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1. 发明授权

US08452700B2 Systems and methods for implementing an interest-bearing instrument 有权
标题翻译：用于实施兴趣工具的系统和方法
公开(公告)号：US08452700B2
公开(公告)日：2013-05-28
申请号：US12768548
申请日：2010-04-27
申请人： Roger Howard Williams, III
发明人： Roger Howard Williams, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Systems and methods are provided that allow a financial instrument to be structured so that the underlying borrowed principal is callable, putable, or both. In one example, a Range Accrual Mortgage is structured so that the underlying borrowed principal is a mortgage that is callable, putable, or both by embedding into the loan structure a rate put option, and by permitting correlative adjustments to the outstanding loan principal. The invention lends symmetry to the interest rate behavior of certain borrowings by making explicit the pricing and market value of options that were previously only implicit in the borrowing structure. For example, a mortgage in accordance with the invention should provide incentives for either the homeowner or the bank to refinance the mortgage and should do so whether interest rates rise or fall, and no matter what path interest rates follow from the inception of the instrument until its maturity.
摘要翻译：提供了允许金融工具结构化的系统和方法，以使基础借款的本金人可以被调用，推定，或两者兼有。在一个例子中，范围应计抵押的结构使得潜在借款本金是通过将贷款结构嵌入到期权投资期权中，并且允许对未偿还贷款本金进行相关调整的可调用，可推定或两者抵押。本发明通过明确先前仅在借款结构中隐含的期权的定价和市场价值，使某些借款的利率行为对称。例如，根据本发明的抵押贷款应为房主或银行提供激励措施来再融资抵押贷款，不论利率是涨还是下降，无论利率何时从仪器开始到现在为止它的成熟度。

2. 发明申请

US20100299244A1 SYSTEMS AND METHODS FOR IMPLEMENTING AN INTEREST-BEARING INSTRUMENT 有权
标题翻译：用于实施活塞式仪器的系统和方法
公开(公告)号：US20100299244A1
公开(公告)日：2010-11-25
申请号：US12768548
申请日：2010-04-27
申请人： Roger Howard Williams, III
发明人： Roger Howard Williams, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Systems and methods are provided that allow a financial instrument to be structured so that the underlying borrowed principal is callable, putable, or both. In a preferred embodiment, a Range Accrual Mortgage is structured so that the underlying borrowed principal is a mortgage that is callable, putable, or both by embedding into the loan structure a rate put option. Systems and methods according to the invention lend symmetry to the interest rate behavior of certain borrowings by making explicit the pricing and market value of options that were previously only implicit in the borrowing structure. For example, a mortgage in accordance with the invention should provide incentives for either the homeowner or the bank to refinance the mortgage and should do so whether interest rates rise or fall, and no matter what path interest rates follow from the inception of the instrument until the maturity of the instrument. The invention achieves the desired advantages, in part, by extending the characteristics of a borrowing via the addition of a rate put option on an interest rate and, in part, by permitting correlative adjustments to the outstanding loan principal.
摘要翻译：提供了允许金融工具结构化的系统和方法，以使基础借款的本金人可以被调用，推定，或两者兼有。在优选实施例中，范围应计抵押的结构使得潜在的借款本金是通过将贷款结构嵌入到期权中的可调用，可推定或两者的抵押。根据本发明的系统和方法通过明确地在借款结构中仅隐含的期权的定价和市场价值，使某些借款的利率行为对称。例如，根据本发明的抵押贷款应为房主或银行提供激励措施来再融资抵押贷款，不论利率是涨还是下降，无论利率何时从仪器开始到现在为止。仪器的成熟度。本发明部分地通过增加借款利率的利率来扩大借款的特征，部分原因在于允许对未偿还贷款本金的相关调整。

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