RU2743338C2 - Method for implementing online electronic lending transactions and automated online system for its implementation - Google Patents

Abstract

FIELD: computing.

SUBSTANCE: present invention relates to methods for implementing electronic commerce and auctions, in particular, providing an online tool for making financial transactions carried out using computer tools of a lending institution (a lender) and a borrower, connected by the Internet to an online service platform. The objective of the claimed group of inventions is to expand the arsenal of technical means for the following purpose - "automated online method and system for implementation of online electronic lending transactions." The technical result is achieved by using an automated online system and method of lending, including registration with the help of a processor, of system participants, subdivided at least by their status into categories of lenders and borrowers, their authorization and access to the online trading platform in accordance with the status in the system, collecting and combining data on credit offers of lenders, including loan interest rates and conditions for accepting offers, while accepting information from the lender, including a regular offer on a loan interest rate open to all users and insider information that is not displayed on the trading platform's output devices, containing the minimum allowable loan interest rate, which is lower than the loan interest rate in the regular offer, and at the stage of the borrower's choice of the lender's offer, through the ETTP interface, the borrower’ counter-offer is accepted with data on the borrower's interest rate, including at least the loan interest rate offered by the borrower and the loan amount; the cost of the collateral of the borrower's offer is automatically calculated at the proposed interest rate and amount of the loan, the funds are deposited on the borrower's bank card in favor of the Marketplace, and the processor of the service part of the ETTP automatically compares the interest rate offers of the borrower with the lender's acceptance terms on the amount and interest rate proposed to the borrower with the minimum allowable and regular offer on the loan interest rate, with the borrower made interest rate offer constituting not less than the minimum allowable interest rate on the loan set by the lender, accept the borrower's offer and return the borrower's deposited funds from the Trading Platform account to the borrower's bank card account, and when at the stage of comparison of the borrower's offer with the lender's acceptance terms, the lending interest rate in the borrower's proposed offer is lower than the lender's minimum allowable loan interest rate, a pre-established message to the borrower is formed with a proposal to increase the proposed loan interest rate for acceptance, or refusal to accept the borrower's offer, or setting the previous interest rate offers in standby mode.

EFFECT: expanding the arsenal of technical means for the following purpose - "automated online method and system for implementation of online electronic lending transactions."

17 cl, 3 dwg

Description

Purpose and scope.

The present invention relates to methods for implementing electronic commerce and auctions, in particular, providing an online tool for performing financial transactions carried out using computer tools of a credit institution (lender) and a borrower, connected by the Internet to an online service platform, in particular, to a system and method conducting an electronic auction between borrowers and credit institutions (savings owners) through a third party - an online service platform, so that the borrower can offer the savings owner a certain rate of return on investment with the granting of the service platform the right to accept the transaction, and the credit institution can set acceptance criteria the borrower's proposals, with the granting of the right of acceptance to the service platform of the transaction if it meets the preset criteria and rules for acceptance.

Prior art.

Nowadays, methods of conducting electronic auctions and electronic auctions are widely known, in particular, using the Internet. So there is a known method of conducting an electronic auction, in which, in particular, operations of receiving data into an electronic system using input means, selecting values and characteristics of the goods or services of interest, displaying these values and characteristics on the display, processing data, displaying the results of data processing goods or services on display [US patent 9189815, IPC G06Q 30/08]. In turn, mention should be made of the method and system for creating an auction using a product catalog, in which the seller (electronic system) determines the conditions of the auction based on the characteristics of the goods taken from the product catalog [US patent 8095449 B2, IPC G06Q 30/06, G06Q 30/08 ].

However, the prior art is not limited to the transposition of automated online systems and methods for conducting electronic tenders and auctions for offered goods and services. There are also known solutions that reveal the possibility of implementing electronic online services for concluding financial transactions, including those related to loan transactions.

In 1998, Midorikawa et al. Invented an Electronic Dealing System (EDS) [US Patent No. 5,832,462 issued to Midoikawa et al. November 3, 1998]. This EDS, implemented on a general purpose computer, was used to process transactions, set, manage, and update credit lines, not only between individual clients, but also between groups of clients or between one client and a group of other clients. Several clients are combined into a subject group, or an initiator group, for which a common credit line is established relative to other clients or groups of clients; in addition, an individual customer or a separate customer group can select several other customers as an object group, or a business partner group for which a total credit line is also established. An entity group (lender), or initiator, can set a certain amount of credit line for an individual client-object (the counterparty, which the borrower is assumed to be), or a group-object (a group of clients acting as a counterparty), and in the course of calculations for the selection of a deal for a client from the initiating group, a credit line is checked using the mentioned amount of the total credit line of this initiating group to conclude a transaction with a client-counterparty or a group of clients, and the established transaction amount is deducted from the amount of the total credit line of this initiating group. Through the use of EDS, pairs of lender clients and borrower clients are matched electronically.

In 1999, Zandi received a patent for "A System and Method for Auctioning for Selling and Purchasing Credit Through a Computer Network" [US Patent No. 5,966,699, issued to Zandi on October 12, 1999]. This computer system was designed to conduct an electronic auction for the sale of loans over a computer network such as the Internet. This system included a computer connected to the Internet, which performed the following functions: (1) receiving an electronic loan application from a potential borrower; (2) transmission of such an application via a computer network to the computer of the creditor authorizing the issuance of the loan in order to obtain its approval; (3) receiving an e-mail from the computer of the creditor authorizing the issuance of the loan indicating whether the loan is approved or not; (4) entry of this loan purchase application, if approved, into a database accessible to creditors via said computer network; and (5) storing this loan application in a database for a predetermined period of time during which lenders submit their offers and the borrower can accept such an offer. This solution, on the basis of its essential features, is chosen as a prototype.

Among the disadvantages of the above systems and methods of electronic trading, including trading to conclude lending transactions, is that the borrower does not have the ability to influence the conditions of the auction-auction and the ability to choose the terms of their conduct is limited, as well as the strict binding of borrowers to the category of existing credit organizations, which excludes the possibility for both parties to the proposed transaction to expand activity in the lending services market, or creates a risk for the credit institution of a decrease in the specified market or loss of the share of borrowing clients.

Thus, there is a need to develop such a method and a system for conducting electronic online trading for concluding lending transactions between a credit institution (lender) and a borrower, which would allow overcoming the disadvantages of analogues.

The essence of the claimed invention.

The objective of the claimed invention is to overcome the aforementioned disadvantages and expand the arsenal of technical means for the following purpose: "a method for online electronic lending transactions and an automated online system for its implementation."

The technical result of the claimed invention is the implementation of the specified purpose.

The specified technical result is achieved by using a method for online electronic lending transactions, which is computer-implemented, in which each stage of the method, in whole or in part, is performed by executing computer-executable instructions in one or more processors of a computer system, including computer devices of the service part of an electronic trade. financial platform (ETFP), connected via communication lines with the computer devices of users of the system of the client part of the ETFP, and the method includes the stages, which carry out:

- receiving and transferring external data entering the system from users of the ETFP system into electronic form, processing the received data, including registration by the processor of the computer system ETFP system users, subdivided at least by status into categories of creditors and borrowers of lending services, their authorization and access to the ETF according to the status,

- the formation by the ETPP system for each user of an account, determined by the user's status in the system for placing data, which is a user database, which forms a set of formalized, hierarchically interconnected data areas located on a machine-readable medium of the ETPP memory block, while data management and their graphical the display is carried out by filling in the corresponding fields of the data presentation form (form) of the graphical user interface, arranged hierarchically,

- collection of information about the offers of creditors, including information on the types of loans, interest rates on them and the conditions for their provision, and combining them in a machine-readable database of the memory block of the service part of the ETPP computer system, equipped with at least one means of communication with client computer devices creditors and borrowers, and the formation of at least one catalog by the ETFT system, which is a register of creditor lending offers, while the open part of the catalog is displayed through the ETFP interface on the output devices of the client and service parts of the system, which differs from the prototype in that at the stage of collection information about the offers of lenders, accept and store in the catalog the data of the offer containing the acceptance conditions for the provision of each type of loan by the lender, including a regular offer open to all users of the ETFP, including information on the regular loan rate for each type of loan of lenders, and a closed for the borrower and other lenders other than the initiator of the offer, and an offer open for processing by the processor of the service part of the ETPP, including, for each type of loan, at least the minimum allowable lending rate, lower than the loan rate of the regular offer, and at the stage of choosing the lender's offer by the borrower for a loan, through the ETFP interface, a counter offer is received from the borrower with data on the interest rate offer of the borrower, including at least the loan rate offered by the borrower and the loan amount, the information of the lender and the borrower is stored in the database of the memory block of the ETFP system and the calculation is carried out in automatic mode the cost of the cash collateral of the borrower's offer at the proposed interest rate and loan amount, a request is sent through the processing center to the borrower's bank to deposit his funds on the borrower's bank card in favor of the Marketplace, if there are sufficient funds on the borrower's bank card, they receive a confirmation of the deposit the borrower's funds from the processing center to the ETPP server and the processor of the ETPP service part automatically compares the borrower's interest offers with the lender's acceptance conditions for the amount and the proposed interest rate of the borrower with the minimum allowable and regular offer at the loan rate for the amount specified by the borrower set by the lender, the establishment of the interest offer offered by the borrower not less than the minimum allowable loan rate set by the lender, accept the borrower's offer, transfer funds to the ETPP account, form and send to the borrower and lender a pre-established confirmation of acceptance of the borrower's offer and the conclusion in electronic form of a preliminary loan agreement with specifying the conditions for the completion of the transaction, while, when the computer device sends the client part of the ETPP system creditor to confirm the completion of the transaction and conclude a loan agreement, a transaction is carried out in the withdrawal of the deposited funds that provided the borrower's interest offer from the account of the Trading Platform to the account of the borrower's bank card, and when the borrower's proposed interest offer is below the lender's proposed interest offer at the stage of comparison of the borrower's offer with the lender's acceptance conditions, the server generates a pre-set message to the borrower increasing the proposed lending rate for the acceptance, or refusing to accept the borrower's offer, or putting the previous interest offer on hold.

In a preferred embodiment of the claimed invention, the lender, through the interface of the lender's ETPP subsystem, using the server processor, additionally generates rules for accepting the borrower's offers, the proposed price of which is equal or slightly higher than the minimum allowable lending rate set by the lender, the server saves them in the database of the ETPP memory unit and initiates in automatic mode when the specified event occurs. At the same time, the acceptance of the borrower's offers, the proposed price of which is equal to or slightly exceeds the minimum allowable lending rate, is carried out selectively on the basis of a lottery, the parameters of which are set by the lender and stored in the DB data structure of the ETPP memory block.

In another embodiment of the invention, the lender additionally sets a minimum minimum lending rate closed to the borrower that is less than the minimum allowable lending rate. Moreover, in a possible embodiment, the lender additionally sets the parameter of the minimum number of offers of borrowers and the parameter of the portfolio amount of these offers, which can be accepted at the minimum minimum credit rate, which is closed for borrowers.

Then, in another possible embodiment of the invention, when establishing at the stage of matching the offer of the borrower with the offer preset by the lender and the rules for its acceptance, if the proposed interest offer of the borrower corresponds to the range of the lender's lending rates below the minimum allowable, but above the minimum minimum credit rate, the ETPF processor generates and sends a preset message to the borrower with a proposal to select the offer mode with waiting, and when the borrower confirms the choice of this mode, which is sent to the server via the trading platform interface, the server automatically, using the processor, generates and sends to the processing center a preset control command for preliminary acceptance of the offer with waiting and writing off the funds corresponding to the offer declared by the borrower from the borrower's card to the ESCRO account of the ETPP, assigns a face number to the payment, generates using the processor and sends a message about the loan transaction burglar; based on the agreement of the offer mode with waiting, the server aggregates, using the processor, the offers of borrowers in the specified range of credit rates into a portfolio offer; automatically, upon reaching the number of offers of borrowers and their minimum portfolio amount preset by the lender on the server, they carry out, by means of the processor, the acceptance of offers of the portfolio offer and one or more electronic transactions between the ETF and the lender, form and send a preset confirmation of the acceptance of the offer to the borrowers of the portfolio offer and conclusion A preliminary agreement on the provision of a loan indicating the conditions for completing the transaction, while confirming the completion of the transaction, the deposited funds are transacted from the ETPP account to the bank card accounts of the borrowers.

In another embodiment, upon refusal to accept the borrower's offer, the server simultaneously generates a preset message to the borrower with a proposal to increase the offered price or complete the auction, while, when the borrower confirms the completion of the auction, the server initiates and transmits a control command to the processing center to unblock the deposited funds at the bank the borrower's card, carried out at the stage of the borrower's offer or refund. transferred to the ESCRO account ETFP at the stage of preliminary acceptance of the offer with the expectation. In this case, the lender additionally installs through the ETPP interface and saves with the use of the processor in the database of the trading platform memory module, the parameter of the minimum trading step by which the borrower's proposed price can be increased.

The minimum bidding step corresponding to the step allowed in the ETPP system for changing the credit rate by the user can be specified in the ETPF server message sent to the borrower and / or displayed on the display device of the borrower's computer device using the ETPP interface.

The claimed technical result is also achieved by using an online trading system for implementing the above method, comprising an ETPP server, including at least a central processor with installed software, a memory module associated with a processor and a security module, and a system for storing data of bidders connected with a central processor, a memory module, and also containing a communication interface with a set of bidders and a processor that communicates with a set of bidders via a communication interface, characterized in that the system forms a two-tier sales system, where the data storage system contains at least data of two groups of bidders with the status of a lender and a borrower, including at least identification information about the participant, his ID in the system, which determines his status and restrictions on access to system resources, while the memory module contains subsystems organized by software and hardware the borrower and the lender, the subsystem for determining the terms of the transaction, as well as the settlement and cash subsystem, connected through communication channels with the security subsystems and integration with the processing center, moreover, the lender's subsystem contains public and private data about goods, where public data contains at least , information on the terms of the loan and the regular offer of the loan rate, at which the lender makes a public offer of the loan on its portal and or ETF, and the closed data contains at least data on the minimum allowable loan rate set by the lender, the lower rate of the regular offer and the minimum the minimum loan rate is less than the minimum allowable rate, and the minimum minimum price is functionally related to the parameter of the minimum number of offers of borrowers and the parameter of the portfolio amount of these offers set by the lender, the borrower's subsystem contains at least the proposed credit the rate set by the borrower for lending and details for payment and / or deposit of funds for accepting the borrower's offer, and the sales levels are formed by the subsystem for determining the terms of the transaction, containing, at least at the first level, the procedure for accepting the borrower's offer according to the borrower's proposed price belonging to a price range higher or equal to the lender's minimum price, and at the second level, the procedure for accepting the borrower's offer according to the offered price belonging to the range below the minimum but higher than the lender's minimum minimum price.

At the same time, in a preferred embodiment, at the first trading level, the lender's subsystem further comprises a setting parameter for the bidding step, with a predetermined minimum step for changing the lending rate by which the borrower's proposed lending rate can be increased by preselecting the proposed lending rate below the lender's minimum permissible lending rate, and the subsystem for determining the terms of the transaction contains the conditions for starting this procedure and agreeing it with the processing center.

In another embodiment, at the first trading level, the lender's subsystem additionally contains lottery settings for accepting the borrower's offers, the proposed loan rate of which is less than the regular offer and is equal to or exceeds the minimum allowable lending rate, and the transaction terms determination subsystem contains the conditions for starting this procedure and agreeing it with processing center. At the same time, at the second level of trade, the subsystem for determining the terms of the transaction contains the conditions for accepting offers with waiting based on the minimum minimum credit rate preset in the lender's subsystem and the minimum number of goods that can be sold at this rate and the procedure for debiting funds from the bank account with the processing center the borrower upon preliminary acceptance of the offer.

List of drawing figures

FIG. 1. A system of online electronic lending transactions and an automated online system for its implementation

FIG. 2. An example of a possible data storage structure.

FIG. 3. Algorithm of the transaction process.

It should be noted that the examples of implementation presented in the drawings represent a limited range of implementation of the claimed group of inventions, which may have other embodiments.

Feasibility of the invention.

According to the claimed invention, an electronic trading financial platform (ETFP) is a software and hardware complex that includes a computer system consisting of a service (preferably containing a server part of the system) and client parts, interconnected by communication lines, the functionality of which is to implement the purpose systems are implemented through the execution of pre-installed. algorithms of the software part of the ETFP, using, for example, a programmable processor. In accordance with the purpose of the ETFT, the system can be implemented as an electronic trading platform containing an electronic catalog of credit services, which is a set of pre-installed software and hardware algorithms running on the website.

The set of software and hardware implemented in the claimed solution of the invention, which will be described below, allows the borrower, as a financial buyer, to remotely select a financial institution - a lender from those presented in the catalog and buy its service (take a loan from an organization, a loan on its own terms).

At the same time, according to the claimed invention, pre-installed, as a rule, in the processor of the service part of the ETFP, the software-implemented algorithms for processing the data of the users of the system allow the borrower to offer in the form of an offer secured with money to the selected lender presented in the ETFP catalog, his wishes for the amount of the loan he needs, the loan term and the maximum acceptable interest rate. The organization of access to the electronic trading platform in accordance with the status of the user of the ETFP system, subdivided at least into creditors and borrowers, allows the borrower to enter the necessary information about the possibility of servicing the loan (assets, rights of claim, etc., possible collateral), as well as all the required information about yourself that is necessary for the lender, which can be a bank or any other financial institution, to make a decision on granting a loan. According to the algorithms pre-installed in the ETPP hardware and software, the borrower is obliged to secure his offer (offer) with a certain amount of money, having deposited this amount on his bank card for a while. At the same time, if the lender through the Trading Platform (ETFP) accepts the borrower's offer for the loan amount, interest for using the loan, the term and purpose of the loan, the transaction is made in the form of a preliminary agreement, which then obliges the lender to conclude a loan agreement with the borrower and issue a loan. Under the definition of "transaction" within the framework of the claimed invention is meant a preliminary agreement, concluded remotely, in electronic form between the lender and the borrower, on the conclusion of the Credit Agreement, confirming the acceptance of the borrower's credit offer. It is the transaction, that is, the remote conclusion of the preliminary agreement in electronic form on the issuance of a loan by the lender to the borrower, is provided by the Trading Platform (ETFP).

The amount of the borrower's funds deposited as collateral for the proposed interest rate offer is preferably tied to the amount of the loan requested, (for example, it can be from one to ten percent of it) and serves as a guarantee that the borrower, having received automatic approval from the ETF to issue a loan on terms borrower, will not refuse to complete the transaction and conclude a full-fledged loan agreement with the lender.

Implemented as part of the claimed group of the invention, the ETPP software and hardware complex allows the lender to offer its service (credit, line of credit, overdraft, etc.) potential borrowers (loan offer, loan). These acceptance conditions include such parameters as the minimum acceptable interest rate for the lender on a loan for a specific period, the amount and the specific purpose of its use, as well as a set of other possible specific requirements for the future potential borrower. Such as the age of the borrower, his civil and social status and status, profession and other information. The specified conditions of the lender's credit offer and the conditions for its acceptance are stored in the memory unit of the service part of the ETFP computer system and determine the conditions for launching a preset algorithm for processing data on the borrower's counter offers in automatic mode, without the participation of ETFP users.

At the same time, the set of software and hardware ETPP provides automatic analysis and comparison of the purchased credit interest offer of the borrower (the borrower's offer) with the interest offer of the seller of financial services - the lender (for example, the terms of the lender's acceptance).

The borrower's offer, and the lender's acceptance conditions, are entered into the ETPP database, and the ETPP system automatically analyzes their counter-correspondence to each other. At the same time, the ETF at the stage of comparing the offers of the borrower and the lender, including the preset conditions for accepting the interest rate offer of the borrower, analyzes the compared offers (in the form of an offer) for the amount and loan rate of the borrower and the offer of the lender (in the form of a loan offer and acceptance conditions) at the loan rate for this amount. Both offers are submitted by the parties to the future transaction on ETFP independently of each other.

Thus, the lender fills the future Preliminary Loan Agreement with the acceptance conditions of his party by non-publicly entering information about his interest rate offer.

At the same time, the borrower, by entering information about his offer, fills the preliminary loan agreement with the conditions on his part.

Whereas ETPP automatically performs the functions of an independent escrow agent authorized by the parties and concludes on their behalf, on the algorithms for processing data entered by users preinstalled in the system, a preliminary loan agreement, autonomously, without the participation of system users, decides whether to accept the offer of the borrower by the lender (acceptance) or to refuse the borrower's offer. At the same time, the borrower and the lender, as subjects on the ETF, delegate to it their rights to make a decision on the acceptance of the offer (acceptance), or to refuse to accept the offer, as well as the right to conclude a preliminary loan agreement on their behalf.

According to the claimed invention, the ETFT based on the implemented software and hardware solutions actually prepares and carries out a transaction for the purchase and sale of a financial service. The lender (for example, the Bank) sells the loan, and the borrower (buyer) buys the loan. Both of them, each on their own and for themselves, enter their requirements (offers) into the System of the Trading Platform, as a set of data for the analysis of ETFs using software and hardware preinstalled for this purpose. And jointly, but independently of each other, they delegate to the ETFT system the right to accept their offers, that is, to make a purchase and sale transaction of financial services on their behalf and at their expense (Preliminary loan agreement). The responsibility of the borrower according to the rules of the ETFP is secured by his deposited money.

The ETFP system is designed to further attract individuals and legal entities to consume a variety of financial services, based on their material capabilities and wishes. In order to attract new subjects of financing to the financial market. An ordinary person is traditionally looking for an opportunity to take out a loan as profitable as possible. All traditional online retail financial resources offer people different ways to find what they need. Find a lender, familiarize yourself with his history, reliability and non-specific price (interest on loans) offers. All these resources are in one way or another set up to facilitate the process of finding a lender who is a seller of services, the formation of loyalty of a financial service borrower to a lender, in fact, this is an advertisement of lenders. One way or another, all these resources offer the borrower of financial services to respond positively to the proposals of the lender and, by their further actions, such as visiting the lender, to accept the public offer of the lender as a seller of financial services. Online, or as a result of a personal appeal to the lender, to agree with the terms of the Lender or reject them. That is, either go to the lender for a loan and get offers, or refuse it.

According to the claimed invention, the ETFP allows the borrower to make an online counter interest offer for a loan to the lender, secured by his own funds. At the same time, the ETFP system is designed in such a way that it automatically reacts online to the offer made by the borrower of financial services. The ETFP system rejects the borrower's offer or accepts it.

If the transaction is approved, the ETFP system automatically generates a request through the processing center to the borrower's bank to deposit funds from the borrower's account to the ETFP account. This money (tied to the amount of the loan requested by the borrower) ETPP returns to the borrower only after the conclusion of the main Loan agreement between the lender and the borrower.

In the event that the borrower's offer (his secured offer) is automatically rejected by the System, the System invites the borrower to make a new, more generous offer at the rate for the loan to the lender, or to make an offer similar in parameters to another lender, an ETPP participant. Or refuse attempts to accept the offer. In the latter case, all deposited money of the borrower in the amount of his secured offer is “unfrozen” by the system and becomes available again to the borrower of financial services.

It is fundamentally important in the operation of the ETFP system that the analysis and the result of comparing the offers of the borrower and the lender are possible only after the borrower provides his own offer with his own funds.

Securing the offer by the borrower is the deposit of money on the borrower's account in favor of the ETF. In this responsible way, the borrower of financial services delegates its right to conclude a transaction to the System and provides it financially.

The creditor's security of its obligations to fulfill the requirements of the Trading Platform Operation Rules is conditioned by the existence of a contractual relationship with the Trading Platform, with the lender assuming responsibility for the information on its financial service entered on the ETPP and responsibility for its performance.

In accordance with the claimed group of inventions, the lender enters in advance into the ETPP system, the database of users of the memory unit of the ETPP service part, the minimum permissible interest rate for each credit offer for issuing a loan for specific purposes, for a specific period and with specific requirements for a potential borrower. In case of coincidence with the requirements of the borrower, which he also independently and independently from the lender enters into the ETPP system users database, the ETPP system processor activates the transaction process. Entering the minimum allowable interest rate for the issuance of a loan by the lender into the ETFP System, as already mentioned, is confidential. The Borrower does not see information about its size on the display device of the client part of the ETF system and does not know what minimum interest rate on the loan the lender has entered into the System. The Borrower can only offer his own money-backed offer and wait for the Lender's response through the Marketplace. He may assume that his terms will be accepted by the lender through the Marketplace.

For sellers of financial services (lenders), the claimed group of inventions that implements the ETFP system and the method of lending with its help is an additional opportunity to sell their services and attract new customers.

For potential borrowers, the ETFP system is a real additional opportunity to borrow money at acceptable interest rates, an opportunity to choose a lender that provides the necessary services at an acceptable "price".

Thus, the borrower who wants to borrow a specific amount of money at the interest offered by him, for a specific period and specific goals, feels like the main subject of the ETFP. He enters into the System the maximum allowable interest on the loan, the term, goals and other data required for registration. If the interest and credit requirements offered by the borrower are lower than the Lender's Minimum Permissible Interest Rate, previously entered by the lender into the System, then the System refuses the borrower in a transaction and concluding a preliminary agreement with him on behalf of the lender. the borrower can make an unlimited number of offers (offers), increasing his Maximum interest rate offer until his offer is higher or corresponds to the Minimum interest rate of the lender. The fundamental novelty of this claimed invention lies in the fact that the borrower and the lender online delegate to the ETPP their rights to conclude a loan transaction, leaving the responsibility and burden for its execution.

The present invention can use various hardware-implemented components (eg, memory elements, modules and data processing elements, logic elements, etc.) that can perform various functions under the control of one or more programmable microprocessors or other control devices.

The program code that implements the ETFT functioning algorithm, according to the claimed invention, can be implemented using any programming language, such as C, C ++, Java, ASP, PHP, PERL and are implemented with various algorithms and any combination of data structures, functions, processes, procedures or other programming elements known from the prior art. Moreover, the present invention can be implemented using various methods of data transmission and processing known in the art.

Communication between participants (users) of the ETPP system of the present invention is achieved using any suitable means of communication known in the art for similar electronic trading platforms, such as: telephone network, switched telephone network, intranet, Internet, extranet, etc.

Users can interact with the ETPP system and its computer devices of the service and / or client part, through any input device, such as: keyboard, mouse, personal digital assistant, pocket computer, cell phone. In addition, the invention can be used in combination with any type of personal computer running any operating system known from the prior art (for example, Windows, MacOS, OS / 2, BeOS, Linux, UNIX and others).

In addition, the present invention may take the form of a computer program product stored on a storage medium having a computer-readable program code embodied in the storage medium. Such computer-readable storage media can be hard disks, CD-ROMs, optical storage devices, magnetic storage devices, and / or the like.

It should be understood that described. here, functional blocks, block diagrams, or their combinations, are implemented using algorithms (instructions) of a computer program in a software-hardware manner. These computer program instructions can be loaded onto a general-purpose computer, specialized computer, or other device, such as a programmable microprocessor, with software processing of data for their execution, so as to create conditions for the implementation of the functionality specified in the block or blocks of block diagrams. ...

These computer programs or source codes can also be stored in computer-readable memory such that instructions that are executed on the computer provide steps to implement the functions specified in the block or blocks of the block diagrams.

As used herein, the term "online" refers to interactive communication that takes place between participants located at a distance from each other, including messages through any of the networks or communications that have been described above.

The term "System" means a software and hardware complex that forms the information system on which the ETFP operates.

The data structure (Fig. 2) is one of the options for storing the data array of the Marketplace (ETFP) in the form of a relational model.

The term "Lender" denotes the status of a user of the ETF system and includes any individual, legal entity, charitable organization that produces, distributes or sells financial services (issuing loans and borrowings). These services may ultimately be offered to the Borrower directly or indirectly through the ETPP. Hereinafter, the sale of a financial service means the issuance of a loan (loan) at interest.

Within the framework of the claimed technical solution, this is a category of users, the identifier (ID) of which is stored in the data structure as a creditor ID and serves to identify creditors, their services and conditions.

The term "Borrower" denotes the status of a user of the ETF system and includes any individual, legal entity, charitable organization that can buy online or offline, financial services (take loans and borrowings) offered by Lenders through the ETF. Hereinafter, buying a financial service means obtaining a loan (loan) at interest.

Within the framework of a technical solution, this is a category of users, the identifier (ID) of which is stored in the data structure as the borrower's ID and serves to identify the borrowers and their interest and credit requirements.

"User ID" is a unique digital identifier in the data structure that allows the system to identify the user.

"Browser" - application software for viewing web pages; the content of web documents, computer files and their catalogs; web application management; as well as for solving other problems. On the global web, browsers are used to query, process, manipulate and display the content of websites.

The registration data of borrowers and lenders are stored in the data structure (1) and (2). In addition to ID, they may include: the name of the organization, its address, details and other data necessary for work; name, surname, address for delivery of documents and notifications, social security number, possibly work book data, civil status documents, data on possible encumbrances and obligations, e-mail address, credit card number and other possibly necessary data.

The term “Regular interest rate offer” means an open offer of a lender for a loan, containing a pre-established interest rate by the lender for a loan for a specific period, and specific goals, which can be obtained from public sources. This information is available to the borrower who is preparing to make a counter-interest offer to the lender and is the starting point for him to analyze the loan proposal and compare the loan offers of different lenders when choosing a lender in the ETF.

The term "Minimum allowable rate for issuing a loan" means the interest rate for issuing a loan, which the lender entered in advance in the form of an offer and the conditions for its acceptance into the ETFP system, as the minimum possible for lending to the borrower for a specific period, a specific amount and other conditions. The minimum allowable lending rate of the lender is not visible to the borrower and other ETPP users who initiate the lender's regular interest rate offer. These conditions are saved in the ETPP user database and are the terms of acceptance of the credit offer, implemented in the ETPP data processing algorithm.

The term "Maximum allowable rate for obtaining a loan" means the maximum interest rate at which the borrower wants to borrow a specific amount of debt for a specific period, and insists on when making a secured offer.

The online trading system for implementing the claimed method of lending, in the presented exemplary embodiment, preferably comprises an ETPP server, including at least a central processor with installed software, a memory module associated with a processor and a security module, and a system for storing data of bidders connected to the central processor, memory module, and also containing a communication interface with a set of bidders and a processor that supports communication with a set of bidders through the communication interface.

At the same time, the system forms a two-level sales system, where the data storage system contains at least the data of two groups of bidders with the status of a lender and a borrower, including at least identification information about the participant, his ID in the system, which determines his status, and restrictions on access to system resources.

The memory module contains the subsystems of the borrower and the lender, organized by software and hardware, a subsystem for determining the terms of the transaction, as well as a settlement and cash (106) subsystem connected via communication channels with the security subsystems and integration with the processing center.

The lender's subsystem contains public and private data about goods, where public data contains at least information about the conditions for granting a loan and a regular offer of a loan rate at which the lender makes a public offer for a loan on its portal and or ETF, and closed data contains , at least, data on the minimum allowable credit rate set by the lender, less than the regular offer rate and the minimum minimum credit rate less than the minimum allowable rate. The minimum minimum price is functionally related to the parameter of the minimum number of offers of borrowers and the parameter of the portfolio amount of these offers, set by the lender by settings (7) (Fig. 2), and the borrower's subsystem contains at least the proposed lending rate set by the borrower for lending and details for payment and / or deposit of funds to accept the borrower's offer. At the same time, the sales levels are formed by the subsystem for determining the terms of the transaction, containing, at least at the first level, the procedure for accepting the borrower's offer based on the ownership of the borrower's proposed price to a price range higher than or equal to the lender's minimum price, and at the second level, the procedure for accepting the borrower's offer based on the offered price range below the minimum but above the minimum minimum price of the lender.

In a particular case, at the first trading level, the lender's subsystem contains a parameter for setting the bidding step (settings (7)), with a preset minimum step for changing the lending rate by which the borrower's proposed lending rate can be increased if the proposed lending rate is preselected below the lender's minimum permissible lending rate , and the subsystem for determining the terms of the transaction contains the conditions for starting this procedure and agreeing it with the processing center.

Also, at the first trading level, the lender's subsystem can be additionally equipped with lottery settings (7) for accepting the borrower's offers, the proposed loan rate of which is less than the regular offer and is equal to or exceeds the minimum allowable lending rate, and the subsystem for determining the terms of the transaction contains the conditions for starting this procedure and agreeing her with the processing center.

At the same time, at the second level of trade, the subsystem for determining the terms of the transaction contains the conditions for accepting offers with waiting based on the minimum minimum credit rate preset in the lender's subsystem and the minimum number of goods that can be sold at this rate and the procedure for debiting funds from the bank account with the processing center the borrower upon preliminary acceptance of the offer.

In accordance with the present invention, in the block diagram of FIG. 1 shows a diagram illustrating an exemplary version of the operation of the ETFT system, which, in this example of the invention, contains the Lender's Subsystem (100), the Borrower's Subsystem (101), the Security Subsystem (105), the Transaction Condition Determination Subsystem (102), the Subsystem for Integration with the Processing center (103), the database is not presented in the illustrative materials).

The database receives and stores data about users of the System, services, orders, and other necessary data for the normal functioning of the System. The database can be any type of database, such as relational, hierarchical, object-oriented, and the like. The database can be organized in any suitable way, including data tables or lookup tables.

Authorization and authentication of users, as well as their rights or roles in the System, are carried out using the Security Subsystem (105). After the user enters the username and password in the data entry form, the Security Subsystem first identifies the user by the username and password stored in the data structure (1) and (2), by comparing the password entered by him with the password stored in the user database, and then authorizes by checking the rights and roles assigned by the Security Subsystem automatically or by the System administrator. The rights system settings are stored in the data structure (6). When a user works in the System, the Security Subsystem monitors the user's actions and provides functionality in accordance with his role.

The Lender's Subsystem (100) is a constituent part of the Trading Platform System, through which the lender enters into the System all information about himself, his regular lending services, specific requirements for borrowers, lending urgency, money volume, links between these parameters (open access). And, most importantly, his "Minimum Permissible Loan Rate", in other words, the minimum rate for using his money. With urgency, volume and relationships between these parameters (closed, confidential access for the borrower). Confidentiality is ensured by the Security Subsystem by defining access rights by user ID. By entering the below listed data (requirements) into the Subsystem, the lender makes an offer and forms "acceptance conditions" for the System to accept borrowers' offers on behalf of the Lender or to refuse them. The Lender's acceptance conditions (his offer) form the work of the Trading Platform (ETFP).

The lender enters through the Lender Subsystem a regular offer and the minimum interest rate for the lender on the loan.

The Lender enters through the Lender Subsystem the basic conditions for the provision of funds. This is a specific one-time loan amount, loan term, loan purpose. These parameters are linked to each other and the minimum loan rate acceptable for the lender.

The lender introduces specific requirements for the borrower, such as age, status, and other traditional requirements. These requirements also affect the acceptance of the borrower's offers in accordance with the rules established by the lender for the minimum loan rate permissible for the lender.

All data entered or received into the system as a result of the execution of a preset data processing algorithm are stored in the ETFP database

As already mentioned, the minimum rate allowed for the lender and other conditions of acceptance are "secret" for borrowers. This data is required by the System for its further reaction to the offer using the Subsystem for determining the terms of the deal (to be described below).

All Subsystem data is stored in the database (104)

Borrower subsystem (101) consists of the following set of modules:

Showcase of services.

It is an interface displaying services and regular offers entered into the System by Lenders.

The service cards of the Borrower Subsystem (101) display a list of lenders displayed on the margins of the Marketplace (ETF), their brief advertising description with a link to regular lender sites. It also displays the lender's regular offer for each type of loan, the term, purpose and minimum amount for concluding a loan agreement with a lender. The borrower, having chosen a specific lender, can offer him his interest offer (i.e. indicate the maximum allowable loan rate for the borrower, enter the amount that he wants to borrow from this financial institution (from the lender), the purpose and period for which he wants to borrow To do this, the Borrower, using the graphical interface, must click on the button in the product card "Offer the Lender your maximum allowable loan rate" and enter the required value in the displayed field All offers from borrowers are saved in the data structure (4).

Trading module.

Provides an interface for the interaction of the System with the borrower. Contains comprehensive information about the rules of the Trading Platform, the responsibility of the borrower for his offer. Informs the borrower that any offer at the loan rate must be secured by the borrower's deposited money.

It enables the borrower to make an offer to the Lender by entering the data of his bank card and depositing, that is, "freezing" money on it in the amount of a part of the offer to the Lender. The deposited amount is tied to the required loan amount. For example, the amount deposited by the borrower can be, in practice, from 1 to 10 percent of the requested loan amount (of the purchase offer amount).

The deposited amount is a deposit on the part of the borrower under the Preliminary Loan Agreement, the subject of which is the conditions for concluding in the future a Loan Agreement between the borrower and the lender.

If the Rules for working on the ETF, with which the borrower gets acquainted and accepts when depositing their own money, are approved by the System in terms of the "credit interest requirement", the System accepts the borrower's offer on behalf of the Lender and will write off the deposited borrower's money to the account of the Marketplace. The amount deposited by the borrower will be written off until the borrower signs the Loan Agreement with the lender. This period is indicated to the borrower online and is contained in the ETPP Operating Rules. After the conclusion of the Loan Agreement between the borrower and the lender, the deposited amount debited to the account of the Marketplace is returned to the borrower.

If the conditions of the Preliminary Loan Agreement are then violated by the borrower, the specified amount of the deposit will not be returned to him. It will be withheld in favor of the Marketplace for good. Possible violations of the borrower are described in the rules of the ETFP. This is a violation of the term during which the loan agreement must be concluded by the borrower, this is incorrect or false information about himself that the borrower enters into the System (he may try to mislead the lender by embellishing his credit history, his age, status, etc. ).

If the conditions, which the Borrower is familiar with and agrees with before depositing, are accepted by him, if the Borrower has correctly provided all the information required by the System about himself, if the Borrower deposited his own money to secure the offer, the System starts the process of automatic analysis of the Borrower's offer (comparison with the Lender's offer). If the System has automatically accepted the Borrower's offer on behalf of the Lender, comparing it with the Lender's offer, and has written off the deposited money of the Borrower in favor of the Marketplace, it is considered that the Preliminary Loan Agreement has been concluded. This means that the Loan Agreement must also be concluded. The Lender and the Borrower are obliged to conclude the Loan Agreement at a specific date specified by the Marketplace. The deposited amount, as it was said, after the conclusion of the Loan Agreement is returned to the borrower. The agency fee to the Marketplace for the conclusion of a credit transaction is paid by the lender after the conclusion of the Credit Agreement and the issuance of the loan to the borrower.

If the Rules of the Trading Platform, which the borrower familiarizes with before depositing, is accepted by him, his money to secure the offer will be successfully deposited, but in the process of automatic analysis will be rejected by the System due to an immodest loan interest offer to the lender, the System will automatically inform the borrower about the refusal to accept and suggests trying again with a "more generous" offer.

If the borrower does not intend to make a new offer to an already verified lender, he can go to the page of another lender and make a new offer to a new lender. In this case, the system does not give a signal to "unfreeze" the deposit. It only analyzes the "new" offer to a new lender with an "old" (at a credit rate) offer.

If the borrower does not want to make new counter interest offers to the previously selected and other creditors, he informs the System about it through the Borrower's Subsystem. The system through the Subsystem of integration with the processing center gives a signal to "unfreeze" the borrower's deposited money. The amount deposited by the borrower becomes available to him again in the shortest possible time, which can only be provided by the payment systems existing today.

The system does not allow the borrower to make a counter offer without depositing funds. The deposited amount, as the only security for the borrower's purchase offer, is “frozen” for the period required by the System for the response of the borrower's offer.

The ETF trading platform, through the Borrower Subsystem, first of all informs the borrower that the key in the System's work is the financial support of the borrower's offer, without which the System does not work. That the Marketplace provides automatic conclusion in electronic form of a Preliminary Loan Agreement between the borrower and the lender on their behalf. The fact that the borrower in the amount of his deposit is responsible for his counter credit interest offer and the fulfillment of the terms of the preliminary loan agreement.

The system through the Borrower's Subsystem sends messages to the borrower about the approval of his offer, their acceptance or rejection of his offer (he did not guess with the requirements). If the offer is approved, the money in the amount of the offer deposited on the Borrower's account is temporarily debited to the account of the Financial Marketplace, as a guarantee of the conclusion of the Loan Agreement by the Borrower, prior to signing the Loan Agreement.

Borrower's personal account.

Provides an interface for displaying and changing the personal data of the borrower, his identifier (ID), contact information, as well as information about previous transactions and their status.

The borrower's subsystem allows the borrower through the described communication systems (6.3.) In a browser or through other software that allows interacting with the System according to special protocols, choose a lender, his service, make a secured offer and, if he is "lucky", get the System's approval (acceptance ). The conclusion of the preliminary agreement between the borrower and the lender on specific conditions is carried out electronically, remotely. All service data is loaded from a database (104) and stored in a data structure (3).

The security subsystem (105) checks for user access to information and system sections by the user's role ID in the data structure (6). If the user is not yet registered in the System, then he offers him to go through the registration procedure.

When registering, the Security Subsystem assigns him a user ID and offers to enter the data of his bank card into an electronic form and saves this data in the data structure (2).

Subsystem for determining the terms of the transaction (102) - the key Subsystem of ETFT.

The subsystem for determining the terms of the transaction receives and processes information about the counter interest rate of the borrower, which is the maximum allowable interest rate of the borrower for each type of loan separately entered by the borrower into the System through the Subsystem of the borrower.

The subsystem for determining the terms of the transaction compares the borrower's offer with the lender's acceptance conditions, information about the lender's requirements, and its minimum allowable rate. This information has already been previously entered into the System by the lender through the Lender Subsystem.

The result of processing the received information by the Subsystem for determining the terms of the deal is a signal to approve a deal or a signal to refuse a deal. In other words - the Signal for Acceptance of the Purchase Offer of the Borrower or the signal for Refusal of the Purchase Offer to the Borrower.

The algorithm for determining the results of a transaction can be defined as follows:

- if the interest rate offer (maximum allowable interest rate offer) of the borrower corresponds (that is, higher or equal to) the Minimum allowable interest rate offer of the lender, then the Subsystem for determining the terms of the transaction saves the analysis result as positive.

- if the interest rate offer (maximum allowable interest rate offer) of the borrower does not correspond (that is, below) the Minimum allowable interest rate offer of the lender, then the Subsystem for determining the terms of the transaction saves the analysis result as negative.

The analysis results are saved in the data structure (4).

The result of the analysis and work of the Subsystem for determining the terms of the transaction, which is displayed to the borrower, can be two options: “The transaction is approved” or “Refusal from the transaction due to too low a rate, raise the interest rate you require”.

If the analysis results as negative, and the borrower's unwillingness to make a more generous offer, and the borrower's unwillingness to make an offer to another lender, the Subsystem for determining the terms of the transaction sends a command to the Integration Subsystem with the processing center, allowing the borrower to “unfreeze” the borrower's funds deposited for the offer on his account.

If the analysis is positive, the Subsystem for determining the terms of the transaction sends a command to the Subsystem for integration with the processing center to write off (collect) the Borrower's funds deposited for the offer from his account to the account of the Marketplace and notifies the borrower that the Preliminary loan agreement has actually been accepted by the lender. The subsystem additionally notifies the borrower that now he needs to fulfill all the responsibilities assumed. These obligations arose in the process of how the borrower entered information about himself and agreed to the Trading Rules on the Marketplace. He secured these obligations by depositing his money for the implementation of the purchase offer. The system also informs the borrower about the timing and procedure for completing the transaction and concluding the Loan Agreement.

For this purpose, the text and number of the Preliminary Agreement is displayed to the borrower on the display device of the client part of the computer system of the ETFP, and it is offered, for example, its transmission to the borrower's e-mail.

The subsystem of integration with the processing center (103) is responsible for communication with the bank of the borrower, lender and the account of the Trading Platform (ETFP).

The subsystem of integration with the processing center sends a command to the Bank of the Borrower to "freeze" and transfer the deposited funds of the Borrower from his bank card to the account of the Trading Platform if the analysis result is received from the Subsystem for determining the terms of the transaction as positive.

The subsystem of integration with the processing center sends a command to the Bank of the Borrower for "unfreezing" and transfer of the borrower's deposited funds on his bank card in case of receipt of the analysis result from the Subsystem for determining the terms of the transaction as negative.

The result of the work is saved in the data structure (5).

In more detail, a description of the algorithm for making a transaction using the hardware and software ETP is presented in the block diagram of FIG. 3 where:

301 - The Borrower enters the public part of the Marketplace and displays a showcase of lenders and services.

302 - The borrower chooses the lender and his lending service, according to the type of lending, goals, terms from those presented in the window.

303 - Having selected the type of lending, amount, term, purpose, the Borrower clicks the button "Offer your loan rate".

304 - The security subsystem checks if the Borrower is authorized in the System. If authorized, then it goes to (309), if not authorized, to (305).

305 - The system offers the Borrower to register or go through the authentication and authorization procedure. If the Borrower is not yet registered in the System, then the transition to (306) takes place. If the Borrower is registered in the System, then go to (325).

306 - When registering the Borrower, he is asked to confirm his agreement with the Rules and his responsibility on the Marketplace and enter the data required for registration to deposit his funds. The borrower is essentially asked to conclude a deposit-secured Preliminary Loan Agreement with the lender and secure its counter interest offer on the loan with the deposited amount, i.e. By "freezing" money in his account. The system offers the Borrower to calculate the deposit amount for the future offer, indicating (in percentage) the dependence of the deposited amount on the amount of the loan required by the borrower. The deposited amount is tied to the amount of the counter interest offer on the loan and the borrower must independently determine whether he has enough money on the card to secure his offer.

If the borrower has successfully registered, then the transition to (307).

If the borrower has not registered, then it returns to (302).

307 - After the registration procedure, the borrower is asked to enter the bank card details.

308 - The security subsystem checks the correctness of the data on his bank card filled in by the borrower. If the data specified by the Borrower is correct, then the transition to (309) takes place. If the bank card details are not correct, it returns to (307).

309 - The Borrower enters his counter credit interest offer, indicating the interest rate, enters the amount of the required loan, the loan term and the data required by the System (at the request and conditions of the Lender) about his age, professional and social status, debt to other lenders, collateral opportunities in the preset electronic form offered by the system interface. During this procedure, the borrower may be shown on the display device of the client part of the ETFP computer system information reminding him of responsibility for the information entered, since it (the Borrower's information) is part of the Preliminary agreement that he (the Borrower) concludes at that moment on his part and offers to conclude the Lender.

325 - The system checks if the status of the borrower's money deposition under his offer, if not deposited, then a transition occurs to (310), if deposited and the amount of the current rate is equal or less than the already deposited, then a transition to (311) occurs.

310 - The data on the deposited amount and the data of the Borrower's bank card are sent to the Subsystem of integration with the processing center to "freeze" the Borrower's funds in the deposited amount in his bank account. If the Subsystem of Integration with the Processing Center is refused to deposit the Borrower's funds in the amount necessary to make the offer (linked to the requested loan amount), since there is not enough funds, then the transition to (324) occurs. If the Subsystem of integration with the processing center receives approval for depositing the Borrower's funds in the amount necessary to secure the offer offered by him, then the transition to (311) takes place.

311 - If the Subsystem for determining the terms of the transaction has decided that the counter interest rate (Maximum credit interest offer) of the Borrower is higher or equal to the minimum possible credit interest offer of the Lender, then the offer is considered accepted by the System and the transition to (314) takes place.

312 - The system informs the borrower about the denial of the loan and the transition to (316) occurs.

314 - With the approved System of the Borrower's Offer, the System issues a command to the Subsystem for Integration with the Processing Center (103) to transfer the borrower's deposited funds from his bank account to the account of the Trading Platform. As a guarantee for the conclusion of the Credit Agreement. For a period until the conclusion of the Credit Agreement.

315 - The system informs the Borrower and the lender about the completed transaction. And notifies both of the term for concluding the Loan Agreement.

316 - In the event that the Borrower refuses his offer due to his too low offer at the loan rate for the loan requested, the System offers the Borrower options:

- increase the proposed rate for a loan, go to (309);

- make an offer to another Lender, go to (302);

- to refuse the offer and further attempts, go to (324).

317 - the lender checks the correctness and veracity of the data provided by the Borrower.

If the data is correct and truthful, then the Loan Agreement is concluded, go to (319).

If the data is not correct or not true, then the Loan Agreement is not concluded, go to (321).

If the designated term for concluding the Credit Agreement has passed, then the transition is made to (322).

319 - the lender enters into a Loan Agreement with the Borrower and informs the Marketplace.

320 - A command is sent to return the security money to the Borrower from the Marketplace account.

321 - the lender refuses the Borrower to conclude the Loan Agreement for a valid reason that the actual documents of the Borrower do not correspond to those to which he referred in his offer.

322 - A command is sent to assign the Borrower's “former” money, which provided his interest offer, to the Marketplace's income.

FIG. 1 illustrates an embodiment of a computer system or network architecture that can be used to implement the Marketplace described in the present invention. One or more of these computer systems can implement the methods presented herein as computer code. One or more processors, such as processor 200, which may be a dedicated or general purpose processor, are coupled to data bus 206. Bus 206 connects processor 200 to various other components of the computer system, and bus 206 is also contemplated to connect processor 200 to other computer systems. systems. Via bus 206, processor 200 can receive computer code. The term "computer code" includes a set of programs, instructions, instructions, signals, or data. Processor 200 executes computer code.

The computer system in FIG. 1 may include one or more memory modules 205 used by a computer to store and access source code.

The storage system 203 is an architectural solution for connecting external storage devices such as hard drives, disk arrays, tape libraries, optical drives to servers so that the operating system (202) recognizes the connected resources as local.

The computer system in FIG. 1 may additionally include other means for processing computer code that will be transferred between the computer system and external devices, including other computer systems. This transmission can be bidirectional or unidirectional.

The computer code transmitted to the interface 201 is transmitted in the form of signals, which can be electronic, electromagnetic, optical, or others. These signals can be transmitted using a variety of modes, including but not limited to: wires, cables, fiber optic cables, telephone lines, cellular lines. Interfaces 201 can be in the form of: modem, network interface (for example, an Ethernet card), wired or Wire-less systems (such as Wi-Fi, Bluetooth and IR).

I / O interface 204 can be any wired or wireless connection that allows the transmission of computer code.

The claimed modifications for the implementation of online electronic lending transactions and an automated online system for its implementation are technical solutions, since are particular solutions to the problem of achieving the claimed technical result by implementing a method and system, which are processes and devices, in which actions are sequentially, in time, performed on material objects - data processed and processed by the system in one way or another using computer devices. These actions carried out on data are: placing data in data fields on machine-readable media, activating data fields, data transfer. These actions are carried out using computer devices: processors, memory devices, external and internal machine-readable media, input-output devices, controllers and others. Thus, the claimed modifications of the invention are a process of performing actions on material objects using material means, i.e. is a technical solution - the way and to relate to objects protected as an invention.

The above modifications of the invention are industrially applicable since can be used in public life for electronic trading with the participation of citizens and organizations. The application and use of these modifications of the method does not cause any difficulties and can be carried out by people who have even basic training in the use of computers. When implementing the method, devices, devices and materials produced by the industry and available on the open market are used. The methods of implementation of the invention are user or operator work with a computer and input-output means. The means of implementation are the usual means used in computer systems and devices - input-output means, external memory devices, computers and their components.

Claims (18)

1. A method for carrying out online electronic lending transactions, in which each step of the method, in whole or in part, is performed by executing machine-executable instructions in one or more processors of a computer system, including computer devices of the service part of an electronic trading financial platform (ETFP), connected via communication lines with computer devices of users of the system of the client part of the ETPP, and the method includes the stages, which carry out: - receiving and transferring data entered into the system from users of the ETF system into electronic form, processing the received data, including registration of system users, subdivided at least by status into categories of creditors and borrowers of the lending service, their authorization and access to the ETF in accordance with status, - formation of a virtual office for each user, preset by the user's status in the form system, entering through the interface of the virtual office and recording user data into the memory block of the ETFP with the formation of a user database, while data management and graphical display is carried out using a preinstalled graphical user interface, - collection of information about the offers of creditors, including information on the types of loans, interest rates on them and the conditions for their provision, and combining them in a machine-readable database of the memory block of the service part of the ETPP computer system, equipped with at least one means of communication with client computer devices creditors and borrowers, and the formation of at least one directory by the ETPP system, which is a register of creditors' lending offers, while the open part of the catalog is displayed through the ETPP interface on the output devices of the client and service parts of the system, characterized in that at the stage of collecting information about offers of lenders, accept and store in the catalog the data of the offer containing the acceptance conditions for the provision of each type of loan by the lender, including a regular offer open to all ETPP users, including information on the regular lending rate for each type of loan of lenders, and closed for borrowing ka and other lenders other than the initiator of the offer, and an offer open for processing by the processor of the service part of the ETPP, including, for each type of loan, at least the minimum allowable lending rate, less than the loan rate of the regular offer, and at the stage of the borrower's choosing the offer of the lender for credit, through the ETPP interface, a counter offer is received from the borrower with data on the interest rate offer of the borrower, including at least the loan rate offered by the borrower and the loan amount, the information of the lender and the borrower is stored in the database of the memory block of the ETPP system and the cost is automatically calculated cash security of the borrower's offer at the proposed interest rate and loan amount, a request is sent through the processing center to the borrower's bank to deposit his funds on the borrower's bank card in favor of the Marketplace, if there are sufficient funds on the borrower's bank card, they receive confirmation of the deposition of funds of the borrower from the processing center to the ETPP server and the processor of the ETPP service part automatically compares the borrower's interest offers with the lender's acceptance conditions for the amount and the proposed interest rate of the borrower with the minimum admissible and regular offer at the loan rate for the amount specified by the borrower established by the lender, when the interest offer offered by the borrower not less than the minimum allowable loan rate set by the lender, accept the borrower's offer, transfer funds to the ETPP account, generate and send to the borrower and lender a pre-established confirmation of acceptance of the borrower's offer and the conclusion in electronic form of a preliminary loan agreement indicating conditions for the completion of the transaction, while the computer device sends the client part of the ETPP system creditor to confirm the completion of the transaction and conclude a loan agreement, a transaction is carried out to return the deposit monetary funds that secured the borrower's interest rate offer from the Trading Platform account to the borrower's bank card account, and when the borrower's proposed interest rate offer is lower than the lender's proposed interest rate offer at the stage of matching the borrower's offer with the lender's acceptance conditions, the server generates a preset message to the borrower with a proposal to increase the proposed credit rate for acceptance, or refusal to accept the borrower's offer, or putting the previous interest offer on hold. 2. The method according to claim 1, characterized in that the lender, through the interface of the lender's ETPP subsystem, using the server processor, additionally generates the rules for accepting the borrower's offers, the proposed price of which is equal or slightly higher than the minimum allowable lending rate set by the lender, the server stores them in DB of memory block ETFP and initiates in automatic mode upon occurrence of the specified event. 3. The method according to claim 2, characterized in that the acceptance of the borrower's offers, the proposed price of which is equal to or slightly higher than the minimum allowable lending rate, is carried out selectively on the basis of a lottery, the parameters of which are set by the lender, and is stored in the DB data structure of the ETPP memory block. 4. The method according to claim 1, characterized in that the lender additionally sets a minimum minimum lending rate closed for the borrower, which is less than the minimum allowable lending rate. 5. The method according to claim 4, characterized in that the lender additionally sets the parameter of the minimum number of offers of borrowers and the parameter of the portfolio amount of these offers, which can be accepted at the minimum minimum credit rate, which is closed for borrowers. 6. The method according to claim 5, characterized in that, with the offer and the rules of its acceptance preset by the lender, if the proposed interest rate offer of the borrower corresponds to the lender's range of credit rates below the minimum allowable, but above the minimum minimum credit rate, the ETF processor generates and sends a preset message to the borrower with a proposal to select the offer mode with waiting, and when the borrower confirms the choice of this mode, which is sent to the server via the trading platform interface, the server automatically, using the processor, generates and sends to the processing center a preset control command for preliminary acceptance of the offer with waiting and writing off the corresponding the offer of funds declared by the borrower from the borrower's card to the ESCRO account of the ETPP, assigns a face number to the payment, generates using the processor and sends a message about the transaction to the borrower; based on the agreement of the offer mode with waiting, the server aggregates, using the processor, the offers of borrowers in the specified range of credit rates into a portfolio offer; automatically, upon reaching the number of offers of borrowers and their minimum portfolio amount preset by the lender on the server, they carry out, by means of the processor, the acceptance of offers of the portfolio offer and one or more electronic transactions between the ETF and the lender, form and send a preset confirmation of the acceptance of the offer to the borrowers of the portfolio offer and conclusion A preliminary agreement on the provision of a loan indicating the conditions for completing the transaction, while confirming the completion of the transaction, the deposited funds are transacted from the ETPP account to the bank card accounts of the borrowers. 7. The method according to claim 1, characterized in that in case of refusal to accept the offer of the borrower, the server simultaneously generates a preset message to the borrower with a proposal to increase the offered price or complete the auction, while, upon confirmation by the borrower of the completion of the auction, the server initiates and transmits the control command to the processing center to unblock the deposited funds on the borrower's bank card, carried out at the stage of the offer of the borrower or the return of funds transferred to the ESCRO account of the ETPP at the stage of preliminary acceptance of the offer with waiting. 8. The method according to claim 7, characterized in that the lender additionally installs through the ETPP interface and saves using the processor in the database of the trading platform memory module, the parameter of the minimum bidding step by which the borrower's proposed price can be increased. 9. The method according to claim 8, characterized in that the minimum bidding step corresponding to the step of changing the credit rate allowed in the ETPP system by the user is indicated in the ETPP server message sent to the borrower and / or displayed on the display device of the borrower's computer device using the ETPP interface. 10. The method according to any one of claims 1-9, characterized in that the reception and transfer of external data of users of the ETFP system entering the system into electronic form, as well as the registration of users in the system is carried out by means of the processor of the computer system ETFP of its service part. 11. The method according to claim 10, characterized in that at the stage of forming the user's account, the user data is formed into a set of formalized, hierarchically interconnected data areas and stored on a machine-readable medium of the ETFP memory block, in the user database, and data management and their graphical the display is carried out by filling in the corresponding fields of the data presentation form of the graphical user interface arranged hierarchically. 12. An online trading system for implementing the method according to claim 1, comprising an ETPP server, including at least a central processor with installed software, a memory module associated with a processor and a security module, and a system for storing data of bidders associated with a central processor, a memory module, and also containing a communication interface with a set of bidders and a processor that communicates with a set of bidders via a communication interface, characterized in that the system forms a two-tier sales system, where the data storage system contains at least data from two groups of bidders with the status of a lender and a borrower, including at least identification information about the participant, his ID in the system, which determines his status and restrictions on access to system resources, while the memory module contains the subsystems of the borrower and the lender organized by software and hardware , a subsystem for determining the terms of the transaction, as well as p the accounting and cash subsystem connected through communication channels with the security subsystems and integration with the processing center, and the creditor's subsystem contains public and private data on goods, where public data contains at least information on the conditions for granting a loan and a regular offer of a loan rate, according to which the lender makes a public offer for a loan on its portal and or ETFP, and the closed data contains at least data on the minimum allowable credit rate set by the lender, the lower regular offer rate and the minimum minimum loan rate lower than the minimum allowable rate, with the minimum minimum price is functionally related to the parameter of the minimum number of offers of borrowers and the parameter of the portfolio amount of these offers set by the lender, the borrower's subsystem contains at least the proposed lending rate set by the borrower for lending, and details for payment and / or deposit of funds for the acceptance of the borrower's offer, and the sales levels are formed by the subsystem for determining the terms of the transaction, containing, at least at the first level, the procedure for accepting the borrower's offer according to the borrower's proposed price belonging to a price range higher than or equal to the lender's minimum price, and at the second level the procedure for accepting the borrower's offer according to the offered price belonging to a range below the minimum, but higher than the minimum minimum price of the lender. 13. The system according to claim 12, characterized in that at the first trading level, the lender's subsystem additionally contains a parameter for setting the trading step, with a preset minimum step for changing the lending rate, by which the borrower's proposed lending rate can be increased by preselecting the proposed lending rate below the minimum the creditor's allowable credit rate, and the subsystem for determining the terms of the transaction contains the conditions for starting this procedure and agreeing it with the processing center. 14. The system according to claim 12, characterized in that at the first trading level, the lender's subsystem additionally contains lottery settings for accepting the borrower's offers, the proposed lending rate of which is less than the regular offer and is equal to or exceeds the minimum allowable lending rate, and the subsystem for determining the terms of the transaction contains conditions for starting this procedure and agreeing it with the processing center. 15. The system according to claim 12, characterized in that at the second trading level, the subsystem for determining the terms of the transaction contains the conditions for accepting offers with the expectation based on the minimum minimum credit rate preset in the lender's subsystem and the minimum number of goods that can be sold at the given rate and approval with the processing center procedures for debiting funds from the borrower's bank account upon preliminary acceptance of the offer.

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