Patent ID: 9189789
Filing Date: 2015-11-17
Classification: G06Q

Abstract:
1. A computer implemented method for fulfilling a request for loan of a business entity, the method comprising: a loan connect mechanism coupled to at least one micro-processor of an intermediate computer in communication with a computing device of a business entity via a first computing network and a computer of a lender via a second computing network identifying or receiving a request for a loan for a loan amount from the computing device of the business entity via the first computing network; the loan connect mechanism coupled to at least one micro-processor of the intermediate computer identifying or creating a borrower's profile for the business entity based at least in part upon the request; the loan connect mechanism coupled to at least one micro-processor of the intermediate computer identifying or receiving a lender's profile by fetching or receiving the lender's profile from the computer of the lender via the second computing network; the loan connect mechanism coupled to at least one micro-processor of the intermediate computer and a financial management system receiving electronic data from the financial management system that is utilized by the business entity, the financial management system being linked to at least one financial account of the business entity; the loan connect mechanism coupled to at least one micro-processor of the intermediate computer enhancing credibility of the borrower's profile by using at least the electronic data from the financial management system to improve the credibility of the borrower's profile or other data associated with the borrower's profile based at least in part upon the electronic data received from the financial management system; and the loan connect mechanism coupled to at least one micro-processor of the intermediate computer identifying a first compatibility criterion of a first type of compatibility at least by receiving or identifying the first compatibility criterion included in or associated with another lender's profile from another computing system of another lender via another computing network, wherein the first type of compatibility is included in, associated with, or specified in the lender's profile that comprises a plurality of compatibility criteria of one or more other compatibility types that are used to determine whether or not the loan is to be granted; and the loan connect mechanism coupled to at least one micro-processor of the intermediate computer matching the request for the loan with the lender by at least determining respective compatibility between the business entity and multiple lenders including the lender based at least in part on respective weights or rankings of multiple compatibility criteria included in or associated with the lender's profile and further by distributing or scaling the plurality of compatibility criteria specified in or associated with the lender's profile based in part or in whole upon the first compatibility criterion, the first compatibility criterion not included in or associated with the lender's profile, and one or more lender compatibility criteria in the borrower's profile.