Investment management
First Claim
1. A method of managing financial accounts comprising:
- providing a plurality of deposit accounts with a financial institution;
adjusting the amount in each deposit account as a function of a rate of inflation;
providing at least one loan account with said financial institution using funds deposited with the financial institution;
adjusting the amount in the loan account as a unction of a rate of inflation using an account data processor,paying the deposit accounts; and
receiving repayment of the loan account by said financial institution in a manner where the funds in the loan account obtain a rate of return responsive to a rate of inflation.
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Reexamination
Accused Products
Abstract
Data processing for novel form of relationship management links, supervises, and balances depositors, marketing agents, financial intermediaries, mortgage brokers, and borrowers in an inflation-adjusted financing program. Funds are deposited in participating financial institutions in return for certificates of deposit yielding a fixed rate of interest, plus principal growth at a yearly rate equal to that year'"'"'s rate of growth in the Consumer Price Index-All Urban Consumers, All Items. Funds on deposit are loaned to borrower, either directly or through brokers, at a rate calculated by adding three components: a fixed debt service rate, a fixed constant interest rate, and an inflation factor interest rate which reflects the effects of inflation on the outstanding loan balance. Organizing company sychronizes entire program by contacting depositors through marketing agent, designating institutions to receive depositors'"'"' funds, contacting borrowers directly or through brokers, and by supplying data processing capabilitites to financial intermediaries for purposes of impletation of the program and for analysis of the effects of the program on the intermediaries'"'"' capital structures.
303 Citations
28 Claims
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1. A method of managing financial accounts comprising:
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providing a plurality of deposit accounts with a financial institution; adjusting the amount in each deposit account as a function of a rate of inflation; providing at least one loan account with said financial institution using funds deposited with the financial institution; adjusting the amount in the loan account as a unction of a rate of inflation using an account data processor, paying the deposit accounts; and receiving repayment of the loan account by said financial institution in a manner where the funds in the loan account obtain a rate of return responsive to a rate of inflation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for an institution to manage at least part of a program to provide a depositor of funds a rate of return on said funds variable with a rate of inflation, comprising:
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providing a deposit account by the institution for receiving said funds from said depositor; allocating at least a potion of said funds for obtaining an asset whose rate of return adjusts with inflation; using said allocated funds to obtain said asset whose return adjusts with inflation and is determined using a dataprocessor, said asset comprising a financial instrument having an obligated rate of return indexed to a rate of inflation; and paying said depositor a rate of return on funds relived based on a rate of inflation. - View Dependent Claims (10, 11, 12, 13, 14, 16, 17, 18, 19, 20, 21)
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15. The method of clam 14, said retiring step including the substeps of amortizing the financial instrument over a term.
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22. A method for an institution to manage at least part of a program to provide a depositor of funds a rate of return on said funds variable with a rate of inflation, comprising:
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providing a deposit account by the institution for receiving said funds from said depositor; allocating at least a portion of said funds for obtaining an asset whose rate of return adjusts with inflation, such adjustments being determined using a data processor; using said allocated funds to obtain said asset whose return adjusts with inflation, said asset comprising a mortgage secured by real estate; and paying said depositor a rate of return on funds received based on a rate of inflation. - View Dependent Claims (23, 24)
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25. A method for an institution to manage at least pat of a program to provide a depositor of funds a rate of return on said funds comprising:
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providing a deposit account by the institution for receiving said funds from said depositor; paying said depositor a rate of return on funds received based on a rate of inflation; allocating at least a portion of said funds for obtaining an asset whose rate of return adjusts with inflation; using said allocated funds to obtain said asset whose value adjusts with inflation, said asset comprising a financial instrument having a principal component periodically adjusted for inflation using a data processor and an accrual component including an interest rate fixed for a term; said financial instrument paying interest payments based on the inflation adjusted principal component; paying the inflation-adjusted principal component at the end of the term. - View Dependent Claims (26, 27, 28)
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Specification