| 主权项 |
1. A computer-implemented method for managing the purchase of insurance for losses arising from investments, loans, and pledges made on a crowdfunding portal through CF Transactions, comprising the steps of:
(a) receiving information from a subscriber about the subscriber's desire to purchase insurance related to a CF transaction, where the information is received via the internet or by other inter-computer communication; (b) searching a database of actuarial information that is stored on a computer to determine the appropriate price for an insurance with a specified indemnification account value for a CF transaction of the type that the subscriber desires to ensure; (c) sending information about the cost of the selected insurance policy to the subscriber via the internet or by other inter-computer communication; (d) receiving payment from the subscriber; (e) associating an indemnification account value with the CF Payment, the indemnification account value representing a monetary indemnification amount conditionally payable to the subscriber upon the occurrence of a repayment condition related to the CF Transaction; (f) receiving any information from the subscriber that the subscriber chooses to send, via the internet or other inter-computer communication, about the occurrence of a repayment condition; (g) monitoring default data representing whether or not fundraiser is in default on a payment related to the CF Transaction, the default data being associated with the indemnification account value; (h) examining the default data with a digital processor upon receipt of information from the subscriber that a repayment condition has occurred; and (i) releasing at least a portion of the indemnification account value to the subscriber as a function of the examination of the default data by the digital processor. |
