Patents by Inventor Bert Ely

Bert Ely has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Financial product and method which link a debt instrument to a bond
    Publication number: 20060184450
    Abstract: A financial product which is comprised of a note and a bond. The note is linked to the bond in that when an interest rate declines, the note interest rate also is reduced in a predetermined manner and the bond interest rate is reduced in a preselected manner. The interest rate on the note and the bond never go up or in an alternative embodiment go up significantly less than the interest rate increase. Also provided is a method for financing a loan by using a note and linked bond, both of whose interest rates can decline but do not rise. The financial product and the method can be implemented by a computer.
    Type: Application
    Filed: February 16, 2006
    Publication date: August 17, 2006
    Inventors: Bert Ely, Andrew Kalotay