Microfinance funds aggregation for a retail investor

Abstract

A computer-implemented system and method supporting aggregation for clients are disclosed. A particular example embodiment includes selecting listings for clients based on profiles; causing display of the listings at the clients; receiving, from at least some of the clients, authorization to aggregate resources; aggregating the authorized resources; and providing the aggregated resources to another party.

What is claimed is: 
     
         1 . A method comprising:
 accessing, by a first server, profiles of a set of accounts, each account of the set of accounts having a corresponding client system;   selecting a listing for presentation on a plurality of the client systems based on the profiles of the corresponding accounts;   causing the listing to be presented at the plurality of the client systems, the presentation of the listing including details of an organization to receive funding;   receiving, from a first client system of the plurality of the client systems, authorization for transfer of funds from the corresponding account to an issuer account, the authorization including a selection of an authorized payment source not associated with the corresponding account;   based on the authorized payment source not being associated with the corresponding account, causing a user interface to be presented at the first client system operable to receive details regarding the authorized payment source;   associating the authorized payment source with the corresponding account;   authorizing a second server to transfer the authorized funds from the authorized account, via the authorized payment source, to the issuer account;   receiving, from the second server, a notification indicating that a loan has been made to the organization, the loan being funded from the authorized funds; and   facilitating, by the first server, payment of loan interest from the issuer account to the authorized account.   
     
     
         2 . The method of  claim 1 , further comprising:
 providing, to a third server, periodic reports of fund transfers and completed investments.   
     
     
         3 . The method of  claim 2 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 receiving, from the third server, authorization of interest payments to the authorized account.   
     
     
         4 . The method of  claim 1 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 creating an interest payment schedule for the authorized account.   
     
     
         5 . The method of  claim 1 , further comprising:
 after the receiving of the notification from the second server indicating that the loan has been made to the organization, sending confirmation of payment to the first client system.   
     
     
         6 . The method of  claim 2 , wherein the second server is for a financial and the third server is for a security issuer. 
     
     
         7 . The method of  claim 1 , wherein the selecting of the listing for presentation on the plurality of the client systems based on the profiles of the corresponding accounts comprises:
 selecting the listing for presentation on the plurality of the client systems based on past investment behavior identified from the profiles of the corresponding accounts.   
     
     
         8 . A system comprising:
 a memory having instructions embodied thereon;   a processor configured by the instructions to perform operations comprising:
 accessing profiles of a set of accounts, each account of the set of accounts having a corresponding client system; 
 selecting a listing for presentation on a plurality of the client systems based on the profiles of the corresponding accounts; 
 causing the listing to be presented at the plurality of the client systems, the presentation of the listing including details of an organization to receive funding; 
 receiving, from a first client system of the plurality of the client systems, authorization for transfer of funds from the corresponding account to an issuer account, the authorization including a selection of an authorized payment source not associated with the corresponding account; 
 based on the authorized payment source not being associated with the corresponding account, causing a user interface to be presented at the first client system operable to receive details regarding the authorized payment source; 
 associating the authorized payment source with the corresponding account; 
 authorizing a server to transfer the authorized funds from the authorized account, via the authorized payment source, to the issuer account; 
 receiving, from the server, a notification indicating that a loan has been made to the organization, the loan being funded from the authorized funds; and 
 facilitating payment of loan interest from the issuer account to the authorized account. 
   
     
     
         9 . The system of  claim 8 , wherein the operations further comprise:
 providing, to a third server, periodic reports of fund transfers and completed investments.   
     
     
         10 . The system of  claim 9 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 receiving, from the third server, authorization of interest payments to the authorized account.   
     
     
         11 . The system of  claim 8 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 creating an interest payment schedule for the authorized account.   
     
     
         12 . The system of  claim 8 , wherein the operations further comprise:
 after the receiving of the notification from the second server indicating that the loan has been made to the organization, sending confirmation of payment to the first client system.   
     
     
         13 . The system of  claim 9 , wherein the second server is for a financial site and the third server is for a security issuer. 
     
     
         14 . The system of  claim 8 , wherein the selecting of the listing for presentation on the plurality of the client systems based on the profiles of the corresponding accounts comprises:
 selecting the listing for presentation on the plurality of the client systems based on past investment behavior identified from the profiles of the corresponding accounts.   
     
     
         15 . A non-transitory machine-readable medium having instructions embodied thereon, which, when executed by one or more processors of a machine, cause the machine to perform operations comprising:
 accessing profiles of a set of accounts, each account of the set of accounts having a corresponding client system;   selecting a listing for presentation on a plurality of the client systems based on the profiles of the corresponding accounts;   causing the listing to be presented at the plurality of the client systems, the presentation of the listing including details of an organization to receive funding;   receiving, from a first client system of the plurality of the client systems, authorization for transfer of funds from the corresponding account to an issuer account, the authorization including a selection of an authorized payment source not associated with the corresponding account;   based on the authorized payment source not being associated with the corresponding account, causing a user interface to be presented at the first client system operable to receive details regarding the authorized payment source;   associating the authorized payment source with the corresponding account;   authorizing a server to transfer the authorized funds from the authorized account, via the authorized payment source, to the issuer account;   receiving, from the server, a notification indicating that a loan has been made to the organization, the loan being funded from the authorized funds; and   facilitating payment of loan interest from the issuer account to the authorized account.   
     
     
         16 . The non-transitory machine-readable medium of  claim 15 , wherein the operations further comprise:
 providing, to a third server, periodic reports of fund transfers and completed investments.   
     
     
         17 . The non-transitory machine-readable medium of  claim 16 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 receiving, from the third server, authorization of interest payments to the authorized account.   
     
     
         18 . The non-transitory machine-readable medium of  claim 15 , wherein the facilitating, by the first server, of the payment of loan interest from the issuer account to the authorized account comprises:
 creating an interest payment schedule for the authorized account.   
     
     
         19 . The non-transitory machine-readable medium of  claim 15 , wherein the operations further comprise:
 after the receiving of the notification from the second server indicating that the loan has been made to the organization, sending confirmation of payment to the first client system.   
     
     
         20 . The non-transitory machine-readable medium of  claim 16 , wherein the second server is for a financial site and the third server is for a security issuer.