Methods and Apparatus for Collateral-Based Financial Transactions

Abstract

Methods and apparatus for managing collateral based transactions are disclosed. In one embodiment, one or more processors perform defining collateral for a financial transaction, assessing a valuation of the collateral based upon a difference between a material value and a legal tender value of the legal tender precious metal coins, and determining terms of the financial transaction based on the valuation. In some embodiments, the collateral includes one or more legal tender precious metal coins.

1 .- 30 . (canceled) 
     
     
         31 . A method, the method comprising:
 using one or more processors to perform
 recording a legal tender value of an accounting system entry; 
 recording a legal tender decomposition of the accounting system entry; and 
 preparing a proposed transaction report for a financial services transaction, wherein
 terms of a proposed transaction described in the proposed transaction report depend at least in part on the legal tender value and the legal tender decomposition. 
 
   
     
     
         32 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report. 
   
     
     
         33 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on a difference between the composition value of the accounting system entry and a legal tender value of the accounting system entry. 
 
   
     
     
         34 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on one or more futures contracts for determining the composition value of the accounting system entry. 
 
   
     
     
         35 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a futures contract based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         36 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include an option contract based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         37 . The method of  claim 31 , wherein
 the preparing a proposed transaction report for a financial services transaction further comprises
 calculating a composition value based in part on the legal tender decomposition; 
 calculating a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include tax payments based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         38 . A system, comprising:
 at least one processor; and   a memory comprising program instructions, wherein the program instructions are executable by the at least one processor to:
 record a legal tender value of an accounting system entry; 
 record a legal tender decomposition of the accounting system entry; and 
 prepare a proposed transaction report for a financial services transaction, wherein
 terms of a proposed transaction described in the proposed transaction report depend at least in part on the legal tender value and the legal tender decomposition. 
 
   
     
     
         39 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise program instructions executable by the at least one processor to
 calculate a composition value based in part on the legal tender decomposition; 
 calculate a dual-treatment aggregate value based in part on the composition value; and 
 based on the dual-treatment aggregate value, designate terms of the financial services transaction for use in the proposed transaction report. 
   
     
     
         40 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise
 program instructions executable by the at least one processor to calculate a composition value based in part on the legal tender decomposition; 
 program instructions executable by the at least one processor to calculate a dual-treatment aggregate value based in part on the composition value; and 
 program instructions executable by the at least one processor to, based on the dual-treatment aggregate value, designate terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on a difference between the composition value of the accounting system entry and a legal tender value of the accounting system entry. 
 
   
     
     
         41 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise
 program instructions executable by the at least one processor to calculate a composition value based in part on the legal tender decomposition; 
 program instructions executable by the at least one processor to calculate a dual-treatment aggregate value based in part on the composition value; and 
 program instructions executable by the at least one processor to, based on the dual-treatment aggregate value, designate terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on one or more futures contracts for determining the composition value of the accounting system entry. 
 
   
     
     
         42 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise
 program instructions executable by the at least one processor to calculate a composition value based in part on the legal tender decomposition; 
 program instructions executable by the at least one processor to calculate a dual-treatment aggregate value based in part on the composition value; and 
 program instructions executable by the at least one processor to based on the dual-treatment aggregate value, designate terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a futures contract based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         43 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise
 program instructions executable by the at least one processor to calculate a composition value based in part on the legal tender decomposition; 
 program instructions executable by the at least one processor to calculate a dual-treatment aggregate value based in part on the composition value; and 
 program instructions executable by the at least one processor to, based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include an option contract based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         44 . The system of  claim 38 , wherein
 the program instructions executable by the at least one processor to prepare a proposed transaction report for a financial services transaction further comprise
 program instructions executable by the at least one processor to calculate a composition value based in part on the legal tender decomposition; 
 program instructions executable by the at least one processor to calculate a dual-treatment aggregate value based in part on the composition value; and 
 program instructions executable by the at least one processor to based on the dual-treatment aggregate value, designate terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include tax payments based at least in part on the legal tender decomposition of the accounting system entry. 
 
   
     
     
         45 . A non-transitory computer-readable storage medium storing program instructions, wherein the program instructions are computer-executable to implement:
 recording a legal tender value of an accounting system entry;   recording a legal tender decomposition of the accounting system entry; and   preparing a proposed transaction report for a financial services transaction, wherein terms of a proposed transaction described in the proposed transaction report depend at least in part on the legal tender value and the legal tender decomposition.   
     
     
         46 . The non-transitory computer-readable storage medium of  claim 45 , wherein
 the program instructions computer-executable to implement preparing a proposed transaction report for a financial services transaction further comprise
 program instructions computer-executable to implement calculating a composition value based in part on the legal tender decomposition; 
 program instructions computer-executable to implement calculating a dual-treatment aggregate value based in part on the composition value; and 
 program instructions computer-executable to implement, based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report. 
   
     
     
         47 . The non-transitory computer-readable storage medium of  claim 45 , wherein
 the program instructions computer-executable to implement preparing a proposed transaction report for a financial services transaction further comprise
 program instructions computer-executable to implement calculating a composition value based in part on the legal tender decomposition; 
 program instructions computer-executable to implement calculating a dual-treatment aggregate value based in part on the composition value; and 
 program instructions computer-executable to implement, based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on a difference between the composition value of the accounting system entry and a legal tender value of the accounting system entry. 
 
   
     
     
         48 . The non-transitory computer-readable storage medium of  claim 45 , wherein
 the program instructions computer-executable to implement preparing a proposed transaction report for a financial services transaction further comprise
 program instructions computer-executable to implement calculating a composition value based in part on the legal tender decomposition; 
 program instructions computer-executable to implement calculating a dual-treatment aggregate value based in part on the composition value; and 
 program instructions computer-executable to implement based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include a loan secured by collateral comprising one or more coins represented by the legal tender decomposition of the accounting system entry, and 
 terms of the loan are based at least in part on one or more futures contracts for determining the composition value of the accounting system entry. 
 
   
     
     
         49 . The non-transitory computer-readable storage medium of  claim 45 , wherein
 the program instructions computer-executable to implement preparing a proposed transaction report for a financial services transaction further comprise
 program instructions computer-executable to implement calculating a composition value based in part on the legal tender decomposition; 
 program instructions computer-executable to implement calculating a dual-treatment aggregate value based in part on the composition value; and 
 program instructions computer-executable to implement, based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein the terms of the financial services transaction include a futures contract based at least in part on the legal tender decomposition of the accounting system entry. 
   
     
     
         50 . The non-transitory computer-readable storage medium of  claim 45 , wherein
 the program instructions computer-executable to implement preparing a proposed transaction report for a financial services transaction further comprise
 program instructions computer-executable to implement calculating a composition value based in part on the legal tender decomposition; 
 program instructions computer-executable to implement calculating a dual-treatment aggregate value based in part on the composition value; and 
 program instructions computer-executable to implement, based on the dual-treatment aggregate value, designating terms of the financial services transaction for use in the proposed transaction report, wherein
 the terms of the financial services transaction include an option contract based at least in part on the legal tender decomposition of the accounting system entry.