Systems and methods for optimization of a financial transaction

Abstract

A method of determining a structure for financing a consumer product through a computer implemented process according to one embodiment comprising the steps of: receiving one or more fixed inputs including a monthly payment value and a down payment value; calculating a plurality of potential financial structures for the consumer product based upon the monthly payment value and the down payment value; and determining from the plurality of potential financial structures, a financial structure that provides a greatest profit for a seller of the consumer product.

1 . A system of determining a structure for financing a vehicle comprising:
 a memory device for receiving a plurality of inputs including at least a monthly payment value and a down payment value;   a user interface device for a user to input the plurality of inputs to the memory;   a central processing unit operable to:
 calculate in the computer a plurality of potential financial structures for vehicles based upon the monthly payment value and the down payment value; and 
 select by the central processing unit from the plurality of potential financial structures, an optimum financial structure that provides a greatest profit for a seller of one of the vehicles; and 
 a display for showing the optimum financial structure. 
   
     
     
         2 . The system of  claim 1 , wherein the central processing unit is remote from the display. 
     
     
         3 . A user interface screen for assisting a user determine a structure for financing a vehicle comprising:
 a user interface device to input a plurality of inputs including at least a monthly payment value and a down payment value into a memory;   a processing unit for calculating a plurality of potential financial structures for the vehicles products based upon the monthly payment value and the down payment value; and selecting by the processing unit from the plurality of potential financial structures, an optimum financial structure that provides a greatest profit for a seller of one of the vehicles; and   a display screen for showing a results panel the optimum financial structure.   
     
     
         4 . The GUI of  claim 3 , further comprising a MVP panel for a current vehicle. 
     
     
         5 . The GUI of  claim 3 , further comprising a MVP panel for all inventory. 
     
     
         6 . A method of determining a structure for financing a vehicle through a computer implemented process comprising:
 receiving in a computer a plurality of inputs including at least a monthly payment value and a down payment value;   calculating in the computer a plurality of potential financial structures for the vehicles based upon the monthly payment value and the down payment value;   selecting by the computer from the plurality of potential financial structures, an optimum financial structure that provides a greatest profit for a seller of one of the vehicles; and   displaying the optimum financial structure.