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    • 1. 发明授权
    • Collaterally secured debt obligation and method of creating same
    • 抵押担保债务及其创造方法
    • US06460021B1
    • 2002-10-01
    • US09438433
    • 1999-11-12
    • William E. Kirksey
    • William E. Kirksey
    • G06F1760
    • G06Q40/08G06Q40/00G06Q40/025
    • A debt obligation issued to a holder by an entity which obligation is backed by a group of property owners, each owning an individual property, where the entity obtains from each owner cross-collateralized lien and loan agreements in which the owners promise to pay his or her periodic payments to the entity and to pay, if defaults occur, each and every other owner's periodic payments. The method of creating and servicing such obligation includes use of calculating equipment. The system includes pre-organization effort to assemble a peer lending group of potential property owners and causing the entity to purchase the homes at a below-market price using temporary financing which is later consolidated in bond financing.
    • 由实体发给持有人的债务,该义务由拥有单一财产的一组财产所有者支持,该实体从每个所有者获得交叉抵押的留置权和贷款协议,业主承诺支付他或 她定期向实体支付款项,如果发生违约,则支付每个其他所有者的定期付款。 创建和服务此类义务的方法包括使用计算设备。 该系统包括组织前期组织的潜在业主同业借贷集团的努力,并使该实体以低于市场价格的房屋购买房屋,使用后期融入债券融资的临时融资。