| 摘要 |
The present invention provides a method and system for facilitating a sale of debt accounts between a seller and one or more potential buyers. The method of the present invention preferably comprises the principal steps of (a) creating a computer readable database comprising data pertaining to a plurality of debt accounts, each account comprising a plurality of data fields; (b) grouping the accounts into at least one lot based upon at least one correlation among the data in the data fields; (c) searching the computer readable database for information corresponding to information designated by the potential buyers; (d) receiving one or more purchase offers for one or more lots from the potential buyers; and (e) communicating the purchase offers to the seller. The present invention further facilitates a sale of an item between a seller and a buyer which comprises the following principal steps: (a) receiving from at least one seller information pertaining to a plurality of items to be offered for sale; (b) establishing a spending limit for the buyer, the spending limit including a balance which designates an amount of funds available to the buyer; (c) communicating to the buyer at least a portion of the information pertaining to the items to be offered for sale; (d) receiving a plurality of purchase offers from the buyer, each purchase offer having an item and purchase price associated therewith, wherein each purchase price may be for an amount less than or equal to the balance of the spending limit; (e) communicating the pending purchase offers to each seller; (f) receiving an acceptance of a purchase offer from a seller; (g) calculating a new balance for the buyer's spending limit by deducting from the spending limit the purchase price associated with the offer; and (h) withdrawing any of the buyer's pending purchase offers for which the associated purchase price exceeds the amount of the new balance.
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