| 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 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. According to some embodiments, the described securitization and re-securitization methods may be used to provide financing of up-front payment of costs in cases where up-front payment results in a gain of a discount or other incentive. |
| 主权项 |
1. A method for providing financing, said method comprising:
using communication circuitry to receive, over a data network, data indicating an amount of an up-front payment of a cost; using the communication circuitry to receive, over the data network: (a) identifying details of a first party, and (b) details of one or more credit lines provided to the first party by one or more primary credit providers; securitizing, over the data network, the amount against the one or more credit lines, by sending to the primary credit providers, using the communication circuitry, a request for a credit authorization for the amount and receiving a first credit authorization, from the primary credit providers, for the amount; financing the amount upon said securitization; and prior to expiration of the first credit authorization, automatically re-securitizing an outstanding balance of the amount against the credit lines, by sending to the primary credit providers, using the communication circuitry, a second request for a credit authorization for the outstanding balance of the amount and receiving a second credit authorization, from the primary credit providers, for the outstanding balance of the amount. |
