Deposit instruments
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United States of America Patent
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N/A
Issued Date -
Dec 25, 2008
app pub date -
Jun 22, 2007
filing date -
Jun 22, 2007
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Among other things, funds are received at an institution the deposits of which are insured by a third party against loss. In a computer, the received funds are attributed to principal of a single deposit instrument maintained by the institution for the benefit of a depositor. The deposit instrument has a defined maturity time as of which all of the principal will have been returned to the depositor. A computer is used to manage a pattern of principal repayment occasions for the deposit instrument, the occasions occurring prior to the maturity time, so that, at each of the occasions, a specified portion of the principal will be, and an additional non-principal amount may be, paid to the depositor. The pattern of principal repayment occasions is predefined to achieve a generic personal financial objective of a set of depositors that includes the depositor.
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