Patent ID: 7752104

Claim:
A computer-implemented method of providing credit for goods and services to an investor, comprising: issuing a first security to an investor that requires an issuer to make at least one payment to the investor; granting to the investor as part of the first security credit for goods and services available from one or more approved vendors; transferring a first principal amount from the investor to the issuer for the first security; transferring a portion of the first principal from the issuer to the one or more approved vendors to purchase from the one or more approved vendors a second security, wherein the second security includes a property interest of the one or more approved vendors; transferring to the issuer the second security; providing a computer processor that is linked by a network to one or more computer systems of the one or more approved vendors and that includes an account for the investor; downloading into the computer processor information identifying an amount of credit granted to the investor; electronically providing the information to the one or more computer systems of the one or more approved vendors; electronically receiving one or more reports from the one or more approved vendors with an amount of credit used by the investor; and electronically calculating an amount of credit available in the investor's account.