公开(公告)号：US08380619B2

公开(公告)日：2013-02-19

申请号：US12707067

申请日：2010-02-17

申请人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

发明人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/06

摘要： Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

摘要翻译： 本发明的实施例包括一种计算机实现的方法，用于自动修改抵押组合内的多个抵押贷款的条款，使得减少多个抵押贷款的每月支付。 该方法包括计算抵押组合中每个按揭的现值净现值。 该方法还包括计算投资组合中每个抵押贷款的多个未来净现值，每个未来净现值对应于一组修改贷款期限。 该方法还包括选择最大计算的未来净现值。 该方法还包括自动修改多个抵押贷款中的最大未来净现值大于当前净现值的贷款期限。 贷款条款被修改为对应于修改的贷款条款，导致最大的净现值。

公开(公告)号：US20110022541A1

公开(公告)日：2011-01-27

申请号：US12707067

申请日：2010-02-17

申请人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

发明人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/06

摘要： Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

摘要翻译： 本发明的实施例包括一种计算机实现的方法，用于自动修改抵押组合内的多个抵押贷款的条款，使得减少多个抵押贷款的每月支付。 该方法包括计算抵押组合中每个按揭的现值净现值。 该方法还包括计算投资组合中每个抵押贷款的多个未来净现值，每个未来净现值对应于一组修改贷款期限。 该方法还包括选择最大计算的未来净现值。 该方法还包括自动修改多个抵押贷款中的最大未来净现值大于当前净现值的贷款期限。 贷款条款被修改为对应于修改的贷款条款，导致最大的净现值。