METHODS AND SYSTEMS FOR SELF-FUNDING INVESTMENTS

摘要

Methods, systems and/or computer instructions of enabling the creation and configuration of lending circles for members of organized communities, while optionally maintaining the anonymity of members.

主权项

1. A computer implemented method for managing the identity of participants within a P2P lending system hosted on a computer network, comprising:
storing a plurality of records of borrower profiles in a database on the system, each profile being for a different borrower, each borrower being a member of an organized community of members; storing one or more records of lending circles representing an organized community of members; in the system, associating a borrower profile record with a loan offering record stored on the system and with a lending circle record; and allocating or disseminating a borrower profile and associated loan offering record to one or more investors, the borrower profile including sufficient profile information about a borrower to enable investors to make funding decisions for the loan offering, the borrower profile excluding data directly identifying the borrower.