Patent ID: 7729980

Claim:
A method utilizing an advance-incentive-loan computer system to provide an advance-incentive loan to a purchaser in association with projected future purchase of goods or services from a seller, the method comprising: projecting by the computer system a value of agreed-upon incentives to be applied to actual future purchases over a period of time, wherein the computer system is configured to project the value of said agreed-upon incentives by: estimating a volume of the projected future purchases to be made by the purchaser over said period of time based on past purchase volumes; calculating a projected sales revenue for the seller at a first price for the projected future purchases over said period of time; calculating a projected sales revenue for the seller at a second price for the projected future purchases over said period of time, the second price being less than the first price and being determined based on the estimated volume of the projected future purchases; and calculating the difference between the projected sales revenue at the first price over said period of time and the projected sales revenue at the second price over said period of time; and providing by said computer system the advance-incentive loan to the purchaser, wherein an amount of the advance-incentive loan is based on a present value of the projected value of the agreed-upon incentives calculated using an interest rate and said period of time, and wherein payments made by the purchaser in association with actual future purchases include an amount of interest on the advance-incentive loan.