System and method for Internet based peer-to-peer banking
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United States of America Patent
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N/A
Issued Date -
Dec 15, 2011
app pub date -
Mar 1, 2010
filing date -
Feb 27, 2009
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
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.
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