INTEGRATION INTERFACE FOR FUNDS TRANSFER SERVICE PROCESSES, AND COLLECTION SERVICES AT THE SERVICE OF THE SUSTAINABLE DEVELOPMENT OF COMMUNITY AND PARTICIPATORY CREDIT BETWEEN INDIVIDUALS

摘要

the invention enables individuals and totheprivate lending agreement community in an online social networkprivate andsecure in the form of a p2p platform, based on the repaymentthe wages ofand without having to use the services of a fund management companyor portfoliomoney lending or borrowing.the invention relates to a process with an integration interface transferof funds; anda collection service, with an ancillary service of general councilonlinebased on the collaboration of the members of the network in the form of information.andthe information provided by the various players in the financial system.the interface that will benow available to consumers that amf could be considered asvarious lawsas a qualified investor and financial regulations, orinvestorsqualified, and consumers in typical or solventconsumerssolvent, but atypical, which the banks aren't lendingnecessarily.as people who have fixed-term employment contracts.peoplewhose income is irregular, self-employed, etc., andconsumersthe risk to get a loan, and who cannot or do not want toget it throughfrom a traditional financial institution or credit to the parallel markettheconsumption, which can be extremely costly.the interface uses a platform that provides a secure onlineframeworka social, legal, and financial services, withsupport andthe facilitator, which include various documents legally and boxessoftwarefinancial networks with different interfaces, and moreapplicationscentral modules in a community environment, online, orrequestand their financing are direct and participatory to members thatthe completed.four options are offered to lenders for loans ofmoney;angels creditio (loan aims to help entrepreneurs, membersolventin the implementation of its projects, the economic and social creditioloanspersonal guarantees and guarantees for borrowing membersseesolvent, penny penny creditio personal guarantees for loansgroups ofborrowing members, solvent, and the tithes creditio (micro loanspersonalno guarantees to the borrowers, in groupsrisk). theprocess of financial applications, with working methodsin hismembers, sharing and support for the community's creditnotoffered by traditional financial institutions and marketsparallel to thecredit. the interface is, among other things, to provide a secure environmentand be able toverification of the identity of the members of the system.the interface allows the borrowing members describe their projects,needs,income expectations, as well as their credit files, processallowsborrowing members to organize into groups and social networks. itis thesecure transfer of material between its members and its database.thethe information necessary for their operation between persons,processa module for the transfer of funds electronically in real time and immediateaa minimum of two and a maximum of 51 members of the system for eachlending agreement has been negotiated between its members, in accordance withthevarious pieces of canadian legislation to ensure. integrity and protection of themembers. theis to use the system without members who need itto create acommon fund for investment in the management of its funds, used to describetheexpectations can be the whole or part of a loan and theestablishment oftheir own portfolio, either with his own money in projectswho areto receive funds, with its own membersborrowersthe social networks of friends, family, and others), or throughthe funds for thetypical membered borrowers, or unusual, or as usual.use the marketon the credit side. the interface allows a service accessible to all, it isthecommunication and interaction of its members with social networkspopularenables its members to make a decision is informed and voluntary.the transfermoney guarantee and security among its members, the registration filesof creditthe borrowers of loans in default, and assistance in the recovery of thedebt.