WO2014140694A1 - Plateforme de création & de gestion de garantie de crédit unitaire (ucg) - Google Patents

Plateforme de création & de gestion de garantie de crédit unitaire (ucg) Download PDF

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Publication number
WO2014140694A1
WO2014140694A1 PCT/IB2013/052065 IB2013052065W WO2014140694A1 WO 2014140694 A1 WO2014140694 A1 WO 2014140694A1 IB 2013052065 W IB2013052065 W IB 2013052065W WO 2014140694 A1 WO2014140694 A1 WO 2014140694A1
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WO
WIPO (PCT)
Prior art keywords
credit guarantee
ucg
unitize
guarantee
contract
Prior art date
Application number
PCT/IB2013/052065
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English (en)
Inventor
Yogesh Chunilal Rathod
Original Assignee
Yogesh Chunilal Rathod
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yogesh Chunilal Rathod filed Critical Yogesh Chunilal Rathod
Priority to PCT/IB2013/052065 priority Critical patent/WO2014140694A1/fr
Publication of WO2014140694A1 publication Critical patent/WO2014140694A1/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
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates generally to define, generate, register, store, send, receive, transfer, deposit, update, present, consume, use, access, monitor, log or track, transact, report & manage Unit Credit Guarantee (UCG) Right.
  • UCG Unit Credit Guarantee
  • the present invention relates to a creating, defining, describing, legalizing, standardizing, convert into denomination of Credit Guarantee in the form of Unit Credit Guarantee (UCG) Right and generating of Unit 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 Credit Guarantee (UCG) Right.
  • Each Unit Credit Guarantee (UCG) Right contains standardized rights and value.
  • Each Unit Credit Guarantee (UCG) Right may conditional, unconditional, transferable or transmissible, non-transferable, divisible or fractionable or denominatable or denominable, assignable, have associate or auto or manually or remotely updated obligation to make repayment of received cash, fund, loan, cash, products & services in exchange of Unit Credit Guarantee (UCG) Right within particular period, have associate or auto or manually or remotely updated contract agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, various contract agreements, have associate or auto or manually or remotely updated unique global identity, description, conditions, rules, Credit Guarantee number, identity, name & contact address & location of applicant & applicant's bank, Cash Collateral Account Number, Guarantee Servicing Account Number, Guarantee Payment Account Number, reason, owner(s) identity, details & profile, issued bank identity, details & profile, amount, validity, currency code, name & type, digital signatures & certificates, issued date, maturity date, expiration date, Unit Credit Guarantee (UCG) Right account number, defined Unit Credit Guarantee (UCG) Right
  • Present invention also enable user(s) including individual or person, group(s) of persons, non- banking or non-financial institutions and any types of legal entity including company, organization, shop, government, trust, association, school, collage, temple, brand, and any types of named entity to create, define, model, generate, transfer, share, issue, provide & present Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right, wherein user created or generated Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UCG) Right and associate one or more contracts, agreements, deeds, documents disclosing credit abilities.
  • Each Unit Credit Guarantee (UCG) Right can Transferred from/to/within/among networks, platforms, web sites, applications, services, users, user accounts, 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 Credit Guarantee (UCG) Right associate transferor, transferee, bank, beneficiary, transaction details, account details including payments, re-payments, installments, interest.
  • Unit Credit Guarantee UCG
  • Transferor Transferee
  • Platform Administrator
  • User Beneficiary & Provider of Funds
  • Loans Cash, Credits, Credit Line, Revolving Credit, Products & Services.
  • the global market for providing, circulating, transferring & using Credit Guarantee, Bank Guarantee & Person to Person Credit Guarantee rights is very huge and accounted for trillions of dollar value and has potential of trillions more.
  • Main objective of the present invention is to creating, defining, describing, legalizing, standardizing, convert into lowest or defined denomination and generating of Credit Guarantee in the form of Unitize Credit Guarantee or Credit Guarantee (UCG) Right and enables users to store, send, receive, deposit, transfer, circulate, update, present, consume, use, access, monitor, log or track, transact, report & manage Unit Credit Guarantee (UCG) Right.
  • UCG Unitize Credit Guarantee or Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG Unitize Personal Guarantee
  • UCG User created or generated Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG User created or generated Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG User created or generated Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG User created or generated Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG User created or generated Unit Credit Guarantee
  • UCG may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UCG) Right and associate one or more contracts, agreements, deeds, documents
  • Primary objective of the present invention is to dematerialization (DEMAT) or electronic or digital recording of Credit Guaranteed and enable to register, create, operate, & manage Unit Credit Guarantee (UCG) Right account(s) for depositing, debiting or crediting of deposited, consumed & expired Unit Credit Guarantee (UCG) Rights, transferring to one or more accounts of one or more networks, re- transferring, updating, calculating, debiting, crediting, consuming, spending, using, accessing, paying fees, interest, commission & charges to guarantor and/or guarantor bank, monitoring, tracking & storing one or more Unit Credit Guarantee (UCG) Rights related transactions, actions, & activities, repayment of received or used credits in exchange of Unit Credit Guarantee (UCG) Right(s), viewing account, reports, notification.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Other main objective of the present invention is to maintain global database(s) of Unit Credit Guarantee (UCG) Right(s) with unique identity, metadata & information which can access by one or more networks, platforms, websites, applications, services, database, devices via API & web services.
  • UCG Unit Credit Guarantee
  • Other objective of the present invention is to make complete or one or more steps of Credit 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.
  • Unit Credit Guarantee (UCG) Rights balances, viewing recent transactions, viewing statements, credit rating or scoring, notifying, reporting & managing of Credit Guarantee and/or unitize Credit Guarantee or credit guarantee and searching, matching, filtering, inviting & requesting for Credit Guarantee and/or unitize Credit Guarantee or credit guarantee.
  • Other objective of the present invention is to enable social network(s) of account holder of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights, enable to publish requirement for finding or matching provider of Unit Credit Guarantee (UCG) Rights, provider of Unit Credit Guarantee (UCG) Rights is enabled to search, match, analyze public data of account holders of Unit Credit Guarantee (UCG) Rights for searching, matching, inviting account holders or users of one or more Unit Credit Guarantee (UCG) Rights' networks, platforms, servers, databases, applications, services & devices for providing Unit Credit
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Other objective of the present invention is to create 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 Credit Guarantee (UCG) Rights and Unit Credit Guarantee (UCG) Rights.
  • Social network of account holders or users of Unit Credit Guarantee (UCG) Rights also create & present directories of Providers of Unit Credit Guarantee (UCG) Rights, Prospective users of Unit Credit Guarantee (UCG) Rights, Provider(s) of Funds, Loans, Cash, Virtual Currencies, Products & Services based on or in exchange of Unit Credit Guarantee (UCG) Rights.
  • a computerized Unit Credit Guarantee (UCG) Right global centralize server, platform, network, exchange, system, application, service is disclosed for facilitating the defining, standardizing, legalizing, generating, storing, sending, receiving, circulating, transferring, accessing, consuming or using, trading, monitoring, tracking, accounting, & managing of one or more Unit Credit Guarantee (UCG) Rights and searching, matching, requesting, inviting users for providing & transferring Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • the computerized server, platform, network, exchange, system, application, service includes at least one unitized Credit Guarantee (UCG) 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, generate, store, update, order, advice, send, receive, deposit, transfer, share, publish, present, synchronize, sell, trade, donate, gift, access, consume, use, notify, account, report, monitor, track, log & mange the unitized Credit Guarantee (UCG) right or contract.
  • UCG Unitized Credit Guarantee
  • the plurality of participants includes at least one Unit Credit Guarantee (UCG) Rights principal or owner having the unitized Unitize Credit Guarantee (UCG) rights or contract and desiring to search, match, determine, select, invite, request & find receiver or consumer or user or borrower of Unit Credit Guarantee (UCG) Rights and provide, transfer, assign & manage the unitized Unit Credit Guarantee (UCG) Rights.
  • the plurality of participants also includes at least one receiver or consumer or user or borrowers of unitize Credit Guarantee (UCG) rights desiring to obtain the unitized Credit Guarantee (UCG) rights.
  • a method for trading at least one unitized Credit Guarantee (UCG) right or contract relating to insuring or guaranteeing or underwriting or trusting 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 Credit Guarantee (UCG) right or contract to at least one consumer or user, or borrower or buyer or receiver of Unit Credit Guarantee (UCG) Rights through a computerized unitized Credit Guarantee (UCG) rights platform, network, marketplace, exchange, server, application, service & system.
  • UCG unitized Credit Guarantee
  • the method includes the steps of: storing in a computerized storage device information describing the principal or owner of unitized Credit Guarantee (UCG) rights providing, generating, storing, updating & listing the unitized Credit Guarantee (UCG) right or contract on the computerized unitized Credit Guarantee (UCG) rights platform, 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 Credit Guarantee (UCG) right or contract using, accessing, consuming, receiving & purchasing the unitize Credit Guarantee (UCG) 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 Credit Guarantee (UCG) right or contract.
  • UCG computerized Credit Guarantee
  • UCG computerized Credit 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 Credit Guarantee Circulation & Management platform, network, system, database, device, application, service for facilitating the preparing & define, generating, unitizing, denominating & dematerializing, maintaining or storing the Credit Guarantee right(s) or contract(s), enabling the Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) to searching, matching, filtering, selecting, inviting & requesting provider and/or consumer of unitize Credit Guarantee right(s) or contract(s) and enabling Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) and/or Member of Network or Platform or Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights relating to any types of Credit Guarantee and/or Credit Guarantee right(s) including personnel guarantee and bank guarantee, 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 Credit Guarantee (UCG) Rights and monitor, track, log, account, audit, bill, notify, & report access, use & consumption of Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • the plurality of participants includes at least one provider of Unit Credit Guarantee (UCG) Rights having at least one Unit Credit Guarantee (UCG) Rights and desiring to transfer Unit Credit Guarantee (UCG) Rights.
  • the plurality of participants also includes at least one Recipient or User or Consumer of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights.
  • a Unit Credit Guarantee Circulation & Management platform, network, application, service, device, database and global network in accordance with one or more embodiments of the present invention.
  • a Unit 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 Credit Guarantee Circulation & Management platform, network, application, service, device, database and global network.
  • Unit Credit Guarantee (UCG) Right is a defined, unitize, portable, generated, denominated & dematerialize or digital or data record form of Credit Guarantee or Credit Guarantee right, agreement, deed & contact and can digitally or electronically store, update, search, match, select, transfer, assign, synchronize, publish, present, send, receive, circulate, access, use, consume, monitor, track, account, audit, manage, in-cash, act as payment method, act as medium of exchange for buying of products & services, receiving loans, credits, funds, payment of bills.
  • Unitize Credit Guarantee right(s) or contract(s) comprises associated or auto or manually or remotely updated obligation to make re-payment of received cash, fund, loan, cash, products & services in exchange of Unit Credit Guarantee (UCG) Right within particular period, associated or auto or manually or remotely updated contract agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, various contract agreements, associated or auto or manually or remotely updated unique global identity, description, conditions, rules, Credit Guarantee number, applicant, applicant bank, reason, owner(s) identity, details & profile, issued bank identity, 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 Credit Guarantee (UCG) Right including Right of using Credit Guarantee for receiving, applying, demanding, borrowing, debiting, crediting, transferring, gifting, donating, depositing, paying and requesting one or more Unit Credit Guarantee (UCG) Right associate value in the form of money, cash, virtual currencies, goods or
  • unitize Credit Guarantee right(s) or contract(s) may conditional, unconditional, transferable or transmissible, non-transferable, divisible, fractionable,
  • In another embodiment unitize Credit 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, institutes, banks, systems, devices & persons similar to money & digital currencies.
  • Electronic Unit Credit Guarantee (UCG) Rights is exchanged electronically. This involves the use of computer networks, the internet and digital stored value systems.
  • Unit Credit Guarantee (UCG) Right or Unitize Credit Guarantee (UCG) Right can be in paper or physical form.
  • Unit 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 Credit Guarantee (UCG) Right is/are in the form of personal guarantee which can provided, validate & authorized by individual or group(s) of people celebrity or and any types of legal entity including company, organization, shop, government, trust, association, brand, and any types of named entity based on name, fame, goodwill, brand or name recognition, market recognition, relationships.
  • Provider of cash, loans, credits, products & services can provide cash, loans, credits, products & services in exchange of Unit Credit Guarantee (UCG) Right provided by personal guarantee based on his/her name, goodwill, value, intellectual quality, position, education, qualification.
  • UCG Unit Credit Guarantee
  • personal Guarantee are not verified, validated, authorized, approved & provided by any guarantor bank or financial institutions.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Right.
  • UCG Unit Credit Guarantee
  • loans & bills of provider of credits loans & bills in exchange of Unit Credit Guarantee (UCG) Rights by any transferee or holder of Unit Credit Guarantee (UCG) Rights
  • UCG Unit Credit Guarantee
  • 345 Mr. Smith purchased ABC cycle from 340 - Online_Store by using of personal guarantee based UCG 1000 provided by 330 Mr. John which provided originally by 305 Mr. David to 330 Mr. John and in the triggering of event of non repayment of bill amount by 345 Mr. John to 340 Online_Store within particular duration set by 340 Online_Store, 340 Online_Store can demand, claim and/or receive payments of bills from original or parent or main guarantor 305 Mr.
  • Unit Credit Guarantee (UCG) Right can define, create, convert and generate by individual or person for providing personal guarantee to other users including one or more connected or related users of network(s).
  • Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) A person who is owner & provider of Unit Credit Guarantee (UCG) Rights and binds himself/herself by an agreement with a banker or other creditor to be responsible for paying the debt of another person if the latter fails to pay when the debt is due.
  • Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) can receive, store, order, monitor, track, manage account & mange Unit Credit Guarantee (UCG) Rights and transfer, store, synchronize one or more Unit Credit Guarantee (UCG) 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.
  • Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) or user including individual or person, group(s) of people, non-banking or non- financial institutions and any types of legal entity including company, organization, government, trust, association, brand, and any types of named entity to create, define, model, generate, transfer, share, issue, provide & present Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right, wherein user created or generated Unit Credit Guarantee
  • UCG Unitize Personal Guarantee
  • UCG may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UCG) Right and associate one or more contracts, agreements, deeds, documents disclosing credit abilities.
  • Credit Guarantee includes bank guarantee, guarantee provided by financial institutions, persons, institutes & any other types of credit guarantee. Credit guarantee is the guarantee that often provides for a specific remedy to creditor if his debtor does not return his debt. 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. It can be 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 Credit Guarantee enables the customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand business activity.
  • a "Credit Guarantee” is a debt instrument created by banks or individual or any types of entities which carries a predefined face value, date of maturity, and annual interest rate. Even though Credit Guarantees have similar characteristics to other debt instruments, they are unique due to their high value, flexibility, resale potential, and discount.
  • Guarantor or Issuing Bank & financial institutions or Individual or any types of entity as Guarantor The entity that issues the guarantee and preparing & define, generating, issuing, validating, unitizing, denominating & dematerializing and storing Credit Guarantee right(s) or contract(s).
  • Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights.
  • provider may includes individual, group(s) of persons, legal entity including company, organization, shop, government, school, collage, temple, trust, association, brand, manufacturer, seller, supplier, society, website, club who can provides money, cash, credits, make payments, virtual currencies, goods or products & services in exchange of Unit Credit Guarantee (UCG) Rights issued, transfer, received & consumed based on personal guarantee.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee Members of Unit Credit Guarantee (UCG) Rights Network, Platform, Web Site, Application, Service, Database, Device, Server or Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights and enabled to view, access & mange Transferred Unit Credit Guarantee (UCG) Rights accounts, re-payment of credit accounts, user profile, user data, user connections or social graph and social networks.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Global Unit Credit Guarantee (UCG) Rights Server is centralize database of unique Unit Credit Guarantee (UCG) Rights and enables participants to register, store, access, request, search, match, transfer, update, circulate, assign, and synchronize Unit Credit Guarantee (UCG) Rights from/to one or more Unit Credit Guarantee (UCG) Rights networks, platforms, web sites, web pages, portals, databases, servers, devices, applications, objects, services, user accounts, user profile and any types of digital or electronic sources and/or destinations.
  • UCG Unit Credit Guarantee
  • a method of unitizing, circulating, storing, depositing, transferring and consuming or using unitize Credit Guarantee right(s) or contract(s) comprising: enabling to preparing & define, unitizing, denominating & dematerializing Credit Guarantee right(s) or contract(s); maintaining or storing unitize Credit 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 Credit 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 Credit Guarantee right(s) or contract(s).
  • sender, receiver, holder, consumer & user of unitize Credit 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.
  • guarantor or issuing bank and/or guarantor and/or personal guarantor and/or platform network, web site and/or beneficiary and/or 3rd parties service provider(s) and/or holder or user to check, verify, digitally sign, update & digitally approve said at least one unitize Credit 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,
  • Unit Credit Guarantee (UCG) Rights balances, viewing recent transactions, viewing statements, credit rating or scoring, notifying, reporting & managing of Credit Guarantee and/or unitize Credit Guarantee or credit guarantee and searching, matching, filtering, inviting & requesting for Credit Guarantee and/or unitize Credit Guarantee or credit guarantee.
  • unitize Credit 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 Credit Guarantee right(s) or contract(s).
  • unitize Credit Guarantee right(s) or contract(s) comprises associated or auto or manually or remotely updated obligation to make re-payment of received cash, fund, loan, cash, products & services in exchange of Unit Credit Guarantee (UCG) Right within particular period or pay particular number of installments within particular duration, associated or auto or manually or remotely updated contract agreements, privacy settings, preferences, privacy policies, terms & conditions, promise to pay, various contract agreements, associated or auto or manually or remotely updated unique global identity, description, conditions, rules,
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Right including Right of using Credit Guarantee for receiving, applying, demanding, borrowing, debiting, crediting, transferring, gifting, donating, depositing, paying and requesting one or more Unit Credit Guarantee (UCG) Right associate value in the form of money, cash, virtual currencies, goods or products & services from one or more providers of funds, loans, venture funds, cash, products & services including banks, sellers, online and/or offline merchants.
  • said credit rating & scoring are based on timely payment or repayment of loans, venture funds, withdrawal, installments, cash, interest, charges, fees, commissions, using of unitize Credit Guarantee right(s) or contract(s) including transfer & refer to other users, purchasing of products & services & utilizing unitize Credit Guarantee right(s) or contract(s) for generating revenue, earning income, get training, education & qualification, business growth, research & development, fulfilling needs, maintain health, managing tasks & workflow.
  • said regulation of transferring and/or utilizing said unitize Credit Guarantee right(s) or contract(s) provide enforcement, transfer, reporting, provide for a specific duration of use of said unitize Credit Guarantee right(s).
  • Unit Credit Guarantee (UCG) Rights of owner have expire date or duration limit of use (e.g. 5 years) and have rights to transfer particular number of Unit Credit Guarantee (UCG) Rights for particular duration to first transferee and first transferee have rights to further transfer particular number of Unit Credit Guarantee (UCG) Rights for particular duration to second or consecutive transferee.
  • System credits the expired Unit Credit Guarantee (UCG) Rights with the account of holder of Unit Credit Guarantee (UCG) Rights and debits the account of provider of Unit Credit Guarantee (UCG) Rights.
  • original owner or guarantor of Unit Credit Guarantee (UCG) Rights can replace or transfer or assign complete rights to other user or entity.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights networks, platforms, applications, services & web sites can be in multi language or localization/globalization enabled, various countries currency types & date and time enabled.
  • one or more Unit Credit Guarantee (UCG) Rights have joint ownership.
  • original owner or guarantor of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights has the right to be indemnified by the borrower for any payment made to the financial institution or other entities including banks, shop, trust, companies, persons. This means that owner can sue the borrower for the amount that owner have paid to the financial institution or other entities including banks, shop, trust, companies, persons.
  • original owner or guarantor of Unit Credit Guarantee (UCG) Rights may be held liable for the liabilities of the borrower in accordance with the terms of the guarantee document.
  • a guarantor can only be rendered liable under a guarantee if the borrower is in default of any payment to the financial institution or other entities including banks, shop, trust, companies, persons 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 or other entities including banks, shop, trust, companies, persons.
  • the terms of a guarantee must be adhered to by the financial institution or other entities including banks, shop, trust, companies, persons.
  • UCG Unit Credit 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 Credit Guarantee (UCG) Rights can convert, transfer & deposit in dematerialize or digital form.
  • present invention enables applying, verifying, validating, reviewing, evaluating, approving and providing Unit Credit Guarantee (UCG) Rights card(s) to applicant, so Unit Credit Guarantee (UCG) Rights card(s) holder(s) can use card(s) for online and/or offline purchasing of products & services from retailers, sellers, merchants, web sites in exchange of or based on card or Unit Credit Guarantee (UCG) Rights account associated number and/or value of Unit Credit Guarantee (UCG) Rights or stored Unit Credit Guarantee (UCG) Rights .
  • user account of Unit Credit Guarantee (UCG) Rights platform or network or database or server or device or application or service may based on multi user, multi members, multi accounts with multi rights & privileges, privacy settings, preferences, rules & security policies to enable administrator to set rights, privileges & policies to provide access rights to other members including authorize to create account, manage Unit Credit Guarantee (UCG) Rights including deposit, transfer, consume, access, update, view account & statements, receive or make payments.
  • UCG Unit Credit Guarantee
  • one or more members or users of Unit Credit Guarantee (UCG) Rights platform or network can refer & connect provider(s) of Unit Credit Guarantee (UCG) Rights to/with one or more other members or users of Unit Credit Guarantee (UCG) Rights platform or network.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG User Credit Guarantee
  • UCG Unit Credit Guarantee
  • provider can first claim to borrower, in the event of failure of repayment by original borrower provider can approach, claim and/or receive payments from transfer of Unit Credit Guarantee (UCG) Rights of borrower in reverse order of transferor up to parent or main or principal or original transferor of Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • [A] is parent or main or principal or original transferor of Unit Credit Guarantee (UCG) Rights and transfer [UCG 100] to [B] and [B] further transfer [UCG 50] to [C] from [UCG 100] received from [A].
  • [C] Purchases product [T] from provider [D] in exchange of [UCG 25] of received from [B] and based on payments of bill of purchased product [T] within 6 months duration.
  • system send alerts or notifications via email, present at user profile and any other communication medium to [C] regarding non-payment of bill of purchased product [T] and provide particular number or range of duration for payment of bill of purchased product [T] to [C], after expiration of provided particular number or range of duration for payment of bill of purchased product [T] to [C], system now send or present alert or notification to [B] regarding non-payment of bill of purchased product [T] by [C] and provide particular number or range of duration for payment of bill of purchased product [T] to [B], after expiration of provided particular number or range of duration for payment of bill of purchased product [T] to [B], system now send or present alert or notification to original or main or principal or provider of Unit Credit Guarantee (UCG) Rights [A] regarding non-payment of bill of purchased product [T] by [C] as well as transferor [B] and provide particular number or range of duration for payment of bill of purchased product [
  • UCG Unit Credit Guarantee
  • FIG. 1 shows the illustrative preferred embodiment of a Unit Credit Guarantee Circulation & Management Platform.
  • FIG. 2 shows the illustrative preferred modules of a Unit 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 Credit Guarantee Circulation & Management Platform with examples.
  • Figure 1 describes the Unit Credit Guarantee Circulation & Management Platform, Server, and Network.
  • Present invention propose, suggest, invent & enables & provide system, application, method & interface to enables guarantor including person, group of person(s) or individual(s), bank or financial institutions and any type of entity including company, organization, shop, government, trust, association, & brand 101 i.e.
  • Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) or Offerer(s) 105 including individual or person, group(s) of people, non-banking or non-financial institutions and any types of legal entity including company, organization, shop, government, trust, association, brand, and any types of named entity to create, define, model, generate, store 106 transfer, share, issue, provide & present Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right, wherein user created or generated Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights Gua
  • guarantor bank 101 can store unitize Credit Guarantee (UCG) & Credit Guarantee (CGB) right(s) or contact(s) at 102 database(s) of 101 guarantor bank and/or 150 database(s) of Unit Credit Guarantee (UCG) Rights Platform or Network and/or 125 database(s) of Global Unit Credit Guarantee (UCG) Rights and/or 106 database(s), device(s) &
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Global Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • UPG Unit Credit Guarantee
  • Personal Guarantee (UPG) Right may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UCG) Right and associate one or more contracts, agreements, deeds, documents disclosing credit abilities.
  • Unit Credit Guarantee (UCG) Rights to store, send, receive, re-transfer, re-share, circulate, update, present, consume, use, access, view associate accounts, billings, logs, activities, actions, events, transactions, behavior in the form of reports, statements, notifications & manage Unitize Credit Guarantee (UCG) Rights
  • UCG Unit Credit Guarantee
  • In another embodiment enable registered 140 Provider(s) of Funds, Loans, Venture Funds, Cash, Credits, Credit Line, Revolving Credit, Virtual Currencies, Products & Services, Applications etc.
  • Unit Credit Guarantee (UCG) Rights to provide Funds, Loans, Venture Funds, 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 Credit
  • Guarantee (UCG) Rights Member or User or Consumer may includes individual, group(s) of persons, legal entity including company, organization, shop, government, school, collage, temple, trust, association, brand, manufacturer, seller, supplier, society, website, club who can provides money, cash, credits, make payments, virtual currencies, goods or products & services in exchange of 105 user generated Unit Credit
  • service, device, database & interface is provided to 105 requestor(s) of Unit Credit Guarantee (UCG) Rights to get consultation, apply or submit application or request for Credit Guarantee and Credit Guarantee in the form Unitize Credit Guarantee (UCG) Rights to 101 guarantor bank.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit 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 Credit Guarantee (UCG) Rights 110 to 105 requestor(s) of Unit Credit Guarantee (UCG) Rights.
  • UCG Unitize Credit Guarantee
  • UCG Unit Credit Guarantee
  • Each 110 Unit Credit Guarantee (UCG) 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, Credit Guarantee number, owner(s) id, details & profile, issued bank id, details & profile, amount, currency type, location, digital signature, certificate, issued date, expiration date.
  • Unit Credit Guarantee (UCG) Rights Platform or Network enables users or consumers, providers, banks, guarantor to register, store 110 Unit Credit Guarantee (UCG) Rights, send, receive, store, transfer, update, present, consume, use, access, view monitored, logged or tracked activities, actions, transactions, events, transact, report & manage Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights Platform or Network enables 105 Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) can accept request or sent invitation to get 110 Unit Credit Guarantee (UCG) Rights to 130 Unit Credit Guarantee (UCG) Rights User or Consumer or Group(s) of User(s) or Provider(s) of one or more network(s) and/or platform(s).
  • Unit Credit Guarantee (UCG) Rights Platform or Network and/or 120 Global Unit Credit Guarantee (UCG) Rights Server stores & maintains 110 Unit Credit Guarantee (UCG) Rights from one or more 101 Guarantor Bank(s) and/or 130 Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights Platform or Network enables 130 Member of Network or Platform or Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • UCG Network or Platform or Unit Credit Guarantee
  • User or Consumer or Group(s) of User(s) or Provider(s) can accept request or sent invitation to transfer, assign, provide, refer, update, present, publish, send, synchronize, share one or more Unit Credit Guarantee (UCG) 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.
  • UCG Unit Credit Guarantee
  • Possessor or holder of Unit Credit Guarantee (UCG) Rights 101, 105, 115, 120, 130, 140, & 145 can circulate, transfer, assign, provide, update, present, publish, send, synchronize, share one or more Unit Credit Guarantee (UCG) 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, reference, interactions, location, current location & place, requirements, specifications, 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.
  • UCG Unit Credit Guarantee
  • 130 Member of Network or Platform or Unit Credit Guarantee (UCG) Rights User Account or Consumer or Group(s) of User(s) or Re-Transferor(s) can receive one or more 110 Unit Credit Guarantee (UCG) Rights from one or more 105 Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) for one or more times for particular duration.
  • 130 Member of Network or Platform or Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights to one or more other 130 Members or Unit Credit Guarantee (UCG) Rights User
  • Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s) or Credit Guarantee Requestor(s) can apply, receive, order, and store 110 Unit Credit Guarantee (UCG) Rights for one or more Credit Guarantee.
  • 101 Guarantor Bank can define, issue, provide, store and dematerialize 110 Unit Credit Guarantee (UCG) Rights for plurality of 105 Unit Credit Guarantee (UCG) Rights Guarantor(s) or Owner(s) or Provider(s).
  • 110 Unit Credit Guarantee (UCG) Right is/are in the form of personal guarantee which can provided, validate & authorized by 105 individual or group(s) of people celebrity or and any types of legal entity including company, organization, shop, government, trust, association, brand, and any types of named entity based on name, fame, goodwill, brand or name recognition, market recognition, relationships.
  • 140 Provider of cash, loans, credits, products & services can provide cash, loans, credits, products & services in exchange of 110
  • Unit Credit Guarantee (UCG) Right provided by personal guarantor based on personal guarantee including based on his/her name, goodwill, value, intellectual quality, position, education, qualification, arts.
  • generally Personal Guarantee are not verified, validated, authorized, define, generates, approved, signed & provided by any 101 guarantor bank or financial institutions.
  • Unit Credit Guarantee (UCG) Right can define, create, convert and generate by 105 individual or person for providing personal guarantee to 130 or 145 other users including one or more connected or related users of network(s).
  • 120 Global Unit Credit Guarantee (UCG) Rights Server can act as centralize storage of 110 Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights from/to 120 Global Unit Credit Guarantee (UCG) Rights Server and monitors, tracks, logs, process & store information about related or registered 110 Unit Credit Guarantee (UCG) Rights including details of each transfer, associate transferor & transferee including name & identity, number of 110 Unit Credit Guarantee (UCG) Rights transferred, date, conditions & duration of transfer, re-payment details including amount, date, user credit rating & score.
  • UCG Unit Credit Guarantee
  • FIG. 2 shows the illustrative preferred modules of a Unit Credit Guarantee & Credit Guarantee Circulation & Management Platform.
  • One or more modules are optional and execute in any order, concurrently or individually.
  • 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.
  • Credit 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 Credit Guarantee or Credit Guarantee. After processing administrator can and take decision regarding providing or denying of Credit Guarantee or Credit Guarantee to each applicant. Applicant can also accept & confirm provided Credit Guarantee or Credit Guarantee to Credit Guarantee or Credit Guarantee provider or bank.
  • 210 Credit Guarantee Preparing Module enables Credit Guarantee or Credit Guarantee provider to prepare contracts, agreements, & deeds for Credit 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 Credit Guarantee or Credit Guarantee provider. In one embodiment after finalizing of contracts, agreements, & deeds of Credit 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 Credit Guarantee or Credit Guarantee. Applicant can manually or digitally sign the document and sent manually and/or digitally to Credit Guarantee or Credit Guarantee provider.
  • Credit 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 Credit Guarantee or Credit Guarantee and prepare Credit Guarantee or Credit Guarantee certificate for issue to each applicant. After preparing Credit Guarantee or Credit Guarantee certificate for issue, 215 Credit Guarantee Issuing Module enables Credit Guarantee or Credit Guarantee provider to issue and mange issued Credit Guarantee or Credit Guarantee of each applicant. Credit Guarantee or Credit Guarantee can manually sent Credit Guarantee or Credit Guarantee certificate in paper form and/or digitally sent Credit Guarantee or Credit Guarantee certificate to each guarantor.
  • Guarantor is enabled to request Credit Guarantee or Credit Guarantee to issue Credit Guarantee or Credit Guarantee in the form of unitize, denominated & dematerialized Credit Guarantee (UCG) Rights.
  • Credit Guarantee or Credit Guarantee provider receives request and prepare for converting Credit Guarantee or Credit Guarantee of each requestor into unitize, portable, denominated & dematerialize Credit Guarantee (UCG) Rights.
  • Unit Credit Guarantee (UCG) Rights Creating Module enables Credit Guarantee or Credit Guarantee provider to create, model, define, prepare, verify, validate Unit Credit Guarantee (UCG) Rights for each Credit Guarantee or Credit Guarantee of each guarantor of Credit Guarantee or Credit Guarantee.
  • Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights Storage Module enables Credit Guarantee or Credit Guarantee provider to digitally store & synchronize Unit Credit Guarantee (UCG) Rights to 102 database(s) of Credit Guarantee or Credit Guarantee provider(s) or bank guarantor and/or 106 database of guarantor and/or sent to each guarantor via any communication medium including email, FTP & web services 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 Credit Guarantee (UCG) Rights Server for enabling global network to network circulation of Unit Credit Guarantee (UCG) Rights via web services, FTP, and any types of communication systems, applications, methods, services, devices, protocols & interfaces.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights Synchronize Module enables to synchronize one or more Unit Credit Guarantee (UCG) 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, authentication, authorization, privacy policies, rights & privileges, rules, privacy settings & preferences of guarantor or owner or holder or provider of Unit Credit Guarantee (UCG) Rights or authorized person or administrator on behalf of guarantor or owner or holder or provider of Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • Credit Guarantee or Credit Guarantee provider and/or any users and/or Unit Credit Guarantee (UCG) Rights can register with one or more networks, platforms, applications, objects, services, databases, devices, web sites, web pages, portals, Unit Credit Guarantee (UCG) Rights accounts, servers via 235 Unit Credit Guarantee (UCG) Rights Registering Module to enable enables Unit Credit Guarantee (UCG) Rights to circulate, share, donate update, deposit, consume & transfer Unit Credit Guarantee (UCG) Rights within platform or network by registered Credit Guarantee or Credit Guarantee provider and/or users and/or provider of funds, cash, credit and products & services, enables Credit 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 Credit Guarantee (UCG) Rights accounts, & servers to provide, transfer, share, donate, update, manage, monitor, track, account, audit & present one or more Unit Credit Guarantee (UCG) Rights, enables users to re-transfer,
  • invitation to/by Provider and/or Prospective User Module enables provider of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights provider(s) can transfer, synchronize, store, send, publish, provide, authorize, deposit, share, & present one or more Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights Transferring or Sending Module.
  • Unit Credit Guarantee UCG
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights After receiving Unit Credit Guarantee (UCG) Rights, holder of Unit Credit Guarantee (UCG) Rights, 260 Unit Credit Guarantee (UCG) Rights Transaction, Consumption & Exchange Module enable holder of Unit Credit Guarantee (UCG) Rights to re-transfer, deposit, donate, share, update, present, authorize to hold or consume one or more Unit Credit Guarantee (UCG) Rights to one or more users of one or more networks, platforms, applications, objects, services, databases, web sites, web pages, portals, Unit Credit Guarantee (UCG) Rights accounts, user profile, devices, servers.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights can use Unit Credit Guarantee (UCG) Rights for various payments or buy, request, apply & receive loans, venture funds, credits, cash, products & services in exchange of Unit Credit Guarantee (UCG) Rights from one or more provider of funds, loans, venture funds , credits, cash, products & services including banks, companies, financial institutions, individuals, group of persons, service providers, agents, e-commerce web sites, & sellers.
  • UCG Unit Credit Guarantee
  • While initiating, processing, execution & completion of each transactions, activities, actions, & process related to Unit Credit Guarantee (UCG) Rights, 265 Unit Credit Guarantee (UCG) Rights Monitoring, Tracking & Logging Module can monitors, tracks, records, logs, processes & stores information about each transmission, transferring, updating, storing, transaction, activity, action, interaction related to Unit Credit Guarantee (UCG) Rights including transfer details including date, details or narration & number of Unit Credit Guarantee (UCG) transferred, name & identity of transferor and transferee, name, identity, details of providers of loans, venture funds, payments, credits, cash, products & services, details of loans, venture funds, payments, credits, cash, products & services including amount, number, duration & amount of installments and offers of loans, venture funds, payments, credits, cash, products & services, details of all repayments made and like.
  • Unit Credit Guarantee (UCG) Rights Metering, Billing & Re-Payments Module monitors, track, stores, processes, accounts, calculates, bill, prepare periodic statement, meter & updates each holder of Unit Credit Guarantee (UCG) Rights expiration date of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights Account Module updates account of holders of Unit Credit Guarantee (UCG) Rights, enables to transfer, deposit, exchange, consume one or more Unit Credit Guarantee (UCG) 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 repayments 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.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee
  • Authenticating Module enables guarantor bank, guarantor of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights, transaction, store, & deposits.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights, transactions, store, & deposits at user device & user profile via email, SMS, instant message, paper forms, data record, XML & file or document.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights and enables guarantor bank, guarantor, providers including providers of loans, payments, credits, cash, products & services and transferor of Unit Credit Guarantee (UCG) Rights to view credit worthiness of member or user to take decision regarding whether provide or transfer or not provide or not transfer Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Rights Supporting, Claiming & Settlement Module enables providers of loans, payments, credits, cash, products & services in exchange of Unit Credit Guarantee (UCG) Rights to claim and settle payments of provided loans, payments, credits, cash, products & services in exchange of Unit Credit Guarantee (UCG) 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 Credit Guarantee (UCG) Rights platform(s) or network(s) or server(s) or database(s) or client applications, services & web sites. 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).
  • UCG Unit Credit Guarantee
  • FIG. 3-12 describes the various examples of 115 Unit Credit Guarantee (UCG) Rights Platform or Network.
  • UCG Unit Credit Guarantee
  • 305 Unit Credit Guarantee (UCG) Rights Requestor(s) [e.g. Mr. David] apply to 301 Guarantor Bank [e.g. Citi Bank] for receiving Credit Guarantee or Credit Guarantee and submits application forms and documents related to collateral securities for Credit Guarantee.
  • 301 Guarantor Bank [e.g. Citi Bank] reviews, evaluates, verifies, validates & confirm Credit 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 Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right may comprises inputted or selected or default pre-defined or customized fields including Unitize Personal Guarantee (UPG) Right may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UCG) Right and associate one or more contracts, agreements, deeds, documents disclosing credit abilities.
  • Unit Credit Guarantee (UCG) Right guarantor or generator of Unit Credit Guarantee (UCG) Right stores to 302 Unit Credit Guarantee (UCG) Rights Store of 301 Guarantor Bank [e.g. Citi Bank] and/or 306 Unit Credit Guarantee (UCG) Rights Store of 305 personal guarantor and/or 302 Unit Credit Guarantee (UCG) Rights Store of 315 Unit Credit Guarantee (UCG) Rights Platform or Network [e.g. OnlineUCG Website, where Mr. David registered and have UCG account] and/or Global 320 Unit Credit Guarantee (UCG) Rights Server [e.g. Global_UCG Website].
  • Figure 7 shows online Unit Credit Guarantee (UCG) Rights account of 305 [Mr. David] at 315 [e.g.
  • John] can only view each monitored, tracked & recorded transactions related to re-transferred transaction of [25,50,000 units of Unit Credit Guarantee (UCG) Rights] to 345 [Mr. Smith].
  • Users or Members of Account Holder of network can search, match, select, invite, and send request for Unit Credit Guarantee (UCG) Rights and can transfer, re- transfer, use, consume, & deposits Unit Credit Guarantee (UCG) Rights.
  • UCG Unit Credit Guarantee
  • FIG. 4 shows exemplary 410 Log-In and 430 Registration screen of exemplary website 315 [OnlineUCG Website].
  • FIG. 5 shows exemplary Personal Guarantee Generator interface which enables 105 or 305 user(s) including individual or person, group(s) of people, non-banking or non-financial institutions and any types of legal entity including company, organization, shop, government, trust, association, brand, and any types of named entity to create, define, model, generate, store, synchronize, transfer, share, issue, provide & present Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right, wherein user created or generated Unit Credit Guarantee (UCG) Right including Unitize Personal Guarantee (UPG) Right may comprises unique identity & account number of personal guarantee, currency code, type, name & amount of guarantee, issue & expiration date of guarantee, maximum limit of re-transfer of number of UCG, conditions & type of personal guarantee, one or more providers or users or guarantor(s)' identity, name, profile or accessible profile link & digital signatures, number & amount of units of Unitize Credit Guarantee (UCG) Rights, date of generating of Unit Credit Guarantee (UC
  • UCG Unit Credit Guarantee
  • UPG Unitize Personal Guarantee
  • UCG User generated 310 Unit Credit Guarantee (UCG) Right including 310 Unitize Personal Guarantee (UPG) Right can store at 306 database of personal guarantee creator or generator and/or 350 data store of 315 Unit Credit Guarantee (UCG) Rights Platform or Network and/or 325 data store of 320 Global Unit Credit Guarantee (UCG) Rights Server.
  • Figure 6 shows exemplary Credit or Bank Guarantee Generator for Bank or Financial Institutes interface which enables 301 Guarantor including bank Guarantor to create, define, model, generate, store, synchronize, transfer, share, issue, provide & present Unit Credit Guarantee
  • Unit Credit Guarantee (UCG) Right wherein inputted, selected & generated Unit Credit Guarantee (UCG) Right may comprises Unique Identity of Bank Guarantee, Currency Code, Currency Name, Amount of Personal Guarantee, Number of units of (UCG), Date of Issue, Date of Generating of (UCG), Valid Till or Expiration Date of UCG, Name & Address of issuing Bank, Condition & Type of Bank Guarantee, Account No. & Identity of Guarantor, Name of Applicant/Guarantor, Address of Applicant/Guarantor, Profile Link of Guarantor, Authorized Signature(s) & Guarantor issued under Joint Digital Signature(s) of one or more administrators and Uploaded Document(s) including one or more contacts, agreements, deeds, profile and any other documents.
  • FIG. 7 shows exemplary Unit Credit Guarantee (UCG) Rights Account Details of [Mr. David] of exemplary website 315 [OnlineUCG Website] and details of various transactions including deposited, transferred, generated, received & consumed Unit Credit Guarantee (UCG) Rights related transactions, wherein details including UCG Account No., Total Holding of UCG, Amount Per UCG, Currency Name, Type of UCG including credit guarantee, bank guarantee & personal guarantee, Available UCG Balance and Date, Transaction No. (Not shown on figure), Narration & Details, Transferor ID, Name, A/C & Network, Transfer No. of UCG, Transfer No. of UCG for Particular Duration (e.g. No.
  • Unit Credit Guarantee (UCG) Rights (Not shown on figure), Received or Transferee ID, Name, A/C & Network, Used, Deposited & Closing Balance of Unit Credit Guarantee (UCG) Rights, details of received amounts, cash, credits, products & services, advance payments, payment of bills in exchange of Unit Credit Guarantee (UCG) Rights with details of repayment terms & conditions (Not shown on figure), Details of re-payments of credits received from each providers of loans, cash, credits, credit lines, advance payments, bills payment & purchase of products & services in exchange of or based on Unit Credit Guarantee (UCG) Rights including minimum or maximum, installment amount, total dues, due date, charges, fees, interests, commission, redeemable points, vouchers & coupons (Not shown on figure).
  • Unit Credit Guarantee (UCG) Rights can increase and/or decrees numbers and/or duration of transferred Unit Credit Guarantee (UCG) Rights.
  • users can exchange Unit Credit Guarantee (UCG) Rights of first provider with other Unit Credit Guarantee (UCG) Rights of second provider.
  • guarantor bank can increase and/or decrees numbers and/or duration of approved Unit Credit Guarantee (UCG) Rights.
  • Figure 8-10 shows exemplary Unit Credit Guarantee (UCG) Rights Account of [Mr. David] related [Transfer or Use UCG Option], which enables account holder [Mr. David] to transfer or use "UCG" from one or more accounts including account(s) of [Mr. David] to one or more selected "UCG" accounts within exemplary website or "UCG" platform 315 [OnlineUCG Website].
  • FIG 11 shows exemplary Unit Credit Guarantee (UCG) Rights Account Details of [Mr. John] of exemplary website 315 [OnlineUCG Website] and details of various transactions including deposited, transferred, received & consumed Unit Credit Guarantee (UCG) Rights related transactions.
  • Figure 12 shows exemplary Unit Credit Guarantee (UCG) Rights Account Details of [Mr. Smith] of exemplary website 315 [OnlineUCG Website] and details of various transactions including deposited, transferred, received & consumed Unit Credit Guarantee (UCG) Rights related transactions.
  • UCG Unit Credit Guarantee
  • UCG Unit Credit Guarantee

Abstract

L'invention concerne la définition, l'uniformisation, la dénomination & la dématérialisation, la génération, le stockage, la mise à jour, la circulation & la gestion de droit(s) ou de contrat(s) de garantie de crédit et une plateforme ou un réseau de circulation & de gestion de garanties de crédit unitaires et de garanties de crédit 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 de crédit uniformisés et pour permettre d'envoyer, de recevoir, de restocker, de faire circuler, de transférer, de transférer de nouveau, 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 et du destinataire du transfert, le nombre de droit(s) ou de contrat(s) de garantie de crédit 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 de crédit uniformisés.
PCT/IB2013/052065 2013-03-15 2013-03-15 Plateforme de création & de gestion de garantie de crédit unitaire (ucg) WO2014140694A1 (fr)

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CN109583998A (zh) * 2018-11-13 2019-04-05 阿里巴巴集团控股有限公司 一种基于信用值的平台合约执行方法和装置
CN110555593A (zh) * 2019-07-31 2019-12-10 阿里巴巴集团控股有限公司 信用合约体系下的发约处理方法以及装置

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US20010027440A1 (en) * 2000-03-30 2001-10-04 Shuichi Tanaka Method of electronic credit service
US20050137957A1 (en) * 2003-12-23 2005-06-23 Mcdaniel James M.Jr. Investment vehicle secured by government assets and electronic trading system for same
US20110145128A1 (en) * 2009-12-16 2011-06-16 Skystream Markets, Inc. System and Method for Auctioning Environmental Commodities
US20120078815A1 (en) * 2010-09-29 2012-03-29 Stephen Edward Rossi System and method for credit enhancing a debt issuance and creating a present value investable arbitrage

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US20010027440A1 (en) * 2000-03-30 2001-10-04 Shuichi Tanaka Method of electronic credit service
US20050137957A1 (en) * 2003-12-23 2005-06-23 Mcdaniel James M.Jr. Investment vehicle secured by government assets and electronic trading system for same
US20110145128A1 (en) * 2009-12-16 2011-06-16 Skystream Markets, Inc. System and Method for Auctioning Environmental Commodities
US20120078815A1 (en) * 2010-09-29 2012-03-29 Stephen Edward Rossi System and method for credit enhancing a debt issuance and creating a present value investable arbitrage

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109583998A (zh) * 2018-11-13 2019-04-05 阿里巴巴集团控股有限公司 一种基于信用值的平台合约执行方法和装置
CN109583998B (zh) * 2018-11-13 2020-11-06 创新先进技术有限公司 一种基于信用值的平台合约执行方法和装置
CN110555593A (zh) * 2019-07-31 2019-12-10 阿里巴巴集团控股有限公司 信用合约体系下的发约处理方法以及装置

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