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1.
公开(公告)号:US07797217B2
公开(公告)日:2010-09-14
申请号:US11564128
申请日:2006-11-28
IPC分类号: G06Q40/00
CPC分类号: G06Q40/06
摘要: A computer system for monitoring and enhancing the collateral security underlying a set of loans is provided, including a system for calculating the unsecured value of the set at any time and for initiating additional collateral enhancement instruments when the unsecured value exceeds a certain limit. The system may include a variety of modules in communication with a relational database for storing data about the loans and system elements. The computer system may also be configured to allocate, manage, and execute the waterfall or cascade of funds between and among the various participants in a financial plan. The invention also includes a structured finance plan and related methods for enhancing the collateral security of a loan obtained for a life insurance or annuity product, and a system and method for managing a portfolio of such loans in order to obtain favorable financing and to facilitate securitization.
摘要翻译: 提供了一个用于监测和增强一系列贷款的抵押担保的计算机系统,包括用于随时计算该组合的无担保价值的系统,以及在无担保价值超过一定限额时启动附加抵押增值工具。 系统可以包括与用于存储关于贷款和系统元件的数据的关系数据库通信的各种模块。 计算机系统还可以被配置为在财务计划中的各参与者之间和之间分配,管理和执行瀑布或级联的资金。 本发明还包括一种结构性融资计划和相关方法,用于增强人寿保险或年金产品获得的贷款的抵押担保,以及管理此类贷款组合的系统和方法,以获得有利的融资并促进证券化 。
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公开(公告)号:US07797214B2
公开(公告)日:2010-09-14
申请号:US10571969
申请日:2005-08-08
IPC分类号: G06Q40/00
CPC分类号: G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/08
摘要: A computer system for monitoring and enhancing the collateral security underlying a set of loans is provided, including a system for calculating the unsecured value of the set at any time and for initialing additional collateral enhancement instruments when the unsecured value exceeds a certain limit. The system may include a variety of modules in communication with a relational database for storing data about the loans and system elements. The computer system may also be configured to allocate, manage, and execute the waterfall or cascade of funds between and among the various participants in a financial plan. The invention also includes a structured finance plan and related methods for enhancing the collateral security of a loan obtained for a life insurance or annuity product, and a system and method for managing a portfolio of such loans in order to obtain favorable financing and to facilitate securitization.
摘要翻译: 提供了一个用于监测和增强一系列贷款的抵押担保的计算机系统,包括用于随时计算该组合的无担保价值的系统,以及在无担保价值超过一定限额时启动附加抵押增值工具。 系统可以包括与用于存储关于贷款和系统元件的数据的关系数据库通信的各种模块。 计算机系统还可以被配置为在财务计划中的各参与者之间和之间分配,管理和执行瀑布或级联的资金。 本发明还包括一种结构性融资计划和相关方法,用于增强人寿保险或年金产品获得的贷款的抵押担保,以及管理此类贷款组合的系统和方法,以获得有利的融资并促进证券化 。
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公开(公告)号:US20070118393A1
公开(公告)日:2007-05-24
申请号:US11564149
申请日:2006-11-28
申请人: Jonathan Rosen , Robert DeWitt , David Metzger , Paul Bush
发明人: Jonathan Rosen , Robert DeWitt , David Metzger , Paul Bush
IPC分类号: G06Q99/00
CPC分类号: G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/08
摘要: A computer system for monitoring and enhancing the collateral security underlying a set of loans is provided, including a system for calculating the unsecured value of the set at any time and for initiating additional collateral enhancement instruments when the unsecured value exceeds a certain limit. The system may include a variety of modules in communication with a relational database for storing data about the loans and system elements. The computer system may also be configured to allocate, manage, and execute the waterfall or cascade of funds between and among the various participants in a financial plan. The invention also includes a structured finance plan and related methods for enhancing the collateral security of a loan obtained for a life insurance or annuity product, and a system and method for managing a portfolio of such loans in order to obtain favorable financing and to facilitate securitization.
摘要翻译: 提供了一个用于监测和增强一系列贷款的抵押担保的计算机系统,包括用于随时计算该组合的无担保价值的系统,以及在无担保价值超过一定限额时启动附加抵押增值工具。 系统可以包括与用于存储关于贷款和系统元件的数据的关系数据库通信的各种模块。 计算机系统还可以被配置为在财务计划中的各参与者之间和之间分配,管理和执行瀑布或级联的资金。 本发明还包括一种结构性融资计划和相关方法,用于增强人寿保险或年金产品获得的贷款的抵押担保,以及管理此类贷款组合的系统和方法,以获得有利的融资并促进证券化 。
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公开(公告)号:US07797218B2
公开(公告)日:2010-09-14
申请号:US11564149
申请日:2006-11-28
IPC分类号: G06Q40/00
CPC分类号: G06Q40/00 , G06Q40/025 , G06Q40/06 , G06Q40/08
摘要: A computer system for monitoring and enhancing the collateral security underlying a set of loans is provided, including a system for calculating the unsecured value of the set at any time and for initiating additional collateral enhancement instruments when the unsecured value exceeds a certain limit. The system may include a variety of modules in communication with a relational database for storing data about the loans and system elements. The computer system may also be configured to allocate, manage, and execute the waterfall or cascade of funds between and among the various participants in a financial plan. The invention also includes a structured finance plan and related methods for enhancing the collateral security of a loan obtained for a life insurance or annuity product, and a system and method for managing a portfolio of such loans in order to obtain favorable financing and to facilitate securitization.
摘要翻译: 提供了一个用于监测和增强一系列贷款的抵押担保的计算机系统,包括用于随时计算该组合的无担保价值的系统,以及在无担保价值超过一定限额时启动附加抵押增值工具。 系统可以包括与用于存储关于贷款和系统元件的数据的关系数据库通信的各种模块。 计算机系统还可以被配置为在财务计划中的各参与者之间和之间分配,管理和执行瀑布或级联的资金。 本发明还包括一种结构性融资计划和相关方法,用于增强人寿保险或年金产品获得的贷款的抵押担保,以及管理此类贷款组合的系统和方法,以获得有利的融资并促进证券化 。
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5.
公开(公告)号:US20080126267A1
公开(公告)日:2008-05-29
申请号:US11564128
申请日:2006-11-28
IPC分类号: G06Q40/00
CPC分类号: G06Q40/06
摘要: A computer system for monitoring and enhancing the collateral security underlying a set of loans is provided, including a system for calculating the unsecured value of the set at any time and for initiating additional collateral enhancement instruments when the unsecured value exceeds a certain limit. The system may include a variety of modules in communication with a relational database for storing data about the loans and system elements. The computer system may also be configured to allocate, manage, and execute the waterfall or cascade of funds between and among the various participants in a financial plan. The invention also includes a structured finance plan and related methods for enhancing the collateral security of a loan obtained for a life insurance or annuity product, and a system and method for managing a portfolio of such loans in order to obtain favorable financing and to facilitate securitization.
摘要翻译: 提供了一个用于监测和增强一系列贷款的抵押担保的计算机系统,包括用于随时计算该组合的无担保价值的系统,以及在无担保价值超过一定限额时启动附加抵押增值工具。 系统可以包括与用于存储关于贷款和系统元件的数据的关系数据库通信的各种模块。 计算机系统还可以被配置为在财务计划中的各参与者之间和之间分配,管理和执行瀑布或级联的资金。 本发明还包括一种结构性融资计划和相关方法,用于增强人寿保险或年金产品获得的贷款的抵押担保,以及管理此类贷款组合的系统和方法,以获得有利的融资并促进证券化 。
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