Patent ID: 7693772
Filing Date: 2010-04-06
Classification: G06Q

Abstract:
1. A computer-implemented method comprising: receiving a plurality of funds to be invested in a structured note, utilizing at least one processor and memory, wherein the structured note guarantees the payment of periodic minimum fixed interest, the payment of periodic contingent interest, if any, and the return of the principal funds upon reaching a maturity date of the structured note; establishing investment parameters for the structured note, wherein the investment parameters include a time duration for an investment period and a percentage distribution of the funds between a pooled fixed component, a pooled distribution contingent component, and a pooled reinvestment contingent component; investing first portions of the plurality of funds in the pooled fixed component generating principal plus pooled fixed interest based on parameters of the structured note; investing second portions of a first set of the plurality of funds in the pooled distribution contingent component generating first pooled contingent interest based on parameters of the structured note; investing second portions of a second set of the plurality of funds in the pooled reinvestment contingent component generating second pooled contingent interest based on parameters of the structured note; determining, based on parameters of the structured note, when to selectively distribute at least a portion of the pooled fixed interest, wherein the processor determines the portion of the pooled fixed interest using instructions stored in memory; distributing at least a portion of the pooled fixed interest; determining, based on parameters of the structured note, when to selectively distribute at least a portion of the first pooled contingent interest, wherein the processor determines the portion of the first pooled contingent interest using instructions stored in memory; distributing at least a portion of the first pooled contingent interest; re-investing at least a portion of the second pooled contingent interest in the pooled reinvestment contingent component based on parameters of the structured note, wherein the processor determines the re-investment portion using instructions stored in memory; determining, based on parameters of the structured note, when to end an investment period, wherein the processor determines the end of an investment period using instructions stored in memory; and distributing all of the pooled fixed component, the pooled distribution contingent component, the pooled reinvestment contingent component, a remaining portion of the pooled fixed interest, and a remaining portion of the first pooled contingent interest and the second pooled contingent interest when the investment period has ended.