FIELD: computing.
SUBSTANCE: present invention relates to methods for implementing electronic commerce and auctions, in particular, providing an online tool for making financial transactions carried out using computer tools of a lending institution (a lender) and a borrower, connected by the Internet to an online service platform. The objective of the claimed group of inventions is to expand the arsenal of technical means for the following purpose - "automated online method and system for implementation of online electronic lending transactions." The technical result is achieved by using an automated online system and method of lending, including registration with the help of a processor, of system participants, subdivided at least by their status into categories of lenders and borrowers, their authorization and access to the online trading platform in accordance with the status in the system, collecting and combining data on credit offers of lenders, including loan interest rates and conditions for accepting offers, while accepting information from the lender, including a regular offer on a loan interest rate open to all users and insider information that is not displayed on the trading platform's output devices, containing the minimum allowable loan interest rate, which is lower than the loan interest rate in the regular offer, and at the stage of the borrower's choice of the lender's offer, through the ETTP interface, the borrower’ counter-offer is accepted with data on the borrower's interest rate, including at least the loan interest rate offered by the borrower and the loan amount; the cost of the collateral of the borrower's offer is automatically calculated at the proposed interest rate and amount of the loan, the funds are deposited on the borrower's bank card in favor of the Marketplace, and the processor of the service part of the ETTP automatically compares the interest rate offers of the borrower with the lender's acceptance terms on the amount and interest rate proposed to the borrower with the minimum allowable and regular offer on the loan interest rate, with the borrower made interest rate offer constituting not less than the minimum allowable interest rate on the loan set by the lender, accept the borrower's offer and return the borrower's deposited funds from the Trading Platform account to the borrower's bank card account, and when at the stage of comparison of the borrower's offer with the lender's acceptance terms, the lending interest rate in the borrower's proposed offer is lower than the lender's minimum allowable loan interest rate, a pre-established message to the borrower is formed with a proposal to increase the proposed loan interest rate for acceptance, or refusal to accept the borrower's offer, or setting the previous interest rate offers in standby mode.
EFFECT: expanding the arsenal of technical means for the following purpose - "automated online method and system for implementation of online electronic lending transactions."
17 cl, 3 dwg
