RU2639950C2 - Method and system for providing credit transactions and computer program related to them - Google Patents

Abstract

FIELD: information technology.SUBSTANCE: system comprises one or more transaction servers containing computing schemes, communication schemes and a collective control logic device and configured to receive via the network the price of the transaction; interaction with the initial creditor's servers for securitization via the data transfer network of the transaction price in relation to the credit line of the initial creditors; receipt from the user of the schedule of periodic partial payments, the initiation of financing at least part of the transaction after the establishment of an agreed schedule of periodic partial payments to pay the price of the transaction, which contains several payments; periodic receipt of a partial payment to pay the balance of the debt at the price of the transaction and periodic interaction with the initial creditor's servers for re-securitization of the debt balance with such a schedule of securitization and re-securitization, in which the balance of the debt will always be securitized.EFFECT: expansion of the arsenal of technical means.33 cl, 12 dwg

Description

FIELD OF THE INVENTION

[001] The present invention generally relates to the field of financial credit transactions. More specifically, the present invention relates to a system and method for providing financial credit recurring payments.

BACKGROUND

[002] People, inherently, in much of Western civilization, spend a significant portion of their lives and money on the purchase of products and services. By fulfilling this purchasing “role”, they can be identified as consumers. According to the general and logical perception, for the consumer to be able to purchase the goods or services he needs, be it daily needs, assets, gifts, travel, and so on, he needs to have sufficient financial resources, that is, “enough money in the bank”, or somewhere no matter what.

[003] Several mechanisms of consumption and purchases are known, some of which go back to the early history, which allow consumers to purchase goods and services without having the necessary funds at the time of purchase, using money that they do not own at the time of purchase to lend, and pay them at a later stage.

[004] Some of these lending schemes are:

- bank loans;

- loans secured by real estate;

- rental (cars, etc.); and

- revolving schemes with credit cards: allowing the consumer to pay credit card expenses gradually (renewing them).

[005] Obviously, these and other methods of lending are not free. Consumers, as a rule, are charged by the organization or the person providing the funds for the acquisition, in addition to the purchase price, a loan fee.

[006] Often, such credit mechanisms are used even by consumers who have sufficient funds, but prefer not to spend them on current purchases, thus controlling their cash flows, as commercial firms do.

[007] Among the possible causes of this behavior may be:

- anticipation of future expenses requiring available funds;

- the current purchase, for which they take a “loan”, may exceed the budget for a certain period or the consumer’s salary;

- money invested and can not be used; and

- emotional / psychological motives (for example: financial stability).

[008] Credit decisions are offered by various sources, some of which offer non-targeted loans that are not related to a specific purchase, others associate a “loan” with a specific purchase / product / service. For example:

Inappropriate lending:

- credit card issuers (revolving credit accounts, etc.);

- financial organizations: banks, etc. (loans); and

- tranche loans.

Targeted lending:

- mortgage banks;

- automobile and other leasing companies and

- sellers or service providers.

Revolving credit card loans

[009] Revolving tools are a widespread solution to the global credit card industry to provide non-targeted loans. In the revolving method, the cardholder can decide how much of his monthly credit card expenses to carry over to the next month (with certain restrictions).

[0010] The cost of lending for such an instrument is the annual interest rate (GPS), which is determined on the basis of the national Federal credit rate. It is not fixed and, as a rule, significantly exceeds the Federal credit rate.

[0011] One of the reasons for the high GPS of revolving schemes in the "risks" of organizations (credit card issuers / banks) providing such loans, including: the cardholder may try to avoid some or all future payments, while in fact the goods or service are already acquired in several ways:

- denial of purchase;

- account closure; or

- “disappearance”.

Such cases “expose” the lending organization to unplanned costs and, thus, loss of money.

[0012] The revolving mechanism is widespread in the US consumer lending market due to the popularity of credit cards as a financial instrument (more than 150 million cards in 2006), with more than 60% of cardholders using a revolving credit line on their cards.

[0013] After a line of credit has been approved by the consumer (usually pre-approved), using the revolving mechanism for any purpose, at any time, becomes easy and quick when using his credit card. However, for consumers it is associated with one of the highest credit rates.

[0014] In 2006, in the revolving system of the US credit card industry, total debt was approximately $ 826.6 billion, compared with $ 1,526.4 billion in the non-revolving credit system (for example, loans) for consumer spending (excluding real estate) Most of which are not made through credit cards.

[0015] Americans are used to using non-revolving loans (mainly leasing or other loans with regular repayments) for expensive purchases such as cars, mobile homes, education, ships or vacations. They are usually credited by manufacturers or financial institutions in installments with fixed monthly payments.

Leasing

[0016] Leasing loans are available in the United States, but are mainly limited to certain high-value purchases, such as cars, houses and ships, provided directly by the seller, and are intended for specific consumer goods, that is, these are “targeted” loans.

[0017] In this case, the acquired product is registered as the destination for this loan. The GPS for such loans varies by industry and is generally lower than the GPS of a revolving credit card. This type of loan is generally not pre-approved, as is the case with revolving credit card accounts.

SUMMARY OF THE INVENTION

[0018] In accordance with some embodiments of the present invention, as part of a transaction between a seller and a buyer of goods, or services, or financial services, or real estate, rental services and / or lessee of any goods, services and / or real estate and the like. (hereinafter referred to as “Consumer” or “Customer”), the Consumer may request to divide the cost or payment required from the Consumer in connection with the transaction into a series of partial payments or installment payments so that the full value of the transaction can be distributed on a number of partial payments, and partial payments are distributed and made periodically over a period of time. One or more lenders (credit service providers) can fulfill / provide full or partial payment of the transaction to the seller on behalf of the Consumer, provided that the Consumer repays the full amount of the transaction to the creditor, as well as the loan fee, through periodic partial payments, and the remaining balance may essentially, constantly securitized through a re-securitization mechanism. In accordance with some embodiments of the invention, one or more creditors making payment related to the transaction on behalf of the Client may be secondary lenders, and the secondary lender may securitize any payable balance of the loan outstanding by the original lender (for example, a credit card issuer credit card guarantor, credit union or bank, etc.).

[0019] An agreed schedule for a series of partial payment amounts over an agreed time period may be called a payment schedule and may be pre-set or pre-determined. In accordance with other embodiments, a payment schedule (e.g., recurring payment dates, time interval between partial payments, payment amounts, etc.) can be selected by the Consumer, for example, during a transaction or purchase. In accordance with additional embodiments, the payment schedule can be changed or restructured (for example, with a delay in payments - an increase in the interval between payments, with an acceleration of payments - a reduction in the interval between payments, with a shift in the date of payment - a change in the day of the month, with a change in the amount of payment, etc.) .d.) after the date of transaction or purchase. Re-securitization can be performed automatically in accordance with the payment schedule.

[0020] The present invention is a method and system for securing transactions. In accordance with some embodiments of the present invention, as part of a transaction between a seller and a Consumer / Customer of goods and / or services and / or cash (e.g. cash) that can be initiated at or through any access point (e.g., online , at a point of sale, a mobile point of sale, an ATM; and / or through any other communication device, such as a mobile phone, its application, and / or any other access point, currently known or developed in the future), Cons Tel may request partition of the transaction value to a number of payments / payment in installments, whereby the cost can be spread over a period of time. The indicated series of payments and the indicated period of time may be predefined or predefined.

[0021] In accordance with some embodiments of the present invention, as part of the distribution of the cost of installment payments, the Consumer of goods and / or services and / or cash (eg cash) may request a secondary lender to pay the seller the cost of the purchased goods and / or services. The indicated secondary creditor may be any third party willing to credit the specified transaction (for example, any credit institution, the seller himself). In accordance with further embodiments of the present invention, there may be a party that arranges installment payment and the operation of the transaction system disclosed below (for example, an independent third party, seller, secondary lender, original lender).

[0022] In accordance with some embodiments of the present invention, the secondary lender may provide the Customer with payment deadlines (for example, monthly payments / installment payments) for the principal amount payable by the secondary lender of the amount and / or loan charges (for example, interest or any other type of fees). The secondary creditor may securitize the amounts payable to the seller using the credit line provided to the Consumer by the original creditor (for example, a credit card issuer). Simultaneously with the payment to the seller, or before it, the lender (for example, a secondary creditor) may request authorization of the loan from the original lender for the remaining amounts payable, including lending fees (for example, interest, commission, any other additional fee (fees ) and possible fines).

[0023] In accordance with further embodiments, the following types of cash values / fees / transactions can be securitized: actual transaction costs; loan fee (for example, as indicated above); any additional fees, penalties and / or penalties associated with the secondary loan; payment for damage caused to goods, real estate, etc., payment of commission fees, penalties and / or fines associated with the original transaction; payment of taxes, insurance (s) and / or any other payments related to the original transaction; payment (s) for payment of services and fines associated with the organization of a secondary loan, with the organization of payment by installments, with the organization of using the transaction system disclosed later in this document, etc.

[0024] In accordance with further embodiments, various costs, fees, penalties and / or damages may be allocated to partial payments (installment payments) in accordance with various algorithms, including, but not limited to, the following options: ( I) the amounts of all installment payments are equal; (Ii) the full amount of several fees, or all fees, is included in the first payment; (Iii) the distribution of all the above payments through essentially the same algorithm as used to distribute interest in many loans secured by real estate; (IV) expenses, damage, fees and penalties associated with termination / termination / termination of the lease are included in the additional partial payment (s); (V) the costs, damages, fees and penalties associated with the early completion of the transaction are added to the current payment or to an additional partial payment (s); (VI) costs, damage, fees and penalties are added to the amount securitized based on algorithms that take into account the capabilities and consumer profile, and other relevant considerations.

[0025] In accordance with some embodiments of the present invention, the secondary lender may request from the original lender a partial payment of an authorized loan based on the agreed payment terms between the secondary lender and the Consumer. Since each credit authorization expires either within a predetermined period of time or on the basis of some action, the secondary lender can re-securitize any remaining balance of the Consumer’s debt through periodic repeated credit authorization requests for the remaining balance.

[0026] In accordance with some embodiments of the present invention, the aforementioned re-securitization and money transfer cycle can be performed again until all payments due are paid to the secondary creditor. In case of unsuccessful attempt of repeated securitization, the secondary creditor may request the initial creditor to transfer to him the full amount of the debt from the Consumer, based on the last previous securitization of the loan.

[0027] In accordance with some embodiments of the present invention, methods and systems are provided for providing credit transactions related to the acquisition of value-added goods, services or real estate. In accordance with some embodiments of the present invention, data indicative of the cost of a product or service can be obtained over a data network. After that, the transaction value can be securitized over the data transmission network with respect to the credit line provided by the original lender. After securitization, a secondary lender can finance the transaction. The secondary creditor may periodically receive partial payment of the transaction value, while periodically re-securitizing the balance of the transaction due.

[0028] In accordance with some embodiments of the present invention, a transaction system may comprise one or more servers for facilitating transactions comprising a collective control logic device configured to: (1) receive data indicating the value of goods or services via a data network ; (2) securitization through a data transmission network of transaction value in respect of a credit line provided by the original creditor; (3) transaction financing after securitization; (4) periodically receiving partial payment from the original creditor; and (5) periodic re-securitization of the outstanding balance.

[0029] In accordance with some embodiments of the present invention, a transaction between a seller and a Customer may include the seller providing the consumer with goods, services, real estate, rental services, credit services and / or any combination thereof. The transaction may be a regular sale transaction, an online transaction, a mobile transaction and / or any other type of transaction currently known or developed in the future.

[0030] In accordance with some embodiments, the seller may be a retailer of goods and / or a service provider, such as: (1) credit services, (2) banking services, (3) rental services, (4) communication services, ( 5) medical services, (6) travel services, (7) currency exchange services, or any other goods or services. The Seller may provide the Customer with goods, services, cash or real estate: (1) at the point of sale with service personnel (for example, at the cash desk), (2) through an automated device (for example, an automatic dispenser, ATM, etc.) , (3) through an electronic commerce website or through an online payment application and / or (4) using a mobile trading system.

In accordance with some embodiments, the Client can provide funds or the availability of payment for the transaction with a secondary lender (secondary credit service provider) either at the time or before the specified transaction. As part of the establishment of a Payer Agreement with a secondary lender, the Customer may provide personal and financial information, including: (1) name, (2) address, (3) identification number (for example, social security number), and (4) one or more than the identifiers of the accounts of the original creditors (for example, credit card accounts), in respect of which the secondary creditor may provide payment on account of payments made or other additional considerations of the secondary creditor, on behalf of the Client.

[0031] In accordance with some embodiments of the present invention, as part of the separation of the cost / amount of the installment transaction, the Consumer of goods and / or services and / or cash (eg, cash) may use a payment mechanism or authorization device, such as a payment card or online payment application provided by a secondary lender. Using the payment mechanism of the secondary lender may lead to the fact that the secondary lender: (1) certifies the details of the transaction; (2) checks the availability of one or more initial credit lines sufficient to cover the transaction amount, and (3) subject to (1) and (2) pays the seller the full cost or part of the cost of purchased goods and / or services. A secondary creditor can be any third party willing to credit the specified transaction (for example, pay the seller).

[0032] In accordance with some embodiments of the present invention, a partial payment of the transaction value may be received either from the original creditor, directly from the buyer of the goods or services, or from any other individual (s) and / or legal entity (s) on behalf of this buyer. In addition, payment of the value of such a transaction can be obtained using any of the above funds or a combination thereof. In accordance with some embodiments of the present invention, in the event of an unsuccessful attempt to re-securitize, the secondary lender can receive full payment of the debt from the original lender or receive re-securitization from the same original lender or from another lender (s) using a different account (s) of the Consumer or the account (s) of another person (s) or organizations (according to the preliminary or current instructions of the consumer and the preliminary or current consent of that person (s) and RGANIZATION).

[0033] In accordance with further embodiments, partial payments (installment payments) may be received from a buyer using direct transfer from a bank account or any other customer account; by means of a check (s), or payment orders issued to the buyer's bank account or any other account, possibly in the form of a “bank check” - a check issued in relation to assets and / or general bank credit; through any debit card; by any credit card; through any financial instrument; in cash; by electronic transfer; through authorization device (s); by electronic payment (payments) (including via the Internet); by payment with electronic banknotes (for example, "Web Money"); and / or by any other method (s) currently known or developed in the future. Any account, any debit card, any credit card and so on does not necessarily mean the buyer's account or debit / credit card, and may refer to any account, credit / debit card and the like, any other natural person (s) or legal entity (s) )

[0034] In accordance with further embodiments, a securitized revolving loan may be used to pay for leasing (rent), to pay for goods and / or services, or to pay for real estate. Moreover, such methods can be used to securitize periodic payments (for example, installment payments on schedule, such as monthly payments); payments for damage caused to the leased property, or any other damage; payment of various penalties, fees and fines associated with the loan; payment of various penalties, fees and penalties associated with the original transaction, including various fees, penalties and fines associated with the termination or termination of the lease; and / or tax, insurance, utility bills, and so forth, associated with the original transaction. According to some embodiments, a securitized revolving loan may allow the buyer to avoid: bank guarantees, prepayments as a guarantee, cleaning fees, prepayments for several rental periods / months, key deposit, prepayments for possible damage, and / or prepayments insurance, taxes and / or utility bills and other advance payments).

[0035] US Patent No. 8,290,864, co-owned by the applicant, is hereby incorporated by reference in its entirety.

BRIEF DESCRIPTION OF THE DRAWINGS AS AN EXAMPLE OF DRAWINGS

[0036] The subject matter is particularly clearly shown and clearly stated in the concluding part of this application. However, the invention, from the point of view of organization and method of work, as well as goals, features and their advantages, can be better understood by referring to the following detailed description, considering it in conjunction with the accompanying drawings, in which:

[0037] in FIG. 1 is a flowchart describing the steps and steps of an exemplary method for facilitating the execution of installment payments transactions in accordance with some embodiments of the present invention;

[0038] in FIG. 2 is a table describing modules of an example transaction system in accordance with some embodiments of the present invention;

[0039] in FIG. 3 is a depiction of an embodiment of a transaction payment scheme in accordance with some embodiments of the present invention;

[0040] in FIG. 4 is a table describing modules of an example transaction facilitation system that includes a consumer user interface module, a seller user interface module, and an initial lender (s) user interface module in accordance with some embodiments of the present invention; and

[0041] in FIG. 5-12, various examples of securitization scenarios for an initial lender are provided by an exemplary transaction support system in accordance with some embodiments of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

[0042] In the following detailed description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, one skilled in the art will recognize that the present invention may be practiced without these specific details. On the other hand, well-known methods, procedures, components and circuits are not described in detail so as not to obscure the understanding of the present invention.

[0043] Unless otherwise specifically indicated, as can be seen from the following description, it should be understood that throughout the description, terms such as "processing", "calculation", "calculation", "determination", or the like, refer to actions and / or processes of a computer or computing system, or similar electronic computing devices, or a person working with such a system, which manipulate and / or transform data presented in the form of physical, such as electronic, values in registers and / or storage computing devices minutes system into other data similarly represented as physical values in the memory of the computer system registers or other such devices, storage, transmission or display devices.

[0044] Embodiments of the present invention, in accordance with the present application, may include devices for performing operations. Such a device can be specially made for the required purposes or can be made in the form of a general purpose computer, selectively powered or reconfigured using a computer program stored in the computer. Such a computer program may be stored on a computer-readable storage medium, for example, but not limited to, on any type of disk, including floppy disks, optical disks, CD-ROM disks, magneto-optical disks, in read-only memory (ROM), random access memory (RAM), electrically programmable read-only memory devices (EEPROM), electrically erasable and programmable read-only memory devices (EEPROM), magnetic or optical cards, or any other type of media, eg dnyh for storing electronic instructions, and configured to connect to the computer's system bus.

[0045] In addition, the Original Lender may also be considered an issuer of credit cards (secured by a credit / bank / other account of the card holder); the secondary creditor may also be considered an Invention, a System according to the invention or simply a System. This, however, does not limit the embodiments, functions and capabilities of the present invention to the Secondary Lender, its functions and capabilities, as described in this application; the term “Securitization of a loan” may contain some or all of the following steps, namely: a request for a loan, authorization of a loan and credit clearing, which may be accompanied by an appropriate period of time and amount; A consumer may also be considered a Buyer, a Consumer, a Customer, a Credit Card Holder or simply a card holder; and a partial payment (based on the repayment terms between the secondary creditor and the consumer) may also be considered a Next Payment.

[0046] The processes and displays presented in this application are essentially not associated with any particular computer or other device. In accordance with the ideas presented here, various general-purpose systems with programs may be used, or it may be convenient to create a more specialized device to perform the desired method. The required structure for many such systems will be apparent from the description below. In addition, embodiments of the present invention are described without reference to any particular programming language. It should be clear that various programming languages can be used to implement the ideas of the invention described in this application.

[0047] The present invention is a method and system for securing transactions. In accordance with some embodiments of the present invention, as part of a transaction between a seller and a Consumer / Customer of goods and / or services and / or cash (e.g. cash) that can be initiated at or through any access point (e.g., the Internet, at a point of sale, at an ATM), the consumer can request the division of the transaction value into a number of installments / installments, with which payments can be distributed over a period of time. The indicated series of payments and the indicated period of time can be pre-set or pre-determined.

[Types of transactions]

[0048] In accordance with some embodiments, a transaction between a seller and a Customer may comprise the seller providing goods, services, financial services, and / or any combination thereof to the Customer. A transaction may be a regular trade transaction, an Internet transaction, a mobile transaction and / or any other type of transaction that is currently known or developed in the future. In accordance with some embodiments, the seller may provide the Customer with financial lending instruments, such as the currency of one or more countries, bearer bonds and the like. Various embodiments of the present invention can provide between the seller and the Consumer of goods and / or services transactions of all possible types that currently exist or those that will appear in the future (for example, transactions online / on the Internet; at the point of sale; ATM .d.).

[System, interface and characteristics of the Client]

[0049] In accordance with some embodiments of the present invention, methods and systems are provided for providing credit transactions associated with the acquisition of goods or services of value. In accordance with some embodiments of the present invention, data indicating the cost of a product or service can be obtained over a data network. After that, the transaction value can be securitized over the data transmission network on the basis of a credit line provided by the original creditor. After securitization, the secondary lender can finance the transaction. The secondary creditor may periodically receive a partial payment of the transaction value, periodically re-securitizing the due balance of the transaction debt.

[0050] In accordance with some embodiments of the present invention, a transaction system may include one or more servers for facilitating transactions comprising a collective control logic device configured to: (1) receive information on the cost of goods or services via a data network; (2) securitization, through a data transmission network, of the transaction value with respect to the credit line provided by the original creditor; (3) transaction financing after securitization; (4) periodically receiving partial payment from the original creditor; and (5) periodic re-securitization of the outstanding balance.

[0051] FIG. 1 is a flowchart describing the steps and steps of an exemplary method for facilitating an installment transaction in accordance with some embodiments of the present invention. The first part of the process begins with the coordination of the cost of goods or services between the seller and the buyer. After the price is agreed, the buyer requests the services (installment payment) of the secondary lender and receives, in response, perhaps through the seller or the seller’s terminal, the payment terms offered by the secondary lender. Then the buyer can: accept the terms, request another offer for payment, or decide that he is not interested. After that, the Secondary Lender securitizes the full amount of the transaction (including lending fees) through the original lender and pays the seller the full amount of the transaction. In the second part of the process, the secondary lender attempts to re-securitize the outstanding balance of the transaction through the original lender. If the original creditor authorizes the securitization of the balance of the transaction debt, the secondary creditor orders the original creditor to pay him a partial payment of the authorized amount (based on the payment terms for the buyer) and cancels the last previous securitization carried out through the original creditor, and this iteration can be repeated until then until the full amount of the transaction is paid to the secondary creditor. If, on the other hand, the original creditor does not approve the securitization of the balance of the transaction debt, the secondary creditor orders the original service provider to pay the full balance of the transaction debt (based on the last previous authorization of the original creditor).

[0052] In accordance with some embodiments of the present invention, a securitization module may be configured to receive data indicating the cost of a product or service over a data network. This data can be obtained from the seller’s agent selected from the group consisting of the Seller’s Terminal Agent, the Seller’s Online Agent, Cash Register Agent and Cash Dispensing Agent. The securitization module may be further configured to obtain data related to the quantity and / or amount (s) of said partial payments. In accordance with some embodiments of the present invention, the securitization module may be configured to securitize transaction costs relative to a line of credit provided by the original lender, the securitization may include initiating a request for a loan and obtaining credit authorization.

[0053] In accordance with some embodiments of the present invention, the funds transfer module may be configured to finance a transaction after securitization (for example, by transferring funds to a seller of goods / services). In accordance with some embodiments of the present invention, the cash receipt module may be configured to periodically receive partial payments or receive full payment from the original lender. The module for receiving funds can be additionally configured to receive from the original creditor full payment of the amounts payable in the event of an unsuccessful attempt to re-securitize. In accordance with some variants of implementation of the present invention, the transfer of funds to the seller can be carried out only after delivery of goods to the consumer.

[0054] According to some embodiments of the present invention, the securitization module may be further configured to periodically re-securitize the remaining balance. Re-securitization may include initiating a loan request and obtaining credit authorization.

[0055] In FIG. 2 shows, in accordance with some embodiments of the present invention, a table describing the modules of an example transaction system. The Buyer initiates a transaction through a Cash Dispensing Agent (ABN), a Cash Management Agent (CCA) or a Seller Agent (AP), such as a Seller’s Online Agent or Seller’s Terminal Agent. Then, the System Securitization Module (Secondary Lender) through the Primary Lender authorizes the loan for the full amount of the transaction and, after successful authorization of the loan (securitization), finances and transfers the full transaction amount to the seller through its money transfer module. Based on the payment schedule agreed with the buyer, the secondary lender periodically (for example, before each payment date) requests a loan authorization for the amounts payable. Each time a credit request is authorized for the amount payable, the secondary creditor re-securitizes the balance of the debt, with the exception of the current payment, asks the original creditor to transfer the amount of the current payment to him and receives it through his funds receipt module. If the loan request for the amount payable is not authorized, the secondary lender requests the original lender to transfer to him the entire balance of the transaction debt based on the last preliminary authorization made by the original lender.

[0056] FIG. 3 shows, in accordance with some embodiments of the present invention, an image of an example transaction arrangement arrangement in which the number of payments and accrued interest are calculated and presented based on the subtotal of the transaction; amount of the first payment and balance of the debt (after the payment of the first payment).

[0057] In accordance with some embodiments of the present invention, as part of the distribution of the value of installment payments, the Consumer of goods and / or services and / or cash (eg, cash) may request payment by the secondary creditor of the cost of purchased goods and / or services to the seller. The indicated secondary creditor may be any third party willing to credit the specified transaction (for example, any credit institution, the seller himself, any other (other) natural person (s) or legal entities).

[0058] In accordance with some embodiments of the present invention, the secondary lender may provide the Consumer with payment terms (for example, monthly installments / installments) to the secondary lender in payment of the principal amount and / or loan fee (for example, interest or any other type of fees ) The secondary creditor may securitize the amounts payable to the seller using a credit line provided to the Consumer by the original creditor (for example, a credit card issuer). Simultaneously with payment to or before the seller, the lender (for example, a secondary lender) may request authorization of the loan from the original lender for the remaining amounts payable, including credit fees (for example, interest, commission, any other additional fees).

[0059] In accordance with some embodiments of the present invention, the secondary lender may request a partial payment of an authorized loan from the original lender based on agreed payment conditions between the secondary lender and the Consumer. Since each credit authorization expires either within a predetermined period of time or on the basis of some action, the secondary lender can re-securitize any remaining balance of the Consumer's debt through periodic repeated credit authorization requests in the amount of the outstanding balance.

[0060] According to some embodiments of the present invention, the aforementioned re-securitization and money transfer cycle can be performed again until all payments due are paid to the secondary lender. In case of unsuccessful attempt of repeated securitization, the indicated secondary creditor may request from the original creditor to transfer to him the full balance of the debt from the Consumer based on the previous securitization.

[0061] In accordance with other embodiments of the present invention, by re-securitizing the full balance of the debt to the secondary lender, or a portion thereof, immediately before, in parallel or immediately after the payment by the buyer / cash withdrawal person of each payment (ie, before / in parallel / after the expiration [in time or initiated by action] of each previous credit securitization), the risk of non-repayable amounts can be reduced or minimized.

[Role / identification of primary and secondary lenders]

[0062] In accordance with some embodiments, the seller may be a seller of goods, real estate, cash and / or a service provider, such as: (1) financial services, (2) banking services, (3) leasing services, (4) communication services, (5) medical services, (6) travel services, (7) currency exchange services, or any other goods or services. The seller can provide the Customer with goods or services: (1) at a point of sale with service personnel (for example, at the cash desk), (2) through an automated device (for example, an automatic dispenser, ATM, etc.), (3) through e-commerce website or through an application with payment over the Internet and / or (4) using a mobile trading system, or by any method currently known or developed in the future.

[0063] In accordance with some embodiments, the seller may also provide financial services, for example, lending or providing currency to the Client in another way. In accordance with some embodiments, the seller of goods and / or services may act as a secondary lender. For example, a retailer, based on securitization provided by one or more of the original lenders, may provide the Customer with loans for: (1) an instant cash loan; (2) the purchase, rental or leasing of goods; and / or (3) services. In accordance with some embodiments, the secondary creditor may be any bank (s), and / or credit union, and / or any financial institution (s), and / or any other organization, and / or any person (s).

[0064] In accordance with some embodiments, the original creditor may be a credit card issuer, financial institution, credit union, and / or any other organization that provides and / or transfers credit and / or payment services to or on behalf of the Client.

[Options for establishing the availability / provision of services of a secondary creditor (payer for the transaction)]

[0065] In accordance with some embodiments, the Client may establish the provision of services or the ability to pay for a transaction by a secondary creditor (secondary credit service provider) either during the transaction or in advance. As part of the establishment of an agreement on the Payer with a secondary creditor or organizer of a secondary loan, the Client may provide personal and financial information, including: (1) name, (2) address, (3) identification number (for example, social security number), and (4) one or more identifiers of the accounts of the original creditors (for example, credit card accounts), on the basis of which the secondary creditor may securitize payments for payments made or other additional considerations of the secondary creditor, from Customer Name. In accordance with additional options for implementation, the Client may be provided with a number of indicators of the initial bank accounts of the initial credit lines that can be used to securitize the costs associated with the transaction, and the Customer may indicate: (1) the preferred order or priority of the initial accounts when securitizing the transaction amount ; (2) the preferred ratio by which securitization of the transaction amount is divided among several accounts of the original creditor; and (3) any other rules or parameters that may be used by the securitization module in accordance with embodiments of the present invention when authorizing a transaction on behalf of the Client. In accordance with additional embodiments, the Client may provide identification information and use the account of the original creditor of one or more other individuals and / or legal entity (s), for example a company, family member and / or friend, such individual (s) and / or legal entities that have agreed to the use or loan of their loan funds / accounts by the Client.

[0066] A computer system in accordance with embodiments may comprise a Client interface, optionally, a web interface with which the Client can establish and / or change one or more accounts of secondary lenders. Establishing and changing may include providing or changing information and parameters, as described above, and indicating or re-indicating: (1) preferences for requesting an initial account or priority in securitizing the transaction amount; (2) the preferred ratio by which securitization of the transaction amount is divided among several accounts of the original creditor; and (3) any other rules or parameters that may be used by the securitization module in accordance with embodiments of the present invention when authorizing a transaction on behalf of the Client.

[0067] Setting up a secondary lender account, in accordance with embodiments, may include issuing an identification means to secure transactions, such as: (1) a credit card of a secondary lender, (2) digital identification means or the like, used to authentication in online transactions, (3) a component of a mobile application used for mobile payments, and / or (4) any other means of identification for securing payments, currently known or developed in the future. This means of identification may be special for a given account of the Client and may be used by the Client when initiating a transaction in accordance with embodiments of the present invention. The identification means may contain one or more Client identifiers used in a computer transaction authorization system, in accordance with embodiments, to initialize the steps necessary to authenticate and authorize a transaction in which the Client wants to participate.

[0068] FIG. Figure 4 shows, in accordance with some embodiments of the present invention, a table describing modules of an example transaction system comprising a consumer interface module, a seller interface module, and a primary credit service provider (s) interface module. The consumer uses the consumer interface module to access and edit / update the data / profile of the consumer / client of the secondary lender, add or change personal data, his list of original creditors, their terms of use and / or any other attributes associated with his own data and / or with his original creditor (s). The seller interface module is used by the seller to send requests to the secondary lender for lending to the consumer’s transaction and to receive answers to these requests. The initial creditor interface module (securitization module) sends securitization requests based on transaction information provided in the profiles of the initial consumer and seller creditors to one or more of the original credit service providers and receives a response from one or more of the requested initial creditors (e.g. Authorized / Not authorized / Partially authorized).

[0069] In accordance with some embodiments of the present invention, if a product or service is not provided, is returned properly, or for any other reason that may justify the return of the full cost of crediting the purchase or part thereof to the buyer and / or other parties, a refund procedure will be initiated. The lender (for example, the Secondary lender) can receive the data of the “return” transaction and can accordingly debit the full amount of the purchase or part of it from the seller. She may return, or demand from the original creditor, to return the full amount or part thereof paid by the buyer, and the full amount not yet paid by the buyer, or part thereof.

[0070] In accordance with some embodiments of the present invention, the method may be used for external coordination, or may allow or make possible the cooperation of one or more independent, external or internal persons, that is, any consumer, creditors, sellers, acquirers, issuers or other parties to provide the installment method disclosed above. In addition, external or modular lending to these installment transactions (for example, using an external lender / 3rd party / secondary lender) can be used, and can be used for and can provide the ability to attract one or more secondary credit sources, or cash withdrawals from various sellers, which may or may not be tailored specifically for this type of service and may or may not be the lender to the cash withdrawal transaction.

[0071] In accordance with some embodiments of the present application, a transaction system is proposed for securing credit transactions between a seller and a consumer of goods and / or services and / or cash (eg, cash) that can be initiated anywhere access (for example, online, at a point of sale, ATM) or through it.

[0072] Modules may be provided for a seller’s agent, cash register agent, or cash withdrawal agent that are part of a transaction system or functionally related to a transaction system. The module of the seller’s agent, cash register agent or cash withdrawal agent, access to which can be obtained through any access point (for example, online, at the point of sale, ATM / ATM), can be performed with the possibility of offering the Consumer the terms of repayment of the amount payable to the seller by the lender (for example, a secondary lender), and credit fees (for example, interest or any other fees) by which expenses can be distributed over time (for example, monthly payments, installment payments) , and the initiation of such a transaction after the approval of the specified Consumer.

[0073] A securitization module may be provided that is part of a transaction system or functionally related to a transaction system. The securitization module can be configured to securitize the amounts payable to the seller, together with the loan fee, by requesting the original creditor (for example, a credit card issuer or any other creditor) to authorize a loan in the amount of the full amount, possibly using a credit line provided to the Consumer. The specified securitization module can be additionally configured to make requests for loan authorization from the original lender for the balance of the debt, including the loan fee, before payment to the seller or at the same time.

[Details of transaction payment authorization - type of securitization]

[0074] In accordance with some embodiments of the present invention, within the framework of dividing the value / amount of a transaction into payments, a Consumer of goods and / or services and / or cash (eg, cash) may use a payment mechanism or authorization device, such as a payment card or an online payment application provided by a secondary lender. Using the payment mechanism of the secondary lender can lead to the fact that the secondary lender: (1) authorizes the parameters of the transaction; (2) checks the availability of one or more initial credit lines sufficient to cover the transaction amount, and (3) subject to (1) and (2) pays the seller the full cost or part of the cost of purchased goods and / or services. A secondary creditor can be any third party willing to credit the specified transaction (for example, make payment to the seller).

[0075] In accordance with some embodiments of the present invention, the transaction amount provided by the secondary lender, including credit fees, may be securitized, for example, based on one or more credit lines provided to the Consumer by one or more original lenders. Based on the specified securitization, secondary lenders can pay the seller the amount of the transaction, as a rule, with the exception of lending fees. In accordance with some embodiments, the amount that is securitized based on any one or more of the original lines of credit may be a fixed amount, a certain percentage, or a dynamically calculated amount. In accordance with embodiments in which securitization of the balance of the debt based on two or more credit lines is carried out, the amount selected for each of the two or more original lines can be selected dynamically so as to reduce the risk of any of the original creditors not securitizing part of the amount selected for securitization through it.

[0076] A money transfer module may be provided as part of the transaction system or functionally associated with the transaction system. The money transfer module can be implemented with the ability to carry out instructions, based on authorization by the specified original creditor, on the transfer of the entire purchase / cash withdrawal amount, with the exception of the loan fee, from the secondary lender to the seller.

[0077] In accordance with some embodiments of the present invention, said securitization module may be further configured to re-securitize any remaining consumer debt to a secondary lender through periodic repeated credit authorization requests in the amount of the remaining debt. The specified money transfer module can be additionally configured to make requests, after repeated securitization of the outstanding balance, to the original creditor for transferring the amount of the current payment in accordance with pre-agreed repayment conditions (for example, monthly payments) from the Consumer to the secondary creditor.

[0078] In accordance with some embodiments of the present invention, the aforementioned re-securitization and money transfer cycle can be performed again until all payments due are paid to the secondary lender. In the event of an unsuccessful attempt to re-securitize, the specified money transfer module can be made with the possibility of making requests to the original creditor for transferring the full balance of the debt from the Consumer to the financing party (for example, the secondary creditor) based on the last previous securitization.

[0079] In accordance with further embodiments of the present invention, said securitization module may be configured to re-securitize the full balance of the debt to the secondary lender, or a portion thereof, immediately before, in parallel, or after the buyer / cash withdrawal of each payment (t. e. before / at the same time / after the expiration [in time or initiated by action] of each former credit securitization), thereby reducing or minimizing the risk of cash splendens unrecoverable amounts.

[Methods / options for repayment and re-securitization]

[0080] In accordance with some embodiments of the present invention, partial payment of the transaction value may be received either from the original creditor or directly from the buyer of the product or service. In accordance with some embodiments of the present invention, in the event of an unsuccessful attempt to re-securitize, the secondary lender may receive a payment in the amount of the full outstanding balance from the original lender.

[0081] In accordance with some embodiments of the present invention, the partial payment that the secondary creditor accepts may be one of a series of equal payments or one of a series of unequal partial payments. The size and time of making payments can be set in accordance with a predetermined schedule of payments, in addition, the partial payment can be essentially equal to the financed amount along with the loan fee divided by the number of payments to be made.

[0082] In accordance with some embodiments of the present invention, a repeat securitization cycle may be started, each cycle may include: re-securitizing the outstanding balance; and a request to transfer the current payment, on the basis of conditions previously agreed with the Consumer, to the secondary creditor (for example, through a credit line provided to the Consumer by the original creditor).

[0083] In accordance with some embodiments of the present invention, said recurring cycle may be terminated after the transfer of all payments payable to said secondary lender. In case of unsuccessful attempt of repeated securitization, the indicated secondary creditor may request from the original creditor to transfer to him the full balance of the debt from the Consumer based on the last previous securitization performed.

[0084] In accordance with some embodiments of the present invention, securitization and / or re-securitization of transaction value over a data network may include issuing a loan request and obtaining credit authorization. In accordance with some embodiments of the present invention, periodic receipt of partial payments may further comprise receiving transaction-related credit fees and / or receiving a commission value.

[0085] In accordance with some embodiments, various cycles may be used to request authorization and request for payment from one or more of the original creditors. Typically, the cycle may be a monthly cycle, however, if necessary, it may differ for some reason. The authorization request cycle can be, for example, 25 (twenty five) days.

[0086] The cycle for a payment request may be, for example, a monthly one. More specific:

[0087] 1. The purchase occurred on March 1 and authorization was requested and received on March 1.

[0088] 2. On March 25, authorization was requested and received. Payment requested and received on April 1. If the authorization request is rejected, there is another 5 days for corrective actions, for example, repeated authorization requests, and / or requests of another credit card from the consumer. In the event of a power outage, there will probably be enough time, since the power system, as a rule, restores full functioning within two to three days.

[0089] 3. On April 19, authorization was requested and received. Payment requested and received on May 1.

[0090] 4. On May 14, authorization was requested and received. Payment requested and received on June 1st.

[0091] 5. On June 8, authorization was requested and received. Payment requested and received on July 1.

[0092] 6. July 3, requested and received authorization. Payment requested and received on August 1.

[0093] 7. On July 28, authorization was requested and received. (NOTE: there is no authorization request at this stage).

[0094] 8. On August 22, authorization was requested and received. Payment received September 1.

[0095] 9. September 16 requested and received authorization. Payment requested and received on October 1.

[0096] 10. On October 11, authorization was requested and received. Payment requested and received on November 1.

[0097] 11. On November 6, authorization was requested and received. Payment requested and received on December 1st.

[0098] 12. On December 20, authorization was requested and received. Payment requested and received on January 1.

[0099] 13. On January 4, authorization is requested and received. Payment requested and received on February 1.

[00100] 14. On January 29, authorization is requested and received. (NOTE: there is no authorization request at this stage).

[00101] 15. On February 22, authorization was requested and received. Payment requested and received on March 1st.

[00102] 16. On March 18, authorization was requested and received. Payment requested and received on April 1.

[00103] 17. On April 13, authorization was requested and received. Payment requested and received on May 1.

[00104] Accordingly, in this example, dual authorization could only occur in the last 5 (five) days of a 30-day authorization. It is very likely that within 25 days the authorization will be deleted from the data of the original creditor.

[00105] In the above example, there is always 5 days of difference / overlap between the current authorization and the expiration of the current authorization. Such a 5-day period of time (in this example) ensures that: (i) in case of denial of authorization, there is enough time to take corrective measures, such as: retrying the securitization, contacting the client to determine another source of securitization (i.e. e. another initial credit line, such as another customer’s card, or a card of any other individual and / or legal entity (s) with prior or current authorization of such an individual and / or legal entity (s)); (ii) in most cases of power outages / partial power outages, or any other catastrophic failures in the system of the present invention or external systems functionally associated with it (eg, communication systems), 5 days is sufficient time to recover; (iii) in the event of a massive attack by hackers / malware / cyberattack or internal software failure that could be related to internal or external events (for example, 2K error in 2000); (iv) in the case of any other internal and / or external event (s).

[00106] In accordance with further embodiments, the system may provide the ability to change the payout and authorization cycle to overcome potential threats. In accordance with other embodiments, such payout and authorization cycles can be dynamically adjusted in case of recognition of various or additional threats; in response to a request from one of the parties (consumer / seller / secondary lender); and / or in response to a change in the regulatory environment by state or partly state bodies, large initial credit systems, or any other organization.

[00107] In accordance with some embodiments of the present invention, the secondary lender is able to carry out a return procedure initiated if the product or service is not provided, returned properly, or for any other reason that may justify the return of the full cost of the purchase or loan , or parts thereof, to the buyer and / or other parties. The secondary creditor may additionally be able to obtain information about the repayment transaction and may accordingly deduct from the seller the full amount of the purchase or part of it. From the amount debited, he may refund or request the original creditor to refund the full amount of payments paid by the buyer, or a part thereof, and the full amount not yet paid to it by the buyer, or a part thereof.

[00108] In accordance with some embodiments of the present invention, said system may be configured to coordinate externally, or may allow or enable collaboration of one or more independent, external or internal entities, that is, any Consumer, lenders, sellers, credit acquirers cards, credit card issuers, installment plan organizers or others, to provide the method of installment payment disclosed above. In addition, this system can be implemented with the possibility of using external or modular loans for these installment payments (for example, using an external / secondary lender / third-party provider), and thus can provide one or more secondary credit sources lending, or cash withdrawals from various sellers, which may or may not be specifically designed for this type of service and may or may not be the financing party of the cash withdrawal transaction.

[00109] In accordance with some embodiments of the present invention, the payment scheme may be modified and prepared specifically for the consumer, for example, the first payment may be delayed, the payment schedule may be changed according to a pre-developed scheme agreed with the consumer, and more. In accordance with some embodiments, the payment scheme may be changed at any time after the conclusion of an agreement with the consumer in order to meet the current needs of the consumer. In accordance with some embodiments, such a change in the payment pattern may be a predetermined function, or may occur as a result of a predetermined dependence on some external factors (for example, changes in the base rate on loans).

[00110] In accordance with further embodiments, the consumer may pay the full balance of the debt ahead of schedule or pay out part of the balance of the debt ahead of schedule - in this case, its payment scheme can be changed in one or more ways, including: reducing the amount of at least some from payments, reducing the number of payments and so on.

[00111] In accordance with some embodiments of the present invention, if the current payment is declined, a payment can be accepted at the request of the Consumer and / or securitization can be made from another source, for example, from an additional credit card of the Consumer or from another physical or legal entity (s).

[00112] In accordance with some embodiments of the present invention, the transaction may be financed by the seller [[instead of external financing]].

[00113] In accordance with some embodiments of the present invention, transaction lending may be split between multiple recipients (eg, seller, financing party, clearing party, or any other party).

[00114] In accordance with some embodiments of the present invention, a prepayment of a lease or a mortgage can be financed by dividing the cost of the prepayment by installments (in whole or in part) when purchasing or leasing through a system, for example, a car, boat, house and other. Such prepayment loans can be provided through any initial lender (s).

[00115] In accordance with some embodiments of the present invention, the system can be used to issue loans in the form of periodic payments, which can be obtained directly through a credit or debit card used by the consumer for monthly payments, directly to the client’s bank account or in another way. Such a loan may be securitized by the original lender (e.g., credit card issuer, credit union or bank, non-bank credit card issuer).

[00116] According to some embodiments of the present invention, the Consumer can open an account in a system where it is possible to update additional credit card information in order to split the current authorization / re-securitization, as well as the actual receipt, between different cards in accordance with the instructions of the Consumer or a formula in the system, in order to share risks and increase the chances of approving transactions, or in accordance with the type of credit card (Platinum to Gold, etc.).

[00117] In accordance with some embodiments of the present invention, opening an account may allow the system to automatically request a re-securitization or authorization to receive funds from another card listed on the Consumer’s account, if the procedure is to re-securitize or receive funds from the first The card was declined during the Consumer Financing Period.

[00118] In accordance with some embodiments of the present invention, the system may know how to execute a transaction by means of a particular card or by splitting it between several cards that the Consumer could register on his account in order to achieve maximum benefits for the consumer that the various cards have in in accordance with the instructions of the Consumer or in accordance with the decision of the system, in such a way as to maximize the benefits for the Consumer (for example, collecting miles by airplane REPRESENTATIONS, refund (eg, cash back, etc.)).

[00119] In accordance with some embodiments of the present invention, a consumer can re-credit / re-securitize all existing transactions through a customer account in the system, combining or sharing some or all of the outstanding balances on various transactions.

[00120] In accordance with some embodiments of the present invention, an automatic system can be created for sharing financing by an external organization between several credit authorities (simulating a financial syndicate) and distributing financing between the parties in accordance with a given module, which is subject to agreement with credit authorities, and also extending the initial creditor's authorization to credit authorities in relation to risk and the degree of their obligations under the transaction.

[00121] In accordance with some embodiments of the present invention, the system can separate securitization requests in accordance with an algorithm that can provide a higher probability of authorization during the securitization process (for example, by splitting one securitization request into two: one for the payment due and one for the remaining amount).

[00122] In FIG. 5-12 show, in accordance with some embodiments of the present invention, various examples of securitization scenarios by an original creditor in an example transaction system.

[00123] In FIG. 5 shows, in accordance with some embodiments of the present invention, an example of a two-stage scenario in which the original lender approves both the initial securitization of the full amount of the transaction and the subsequent securitization of the remaining balance of the transaction.

[00124] In FIG. 6 shows, in accordance with some embodiments of the present invention, an example of a two-stage scenario in which the original creditor does not approve either the initial securitization of the full amount of the transaction, or the subsequent securitization of the balance of the transaction debt. For each refusal of authorization, the secondary creditor applies to the second original creditor (for example, indicated in the list in the data / profile of the consumer of the secondary creditor), which approves the securitization.

[00125] In FIG. 7 shows, in accordance with some embodiments of the present invention, an example scenario where the first initial lender approves securitization of only 50% of the transaction amount. In case of refusal of authorization for the entire transaction amount, the secondary creditor applies to the second initial creditor (for example, indicated in the list in the data / profile of the consumer of the secondary creditor), who approves securitization for the remainder of the transaction amount.

[00126] In FIG. 8 shows, in accordance with some embodiments of the present invention, an example scenario where the secondary lender requests securitization of the transaction amount by the first initial lender, and the first initial lender provides detailed securitization information (for example, a 5% fee), then the secondary lender asks securitization of the transaction amount by the second initial creditor, and the second initial creditor provides detailed securitization information (e.g. these in 2%). Due to the preferred conditions offered by the second initial creditor, the secondary creditor proceeds to securitize the transaction with him, and not with the first original creditor.

[00127] In FIG. 9 shows, in accordance with some embodiments of the present invention, an example of a scenario in which the seller is the original creditor. The secondary lender requests and receives securitization authorization from the seller, on the basis of which he finances the transaction.

[00128] In FIG. 10 shows, in accordance with some embodiments of the present invention, an example of a scenario in which a seller, who is a secondary creditor, asks the consumer about which of his initial creditors (for example, the second creditor who is listed on the list in the data / profile of the consumer) he wants to use for securitization. After receiving information about the preferred primary creditor selected by the consumer (for example, the second primary creditor), the secondary creditor proceeds with securitization with the selected primary creditor.

[00129] In FIG. 11 shows, in accordance with some embodiments of the present invention, an example scenario in which a consumer updates the data / profile of his secondary lender, adding the original (Fourth) lender and deleting the other (Second).

[00130] In FIG. 12 shows, in accordance with some embodiments of the present invention, an example scenario in which a consumer updates the data / profile of his secondary lender, requesting the securitization of all transactions in excess of $ 100 through a specific initial lender (Fourth). Accordingly, subsequent transactions in an amount not exceeding US $ 100 are forwarded to other initial credit service providers (in this case, the First, Second or Third), while subsequent transactions in an amount exceeding US $ 100 are sent to a specific initial creditor, designated by the consumer (in this case, Fourth).

[00131] According to some embodiments, the system described herein is organized and structured as a “cloud”, or partially as a “cloud”.

[00132] Furthermore, in accordance with some embodiments, the system disclosed herein is organized and structured to perform tasks other than the method disclosed in the present invention.

[00133] In accordance with some embodiments, the system described herein is organized and structured with the possibility of implementing affiliate programs (programs) for individuals and / or legal entities that can arrange communication between the owner and / or operator of such a system, on the one hand, and seller (s) and / or consumer (s), and / or purchaser (s), and / or secondary supplier (s) of credit services, and / or any other party, on the other hand.

[00134] In addition, such a system is designed to provide appropriate individualized information (eg, report (s)) to each member of the affiliate program, based on the principle of the need for access to information. Such a system may also include modules for analyzing the information provided. Such information provided may be provided upon request, or after certain intervals. In addition, a special signal (for example, a short text message (SMS), an e-mail) about predefined changes to the corresponding variables, control values, and so on, and / or the occurrence of predefined specific events can be provided to the partner program participant.

[00135] The affiliate program may include members of different levels. This means that partners can have agreements with the owner and / or operator of such a system (level 1). A participant at level 1 may have agreements with another natural person (s) and / or legal entities (level 2). A participant at level 2 may have agreements with another natural person (s) and / or legal entities (level 3).

[00136] The number of levels that can be provided in such a system is essentially unlimited.

[00137] The compensation provided to any particular partner of the affiliate program is individual and may vary depending on various circumstances, events, cases, factors and can be calculated using various algorithms.

[00138] In some embodiments described herein, the system is configured to implement and organize promotional lotteries, rewards, awards, prizes based on various algorithms and factors. Such lotteries, promotions, awards, prizes may be organized separately and / or jointly for the benefit of groups belonging to the following classes and / or entire classes listed below:

- consumers;

- sellers and / or their employees;

- participants in affiliate programs, and / or their employees, and / or related individuals and legal entities;

- original creditors and / or their employees;

- secondary creditors and / or their employees;

- other classes of individuals and / or legal entities.

[00139] According to some embodiments, the system described herein is configured to implement and organize various super prize draws, including, but not limited to, progressive super prizes, random super prizes, and such super prizes can be based on various algorithms and factors. Such super prizes may be organized separately and / or jointly and / or partially jointly for the benefit of groups belonging to the following classes and / or entire classes listed below:

- consumers;

- sellers and / or their employees;

- participants in affiliate programs, and / or their employees, and / or related individuals and legal entities;

- original creditors and / or their employees;

- secondary creditors and / or their employees;

- other classes of individuals and / or legal entities.

[00140] Although the specific features of the present invention are illustrated and described in the present application, it should be apparent to a person skilled in the art that many modifications, substitutions, changes and equivalents are possible. Therefore, it should be understood that all such modifications and changes that fall within the scope of the present invention are disclosed in the attached claims.

Claims (44)

1. A method for providing a user with credit transactions related to the purchase or rental by a client of goods, services, or real estate with the value of the transaction, or the provision of a loan, the method comprises the following: through the data transmission network through the transaction support server receive data indicating the value of the transaction; interacting between the transaction support server and one or more of the original creditor’s server for securitization of the transaction value data transmission network in relation to the credit line provided by one or more original creditors; through the user interface functionally connected with the transaction support server, the user receives the requested schedule of periodic partial payments, including the selection by the user of the amounts and payment dates, and the requested payment schedule contains several payments; after interactively establishing through the user interface an agreed schedule of periodic partial payments to pay for the value of the transaction, at least part of the transaction is financed, moreover, the agreed payment schedule includes several payments; periodically receive a partial payment to pay the outstanding balance at transaction value; and periodically interact between the transaction support server and one or more servers of the original creditor to re-securitize the balance of the debt, with such a securitization and re-securitization schedule that the balance of the debt will always be securitized. 2. The method according to p. 1, in which the type of transaction is selected from the group consisting of: purchase of goods or real estate; rental of goods or real estate; purchase or rental of a service; cash withdrawals; rent or lease of premises; Compensation for damage to leased or rented property; payment of fees, fines or penalties related to the termination of a lease or rental; a number of recurring payments; payment of fees, penalties or interest related to the financed and / or main transaction; payment of taxes or insurance costs; and / or utility bills. 3. The method of claim 2, wherein at least one of the one or more of the original creditors is selected from the group consisting of: (1) a bank, (2) a credit card company, (3) a credit union, (4) a seller, ( 5) manufacturer. 4. The method according to claim 3, in which the securitization of the data network, the transaction value in relation to the credit line provided by one or more of the original creditors, comprises selecting one or more of the original creditors from the pool of possible creditors defined by the client. 5. The method according to p. 1, in which the periodic receipt of a partial payment to pay the outstanding balance at the transaction cost is performed on the basis of a cycle significantly different from the periodic periodic securitization of the outstanding balance. 6. The method according to claim 5, in which the cycle of periodic re-securitization of the outstanding balance is 25 days. 7. The method according to claim 1, further comprising, in case of an unsuccessful attempt to re-securitize or in an unsuccessful attempt to receive a partial payment according to the schedule, a requirement from the original creditor on the basis of said securitizations and re-securitizations of the full payment of the outstanding balance. 8. The method of claim 1, further comprising, in the unsuccessful attempt of re-securitization with the first original creditor, an attempt to re-securitize with the second original creditor. 9. The method of claim 1, further comprising: receiving from the user, after said financing, at least part of the transaction, a request to change the agreed payment schedule, including the selection by the user of new amounts and payment deadlines; and interactive re-establishment of an agreed schedule of periodic partial payments to pay the remainder of the transaction value. 10. The method according to p. 1, in which the securitization of the value of the transaction over the data network contains the issuance of a loan request and obtaining credit authorization. 11. The method according to claim 1, in which the cycle of periodic re-securitization of the balance of the debt is shorter than the cycle of periodic receipt of partial payments. 12. The method according to claim 1, wherein said dynamic securitization of the transaction value comprises the selection of one or more initial creditors based on an algorithm designed to maximize the additional benefits provided to the user by the original creditors, the additional benefits being additional compensations not related to the transaction, having monetary value provided to the user by the original lenders based on previous agreements between the user and the original creditor. 13. The method according to p. 1, in which the schedule of periodic partial payments to pay for the value of the transaction is changed after the transaction at the request of one of the parties. 14. The method according to p. 1, in which the financing of the transaction value is carried out through the seller. 15. The method according to claim 1, in which the financing of the transaction value is shared between several sources of financing. 16. The method of claim 1, wherein the down payment for purchases that at least partially finance on credit is financed by dividing the cost of the down payment by installment payments. 17. The system of transactions to ensure for the user credit transactions related to the purchase or rental by the client of goods, services or real estate with the value of the transaction, and this system contains: one or more transaction support servers containing computing circuits, communication circuits, and a collective control logic device, and configured to: (1) receive an indication of the value of the transaction over the data network; (2) interact with one or more servers of the original creditor for securitization of the transaction cost data network with respect to the credit line provided by one or more original creditors; (3) through a functionally connected user interface, receive from the user the requested schedule of periodic partial payments, including the selection by the user of the amounts and terms of payments, and the requested schedule of payments contains several payments; (4) to initiate financing of at least part of the transaction after interactively establishing, through the user interface, an agreed schedule of periodic partial payments to pay for the transaction value, the agreed payment schedule containing several payments; (5) periodically receive a partial payment to pay the outstanding balance at the transaction value; and (6) periodically interact with one or more servers of the original creditor to re-securitize the balance of the debt with a securitization and re-securitization schedule in which the balance of the debt will always be securitized. 18. The system of claim 17, wherein said logical device comprises a securitization module configured to securitize transaction value. 19. The system of claim 18, wherein said securitization module is further configured to obtain data related to the number or amount of said partial payments. 20. The system of claim 18, wherein said securitization module is further configured to receive data indicating the cost of a product or service from a seller’s agent selected from the group consisting of a seller’s terminal agent, online seller’s agent, cash register agent, and agent cash withdrawal. 21. The system of claim 18, wherein said securitization module is further configured to initiate a loan request and receive credit authorization as part of the transaction cost securitization. 22. The system of claim 18, wherein said logical device further comprises a funds transfer module configured to execute transaction financing after securitization. 23. The system of claim 17, wherein said system is further configured to receive payment of the balance in full from the original creditor in the event of an unsuccessful attempt to re-securitize. 24. The system of claim 18, wherein said securitization module is further configured to periodically re-securitize the outstanding balance. 25. The system of claim 17, wherein said system is configured to issue an installment loan or to issue installment loans. 26. The system of claim 17, wherein said control logic device is configured to securitize a transaction on a specific credit line or to split securitization into multiple credit lines. 27. The system of claim 17, wherein said control logic device is configured to request periodic payments from a particular credit line or to divide securitization into several credit lines based on an algorithm to maximize the additional benefits provided by various credit lines, the additional benefits being not cash-related compensations related to this transaction, provided to the user by the original creditors based on previous a compromise between the user and the original lenders. 28. The system of claim 17, wherein said control logic device is configured to re-securitize a number of existing transactions by combining or dividing the outstanding balance of a number of transactions. 29. The system of claim 17, wherein said control logic device is configured to automatically re-securitize the remaining balance of debt in relation to another line of credit indicated in the Consumer’s account, if one of the procedures is repeated securitization or receipt of funds in relation to The first line of credit was declined. 30. The system of claim 17, wherein said control logic device is configured to split loans between several credit authorities and distribute financing between authorities in accordance with a predetermined method, as well as authorize the original lender to financiers regarding the risk and the degree of their obligations in the transaction . 31. The system of claim 17, wherein said system is configured to separate securitization requests in accordance with an algorithm capable of increasing the likelihood of approval in a securitization process. 32. The system of claim 31, wherein said system is configured to automatically request re-securitization or approval to withdraw funds from credit cards indicated in the accounts of other individuals in accordance with prior or current permissions of these individuals and the consumer. 33. The system of claim 17, wherein said system is further configured to: receiving from the user after financing at least part of the transaction value a user’s request to change the agreed payment schedule, including the selection by the user of new amounts and payment terms; and interactive re-establishment of an agreed schedule of periodic partial payments to pay off the balance of the transaction value.

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