Process and system for optimizing one of uploading and downloading of at least one file through at least one lender in multiplexed gateway architecture. The process includes identifying available lenders coupled to a multiplexed gateway within a vicinity of a borrower, selecting an optimization criterion,...http://www.google.de/patents/US7860081?utm_source=gb-gplus-sharePatent US7860081 - Optimization process and system for multiplexed gateway architecture