METHOD FOR MODIFYING THE TERMS OF A FINANCIAL INSTRUMENT
First Claim
1. A method for modifying the terms of a financial instrument, said method comprising the steps of:
- obtaining organization data, wherein said organization data is selected from the group consisting of political data, social data, technological data, legal data, environmental data, charitable data, policy data, regulatory data, and combinations thereof;
obtaining weighting factors;
transforming said organization data by said weighting factors via a computer to obtain an indicator; and
relating said terms of said financial instrument to said indicator, wherein said terms are determined from said indicator.
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Abstract
A method for modifying the terms of a financial instrument comprising the steps of obtaining organization data, obtaining weighting factors, transforming the organization data by the weighting factors via a computer to obtain an indicator and relating the terms of the financial instrument to the indicator, wherein the terms are determined from the indicator. The organization data is representative of political, economic, social, technological, legal, environmental, charitable, policy, financial and/or regulatory data. Weighting factors are obtained and quantified from perception polls, surveys, questionnaires, pick lists, votes, opinion polls and/or individual opinions. The organization data is then transformed by the weighting factors to obtain a indicator, wherein the indicator is the basis for obtaining the financial instrument or modifying the terms of the financial instrument.
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Citations
63 Claims
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1. A method for modifying the terms of a financial instrument, said method comprising the steps of:
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obtaining organization data, wherein said organization data is selected from the group consisting of political data, social data, technological data, legal data, environmental data, charitable data, policy data, regulatory data, and combinations thereof; obtaining weighting factors; transforming said organization data by said weighting factors via a computer to obtain an indicator; and relating said terms of said financial instrument to said indicator, wherein said terms are determined from said indicator. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A method for utilizing an indicator to modify the terms of a financial instrument, said method comprising the steps of:
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obtaining said indicator, wherein said indicator is based on data selected from the group consisting of non-economic industry data, location data, non-economic organization data, and combinations thereof; and utilizing said indicator to determine at least one term of said financial instrument. - View Dependent Claims (34, 35, 36, 37, 38, 39)
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40. A method for determining settlement terms of a financial instrument based on an indicator, said method comprising the steps of:
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processing a request for indebtedness from a borrower; calculating said indicator from data selected from the group consisting of political data, social data, legal data, technological data, environmental data, questions posed to an online community, questions posed to an organization, questions posed to a third party, and combinations thereof; assigning a time expiration for revaluation of said financial instrument, wherein said terms according to said indicator are adjusted at said time expiration; generating a new indicator at said time expiration; and utilizing said new indicator to revise said terms of said financial instrument upon said time expiration.
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- 41. A method of calculating an indicator based on PESTLE variables, wherein said PESTLE variables are selected from the group consisting of political data, social data, technological data, legal data, environmental data, and combinations thereof.
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43. A method of generating an indicator to determine at least one term of a financial instrument, said method comprising the steps of:
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obtaining organization data, wherein said organization data comprises PESTLE data; obtaining sentiment data, wherein said sentiment data comprises PESTLE data; and weighting said PESTLE data, wherein said PESTLE data is weighted by a voting community.
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44. A method of utilizing an indicator to modify at least one term of a financial instrument, said method comprising the steps of:
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obtaining computer-generated data, wherein said data is representative of at least one PESTLE variable selected from the group consisting of political data, social data, legal data, technological data, environmental data, and combinations thereof; obtaining weighting factors for said data; weighting said data by said weighting factors to obtain said indicator; and modifying said at least one term of said financial instrument based on said indicator. - View Dependent Claims (45, 46, 47)
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- 48. A method for utilizing an indicator for a financial instrument, wherein a change in said indicator is based on data representative or at least one PESTLE variable selected from the group consisting of political data, social data, legal data, technological data, environmental data, and combinations thereof, and wherein said change triggers modification of at least one term of said financial instrument.
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52. A method of utilizing an indicator and a future indicator to modify a financial instrument, said method comprising the steps of:
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obtaining at least one data component from a third party wherein said at least one data component comprises at least one non-economic PESTLE variable; attaching a weight to said at least one non-economic PESTLE variable; calculating said indicator from said at least one non-economic PESTLE variable; calculating said future indicator from said at least one non-economic PESTLE variable; and comparing said indicator and said future indicator to modify at least one term of said financial instrument. - View Dependent Claims (53)
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54. A method of constructing a financial instrument, said method comprising the steps of:
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generating an indicator for an organization, wherein said indicator is based on non-economic PESTLE factors; setting a time expiration; reevaluating said indicator during and up to said time expiration; and generating an updated indicator at said time expiration, wherein said updated indicator is the basis for modification of at least one term of said financial instrument, and wherein said updated indicator is based on performance of said organization. - View Dependent Claims (55, 56)
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57. A method of determining settlement terms of a financial instrument, said method comprising the steps of:
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generating a baseline indicator for an organization, wherein said baseline is representative of at least one PESTLE variable selected from the group consisting of political data, social data, legal data, technological data, environmental data, and combinations thereof; determining a time expiration related to said financial instrument; determining a target indicator for said organization to achieve by said time expiration, wherein said target indicator is representative of at least one PESTLE variable selected from the group consisting of political data, social data, legal data, technological data, environmental data, and combinations thereof; reevaluating said indicator at scheduled intervals; and attaching an incremental value to said indicator at said scheduled intervals.
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58. A method for creating a baseline for a financial instrument via a computer network, said method comprising the steps of:
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obtaining sentiment data, wherein said sentiment data is obtained from voting and polling an online community; and weighting said sentiment data to create said baseline.
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59. The method of 58, wherein said financial instrument is selected from the group consisting of a bond, a note, a debenture, a credit facility, a loan, a barter, a fund, a transfer of capital with the expectation of return, and combinations thereof.
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60. A method of determining at least one term of a financial instrument, said method comprising the steps of:
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processing an indicator, wherein said indicator is representative of PESTLE data, and wherein said PESTLE data is selected from the group consisting of political data, social data, environmental data, technological data, legal data, and combinations thereof; and determining terms of said financial instrument from said indicator. - View Dependent Claims (61, 62)
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63. A method of determining the terms of a financial instrument by computing an indicator, said method comprising the steps of:
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gathering responses from an on-line community, wherein said responses are representative of PESTLE data, and wherein said PESTLE data is selected from the group consisting of political data, social data, environmental data, technological data, legal data, and combinations thereof; transforming said responses into said indicator; and determining said terms of said financial instrument from said indicator.
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Specification