Abstract: The present invention provides a unitary note investment instrument and method of use that has two performance components. An investor invests in the issuer the principal amount of the investment. The first component is a base portfolio. The second component is keyed to a passive commodity index, having long and short positions. The instrument's commodity index exposure is established as the product of a leverage factor of at least 100% and the amount of the base portfolio exposure. The return to the investor comprises the change in value of both the base portfolio exposure and the commodity index exposure over a predetermined period of time multiplied by a payout factor.

Abstract: A healthcare smart card management system stores a large amount of healthcare information to overcome shortcomings of separate and largely paper medical and insurance files. Embedded security technology supports partial or separated identity proofing as well as hardware time limited storage. Dynamic contextual privacy consent enhances user, healthcare provider, and insurer privacy and proprietary information to encourage and enable universal adoption. Data is structured in self-executing (“print to device”) for legacy systems as well as in rolled-access format and archival format to balance usage and data integrity purposes. A plurality of network interfaces are incorporated as well as financial transaction codes. Card integrity is enhanced by remote usage oversight, self-destruct monitoring (e.g., time, location, hacking, malfunction, etc.), and integral write-only audit logs.

Abstract: Methods and apparatus, including computer program products, for a predictive score for lending. A method includes receiving an employee's health insurance plan design information and general health and wellness data, weighting selected ones of the employee's health insurance plan design information and general health and wellness data, and generating a credit risk indicator from the weighted selected ones of the employee's health insurance plan design information and general health and wellness data.

Abstract: A method in a financial advice system for providing specific recommendations regarding the purchase and sale of specific assets for a client's portfolio. The method can operate to provide specific reasons for each recommended action, and can provide alternative actions for different purchases and sales. Further, the method allows for accounting for specific client preferences and characteristics. The method also provides a sequential approach of inputting client preferences and characteristics and generating a recommended asset allocation taking into account the client's preferences and characteristics. Further, the method can allow for a user to make specific preference indications regarding the purchase and sale of specific assets.

Abstract: A home asset management account system is provided that includes a first mortgage account and an equity line of credit (LOC), a periodic sweep feature between the first mortgage and equity LOC, a periodic property value review feature of the first mortgage, and a statement feature that provides a customer valuable information on the subject property estimated value and the relationship between the first mortgage and the equity LOC. The first mortgage and equity LOC, results from a proprietary automated decisioning/pricing system, the periodic sweep feature, the periodic property value review feature, and a unique statement feature are bundled into a financial package available for customers.

Abstract: The present invention relates to systems, methods, data structures and user interfaces for generating and presenting information as to how and why the book yield of an investment portfolio changed over a time interval. Dynamic book yield analysis is particularly useful for bond portfolio analysis and management. Transactions and events that occur in a financial market during a pre-specified time period and relating to a portfolio of assets are identified by a computer server. Specifically, the book yields and book values for these transactions and events are accessed from the portfolio accounting system and the data for each transaction/event are categorized according to transaction/event type (though net cash equivalents are first separated out into their own category). The categorized information is then stored in a data structure residing on the system.

Abstract: A method of allocating a quantity of an incoming order for a product develops a value that indicates a portion of the incoming order this is to be allocated using a FIFO algorithm and allocates a first portion of the incoming order to standing orders using the FIFO algorithm. The method further allocates a second portion of the incoming order to standing orders using a pro-rata algorithm, wherein the step of allocating the second portion leaves a remaining quantity of the incoming order. In addition, the method allocates the remaining portion to the standing orders using a FIFO algorithm.

Abstract: Methods and systems for managing and analyzing multi-dimensional data are provided. Example embodiments provide a Meta-Object Data Management System “MODMS,” which enables users to arrange and to rearrange hierarchical relationships of the data on an ad-hoc basis and allows the data to be analyzed using any set of attributes (dimensions) while the system is running. The MODMS represents heterogeneous data in a normalized (standardized) fashion using an object type management system that allows the arbitrary coercion of one type of object into another different type of object and automatically resolves attribute dependencies. In one embodiment, the MODMS comprises an object type management subsystem; a meta-object instantiation subsystem; one or more data repositories; and an input/output interface. These components cooperate to allow the creation, management, and analysis of relationships between many different types of single and multi-dimensional data.

Abstract: A central station is provided to which the pharmacy can forward calls at the convenience of the pharmacy. A caller will call in to the pharmacy to request a refill and the call will be automatically routed to the central facility unbeknownst to the caller. The central station will obtain the refill information required, preferably by means of an automated computer system as is known in the art. This information can then be transferred to the pharmacist in a number of ways, such as by periodically faxing the information to the pharmacy. Voice messages could be flagged and the pharmacist would have to call into the central facility to obtain the voice mail message. Alternatively, a PC could be installed in the pharmacy having a reduced version of a complete, stand-alone program. The refill information can then be sent to the pharmacy by modem and the pharmacist could see a computer display of the refill orders and could hear voice messages. Alternatively, the information could be e-mailed to the pharmacy.

Abstract: A method and system for managing and selling investments via electronic means. An investor can establish sell order criteria based upon a preset desired rate of return. The broker thereby monitors the investment and automatically sells it on behalf of the investor once the prescribed sell order criteria are met. The investor can effectively lock in a rate of return prior to its sale without monitoring. Also provided is a method and system for returning to the investor a portion of the initial investment. Once the investment reaches a predetermined value, three simultaneous events occur. A portion or all the initial invested capital is returned to the investor for purposes of reinvestment. The investment instrument is transferred to the broker as collateral, given that its value appreciated relative to the initial purchase amount. Yet the investor still owns the “rights” to the capital appreciation for the life of the investment.

Abstract: A system and method are provided for implementing an electronic exchange-based transaction message policy. One example method includes defining a message usage threshold to be used in relation to a client entity that utilizes one or more trading strategies and sends transaction messages to an electronic exchange. The method further includes dynamically monitoring the message usage at the client entity and comparing it to the defined message usage threshold. If the message usage exceeds the threshold limit, the method includes adjusting one or more trading strategies at the client entity in attempt to not violating the exchange-based transaction message policy.

Abstract: A system and method for linking and managing linked orders are described. According to one method, a trader may first link two or more orders into a linked order, and then one or more parameters associated with one of the orders may be dynamically changed based on user inputs or information being received from an exchange. For example, a trader may link any two orders as an order cancel order, and each linked order may be associated with the same or different tradable objects, order quantities, and may be submitted to one or more exchanges. The order quantities may be then dynamically updated based on updates being received from the one or more exchanges and further based on a quantity ratio between the two orders. Further, the linked order may be submitted upon detecting a fill for another order.

Abstract: A method and system are described for providing a trader with the ability to quickly configure the quoting side of a trading tool, without experiencing the normal delays associated with conventional methods of quoting. In spread trading, an automated spread trading tool may automatically work an order to buy or sell a tradable object. A user may configure the trading tool to work an order in a certain tradable object first. The system allows the user to essentially on-the-fly configure the trading tool to work a second order in another tradable object, and in response to the change, the system can take specific actions such as deleting the order in the first tradable object and automatically entering the second order in the other tradable object. This allows the trader to trade quickly and efficiently.

Abstract: A system and method for linking and managing linked orders are described. According to one method, a trader may first link two or more orders into a linked order, and then one or more parameters associated with one of the orders may be dynamically changed based on user inputs or information being received from an exchange. For example, a trader may link any two orders as an order cancel order, and each linked order may be associated with the same or different tradable objects, order quantities, and may be submitted to one or more exchanges. The order quantities may be then dynamically updated based on updates being received from the one or more exchanges and further based on a quantity ratio between the two orders. Further, the linked order may be submitted upon detecting a fill for another order.

Abstract: A Life-Time Value (LTV) system is a data-driven computer-facilitated financial model that provides accurate and consistent profitability projections using current period account level profitability data stored in a Relational Database Management System (RDBMS). The Life-Time Value system performs Net Present Value (NPV) and Future Value (FV) processing using business-rule and data-driven applications that embrace the current period profit components, defines forecast periods, parameters and methodologies, and applies appropriate growth values, attrition values and propensity values to an object of future value interest.

Abstract: A method and apparatus for monitoring credit reports using a computing system implemented financial management system includes a process for monitoring credit reports whereby data representing various credit accounts is obtained and categorized by a computing system implemented financial management system. This computing system implemented financial management system data is then stored. A credit report is then obtained and credit report data representing the various credit account information contained in the credit report is obtained and stored. Then, the computing system implemented financial management system data and credit report data are compared and any discrepancies between the two credit data sources is brought to the attention of the user and/or included in a credit discrepancy report which is then provided to the user.

Abstract: Methods and systems for forming a team of experts and evaluating a portfolio of patent documents have been provided. The methods comprise the step of determining a bias of an expert, and then providing evaluations of patent documents assigned to the expert according to a selected evaluation method, which is bias corrected to reduce or compensate for the bias of the expert. A system for evaluating a patent portfolio comprises means for assigning the patent documents to said experts and monitoring progress of the evaluation process of each expert, and means for performing evaluations of the assigned patent documents by each expert. The system is further enhanced with the means for determining the bias of the expert, and with a visualization unit for visualizing the results of the patent portfolio evaluation by color coding the evaluation results, wherein patent documents having different values are represented by different colors of a visible part of the light spectrum.

Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

Abstract: A system and method is provided for the gathering of and manipulation of shareholder data, including information on individual shareholders and related custodians of shares, and comparing the shareholder/custodian data to a set of rules and/or a set of marketing analysis data to identify securities compliance issues and/or evaluate a securities marketing plan.

Abstract: In one embodiment, a combination of transactions, established utilizing a network-based marketplace, is facilitated on a single invoice to be issued by a first party. A rule, specified by the first party, for an automated calculation of charges in connection with invoices issued by the first party is identified. This rule is then dynamically invoked to calculate a charge for the plurality of transactions included in the single invoice to be issued by the first party.