Patent ID: 8554657
Filing Date: 2013-10-08
Classification: G06Q

Abstract:
1. A computer-implemented 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) using a computer 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) by said computer 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: wherein MRCc 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 TB wherein TC M is a coefficient chosen to weight the significance in value of TC P is a coefficient chosen to weight the significance in value of LS LS ADV wherein ADP is the asset division proportion input by a user, and AV and an agreed proportion of appreciation of the asset (HGAV), or qualifying outgoings (QO),