Consumer refund deferred provider payment elective tax-deferred savings instrument business method

摘要

A method of purchasing a product or service in which a tax-deferred savings instrument is used to provide for a full or partial refund to the consumer, while also proving a partially deferred or totally deferred payment to the provider of the service or product to the consumer. The method utilizes a computer system executing a computer program which can provide a full definition of the required tax-deferred savings instrument by solving after solving a set of equations which can be used to calculate a number of unknown variables upon the insertion of certain known variables into the computer program.