Patent ID: 8219478
Filing Date: 2012-07-10
Classification: G06Q

Abstract:
1. A method for implementing an asset sale and loan program for quantifying and transferring non-economic risk between a first party and a second party, said method comprising: receiving data representing an asset belonging to the first party, wherein the data includes a book value of the asset and principal payments of the asset; generating an expected value of the asset based on the data representing the asset; determining a deal value based on the book value and the expected value, wherein the second party purchases the asset from the first party for the deal value; calculating an equity amount based on the deal value and the loan amount, wherein the second party contributes the equity amount towards the purchase of the asset, determining a loan amount based on the deal value such that the loan amount is less than the deal value, wherein the first party makes a loan to the second party for the loan amount, and wherein the second party makes periodic payments towards the loan from principal payments of the asset; receiving a term date for the loan; determining aggregate principal payments (APP) of the asset as of the term date; and indicating whether the APP exceeds the loan amount; calculating any portion of the APP exceeding the deal value (“excess payments”); indicating any portion of the excess payments due to the first party under the program, providing to the first party a portion of any excess payments due to the first party; and wherein the steps of receiving data representing an asset, generating an expected value, determining a deal value, determining a loan amount, determining APP, calculating any portion of the APP exceeding the deal value, and providing to the first party a portion of any excess payments are performed by a computer.