Patent ID: 8781951

Claim:
A method for providing a financing service, the method comprising the steps of: an underwriter computer system receiving from a dealer computer system via a communications network an offer-to-sell a debt instrument associated with a dealer financing of a customer purchase of a product and specifying a down payment and a payment schedule of future payments, the offer-to-sell comprising information about the customer's capacity to make the future payments, collateral for the debt instrument, and credit worthiness of the customer; the underwriter computer system determining a credit score based on the information in the offer-to-sell received from the dealer; the underwriter computer system determining to purchase the debt instrument based on the credit score and the information in the offer-to-sell; the underwriter computer system establishing an account portfolio associated with the dealer; the underwriter computer system simultaneously providing to the dealer computer system via the communications network a plurality of offers for purchasing the debt instrument from the dealer, each offer including unique purchase offer parameters comprising at least a unique advancement amount specifying an advance amount to pay the dealer upon acceptance of the offer and a unique sharing percentage specifying a percentage of the future payments that the underwriter will share with the dealer from the account portfolio, and each offer is based at least in part on at least a portion of the information in the offer-to-sell received from the dealer computer system; the underwriter computer system receiving from the dealer computer system via the communications network an acceptance of one of the plurality of offers; and the underwriter computer system incorporating the debt instrument and the associated unique purchase offer parameters into the account portfolio stored in a database, the account portfolio comprising a plurality of previously-purchased debt instruments associated with the dealer, wherein the account portfolio comprises an initial fixed value which is decreased by the value of incorporated debt instruments.