Andrew S Caplin

US Patent:

20060271473, Nov 30, 2006

Filed:

May 26, 2005

Appl. No.:

11/139841

Inventors:

Frederick Pollock - Henderson NV, US
Andrew Caplin - New York NY, US
Stephen Menzies - Woollahra, AU

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

A process, system, software arrangement and storage medium are provided for facilitate an ability (or provide a model) to determine a repayment value on a loan and/or an investment for an asset (e.g., using a processing arrangement). In particular, first data associated with at least one of an actual time or an estimated time when the loan remains unpaid is obtained. In addition, second data associated with at least one of a sale price of the asset or a valuation of the asset is obtained at the time the loan/investment is satisfied. Further, the repayment value is determined based on, at least in part, the first data and the second data. In addition, a further process, system, software arrangement and storage medium are provided to establish the conditions for a loan of an asset (e.g., using the processing arrangement). The terms of the loan may be established based on data associated with unmodifiable terms of the loan provided by a borrower of the loan.

US Patent:

20070288362, Dec 13, 2007

Filed:

Aug 8, 2007

Appl. No.:

11/835920

Inventors:

Frederick Pollock - Henderson NV, US
Andrew Caplin - New York NY, US
Stephen Menzies - Sydney, AU

Assignee:

New York University - New York NY

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

A process, system, software arrangement and storage medium are provided for facilitate an ability (or provide a model) to determine a repayment value on a loan and/or an investment for an asset (e.g., using a processing arrangement). In particular, first data associated with at least one of an actual time or an estimated time when the loan remains unpaid is obtained. In addition, second data associated with at least one of a sale price of the asset or a valuation of the asset is obtained at the time the loan/investment is satisfied. Further, the repayment value is determined based on, at least in part, the first data and the second data. In addition, a further process, system, software arrangement and storage medium are provided to establish the conditions for a loan of an asset (e.g., using the processing arrangement). The terms of the loan may be established based on data associated with unmodifiable terms of the loan provided by a borrower of the loan.

US Patent:

20080215479, Sep 4, 2008

Filed:

May 26, 2006

Appl. No.:

11/915511

Inventors:

Frederick Pollock - Henderson NV, US
Andrew Caplin - New York NY, US
Stephen Menzies - New South Wales, AU

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

A method is disclosed for determining a repayment amount on a loan that is dependent on an initial value of a property. The method uses input data comprising the initial value of the property, a term for repayment of the loan, a first time for which the repayment amount is to be determined and a current value of the property at the first time. The current value of the property is compared (step ) with the initial value of the property to determine whether there is a value-based loss or a value-based gain. The method checks (step ) whether the first time is earlier than the term for repayment. In the event of a prepayment, the repayment amount is determined (step ) independent of the current value of the property if there is a value-based loss (e.g. using the initial value of the property). The repayment amount is determined (step ) dependent on the current value of the property if there is a value-based gain.

US Patent:

20030110122, Jun 12, 2003

Filed:

Dec 7, 2001

Appl. No.:

10/011829

Inventors:

Barry Nalebuff - New Haven CT, US
Andrew Caplin - New York NY, US

International Classification:

G06F017/60

US Classification:

705/038000, 705/037000, 705/036000

Abstract:

A novel financial product and associated data processing system provide risk abatement to purchasers of real estate and/or other assets that are financed and are subject to market valuation changes. The product includes application of a time dependent property index value for adjusting mortgage debt repayment in response to declining property values. The system permits enhanced and expanded lending in targeted neighborhoods on a selected basis.

US Patent:

20030110111, Jun 12, 2003

Filed:

Dec 9, 2002

Appl. No.:

10/314621

Inventors:

Barry Nalebuff - New Haven CT, US
Andrew Caplin - New York NY, US

International Classification:

G06F017/60

US Classification:

705/035000

Abstract:

A novel financial product and associated data processing system provide risk abatement to purchasers and/or owners of real estate and/or other assets that are financed and are subject to market valuation changes. The product includes application of a time dependent property index value for adjusting a future payment associated with said property, such as mortgage debt repayment, in response to declining property values. The system permits enhanced and expanded lending in targeted neighborhoods on a selected basis.

Author:

Andrew Caplin

ISBN #:

0262032430