Patent ID: 8473408
Filing Date: 2013-06-25
Classification: G06Q

Abstract:
1. A computer-implemented method comprising: receiving principal funds from a plurality of individual investors to be invested in a structured note, wherein the receiving of principal funds utilizes at least one processor and memory, the principal funds are received by a first issuer limited liability entity and the structured note includes parameters specifying that principal funds will be invested in a fixed component of the structured note and a contingent component of the structured note, guarantees the payment of periodic minimum fixed interest, the payment of periodic contingent interest and the return of the principal funds upon reaching a maturity date of the structured note, and at least one processor executes instructions on memory to track and maintain the received principal funds in an associated database; receiving principal funds from a plurality of multiple-investor entities to be invested in the structured note, wherein the receiving of principal funds utilizes at least one processor and memory, wherein the principal funds are received by a second issuer limited liability entity, and at least one processor executes instructions to track and maintain the received principal funds in an associated database; investing a first portion of the received principal funds in a fixed component of the structured note that generates an amount equal to the received principal funds by the maturity date plus a periodic fixed interest based on parameters of the structured note, wherein the investing a first portion of the received principal funds utilizes at least one processor and memory, wherein the investing the first portion of the principal funds includes: the first issuer limited liability entity providing a fixed component investing entity with a first portion of the principal funds from the plurality of individual investors, wherein at least one processor executes instructions to determine the first portion of the principal funds from the plurality of individual investors; and the second issuer limited liability entity providing the fixed component investing entity with a first portion of the principal funds from the plurality of multiple-investor entities, wherein at least one processor executes instructions to determine the first portion of the principal funds from the plurality of multiple-investor entities, wherein the fixed component entity invests the provided first portions in a fixed investment; investing a second portion of the received principal funds in a contingent component of the structured note that generates periodic contingent interest based on parameters of the structured note, wherein the investing a second portion of the received principal funds utilizes at least one processor and memory, wherein the investing the second portion comprises: the first issuer limited liability entity providing a feeder investing limited liability entity a second portion of the principal funds from the plurality of individual investors, wherein at least one processor executes instructions to determine the second portion of the principal funds from the plurality of individual investors; the second issuer limited liability entity providing the feeder investing limited liability entity a second portion of the principal funds from the plurality of multiple-investor entities, wherein at least one processor executes instructions to determine the second portion of the principal funds from the plurality of multiple-investor entities; and the feeder investing limited liability entity selectively investing the provided second portions in a plurality of investing limited liability entities; determining a re-investment portion of the fixed interest based on parameters of the structured note, wherein at least one processor determines the re-investment portion of the fixed interest using instructions stored in memory; determining a re-investment portion of the contingent interest based on parameters of the structured note, wherein at least one processor determines the re-investment portion of the contingent interest using instructions stored in memory; re-investing the re-investment portion of the fixed interest in the fixed component of the structured note, wherein the re-investing the re-investment portion of the fixed interest in the fixed component of the structured note utilizes at least one processor and memory; re-investing the re-investment portion of the contingent interest, if any, in the contingent component of the structured note, wherein the re-investing the re-investment portion of the contingent interest in the contingent component of the structured note utilizes at least one processor and memory; periodically distributing the periodic minimum fixed interest, wherein the periodically distributing the periodic minimum fixed interest utilizes at least one processor and memory; periodically distributing the periodic contingent interest, wherein at least one processor determines whether to distribute the periodic contingent interest and when to distribute the periodic contingent interest based on instructions stored in memory; and upon reaching the maturity date, distributing an amount equal to the received principal funds, wherein the distributing an amount equal to the received principal funds utilizes at least one processor and memory.