080 patent/US8073744B1/en active Active
- 2011-07-11 US US13/180,228 patent/US20120036032A1/en not_active Abandoned
- 2011-12-05 US US13/311,506 patent/US20120233010A1/en not_active Abandoned
-
2012
- 2012-09-01 US US13/602,154 patent/US20130124399A1/en not_active Abandoned
-
2013
- 2013-03-15 US US13/841,361 patent/US10592975B2/en active Active
-
2017
- 2017-04-12 AU AU2017202445A patent/AU2017202445A1/en not_active Abandoned
-
2019
- 2019-02-28 AU AU2019201435A patent/AU2019201435A1/en not_active Abandoned
-
2020
- 2020-03-16 US US16/819,217 patent/US11568478B2/en active Active
- 2020-12-04 AU AU2020289751A patent/AU2020289751A1/en not_active Abandoned
-
2023
- 2023-01-03 US US18/092,809 patent/US20230140408A1/en active Pending
Also Published As
Publication number | Publication date |
---|---|
US20130124399A1 (en) | 2013-05-16 |
AU2010221577A1 (en) | 2011-10-06 |
US20120036032A1 (en) | 2012-02-09 |
US20200364777A1 (en) | 2020-11-19 |
US20230140408A1 (en) | 2023-05-04 |
JP2012519342A (ja) | 2012-08-23 |
US7983951B2 (en) | 2011-07-19 |
AU2017202445A1 (en) | 2017-05-04 |
US20120233010A1 (en) | 2012-09-13 |
EP2404273A4 (en) | 2014-06-25 |
US20100223154A1 (en) | 2010-09-02 |
GB201115147D0 (en) | 2011-10-19 |
AU2020289751A1 (en) | 2021-01-07 |
GB2480045A (en) | 2011-11-02 |
AU2019201435A1 (en) | 2019-04-11 |
EP2404273A2 (en) | 2012-01-11 |
US11568478B2 (en) | 2023-01-31 |
US8073744B1 (en) | 2011-12-06 |
US10592975B2 (en) | 2020-03-17 |
CA2753266A1 (en) | 2010-09-10 |
US20110320313A1 (en) | 2011-12-29 |
WO2010101842A2 (en) | 2010-09-10 |
WO2010101842A3 (en) | 2011-01-13 |
US20140025525A1 (en) | 2014-01-23 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11568478B2 (en) | Apparatus to provide liquid funds in the online auction environment | |
US11704710B2 (en) | Online marketplace with seller financing | |
US10909620B2 (en) | Method and apparatus to evaluate and provide funds in online environments | |
US11055773B2 (en) | Online marketplace with seller financing | |
US7797235B2 (en) | On-line cash register to use in providing a consumer-to-consumer payment service | |
US20140172679A1 (en) | Systems And Methods Of An Online Secured Loan Manager | |
US20150066740A1 (en) | System and Method of Electronic Exchange for Residential Mortgages | |
US20120116944A1 (en) | System and Method of Electronic Exchange for Residential Mortgages | |
RU2730408C2 (ru) | Способ проведения электронных онлайн торгов на электронной торговой площадке и автоматизированная онлайн система для его осуществления | |
US20110246318A1 (en) | Systems and methods for facitiating tax status categorization over a network | |
US20220245644A1 (en) | System for correlating anonymized unique identifers | |
KR101666083B1 (ko) | 매출채권 담보대출 평가시스템 및 평가방법 | |
WO2014098796A1 (en) | Systems and methods of an online secured loan manager | |
KR101666084B1 (ko) | 매출채권 담보대출 관리시스템 및 관리방법 | |
KR100774261B1 (ko) | 보상 처리가 가능한 전자상거래 중개 시스템 | |
JP2002245284A (ja) | 電子商取引システム | |
WO2015183993A1 (en) | Systems and methods for collaborative commerce | |
KR20230025305A (ko) | 장외주식 담보 대출을 위한 장치 및 방법 | |
KR101129166B1 (ko) | 결제 중개 방법 및 결제 중개 시스템 | |
KR20050079440A (ko) | 정보매매시스템 | |
KR20050102574A (ko) | 이메일마케팅시스템 |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
A621 | Written request for application examination |
Free format text: JAPANESE INTERMEDIATE CODE: A621 Effective date: 20130225 |
|
A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20130315 |
|
A977 | Report on retrieval |
Free format text: JAPANESE INTERMEDIATE CODE: A971007 Effective date: 20140206 |
|
A131 | Notification of reasons for refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A131 Effective date: 20140214 |
|
A601 | Written request for extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A601 Effective date: 20140509 |
|
A602 | Written permission of extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A602 Effective date: 20140516 |
|
A601 | Written request for extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A601 Effective date: 20140613 |
|
A602 | Written permission of extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A602 Effective date: 20140620 |
|
A601 | Written request for extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A601 Effective date: 20140714 |
|
A602 | Written permission of extension of time |
Free format text: JAPANESE INTERMEDIATE CODE: A602 Effective date: 20140722 |
|
A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20140813 |
|
A02 | Decision of refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A02 Effective date: 20150114 |
|
A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20150514 |
|
A911 | Transfer to examiner for re-examination before appeal (zenchi) |
Free format text: JAPANESE INTERMEDIATE CODE: A911 Effective date: 20150909 |
|
TRDD | Decision of grant or rejection written | ||
A01 | Written decision to grant a patent or to grant a registration (utility model) |
Free format text: JAPANESE INTERMEDIATE CODE: A01 Effective date: 20151111 |
|
A61 | First payment of annual fees (during grant procedure) |
Free format text: JAPANESE INTERMEDIATE CODE: A61 Effective date: 20151207 |
|
R150 | Certificate of patent or registration of utility model |
Ref document number: 5852886 Country of ref document: JP Free format text: JAPANESE INTERMEDIATE CODE: R150 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |