Multi-dimensional matching in networked loan market and lending management system

Abstract

Systems, methods, and apparatus for receiving, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision; receiving, from one or more borrowers, borrowing orders that include one more requested loan terms; generating a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and performing a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders.

1 . A computer-implemented method, comprising:
 receiving, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision;   receiving, from one or more borrowers, borrowing orders that include one more requested loan terms;   generating a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and   performing a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein generating the multi-dimensional matching matrix comprises:
 initializing cells in the multi-dimensional matching matrix to indicate whether there is a potential match between borrowing terms included in the borrowing order and lending terms included in the lending order.   
     
     
         3 . The computer-implemented method of  claim 2 , further comprising generating loans that satisfy the matching constraints of the borrowing order and lending order based on the multi-dimensional matching matrix. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the generated loans comprise composite loans and portfolio loans. 
     
     
         5 . The computer-implemented method of  claim 4 , further comprising:
 determining the effective characteristics of the composite loan based on characteristics of a plurality of atomic loans included in the composite loan.   
     
     
         6 . The computer-implemented method of  claim 1 , further comprising:
 subsequent to generating the multi-dimensional matching matrix, receiving an additional borrowing order; and   adding additional cells to the multi-dimensional matching matrix based on the additional borrowing order.   
     
     
         7 . The computer-implemented method of  claim 1 , further comprising:
 subsequent to generating the multi-dimensional matching matrix, receiving an additional lending order; and   adding additional cells to the multi-dimensional matching matrix based on the additional lending order.   
     
     
         8 . The computer-implemented method of  claim 1 , further comprising:
 subsequent to generating loans that satisfy the matching constraints of the borrowing order and lending order, removing cells from the multi-dimensional matching matrix associated with the borrowing orders and lending orders corresponding to the generated loans.   
     
     
         9 . The computer-implemented method of  claim 1 , wherein the multi-dimensional matching matrix comprises M rows and N columns wherein:
 each row of the M rows represents a composite loan from multiple lenders to one borrower; and   each column of the N columns represents a portfolio loan from a single lender to multiple borrowers.   
     
     
         10 . The computer-implemented method of  claim 1 , wherein generating the loans that satisfy the matching constraints of the borrowing order and lending order based on the multi-dimensional matching matrix comprises:
 generating a set of multiple possible composite loan combinations that satisfy a particular borrowing order; and   selecting a particular composite loan from the set of multiple possible composite loan combinations based on a utility function.   
     
     
         11 . An apparatus comprising:
 a lending order receiver configured to receive, from one or more lenders, lending orders that include customized loan profiles, the customized loan profiles being based on a plurality of parameters that influence a lending decision;   a borrowing order receiver configured to receive, from one or more borrowers, borrowing orders that include one more requested loan terms;   a matrix generating module, associated with the lending order receiver and the borrowing order receiver, and configured to generate a multi-dimensional matching matrix based on the received lending orders and the received borrowing orders; and   a matcher, associated with the lending order receiver, the borrowing order receiver, and the matrix generating module, and configured to perform a multi-dimensional matching process using the multi-dimensional matching matrix to generate loans that satisfy constraints of borrowing orders and lending orders.   
     
     
         12 . The apparatus of  claim 11 , wherein the matrix generating module is configured to initialize cells in the multi-dimensional matching matrix to indicate whether there is a potential match between borrowing terms included in the borrowing order and lending terms included in the lending order. 
     
     
         13 . The apparatus of  claim 11 , wherein the generated loans comprise composite loans and portfolio loans. 
     
     
         14 . The apparatus of  claim 13 , wherein the matrix generating module is configured to determine the effective characteristics of each composite loan based on characteristics of a plurality of atomic loans included in the composite loan. 
     
     
         15 . The apparatus of  claim 11 , wherein subsequent to generating the multi-dimensional matching matrix, the matrix generating module is configured to add additional cells to the multi-dimensional matching matrix based on each additional lending order received by the lending order receiver. 
     
     
         16 . The apparatus of  claim 11 , wherein subsequent to generating loans that satisfy the matching constraints of the borrowing order and lending order, the matrix generating module is configured to remove cells from the multi-dimensional matching matrix associated with the borrowing orders and lending orders corresponding to the generated loans. 
     
     
         17 . The apparatus of  claim 11 , wherein the matrix generating module is configured to generate a multi-dimensional matrix having M rows and N columns, wherein:
 each row of the M rows represents a composite loan from multiple lenders to one borrower; and   each column of the N columns represents a portfolio loan from a single lender to multiple borrowers.   
     
     
         18 . The apparatus of  claim 11 , wherein the matcher is configured to generate the loans that satisfy the matching constraints of the borrowing order and lending order based on the multi-dimensional matching matrix by:
 generating a set of multiple possible composite loan combinations that satisfy a particular borrowing order; and   selecting a particular composite loan from the set of multiple possible composite loan combinations based on a utility function.