[go: up one dir, main page]

WO1998043187A3 - Method and data system for determining financial instruments for, and term to maturity of, a loan - Google Patents

Method and data system for determining financial instruments for, and term to maturity of, a loan Download PDF

Info

Publication number
WO1998043187A3
WO1998043187A3 PCT/DK1998/000082 DK9800082W WO9843187A3 WO 1998043187 A3 WO1998043187 A3 WO 1998043187A3 DK 9800082 W DK9800082 W DK 9800082W WO 9843187 A3 WO9843187 A3 WO 9843187A3
Authority
WO
WIPO (PCT)
Prior art keywords
maturity
term
loan
financial instruments
limits
Prior art date
Application number
PCT/DK1998/000082
Other languages
Danish (da)
French (fr)
Other versions
WO1998043187A2 (en
Inventor
Borger Borgersen
Bjarne Graven Larsen
Mads Rosenkrans
Thomas Lindahl
Klaus Kristiansen
Stig Toernes-Hansen
Bo Godthjaelp Petersen
Original Assignee
Realkredit Danmark A S
Borger Borgersen
Bjarne Graven Larsen
Mads Rosenkrans
Thomas Lindahl
Klaus Kristiansen
Toernes Hansen Stig
Bo Godthjaelp Petersen
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Realkredit Danmark A S, Borger Borgersen, Bjarne Graven Larsen, Mads Rosenkrans, Thomas Lindahl, Klaus Kristiansen, Toernes Hansen Stig, Bo Godthjaelp Petersen filed Critical Realkredit Danmark A S
Priority to CA002282642A priority Critical patent/CA2282642A1/en
Priority to EP98906857A priority patent/EP0986791A2/en
Priority to AU62908/98A priority patent/AU6290898A/en
Publication of WO1998043187A2 publication Critical patent/WO1998043187A2/en
Publication of WO1998043187A3 publication Critical patent/WO1998043187A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Method and data processing system for calculating the type, the number and the volume of financial instruments for funding a loan with equivalent proceeds to a debtor, the loan designed to be refinanced during its term to maturity. At the start of each period, the remaining term to maturity is determined such that debtor's payments during the total term to maturity of the loan are within a band defined by a set of maximum and minimum limits which can be fixed for each period, and such that the remaining term to maturity of the loan is within a band defined by a maximum and a minimum limit. If necessary, a rule for prioritization between the limits for the payments and the limits for the term to maturity is established.
PCT/DK1998/000082 1997-03-03 1998-03-03 Method and data system for determining financial instruments for, and term to maturity of, a loan WO1998043187A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002282642A CA2282642A1 (en) 1997-03-03 1998-03-03 Method and data system for determining financial instruments for, and term to maturity of, a loan
EP98906857A EP0986791A2 (en) 1997-03-03 1998-03-03 Method and data system for determining financial instruments for, and term to maturity of, a loan
AU62908/98A AU6290898A (en) 1997-03-03 1998-03-03 Method and data system for determining financial instruments for, and term to maturity of, a loan

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
DK23397 1997-03-03
DK233/97 1997-03-03
DK30897 1997-03-18
DK770/97 1997-06-27
DK77097 1997-06-27
DK308/97 1997-08-08

Publications (2)

Publication Number Publication Date
WO1998043187A2 WO1998043187A2 (en) 1998-10-01
WO1998043187A3 true WO1998043187A3 (en) 1998-11-05

Family

ID=27220527

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DK1998/000082 WO1998043187A2 (en) 1997-03-03 1998-03-03 Method and data system for determining financial instruments for, and term to maturity of, a loan

Country Status (4)

Country Link
EP (1) EP0986791A2 (en)
AU (1) AU6290898A (en)
CA (1) CA2282642A1 (en)
WO (1) WO1998043187A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109345369B (en) * 2018-08-22 2023-03-31 平安普惠企业管理有限公司 Spare payment configuration method and terminal equipment
CN119741135A (en) * 2024-11-20 2025-04-01 中国建设银行股份有限公司 Task execution method, device, equipment and medium

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1991011772A1 (en) * 1990-02-02 1991-08-08 Intaforce Limited Method and apparatus for releasing value of an asset
WO1993012489A1 (en) * 1991-12-16 1993-06-24 The Harrison Company, Inc. Data processing technique for scoring bank customer relationships and awarding incentive rewards
WO1996018160A1 (en) * 1993-05-28 1996-06-13 Ian Kenneth Shepherd Methods and apparatus relating to the formulation and trading of risk management contracts
WO1996022576A1 (en) * 1995-01-18 1996-07-25 King Douglas L Method and apparatus of creating a financial instrument and administering an adjustable rate loan system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1991011772A1 (en) * 1990-02-02 1991-08-08 Intaforce Limited Method and apparatus for releasing value of an asset
WO1993012489A1 (en) * 1991-12-16 1993-06-24 The Harrison Company, Inc. Data processing technique for scoring bank customer relationships and awarding incentive rewards
WO1996018160A1 (en) * 1993-05-28 1996-06-13 Ian Kenneth Shepherd Methods and apparatus relating to the formulation and trading of risk management contracts
WO1996022576A1 (en) * 1995-01-18 1996-07-25 King Douglas L Method and apparatus of creating a financial instrument and administering an adjustable rate loan system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
COMPUTERS & INDUSTRIAL ENGINEERING/AN INTERNATIONAL JOURNAL, Volume 11, 1986, OH K.H., "When is a Good Time to Refinance? Illustrating Income Property Cases on the Compute", pages 114-118. *

Also Published As

Publication number Publication date
CA2282642A1 (en) 1998-10-01
AU6290898A (en) 1998-10-20
EP0986791A2 (en) 2000-03-22
WO1998043187A2 (en) 1998-10-01

Similar Documents

Publication Publication Date Title
WO1995006290A3 (en) Investment fund management method and system
WO2005040973A3 (en) System and method for seller-assisted automated payment processing and exception management
WO1991013409A3 (en) A system and process for converting constant dollar financial instrumemts
WO2000016178A3 (en) Analytic network engine and spreadsheet interface system
WO2003003154A3 (en) Rule-based system and apparatus for rating transactions
DK0421808T3 (en) Funds for transferring funds
WO2005031512A3 (en) Collateralized loan market systems and methods
WO2004061565A3 (en) System and method for facilitating sale of a loan to a secondary market purchaser
WO2004001524A3 (en) Method and system for utilizing a special purpose vehicle for improving the liquidity of transactions
GB9903766D0 (en) Data processing system for initiating & administering financial products
WO2003073227A3 (en) Ystem and method for guaranteeing minimum periodic retirement income payments using an adjustment account
WO2002019596A3 (en) Online property exchange
NO976151L (en) Procedure for tracking payment data, especially in an anonymous battalion system
WO2004084043A3 (en) Dynamic merchant pricing model
WO1998043187A3 (en) Method and data system for determining financial instruments for, and term to maturity of, a loan
US20060229975A1 (en) Methods for accelerated principal reduction
WO2004013721A3 (en) Methods and systems to identify and control payment fraud
WO1999009500A3 (en) Method and data system for determining financial instruments for use in the funding of a loan
WO2004023244A3 (en) System and method for deriving data
WO2001033401A8 (en) Electronic malls and auctions based on adaptive trade specifications
DK16596A (en) Data processing system and method for calculating the size of financial instruments
Lifter DEVELOPMENT OF OBJECT RELATED BEHAVIORS DURING THE TRANSITION FROM PRELINGUISTIC TO LINGUISTIC COMMUNICATION.
NZ511555A (en) Method, system and computer program for auditing financial plans
WO2006012455A3 (en) Methods and systems for managing financial accounts
Bardzik The effect of prepayment penalties on the value of the call option in commercial mortgages.

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AL AM AT AT AU AZ BA BB BG BR BY CA CH CN CU CZ CZ DE DE DK DK EE EE ES FI FI GB GE GH GM GW HU ID IL IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SK SL TJ TM TR TT UA UG US UZ VN YU ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW SD SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE SN TD TG

AK Designated states

Kind code of ref document: A3

Designated state(s): AL AM AT AT AU AZ BA BB BG BR BY CA CH CN CU CZ CZ DE DE DK DK EE EE ES FI FI GB GE GH GM GW HU ID IL IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SK SL TJ TM TR TT UA UG US UZ VN YU ZW

AL Designated countries for regional patents

Kind code of ref document: A3

Designated state(s): GH GM KE LS MW SD SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE SN TD TG

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
ENP Entry into the national phase

Ref document number: 2282642

Country of ref document: CA

Ref country code: CA

Ref document number: 2282642

Kind code of ref document: A

Format of ref document f/p: F

WWE Wipo information: entry into national phase

Ref document number: 1998906857

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 09380490

Country of ref document: US

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

NENP Non-entry into the national phase

Ref country code: JP

Ref document number: 1998538934

Format of ref document f/p: F

WWP Wipo information: published in national office

Ref document number: 1998906857

Country of ref document: EP

WWW Wipo information: withdrawn in national office

Ref document number: 1998906857

Country of ref document: EP