Patent SG-11201807786R-A (SG)
Title: Structuring a finance agreement to include an insurance component appendix to hedge against risk
Inventor: POINTER ROBIN
IPC: G06Q40/08
Filed: 2017-03-09
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -, Organization M1111101110101011111 HO 1111101110111110111010101110 HI MEV III 11 International Bureau 0.. .1 j ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/156274 Al 14 September 2017 (14.09.2017) WIP0 I PCT (51) (21) (22) (25) Filing Language: (26) Publication Language: (30) (71) Applicant: (72) (71) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 40/02 (2012.01) G06Q 40/08 (2012.01) kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, International Application Number: BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, PCT/US2017/021576 DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, International Filing Date: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, 9 March 2017 (09.03.2017) KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, English NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, English RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, Priority Data: ZA, ZM, ZW. 62/307,075 11 March 2016 (11.03.2016) US (84) Designated States (unless otherwise indicated, for every LIBERTY CAPITAL MANAGEMENT kind of regional protection available): ARIPO (BW, GH, (CYPRUS) LIMITED [CY/CY]; Nicolau Pentadromos GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, Centre, Thessaloniki's Street 3025, Limassol (CY). TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, Inventors; and TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, Applicants : POINTER, Robin [US/US]; 33105 Kelly DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, Road, Suite A, Fraser, MI 48026 (US). DINELLO, P., LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, Mario [US/US]; 33105 Kelly Rd., Suite A, Fraser, MI 48026 (US). GW, KM, ML, MR, NE, SN, TD, TG). Common Representative: POINTER, Robin; 33105 Published: Kelly Rd., Suite A, Fraser, MI 48026 (US). — with international search report (Art. 21(3)) (74) = = Title: STRUCTURING A FINANCE AGREEMENT TO INCLUDE AN INSURANCE COMPONENT APPENDIX TO Fig. I describes Analysis, Obligations hpre I Picitect Risk Maly s ...,ac. • ,:u.sn. Avoltlasce (54) = HEDGE ei •Prciect AGAINST RISK a flow chart of the method described herein including Identity of Risks, Risk Avoidance Mitigation, Risk Mitigation, Transfer of Risk including Contractual and Insurance, Acceptance, Risk Financing, and Total Cost of Risk q k (57) : Method for providing financial asset protec - tion for a project, by creating a Risk Transfer Structure to protect the assets, revenue stream(s), including but not lim- ited to protection of Lender(s) interest and principal payment obligations, and liabilities of the Business/Borrower by providing a strategy that contractually hedges risk at all levels of a funded project, thereby limiting potential expos- ures to the Borrower and Lender, without negatively impact- ing the overall financial condition of the Business or its abil- ity to meet its fmancial obligations. An insurance policy 1 provides, by contract, language and a template that allows the primary insurer and reinsurer to act as the Lender for specific projects and pays financial asset Lender(s) for their loan amount through an all risk policy. This reduces the need for the servicer to engage in additional investing in order to hedge against default risks during the life of the loan. Monibin9 „ on ,, o , --,--, = = = = = _ = sis i ol., Rlsk Response Planning = Risk = - — = MIt1 9 aRen orient oamw= IN Il 7r IN ,tD kin ,-1 11 © ei ,, er Acceptance 'fttktl Cnsidsk O