Microfinance funds aggregation for a retail investor

1. A method comprising:

providing, by use of a processor, a list of available securities offered for sale by a security issuer to a host site;

providing the list of available securities at an investor site via an interface, the interface enabling an investor to select a security from the list of available securities for purchase;

generating a purchase request in response to the investor selecting the security from the list of available securities on the investor site;

receiving the purchase request at the host site from the investor site, the purchase request including information identifying the security selected by the investor;

facilitating, by use of the processor, payment for the security included in the purchase request via a financial site;

receiving, by use of the processor, confirmation of payment for the security; and

sending confirmation of payment for the security to the investor site.

2. The method as claimed in claim 1 wherein the financial site is a PayPal site.

3. The method as claimed in claim 1 wherein the financial site is an ACH site.

4. The method as claimed in claim 1 including enabling the investor to create and use a personal account on the host site.

5. The method as claimed in claim 1 including enabling the host site to facilitate payment of interest on a purchased security to an investor.

6. The method as claimed in claim 1 further including:

enabling an investor to log in at the host site;

enabling an investor to select an available security for sale; and

enabling an investor to initiate a security purchase transaction.

7. A method comprising:

providing, by use of a processor, a list of available securities offered for sale by a security issuer to a host site;

providing the list of available securities at an investor site via an interface, the interface enabling an investor to select a security from the list of available securities for purchase thereby causing generation of a purchase request for the security at the investor site;

facilitating, by use of the processor, purchase of the security by the investor via a financial site;

aggregating investor funds from a plurality of purchased securities into a microfi nance loan package by the security issuer;

receiving a loan request for a loan at a lender site from a borrower, the loan being funded by the microfinance loan package;

providing, by use of a processor, the loan to the borrower at the lender site;

receiving payments on the loan; and

facilitating, by use of the processor, payment of loan interest to the security issuer.

8. The method as claimed in claim 7 wherein the loan is funded by investor finds paid by retail investors.

9. An article of manufacture comprising a non-transitory machine readable storage medium having machine executable instructions embedded thereon, which when executed by a machine, cause the machine to:

provide a list of available securities offered for sale by a security issuer to a host site

provide the list of available securities at an investor site via an interface, the interface enabling an investor to select a security from the list of available securities for purchase;

generate a purchase request in response to the investor selecting the security from the list of available securities on the investor site;

receive the purchase request at the host site from the investor site, the purchase request including information identifying the security selected the investor;

facilitate payment for the security included in the purchase request via a financial site;

receive confirmation of payment for the security; and

send confirmation of payment for the security to the investor site.

10. The article of manufacture as claimed in claim 9 wherein the financial site is a PayPal site.

11. The article of manufacture as claimed in claim 9 wherein the financial site is an ACH site.

12. The article of manufacture as claimed in claim 9 being further operable to enable the investor to create and use a personal account on the host site.

13. The article of manufacture as claimed in claim 9 being further operable to enable the host site to facilitate payment of interest on a purchased security to an investor.

14. The article of manufacture as claimed in claim 9 being further operable to:

enable an investor to log in at the host site;

enable an investor to select an available security for sale; and

enable an investor to initiate a security purchase transaction.

15. An article of manufacture comprising a non-transitory machine readable storage medium having machine executable instructions embedded thereon, which when executed by a machine, cause the machine to:

provide a list of available securities offered for sale by a security issuer to a host site;

provide the list of available securities at an investor site via an interface, the interface enabling an investor to select a security from the list of available securities for purchase thereby causing generation of a purchase request for the security at the investor site;

facilitate purchase of the security by the investor via a financial site;

aggregate investor funds from a plurality of purchased securities into a microfinance loan package by the security issuer;

receive a loan request for a loan at a lender site from a borrower,the loan being funded by the microfinance loan package;

provide the loan to the borrower at the lender site;

receive payments on the loan; and

facilitate payment of loan interest to the security issuer.

16. The article of manufacture as claimed in claim 15 wherein the loan is funded by investor funds paid by retail investors.

17. A system comprising:

a processor;

a memory coupled to the processor to store infromation related to an investor; and

an investment processor operably coupled with the processor and the memory, operable to provide a list of available securities offered for sale by a security issuer to a host site;

to provide the list of available securities at an investor site via an interface, and the interface enabling the investor to select a security from the list of available securities for purchase thereby causing generation of a purchase request for the security at an investor site;

to facilitate purchase of the security by the investor via a financial site;

to aggregate investor funds from a plurality of purchased securities into a microfinance loan package by a security issuer;

to receive a loan request for a loan at a lender site from a borrower, the loan being funded by investor funds used to purchase a security issued by a security issuer;

to provide the loan to the borrower at the lender site;

to receive payments on the loan; and

to facilitate payment of loan interest to the security issuer.

18. The system as claimed in claim 17 being further operable to enable the investor to create and use a personal account on the host site.

19. The system as claimed in claim 17 being further operable to enable the host site to facilitate payment of interest on a purchased security to an investor.