Abstract: The invention described is a novel business method and system for matching most worthy knowledge surplus with most worthy knowledge deficit. The rate of change of information in this system is defined as knowledge. The rate of change of knowledge in this system is defined as innovation. A method and system of conducting enterprise is specified where knowledge is formatted to behave like a financial instrument embodied in an Innovation Bank and enabled by computer technology. An Innovation Bank is comprised of multiple applications of a Unit Business Method, a Knowledge Inventory, and an open source Problem Solving Environment. Each component is of specific formulation providing for integration of knowledge family elements. Enterprise is conducted through identification of knowledge surplus and deficit, creation, maintenance, accounting, analysis, exchange, and production of knowledge assets by an organization, society, and/or an individual.