System, method, and apparatus for the investment of a debenture credit
OwnerWalsh F. Williaminventor
Life of this patent
Estimating the term…
Abstract
A method and system that produces a single financial product including a security arrangement, legal agreement(s) and technical management facility that aggregates the values of present or future financial cash flows from financial arrangements or securities offered by multiple entities such that the assets and liabilities are combined through agreements and other such arrangements to produce an enhanced portfolio value of the financial products.
Claims20
A system for producing a financial product of enhanced value by managing and processing in real-time a combination of asset and liability products available from more than one source in a separate asset and liability product which utilizes implicit value present in said asset and liability products, each of said liabilities of a customer comprising an initial liability having an initial liability value, and said initial liability value comprises an original value and a current value, said system comprising:
- an electronic management facility in which said liabilities are stored in a pool of liabilities comprising said initial liability of said customer and initial liabilities of said other customers such that (i) said initial liabilities of said other customers are of a same type of liability to that of said initial liability of said customer, (ii) each initial liability of each said other customer comprises an initial liability value, wherein each said initial liability value comprises an original value and a current value, and said electronic management facility (a) collectively manages said initial liabilities in said pool, (b) passes to an investor at least a portion of said current value of each said initial liability in said pool, (c) associates with said customer at least a portion of said current value of each said initial liability in said pool, (d) places in a secondary liability said separate asset and liability product which comprises at least a portion of said current value of each liability and calculates a current calculated value of said initial liability of each customer, and associates said current calculated value of said initial liability with said customer's initial liability, and (e) associates one or more of said customers with said initial liability value, and said current calculated value of said initial liability;
- a browser based internet application in operative communication with said electronic management facility;
- and
- one or more displays in operative communication with said electronic management facility, said browser based internet application providing a menu choice system accessible through said one or more displays, wherein a user may select from among said more than one sources of said assets and said liabilities, view real time performance data associated with said assets and liabilities, purchase said one or more assets from more than one source with said customer's current calculated value of said customer's initial liability such that said one or more assets generate a return on investment, and satisfy said initial liability or other liabilities incurred by said customer with said return on investment via said electronic management facility.
An apparatus for producing a financial product of enhanced value by managing and processing in real-time a combination of asset and liability products available from more than one source in a separate asset and liability product which utilizes implicit value present in said asset and liability products, said apparatus comprising:
- an electronic management facility wherein said electronic management facility collects, stores and associates initial liability values of a customer and one or more other customers, and calculates a current value in said separate asset and liability product from a secondary liability calculated from each of said initial liability values comprising an original value and a current value, and a current calculated value of each of said initial liability values;
- a browser based internet application in operative communication with said electronic management facility;
- and
- one or more displays in operative communication with said electronic management facility, said browser based internet application providing a menu choice system accessible through said one or more displays, wherein a user may select from among said more than one sources of said assets and said liabilities, view real time performance data associated with said assets and liabilities, and purchase one or more assets available from more than one source with said customer's current calculated value of said customer's initial liability value.
A system for producing a financial product of enhanced value by managing and processing in real-time a combination of asset and liability products available from more than one source in a separate asset and liability product which utilizes implicit value present in said asset and liability products, said system comprising:
- an electronic management facility which collects, stores, and associates an initial liability value of a customer and one or more other customers, calculates a current value in said separate asset and liability product from a secondary liability, said initial liability value of each of said customers comprising an original value and a current value, a current calculated value of each of said customer's and one or more other customers' initial liability values;
- a browser based internet application in operative communication with said electronic management facility;
- and
- one or more displays in operative communication with said electronic management facility, said browser based internet application providing a menu choice system wherein a user may select from said more than one sources of said assets and said liabilities, view real time performance data associated with said assets and liabilities, and purchase one or more assets available from more than one source with said customer's current calculated value of said customer's initial liability value.
Dependencies are inferred from the claim text.