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1. 发明授权

US07987137B1 Risk-based reference pool capital reducing systems and methods 有权
标题翻译：基于风险的参考池资本减少系统和方法
公开(公告)号：US07987137B1
公开(公告)日：2011-07-26
申请号：US12875657
申请日：2010-09-03
申请人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
发明人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.
摘要翻译：与本发明一致的实施例提供了一种信用增强结构，用于各方之间的风险分配，使得对受资本准备金要求的机构的监管资本准备金要求影响最小化。该机构持有的资产主体池（例如贷款池）被评定为确定其风险水平。根据评级风险水平，担保方同意对与资产池相关的一部分风险负责，这可能定义持有资产池的机构的最大风险敞口。风险级资本准备金要求根据风险等级评估和担保人约定的风险责任应用于资产池，使得该机构与原来需要持有的资本相比，储备资本减少。

2. 发明授权

US07792742B1 Risk-based reference pool capital reducing systems and methods 有权
标题翻译：基于风险的参考池资本减少系统和方法
公开(公告)号：US07792742B1
公开(公告)日：2010-09-07
申请号：US10813260
申请日：2004-03-31
申请人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
发明人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.
摘要翻译：与本发明一致的实施例提供了一种信用增强结构，用于各方之间的风险分配，使得对受资本准备金要求的机构的监管资本准备金要求影响最小化。该机构持有的资产主体池（例如贷款池）被评定为确定其风险水平。根据评级风险水平，担保方同意对与资产池相关的一部分风险负责，这可能定义持有资产池的机构的最大风险敞口。风险级资本准备金要求根据风险等级评估和担保人约定的风险责任应用于资产池，使得该机构与原来需要持有的资本相比，储备资本减少。

3. 发明授权

US08447688B1 Risk-based reference pool capital reducing systems and methods 有权
标题翻译：基于风险的参考池资本减少系统和方法
公开(公告)号：US08447688B1
公开(公告)日：2013-05-21
申请号：US13174302
申请日：2011-06-30
申请人： Paul A. Thomas , Robert J. Fishman , Clifford V. Rossi , Martin M. Loketek
发明人： Paul A. Thomas , Robert J. Fishman , Clifford V. Rossi , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.
摘要翻译：与本发明一致的实施例提供了一种信用增强结构，用于各方之间的风险分配，使得对受资本准备金要求的机构的监管资本准备金要求影响最小化。该机构持有的资产主体池（例如贷款池）被评定为确定其风险水平。根据评级风险水平，担保方同意对与资产池相关的一部分风险负责，这可能定义持有资产池的机构的最大风险敞口。风险级资本准备金要求根据风险等级评估和担保人约定的风险责任应用于资产池，使得该机构与原来需要持有的资本相比，储备资本减少。

4. 发明授权

US07996304B1 Risk-based reference pool capital reducing systems and methods 有权
公开(公告)号：US07996304B1
公开(公告)日：2011-08-09
申请号：US12875692
申请日：2010-09-03
申请人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
发明人： Paul A. Thomas , Clifford V. Rossi , Robert J. Fishman , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

5. 发明授权

US08650117B1 Systems, methods, and computer products for optimizing the selection of collateral 有权
标题翻译：用于优化抵押品选择的系统，方法和计算机产品
公开(公告)号：US08650117B1
公开(公告)日：2014-02-11
申请号：US13021930
申请日：2011-02-07
申请人： Menner A. Tatang , Martin M. Loketek
发明人： Menner A. Tatang , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/025
摘要： Systems, methods, and computer program products are provided for increasing the return from a pool of loans for a company involved in the guarantee and securitization of such loans. In one exemplary embodiment, a computer-implemented method comprises creating a plurality of sub-pools in which to place loans from the pool of loans; determining, using one or more processors, an external value assessment for one or more loans from the pool and an internal value assessment for the one or more loans; identifying a difference between the external and internal value assessments; and selecting a sub-pool from the plurality of sub-pools to place the one or more loans based upon the identified difference.
摘要翻译：提供系统，方法和计算机程序产品，用于增加参与此类贷款担保和证券化的公司的贷款池的回报。在一个示例性实施例中，计算机实现的方法包括创建多个子池，其中从贷款池中贷款; 使用一个或多个处理器来确定来自池的一个或多个贷款的外部价值评估以及所述一个或多个贷款的内部价值评估; 确定外部和内部价值评估之间的差异; 以及从所述多个子池中选择子池，以基于所识别的差异来放置所述一个或多个贷款。

6. 发明授权

US07904381B1 Systems, methods, and computer products for optimizing the selection of collateral 有权
标题翻译：用于优化抵押品选择的系统，方法和计算机产品
公开(公告)号：US07904381B1
公开(公告)日：2011-03-08
申请号：US12010988
申请日：2008-01-31
申请人： Menner A. Tatang , Martin M. Loketek
发明人： Menner A. Tatang , Martin M. Loketek
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/025
摘要： Systems, methods, and computer program products are provided for increasing the return from a pool of loans for a company involved in the guarantee and securitization of such loans. In one exemplary embodiment, a computer-implemented method comprises creating a plurality of sub-pools in which to place loans from the pool of loans; determining, using one or more processors, an external value assessment for one or more loans from the pool and an internal value assessment for the one or more loans; identifying a difference between the external and internal value assessments; and selecting a sub-pool from the plurality of sub-pools to place the one or more loans based upon the identified difference.
摘要翻译：提供系统，方法和计算机程序产品，用于增加参与此类贷款担保和证券化的公司的贷款池的回报。在一个示例性实施例中，计算机实现的方法包括创建多个子池，其中从贷款池中贷款; 使用一个或多个处理器来确定来自池的一个或多个贷款的外部价值评估以及所述一个或多个贷款的内部价值评估; 确定外部和内部价值评估之间的差异; 以及从所述多个子池中选择子池，以基于所识别的差异来放置所述一个或多个贷款。

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