Patent ID: 8468036

Claim:
Apparatus for providing a financial products market, comprising: a data processing system having a program executing computer, a data storage device, and an output device; a plurality of financial product underwriting standards data records stored in said data storage device containing financial underwriting standards from one or more financial product issuing institutions; computer programs executing on said data processing system for: compiling statistics regarding said plurality of stored data records containing financial product underwriting standards and storing statistics data records in said data storage device; receiving financial product data records in said data storage device; providing from said data processing system said statistics data records to a data processing system participant; and calculating a price to the data processing system participant for said statistics data records provided to the data processing system participant, in which the price is reduced for fees obtained from transactions associated with the data processing system participant in accordance with a predetermined netbacking schedule stored in a netbacking database, and/or based on the data processing system participant providing one or more data records.