公开(公告)号：US07860767B1

公开(公告)日：2010-12-28

申请号：US11239911

申请日：2005-09-30

申请人： James Vinci ,  Pierro Turgeon ,  Sylvia Lam ,  Venkatesh Ramamurthi

发明人： James Vinci ,  Pierro Turgeon ,  Sylvia Lam ,  Venkatesh Ramamurthi

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00

摘要： A method of determining an interest rate to be applied against a debit amount in a collateralized lending transaction. The method includes identifying a plurality of assets to be used as collateral, grouping the assets by class, and assigning an interest rate to each class of assets. The method also includes allocating the debit amount to each of the asset classes based on market values of the assets, calculating a blended interest rate based on the allocated debit amounts, and applying the blended interest rate to the debit amount to determine the accrual amount due on the debit amount.

摘要翻译： 确定在抵押贷款交易中应用借方金额的利率的方法。 该方法包括确定要用作抵押品的多种资产，按类别划分资产，并为每类资产分配利率。 该方法还包括根据资产的市场价值分配每个资产类别的借方金额，根据分配的借方金额计算混合利率，并将混合利率应用于借方金额，确定应计金额 借记金额。