Abstract: The present invention relates to a multiple step business process for innovative risk of credit derivatives in computer aligned and mathematical models for management of credit derivatives through the use of different financial platforms and multiple hybrid financial instruments of currency funds for capital flow for property acquisitions, in which the source of each aspect of hybrid financial instruments will be provided with predetermined risk values and risk management for specified periods of time linked to the life span of a property or capital for property acquisition, an improvement in the different hybrid forms of financial instruments include varied debt obligation financial instruments together with different forms of currency, equity holdings, gold, and alternative property.

Abstract: The present invention relates to a coordinated multiple step process for risk management of credit derivatives, coordinated by a computer and or mathematical models, for a copyright product valued for a specific period of time as defined by copyright laws depending on the life span of a product derived from the specific copyright, the improvement of the copyright product related directly to the risk value credit derivative provided by at least a financial institution for a predetermined region or country with different financial platforms and different hybrid financial instruments of different currencies for capital investment, and the expected return in investment on the basis of the credit and risk evaluated for at least each copyright article, and each specific region or country, and the predetermined time of utilization of the innovation.