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    • 2. 发明申请
    • METHODS AND SYSTEMS FOR ORIGINATING AND SCORING A FINANCIAL INSTRUMENT
    • 用于归档和分配财务仪器的方法和系统
    • WO2006076332A2
    • 2006-07-20
    • PCT/US2006/000769
    • 2006-01-11
    • EARN CORPORATIONSHAPIRO, DavidPHILLIPS, StuartHENRY, PeterDUCHESNE, Mark
    • SHAPIRO, DavidPHILLIPS, StuartHENRY, PeterDUCHESNE, Mark
    • G06Q40/00
    • G06Q40/06G06Q40/00G06Q40/02G06Q40/025
    • A financial instrument exchanged between an owner of real estate and a source of capital. A request for a cash payment is received from the owner. The cash payment is disbursed by the source of capital to the owner. The financial instrument is originated from the owner to the source of capital. The cash payment comprises an amount equal t a percentage of a value of the property measured upon the origination of the financial instrument. The financial instrument comprises an obligation of the owner to pay to the source of capital, at a time associated with a triggering event, a single payment in an amount equal to a percentage of a value of the real estate (including any amounts encumbered by any lien and any amounts unencumbered by any lien) measured at the time associated with the triggering event. The amount of the single payment may be less than the amount of the cash payment.
    • 在房地产所有者和资本来源之间交换的金融工具。 业主收到现金付款请求。 现金支付由资本来源支付给业主。 金融工具源于所有者到资本来源。 现金支付金额等于金融工具发行时计量的财产价值的百分比。 金融工具包括业主在与触发事件相关的时间向资本来源支付的义务,单笔付款金额等于房地产价值的百分比(包括由任何金额担保的任​​何金额) 留置权和任何不受任何留置权限制的任何金额)在与触发事件相关的时间度量。 单笔付款的金额可能少于现金支付金额。