An operatively interconnected data processing and computing system is provided for creating, servicing and paying loan agreements between a lender and borrower providing for repayment of the loan together with interest at a periodically adjusted rate based on the terms of the agreement. The system includes...http://www.google.de/patents/US6148293?utm_source=gb-gplus-sharePatent US6148293 - Method and apparatus of creating a financial instrument and administering an adjustable rate loan system