Patent ID: 8069112

Claim:
A computer-implemented process for determining a structure for financing a purchase of a consumer product, comprising: a. optimizing, using a computer seller profit from a financed sale of one of a plurality of like consumer products based on a plurality of data inputs that, comprise a first data input that is a seller's cost value for the consumer product to be sold from among the plurality of like consumer products, a second data input that is a consumer-defined monthly payment value, a third data input that is a consumer-defined down payment value, and a fourth data input that is selected from a plurality of loan-term lengths; b. based upon the first, second, third, and fourth data inputs, calculating, using the computer the consumer product to be sold a plurality of financial structures at least one of which includes a vehicle purchase price calculated from at least the third data input and an amount financed value calculated using the following equation: A=FP×[ 1−{1+(APR/12)− T], wherein “A” is the amount to be financed, “FP” is the second data input that is a consumer-defined monthly payment value, “APR” is an annual percentage rate, and “T” is loan-term length; c. determining, using the computer from the plurality of financial structures a financial structure that provides a greatest seller profit value; and d. outputting, using the computer one or more terms of the financial structure determined to provide the greatest seller profit value.