SYSTEMS AND METHODS FOR OBJECTIVE FINANCING OF ASSETS

• US 20110138318A1
• Filed: 12/20/2010
• Published: 06/09/2011
• Est. Priority Date: 07/02/2004
• Status: Abandoned Application

• Current Assignee: Capital Tool Co.
• Original Assignee: Capital Tool Co.
• Inventors: Grimberg, Robertus
• Application Number:
  US12/972,957
• Publication Number:
  US 20110138318A1
• Time in Patent Office: Days
• US Class Current: 715/780
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

Systems, methods, and computer program products consistent with the principles of the present invention provide an infrastructure for asset owners to obtain financing arrangements from a multitude of liability providers in near real time and objectively.

Claims

1-42. -42. (canceled)

43. A method performed by a processor for financing at least one pool of assets within a portfolio using at least one liability instrument, comprising:

creating a sell option for the pool of assets, the sell option comprising a set of assets that may be added to the pool of assets in the portfolio;

determining a set of possible funding options for the sell option, wherein each possible funding option comprises at least one liability instrument;

facilitating deal making between a holder of the pool of assets and at least one provider of the at least one liability instrument, wherein facilitating deal making includes selecting a funding option from the set of possible funding options wherein all required liability instruments are committed; and

executing a deal comprising the sell option and the selected funding option with the committed liability instruments, whereby the set of assets of the sell option are added to the pool of assets.

44. The method of claim 43, wherein facilitating deal making comprises:

selecting a method of sale for the at least one liability instrument of a funding option;

offering the at least one liability instrument to an investor according to the method of sale selected;

locking a committed liability instrument in the amount required for the funding option;

discovering whether prices match a target price set by a treasurer and a target price set by a liability provider;

determining when all required liability instruments and the sell option are committed at a matching price;

closing the deal and initiating execution;

removing other funding options from the set of possible funding options offered for the same sell option; and

removing other sell options for the same pool of assets containing the same asset as the executed sell option.

45. The method of claim 44, further comprising:

changing a terms in the language of the liability instrument;

updating locking based on the changed terms;

discovering whether a funding option exists under the changed terms wherein all liability instruments are committed;

calculating a needed terms change to make a deal for each sell option provider and liability provider, if a funding option does not exist wherein all liability instruments are committed;

updating an assessment of exposure to a user; and

presenting the assessment to the user.

46. The method of claim 44, wherein the liability instruments of funding options of multiple sell options are aggregated and executed together when at least one liability provider commits to the liability instruments.

47. The method of claim 44, wherein commitments from multiple liability providers in at least one liability instrument are used for executing at least one sell option-funding option combination.

48. The method of claim 43, further comprising:

offering a combination of the sell option and a funding option at a price set by a treasurer;

wherein the price expires after a set period of time.

49. The method of claim 43, further comprising:

offering each funding option at the latest market pricing for the liability instruments;

informing each liability provider regarding a potential change in terms for a sell option that would result in a deal; and

changing, by a user, the terms for at least one of;

the liability instrument and the sell option.

50. The method of claim 49, wherein the terms are pricing terms.

51. A method for obtaining asset data, comprising:

providing, to a user, an interface for inputting data regarding one or more assets and changes to the data regarding the one or more assets;

providing, to a user, an interface to identify the data and its status from among an official data set;

freezing the data input by the user such that said changes can no longer be made by the user;

confirming the information in the data input by the user using a physical check; and

allowing the user to use a resource if the data input by the user is confirmed to be accurate for the one or more assets or a subset of the one or more assets.

52. The method of claim 51, wherein confirming the information further comprises:

over sampling suspicious data in the one or more assets or the subset of the one or more assets.

53. The method of claim 51, wherein freezing the data input by the user comprises:

determining when to freeze the data based on weighted conditions comprising;

changes in the data, unusual changes in the data, and data that differs substantially from the official data set since a previous freeze; and

triggering a new freeze audit sequence.

54. The method of claim 51, wherein a user may add changes to data after freezing, and wherein the changes are used in ongoing assessments.

55. The method of claim 51, wherein the step of providing, to a user, an interface to identify the data further comprises:

complementing the data input by the user with data from an official data set based on the identification made;

penalizing the user for misidentifying the data; and

penalizing the user for data that cannot be complemented.