Abstract: A system and method for guiding a user through a complex process are disclosed. The system permits a credit originator as an originating user of the system to enter into, be guided through, and complete a process for the administration, monitoring, quality control and fractionalization of any credit or similar instrument it originates and inputs into the system without such user having substantial knowledge of such process. The system further permits the automated coordination of third party purchasers or investors as participating users of the system to evaluate an originating user's inputs and acquire standardized fractional ownership interests in any credit or similar instrument processed through the system in reliance upon certain preconditions that have been methodically introduced to the system for purposes of the guidance of all users.

Abstract: A financial process in accordance with the principles of the present invention enables an amount of financing instruments to be credit enhanced. A reserved tender advance facility is established for an aggregate value minimally equal to the principal amount of debt to be undertaken. The reserved tender advance facility may be supplemented for first-loss or principal risk by the delivery of equity either in cash or in the form of an equity letter of credit. The reserved tender advance facility is maintained on standby until such time as a drawing made there under is received. Financing instruments, in reliance upon the credit-worthiness of reserved tender advance facility provider, are sold to eligible investors. Proceeds from the sale of the financing instruments are deposited in at least one account from which the proceeds will be invested in eligible investments.

Abstract: A financial services card formulated in accordance with the principles of the present invention comprises a payment or transactional card equivalent in many practical respects to a conventional credit card, however, which operates in compliance with Shari'ah financial guidelines and Islamic law and therefore is conducive for use by Islamic consumers in support of their respective purchase or payment applications. This financial services card can include processing and transaction acquisition practices which are compatible and consistent with the operating morays and norms of the conventional credit card industry while complying with Shari'ah financial guidelines.

Abstract: A financial instrument in accordance with the principles of the present invention permits a dedicated pool of debt capital to be actively deployed without the introduction of a third party source of security or collateral to cover the principal portion of funds being deployed as a predicate to effectuating those investment operations. The dedicated pool of debt-capital can be used for the purposes of permitted asset management without a subsequent deployment of available note proceeds to an underlying commercial project or investment. A financial instrument in accordance with the principles of the present invention standardizes the format, pricing, practice, and methodology of raising debt capital in the capital markets.

Abstract: A financial process and method of leveraging certain financing instruments is disclosed that includes a deployment of the CVRDN financial instrument specifically within the venture capital and investment banking market sector. A CVRDN Series is issued in such a way as to create leveraged returns. The CVRDN Series enables increased gains while simultaneously limiting leveraged risk/exposure. The proceeds from the CVRDNs are placed on deposit in a reserve account in such manner as to create the potential for a positive arbitrage of those funds that is sufficient to fully offset CVRDN interest payable while investment opportunities are being identified. The CVRDN Proceeds are deployed with a selection of credit underwriters that are willing to issue Principal Letters of Credit as the basis to support the creation of certain leverage of associated equity-based investment proceeds.

Abstract: A financial instrument in accordance with the principles of the present invention promotes consumer investment using a consistently formatted investment unit, which fosters the development of a secondary market for those investment units thus affording certain investment liquidity to the consumer. Specifically, the present invention creates a standardized platform for the operation of a consumer-oriented Shari'ah compliant security in support of certain depository account functions that are themselves Shari'ah compliant, but more in keeping with conventional economic or banking norms such that passive to semi-passive consumer deposits originating form the Muslim market sector may be cultivated and promoted within banks and like financial institutions. A financial instrument formulated in accordance with the principles of the present invention provides for the creation of a far more manageable and efficient consumer-based Islamic investment account function than present practices permit.

Abstract: An inter-bank/inter-institutional financial network formulated in accordance with the principles of the present invention supports the implementation of certain Shari'ah (Islamic) compliant financial products. A standardized, Shari'ah (Islamic) compliant financial instrument is created which is conducive to trading and which has comparable characteristics to those traded on the conventional markets. An inter-bank/inter-institutional financial alliance is formed under which the participants in the network play multiple and varied financial roles in select financial offerings prior to taking an investment offering to the Islamic investment marketplace for placement. In particular, each participating institution in the inter-bank/inter-institutional financial alliance agrees to support the position of another participating institution as may be required under a contingent guarantee of repurchase in support of such other participating financial institution's issuance of financial instruments.

Abstract: A computer implemented financial instrument and method of financing is disclosed that includes offering a financial instrument for the purpose of attracting investment; placing the proceeds from the financial instrument on deposit in a reserve account in such manner so as to ensure the bankruptcy remote status of such proceeds from an entity administering the operation of the proceeds of the financial instrument; subsequently issuing an equal value letter of credit to secure the payment of a principal portion of the financial instrument; issuing a second letter of credit to secure interest due on the financial instruments; subsequently managing and implementing the proceeds of the sale of the financial instrument in a manner consistent with a generic investment criteria established related to that certain offering. A wide area network implementation of the reporting methodology for investment, performance, and user data pertaining to the financial instrument of the present invention is further described.

Abstract: A financial instrument and method of financing is disclosed that includes offering a financial instrument for the purpose of attracting investment; placing the proceeds from the financial instrument on deposit in a reserve account in such manner so as to ensure the bankruptcy remote status of such proceeds from an entity administering the operation of the proceeds of the financial instrument; subsequently issuing an equal value letter of credit to secure the payment of a principal portion of the financial instrument; issuing a second letter of credit to secure interest due on the financial instruments; subsequently managing and implementing the proceeds of the sale of the financial instrument in a manner consistent with a generic investment criteria established related to that certain offering.

Abstract: A financial instrument formulated in accordance with the principles of the present invention comprises a traditional, rated, investment grade security in compliance with Shari'ah investment guidelines and Islamic law. This financial instrument can include an investment vehicle which is compatible and consistent with the operating morays and norms of the Western capital markets while complying with Shari'ah investment guidelines. The investment vehicle effectuates a passive or semi-passive investment by an individual or institution that observes Islamic law in the establishment of its investment criteria and the implementation of its investment practices. Further, the investment vehicle qualifies as a consistently formatted investment-grade, ratable security within a capital markets environment.

Abstract: A financial instrument formulated in accordance with the principles of the present invention comprises a traditional, rated, investment grade security in compliance with Shari'ah investment guidelines and Islamic law. This financial instrument can include an investment vehicle which is compatible and consistent with the operating morays and norms of the Western capital markets while complying with Shari'ah investment guidelines. The investment vehicle effectuates a passive or semi-passive investment by an individual or institution that observes Islamic law in the establishment of its investment criteria and the implementation of its investment practices. Further, the investment vehicle qualifies as a consistently formatted investment-grade, ratable security within a capital markets environment.