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    • 18. 发明授权
    • Method and apparatus for establishing and enhancing the creditworthiness of intellectual property
    • 建立和提高知识产权信誉的方法和手段
    • US06330547B1
    • 2001-12-11
    • US09324871
    • 1999-06-02
    • David E. Martin
    • David E. Martin
    • G06F1700
    • G06Q40/08G06Q40/025
    • A method and apparatus for deciding whether to make a loan using an intangible asset, such as intellectual property, as collateral and for making such a loan more attractive to a lender. The method requires that an assessment of the transferability and viability of the asset be made to determine if the asset and loan applicant meet minimum qualifying criteria. If they do, a more detailed analysis is undertaken in which judgments are reached concerning various factors related to historical, comparative and prospective market behavior in market sectors identical with, as well as parallel and corollary to the primary market sector for the asset sought to be used as loan collateral. The analysis leads to calculation of an asset liquidation value and production of a correlated depreciation schedule which are both presented to the prospective lender. A third party then contracts with the lender to pay the asset liquidation value to the lender, adjusted for depreciation over time, in the event that the loan applicant defaults on the loan. This arrangement reduces the lender's risk of loss thereby making the loan more attractive. A computer-based apparatus for carrying out the method is also disclosed.
    • 决定是否使用无形资产(如知识产权)作为抵押品以及使贷款对贷款人更有吸引力的方法和手段。 该方法要求对资产的可转让性和可行性进行评估,以确定资产和贷款申请人是否符合最低资格标准。 如果这样做,就会进行更详细的分析,就与市场行业中的历史,比较和前瞻性市场行为有关的各种因素进行判断,这些因素与初级市场部门的资产相似,并且与该市场行业的平行和必然结果一致 用作贷款抵押品。 分析结果表明,资产清算价值的计算和相关折旧计划的生产都提交给潜在贷方。 第三方然后与贷款人签订合同,向贷款人支付资产清算价值,如果贷款申请人违约贷款,则按照时间进行折旧调整。 这种安排减少了贷款人的损失风险,从而使贷款更有吸引力。 还公开了一种用于执行该方法的基于计算机的装置。