Abstract: Methods and systems for real time margin management are provided. A margin inquiry request from a user is processed in real time. Such a margin inquiry request may include a real time on-demand margin inquiry. In addition, a margin inquiry request may also correspond to a hypothetical margin inquiry.

Abstract: A system for automated trading of U.S. Treasury, Liquid Agency, and Zero Coupon STRIP financial instruments comprises an updatable system database; an updatable offering inventory database which receives real time price and quantity information pertaining to each financial instrument from a market data feed; and a system proprietor operative to determine a national best bid and offer price and a derived price for each financial instrument in the offering inventory. The system proprietor applies a price improvement process to a trade in the event that an offsetting trade occurs, and updates the system database and offering inventory to reflect transactions executed by the system. Advantageously, the system provides users with a mechanism to provide the best price at the time of execution. Historical data is utilized to (i) price securities that are spread off a benchmark where an active quote for a particular security is unavailable, and (ii) retrieve prices for future analysis.

Abstract: Systems and a method for delivering a financial message. The system for delivering a financial message includes, inter alia, an intervention system configured to allow an internal user of the system to add or edit content of a message to a client user prior to delivery. Advantageously, financial advisors and other internal users have the ability to interact with a client user to provide proactive financial advice.

Abstract: A system for trading Certificates of Deposits, Discount Notes, CMOs, Corporate Bonds, High Yield Bonds, Illiquid Agency Securities, Mortgage Pass-Through Securities, Secondary Zero comprises an updatable offering inventory module and a price discovery module. The system allows users to send Request for Quotes (RFQs) to pre-determined dealers and capture dealer responses thereto. Traders who send RFQs have the ability to accept the best dealer response and execute a trade as an agent or to improve the best dealer response and execute the trade as a principal.

Abstract: The present invention provides systems and methods for financial advisor messages in a networked computer system. A financial advisor associated with a financial services organization determines clients to receive a message, the financial advisor determines the message, and the message is transmitted over the network to be accessible by the clients. Methods are provided in which the message is required to be determined to be compliant prior to transmission to the clients. Methods are also provided in which individuals associated with the financial services organization, such as the financial advisor, are notified of a non-compliant message.

Abstract: An alert messaging system and method to securely transmit and receive alert messages via secure connection among one or more messaging servers and at least one client user station using a token-based, one-way handshake mechanism.

Abstract: A system and method for inquiry of option and/or stock status and for processing trades made pursuant to stock option and purchase plans is provided. Participant information is stored and transmitted to a finance system. Rules may be enforced for stock option and stock purchase plans with the finance system. Participants are provided with incentive compensation that can be utilized in a simplified, user friendly, streamlined process.

Abstract: A method including establishing a commission-free fee-based brokerage account for a client and maintaining a balance between the account's fee, its investment activity and services received, and compensation to a financial advisor of the client. Customized flat fee pricing can be calculated based on investment objectives, risk tolerances, asset mix, asset size, expected trading patterns, utilization of other firm services and the client account relationship (the existence of other accounts of that client with the firm). Systems calculate and recommend a fee to the financial advisor, who then negotiates with the client and determines a final fee. This dynamic pricing process includes a compensation adjustment to the financial advisor under certain pricing and trading scenarios.

Abstract: A browser interface for providing financial services is provided. The interface comprise a toolbar; a menu for presenting one of an application menu and a market data function menu; and at least one view window for presenting information from at least one of an application and a market data function. Also provided is a network based financial service system comprising a client computer having Internet access; a browser interface operable on the client computer, the browser interface having a toolbar, a menu for presenting one of an application menu and a market data function menu, and at least one view window for presenting information from at least one of a financial application and a market data function; and a server having access to a plurality of applications and a plurality of market data functions, the applications and functions being accessible from the browser interface of the Internet access. The interface and system provides timely, proactive financial advice.

Abstract: Methods and systems for sweeping fund between accounts are provided. A first account is initialized with a balance. The number of withdrawals made from the first account is monitored with respect to a limit on the total number of withdrawals allowed within each cycle of a predetermined period. Upon reaching the limit on the total number of withdrawals, the remaining balance in the first account is swept into a second account. Each subsequent withdrawal is made from the second account during the remaining duration of the cycle after the remaining balance is swept into the second account. When a new cycle begins, the entire remaining balance in the second account is swept back into the first account.

Abstract: Methods and systems for real time margin management are provided. A margin inquiry request from a user is processed in real time. Such a margin inquiry request may include a real time on-demand margin inquiry. In addition, a margin inquiry request may also correspond to a hypothetical margin inquiry.

Abstract: In accordance with at least one embodiment of the invention, a computer-based system in which a user, e.g., a financial advisor, an investor, or a client of an investment firm, etc., may engage in an interactive dialog with a software-based investment advice system, hereafter referred to as the “Advisor” to receive analysis of present and potential financial investments. Based on information provided by the user, the Advisor may be configured to determine a recommended investment portfolio including investment allocations designed to meet at least one financial goal. A goal refers to a desired target accumulation of assets in connection with an investor's investment needs based on information a user has provided.