1. A computer-implemented data processing system for managing information related to a plurality of financial assets associated with housing and mortgage investments of an investor, the data processing system comprising:
a processing unit;
machine-readable storage media storing machine-executable instructions for execution by the processing unit comprising:
user interface logic to receive data regarding the plurality of financial assets including data regarding a plurality of properties associated with the plurality of financial assets and to provide access to the data regarding the plurality of financial assets, the plurality of financial assets including debt assets comprising an investment based on a loan associated with at least one of the plurality of properties, equity assets comprising equity associated with the at least one of the plurality of properties purchased as an investment, and bond assets comprising a revenue bond associated with the at least one of the plurality of properties purchased as an investment,
wherein the user interface logic provides a debt asset user interface to access and view details regarding the debt assets, an equity asset user interface to access and view details regarding the equity assets, and a bond asset user interface to access and view details regarding the bond assets;
trend and analysis logic coupled to the user interface logic to process data regarding the plurality of financial assets and provide risk management results, wherein the risk management results include risks associated with a particular property across the plurality of financial assets;
a database coupled to the trend and analysis logic and the user interface logic to store the data regarding the plurality of financial assets and risk management results;
wherein the database links data for the particular property of the plurality of properties across the plurality of financial assets; and
portfolio analysis logic coupled to the user interface logic to facilitate profitability analysis for a group of at least one of the debt assets, the equity assets, and the bond assets, perform analyses utilized in complying with risk based capital requirements, assessing credit metrics for at least one of the debt assets, the equity assets, and the bond assets, assess at least one of a counterparties’ financial position and areas where the group of the at least one of the debt assets, the equity assets, and the bond assets is sensitive to at least one financial condition, and assist in portfolio repositioning, wherein the portfolio comprises the at least one of the debt assets, the equity assets, and the bond assets.
2. A computer-implemented data processing system according to claim 1, wherein the risk management results include risks associated with a particular type of property.
3. A computer-implemented data processing system according to claim 1, wherein the risk management results include risks associated with a specific borrower across the plurality of financial assets, the plurality of financial assets including debt assets comprising an investment based on a loan associated with at least one property of the plurality of properties, equity assets comprising equity associated with the at least one property of the plurality of properties purchased as an investment, and bond assets comprising a revenue bond associated with the at least one property of the plurality of properties purchased as an investment.
4. A computer-implemented data processing system according to claim 1, wherein the risk management results include risks associated with a particular counterparty across the plurality of financial assets, the plurality of financial assets including debt assets comprising an investment based on a loan associated with at least one property of the plurality of properties, equity assets comprising equity associated with the at least one property of the plurality of properties purchased as an investment, and bond assets comprising a revenue bond associated with the at least one property of the plurality of properties purchased as an investment.
5. A computer-implemented data processing system according to claim 1, wherein the trend and analysis logic is further configured to generates a report based on the risk management results.
6. A computer-implemented data processing system for managing information related to a plurality of financial assets associated with housing and mortgage investments of an investor, the data processing system comprising:
a processing unit;
machine-readable storage media storing machine-executable instructions for execution by the processing unit, comprising:
user interface logic to receive data regarding the plurality of financial assets including data regarding a plurality of properties associated with the plurality of financial assets and to provide access to the data regarding the plurality of financial assets, the plurality of financial assets including debt assets comprising an investment based on a loan associated with at least one of the plurality of properties, equity assets comprising equity associated with the at least one of the plurality of properties purchased as an investment, and bond assets comprising a revenue bond associated with the at least one of the plurality of properties purchased as an investment,
wherein the user interface logic provides a debt asset user interface to access and view details regarding the debt assets, an equity asset user interface to access and view details regarding the equity assets, and a bond asset user interface to access and view details regarding the bond assets;
cash flow management logic coupled to the user interface logic to perform cash flow accounting across the plurality of financial assets;
a database coupled to the cash flow management logic and the user interface logic to store the data regarding the plurality of financial assets;
wherein the database links data for a particular property of the plurality of properties across the plurality of financial assets; and
portfolio analysis logic coupled to the user interface logic to facilitate profitability analysis for a group of at least one of the debt assets, the equity assets, and the bond assets, perform analyses utilized in complying with risk based capital requirements, assessing credit metrics for at least one of the debt assets, the equity assets, and the bond assets, assess at least one of a counterparties’ financial position and areas where the group of the at least one of the debt assets, the equity assets, and the bond assets is sensitive to at least one financial condition, and assist in portfolio repositioning, wherein the portfolio comprises the at least one of the debt assets, the equity assets, and the bond assets.
7. A computer-implemented data processing system for managing information related to a plurality of financial assets associated with housing and mortgage investments of an investor, the system comprising:
a processing unit;
machine-readable storage media storing machine-executable instructions for execution by the processing unit comprising:
user interface logic to receive data regarding the plurality of financial assets including data regarding a plurality of properties associated with the plurality of financial assets and to provide access to the data regarding the plurality of financial assets, the plurality of financial assets including debt assets comprising an investment based on a loan associated with at least one of the plurality of properties, equity assets comprising equity associated with the at least one of the plurality of properties purchased as an investment, and bond assets comprising a revenue bond associated with the at least one of the plurality of properties purchased as an investment,
wherein the user interface logic provides a debt asset user interface to access and view details regarding the debt assets, an equity asset user interface to access and view details regarding the equity assets, and a bond asset user interface to access and view details regarding the bond assets;
access and security logic coupled to the user interface logic to provide a registered user with access to a database management logic;
data management logic coupled to the user interface logic and the access and security logic to retrieve and process the data regarding the plurality of financial assets;
a database coupled to the data management logic, the user interface logic and the access and security logic to store the data regarding the plurality of financial assets and to link data for a particular property of the plurality of properties across the plurality of financial assets, the database further storing the received data;
deal management logic coupled to the user interface logic and the access and security logic to assist the registered user in assessing, creating and closing an investment transaction, the deal management logic including,
deal assessment logic to generate an assessment analysis based on at least one report from a trend and analysis logic,
deal creation logic to submit received deal creation data to deal storage logic,
the deal storage logic to transmit the received deal creation data to the database and to modify the received deal creation data into a preferred format prior to transmitting the received deal creation data to the database, the deal storage logic further transmitting a stored received deal creation data to a deal closing logic, and
deal closing logic to allow at least one registered user to complete the investment transaction;
trend and analysis logic coupled to the user interface logic and the access and security logic to generate the at least one report utilizing report logic and wherein the trend and analysis logic includes a risk management logic providing risk management results, wherein the risk management results include risks associated with the particular property across the plurality of financial assets;
portfolio analysis logic coupled to the user interface logic to facilitate profitability analysis for a group of at least one of the debt assets, the equity assets, and the bond assets, perform analyses utilized in complying with risk based capital requirements, assessing credit metrics for at least one of the debt assets, the equity assets, and the bond assets, assess at least one of a counterparties’ financial position and areas where the group of the at least one of the debt assets, the equity assets, and the bond assets is sensitive to at least one financial condition, and assist in portfolio repositioning, wherein the portfolio comprises the at least one of the debt assets, the equity assets, and the bond assets; and
cash flow management logic coupled to the user interface logic and the access and security logic to perform a loan accounting, a payment of investors, a disclosure, a delinquency processing, a billing, a monitoring of payments received from borrowers and a cash flow accounting across multiple asset classes for the registered user,
wherein, for the particular property, the plurality of financial assets include a debt asset comprising an investment based on a loan associated with the particular property, an equity asset comprising equity associated with the particular property purchased as an investment, and a bond asset comprising a revenue bond associated with the particular property purchased as an investment;
wherein the data regarding the plurality of financial assets includes data regarding a debt deal associated with the debt asset, an equity deal associated with the equity asset, and a bond deal associated with the bond asset; and
wherein the debt deal, the equity deal, and the bond deal occur at different times with different counterparties.
8. A computer-implemented data processing system according to claim 7, wherein the debt assets include a mortgage backed security backed by a plurality of mortgage loans.
9. A computer-implemented data processing system according to claim 8, wherein each registered user has a registration with the data processing system and the registration includes an access level identifying the data the user may access.
10. A computer-implemented data processing system according to claim 7, wherein the user interface logic is configured to provides access to a plurality of registered users.
11. A computer-implemented data processing system according to claim 7, wherein the data regarding the plurality of financial assets includes data regarding deals associated with the plurality of financial assets.
12. A computer-implemented data processing system according to claim 7, wherein the data regarding the plurality of financial assets includes data regarding a plurality of counterparties associated with the plurality of financial assets.
13. A computer-implemented data processing system according to claim 12, wherein the plurality of counterparties includes lenders, brokers, servicers, borrowers and syndicators.
14. A computer-implemented data processing system according to claim 7, wherein the plurality of properties includes multifamily properties.
15. A computer-implemented data processing system according to claim 7, wherein the data regarding the plurality of financial assets includes data regarding a plurality of mortgage loans associated with the plurality of financial assets.
16. A computer-implemented data processing system according to claim 7, wherein the deal management logic receives and processes data regarding the investment transaction between the investor and a counterparty regarding at least one of the plurality of financial assets.
17. A computer-implemented data processing system according to claim 7, wherein the cash flow management logic generates at least one regulatory disclosure report.
18. A computer-implemented data processing system according to claim 7, wherein the user interface logic include a network-enabled user interface permitting the registered user to access the data processing system by way of an Intranet.
19. A computer-implemented data processing system according to claim 1,
wherein, for the particular property, the plurality of financial assets include a debt asset, an equity asset, and a bond asset;
wherein the data regarding the plurality of financial assets includes data regarding a debt deal associated with the debt asset, an equity deal associated with the equity asset, and a bond deal associated with the bond asset; and
wherein the debt deal, the equity deal, and the bond deal occur at different times with different counterparties.
20. A computer-implemented data processing system according to claim 19, further comprising deal management logic coupled to the user interface logic to receive and process data regarding a deal between the investor and a counterparty regarding at least one of the plurality of financial assets including evaluating exposure of the investor based the data regarding the plurality of financial assets; and wherein evaluating exposure of the investor includes evaluating past performance of the particular property over the life of the particular property based on the data regarding the debt deal associated with the debt asset, the equity deal associated with the equity asset, and the bond deal associated with the bond asset.
21. A computer-implemented data processing system according to claim 20, wherein evaluating exposure of the investor includes evaluating past performance of a counterparty.
22. A computer-implemented data processing system according to claim 20, wherein evaluating exposure of the investor includes evaluating past performance of financial assets in a particular geographic region.
23. A computer-implemented data processing system according to claim 7, wherein the deal management logic evaluates exposure of the investor based upon the data regarding the plurality of financial assets; and wherein evaluating exposure of the investor includes evaluating past performance of the particular property over the life of the particular property based on the data regarding the debt deal associated with the debt asset, the equity deal associated with the equity asset, and the bond deal associated with the bond asset.
24. A computer-implemented data processing system according to claim 23, wherein evaluating exposure of the investor includes evaluating past performance of a counterparty.
25. A computer-implemented data processing system according to claim 23, wherein evaluating exposure of the investor includes evaluating past performance of financial assets in a particular geographic region.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. An apparatus for measuring bulge of a container comprising:
an extensible frame having an interior ledge dimensioned to maintain the container in a snug fit relationship within a rectilinear aperture formed by the extensible frame;
a plurality of sensor assemblies coupled orthogonally to the extensible frame, the plurality of sensor assemblies in communication with centroidal areas of panels forming the container and adapted to output signals corresponding to measured deflections induced applied upon the panels by an external load applied upon the container; and,
an output processing unit operatively coupled to the plurality of sensor assemblies for outputting the measured deflections in either a human cognizable format or a machine readable format.
2. The apparatus of claim 1 wherein the measured deflections represent bulging of the container at least at the centroidal areas of the panels.
3. The apparatus of claim 1 wherein the interior ledge is disposed along the periphery of the rectilinear aperture.
4. The apparatus of claim 1 wherein the extensible frame is extensible in at least two dimensions.
5. The apparatus of claim 4 wherein the extensible frame comprises:
a set of beams, each of the beams being slidably coupled at about one end with a longitudinal slot of another beam aligned orthogonally to the slidably coupled beam.
6. The apparatus of claim 1 wherein each of the sensor assemblies comprise:
a platen to abut against a panel of the container in a face-to-face relationship such that a deflection of the panel induces displacement of the platen;
a sensor for converting the displacement of the platen into a signal readable by the output processing unit.
7. The apparatus of claim 1 wherein the container is one of; a corrugated fiberboard container, a metal container and a plastic container.
8. An apparatus for measuring bulge of a container comprising:
an extensible frame having an interior ledge dimensioned to maintain the container in a constant geometry within a rectilinear aperture formed by the frame;
a first repositionable sensor assembly aligned with an X-axis of the container and in communication with an approximate centroidal of a first panel of the corrugated container;
a second repositionable sensor assembly aligned with a Y-axis of the container and in communication with an approximate centroidal area of a second panel of the container;
a third repositionable sensor assembly aligned with a Z-axis of the container and in communication with an approximate centroidal of a third panel of the container;
the first, second and third repositionable sensor assemblies adapted to output signals corresponding to measured deflections induced upon any of the first, second and third panels by an external load applied upon the container;
an output processing unit operatively coupled with the first, second and third repositionable sensor assemblies for simultaneously outputting the measured deflections in either a human cognizable format or a machine readable format, the outputted measured deflections representing bulging of the container along any of the X, Y and Z-axes of thereof.
9. The apparatus of claim 8 wherein the container is a corrugated fiberboard container.
10. The apparatus of claim 8 wherein each of the first, second or third repositionable sensor assemblies comprise:
a platen to abut against a respective first, second or third panel of the container in a face-to-face relationship such that a deflection of the respective first, second or third panel induces displacement of the platen;
a sensor adapted to convert the displacement of the platen into a signal readable by the output processing unit.
11. The apparatus of claim 10 wherein at least two of the first, second or third repositionable sensor assemblies comprise:
a repositionable riser adapted to allow positioning of the respective first, second or third repositionable sensor assemblies in planes which parallel the respective first, second or third panels.
12. The apparatus of claim 10 wherein each of the first, second or third repositionable sensor assemblies comprise:
communicating means for communicating the displacement of the platen to the sensor.
13. The apparatus of claim 12 wherein the communicating means is a pushrod.
14. The apparatus of claim 10 wherein at least two of the first, second or third repositionable sensor assemblies further comprise:
a bracket repositionably coupled with the extensible frame and adapted to allow repositioning of the respective first, second or third sensor assemblies in planes which parallel a face of the respective first, second or third panels.
15. The apparatus of claim 8 wherein the extensible frame comprises:
a set of beams, each beam being slidably coupled at about a proximal end with a longitudinal slot of another orthogonally aligned beam;
an outer leg extending downward from about a distal end of each in a dimension which parallels the Y-axis.
16. The apparatus of claim 15 wherein each of the beams further comprise:
an inner leg coupled at about the proximal end and aligned in a parallel spaced relationship with the outer leg.
17. The apparatus of claim 8 wherein the external load is uniformly applied along the Y-axis to a fourth panel opposite the second panel such that the container is compressed between the frame and the external load.
18. The apparatus of claim 8 wherein the interior ledge spans about 0.5 inch width of the extensible frame and forms a perimeter of the rectilinear aperture.
19. An apparatus for measuring bulge of a container comprising:
an extensible frame having an interior ledge dimensioned to maintain the container in a snug fit relationship within a rectilinear aperture formed by interior walls of the extensible frame, the extensible frame formed from a set of beams, each of the beams being slidably coupled at about one end with a longitudinal slot of another beam aligned orthogonally to each slidably coupled beam;
triaxial sensor assemblies in communication at about centroidal areas of orthogonally aligned panels forming the container and adapted to output signals corresponding to measured deflections induced applied upon the panels by an external load applied upon the container; and,
output processing unit operatively coupled to the triaxial sensor assemblies for simultaneously outputting the measured deflections in either a human cognizable format or a machine readable format, the outputted measured deflections representing bulging of the container along any of the X, Y and Z axes of thereof;
wherein at least two of the triaxial sensor assemblies are repositionably coupled with the extensible frame.
20. The apparatus of claim 19 wherein each of the beams comprises:
a pair of legs disposed in a parallel spaced relationship at about proximal and distal longitudinal ends of the beams.
21. The apparatus of claim 19 wherein the container is shaped as a polyhedron.
22. The apparatus of claim 21 wherein the polyhedron is one of a cube or a regular prism.
23. A method for measuring bulge of a container using the apparatus of claim 1 comprising:
adjusting the extensible frame to snuggly receive the container within the rectilinear aperture;
disposing the container within the rectilinear aperture such that upright panels of the container are encompassed by the extensible frame and a bottom panel of the container is flush with at least a portion of the interior ledge;
applying the external load upon a top panel of the container opposite the bottom panel;
receiving the measured deflections output from the output processing unit in either a human cognizable format or a machine readable format.
24. The method of claim 23 wherein the container is one of; a corrugated fiberboard container, a metal container and a plastic container.
25. A method for measuring bulge of a container using the apparatus of claim 8 comprising:
adjusting the extensible frame to snuggly receive the container within the rectilinear aperture;
disposing the container within the rectilinear aperture such that upright panels of the container are encompassed by the extensible frame and a bottom panel of the container is flush with at least a portion of the interior ledge;
repositioning the first, second and third repositionable sensors assemblies such that platens associated with the sensor assemblies abut with the centroidal areas of the first, second and third panels respectively;
applying the external load upon a fourth panel of the container opposite the third panel;
receiving the measured deflections output from the output processing unit in either a human cognizable format or a machine readable format.
26. The method of claim 25 wherein the container is a corrugated fiberboard container.
27. A method for measuring bulge of a container using the apparatus of claim 19 comprising:
adjusting the extensible frame to snuggly receive the container within the rectilinear aperture formed by the interior walls of the extensible frame;
disposing the container within the rectilinear aperture such that upright panels of the container are encompassed by the extensible frame and a bottom panel of the container is flush with at least a portion of the interior ledge;
repositioning the triaxial sensor assemblies such that platens associated with each of the triaxial sensor assemblies abut with the centroidal areas of the orthogonally aligned panels;
applying the external load upon a top panel of the container opposite the bottom panel;
receiving the measured deflections output from the output processing unit in either a human cognizable format or a machine readable format.
28. The method of claim 27 wherein the container is a corrugated fiberboard container.