System for managing the total risk exposure for a portfolio of loans
    1.
    发明授权
    System for managing the total risk exposure for a portfolio of loans 有权
    用于管理贷款组合的总体风险敞口的系统

    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 。

    Method of compensating an employee
    2.
    发明授权
    Method of compensating an employee 有权
    补偿雇员的方法

    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

    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 。

    SYSTEM FOR MANAGING THE TOTAL RISK EXPOSURE FOR A PORTFOLIO OF LOANS
    3.
    发明申请
    SYSTEM FOR MANAGING THE TOTAL RISK EXPOSURE FOR A PORTFOLIO OF LOANS 有权
    管理贷款组合的总风险暴露系统

    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 。

    Financing and securitization structure for a portfolio of loans
    4.
    发明授权
    Financing and securitization structure for a portfolio of loans 有权
    贷款组合的融资和证券化结构

    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

    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 。

    Computer System for Actively Monitoring and Enhancing the Collateral Security for a Portfolio of Loans to Facilitating Financing and Securitization
    5.
    发明申请
    Computer System for Actively Monitoring and Enhancing the Collateral Security for a Portfolio of Loans to Facilitating Financing and Securitization 有权
    计算机系统积极监测和加强贷款组合的担保安全,促进融资和证券化

    公开(公告)号:US20080249809A1

    公开(公告)日:2008-10-09

    申请号:US10571969

    申请日:2005-08-08

    IPC分类号: G06Q40/00

    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 。