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 method of determining a structure for financing a consumer product 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 consumer products based upon the monthly payment value and the down payment value; and   selecting by the computer from the plurality of potential financial structures, a financial structure that provides a greatest profit for a seller of one of the consumer products,   wherein the consumer product is a vehicle and wherein the potential financial structures include a sub-prime loan.