Patent ID: 8438090

Claim:
One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising: selling an index-linked note with a maturity date to a purchaser in exchange for payment of principal by the purchaser; periodically determining whether a specified triggering event has occurred, wherein the triggering event comprises a death of the purchaser of the index-linked note or a death of a reference person; responsive to determining that the specified triggering event has occurred, ceasing payment of periodic coupons associated with the index-linked note to the purchaser; responsive to determining that the specified triggering event has not occurred, calculating a coupon amount for payment to the purchaser of the index-linked note for a corresponding time period, wherein the coupon amount is equal to a product of: a principal of the index-linked note and a return of a specified financial index for the corresponding time period if the return of the specified financial index is less than a specified cap return but greater than a specified floor return; the principal of the index-linked note and the specified cap return if the return of the specified financial index for the corresponding time period is greater than the specified cap return and greater than the specified floor return; and the principal of the index-linked note and the specified floor return if the return of the specified financial index for the corresponding time period is less than the specified floor return and less than the specified cap return.