Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Patent
1998-03-27
2000-06-20
Trammell, James P.
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
705 35, 705 38, G06F 1760
Patent
active
060789050
ABSTRACT:
A method for optimizing a rate of return based on a bank's capital and loan products, comprises the creation of a plurality of arrays, comprising a passiva product array, an activa product array, a distribution array and a result array. Each passiva product array signifies a plurality of passiva products having a monetary value and an interest rate associated with it. Each activa product array signifies a plurality of activa products having a monetary value and an interest rate associated with it. The method further assigns to each activa product a plurality of eligible passiva products from the passiva product array, and a pre-determined maximum percentage of the activa product which may be financed by each of the eligible passiva products. For each activa product, enter on the distribution array, a single entry for each eligible passiva product. It calculates a maximum capital amount, a maximum interest amount and an available interest amount for each assignment made in the assigning step, selecting from the distribution array the largest the maximum interest amount.
The entries are processed depending on whether the monetary value of the eligible passiva article is less than the maximum capital amount for the selected single entry.
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"Computers help manage cash flow, portfolios," Caribbean Business, p. 54,581 (abstract), Mar. 5, 1986.
Rosen Nicholas David
Trammell James P.
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