Patent ID: 7536330

Claim:
An operation financing system comprising: means for preparing a fixed rate financing instrument specifying an operation to be financed, at least one issuing legal entity which issues the financing instrument as evidence of debt to acquire funds to finance the operation, a face value to be paid to said issuing legal entity in exchange for owning the financing instrument, and a fixed interest rate defining periodical interest payments to an instrument holder as a percentage of the face value; means for sending an application for offering the fixed rate financing instrument and financial disclosure regarding at least one operation financed through the fixed rate financing instrument to a governing body that oversees exchange of fixed rate financing instruments for review or registration as required by law; means for delivering to a potential purchaser said financial disclosure, requesting the potential purchaser to acknowledge receipt and review of said financial disclosure as required by law, after finalizing the registration, and confirming acknowledgement of said financial disclosure from the potential purchaser, means for requesting the potential purchaser to specify a purchasing quantity of the fixed rate financing instrument and an account for charging a monitory amount equal to a price multiplying the purchasing quantity; means for verifying availability of the purchasing quantity in inventory and availability of the monitory amount in the account; means for charging the account of the monitory amount and finalizing the purchasing quantity and a purchasing time by the issuing legal entity for the purchaser, if the purchasing quantity is available in inventory and the monitory amount is available in the account; means for informing the purchaser the finalized purchasing quantity and time; and means for financing said operation with the charged monitory amount; and at least one of: (1) means for paying to the purchaser the guaranteed interest payments and the face value as committed by said at least one third party to issuance, if said legal entity defaults, and (2) means for paying to the purchaser said at least one of a fixed-rate dividend d and a fixed-amount dividend after said operation financed through said financing instrument starts making profits, wherein the fixed rate financing instrument further specifies at least one of (1) a guarantee ratio g being defined as a percentage of the interest payments and the face value to be paid back to the instrument holder as committed by at least one third party to issuance, if said issuing legal entity defaults, 0<g<100, and (2) at least one of a fixed-rate dividend d and a fixed-amount dividend to be paid to the instrument holder after an operation financed through said financing instrument starts making profits, said fixed-rate dividend d being defined as a percentage of said profits to be paid to the instrument holder periodically, 0<d<100.