Abstract: A new financing arrangement employing a transaction record and processes for using it, controlled and financed by a financial organization that offers financial advantages for both exporters and importers of goods/services.

Abstract: A new financing arrangement employing a transaction record and processes for using it, controlled and financed by a financial organization that offers financial advantages for both exporters and importers of goods/services.

Abstract: Method and apparatus including a service center and a server for providing financial services and operations to makers and owners utilizing an electronic post dated financial instrument defined as an E-TAD.

Abstract: A new method of using a trade acceptance draft TAD which is a financial instrument executed by a maker which is for a specific amount payable on a predetermined future date and drawn upon a specific account of the maker maintained at a specific bank. The maker as a first party sends a TAD to a second party as payment of a debt owned to the second party by the first party. The second party upon receipt endorses the TAD to a third party. The second party sells the endorsed TAD to the third party and delivers the endorsed TAD to the third party whereby the third party receives the endorsed TAD as a holder in due course.