# US 2021/0241376 A1 · Asset utilization optimization communication system and components thereof

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- Number: US 2021/0241376 A1
- Document ID: US20210241376A1
- Status: Published application
- Kind: A1
- Application number: 17/239,016
- Filed: 2021-04-23
- Published: 2021-08-05
- Earliest claimed: 2018-02-08
- Assignees: 2BC Innovations, LLC
- Applicants: 2BC Innovations, LLC
- Inventors: Thomas H. Roth; Peter M. Shannon, III; Gary W. Grube; Gregory C. Vrablik
- Web page: https://patentgrep.com/patent/US20210241376A1

## CPC

- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/14: specially adapted for billing systems
- G06Q 40/08: Insurance
- G06Q 30/0202: Market predictions or forecasting for commercial activities
- H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A method executed by a computing device includes determining to enhance a legacy asset base, determining an asset selection approach, and selecting a first augmenting asset to produce a first selected augmenting asset of selected assets. The method further includes splitting the first selected augmenting asset by reassigning a future time-estimated benefit payment of the first selected augmenting asset to a benefit entity and reassigning a portion of a first series of time-certain obligated payments of the first selected augmenting asset to a sponsor entity, such that a beneficial valuation elevation is created where a sum of a benefit net present value and a liability net present value is greater than a fair market value of the selected assets. The method further includes assigning a portion of the benefit entity to a legacy asset base to leverage the beneficial valuation elevation over direct utilization of the selected assets.

## Claims

### Claim 1

A method for execution by a processing module of a computing device of one or more computing devices of a computing system, the method comprises:
determining to enhance a legacy asset base, wherein the legacy asset base is to provide a desired level of support for a plurality of ongoing financial obligations in accordance with desired financial attributes;
determining an asset selection approach for selecting a subset of augmenting assets from a plurality of available augmenting assets to produce selected augmenting assets, wherein the selected augmenting assets are associated with a fair market value, wherein each available augmenting asset of the plurality of available augmenting assets assigns a future time-estimated benefit payment of the available augmenting asset to a corresponding common entity, wherein the available augmenting asset further assigns a series of time-certain obligated payments of the available augmenting asset to the corresponding common entity;
selecting, in accordance with the asset selection approach, a first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce a first selected augmenting asset of the selected augmenting assets, wherein the first selected augmenting asset assigns a first future time-estimated benefit payment of the first selected augmenting asset to a first common entity, wherein the first selected augmenting asset assigns a first series of time-certain obligated payments to the first common entity;
splitting the first selected augmenting asset to produce an augmenting asset bundle by:
reassigning the first future time-estimated benefit payment of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a benefit entity, wherein an aggregate of a plurality of future time-estimated benefit payments of the selected augmenting assets is associated with a benefit net present value, and
reassigning a portion of the first series of time-certain obligated payments of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a sponsor entity, such that a beneficial valuation elevation is created where a sum of the benefit net present value and a liability net present value is greater than the fair market value of the selected augmenting assets, wherein an aggregate of a plurality of series of time-certain obligated payments of the selected augmenting assets is associated with the liability net present value; and
assigning a first portion of the benefit entity to the legacy asset base, so that the legacy asset base provides the desired level support for the plurality of ongoing financial obligations due to the beneficial valuation elevation over direct utilization of the selected augmenting assets.

### Claim 2 (depends on 1)

The method of claim 1 further comprises:
assigning a remaining portion of the benefit entity to the sponsor entity, so that an offset is created against the liability net present value benefiting the sponsor entity.

### Claim 3 (depends on 1)

The method of claim 1, wherein the determining to enhance the legacy asset base comprises one or more of:
detecting that the legacy asset base does not provide a desired cash flow level for the plurality of ongoing financial obligations in accordance with the desired financial attributes;
detecting that an optimization timeframe has expired; and
interpreting an optimization request.

### Claim 4 (depends on 1)

The method of claim 1, wherein the determining the asset selection approach for selecting the subset of augmenting assets from the plurality of available augmenting assets comprises one or more of:
indicating a cash flow based asset selection approach when support of a desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a timing based asset selection approach when a desired timing of the desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a valuation based asset selection approach when a desired valuation of the legacy asset base is detected;
indicating a rate of return based asset selection approach when a desired minimum rate of return for the augmenting asset bundle is detected; and
indicating a risk based asset selection approach when a desired maximum risk level for the augmenting asset bundle is detected.

### Claim 5 (depends on 1)

The method of claim 1, wherein the selecting the first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce the first selected augmenting asset of the selected augmenting assets comprises one or more of:
identifying the first augmenting asset of the subset of augmenting assets associated with support of a desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a cash flow based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired timing of the desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a timing based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired valuation of the legacy asset base when the asset selection approach includes a valuation based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired minimum rate of return for the augmenting asset bundle when the asset selection approach includes a rate of return based asset selection approach; and
identifying the first augmenting asset of the subset of augmenting assets associated with a desired maximum risk level for the augmenting asset bundle when the asset selection approach includes a risk based asset selection approach.

### Claim 6 (depends on 1)

The method of claim 1, wherein the assigning the first portion of the benefit entity to the legacy asset base comprises one or more of:
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of the first portion of the benefit entity compares favorably to a desired valuation lift of the legacy asset base; and
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of a remaining portion of the benefit entity compares favorably to the liability net present value associated with the augmenting asset bundle.

### Claim 7

A computing device of a computing system, the computing device comprises:
an interface;
a local memory; and
a processing module operably coupled to the interface and the local memory, wherein the processing module functions to:
determine to enhance a legacy asset base, wherein the legacy asset base is to provide a desired level of support for a plurality of ongoing financial obligations in accordance with desired financial attributes;
determine an asset selection approach for selecting a subset of augmenting assets from a plurality of available augmenting assets to produce selected augmenting assets, wherein the selected augmenting assets are associated with a fair market value, wherein each available augmenting asset of the plurality of available augmenting assets assigns a future time-estimated benefit payment of the available augmenting asset to a corresponding common entity, wherein the available augmenting asset further assigns a series of time-certain obligated payments of the available augmenting asset to the corresponding common entity;
select, in accordance with the asset selection approach, a first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce a first selected augmenting asset of the selected augmenting assets, wherein the first selected augmenting asset assigns a first future time-estimated benefit payment of the first selected augmenting asset to a first common entity, wherein the first selected augmenting asset assigns a first series of time-certain obligated payments to the first common entity;
split the first selected augmenting asset to produce an augmenting asset bundle by:
reassigning the first future time-estimated benefit payment of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a benefit entity, wherein an aggregate of a plurality of future time-estimated benefit payments of the selected augmenting assets is associated with a benefit net present value, and
reassigning a portion of the first series of time-certain obligated payments of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a sponsor entity, such that a beneficial valuation elevation is created where a sum of the benefit net present value and a liability net present value is greater than the fair market value of the selected augmenting assets, wherein an aggregate of a plurality of series of time-certain obligated payments of the selected augmenting assets is associated with the liability net present value; and
assign a first portion of the benefit entity to the legacy asset base, so that the legacy asset base provides the desired level support for the plurality of ongoing financial obligations due to the beneficial valuation elevation over direct utilization of the selected augmenting assets.

### Claim 8 (depends on 7)

The computing device of claim 7, wherein the processing module further functions to:
assign a remaining portion of the benefit entity to the sponsor entity, so that an offset is created against the liability net present value benefiting the sponsor entity.

### Claim 9 (depends on 7)

The computing device of claim 7, wherein the processing module functions to determine to enhance the legacy asset base by one or more of:
detecting that the legacy asset base does not provide a desired cash flow level for the plurality of ongoing financial obligations in accordance with the desired financial attributes;
detecting that an optimization timeframe has expired; and
interpreting an optimization request.

### Claim 10 (depends on 7)

The computing device of claim 7, wherein the processing module functions to determine the asset selection approach for selecting the subset of augmenting assets from the plurality of available augmenting assets by one or more of:
indicating a cash flow based asset selection approach when support of a desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a timing based asset selection approach when a desired timing of the desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a valuation based asset selection approach when a desired valuation of the legacy asset base is detected;
indicating a rate of return based asset selection approach when a desired minimum rate of return for the augmenting asset bundle is detected; and
indicating a risk based asset selection approach when a desired maximum risk level for the augmenting asset bundle is detected.

### Claim 11 (depends on 7)

The computing device of claim 7, wherein the processing module functions to select the first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce the first selected augmenting asset of the selected augmenting assets by one or more of:
identifying the first augmenting asset of the subset of augmenting assets associated with support of a desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a cash flow based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired timing of the desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a timing based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired valuation of the legacy asset base when the asset selection approach includes a valuation based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired minimum rate of return for the augmenting asset bundle when the asset selection approach includes a rate of return based asset selection approach; and
identifying the first augmenting asset of the subset of augmenting assets associated with a desired maximum risk level for the augmenting asset bundle when the asset selection approach includes a risk based asset selection approach.

### Claim 12 (depends on 7)

The computing device of claim 7, wherein the processing module further functions to assign the first portion of the benefit entity to the legacy asset base by one or more of:
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of the first portion of the benefit entity compares favorably to a desired valuation lift of the legacy asset base; and
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of a remaining portion of the benefit entity compares favorably to the liability net present value associated with the augmenting asset bundle.

### Claim 13

A computer readable memory that comprises:
a first memory element that stores operational instructions that, when executed by a processing module causes the processing module to:
determine to enhance a legacy asset base, wherein the legacy asset base is to provide a desired level of support for a plurality of ongoing financial obligations in accordance with desired financial attributes;
a second memory element that stores operational instructions that, when executed by the processing module causes the processing module to:
determine an asset selection approach for selecting a subset of augmenting assets from a plurality of available augmenting assets to produce selected augmenting assets, wherein the selected augmenting assets are associated with a fair market value, wherein each available augmenting asset of the plurality of available augmenting assets assigns a future time-estimated benefit payment of the available augmenting asset to a corresponding common entity, wherein the available augmenting asset further assigns a series of time-certain obligated payments of the available augmenting asset to the corresponding common entity;
a third memory element that stores operational instructions that, when executed by the processing module causes the processing module to:
select, in accordance with the asset selection approach, a first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce a first selected augmenting asset of the selected augmenting assets, wherein the first selected augmenting asset assigns a first future time-estimated benefit payment of the first selected augmenting asset to a first common entity, wherein the first selected augmenting asset assigns a first series of time-certain obligated payments to the first common entity;
a fourth memory element that stores operational instructions that, when executed by the processing module causes the processing module to:
split the first selected augmenting asset to produce an augmenting asset bundle by:
reassigning the first future time-estimated benefit payment of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a benefit entity, wherein an aggregate of a plurality of future time-estimated benefit payments of the selected augmenting assets is associated with a benefit net present value, and
reassigning a portion of the first series of time-certain obligated payments of the first selected augmenting asset from the first common entity of the first selected augmenting asset to a sponsor entity, such that a beneficial valuation elevation is created where a sum of the benefit net present value and a liability net present value is greater than the fair market value of the selected augmenting assets, wherein an aggregate of a plurality of series of time-certain obligated payments of the selected augmenting assets is associated with the liability net present value; and
a fifth memory element that stores operational instructions that, when executed by the processing module causes the processing module to:
assign a first portion of the benefit entity to the legacy asset base, so that the legacy asset base provides the desired level support for the plurality of ongoing financial obligations due to the beneficial valuation elevation over direct utilization of the selected augmenting assets.

### Claim 14 (depends on 13)

The computer readable memory of claim 13, wherein:
a sixth memory element that stores operational instructions that, when executed by the processing module causes the processing module to:
assign a remaining portion of the benefit entity to the sponsor entity, so that an offset is created against the liability net present value benefiting the sponsor entity.

### Claim 15 (depends on 13)

The computer readable memory of claim 13, wherein the processing module functions to execute the operational instructions stored by the first memory element to cause the processing module to determine to enhance the legacy asset base by one or more of:
detecting that the legacy asset base does not provide a desired cash flow level for the plurality of ongoing financial obligations in accordance with the desired financial attributes;
detecting that an optimization timeframe has expired; and
interpreting an optimization request.

### Claim 16 (depends on 13)

The computer readable memory of claim 13, wherein the processing module functions to execute the operational instructions stored by the second memory element to cause the processing module to determine the asset selection approach for selecting the subset of augmenting assets from the plurality of available augmenting assets by one or more of:
indicating a cash flow based asset selection approach when support of a desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a timing based asset selection approach when a desired timing of the desired cash flow level for the plurality of ongoing financial obligations is detected;
indicating a valuation based asset selection approach when a desired valuation of the legacy asset base is detected;
indicating a rate of return based asset selection approach when a desired minimum rate of return for the augmenting asset bundle is detected; and
indicating a risk based asset selection approach when a desired maximum risk level for the augmenting asset bundle is detected.

### Claim 17 (depends on 13)

The computer readable memory of claim 13, wherein the processing module functions to execute the operational instructions stored by the third memory element to cause the processing module to select the first augmenting asset of the subset of augmenting assets from the plurality of available augmenting assets to produce the first selected augmenting asset of the selected augmenting assets by one or more of:
identifying the first augmenting asset of the subset of augmenting assets associated with support of a desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a cash flow based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired timing of the desired cash flow level for the plurality of ongoing financial obligations when the asset selection approach includes a timing based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired valuation of the legacy asset base when the asset selection approach includes a valuation based asset selection approach;
identifying the first augmenting asset of the subset of augmenting assets associated with a desired minimum rate of return for the augmenting asset bundle when the asset selection approach includes a rate of return based asset selection approach; and
identifying the first augmenting asset of the subset of augmenting assets associated with a desired maximum risk level for the augmenting asset bundle when the asset selection approach includes a risk based asset selection approach.

### Claim 18 (depends on 13)

The computer readable memory of claim 13, wherein the processing module functions to execute further operational instructions stored by the fifth memory element to cause the processing module to assign the first portion of the benefit entity to the legacy asset base by one or more of:
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of the first portion of the benefit entity compares favorably to a desired valuation lift of the legacy asset base; and
selecting the subset of augmenting assets of the augmenting asset bundle such that a value of a remaining portion of the benefit entity compares favorably to the liability net present value associated with the augmenting asset bundle.