Patent ID: 7765147

Claim:
Computer readable memory having executable instructions configured to perform operations comprising: allocating a principal amount of a customer for one or more selected customer investments; determining a cost associated with the one or more selected customer investments; redirecting at least a portion of the principal amount into one or more different investments owned by one or more entities different from the customer; receiving an order of the customer to divest the one or more selected customer investments; determining a value associated with the one or more selected customer investments as if the at least a portion of the principal amount had not been redirected; determining a return amount associated with the one or more selected customer investments as if the at least a portion of the principal amount had not been redirected by calculating a difference between the value and the cost; crediting the customer with at least the return amount associated with the one or more selected customer investments when positive; and crediting the one or more entities different from the customer with at least a portion of a return amount associated with the one or more different investments that is greater than the return amount associated with the one or more selected customer investments.