Patent ID: 8200573

Claim:
A system for optimization of variables comprising: a buyer finance system for electronically receiving asset data and buyer finance data; a seller variable system for electronically receiving the asset data and the buyer finance data and for applying a seller variable distribution using electronic data processing to generate seller transaction state data; a finance variable system for receiving the asset data and the buyer finance data and for applying a finance variable distribution to generate finance transaction state data; a variable optimization system for receiving the seller transaction state data and the finance transaction state data and for generating transaction approval data if predetermined conditions are met, and for generating modified transaction data if the predetermined conditions are not met, wherein the modified transaction data includes one or more alternate assets having an asset value that results in the predetermined conditions being met or exceeded; wherein the variable optimization system is for receiving the asset data and the buyer finance data and modifying the buyer finance data based on the seller transaction state data and the finance transaction state data to generate alternate transaction data; and wherein the buyer finance system for receiving asset data and buyer finance data comprises an electronic data processing system for receiving buyer identification information, buyer income information and buyer asset information, and wherein the variable optimization system selects alternate asset information as a function of the buyer asset information if the predetermined conditions are not met.