BONDING ADJACENT TV BANDS, SUB-CARRIER ALLOCATION, DATA BURST DEFINITION AND SPREAD OFDMA IN A PHYSICAL LAYER FOR IEEE 802.22 WRAN COMMUNICATION SYSTEMS

摘要

A method and system of calculating debt service capacity of a loan applicant includes capturing, indexing, reclassifying and grouping transaction data and profile data of the loan applicant. Next, capturing a loan structure, risk factors, financial variables and reconciliation rules and finally using the aforementioned and loan applicants'' data and cash flow projections to calculate loan applicants'' debt service capacity with time value of money calculations. Fig.1