Patent ID: 11935119
Assignee: nan
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A system for pricing and trading income sharing agreements by establish income valuations, the system comprising:
a network;
a processor of a server; and a non-transitory storage device of the server storing instructions that, when executed by the processor of the server, cause the server to perform operations comprising:
obtaining an income sharing agreement query regarding a first entity on a first entity device over the network;
receiving first entity information data;
receiving current income information regarding the first entity;
calculating a predicted income valuation for the first entity using a machine learning model utilizing principal component analysis to convert a set of variables or input data into a set of values of linearly uncorrelated variables which include a first principal component that has a largest possible variance, wherein clusters of previous income and type of entity are created from overlapping qualities in previous entities having prior income information that is related to the current income information which then are stored as one or more variables to be applied to the first entity;
applying a first algorithm to calculate the predicted income valuation by determining that a data pool with a predetermined amount of data with first quality data point, a second quality data point, and third quality data point corresponding to the first entity exists;
applying a second algorithm to calculate the predicted income valuation wherein when there is no data pool found which factors in a first data pool with the predetermined amount of data with the first quality data point and the second quality data point to a second data pool with the predetermined amount of data with the second quality data point and the third quality data point; and
generating an income sharing agreement and agreement value based on the predicted income valuation as well as current interest rates, current inflation rate, and predicted interest rates.