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6442532 Wireless transaction and information system  
A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a...
6430542 Computer-implemented program for financial planning and advice system  
The present financial planning and advice system allows an advisor to provide proactive, efficient service to clients. An advisor can analyze a client's relationship(s) with his/her family,...
6424952 Method of providing means to pay for total future educational expenses to attend an institution of higher learning  
A method and system for financing expected future educational expenses. The method includes the basic steps of determining current educational expenses, reviewing past changes in educational...
6421653 Systems, methods and computer program products for electronic trading of financial instruments  
An internet-protocol based anonymous trading system which enables traders to identify bids and offers which they are eligible to trade based upon a color coded methodology which gives the trader...
6415270 Multiple auction coordination method and system  
A multi-auction service system and method for replicating an item to be auctioned at a plurality of remote auction services, where the multi-auction service detects bids at the plurality of remote...
6415268 Method of recovering the real value of a stock from the stock pricing data  
A method of recovering the real value of a stock from the stock pricing data collected in a stock market and related ways of selecting stocks in the market are described. The method involves the...
6408282 System and method for conducting securities transactions over a computer network  
The system and method of the preferred embodiment supports trading of securities over the Internet both on national exchanges and outside the national exchanges. The preferred embodiment supports...
6405204 Alerts by sector/news alerts  
The invention provides index performance alerts by sector. The index alerts are based on price performance measures of each industry, sector, sub-sector, or group (referred to collectively as...
6405180 Automated exchange for matching bids between a party and a counterparty based on a relationship between the counterparty and the exchange  
In an automated exchange system means are provided by means of which a market maker can enter a course of action in advance, so that the volume in the orderbook is continuously updated, and where...
6381585 Method and apparatus for administering a share bond  
A method and apparatus for enhancing the stock of a business entity by joining the shares of stock to non-investment bonds at no cost, no loss financially to any current and/or future shareowner...
6381586 Pricing of options using importance sampling and stratification/ Quasi-Monte Carlo  
A computer implemented method prices derivative securities (for example, options) by selecting an importance sampling (IS) distribution and combining the chosen IS distribution with stratified...
6374231 Money fund banking system  
Providing interest to clients' deposited finds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of...
6370516 Computer based device to report the results of codified methodologies of financial advisors applied to a single security or element  
The invention utilizes computer apparatus to automatically generate a display or report containing the result for a plurality of investment advisor methodologies (FIG. 2 ) for one specific...
6360210 Method and system for enabling smaller investors to manage risk in a self-managed portfolio of assets/liabilities  
A computer-based system is disclosed for reducing risk, including market risk, for a given portfolio, by examining the expected risk, pricing it, and transferring some or all of it in exchange for...
6347307 System and method for conducting web-based financial transactions in capital markets  
The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to engage in capital market transactions, including the trading of...
6347302 Apparatus and method for processing lease insurance information  
An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at...
6347319 Methods of obtaining listings of information from databases  
In one aspect, the invention encompasses a method of obtaining a listing of information from a database and utilizing the listing as a user input to a machine in data communication with the...
6343278 Combined order limit for a group of related transactions in an automated dealing system  
An improved multiple order facility for a computerized trading system in which a first trader submits a plurality of orders for display and acceptance by other traders, including a first subsystem...
6338047 Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors  
A system and method for allowing a plurality of investors to manage investments in a mutual fund or a directly-owned portfolio of investments. The assets and liabilities of the mutual fund are...
6336103 Rapid method of analysis for correlation of asset return to future financial liabilities  
A method and system for correlating an expected asset return of a portfolio to changes in future financial liabilities and also to other financial indices. Management of asset portfolios often...
6332134 Financial transaction system  
A financial transaction system. The present invention includes a method for performing a financial transaction, wherein a cardholder makes a purchase from a merchant using credit established at a...
6330541 System and method for controlling and securitizing the cash value growth and/or death benefits of a large pool of insurance policies  
A system and method of managing an actuarially credible pool of life insurance policies to generate a consistent cash flow from death benefits paid on the insurance policies. The system and method...
6324523 Integrated client relationship management processor  
A data processing system initiates, implements, confirms and updates a novel financial transaction support service, which provides an allotment of brokerage transactions, related financial...
6317726 Automated strategies for investment management  
The invention is in the field of using a computer to select corporate stocks for investment. Fifty stocks are selected from a database on the basis of certain criteria. The stocks are acquired in...
6317728 Securities and commodities trading system  
In accordance with the invention there is provided a securities trading system based on the principles of artificial intelligence. It includes a data acquisition system having an input...
6313833 Graphical data collection and retrieval interface  
A graphical user interface is provided for capturing application data in picture form. A set of data capture tools, including a subjective data parameter pallette and accompanying data canvas, are...
6298334 Object-based numeric-analysis engine  
A method implemented in a computer system for dynamically analyzing the status of a numeric system wherein the numeric system which includes one or more numeric objects such as inflow objects,...
6298348 Consumer profiling system  
A consumer profiling system is presented in which consumer profiles are formed and updated based on their purchases. The consumer profiles contain both demographic data and product preferences....
6289321 Device to detect stock names having the highest current value and its methods for use  
There is disclosed a method for selecting a stock name having the highest current value or lowest current value from all the stock names in stock/exchange/merchandise trading and distributing the...
6282520 Computer system and methods for allocation of the returns of a portfolio among a plurality of investors with different risk tolerance levels and allocation of returns from an efficient portfolio  
A method and system is presented for distributing returns from an investment portfolio to a plurality of investors with different risk tolerances as a function of the risk-return preferences of the...
6282517 Real time communication of purchase requests  
A method and apparatus for formulating and submitting a purchase request over a computer network and making said purchase request available to a dealer immediately. A Data Center system has a...
6278983 Automated resource allocation and management system  
An automated resource allocation and management system moves money between an invested fund and an uninvested fund, where the invested fund is typically invested in the stock market and the...
6278981 Computer-implemented method and apparatus for portfolio compression  
A computer-implemented method for compressing a portfolio of financial instruments is described. Financial instruments to be compressed are identified, and a compressed subportfolio corresponding...
6278982 Securities trading system for consolidation of trading on multiple ECNS and electronic exchanges  
A securities trading consolidation system where each customer uses a single trader terminal to view, and analyze security market information from and to conduct security transactions with two or...
6275814 Investment portfolio selection system and method  
A set of available investment assets is evaluated for inclusion in an efficient portfolio by treating certain asset characteristics as a probabilistic random variable, and averaging the resultant...
6272474 Method for monitoring and trading stocks via the internet displaying bid/ask trade bars  
A method for providing stock information to traders. Stock information is received that includes bid offers, ask offers, the size of the bid offers and the size of the ask offers and the identity...
6272528 Computer method for delivery of financial services  
A computer system is provided for delivery of financial services, such as banking, general insurance, life assurance, pensions and investments, loans and mortgages, and financial planning and...
6253192 Method of personal financial planning  
A method of financial planning in which a financial model is created from data relating to a subject's income, expenses, assets and liabilities. A planning rules database is created from data...
6240399 System and method for optimizing investment location  
An investment optimizing system and method. Once an investor or investment advisor determines the appropriate asset allocation and that there are both taxable accounts and tax-deferred investment...
6236973 Apparatus and method for providing collateral construction loan insurance coverage  
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk...
6236980 Magazine, online, and broadcast summary recommendation reporting system to aid in decision making  
The invention utilizes a computer apparatus to automatically generate displays or reports containing investment security or element recommendations (FIG. 4, box 133) along with an optional...
6233566 System, method and computer program product for online financial products trading  
An online centralized financial products exchange system. The invention is a system, method and computer program product that creates a "marketplace" for end-to-end financial products life cycle...
6216129 Advertisement selection system supporting discretionary target market characteristics  
An advertisement selection system is presented in which vectors describing an actual or hypothetical market for a product or desired viewing audience can be determined. An ad characterization...
6205434 Computerized indenture plan allocation determination management and reporting system  
A computerized indenture plan allocation determination, management and reporting system and method is disclosed. The system determines allocations relating to an indenture plan, manages indenture...
6195647 On-line transaction processing system for security trading  
A data processing system provides an interface with a securities exchange system over which securities are traded. The system allows a user to configure displays tailored for specific functions and...
6192347 System and methods for computing to support decomposing property into separately valued components  
A computer system, and methods for making and using it, for manipulating digital electrical signals to produce an illustration of a decomposition of property into separately valued components. The...
6188992 Apparatus, method and system for adaptively managing investments  
The present invention provides an apparatus, method and system for managing investments having one or more characteristics. The present invention creates three or more investment agents, each...
6175824 Method and apparatus for choosing a stock portfolio, based on patent indicators  
A portfolio selector technique is described for selecting publicly traded companies to include in a stock market portfolio. The technique is based on a technology score derived from the patent...
6163774 Method and apparatus for simplified and flexible selection of aggregate and cross product levels for a data warehouse  
A method of defining aggregate levels to be used in aggregation in a data store having one or more dimensions. Levels are defined corresponding to attributes in the dimension, so that data can be...
6161099 Process and apparatus for conducting auctions over electronic networks  
An apparatus and process for conducting auctions, specifically municipal bond auctions, over electronic networks, particularly the Internet, is disclosed. The auctioneer maintains a web site from...