Method and apparatus for establishing and enhancing the creditworthiness of intellectual property
June 2, 2019. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesMethod and apparatus for evaluating a potentially insurable risk Lender direct credit evaluation and loan processing system System and method for evaluating real estate System and method of risk transfer and risk diversification including means to assure with assurance of timely payment and segregation of the interests of capital Method for automatically determining the approval status of a potential borrower System and methods for computing to support decomposing property into separately valued components Method for accessing and evaluating information for processing an application for insurance Intellectual property audit system Method of protecting against a change in value of intellectual property, and product providing such protection Quantitative supply and demand model based on infinite spreadsheet InventorAssigneeApplicationNo. 324871 filed on 06/02/1999US Classes:705/38Credit (risk) processing or loan processing (e.g., mortgage)ExaminersPrimary: Trammell, James P.Assistant: Elisca, Pierre E. Attorney, Agent or FirmForeign Patent References
International ClassG06F 017/00AbstractA method and apparatus for deciding whether to make a loan using an intangible asset, such as intellectual property, as collateral and for making such a loan more attractive to a lender. The method requires that an assessment of the transferability and viability of the asset be made to determine if the asset and loan applicant meet minimum qualifying criteria. If they do, a more detailed analysis is undertaken in which judgments are reached concerning various factors related to historical, comparative and prospective market behavior in market sectors identical with, as well as parallel and corollary to the primary market sector for the asset sought to be used as loan collateral. The analysis leads to calculation of an asset liquidation value and production of a correlated depreciation schedule which are both presented to the prospective lender. A third party then contracts with the lender to pay the asset liquidation value to the lender, adjusted for depreciation over time, in the event that the loan applicant defaults on the loan. This arrangement reduces the lender's risk of loss thereby making the loan more attractive. A computer-based apparatus for carrying out the method is also disclosed.Other References
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