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Systems and methods for determining the value of assets

  • US 7,340,431 B1
  • Filed: 12/30/2002
  • Issued: 03/04/2008
  • Est. Priority Date: 07/30/2001
  • Status: Expired due to Term
First Claim
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1. A method of analyzing an asset using a processor comprising:

  • (a) using a computer to compute a distribution for a characteristic of a set of assets;

    (b) setting a range defining an outlier in the distribution;

    (c) partitioning the range into at least one partition;

    (d) assigning to each partition a multiplier representing how the characteristic affects a risk associated with an asset, wherein the risk associated with the asset is selected from the group consisting of default risk, severity, and prepayment;

    (e) determining whether a characteristic of a subject asset falls within the range set within the distribution for the corresponding characteristic;

    (f) assigning the multiplier corresponding to the partition on which the characteristic of the subject asset falls; and

    (g) outputting the multiplier to a user for use in making a business decision.

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