PROCESS, SYSTEM, SOFTWARE ARRANGEMENT AND STORAGE MEDIUM CAPABLE OF PROVIDING A MODEL TO DETERMINE A REPAYMENT VALUE ON A FINANCIAL VEHICLE WHICH IS A LOAN AND/OR AN INVESTMENT FOR AN ASSET
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Accused Products
Abstract
A process, system, software arrangement and storage medium are provided for facilitate an ability (or provide a model) to determine a repayment value on a loan and/or an investment for an asset (e.g., using a processing arrangement). In particular, first data associated with at least one of an actual time or an estimated time when the loan remains unpaid is obtained. In addition, second data associated with at least one of a sale price of the asset or a valuation of the asset is obtained at the time the loan/investment is satisfied. Further, the repayment value is determined based on, at least in part, the first data and the second data. In addition, a further process, system, software arrangement and storage medium are provided to establish the conditions for a loan of an asset (e.g., using the processing arrangement). The terms of the loan may be established based on data associated with unmodifiable terms of the loan provided by a borrower of the loan.
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Citations
39 Claims
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1-24. -24. (canceled)
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25. A process for providing a model to determine a repayment value on a financial vehicle which is at least one of a loan or an investment for an asset, using a processing arrangement, comprising:
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a) providing a first variable associated with at least one of an actual time or an estimated time when the financial vehicle remains unpaid;
b) providing a second variable associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) providing the model which is based on, at least in part, the first variable and the second variable. - View Dependent Claims (26, 27, 28)
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29. A process for establishing a model for a financial vehicle which is at least one of a loan and an investment for an asset, using a processing arrangement, comprising:
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a) obtaining first data associated with substantially unmodifiable conditions of the loan provided by a borrower of the financial vehicle;
b) obtaining second data associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) establishing the model based on, at least in part, the first data and the second data. - View Dependent Claims (30, 31, 32)
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33. (canceled)
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34. A storage medium which provides thereon a software arrangement, wherein, when executed on a processing arrangement, the software arrangement is capable of configuring the processing arrangement to establish a model to determine a repayment value on a financial vehicle which is at least one of a loan and an investment for an asset, using the steps comprising:
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a) providing a first variable associated with at least one of an actual time or an estimated time when the loan remains unpaid;
b) providing a second variable associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) providing the model which is based on, at least in part, the first variable and the second variable.
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35. A storage medium which provides thereon a software arrangement, wherein, when executed on a processing arrangement, the software arrangement is capable of configuring the processing arrangement to establish a model for a financial vehicle which is at least one of a loan and an investment for an asset, comprising:
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a) obtaining first data associated with substantially unmodifiable conditions of the loan provided by a borrower of the financial vehicle;
b) obtaining second data associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) establishing the model based on, at least in part, the first data and the second data.
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36. (canceled)
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37. A software arrangement which, when executed on a processing arrangement, is capable of configuring the processing arrangement to provide a model to determine a repayment value on a financial vehicle which is at least one of a loan and an investment for an asset, using the steps comprising:
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a) a first set of instructions which is capable of configuring the processing arrangement to provide a first variable associated with at least one of an actual time or an estimated time when the loan remains unpaid;
b) a second set of instructions which is capable of configuring the processing arrangement to provide a second variable associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) a third set of instructions which is capable of configuring the processing arrangement to provide the model which is based on, at least in part, the first variable and the second variable.
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38. A software arrangement which, when executed on a processing arrangement, is capable of configuring the processing arrangement to establish a model for a financial vehicle which is at least one of a loan and an investment for an asset, comprising:
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a) a first set of instructions which is capable of configuring the processing arrangement to obtain first data associated with substantially unmodifiable conditions of the loan provided by a borrower of the financial vehicle;
b) a second set of instructions which is capable of configuring the processing arrangement to obtain second data associated with at least one of a sale price of the asset or a valuation of the asset at a later point in time; and
c) a third set of instructions which is capable of configuring the processing arrangement to establish the model based on, at least in part, the first data and the second data.
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39. (canceled)
Specification