WO2022107048A1 - Système en réseau destiné à la gestion de transactions d'actifs et de portefeuilles d'actifs - Google Patents

Système en réseau destiné à la gestion de transactions d'actifs et de portefeuilles d'actifs Download PDF

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Publication number
WO2022107048A1
WO2022107048A1 PCT/IB2021/060722 IB2021060722W WO2022107048A1 WO 2022107048 A1 WO2022107048 A1 WO 2022107048A1 IB 2021060722 W IB2021060722 W IB 2021060722W WO 2022107048 A1 WO2022107048 A1 WO 2022107048A1
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WO
WIPO (PCT)
Prior art keywords
price
asset
reservations
strike
assets
Prior art date
Application number
PCT/IB2021/060722
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English (en)
Inventor
Ashley Dale OSBORNE
John Kenyon CLARKE
Original Assignee
Du Val Ip Holdings Limited
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 Du Val Ip Holdings Limited filed Critical Du Val Ip Holdings Limited
Publication of WO2022107048A1 publication Critical patent/WO2022107048A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0605—Supply or demand aggregation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted

Definitions

  • This invention relates to a networked system for the management of asset transactions and asset portfolios.
  • the present invention may be used in the purchase of other real estate asset classes such as commercial property, including office, industrial and retail buildings which comprise multiple different ownership interests either via Strata, Community or other forms of Title which allow for direct ownership. It can also be used for goods such as furniture procured for the use of tenants and occupiers. In addition the invention can be applied to services such as accounting or property management services both procured in the operation and management of real estate assets.
  • other real estate asset classes such as commercial property, including office, industrial and retail buildings which comprise multiple different ownership interests either via Strata, Community or other forms of Title which allow for direct ownership. It can also be used for goods such as furniture procured for the use of tenants and occupiers.
  • the invention can be applied to services such as accounting or property management services both procured in the operation and management of real estate assets.
  • Another difficulty for individual investors is their inability to compete in a transparent way with the bargaining power of larger entities such as institutional investors.
  • a digital platform-based system for enabling asset transactions configured to: a) Receive multiple asset details of assets in an asset group into a digital platform, and b) Provide potential purchasers access to the asset details, including a retail asking price and at least one strike price, and c) Receive reservations as inputs to the system from the potential purchasers to reserve the right to purchase an asset from the asset group, and d) Calculate a dynamic price based on the retail asking price, number of reservations, a total allocation of units and a total potential discount, and e) Compare the dynamic price with the strike price associated with the number of reservations received, and either f) Notify the potential purchasers of a non- sale if the dynamic price is above the strike price, g) Notify the potential purchasers of a sale and converting the reservation into a non- refundable deposit if the dynamic price is less than or equal to the strike price
  • the asset is real property (real estate) such as residential property.
  • the asset is real estate
  • the digital platform can be any media that allows for access by the purchasers to the system and can include a website, mobile phone application, social media pages, internal intranets of financial professionals. Note that these examples should not be seen as limiting.
  • the retail asking price in most situations is likely to be the price that an individual purchaser would expect to pay if not part of a group buying scheme and is also likely to be the maximum sale price for the asset.
  • the strike price is a price set by the owner of the asset group. For example, a property developer may choose a range of strike prices for an individual asset, and the strike price is selected from the range of strike prices depending on how many reservations are received for the asset group. For example, the strike price will most likely be lower if the reservations are higher, i.e. the strike price is inversely proportional to the number of reservations. That is, bulk buying leads to bulk discounts.
  • the dynamic price will be recalculated down, i.e. the dynamic price is inversely proportional to the number of reservations.
  • the dynamic price is inversely proportional to the number of reservations.
  • Dynamic Price Retail Asking Price - ((Number of Reservations/Total Allocation of Units) x Total Potential Discount)
  • Dynamic Pricing algorithm is a unique algorithm that allows investors to use their combined buying power to lower the cost of investments. When enough investors get involved, it has the same impact as an institutional investor.
  • the Dynamic Pricing algorithm seeks to mimic the buying power of a large instructional investor by releasing part of a pre-agreed, pre-negotiated discount to a series of investors whereby part of the discount is released proportional to the investors based on the number who commit to purchase a property.
  • a digital platform-based system for comparing the attributes of a number of assets configured to: a) prompt a user of the system to manually input data relating to one or more of the following - i. Residential Status & Investment Type ii. Purchase information iii. Payments iv. Rental Information v. Expenses vi. Mortgage Details vii. Growth Factors viii. Depreciation b) Then, populate the inputted information into different financial model structures, and c) Apply personal and/or jurisdictional variables to the financial model structures, and d) Output to the user a comparative overview of the assets.
  • the asset is real property such as residential property.
  • the asset may be apartments and the asset group a set of apartments. It should be appreciated however that the present invention can apply to other assets as discussed in the Field of the Invention section above.
  • the digital platform can be any media that allows for access by the purchasers to the system and can include a website, mobile phone application, social media pages, internal intranets of financial professionals. It should be appreciated that these examples should not be seen as limiting.
  • This second aspect of the invention provides a means by which an investor can readily compare multiple investments across multiple jurisdictions and seeing their true value in relation to each other.
  • a digital platform including the first and second aspects of the present inventions as described above.
  • the digital platform may be a website.
  • the website may also include other features such as the ability to access residential market data from multiple countries and provide outputs including, demographic data, sales data and rental data. As well as investor and country guides, blogs and other news streams.
  • the platform operates as a members only technology platform designed to disrupt the new build residential space, by providing its members the unique ability to access detailed demographic data, market information, as well as the ability to analyse and compare different investment opportunities as well as the ability to purchase leveraging the economy of scale driven by collective investment.
  • Figure 1 Illustrates in a flow chart the onboarding and mobilisation of Phase 1
  • Figure 2 illustrates a dynamic pricing matrix
  • Figure 3 illustrates Upload of Project Information
  • Figure 4 illustrates the My Dashboard page
  • Figure 5 illustrates the Search New Properties' page
  • Figure 6 illustrates the filters in the Search New Properties page
  • Figure 7 illustrates a Specific Project page
  • Figure 8 illustrates further data on a project page
  • Figure 9 illustrates another Dynamic Pricing Matrix
  • Figure 10 illustrates a page showing the running of a financial analysis
  • Figure 11 illustrates a page showing Add a Property
  • Figure 12 illustrates a page showing Name the Investment
  • Figure 13 illustrates a Financial Input Screen
  • Figure 14 illustrates another Financial Input Screen
  • Figure 15 illustrates an Income Screen
  • Figuresl6 illustrates Capital Value versus outstanding mortgage
  • Figure 17 illustrates another Capital Value versus outstanding mortgage
  • Figure 18 illustrates a screen showing the property as an investment in a portfolio
  • Figure 19 illustrates another screen showing the property as an investment in a portfolio
  • Figure 20 illustrates an Add to Compare Screen
  • Figure 21 illustrates a View Compare screen
  • Figure 22 illustrates a tabular comparison of multiple investments
  • Figure 23 illustrates a graphical view of investor position
  • Figure 24 illustrates another graphical view of investor position
  • Figure 25 illustrates a graphical view of investor return in different currencies Brief Description of a Preferred Embodiments of the Invention
  • the Dynamic Pricing algorithm is developed and occurs in four key phases as set out below.
  • PropTech a generic term referring to the use of information technology (IT) to help individuals and companies research, buy, sell, and manage real estate
  • the PropTech will be approached or will be in communication by developers who wish to sell their new development off the plan. Once a potential development has been identified a sourcing team at the will undertake an initial pre-screening due diligence process whereby, they will confirm the following information:
  • the developer has Title to (or has an option to acquire) the land on which the proposed development will be built
  • the developer has a track record and capacity to deliver the contemplated development
  • Typical attributes will include (but not be limited to), the number of bedrooms, the height in the building, the proposed specification of the apartments, the amount and quality of any outside space (including car parking), the shared amenities in the development, the view and aspect of the unit as well as the impact of any external environmental factors on the apartment, such as road noise, etc.
  • Dynamic Pricing Matrix in addition to the retail price (together with the methodology in establishing it) the PropTech will prepare a Dynamic Pricing Matrix for the development. This is a high-level document, which represents an output of the potential price outcomes of each unit from the Dynamic Pricing algorithm depending on the number of sales.
  • the terms of reference for the Dynamic Pricing Matrix is to agree the following: a. Allocation of Units - an agreement on which units will be released for sale via the Dynamic Pricing algorithm, this could be either all or a portion of the units in the development b. Retail Price - the retail price of all the units in the development (as set out above) c. Base Price - the amount at which the developer would be willing to sell the full allocation of units in the development in a single linked transaction. In establishing the Base Price, the Dynamic Price Matrix will establish a Base Price for each individual unit, not all base prices represent an equal discount to the retail price. Establishing the Base Price, the Base Price theoretically represents that proportion of the saving that a developer is willing to pass on to investors which represent: a.
  • Dynamic Pricing Matrix is set out below with reference to Figure 2.
  • the example Dynamic Pricing matrix is a simplified example based on relatively straight forward example of the sale of 10 apartments withing a building, whereby we have assumed the following:
  • the 'Strike Price' could be agreed at any potential number of sales from 1 to 9 sales
  • the PropTech sourcing team will agree the Dynamic Pricing Matrix, this will likely require several discussions and negotiations to agree the correct balance between the overall discount available, the number of units to be included in the allocation. In addition, it is likely the developer will have an internal approval process which will need to be met to achieve the agreed pricing.
  • EDM Electronic Direct Mail
  • Project Briefing Presentation a power point presentation is produced which sets out in detail the salient points of the development, this specifically includes the following information: a. Location of the development, together with relevant local amenity and demographic information b. Travel times, from the development of local points of interest and areas of economic activity c. Summary of the physical development d. Strengths, weaknesses, opportunity, and threat analysis for the development e. Information about competing developments f. Discussion of competing scheme pricing g. Assessment of local rental market, including potential tenant pool and forecast rentals h. Track record of the developer i. Summary of the apartments for sale using the Dynamic Pricing algorithm
  • Purpose the purpose of the document for Portfolio Advisers to use to brief members on the project available for sale either, in person or virtually.
  • Project Investment Memorandum a detailed document is produced, which is designed to provide members with a detailed understanding of the development, and the surrounding market. The intention is to provide a member with enough information to make an informed investment decision.
  • the document includes: a. Executive Summary b. Location overview and detailed demographic and market information c. Summary of all the properties in the development d. Development specification e. Development SWOT analysis f. Detailed market analysis g. Detailed discussion of competing schemes in the local market h. Discussion of comparable sale evidence i. Discussion of Rental Market j. Overview of Developer k. Details of available apartments 4.
  • CSV Project Upload Files - details of the project and properties as well as the retail price, base price and strike price for each unit are populated into three specific documents: a. Unit Information b. Project Information c. Local amenity information
  • a Due Diligence Pack is prepared, this is a detailed information pack which confirms the following:
  • the project information is uploaded to the site using an admin panel, the information is uploaded to the following locations on the platform.
  • the first part of the marketing process is that all members will receive the EDM to say the project is live for sale on the platform. Members can either login to the platform and view the information or contact their Portfolio Adviser.
  • Portfolio Advisers will also call their allocated members (we work to a ratio of 2,000 members per Portfolio Adviser) to advise them that Du Vai PropTech has a new project for sale.
  • Dynamic Pricing algorithm process is set out below.
  • the current Dynamic Price is the trending price for each specific unit is simply the price of the apartment at that specific time (based on the number of reservations). This can be seen in the Dynamic Pricing Matrix, taking the example set out previously if 5 apartments had been reserved then the Dynamic Price would be USD 95,000.
  • the Strike Price is essentially an established point of no return. Whereby a member can see the maximum price at which they would have to pay for the apartment, and this represents the minimum price the developer would be willing to accept for the apartment based on a minimum number of sales.
  • the algorithm itself is quite simple in its operation, it essentially apportions part of the total potential available discount (the difference between retail price and the base price).
  • the Dynamic Price is above the Strike Price - in which case no deal has been agreed; or
  • the Dynamic Price is equal to or below the Strike Price - in which case a deal has been agreed Phase 4 - Reservation Process
  • a reservation form is produced which sets out the terms of the purchase. These include details of the property, the legal address, the retail price of apartment as well as the Strike Price. The document also sets out that they are required to pay a reservation fee to secure the property, which will become non-refundable once the Strike Price has been met and will be returned to the user in the event the Strike Price is not met. It also requires the purchaser to formally exchange contracts within 7 days of the completion of the sales campaign if the Strike Price was met.
  • the purchaser is taken through to a merchant gateway and the reservation fee is processed.
  • the purchaser is sent an email to confirm whether or not the Strike Price was met. If the Strike Price was not met their reservation payment is refunded. If the Dynamic Price was equal to or less than the Strike Price the purchaser is advised that the campaign was successful.
  • the financial analysis tool is accessed within the platform via two different scenarios:
  • Scenario 1 Via a "Run a Financial Analysis” a button on a left-hand navigation bar (which is constantly on all pages of platform) or through a quick link in thein the main body of the home page of the platform (website) as can be seen in Figure 10.
  • the user After determining that the user intends to undertake a financial analysis (via one of the two scenarios set out above), the user is taken to an input screen.
  • Potential inputs by the user may take into account the following:
  • the present invention can use a number of different financial structures - depending on the requirements of the user. However, it is envisaged that the following structures will have particular appeal.
  • the model builds a mortgage payment structure, to determine the payments payable based on the relevant inputs.
  • the cashflow breaks the cost and expense items, into the following primary inputs:
  • the analysis schedule determines the specific tax costs relative to the inputs which the user has selected (i.e. resident or no-resident), together with any income the user has indicated).
  • Forecast income specific to that person's scenario:
  • Figure 15 illustrates Income as described above.
  • Figures 16 & 17 illustrate Capital Value versus outstanding mortgage This financial output can then be used simply to determine the quality and appropriateness of the investment together with:
  • the output can be added to a comparison function to compare the key financial metric against other investments
  • the output can be added to a portfolio tracking tool (as if the investment is now owned by the user)
  • the output shows the property as an investment in a portfolio and provide the following information:
  • Operational Leakage ie. Cost of managing asset(s) expressed as a percentage
  • the user has the option to compare different Financial Proforma outputs using a comparison function, the function is accessed by selecting a 'Add to Compare Button'. This can be seen in Figure 20. Once selected the system will provide the user with a confirmation the analysis has been added to the comparison function. The user then selects a 'View Compare' button as can be seen in Figure 21.
  • Figures 23 & 24 illustrate graphic representation of:
  • the User can also view the return in different currencies, by changing a currency toggle.
  • the invention may also be said broadly to consist in the parts, elements and features referred to or indicated in the specification of the application, individually or collectively, in any or all combinations of two or more of said parts, elements or features.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
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  • Development Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
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  • Operations Research (AREA)
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Abstract

Un système basé sur une plate-forme numérique servant à permettre des transactions d'actifs est configuré pour recevoir des réservations en tant qu'entrées dans le système provenant d'acheteurs potentiels pour réserver le droit d'acheter un actif parmi un groupe d'actifs. Le système calcule un prix dynamique sur la base d'un prix de demande de vente au détail, d'un nombre de réservations, d'une attribution totale d'unités et d'une réduction potentielle totale et compare le prix dynamique à un prix d'exercice associé au nombre de réservations. Le système informe les acheteurs potentiels d'une non-vente si le prix dynamique est supérieur au prix d'exercice, ou d'une vente si le prix dynamique est inférieur ou égal au prix d'exercice. Lorsqu'une vente est faite, le système convertit la réservation en acompte non remboursable.
PCT/IB2021/060722 2020-11-20 2021-11-18 Système en réseau destiné à la gestion de transactions d'actifs et de portefeuilles d'actifs WO2022107048A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NZ770158 2020-11-20
NZ77015820 2020-11-20

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WO2022107048A1 true WO2022107048A1 (fr) 2022-05-27

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100145825A1 (en) * 2008-09-03 2010-06-10 Move, Inc. Mortgage and real estate data integration and presentation system
US20110218934A1 (en) * 2010-03-03 2011-09-08 Jeremy Elser System and methods for comparing real properties for purchase and for generating heat maps to aid in identifying price anomalies of such real properties
US20110246271A1 (en) * 1999-05-12 2011-10-06 Ewinwin, Inc. Flexible ship schedules and demand aggregation
US20130166362A1 (en) * 2011-10-04 2013-06-27 Bag That Trading Limited System And Method For Promotional Discounted Aggregated Purchasing
US20140074642A1 (en) * 2012-09-04 2014-03-13 Squaboo, Inc. Internet discounted volume pricing system
US20140358943A1 (en) * 2013-05-28 2014-12-04 n35t, Inc. Method and System for Determining Suitability and Desirability of a Prospective Residence for a User

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110246271A1 (en) * 1999-05-12 2011-10-06 Ewinwin, Inc. Flexible ship schedules and demand aggregation
US20100145825A1 (en) * 2008-09-03 2010-06-10 Move, Inc. Mortgage and real estate data integration and presentation system
US20110218934A1 (en) * 2010-03-03 2011-09-08 Jeremy Elser System and methods for comparing real properties for purchase and for generating heat maps to aid in identifying price anomalies of such real properties
US20130166362A1 (en) * 2011-10-04 2013-06-27 Bag That Trading Limited System And Method For Promotional Discounted Aggregated Purchasing
US20140074642A1 (en) * 2012-09-04 2014-03-13 Squaboo, Inc. Internet discounted volume pricing system
US20140358943A1 (en) * 2013-05-28 2014-12-04 n35t, Inc. Method and System for Determining Suitability and Desirability of a Prospective Residence for a User

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