Subsidizer for networked loan market and lending management system

Abstract

Systems, methods, and apparatus for receiving a plurality of borrowing orders from a plurality of borrowers; receiving a plurality of lending orders from a plurality of lenders; receiving at least one subsidizer order from a loan subsidizer that includes one or more loan subsidizing terms; and executing a matching algorithm to match at least some of the borrowing orders with at least some of the lending orders, wherein the result of the executed match is affected by the existence of the at least one subsidizer order.

1 . A computer-implemented method, comprising:
 receiving a plurality of borrowing orders from a plurality of borrowers;   receiving a plurality of lending orders from a plurality of lenders;   receiving at least one subsidizer order from a loan subsidizer that includes one or more loan subsidizing terms;   executing a matching algorithm to match at least some of the borrowing orders with at least some of the lending orders, wherein the result of the executed match is affected by the existence of the at least one subsidizer order.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein executing the matching algorithm comprises determining if a particular borrowing order of the plurality of borrowing orders is eligible for a loan subsidy based on the loan subsidizing terms included in the subsidizer order. 
     
     
         3 . The computer-implemented method of  claim 2 , wherein executing the matching algorithm further comprises automatically matching the particular borrowing order with a lending order and a subsidizer order to generate an atomic loan if the borrowing order satisfies the subsidizing terms included in the at least one subsidizer order. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the subsidizing terms include a profile of borrowers and a level of subsidizing. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the borrowing order comprises a subsidy request. 
     
     
         6 . The computer-implemented method of  claim 4 , further comprising automatically verifying eligibility of the subsidy request. 
     
     
         7 . The computer-implemented method of  claim 4 , further comprising verifying, by a lending agent, the eligibility of the subsidy request. 
     
     
         8 . The computer-implemented method of  claim 1 , further comprising:
 collecting funds from the subsidizer; and   distributing the funds according to the subsidizing terms.   
     
     
         9 . The computer-implemented method of  claim 1 , further comprising routing the atomic loan to an agent to confirm one or more details of the subsidizer order. 
     
     
         10 . The computer-implemented method of  claim 1 , wherein the loan subsidizer comprises a government agency. 
     
     
         11 . The computer-implemented method of  claim 1 , wherein the loan subsidizer comprises a commercial organization. 
     
     
         12 . The computer-implemented method of  claim 1 , wherein the subsidizing terms include one or more of a method of subsidy offered, a method of verifying a borrower's entitlement to the subsidy, a period in which the subsidy is available, specific subsidy conditions, a method of calculating an amount of subsidy, a method of paying the subsidy, and a total amount of cash covered by the subsidy offer. 
     
     
         13 . An apparatus comprising:
 a borrowing order receiver configured to receive a plurality of borrowing orders from a plurality of borrowers;   a lending order receiver configured to receive a plurality of lending orders from a plurality of lenders;   a subsidizer order receiver configured to receive at least one subsidizer order from a loan subsidizer that includes one or more loan subsidizing terms; and   a matcher, associated with the borrowing order receiver, the lending order receiver, and the subsidizer order receiver, and configured to execute a matching algorithm to match at least some of the borrowing orders with at least some of the lending orders, wherein the result of the executed match is affected by the existence of the at least one subsidizer order.   
     
     
         14 . The apparatus of  claim 13 , wherein the matcher is configured to execute the matching algorithm by determining if a particular borrowing order of the plurality of borrowing orders is eligible for a loan subsidy based on the loan subsidizing terms included in the subsidizer order. 
     
     
         15 . The apparatus of  claim 14 , wherein the matcher is further configured to execute the matching algorithm by automatically matching the particular borrowing order with a lending order and a subsidizer order to generate an atomic loan if the borrowing order satisfies the subsidizing terms included in the at least one subsidizer order. 
     
     
         16 . The apparatus of  claim 13 , wherein the subsidizing terms include a profile of borrowers and a level of subsidizing. 
     
     
         17 . The apparatus of  claim 13 , wherein the borrowing order comprises a subsidy request. 
     
     
         18 . The apparatus of  claim 13 , wherein the borrowing order receiver is further configured to automatically verify eligibility of the subsidy request. 
     
     
         19 . The apparatus of  claim 13 , wherein the borrowing order receiver is further configured to verify, by way of a lending agent, the eligibility of the subsidy request. 
     
     
         20 . The apparatus of  claim 13 , further comprising:
 a collection manager, associated with the borrowing order receiver, the lending order receiver, the subsidizer order receiver, and the matcher, and configured to collect funds from the subsidizer; and distribute the funds according to the subsidizing terms.