Patent ID: 8468079

Claim:
A method of creating liquidity in one or more assets of one or more borrowers, the method including steps executed by at least one computer processor coupled to at least one non-transitory computer storage medium having stored computer instructions used in performing such steps, the method comprising: establishing a current market value for at least one asset of a borrower and electronically storing the current market value in the at least one non-transitory computer storage medium; generating an index having at least one component related to a market to which the at least one asset belongs by the at least one computer processor and electronically storing the index in the at least one non-transitory computer storage medium; providing an upfront initial payout from a lender to the borrower as a holder of the at least one asset and electronically recording the initial payout in the at least one non-transitory computer storage medium; defining a payment stream as a repayment obligation by the borrower of the initial payout, using the at least one computer processor, the payment stream having one or more payments from the borrower to the lender; electronically determining a change in the index, using the at least one processor; and adjusting the payment stream as a function of the change in the index, using the at least one computer processor, wherein changes in the payment stream reflect changes in the market to which the at least one asset belongs.