Patent ID: 7843861

Claim:
A method, comprising: forming an ad hoc network composed of a multiplexer coupling a borrower to at least one lender; and forming a coalition composed of the ad hoc network and at least one other multiplexer, wherein: the at least one lender comprises a plurality of lenders; the plurality of lenders comprises a first subset of the plurality of lenders and a second subset of the plurality of lenders; the first subset of the plurality of lenders is associated with the multiplexer; the second subset of the plurality of lenders is associated with the at least one other multiplexer; the multiplexer comprises a computer device that is separate from the borrower and the plurality of lenders and that communicates with the borrower and the first subset of the plurality of lenders via wireless telephony protocol; and the at least one other multiplexer comprises another computer device that is separate from the borrower and the plurality of lenders and that communicates with the second subset of the plurality of lenders via wireless telephony protocol.