| 摘要 |
Disclosed are methods and systems for facilitating credit based transactions associated with purchase of goods, services or real estate having a cost, any other transaction and/or for providing a security. According to some embodiments, methods systems and components for facilitating credit based transactions between private individuals are disclosed (e.g. supplying installment and/or collateral/security services to individuals doing business between each other). According to some embodiments of the present invention, data indicating the cost of goods, service or security may be received over a data network. The cost of the transaction/security may then be securitized over a data network against a credit line provided by a primary credit provider. Upon securitization, a secondary credit provider may fund the transaction/security. The secondary credit provider may intermittently receive partial payment of the transaction's cost while intermittently re-securitizing an outstanding transaction balance until the entire transaction cost+any associated fees/commissions has been repaid. |
| 主权项 |
1. A method for providing financing, said method comprising:
using communication circuitry to receive, over a data network, data indicating a cost associated with a transaction between two or more private individuals; using the communication circuitry to receive, over the data network: (a) identifying details of a first party to the transaction, which first party is obligated to the cost and (b) details of a credit line the first party has with a primary credit provider; securitizing, over the data network, at least part of the cost against the credit line provided by the primary credit provider to the first party, by sending to the primary credit provider, using the communication circuitry, a request for a credit authorization for the at least part of the cost and receiving a first credit authorization, from the primary credit provider, for the at least part of the cost; financing at least part of the cost upon said securitization; and prior to expiration of the first credit authorization, automatically re-securitizing an outstanding balance of the at least part of the cost against the credit line provided by the primary credit provider to the first party, by sending to the primary credit provider, using the communication circuitry, a second request for a credit authorization for the outstanding balance of the at least part of the cost and receiving a second credit authorization from the primary credit provider for the outstanding balance of the at least part of the cost. |
