公开(公告)号：US20050144118A1

公开(公告)日：2005-06-30

申请号：US11018123

申请日：2004-12-21

申请人： Ashish Dev ,  Yong Kim

发明人： Ashish Dev ,  Yong Kim

IPC分类号： G06F17/60

CPC分类号： G06Q20/10 ,  G06Q40/025

摘要： The present invention addresses uncertainties associated with future college education expenses, and provides a means to resolve these uncertainties. It relates to methods and systems for creating and maintaining an options market for college education expenses. In this system and method, a group of colleges and universities (member institutions) similar in quality and in education expenses form a consortium or contract with an independent third party for an operation of creating an index of member institutions' education expenses and issuing European call options on the index to participating parents who wish to hedge the risk associated with their children's future college education expenses. An index is a weighted average of member institutions' education expenses. A call option here is a pure financial instrument. That is, the option price depends only on the index, not on the likelihood of a child's obtaining admission from one of member institutions. The consortium or the third party plays a role of a broker-dealer and market maker of call options on the index. Participating parents take long positions in call options, while member institutions take short positions in call options. The system provides member institutions a new source of funding.

摘要翻译： 本发明解决与未来大学教育费用相关的不确定性，为解决这些不确定性提供了手段。 它涉及创建和维护大学教育费用选择市场的方法和系统。 在这种制度和方法中，质量和教育费用类似的一批高等院校（成员机构）与独立第三方形成联合体或者合同，创建成员机构教育费用指标并发出欧洲电话 参与父母的指数的选择，希望对照与子女未来大学教育费用相关的风险。 指数是成员机构教育费用的加权平均数。 这是一个纯粹的金融工具。 也就是说，期权价格只取决于指数，而不是取决于孩子从其中一个成员机构获得入学的可能性。 该联盟或第三方扮演经纪交易商和该指数的看涨期权市场的角色。 参与的家长在通话期间持有多头头寸，而成员机构在通话期间持有空头头寸。 该系统为成员机构提供了新的资金来源。

公开(公告)号：US20060116951A1

公开(公告)日：2006-06-01

申请号：US10999628

申请日：2004-11-30

申请人： Yong Kim ,  Ashish Dev

发明人： Yong Kim ,  Ashish Dev

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q40/025

摘要： This invention identifies the economic benefits of living in a foreign country, where the cost of living is a fraction of the cost of living in the U.S., for retirees. Specifically, the method addresses the needs of those retired homeowners who will consider living abroad only a portion of the year while keeping their current homes as primary residences. A computer-implemented method determines the amount saved from living abroad for part of year for retirees who would buy a second home in a foreign country financed by reverse mortgages. Clearly, the level of saving or benefit depends crucially on the price of the second home in the foreign country, the difference between two countries' living expenses, and the number of months retirees plan to stay in the foreign country, among other inputs. Higher the amount saved, the more likely the retirees in high living-cost areas in the U.S. look into this option of living abroad, particularly those first-generation immigrant senior citizens. The method also addresses assessing the feasibility of developing residential communities in foreign countries for the U.S. senior citizens by developers. Specifically, given the cost of developing such communities abroad, the method determines the minimum threshold of living expense in the U.S. This minimum threshold of living expense in the U.S. will, in turn, determine the market segment or client base in the U.S., which the developer can target.

摘要翻译： 本发明确定了生活在外国的生活费用在退休人员中的生活费用是美国生活费用的一部分。 具体来说，该方法解决了那些将在当地居住作为主要住宅而考虑在一年之内居住在国外的退休房主的需求。 计算机实施的方法确定了在国外为退休人员而在国外生活的部分退休金，这些退休人员将在外国资助的反向抵押贷款中购买第二所家庭。 显然，储蓄或利益的水平在很大程度上取决于外国第二所房屋的价格，两国生活费用的差异以及退休人员计划留在外国的月数等等。 美国的高生活费用领域的退休人员越来越多地考虑到这个生活在国外的选择，特别是那些第一代移民老年人。 该方法还针对发展商对美国老年人发展国外住宅社区的可行性进行了评估。 具体来说，考虑到在国外开发这些社区的成本，该方法决定了美国的生活费用的最低门槛。美国的最低生活费用门槛将决定美国的市场份额或客户群， 开发人员可以瞄准。

公开(公告)号：US20060089902A1

公开(公告)日：2006-04-27

申请号：US10970942

申请日：2004-10-22

申请人： Yong Kim ,  Ashish Dev

发明人： Yong Kim ,  Ashish Dev

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： This invention relates to retirement communities. Specifically, a computer-implemented method and system enhances retired homeowners' accessibility to the retirement community on time-sharing basis and broadens the client base for the management and/or developers of such communities. The method particularly addresses the needs of those retired homeowners who will consider joining a retired community only a portion of the year while keeping their current homes. It determines the affordability of retirement community living on a time-sharing basis for retired homeowners, using reverse mortgages. The method also addresses the needs of developers of retirement community projects. It does a break-even analysis of the project under different scenarios, enabling a developer to assess the project's feasibility.

摘要翻译： 本发明涉及退休社区。 具体来说，一个计算机实施的方法和系统可以使退休的业主以分时的方式提供退休社区的可及性，并扩大这些社区的管理和/或开发人员的客户基础。 该方法特别针对退休的业主的需求，他们将考虑在一年之内加入退休社区，同时保持现有的住房。 它决定了退休社区生活在退休居民身上的负担能力，使用反向抵押贷款。 该方法还解决了退休社区项目开发人员的需求。 它对不同情景下的项目进行了一个平衡分析，使开发人员能够评估项目的可行性。