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US08126796B2 System and method for automatically investing a portion of interest charged in a mortgage installment payment 失效
自动投资按抵押分期付款支付的部分利息的制度和方法

  • Patent Title: System and method for automatically investing a portion of interest charged in a mortgage installment payment
  • Patent Title (中): 自动投资按抵押分期付款支付的部分利息的制度和方法
  • Application No.: US11622708
    Application Date: 2007-01-12
  • Publication No.: US08126796B2
    Publication Date: 2012-02-28
  • Inventor: Bryan Francis Blair
  • Applicant: Bryan Francis Blair
  • Agency: GFD Patents LLC
  • Agent Gerald F. Dudding
  • Main IPC: G06Q40/00
  • IPC: G06Q40/00
System and method for automatically investing a portion of interest charged in a mortgage installment payment
Abstract:
A method and a system are provided to allocate a borrower's monthly home loan repayments to a loan provider to an interest payment account and an equity accrual account; and, to further allocate to a retirement or education account a monthly amount of savings that is correlated to that portion of each monthly home loan repayment comprising interest on the loan. The monthly amount of savings allocated to the retirement or education account is computed by multiplying that portion of each monthly home loan repayment comprising interest on the loan by a savings rate that is a function of an economic benchmark.
Abstract(Chinese):

提供了一种方法和系统，用于将贷款人的每月住房贷款偿还分配给贷款提供者到利息支付账户和权益发生账户; 并且为了进一步分配到退休或教育账户，每月的每个月的住房贷款还款部分相关的储蓄包括贷款利息。 分配给退休或教育账户的每月储蓄金额是通过将包括利息在内的每个每月住房贷款偿还部分乘以一个作为经济基准的函数的储蓄率来计算的。

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