THE METHOD OF IMPLEMENTATION OF ONLINE ELECTRONIC TRANSACTIONS FOR PROVIDING FINANCIAL SERVICES AND AUTOMATED ONLINE SYSTEM FOR ITS IMPLEMENTATION

摘要

The invention relates to methods for carrying out electronic trading and auctions, and in particular to online tools for concluding financial transactions. An automated online system and method for providing online financial services includes registering, by means of a processor, participants in the system, who are divided according to their status at least into the categories of banks and investors, authorizing said participants and providing access to an online trading platform in accordance with their status within the system, collecting and collating information about deposit offers from banks, including interest rates and terms of acceptance, wherein information is received from a bank which includes a regular interest rate proposal open to all users, and concealed information which is not displayed on the output devices of the trading platform and which contains a maximum acceptable interest rate above the interest rate of the regular proposal; at the step of an investor selecting an offer from a bank, a counter-proposal is received from the investor via an electronic trading and financial platform (ETFP) interface, containing interest rate-related information from the investor, said information including at least an interest rate suggested by the investor and the amount and duration of the deposit; the financial cost of implementing the investor's offer is calculated automatically in accordance with their proposed interest rate and the deposit amount; funds are deposited on the investor's bank card in favour of the trading platform, and the processor of the service part of the ETFP carries out an automated comparison of the investor's interest rate proposals and the bank's terms of acceptance with respect to the deposit amount and proposed interest rate of the investor, taking into account the maximum acceptable interest rate and the regular interest rate proposal set by the bank.