Interactive Financial Models
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Patent Loan Amortisation Modeller
The definitive month-by-month comparison. See exactly how the patented rebate mechanism accelerates your loan payoff — reducing total interest by tens of thousands and cutting years off the term.
Loan & Asset Assumptions
Interest Saved
$68,456
Compared to standard loan
Time Saved
3yr 0mo earlier
Paid off in 264 months vs 300
Standard Total Interest
$169,054
300 payments of $1,896.85
Patent Total Interest
$100,598
264 payments of $1,896.85
Loan Balance Comparison
Standard loan vs Patent loan balance over the full term
Monthly Rebate Growth
How your monthly rebate increases as the underlying assets grow
Amortisation Schedule — First 10 Years
Month-by-month comparison of standard vs patent loan, showing how the rebate accelerates principal repayment.
| Month | Std Balance | Patent Balance | Rebate | Std Interest | Patent Interest | Std Principal | Patent Principal |
|---|---|---|---|---|---|---|---|
From 2002 Vision to AI-Powered Future
When this patent was filed in 2002, artificial intelligence as we know it today did not exist. Here’s how AI now supercharges the patented Consolidator Account methodology.
Graham Chee filed Patent AU 2002318660, envisioning a computer-implemented system to aggregate commission rebates across multiple financial product providers and apply them to reduce interest on multiple liability accounts. At the time, this required manual processing and single-provider relationships.
Agentic AI Portfolio Optimisation
AI agents can now autonomously monitor a client's entire financial portfolio 24/7, identifying the optimal mix of superannuation, managed funds, insurance, and term deposits to MAXIMISE commission rebates in real-time — something impossible when this patent was filed.
Open Banking Integration (CDR)
Australia's Consumer Data Right (CDR) now enables real-time, consumer-consented data sharing across all financial providers. The patent's cross-provider aggregation concept — revolutionary in 2002 — can now be automated through Open Banking APIs, pulling live commission and balance data from every provider simultaneously.
Machine Learning Interest Forecasting
ML models can now predict interest rate movements, optimal rebalancing timing, and commission yield curves — enabling the Consolidator Account to proactively restructure rebate allocations before rate changes occur, not after.
Real-Time Commission Streaming
Instead of monthly or quarterly commission reconciliation (as modelled in the 2002 patent), AI-powered fintech infrastructure enables near-real-time commission streaming — rebates applied to loans daily or even intra-day, compounding the interest reduction effect.
AI Family Wealth Optimisation
AI can now model entire family financial ecosystems — aggregating assets across multiple family members, trusts, SMSFs, and corporate entities to maximise the patent's family linking capability far beyond what was possible with manual processing.
Automated Compliance & Reporting
AI handles AFSL compliance monitoring, ASIC reporting, anti-money laundering (AML) checks, and FOFA best-interest duty documentation automatically — removing the regulatory overhead that historically made cross-provider commission aggregation operationally complex.
Embedded Finance
The patent's methodology embedded directly into mortgage origination platforms, neobanks, and super fund apps — consumers receive automatic interest reduction without needing to sign up for a separate product.
Autonomous Financial Agents
AI agents that negotiate commission rates with providers on behalf of consumers, continuously optimising the rebate pool across hundreds of financial products simultaneously.
Predictive Life-Stage Modelling
AI that anticipates life events (home purchase, retirement, children's education) and pre-positions the optimal asset/liability structure to maximise lifetime interest savings through the Consolidator Account.
Cross-Border Expansion
With Open Banking frameworks now active in the UK, EU, Brazil, and expanding globally, the patent's cross-provider aggregation model can be deployed internationally with AI handling multi-currency, multi-regulatory compliance.
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