System and method of investment management including means to adjust deposit and loan accounts for inflation

CAFC
  • US 5,832,461 A
  • Filed: 10/23/1991
  • Issued: 11/03/1998
  • Est. Priority Date: 08/27/1985
  • Status: Expired due to Fees
First Claim
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1. An investment system for providing an improved capital structure for an institution comprising:

  • means for establishing data representative of at least one deposit account for a term, the deposit account having a deposit principal component and a deposit accrual component, the deposit accrual component having a fixed interest component and a variable interest component; and

    an account management data processor for servicing the deposit account over the term, including;

    means for determining the rate of inflation;

    means for adjusting the amount in the deposit accrual component in a manner responsive to the rate of inflation;

    means for retiring the fixed interest component by a first schedule over the term; and

    means for paying the deposit principal component according to a second schedule over the term.

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