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WO2018025176A1 - Système et procédé de gestion de prêts - Google Patents

Système et procédé de gestion de prêts Download PDF

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Publication number
WO2018025176A1
WO2018025176A1 PCT/IB2017/054695 IB2017054695W WO2018025176A1 WO 2018025176 A1 WO2018025176 A1 WO 2018025176A1 IB 2017054695 W IB2017054695 W IB 2017054695W WO 2018025176 A1 WO2018025176 A1 WO 2018025176A1
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WO
WIPO (PCT)
Prior art keywords
loan
borrower
lender
mobile device
controller
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/IB2017/054695
Other languages
English (en)
Inventor
Beverley Elizabeth COURTNEY
James Knowlton COURTNEY
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of WO2018025176A1 publication Critical patent/WO2018025176A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • This invention relates to a system and method for managing loans and utilising information from informal loans.
  • Sources of 3rd party payment and financial (credit) support may be available to bridge these cash flow deficits:
  • Vendors/merchants prefer cash for tax reasons so debit cards are not widely accepted; ⁇ Mobile payment services are not ubiquitous or interoperable and also avoided for tax reasons;
  • Credit may not be immediately accessible, may be costly to access, may have high cost of money, may not deal in very small or very large loans, and may be inflexible or have a high default risk;
  • Formal lenders may require the borrower to have a steady, formal job (payslips) or have a formal credit rating.
  • PTPL overcomes many of the limitations of 3rd party payment and finance and is usually a person's first choice due to its various advantages in that PTPL:
  • PTPL is the most common personal financial strategy used to cope with the occasional cash shortfall or financial deficits.
  • PTPL has several disadvantages for the Lender:
  • a system for managing loans comprising:
  • a remote network accessible processor with an associated loan controller and an associated database
  • a lender's mobile device operable by a lender
  • a borrower's mobile device operable by a borrower; the lender's mobile device and the borrower's mobile device each being configured to communicate with the remote processor using a communication service accessible to the respective mobile device and the remote processor, and the system being configured for:
  • the loan controller to receive at least from the borrower's mobile device a message reporting a loan that has been made by the lender to the borrower;
  • the loan controller to determine from the message details relating to the loan, the details including a loan amount and terms of the loan, unique identifiers of the lender and the borrower, and a communication number for each of the borrower's mobile device and the lender's mobile device;
  • the loan controller to register the loan on the database against the borrower in favour of the lender with the database record indicating the loan details
  • the loan controller to transmit to each of the borrower's mobile device and the lender's mobile device a message reporting registration of the loan;
  • the loan controller to receive from at least the lender's mobile device a message reporting that a payment of at least part of the loan has been made to the lender; the loan controller to update the database to record the payment in respect of the loan against the database record;
  • the loan controller to transmit to each of the borrower's mobile device and the lender's mobile device a message reporting the updated balance of the loan.
  • loan controller comprises a software application that is operated on the processor.
  • system is further provided for the loan controller to also receive a message from the lender's mobile device confirming the loan has been made by the lender to the borrower.
  • system is also provided for the loan controller to receive a message from the borrower's mobile device confirming the at least part repayment in respect of the loan.
  • system configured for the registering of the loan on the database to include associating an account of the lender or the borrower, as the case may be, with the communication number of the borrower's mobile device and the lender's mobile device, respectively, and further preferably for the personal identity number of the lender or borrower, as the case may be, to also be associated with its account.
  • terms of the loan to include the date by which full or partial repayment of the loan is required, a loan duration, charges for the loan and default provisions, and further preferably for the charges for the loan to comprise interest, administration or courtesy fees, and the like.
  • the unique identifiers of the lender and the borrower and the communication number for each of the borrower's mobile device and the lender's mobile device to comprise one or more of the group comprising mobile phone numbers (MSISDN), MAC addresses, and IP addresses.
  • MSISDN mobile phone numbers
  • MAC addresses MAC addresses
  • IP addresses IP addresses
  • system configured for:
  • the loan controller to calculate the agreed fees due on the loan, if any, over and above the principle loan amount
  • the loan controller to transmit to either the borrower's mobile device or the lender's mobile device updated information in respect of such agreed fees upon receipt of a query message from either the borrower's mobile device or the lender's mobile device in respect of the amount due at any time after the loan is registered.
  • system configured for:
  • the loan controller to determine when a payment falls due in respect of the loan; the loan controller to transmit to each of the borrower's mobile device and the lender's mobile devices a reminder message containing details about the amount presently due and the due date;
  • the loan controller to preferably transmit the reminder message in advance of the due date of the payment
  • the loan controller to further preferably transmit late notice reminders including the amount then due if the loan remains unsettled after the due date.
  • the system to include a payment system, and for the system to be configured for:
  • the lender to initiate a payment instruction from the lender's mobile device in favour of the borrower, as payment of the loan amount from the lender to the borrower;
  • the payment system to receive the payment instruction and transmitting the loan amount from an account associated with the lender to an account associated with the borrower;
  • the borrower to initiate a payment instruction from the borrower's mobile device to the lender, as at least part repayment of the loan amount from the borrower to the lender;
  • the payment system to receive the payment instruction and to transmit the repayment amount from an account associated with the borrower to an account associated with the lender;
  • the system to be configured for the feature of the loan controller to receive from the lender's mobile device or the borrower's mobile device a message reporting a loan made by the lender to the borrower, to comprise the system being configured for:
  • the borrower to transmit from the borrower's mobile device to the loan controller a message requesting a loan, specifying at least a loan amount;
  • the loan controller to receive the loan request message from the borrower's mobile device and to transmit to a lender a message requesting the loan on behalf of the borrower, the message indicating proposed loan details, preferably including the loan amount, a loan duration and an interest rate;
  • the lender to transmit from the lender's mobile device to the loan controller a message indicating acceptance or rejection of the proposed loan, or proposed alternative loan details;
  • the loan controller to transmit to the borrower's mobile device a message reporting the proposed alternative loan
  • the loan controller to transmit to each of the borrower's and the lender's mobile device a message reporting rejection of the proposed loan.
  • the system is further provided for the system to be configured for payment instruction from the lender's mobile device to the payment system to be transmitted directly from the lender's mobile device or via the loan controller, and for the repayment instruction from borrower's mobile device to the payment system to be transmitted directly from the borrower's mobile device or via the loan controller.
  • the unique identifiers of the lender and the borrower to comprise national identification numbers, alternatively their mobile device communication numbers.
  • the system is still further provided for the system to be configured to be implemented on the lender's mobile device and the borrower's mobile by means of a software application that is operated on such mobile device or on the Subscriber Identity Module (SIM) of the mobile device and the software application communicating with the loan controller using a communication service accessible by the mobile device.
  • SIM Subscriber Identity Module
  • the communication service comprises any one or more of Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), any of the mobile device's supported mobile data connections, including GPRS, EDGE, 3G, 4G, 5G, Wi- Fi, and the like.
  • USSD Unstructured Supplementary Service Data
  • SMS Short Message Service
  • any of the mobile device's supported mobile data connections including GPRS, EDGE, 3G, 4G, 5G, Wi- Fi, and the like.
  • the loan controller to determine a form of credit rating in respect of users of the system, preferably as identified by their unique identifiers, based on:
  • the borrower's borrowing patterns including:
  • the lending patterns of lenders including:
  • the loan controller to provide means for the lender, and preferably also for third parties, to ascertain and/or confirm the credit rating of a user of the system.
  • the user generated ratings of loan counterparties to include borrowers rating their lenders and lenders rating their borrowers.
  • a method of managing loans by means of a system comprising:
  • a remote network accessible processor with an associated loan controller and an associated database
  • a lender's mobile device operable by a lender
  • the lender's mobile device and the borrower's mobile device each being configured to communicate with the remote processor using a communication service accessible to the respective mobile device and the remote processor, and the method including the steps:
  • the loan controller receiving at least from the borrower's mobile device a message reporting a loan that has been made by the lender to the borrower;
  • the loan controller determining from the message details relating to the loan, the details including a loan amount and terms of the loan, unique identifiers of the lender and the borrower, and a communication number for each of the borrower's mobile device and the lender's mobile device;
  • the loan controller registering the loan on the database against the borrower in favour of the lender with the database record indicating the loan details
  • the loan controller transmitting to each of the borrower's mobile device and the lender's mobile device a message reporting registration of the loan;
  • the loan controller receiving from at least the lender's mobile device a message reporting that a payment of at least part of the loan has been made to the lender; the loan controller updating the database to record the payment in respect of the loan against the database record;
  • the loan controller transmitting to each of the borrower's mobile device and the lender's mobile device a message reporting the updated balance of the loan.
  • the method includes the loan controller also receiving a message from the lender's mobile device confirming the loan has been made by the lender to the borrower, and for the loan controller receiving a message from the borrower's mobile device confirming the at least part repayment in respect of the loan.
  • registering of the loan on the database to include associating an account of the lender or the borrower, as the case may be, with the communication number of the borrower's mobile device and the lender's mobile device, respectively, and further preferably associating the personal identity number of the lender or borrower, as the case may be, with its account.
  • the method to include the step of inclusion in the terms of the loan the date by which full or partial repayment of the loan is required, a loan duration, charges for the loan and default provisions, and further preferably for the charges for the loan to comprise interest, administration or courtesy fees, and the like.
  • the unique identifiers of the lender and the borrower and the communication number for each of the borrower's mobile device and the lender's mobile device to comprise one or more of the group comprising mobile phone numbers (MSISDN), MAC addresses, and IP addresses.
  • MSISDN mobile phone numbers
  • MAC addresses MAC addresses
  • IP addresses IP addresses
  • the method includes:
  • the loan controller calculating the agreed fees due on the loan, if any, over and above the principle loan amount
  • the loan controller transmitting to either the borrower's mobile device or the lender's mobile device updated information in respect of such agreed fees upon receipt of a query message from either the borrower's mobile device or the lender's mobile device in respect of the amount due at any time after the loan is registered.
  • the method includes:
  • the loan controller determining when a payment falls due in respect of the loan; the loan controller transmitting to each of the borrower's mobile device and the lender's mobile devices a reminder message containing details about the amount presently due and the due date;
  • the loan controller preferably transmitting the reminder message in advance of the due date of the payment
  • the loan controller further preferably transmitting late notice reminders including the amount then due if the loan remains unsettled after the due date.
  • the method to include a management of a payment system, including the steps of:
  • the lender initiating a payment instruction from the lender's mobile device in favour of the borrower, as payment of the loan amount from the lender to the borrower;
  • the payment system receiving the payment instruction and transmitting the loan amount from an account associated with the lender to an account associated with the borrower;
  • the borrower initiating a payment instruction from the borrower's mobile device to the lender, as at least part repayment of the loan amount from the borrower to the lender;
  • the payment system receiving the payment instruction and transmitting the repayment amount from an account associated with the borrower to an account associated with the lender;
  • the step of the loan controller receiving from the lender's mobile device or the borrower's mobile device a message reporting a loan made by the lender to the borrower, to include:
  • the borrower transmitting from the borrower's mobile device to the loan controller a message requesting a loan, specifying at least a loan amount;
  • the loan controller receiving the loan request message from the borrower's mobile device and transmitting to a lender a message requesting the loan on behalf of the borrower, the message indicating proposed loan details, preferably including the loan amount, a loan duration and an interest rate;
  • the lender transmitting from the lender's mobile device to the loan controller a message indicating acceptance or rejection of the proposed loan, or proposed alternative loan details;
  • the loan controller transmitting to each of the borrower's mobile device and the lender's mobile device a message reporting rejection of the proposed loan
  • the loan controller transmitting to the borrower's mobile device a message reporting the proposed alternative loan; and the borrower transmitting through the borrower's mobile device to the loan controller a message confirming the acceptance or rejection of the proposed alternative loan;
  • the loan controller transmitting to each of the borrower's and the lender's mobile device a message reporting rejection of the proposed loan.
  • the method includes for direct transmission of payment instruction from the lender's mobile device to the payment system from the lender's mobile device or via the loan controller, and for direct transmission of the repayment instruction from borrower's mobile device to the payment system from the borrower's mobile device or via the loan controller.
  • the unique identifiers of the lender and the borrower to comprise national identification numbers, alternatively their mobile device communication numbers.
  • the method includes implementation on the lender's mobile device and the borrower's mobile by means of a software application that is operated on such mobile device or on the Subscriber Identity Module (SIM) of the mobile device and the software application communicating with the loan controller using a communication service accessible by the mobile device.
  • SIM Subscriber Identity Module
  • the communication service comprises any one or more of Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), any of the mobile device's supported mobile data connections, including GPRS, EDGE, 3G, 4G, 5G, Wi- Fi, and the like.
  • USSD Unstructured Supplementary Service Data
  • SMS Short Message Service
  • any of the mobile device's supported mobile data connections including GPRS, EDGE, 3G, 4G, 5G, Wi- Fi, and the like.
  • the method to include the loan controller determining a form of credit rating in respect of users of the system, preferably as identified by their unique identifiers, based on:
  • the borrower's borrowing patterns including:
  • the lending patterns of lenders including:
  • loan controller providing means for the lender, and preferably also for third parties, to ascertain and/or confirm the credit rating of a user of the system.
  • user generated ratings of loan counterparties to include borrowers rating their lenders and lenders rating their borrowers.
  • Figure 1 which provides a graphic representation of prior art lending by showing how culture has evolved a solution in the form of Peer-to-Peer Lending (PTPL) to bridge frequent cash flow deficits; and
  • PTPL Peer-to-Peer Lending
  • Figure 2 provides a graphic representation of an implementation of a loan management system according to the invention.
  • a first embodiment relates to a situation where a loan originates from a borrower, and a second relates to a situation where a loan originates from a lender.
  • Version 1 the system is used to record a loan that has been made person- to-person and to manage the process of repaying the loan. Version 1 is thus primarily a "recordal service” and requires users to exchange (cash) money directly and outside the system and to use the system to generate receipts when cash is transferred.
  • Version 2 the system is used by the borrower to request the loan from a lender or lenders, or for a lender to offer a loan to a borrower or borrowers, and to manage payment and repayment of the loan through associated payment services.
  • the system may also be used by a lender who receives a request for a loan to propose alternative loan details, such as a different amount, term or interest rate.
  • Version 2 uses e-money in the form of a PayMeBack Wallet or links to 3rd party payment systems such as mobile money wallets and bank accounts or value exchange systems such a non-monetary or peer-to-peer electronic mediums of value exchange (e.g. airtime accounts, barter exchanges, bitcoin or future peer-to-peer value storage and/or exchange mechanisms).
  • PayMeBack users decide if they wish to use a PayMeBack wallet or link their PayMeBack account to other (3rd party) payment or value exchange systems, to which they may already be subscribed to, to make and repay loans. When two users are on Version 2, they can avoid the physical exchange of cash and receipting entirely.
  • PayMeBack Wallet Funding may be done by means of:
  • Version 2 thus allows users to source loans from unknown 3rd parties:
  • the system according to the invention is a mobile device implemented system for managing loans, as exemplified in Figure 2, and it comprises:
  • a remote network e.g. the Internet
  • accessible processor with an associated loan controller
  • the lender's mobile device and the borrower's mobile device are each configured to communicate with the remote processor using a communication service accessible to the respective mobile device.
  • the system is operated jointly by the lender, borrower and the loan controller operating in association with the remote network accessible processor, with the loan controller typically comprising software that is operated on a processor in the form of a communications network connected server.
  • the network in this embodiment comprises the Internet, but may equally also be a mobile device specific network or a combination of different networks that interact to allow the lender's mobile device and the borrower's mobile device to communicate with each other.
  • the remote processor, the lender's mobile device and the borrower's mobile device are programmed to perform a method including the steps of:
  • the loan controller receiving at least from the borrower's mobile device a message reporting a loan that has been made by the lender to the borrower;
  • the loan controller determining from the message details relating to the loan, including a loan amount, a loan duration, unique identifiers of the lender and the borrower, and a communication number for each of the borrower's and the lender's mobile devices;
  • the loan controller transmitting to each of the borrower's and the lender's mobile devices a message reporting registration of the loan;
  • the loan controller receiving from at least the lender's mobile device a message reporting that a payment of at least part of the loan has been made to the lender; the loan controller updating the database to record the payment in respect of the loan;
  • the loan controller transmitting to each of the borrower's and the lender's mobile devices a message reporting the updated balance of the loan.
  • the borrower may request from the lender, using the system, a basic Quick Loan or Custom Loan with special terms.
  • a Quick Loan will have standard terms whilst a Custom Loan has, as indicated above, special terms.
  • the lender may then respond by means of a Quick Accept, a Decline or to Propose Alternative Terms.
  • the lender may offer a basic Quick Loan or a Custom Loan with special terms. The borrower may then respond by means of a Quick Accept, a Decline or to Propose Alternative Terms.
  • the system includes also the following further features:
  • the system sends automatic reminders to both parties when a loan falls due and, if not settled, when it becomes overdue.
  • the system will generate a numerical PayMeBack Rating (analogous to a credit score) for users (e.g. 0 to 100 with 0 being very poor and 100 being excellent). Users automatically gain or lose formula/algorithm driven PayMeBack Rating points based on their service tenure and PayMeBack behaviour, including:
  • a user can check his PayMeBack Rating at any time, and can share his PayMeBack Rating with others (e.g. when requesting a 3rd party loan). This allows a user to build personal status by having a high PayMeBack Rating.
  • the calculation of the PayMeBack Rating is such that it recognises positive and negative aspects relating to loan repayments. A higher rating indicates a higher reliability.
  • This provides a valuable tool for user of the system to build up a credit rating not otherwise available to him.
  • This also allows formal financial institutions to have a greater degree of comfort when providing a first time customer with financial services, especially credit. Often such first time customers have had a long track record of dealing reliably with PTPL credit, but it is unrecorded - and therefore conventionally irrelevant as far financial institutions are concerned - because it has been person to person in the informal sector.
  • the PayMeBack Rating allows a user of the system to build up a reliable and verifiable credit history which will be credible for a financial institution and makes it easier for such user to become a customer of a formal banking institution.
  • a PTPL credit rating in the form of the PayMeBack Rating, could be the first credit rating for the mass market in the developing world and provide qualifying individuals with enhanced and earlier access to credit at lower borrowing costs.
  • Reminder function replaces collection calls and dunning notices

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un système et un procédé de gestion de prêts, le système transmettant à un processeur accessible par un réseau distant un contrôleur de prêts associé et une base de données associée ; un dispositif mobile de prêteur utilisable par un prêteur ; et un dispositif mobile d'emprunteur utilisable par un emprunteur ; et le dispositif mobile du prêteur et le dispositif mobile de l'emprunteur étant chacun configurés pour communiquer avec le processeur distant au moyen d'un service de communication accessible au dispositif mobile respectif et au processeur distant. Le système est configuré pour que le contrôleur de prêts gère les prêts en recevant des données associées aux prêts et gère le processus de prêt en communication avec les dispositifs mobiles du prêteur et de l'emprunteur.
PCT/IB2017/054695 2016-08-01 2017-08-01 Système et procédé de gestion de prêts Ceased WO2018025176A1 (fr)

Applications Claiming Priority (2)

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ZA2016/03720 2016-08-01
ZA201603720 2016-08-01

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WO2018025176A1 true WO2018025176A1 (fr) 2018-02-08

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113256403A (zh) * 2021-06-16 2021-08-13 中国银行股份有限公司 基于区块链和5g消息的个人小额贷款方法、装置及系统

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Publication number Priority date Publication date Assignee Title
KR20060073444A (ko) * 2005-11-30 2006-06-28 주식회사 비즈모델라인 금전 차용 방법 및 시스템
US20090327010A1 (en) * 2008-06-27 2009-12-31 Srinivas Vadhri Systems and methods for facilitating financial transactions over a network
US20140067652A1 (en) * 2010-01-13 2014-03-06 Hendrick Geert Pieter van Arkel Commercial credit circuit
US9262754B1 (en) * 2009-08-21 2016-02-16 Wells Fargo Bank, N.A. Request tracking system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060073444A (ko) * 2005-11-30 2006-06-28 주식회사 비즈모델라인 금전 차용 방법 및 시스템
US20090327010A1 (en) * 2008-06-27 2009-12-31 Srinivas Vadhri Systems and methods for facilitating financial transactions over a network
US9262754B1 (en) * 2009-08-21 2016-02-16 Wells Fargo Bank, N.A. Request tracking system and method
US20140067652A1 (en) * 2010-01-13 2014-03-06 Hendrick Geert Pieter van Arkel Commercial credit circuit

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113256403A (zh) * 2021-06-16 2021-08-13 中国银行股份有限公司 基于区块链和5g消息的个人小额贷款方法、装置及系统

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