Patent ID: 8560435

Claim:
A system for receiving a borrower's collateral for facilitating a loan transaction comprising: a transportation system including a fleet of parcel delivery vehicles; and a computer system comprising: at least one data terminal transported by at least one of the parcel delivery vehicles; at least one server computer; and a communications network for facilitating communication between the data terminal and the server computer, wherein: the data terminal is configured to receive data relating to the receipt of the borrower's collateral from an operator of at least one of the parcel delivery vehicles, and to transmit the data to the server computer via the communications network; and the server computer is configured to receive the data relating to the receipt of the borrower's collateral and to communicate the data for use in informing a determination of a level of risk associated with the borrower in a peer-to-peer loan transaction, wherein each parcel delivery vehicle is conducting parcel delivery transactions as part of a parcel delivery route in which one or more parcels are picked up from consignors or delivered to consignees, wherein the borrower is visited as part of carrying out the route and the borrower's collateral is distinct from the one or more parcels being picked up or delivered, the server computer being configured to process the data to determine the level of risk associated with the borrower in the peer-to-peer loan transaction, wherein the determination of the level of risk is made accessible to a lender for facilitating the lender's selection of the borrower from a number of potential borrowers to engage the borrower in the peer-to-peer loan transaction.