WO2014140685A1 - Plateforme de circulation & de gestion de garanties bancaires & de garanties de crédit unitaires - Google Patents

Plateforme de circulation & de gestion de garanties bancaires & de garanties de crédit unitaires Download PDF

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Publication number
WO2014140685A1
WO2014140685A1 PCT/IB2013/051874 IB2013051874W WO2014140685A1 WO 2014140685 A1 WO2014140685 A1 WO 2014140685A1 IB 2013051874 W IB2013051874 W IB 2013051874W WO 2014140685 A1 WO2014140685 A1 WO 2014140685A1
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WO
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Prior art keywords
bank guarantee
unitize
guarantee
contract
bank
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PCT/IB2013/051874
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English (en)
Inventor
Yogesh Chunilal Rathod
Original Assignee
Yogesh Chunilal Rathod
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Priority to PCT/IB2013/051874 priority Critical patent/WO2014140685A1/fr
Publication of WO2014140685A1 publication Critical patent/WO2014140685A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Definitions

  • the present invention relates generally to send, receive, transfer, update, present, consume, use, access, monitor, log or track, transact, report & manage Unit Bank Guarantee (UBG) Right or Unit Credit Guarantee (UBG) Right.
  • the present invention relates to a creating, defining, describing, legalizing, standardizing, convert into denomination of bank guarantee in the form of Unit Bank Guarantee (UBG) Right and enables users to store, send, receive, transfer, circulate, update, present, consume, use, access, monitor, log or track, transact, report & manage Unit Bank Guarantee (UBG) Right.
  • Each Unit Bank Guarantee (UBG) Right contains standardized right and value.
  • Each Unit Bank Guarantee (UBG) Right may conditional, unconditional, transferable or transmissible, non-transferable, divisible or fractionable or denominatable or denominable, non- divisible, assignable, have associate or auto or manually or remotely updated obligation to payment within particular period or pay particular number of installments within particular duration, have associate or auto or manually or remotely updated contact agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, letters of credit, various contract agreements, have associate or auto or manually or remotely updated unique global identity, description, conditions, rules, Bank Guarantee number, applicant, applicant bank, Cash Collateral Account, Guarantee Servicing Account, Guarantee Payment Account, reason, owner(s) id, details & profile, issued bank id, details & profile, amount, validity, currency code, name & type, location, digital signature, certificate, issued date, maturity date, expiration date, account number, Unit Bank Guarantee (UBG) Right including Right of using Bank Guarantee for receiving, applying, demanding, borrowing, debiting, crediting, transferring, gifting, donating
  • Each Unit Bank Guarantee (UBG) Right can Transferred from/to/within/among networks, platforms, web sites, applications, services, banks, systems, devices & persons like money & digital currencies and server can monitors, tracks, logs, & stores while each transfer information about each or one or more or group(s) of Unit Bank Guarantee (UBG) Right associate transferor, transferee, bank, beneficiary, transaction details, account details including payments, repayments, installments, interest.
  • Unit Bank Guarantee UBG
  • Transferor Transferee
  • Platform Administrator
  • User Beneficiary & Provider of Funds, Loans, Cash, Credits, Credit Line, Revolving Credit, Products & Services.
  • Main objective of the present invention is to creating, defining, describing, legalizing, standardizing, convert into lowest or defined denomination of bank guarantee or credit guarantee in the form of Unitize Bank Guarantee or Credit Guarantee (UCG) Right and enables users to store, send, receive, transfer, circulate, update, present, consume, use, access, monitor, log or track, transact, report & manage Unit Bank Guarantee (UBG) Right.
  • UCG Unitize Bank Guarantee or Credit Guarantee
  • Primary objective of the present invention is to dematerialization (DEMAT) or electronic or digital recording of Bank Guaranteed and any other types of Credit Guaranteed paper and enable to register, create, operate, & manage Unit Bank Guarantee (UBG) Right account(s) for depositing, debiting or crediting expired Unit Bank Guarantee (UBG) Rights, depositing transferring, transferring to one or more accounts of one or roe networks, re- transferring, updating, calculating, debiting, crediting, consuming, spending, using, accessing, paying fees, interest, commission & charges to guarantor or guarantor bank, monitoring, tracking & storing one or more Unit Bank Guarantee (UBG) Rights related transactions, actions, & activities, repayment of received or used credits in exchange of Unit Bank Guarantee (UBG) Right(s), viewing account, reports, notification.
  • DEMAT dematerialization
  • UBG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • Another objective of the present invention is to make complete or one or more steps of bank guarantee procedure, process, steps, workflow digital or electronic or online or wizard based, automated and/or partial automated with human or administrator(s) intervention including registering, consulting, applying, uploading or downloading documents, reviewing, evaluating, verifying, validating, processing, send or receive a guarantee offer, send or receive sign guarantee offer, collaboratively defining, drafting documents specifications, inputting online pre- created forms, contracts or agreements or deeds or certificate, negotiating, accepting teams & conditions & singing or digitally singing documents or contracts, opening accounts, confirming, issuing, paying fees or charges, permitting, ordering, advising, referring, transferring, re- transferring, re-approval for re-transfer, storing, circulating, updating, receiving permission, delivery, dividing or unitizing, dematerializing, transacting, consuming, using, receiving & repaying funds, loans, cash, credits, credit line, revolving credit, virtual currencies, goods or products & services, applications etc.
  • UBG unitize Bank Guarantee
  • UBG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • Other objective of the present invention is to enable social network(s) of account holder of Unit Bank Guarantee (UBG) Rights and facilitates to create, edit & manage profile, search, match, select, import, export, invite, sent request, accept invitation and add connections or contacts from one or more networks, applications, services, databases, & devices, search, match, select, request, communicate & negotiate with providers of Unit Bank Guarantee (UBG) Rights, enable to publish requirement for finding or matching provider of Unit Bank Guarantee (UBG) Rights, provider of Unit Bank Guarantee (UBG) Rights is enabled to search, match, analyze public data of account holders of Unit Bank Guarantee (UBG) Rights for searching, matching, inviting account holders or users of one or more Unit Bank Guarantee (UBG) Rights' networks, platforms, servers, databases, applications, services & devices for providing Unit Bank
  • UBG Unit Bank Guarantee
  • UCG Unit Bank Guarantee
  • present invention also creates social graph and monitoring, tracking & storing information about connections, transactions, events, interactions, debiting, crediting, activities, actions between or among edges including account holders of Unit Bank Guarantee (UBG) Rights and Unit Bank Guarantee (UBG) Rights.
  • a computerized Unit Bank Guarantee (UBG) Right global centralize server, platform, network, exchange, system, application, service is disclosed for facilitating the defining, standardizing, legalizing, storing, sending, receiving, circulating, transferring, accessing, consuming or using, trading, monitoring, tracking, accounting, & managing of one or more Unit Bank Guarantee (UBG) rights and searching, matching, requesting, inviting users for providing & transferring Unit Bank Guarantee (UBG) Rights.
  • the computerized server, platform, network, exchange, system, application, service includes at least one unitized Bank Guarantee (UBG) Right relating to insuring particular amount of monitory value rights, and a computer-accessible forum configured to allow a plurality of participants to apply, issue, define, denominate, store, update, order, advice, send, receive, transfer, share, publish, present, synchronize, sell, trade, donate, gift, access, consume, use, notify, account, report, monitor, track, log & mange the unitized Bank Guarantee (UBG) right or contract.
  • UBG Unitized Bank Guarantee
  • the plurality of participants includes at least one Unit Bank Guarantee (UBG) rights principal or owner having the unitized Unitize Bank Guarantee (UBG) rights or contract and desiring to search, match, determine, select, invite, request & find receiver or consumer or user or borrower of Unit Bank Guarantee (UBG) rights and provide, transfer, assign & manage the unitized Unit Bank Guarantee (UBG) rights.
  • the plurality of participants also includes at least one receiver or consumer or user or borrowers of unitize Bank Guarantee (UBG) rights desiring to obtain the unitized Bank Guarantee (UBG) rights.
  • a method for trading at least one unitized Bank Guarantee (UBG) right or contract relating to insuring associate value and right to get or access fund, cash, credits, credit line, revolving credit & amount rights by a principal or owner of the unitized Bank Guarantee (UBG) right or contract to at least one consumer or user, or borrower or buyer or receiver of Unit Bank Guarantee (UBG) rights through a computerized unitized Bank Guarantee (UBG) rights platform, network, marketplace, exchange, server, application, service & system.
  • the method includes the steps of: storing in a computerized storage device information describing the principal or owner of unitized Bank
  • UBG Unitized Bank Guarantee
  • UBG unitized Bank Guarantee
  • UBG computerized unitized Bank Guarantee
  • UBG computerized unitized Bank Guarantee
  • network, marketplace, exchange, server, application, service & system storing in a computerized storage device information describing the consumer or user, or borrower or buyer or receiver of unitize Bank Guarantee (UBG) right or contract using, accessing, consuming, receiving & purchasing the unitize Bank Guarantee (UBG) right or contract through the computerized platform, network, marketplace, exchange, server, application, service & system, and processing in a
  • microprocessor the accounting, monitoring, tracking, logging, recording, storing, processing, synchronizing, consuming, accessing of the received by the user or consumer or borrower of the Bank Guarantee (UBG) right or contract.
  • UBG Bank Guarantee
  • the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects.
  • the following detailed description is, therefore, not to be taken in a limiting sense.
  • a computerized Unit Bank Guarantee & Credit Guarantee Circulation & Management platform, network, system, database, device, application, service for facilitating the preparing & define, unitizing, denominating & dematerializing, maintaining or storing the Bank Guarantee right(s) or contract(s), enabling the Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) to searching, matching, filtering, selecting, inviting & requesting provider and/or consumer of unitize Bank Guarantee right(s) or contract(s) and enabling Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) and/or Member of Network or Platform or Unit Bank Guarantee (UBG) Rights User Account or Consumer or Group(s) of User(s) or Re-Transferor(s) to sending, receiving, re-storing, circulating, transferring, re-transferring, synchronizing, updating, presenting, publishing, accessing, using, consuming, viewing
  • the computerized platform, network, system, database, device, application, service includes at least one Unit Bank Guarantee (UBG) Rights relating to any types of Bank Guarantee and/or Credit Guarantee right(s) , and a computer-accessible medium configured to allow a plurality of participants to register, send, receive, synchronize, transfer, re- transfer, store, circulate, update, download, upload, assign, select, search, match of Unit Bank Guarantee (UBG) Rights and monitor, track, log, account, audit, bill, notify, & report access, use & consumption of Unit Bank Guarantee (UBG) Rights.
  • the plurality of participants includes at least one provider of Unit Bank Guarantee (UBG) Rights having at least one Unit Bank
  • the plurality of participants also includes at least one Recipient or User or Consumer of Unit Bank Guarantee (UBG) Rights desiring to obtain, receive, request to provide, re-transfer, share, circulate, access, use, consume, tack, monitor, log, account, audit & manage own or transferred Unit Bank Guarantee (UBG) Rights.
  • UBG Unit Bank Guarantee
  • a Unit Bank Guarantee & Credit Guarantee Circulation & Management platform, network, application, service, device, database and global network may have some or all of these elements, as well as any additional elements necessary for the setup, execution, and daily operation of a Unit Bank Guarantee & Credit Guarantee Circulation & Management platform, network, application, service, device, database and global network.
  • Unitize Bank Guarantee right(s) or contract(s) comprises associated or auto or manually or remotely updated obligation to payment within particular period or pay particular number of installments within particular duration, associated or auto or manually or remotely updated contact agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, letters of credit, various contract agreements, associated or auto or manually or remotely updated unique global identity, description, conditions, rules, Bank Guarantee number, applicant, applicant bank, reason, owner(s) id, details & profile, issued bank id, details & profile, amount, validity, currency code, name & type, location, digital signature, certificate, issued date, maturity date, expiration date, account number, guarantee types, list of verified collateral for guarantee, Unit Bank Guarantee (UBG) Right including Right of using
  • Unit Bank Guarantee for receiving, applying, demanding, borrowing, debiting, crediting, transferring, gifting, donating, depositing, paying and requesting one or more Unit Bank Guarantee (UBG) Right associate value in the form of money, cash, virtual currencies, goods or products & services from one or more providers of funds, loans, cash, products & services including banks, sellers, online and/or offline merchants.
  • unitize Bank Guarantee right(s) or contract(s) may conditional, unconditional, transferable or transmissible, non-transferable, divisible, fractionable, denominable, non-divisible, assignable.
  • unitize Bank Guarantee right(s) or contract(s) to circulate, synchronize, store, update & transfer from/to/within/among one or more networks, platforms, web sites, applications, services, databases, banks, systems, devices & persons similar to money & digital currencies.
  • Electronic Unit Bank Guarantee (UBG) Rights is exchanged electronically. This involves the use of computer networks, the internet and digital stored value systems.
  • Unit Bank Guarantee (UBG) Right or Unitize Credit Guarantee (UCG) Right can be in paper or physical form.
  • Unit Bank Guarantee (UBG) Right or Unitize Credit Guarantee (UCG) Right can be in multimedia form including text, database record, XML, link, image or photo, voice, video or visual presentation, one or more types of file or document, translated in one or more language(s), object and any types of digital representation.
  • Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) can receive, store, order, monitor, track, manage account & mange Unit Bank Guarantee (UBG) Rights and transfer, store, synchronize one or more Unit Bank Guarantee (UBG) Rights to one or more users, group(s) of users, members, consumers, re-transferor & any types of entities of one or more networks, platforms, servers, databases, devices, applications, services, web services, web sites, portals.
  • Bank Guarantee or Credit Guarantee or Credit Insurance A guarantee from a lending institution ensuring that the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank will cover it.
  • a bank guarantee enables the customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand business activity.
  • a "bank guarantee” (“BG”) is a debt instrument created by banks which carries a predefined face value, date of maturity, and annual interest rate. For example, you could have a 1 year note from UBS with a face value of 100M, collecting a coupon (interest) of 6.0% per year. If the investor was to purchase this "BG" from the right seller, they could get the bank instrument at a discount from face.
  • Credit guarantee is the guarantee that often provides for a specific remedy to creditor if his debtor does not return his debt.
  • creditor can take credit insurance policy for covering the risk of bad debt under risk management. Credit guarantee is very helpful to avoid the fear of non-payment. In case customer becomes insolvent or bankrupt, creditor can demand same amount from the company who gave credit guarantee.
  • Guarantor or Issuing Bank The bank that issues the guarantee and preparing & define, issuing, validating, unitizing, denominating & dematerializing and storing Bank Guarantee right(s) or contract(s).
  • Unit Bank Guarantee (UBG) Rights can provide money, cash, credits, credit line, revolving credit, make payments, virtual currencies, goods or products & services based on installments, particular duration & amounts of re-payments, additional payment of fees, charges & interest of credit, cash & loan in exchange of Unit Bank Guarantee (UBG) Rights.
  • UBG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • UBG Rights Network
  • Platform Web Site
  • Application, Service Database
  • Device Server or Unit Bank Guarantee
  • UAG Rights User Account or Holder or User or Consumer or Group(s) of User(s) or Re-Transferor(s): is receiver, re- transferor, consumer, holder & user of Unit Bank Guarantee (UBG) Rights and enabled to receive money, cash, credits, credit line, revolving credit, make payments, virtual currencies, goods or products & services based on installments, particular duration & amounts of repayments, additional payment of fees, charges & interest of credit, cash & loan in exchange of Unit Bank Guarantee (UBG) Rights and enabled to view, access & mange Transferred Unit Bank Guarantee (UBG) Rights accounts, re -payment of credit accounts, user profile, user data, user connections or social graph and social networks.
  • UBG Global Unit Bank Guarantee
  • UBG Global Unit Bank Guarantee
  • UCG Unit Bank Guarantee
  • a method of unitizing, circulating, storing, depositing, transferring and consuming or using unitize Bank Guarantee right(s) or contract(s) comprising: enabling to preparing & define, unitizing, denominating & dematerializing Bank Guarantee right(s) or contract(s); maintaining or storing unitize Bank Guarantee right(s) or contract(s) with unique identity and information; and enabling to searching, matching, filtering, selecting, inviting & requesting provider and/or consumer of unitize Bank Guarantee right(s) or contract(s) and enabling to sending, receiving, depositing, re-storing, circulating, transferring, re- transferring, synchronizing, updating, presenting, publishing, accessing, using, consuming, viewing account details, maintaining account, auditing, metering, billing, re -payments of credits, reporting & notifying depositing, transferring & consuming & managing one or more unitize Bank Guarantee right(s) or contract(s).
  • unitize Bank Guarantee right(s) or contract comprising: enabling to
  • sender, receiver, holder, consumer & user of unitize Bank Guarantee right(s) or contract(s) comprises user, user account, group(s) of user(s), company, bank, financial institution, service provider, provider or seller of products & services, network, web site, application, service, database, device, server and one any types of entities.
  • monitoring In another embodiment monitoring, tracking, mapping, logging, storing, presenting & viewing details of consumption, each transfer & re-transfer including identity & name of transferor & transferee, number of unitize Bank Guarantee right(s) or contract(s) transferred, details of each transaction, event, activity & action.
  • Guarantee right(s) or contract(s) to certify compliance with said at least one requirement of listing, storing, circulating, transferring, using, consuming, accessing, & converting into money or cash, purchasing of products & services on or via said platform or network.
  • steps or process or workflow comprises registering, consulting, applying, uploading or downloading documents, reviewing, evaluating, verifying, validating, processing, send or receive a guarantee offer, send or receive sign guarantee offer,
  • UBG unitize Bank Guarantee
  • UBG Unit Bank Guarantee
  • Bank Guarantee right(s) or contract(s) comprising conditional, unconditional, transferable or transmissible, non-transferable, divisible or fractionable or denominatable or denominable, non-divisible, assignable unitize Bank Guarantee right(s) or contract(s).
  • unitize Bank Guarantee right(s) or contract(s) comprises associated or auto or manually or remotely updated obligation to payment within particular period or pay particular number of installments within particular duration, associated or auto or manually or remotely updated contact agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, letters of credit, various contract agreements, associated or auto or manually or remotely updated unique global identity, description, conditions, rules, Bank Guarantee number, applicant, applicant bank, reason, owner(s) id, details & profile, issued bank id, details & profile, amount, validity, currency code, name & type, location, digital signature, certificate, issued date, maturity date, expiration date, account number, Unit Bank Guarantee (UBG) Right including Right of using Bank Guarantee for receiving, applying, demanding, borrowing, debiting, crediting, transferring, gifting, donating, depositing, paying and requesting one or more Unit Bank Guarantee (UBG) Right associate value in the form of money, cash, virtual currencies, goods or products & services from one or more providers of funds, loans, cash, products & services including
  • said credit rating & scoring are based on timely payment or repayment of loans, withdrawal, installments, cash, interest, charges, fees, commissions, using of unitize Bank Guarantee right(s) or contract(s) including transfer & refer to other users, purchasing of products & services & utilizing unitize Bank Guarantee right(s) or contract(s) for generating revenue, earning income, get training, education & qualification, business growth, research &
  • Guarantee right(s) or contract(s) provide enforcement, transfer, reporting, provide for a specific duration of use of said unitize Bank Guarantee right(s).
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights of owner have expire date or duration limit of use (e.g. 5 years) and have rights to transfer particular number of Unit Bank Guarantee (UBG) Rights for particular duration to first transferee and first transferee have rights to further transfer particular number of Unit Bank Guarantee (UBG) Rights for particular duration to second or consecutive transferee.
  • System credits the expired Unit Bank Guarantee (UBG) Rights with the account of holder of Unit Bank Guarantee (UBG) Rights and debits the account of provider of Unit Bank Guarantee (UBG) Rights.
  • original owner or guarantor of Unit Bank Guarantee (UBG) Rights can replace or transfer or assign complete rights to other user or entity.
  • UBG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights networks, platforms, applications, services & web sites can be in multi language or localization/globalization enabled, various countries currency types & date and time enabled.
  • Unit Bank Guarantee (UBG) Rights have joint ownership.
  • original owner or guarantor of Unit Bank Guarantee (UBG) Rights has right to the information on the outstanding balance of the account of the borrower with the financial institution subject to the borrower's consent.
  • original owner or guarantor of Unit Bank Guarantee (UBG) Rights has right to call upon the borrower to pay off the loan to release owner from all liabilities under the guarantee. This right can be exercised at anytime and even before the financial institution has called upon the borrower to pay the debt. However, this right may be subject to the terms and conditions of the loan, which may vary from customer to customer.
  • original owner or guarantor of Unit Bank Guarantee (UBG) Rights has the right to be indemnified by the borrower for any payment made to the financial institution. This means that owner can sue the borrower for the amount that owner have paid to the financial institution.
  • original owner or guarantor of Unit Bank Guarantee (UBG) Rights may be held liable for the liabilities of the borrower in accordance with the terms of the guarantee document.
  • UBG Unit Bank Guarantee
  • a guarantor can only be rendered liable under a guarantee if the borrower is in default of any payment to the financial institution and the financial institution makes a demand on the guarantor.
  • a guarantor is released from his obligations under a guarantee upon full payment of the debt owing to the financial institution.
  • the terms of a guarantee must be adhered to by the financial institution.
  • UBG Unit Bank Guarantee
  • present invention can integrated with 3rd parties' networks, platforms, search, engines, e-commerce web sites, exchanges, web sites, web pages, applications, services, databases, & devices.
  • present invention can also enabled in manually & paper form and completely or partially digital or electronic form.
  • paper form Unit Bank Guarantee (UBG) Rights can convert, transfer & deposit in dematerialize or digital form.
  • FIG. 1 shows the illustrative preferred embodiment of a Unit Bank Guarantee & Credit
  • FIG. 2 shows the illustrative preferred modules of a Unit Bank Guarantee & Credit Guarantee Circulation & Management Platform. One or more modules are optional and execute in any order, concurrently or individually.
  • FIG. 3-12 shows the illustrative preferred embodiment of a Unit Bank Guarantee & Credit Guarantee Circulation & Management Platform with examples.
  • Figure 1 describes the Unit Bank Guarantee & Credit Guarantee Circulation & Management Platform, Server, and Network.
  • Present invention propose, suggest, invent & enables & provide system, application, method & interface to enables guarantor bank 101 i.e.
  • guarantor bank 101 can 102 store unitize Bank Guarantee (UBG) & Credit Guarantee (CGB) right(s) or contact(s) at 102 database(s) of 101 guarantor bank and/or database(s) of Unit Bank Guarantee (UBG) Rights Platform or Network 150 and/or database(s) of Global Unit Bank Guarantee (UBG) Rights 125 and/or database(s), device(s) & application(s) of Unit Bank Guarantee (UBG) Rights Guarantor or Owner(s) or Provider(s) 105 and/or one or more 3rd parties' database(s), device(s) & application(s).
  • UBG Bank Guarantee
  • CGB Credit Guarantee
  • Unit Bank Guarantee (UBG) Rights Requestor(s) and/or Guarantor(s) or Owner(s) or Provider(s) 105 and/or Guarantor Bank that issues Unit Bank Guarantee (UBG) Rights 101 and/or Provider(s) of Funds, Loans, Cash, Credits, Credit Line, Revolving Credit, Virtual Currencies, Products & Services, Applications etc.
  • Unit Bank Guarantee (UBG) Rights 140 and/or Unit Bank Guarantee (UBG) Rights User or Consumer or Group(s) of User(s) or Provider(s) 130 & 145 can register with Unit Bank Guarantee (UBG) Rights Platform or Network 115 and/or Global Unit Bank Guarantee (UBG) Rights Server 120 and/or one or more networks, applications, services, devices, databases, servers, portals, web pages & web sites (not shown in figure 1) to enable Unit Bank Guarantee (UBG) Rights Requestor(s) and/or
  • Guarantor(s) or Owner(s) or Provider(s) 105 to consult with expert or guarantor bank for bank guarantee, submit or apply application or submit documents for bank guarantee, receive & store bank guarantee in the form of certificate, digital or electronic or dematerialize Unitize Bank
  • Unit Bank Guarantee based on Unit Bank Guarantee (UBG) Rights to view, access, verify, validate Unitize Bank Guarantee (UBG) Rights and/or manually request 105 owner of Unitize Bank Guarantee (UBG) Rights to order 101 guarantor bank to issue bank guarantee and provide Funds, Loans, Cash, Credits, Credit Line, Revolving Credit, Virtual Currencies, Products & Services directly and/or indirectly via 3rd parties services, networks, applications, interfaces, databases, devices, web pages, web sites, platforms, profiles, & users to 130 Unit Bank Guarantee (UBG) Rights Member or User or Consumer.
  • UBG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • service, device, database & interface is provided to 105 requestor(s) of Unit Bank Guarantee (UBG) Rights to get consultation, apply or submit application or request for bank guarantee and bank guarantee in the form Unitize Bank
  • UBG Unit Bank Guarantee
  • 101 Guarantor Bank is also provided with one or more applications, services, devices, databases & interfaces to enable 101 Guarantor Bank to provide consulting, process submitted application, review, validate, verify, investigate & evaluate credit, define & create contract(s) or agreement(s) or deed(s), sign or digitally sign contract(s), receive fees and issue, store & provide guarantee certificate in the form of paper, digital file and/or in the form of Unitize Bank Guarantee (UBG) Rights 110 to 105 requestor(s) of Unit Bank Guarantee (UBG) Rights.
  • Each 110 Unit Bank Guarantee (UBG) Right may conditional, unconditional,
  • transferable, non-transferable have associate obligation to payment within particular period or pay particular number of installments within particular duration, have associate contact agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, letters of credit, various contract agreements, have associate unique global identity, description, conditions, rules, Bank Guarantee number, owner(s) id, details & profile, issued bank id, details & profile, amount, currency type, location, digital signature, certificate, issued date, expiration date.
  • Unit Bank Guarantee (UBG) Rights Platform or Network enables users or consumers, providers, banks, guarantor to register, store 110 Unit Bank Guarantee (UBG) Rights, send, receive, store, transfer, update, present, consume, use, access, view monitored, logged or tracked activities, actions, transactions, events, transact, report & manage Unit Bank Guarantee (UBG) Rights
  • Unit Bank Guarantee (UBG) Rights Platform or Network enables 105 Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) to search, match, auto match, filter, analyze, sort, determine, select one or more 130 Users or Members of 115 Platform or Network and/or users of other networks, platforms, applications, services, databases, devices & servers including connected or related users including friends, family, relatives & any other users of network.
  • Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) can accept request or sent invitation to get 110 Unit Bank Guarantee (UBG) Rights to 130 Unit Bank Guarantee (UBG) Rights User or Consumer or Group(s) of User(s) or Provider(s) of one or more network(s) and/or platform(s).
  • Unit Bank Guarantee (UBG) Rights Platform or Network and/or 120 Global Unit Bank Guarantee (UBG) Rights Server stores & maintains 110 Unit Bank Guarantee (UBG) Rights from one or more 101 Guarantor Bank(s) and/or 130 Unit Bank Guarantee (UBG) Rights User or Consumer or Group(s) of User(s) or Provider(s) and/or members or users of one or more networks, platforms, applications including e-wallets, digital or virtual currency sources, services, devices including smart phones, servers, web sites, portals, & databases.
  • Unit Bank Guarantee (UBG) Rights Platform or Network enables 130 Member of Network or Platform or Unit Bank Guarantee (UBG) Rights User or Consumer or Group(s) of User(s) or Provider(s) to search, match, auto match, filter, analyze, sort, determine, select one or more 145 Users or Members of 115 Platform or Network and/or users of other networks including social networks & peer to peer networks, platforms, applications, services, databases, devices & servers including connected or related users including friends, family, relatives & any other users of network to circulate, transfer, assign, provide, update, present, publish, send, synchronize, share one or more Unit Bank Guarantee (UBG) Rights.
  • UBG Unit Bank Guarantee
  • UBG Network or Platform or Unit Bank Guarantee
  • User or Consumer or Group(s) of User(s) or Provider(s) can accept request or sent invitation to transfer, assign, provide, update, present, publish, send, synchronize, share one or more Unit Bank Guarantee (UBG) Rights to 145 Users or Members of 115 Platform or Network and/or any other users of one or more other networks, platforms, applications, services, databases, devices & servers.
  • Possessor or holder of Unit Bank Guarantee (UBG) Rights 101, 105, 115, 120, 130, 140, & 145 can circulate, transfer, assign, provide, update, present, publish, send, synchronize, share one or more Unit Bank Guarantee (UBG) Rights to any other users, members, networks including social networks & peer to peer networks, platforms, applications, objects, files, storage, profile, services, databases, devices including smart phones, web pages, web sites, portals & servers based on connections, relationships, interests, invitations, requests, search criteria, selection, auto match making, activities, actions, events, transactions, interactions, location, current location & place, requirements, specifications, referrals, access ownership, rights & privileges, privacy settings, preferences, user data, user profile, user connections, consumption in return of funds, cash, credits, credit line, revolving credit, payments, direct deposits to others account, product & services, contract fulfillment, payment for goods delivered.
  • UBG Unit Bank Guarantee
  • 130 Member of Network or Platform or Unit Bank Guarantee (UBG) Rights User Account or Consumer or Group(s) of User(s) or Re-Transferor(s) can receive one or more 110 Unit Bank Guarantee (UBG) Rights from one or more 105 Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) for one or more times for particular duration.
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • 130 Member of Network or Platform or Unit Bank Guarantee (UBG) Rights User Account or Consumer or Group(s) of User(s) or Re-Transferor(s) can transfer, re- transfer, send, receive, deposit to account, assign one or more 110 Unit Bank Guarantee (UBG) Rights to one or more other 130 Members or Unit Bank Guarantee (UBG) Rights User Accounts, Consumers, Group(s) of User(s) & Re-Transferor(s) of one or more networks, platforms, web sites, applications, services, databases, & devices.
  • UBG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s) or Bank Guarantee Requestor(s) can apply, receive, order, and store 110 Unit Bank Guarantee (UBG) Rights for one or more Bank Guarantee.
  • 101 Guarantor Bank can define, issue, provide, store and dematerialize 110 Unit Bank Guarantee (UBG) Rights for plurality of 105 Unit Bank Guarantee (UBG) Rights Guarantor(s) or Owner(s) or Provider(s).
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • 120 Global Unit Bank Guarantee (UBG) Rights Server can act as centralize storage of 110 Unit Bank Guarantee (UBG) Rights with default required information and one or more registered or member networks, platforms, applications, services, servers, databases, devices, portals, web sites and registered members, users, consumers, user accounts of one or more networks, platforms, applications, services, servers, databases, devices, portals, web sites can register, re-store, access, use, consume, update, transfer, deposit, synchronize including snapshot, merge, transactional, pull & push synchronize 110 Unit Bank Guarantee (UBG) Rights from/to 120 Global Unit Bank Guarantee (UBG) Rights Server and monitors, tracks, logs, process & store information about related or registered 110 Unit Bank Guarantee (UBG) Rights including details of each transfer, associate transferor & transferee including name & identity, number of 110 Unit Bank Guarantee (UBG) Rights transferred, date, conditions & duration of transfer, re-payment details including amount, date, user credit rating & score.
  • UBG Unit Bank Guarantee
  • FIG. 2 shows the illustrative preferred modules of a Unit Bank Guarantee & Credit Guarantee Circulation & Management Platform.
  • One or more modules are optional and execute in any order, concurrently or individually.
  • Bank Guarantee Applying Module enables users to electronically apply for Bank Guarantee or Credit Guarantee, upload documents including various standardized forms, address, identity & business proof, profile, financial documents, Trading, Profit & Loss A/c. and Balance Sheets, Bank Statement, Share Holdings, assets related documents, bank deposits documents, income statements and any other types of collateral related documents.
  • Bank Guarantee Processing Module receives applications & uploaded documents from one o more applications for processing. Administrator manually or automatically processes, analyzes, reviews, evaluates, verifies, validates, & audits each application. Administrator can also communicate with applicant for demanding more documents, clarifying, provide consulting, and negotiate with applicant for providing Bank Guarantee or Credit Guarantee. After processing administrator can and take decision regarding providing or denying of Bank Guarantee or Credit Guarantee to each applicant. Applicant can also accept & confirm provided Bank Guarantee or Credit Guarantee to Bank Guarantee or Credit Guarantee provider or bank.
  • Bank Guarantee Preparing Module After confirmation of Bank Guarantee or Credit Guarantee, 210 Bank Guarantee Preparing Module enables Bank Guarantee or Credit Guarantee provider to prepare contracts, agreements, & deeds for Bank Guarantee or Credit Guarantee and sent to applicant for review. Applicant can review the contracts, agreements, & deeds and confirm or provide changes or modification in track mode to Bank Guarantee or Credit Guarantee provider. In one embodiment after finalizing of contracts, agreements, & deeds of Bank Guarantee or Credit Guarantee, authorized person or administrator on behalf of bank can sent to applicant for manually or digitally sign contracts, agreements, & deeds of Bank Guarantee or Credit Guarantee. Applicant can manually or digitally sign the document and sent manually and/or digitally to Bank Guarantee or Credit Guarantee provider.
  • Bank Guarantee or Credit Guarantee provider receives signed documents manually and/or digitally and scan & verifies manually received documents and convert & upload digital documents. After that authorized person or administrator on behalf of bank manually and/or digitally sign the contracts, agreements, & deeds of Bank Guarantee or Credit Guarantee and prepare Bank Guarantee or Credit Guarantee certificate for issue to each applicant. After preparing Bank Guarantee or Credit Guarantee certificate for issue, 215 Bank Guarantee Issuing Module enables Bank Guarantee or Credit Guarantee provider to issue and mange issued Bank Guarantee or Credit Guarantee of each applicant. Bank Guarantee or Credit Guarantee can manually sent Bank Guarantee or Credit Guarantee certificate in paper form and/or digitally sent Bank Guarantee or Credit Guarantee certificate to each guarantor.
  • Guarantor is enabled to request Bank Guarantee or Credit Guarantee to issue Bank Guarantee or Credit Guarantee in the form of unitize, denominated & dematerialized Bank Guarantee (UBG) Rights.
  • Bank Guarantee or Credit Guarantee provider receives request and prepare for converting Bank Guarantee or Credit Guarantee of each requestor into unitize, portable, denominated & dematerialize Bank Guarantee (UBG) Rights.
  • Unit Bank Guarantee (UBG) Rights Creating Module enables Bank Guarantee or Credit Guarantee provider to create, model, define, prepare, verify, validate Unit Bank Guarantee (UBG) Rights for each Bank Guarantee or Credit Guarantee of each guarantor of Bank
  • Unit Bank Guarantee (UBG) Rights can in the form of database record, XML, file, text, URL or link, image, secure file or zipped or encrypted file, binary file, object, image, voice, video or visual format, and any other type of digital format.
  • Unit Bank Guarantee (UBG) Rights Storage Module enables Bank Guarantee or Credit Guarantee provider to digitally store 7 synchronize Unit Bank Guarantee (UBG) Rights to 102 database(s) of Bank Guarantee or Credit Guarantee provider(s) and/or sent to each guarantor and/or 150 database of platform or network or server or application of guarantor where guarantor registered as member and/or 125 database of Global Unit Bank Guarantee (UBG) Rights Server for enabling global network to network circulation of Unit Bank Guarantee (UBG) Rights via web services, FTP, and any types of communication systems, applications, methods, services, devices, protocols & interfaces.
  • Unit Bank Guarantee (UBG) Rights Synchronize Module After storing of Unit Bank Guarantee (UBG) Rights, 230 Unit Bank Guarantee (UBG) Rights Synchronize Module enables to synchronize one or more Unit Bank Guarantee (UBG) Rights from/to one or more networks, platforms, applications, objects, services, databases, web sites, web pages, portals, accounts, user profile, servers and any types of storage medium based on initiation of transfer or re-transfer or deposit or consumption or registering or updating or sharing or circulating or importing or exporting process, permission, approval, sanctioning,
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • Bank Guarantee or Credit Guarantee provider and/or any users and/or Unit Bank Guarantee (UBG) Rights can register with one or more networks, platforms, applications, objects, services, databases, devices, web sites, web pages, portals, Unit Bank Guarantee (UBG) Rights accounts, servers via 235 Unit Bank Guarantee (UBG) Rights Registering Module to enable enables Unit Bank Guarantee (UBG) Rights to circulate, share, donate update, deposit, consume & transfer Unit Bank Guarantee (UBG) Rights within platform or network by registered Bank Guarantee or Credit Guarantee provider and/or users and/or provider of funds, cash, credit and products & services, enables Bank Guarantee or Credit Guarantee provider to search, match, find, connect, request, invite one or more member of one or more networks, platforms, applications, objects, services, databases, devices, web sites, web pages, portals, Unit Bank Guarantee (UBG) Rights accounts, & servers to provide, transfer, share, donate, update, manage, monitor, track, account, audit & present one or more Unit Bank Guarantee (UBG) Rights, enables users to re-transfer,
  • Unit Bank Guarantee (UBG) Rights Provider and/or Prospective User Search & Match and Determination Module and/or 245 Unit Bank Guarantee (UBG) Rights Request and/or invitation to/by Provider and/or Prospective User Module enables provider of Unit Bank Guarantee (UBG) Rights to search, match, select, determine, analyze, request, connect, invite one or more members or subscriber or prospective consumer or user of platform or network or web site or application or service or database to transfer, provide, donate, update, share, present one or more Unit Bank Guarantee (UBG) Rights.
  • UBG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights provider(s) can transfer, synchronize, store, send, publish, provide, authorize, deposit, share, & present one or more Unit Bank Guarantee (UBG) Rights to one or more account(s) of one or more user(s) of network or platform or application or service or web site or server or database via 250 Unit Bank Guarantee (UBG) Rights Transferring or Sending Module.
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • UAG User can receive, deposit, store & view one or more Unit Bank Guarantee (UBG) Rights from one or more guarantor, owner, holder & provider of Unit Bank Guarantee (UBG) Rights from one or more networks, platforms, applications, objects, services, databases, web sites, web pages, portals, Unit Bank Guarantee (UBG) Rights accounts, user profile, devices, servers via 255 Unit Bank Guarantee (UBG) Rights Receiving Module.
  • Unit Bank Guarantee (UBG) Rights
  • UBG Unit Bank Guarantee
  • UAG Unit Bank Guarantee
  • UCG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights can use Unit Bank Guarantee (UBG) Rights for various payments or buy, request, apply & receive loans, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights from one or more provider of funds, loans, credits, cash, products & services including banks, companies, financial institutions, individuals, group of persons, service providers, agents, e-commerce web sites, & sellers.
  • Unit Bank Guarantee (UBG) Rights
  • UBG Unit Bank Guarantee
  • UAG 265 Unit Bank Guarantee
  • UG Unit Bank Guarantee
  • Tracking & Logging Module can monitors, tracks, records, logs, processes & stores information about each transmission, transferring, updating, storing, transaction, activity, action, interaction related to Unit Bank Guarantee (UBG) Rights including transfer details including date, details or narration & number of Unit Bank Guarantee (UBG) transferred, name & identity of transferor and transferee, name, identity, details of providers of loans, payments, credits, cash, products & services, details of loans, payments, credits, cash, products & services including amount, number, duration & amount of installments and offers of loans, payments, credits, cash, products & services, details of all re-payments made and like.
  • Unit Bank Guarantee (UBG) Rights Metering, Billing & Re-Payments Module monitors, track, stores, processes, accounts, calculates, bill, prepare periodic statement, meter & updates each holder of Unit Bank Guarantee (UBG) Rights expiration date of Unit Bank Guarantee (UBG) Rights, re-payment installment of one or more received or consumed or purchased or used loans, advance payments, credits, cash, products & services from one or more providers of loans, payments, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights.
  • Unit Bank Guarantee (UBG) Rights Account Module updates account of holders of Unit Bank Guarantee (UBG) Rights, enables to transfer, deposit, exchange, consume one or more Unit Bank Guarantee (UBG) Rights to one or more accounts of one or more networks, platforms, servers, devices & databases and/or provider(s) of loans, advance payments, credits, cash, products & services, enables to view updated periodic statement and enables to re -payments of received or consumed or purchased or used loans, advance payments, credits, cash, products & services from one or more providers of loans, payments, credits, cash, products & services.
  • Authenticating Module enables guarantor bank, guarantor of Unit Bank Guarantee (UBG) Rights, transferor and providers of loans, payments, credits, cash, products & services to monitor, track, verify, validate, digitally sign, authenticate, & authorize while or before re- transfer(s), updates, consumption or exchange including receiving loans, payments, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights, transaction, store, & deposits.
  • UBG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights Reporting & Notifying Module prepares, formats, updates, stores, sent, provide, notify, publish & present one or more statements, reports & notification related to periodic statements, re-payments of installments or billed amount related to received loans, payments, credits, cash, products & services, one or more transfers, updates, consumptions including receiving loans, payments, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights, transactions, store, & deposits at user device & user profile via email, SMS, instant message, paper forms, data record, XML & file or document.
  • UBG Unit Bank Guarantee
  • Unit Bank Guarantee (UBG) Rights Credit Rating Module monitors, tracks, logs, updates & stores credit rating, weighing or scoring of each members or user of global network and/or one or more platforms, networks, applications, services, databases, devices & servers based on timely re-payments related to received loans, payments, credits, cash, products & services from providers, proper use or transfer of Unit Bank Guarantee (UBG) Rights and enables guarantor bank, guarantor, providers including providers of loans, payments, credits, cash, products & services and transferor of Unit Bank Guarantee (UBG) Rights to view credit worthiness of member or user to take decision regarding whether provide or transfer or not provide or not transfer Unit Bank Guarantee (UBG) Rights.
  • Unit Bank Guarantee (UBG) Rights Supporting, Claiming & Settlement Module enables providers of loans, payments, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights to claim and settle payments of provided loans, payments, credits, cash, products & services in exchange of Unit Bank Guarantee (UBG) Rights from guarantor bank and/or guarantor in case non re-payments of billed amounts related to loans, payments, credits, cash, products & services provided by providers.
  • the said one or more modules, objects, process or components discussed in Figure 2 can interact with each other's in any order and steps.
  • One or more modules or component works in any combination and separately. All components are not necessary and fewer or more components may comprise Unit Bank Guarantee (UBG) Rights platform(s) or network(s) or server(S) or database(s) or client applications, services & web sites.
  • UBG Unit Bank Guarantee
  • Components or modules can work concurrently or step by step.
  • One or more components or modules are on same server or different server(s) or database(s) or storage medium(s).
  • Figure 3-12 describes the various examples of 115 Unit Bank Guarantee (UBG) Rights Platform or Network.
  • UBG Unit Bank Guarantee
  • 305 Unit Bank Guarantee (UBG) Rights Requestor(s) [e.g. Mr. David] apply to 301 Guarantor Bank [e.g. Citi Bank] for receiving Bank Guarantee or Credit Guarantee and submits application forms and documents related to collateral securities for bank guarantee.
  • 301 Guarantor Bank [e.g. Citi Bank] reviews, evaluates, verifies, validates & confirm Bank Guarantee or Credit Guarantee of 310 [e.g. $ 1,00,00,000 for 5 Years] to 305 [Mr. David] and as per request & instruction of 305 [Mr. David], 301 Guarantor Bank [e.g.
  • Unit Bank Guarantee (UBG) Rights Platform or Network In case of any types of conflict Unit Bank Guarantee (UBG) Rights Platform or Network, Global Unit Bank Guarantee (UBG) Rights Server, Guarantor bank, Guarantor and Provider(s) of Loans, Cash, Products & Services based on Unit Bank Guarantee (UBG) Rights can follow rules & regulations and provide support, solution, settlements and resolutions of conflict.
  • Figure 4 shows exemplary 410 Log-In and 430 Registration screen of exemplary website 315 [www.OnlineUBG.com] .
  • FIG. 5 shows exemplary Unit Bank Guarantee (UBG) Rights Account Details of [Mr. David] of exemplary website 315 [www.OnlineUBG.com] and details of various transactions including deposited, transferred, received & consumed Unit Bank Guarantee (UBG) Rights related transactions.
  • UBG Unit Bank Guarantee
  • FIG. 6 shows exemplary Unit Bank Guarantee (UBG) Rights Account of [Mr. David] related [Transfer UBG within the Network Option], which enables account holder [Mr. David] to transfer "UBG” from [Mr. David] account to one or more selected "UBG” account within exemplary website or "UBG” platform 315 [www.OnlineUBG.com].
  • UBG Unit Bank Guarantee
  • Figure 7 shows exemplary Unit Bank Guarantee (UBG) Rights Account of [Mr. David] related [Transfer UBG to other Network Option], which enables account holder [Mr. David] to transfer "UBG” from [Mr. David] account to other one or more selected "UBG” accounts of one or more networks, platforms, websites, portals & servers.
  • UBG Unit Bank Guarantee
  • Figure 8 shows exemplary Unit Bank Guarantee (UBG) Rights Account of [Mr. David] associate [Bill Payment Option or Service provided by 315 www.OnlineUBG.com via "Super BillPay”], which enables account holder [e.g. Mr. David] to pay various types of bills via [Super BillPay] based on payment mode as "Pay via UBG", which enables user [Mr. David] to pay bills based on credit provided by [Super BillPay] based on re -payment of periodic particular number of installments to [Super BillPay] .
  • UBG Unit Bank Guarantee
  • Figure 9 shows exemplary Unit Bank Guarantee (UBG) Rights Account of [Mr. David] associate [Credit Option or Service provided by 315 www.OnlineUBG.com via various credit providers or banks or financial institutions e.g. "Barclays"], which enables account holder [e.g. Mr. David] to pay apply, receive and use credit provided by various credit providers based on "UBG", which enables user [Mr. David] to receive credit and re-pay credit via periodic credit statements sent or present by credit provider(s) [e.g. Barclays].
  • UBG Unit Bank Guarantee
  • FIG 10 shows exemplary Unit Bank Guarantee (UBG) Rights Account of [Mr. David] associate [Loans Option or Service provided by 315 www.OnlineUBG.com via various loans providers or banks] in exchange of particular number of "UBG”.
  • UBG Unit Bank Guarantee
  • FIG 11 shows exemplary Unit Bank Guarantee (UBG) Rights Account Details of [Mr. John] of exemplary website 315 [www.OnlineUBG.com] and details of various transactions including deposited, transferred, received & consumed Unit Bank Guarantee (UBG) Rights related transactions.
  • UBG Unit Bank Guarantee
  • Figure 12 shows exemplary Unit Bank Guarantee (UBG) Rights Account Details of [Mr. Smith] of exemplary website 315 [www.OnlineUBG.com] and details of various transactions including deposited, transferred, received & consumed Unit Bank Guarantee (UBG) Rights related transactions.
  • UBG Unit Bank Guarantee

Abstract

L'invention concerne la définition, l'uniformisation, la dénomination & la dématérialisation, le stockage, la circulation & la gestion d'un ou plusieurs droits ou d'un ou plusieurs contrats de garantie bancaire et l'activation d'une plateforme ou d'un réseau de circulation & de gestion de garanties bancaires & de garanties de crédit unitaires pour permettre de rechercher, de mettre en correspondance, de filtrer, de sélectionner, d'inviter & de demander un fournisseur et/ou un client d'un ou plusieurs droits ou d'un ou plusieurs contrats de garantie bancaire uniformisés et pour permettre d'envoyer, de recevoir, de restocker, de faire circuler, de transférer, de retransférer, de synchroniser, de mettre à jour, de présenter, de publier, d'accéder, d'utiliser, de consommer, de visualiser des détails, de surveiller, de suivre, d'apparier, de journaliser, de stocker, de présenter & de visualiser des détails de consommation, chaque transfert & nouveau transfert comprenant l'identité & le nom de l'auteur du transfert & du destinataire du transfert, le nombre de droit(s) ou de contrat(s) de garantie bancaire uniformisés transférés, des détails de chaque transaction, événement, activité & action, la comptabilité, l'audit, la mesure, les paiements, la facturation, le rapport, la notification & la gestion d'un ou plusieurs droits ou d'un ou plusieurs contrats de garantie bancaire uniformisés.
PCT/IB2013/051874 2013-03-09 2013-03-09 Plateforme de circulation & de gestion de garanties bancaires & de garanties de crédit unitaires WO2014140685A1 (fr)

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Cited By (1)

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CN113298618A (zh) * 2021-05-21 2021-08-24 天津智农科技有限公司 一种农村产权交易系统

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CN113298618A (zh) * 2021-05-21 2021-08-24 天津智农科技有限公司 一种农村产权交易系统

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