公开(公告)号：US20100010874A1

公开(公告)日：2010-01-14

申请号：US12500933

申请日：2009-07-10

申请人： Carissa Tener Howard ,  Charles Tucker Rosen ,  Kevin Patrick Howard

发明人： Carissa Tener Howard ,  Charles Tucker Rosen ,  Kevin Patrick Howard

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06Q50/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Systems including computer readable programs and methods of evaluating loan applications and extending loans to borrowers secured by the borrower's undeveloped, but potentially patentable and/or marketable invention idea, includes evaluating an invention idea invented by a borrower, assigning a value to the invention idea and determining an amount of money to extended to the borrower, and obtaining one or more of an ownership interest in the invention idea or a security interest in the invention idea as collateral. Also disclosed are criteria for conducting an analysis of the invention idea to determine one or more terms of a loan to be extended to the borrower.

摘要翻译： 系统包括计算机可读程序和评估贷款申请和向借款人提供贷款的方法，这些贷款由借款人未开发但具有潜在可专利性和/或可销售性的发明构想保证，包括评估借款人发明的发明理念，为发明思想指定价值， 确定延伸到借款人的金额，并获得发明理念的所有者权益或发明理念的担保权益中的一个或多个作为抵押品。 还披露了对发明思想进行分析的标准，以确定要扩展到借款人的贷款的一个或多个条款。