| 摘要 |
A method for providing an Internet based peer-to-peer banking includes: providing a website; lender or borrower defining desired loan terms on the website; website communicating lender's or borrower's loan terms, respectively, to a borrower or lender respectively; the website storing data pertaining to the loan, the borrower, and the lender; the website sending periodic billing statements and reminders to the borrower regarding loan payments to be made and balances; the borrower and the lender choosing to make automatic payments through the website or make loan payments through other means; the borrower and the lender having the ability to report to the website all loan payments that have been made or missed; the website storing data pertaining to all made and missed loan payments; the website providing the record of the loan payments to the borrower and lender upon maturity or default of the loan. |
