| US 7,509,282 B2 | ||
| Auction system and method | ||
| Hiroshi Shirakawa, Urayasu (Japan); Takeichiro Nishikawa, Yokohama (Japan); Naoshi Uchihira, Kawasaki (Japan); Keiji Ohmori, Yokohama (Japan); Makoto Miyoshi, Ichikawa (Japan); Satoru Endo, Machida (Japan); and Yoshikuni Matsumura, Kawasaki (Japan) | ||
| Assigned to Kabushiki Kaisha Toshiba, Kawasaki-shi (Japan); The Sanwa Bank Limited, Osaka-shi (Japan); and Financial Technology Research Institute, Inc., Tokyo (Japan) | ||
| Filed on Feb. 02, 2001, as Appl. No. 9/773,913. | ||
| Claims priority of application No. 2000-028108 (JP), filed on Feb. 04, 2000. | ||
| Prior Publication US 2001/0020233 A1, Sep. 06, 2001 | ||
| Int. Cl. G06Q 40/00 (2006.01) | ||
| U.S. Cl. 705—37 [705/38] | 6 Claims |
| 1. An auction system including a computer disposed in a site accessible from user terminals through a transmission line of
a network, the auction system comprising:
a selection section configured to select a borrowing request or a lending offer for each user;
an input section configured to input information related to the borrowing request and including a desired borrowing amount
and a maximum allowable interest if a user selects the borrowing request, and to input information related to the lending
offer and including a desired lending amount and a desired interest or a condition capable of calculating the desired interest
if another user selects the lending offer;
a borrowing intermediacy section configured to receive a plurality of potential borrowing requests from user terminals corresponding
to a plurality of users who selected the borrowing request;
a borrowing request storage section configured to register the potential borrowing requests input through the transmission
line into the borrowing intermediacy section;
a lending intermediacy section configured to receive a plurality of potential lending offers from user terminals corresponding
to a plurality of users who selected the lending offer;
a lending offer storage section configured to register the potential lending offers input through the transmission line into
the lending intermediacy section;
a background information storage section configured to store background information of the potential borrowing requests;
a risk calculation section configured to calculate a risk of each of the potential borrowing requests and an appropriate interest
rate thereof from the background information of the potential borrowing requests; and
a matchmaking section configured to select a set of successful bids between the potential borrowing requests and the potential
lending offers and output the set of successful bids,
wherein the risk calculation section is configured to allow each of entities of the potential lending offers to designate
a risk calculation condition used for a corresponding potential lending offer, and the risk calculation section calculates
an appropriate interest rate for application to each of the potential borrowing requests while using background information
of a corresponding potential borrowing request stored in the background information storage section, in accordance with a
designated risk calculation condition for each of the potential lending offers, so as to allow a corresponding entity to refer
to the appropriate interest rate, and
the matchmaking section performs matchmaking between the potential borrowing requests registered in the borrowing request
storage section and the potential lending offers registered in the lending offer storage section, by setting a certain order
of priority on these potential borrowing requests, and selecting the set of successful bids, in descending order of priority
of the potential borrowing requests and in ascending order of the desired interests of the potential lending offers, within
a range not more than the maximum allowable interest of the potential borrowing requests, until the desired borrowing amount
of the potential borrowing requests is satisfied.
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