US 2012/0239593 A1Published application

Financial system and method

AssigneeHolzhausen Pty Ltd

InventorJohn von der Borch

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Abstract

The present invention relates to a data processing method and system for predicting income derived from an anticipated future benefit (Horizon Gain), wherein the system comprises: (a) registration means for registering a borrower in a first database and for registering characteristics a lender in a second database; (b) first automated means for inputting values to a first database; (c) automated means for generating databases as necessary populated with values for one or more selected future time divisions for the borrower's asset over one or more AD's before optimisation, the values being calculated according to a predetermined formulae; (d) visual display means to represent predicted income derived from the anticipated future benefit; (e) automated means for responding to a redemption event by determining the value of a payment to the lender that is the greater of (i) an agreed proportion of appreciation of the asset (HGAV), or (ii) qualifying outgoings (QO).

Claims31

Dependent claims

An automated method in a data processing system for predicting income derived from an anticipated future benefit (Horizon Gain), the method comprising the following steps:

(a) inputting to user fields in a first database, the following values:
(i) an initial value for an asset owned by a borrower, wherein the asset may increase or decrease in value over time,
(ii) a Horizon Gain Allocation percentage, expressed in favour of a lender,
(iii) the lender's target return value,
(iv) a gearing factor, wherein the system to forecast a potential growth in asset value and therefore a Horizon Gain Allocation Value (HGAV) for any future time interval, for the gearing factor entered, and
(v) a value representing the number and size of Asset Divisions (AD),
(b) generating one or more databases populated with values for one or more selected future time divisions for the borrower's asset over one or more AD's before optimisation, the values being as follows and calculated according to the following formulae:
(i) an agreed periodic payment from the lender to the borrower based on an ongoing principal value (IP) calculated according to:
TB0×HGAi×R×MRCc0=IP equation (1),
wherein
MRCc0 is a mandatory redemption criteria coefficient,
R is a coefficient chosen to optimize IP based on nominated lender and borrower returns at year n and borrower selected variables,
HGAi is a horizon gain allocation proportion at time=i expressed in favour of the lender, and
TB0 is the transaction base calculated from the asset value according to:
ADV0−(M)TC0−(P)LS0=TB0 equation (2),
wherein
TC0 comprises transaction costs,
M is a coefficient chosen to weight the significance in value of TC0,
P is a coefficient chosen to weight the significance in value of LS0,
LS0 comprises any lump sum payment including any premium loading made by the lender, and
ADV0 is the asset division value calculated from the equation,
AV0×ADP=ADV0 equation (3),
wherein
ADP is the asset division proportion input by a user, and
AV0 is the whole of asset value,
and
(ii) an amount payable to a lender upon occurrence of a redemption event, calculated by selecting the greater of:
an agreed proportion of appreciation of the asset (HGAV), or
qualifying outgoings (QO),
wherein the value of QO and HGAV is first adjusted by multiplication with a coefficient calculated or selected in relation to borrower or lender criteria;
and
(c) creating a visual display based on the values in the database or databases to represent predicted income derived from the anticipated future benefit.

29 more elements

A computer system for predicting income derived from an anticipated future benefit (Horizon Gain), wherein the system comprises:

(a) first registration means for registering characteristics associated with a borrower in a first database;
(b) second registration means for registering characteristics associated with a lender in a second database;
(c) first automated means including user fields for inputting the following values to a first database;
(i) an initial value for an asset owned by a borrower, wherein the asset may increase or decrease in value over time,
(ii) a Horizon Gain Allocation percentage, expressed in favour of a lender,
(iii) the lender's target return value,
(iv) a gearing factor, wherein the system to forecast a potential growth in asset value and therefore a Horizon Gain Allocation Value (HGAV) for any future time interval, for the gearing factor entered, and
(v) a value representing the number and size of Asset Divisions (AD);
(d) automated means for generating a second database and subsequent databases as necessary populated with values for one or more selected future time divisions for the borrower's asset over one or more AD's before optimisation, the values being as follows and calculated according to the following formulae:
(i) an agreed periodic payment from the lender to the borrower based on an ongoing principal value (IP) calculated according to:
TB0×HGAi×R×MRCc0=IP equation (1),
wherein
MRCc0 is a mandatory redemption criteria coefficient,
R is a coefficient chosen to optimize IP based on nominated lender and borrower returns at year n and borrower selected variables,
HGAi is a horizon gain allocation proportion at time=i expressed in favour of the lender, and
TB0 is the transaction base calculated from the asset value according to
ADV0−(M)TC0−(P)LS0=TB0 equation (2),
wherein
TC0 comprises transaction costs,
M is a coefficient chosen to weight the significance in value of TC0,
P is a coefficient chosen to weight the significance in value of LS0,
LS0 comprises any lump sum payment including any premium loading made by the lender, and
ADV0 is the asset division value calculated from the equation:
AV0×ADP=ADV0 equation (3),
wherein
ADP is the asset division proportion input by a user, and
AV0 is the whole of asset value,
and
(ii) an amount payable to a lender upon occurrence of a redemption event, calculated by selecting the greater of:
an agreed proportion of appreciation of the asset (HGAV), or
qualifying outgoings (QO),
wherein the value of QO and HGAV is first adjusted by multiplication with a coefficient calculated or selected in relation to borrower or lender criteriaM
(e) visual display means for creating visual depictions based on the values in the database or databases to represent predicted income derived from the anticipated future benefit and
(f) automated means for responding to a redemption event by determining the value of a payment to the lender that is the greater of:
(i) an agreed proportion of appreciation of the asset (HGAV), or
(ii) qualifying outgoings (QO).

33 more elements

Dependencies are inferred from the claim text.