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3M employee and church chorister Art Fry needed something to temporarily mark pages in his hymnal. He was in luck because his colleague, Spencer Silver, accidentally developed a glue that was too weak for other purposes. After initially discouraging consumer response, Post-it Notes became a hit in 1979.
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| Number | Title | Issue Date |
| 8190504 | Corporate payments, liquidity and cash management optimization service platform A corporate payment, liquidity, and cash management optimization service platform helps meet the need in corporate banking to leverage more of the value of the bank relationship with the corporation. The platform integrates into the supply chain processes of the cor... | 05/29/2012 |
| 8190503 | Systems and methods for swap contracts management with a discount curve feedback loop A method, system, apparatus and media are directed to managing trading of financial instruments with a clearinghouse as a counter-party to trades. A plurality of inputs that includes trade data for trades executed using the computer system is received. A discount cu... | 05/29/2012 |
| 8190502 | Management of goals and recommendations Methods, systems, and computer-readable media are disclosed for managing goals and recommendations. A particular method includes identifying one or more financial planning objectives for a financial planning client, receiving information relating to the one or more ... | 05/29/2012 |
| 8185465 | Method and system for computer-implemented trading of secondary market debt securities A computer-implemented method and system for trading of debt securities (bonds), where multiple dealers participate and compete on a single platform (100). Dealers and investors have respective interfaces (250, 230) for communicating. In one aspect, de... | 05/22/2012 |
| 8185464 | Method of making distributions from an investment fund A method of making distributions from an investment fund. The method includes the steps of creating shares for sale, providing a managed distribution schedule identifying a number of payments to be provided during each of consecutive periods, providing an investment... | 05/22/2012 |
| 8185463 | Interactive systems and methods for insurance-related activities Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance professionals in managing clients, marketing insurance, and storing inform... | 05/22/2012 |
| 8180696 | Stock purchase indices A method and system for determining investor participation driven stock purchase indices. Raw customer trading data is received from an accounting system. The raw customer trading data is then aggregated to generate daily transaction total counts for all stocks (tha... | 05/15/2012 |
| 8180697 | Method of trading in real estate derivatives A method of computing a real estate derivative index value includes: selecting asking rent data; selecting lease rent data; and combining the selected asking rent data and the selected lease rent data to form the index value. The method may further include further c... | 05/15/2012 |
| 8180695 | Method of administering an investment fund that seeks to provide regular monthly payments without consuming principal A method of administering an investment fund. The method includes the steps of creating shares for sale, providing a managed distribution schedule identifying a number of payments to be provided during each of consecutive periods, providing an investment strategy fo... | 05/15/2012 |
| 8175949 | Methods and systems for providing a constant maturity commodity index Methods and systems provide a commodity index for investing. In one implementation, a method selects a commodity component for inclusion in the commodity index and calculates a target weight of the commodity component. The method further selects a time interval for ... | 05/08/2012 |
| 8175951 | Automated bid ask spread negotiations method The automated bid ask spread negotiations method is a computer process and system for negotiating transactions combining a bargain sale strategy with the normal negotiating process. The system effectively adds a bonus to the package of benefits, thereby closing the ... | 05/08/2012 |
| 8175953 | Prepaid short messaging A prepaid messaging solution using open networking standards (e.g., TCP/IP) to support pre-payment of Internet messaging services. The disclosed prepaid architectures/methods determine if a subscriber has sufficient account balance to deliver a short message, prior ... | 05/08/2012 |
| 8175947 | System and method for administering fixed index annuities A system for administering an insurance account includes a processor; a memory in communication with the processor; the processor being adapted to: access data indicative of a value of an index calculated based on a formula including as factors prices of individual ... | 05/08/2012 |
| 8175946 | System and method for providing the execution probability of a limit order A system, method and computer program product are described for providing the execution probability of a limit order within a given time period based on historical and current information and for adaptively and dynamically adjusting to intra-day trade data. For a gi... | 05/08/2012 |
| 8170944 | Customized performance benchmarks for stable value funds Embodiments calculate a customized performance benchmark for a stable value fund by incorporating client-specific factors and calculating an overall crediting rate, as if the assets underlying the wrap contracts and insurance separate account contracts were invested... | 05/01/2012 |
| 8170940 | System and method for the automated brokerage of financial instruments Disclosed herein in a preferred embodiment is an automated financial instrument brokerage system wherein a front end layer interacts with customers to generate activity requests for an intermediate layer. The intermediate layer preferably processes the activity requ... | 05/01/2012 |
| 8170942 | Automated investment alerts from multiple data sources A system and method provides investors with meaningful information extracted from large volumes of available data for a particular stock, mutual fund, bond, or other investment. The system includes one or more computers that receive and process multiple data feeds t... | 05/01/2012 |
| 8170941 | System and method for generating random vectors for estimating portfolio risk A system and computer-implemented method for generating random vectors for estimating portfolio risk is provided. Historical financial variable data of financial assets is stored in a memory. Parameters of a copula are estimated. Random vectors are generated from th... | 05/01/2012 |
| 8170939 | Method and system for building and maintenance watch lists A method and apparatus for monitoring a items such as stocks and other securities, suitable for use in portable devices, such as personal organizers, wherein instead of separate watch lists, a pool of items being watched is maintained, and the total number of items ... | 05/01/2012 |
| 8170943 | Systems and methods for generating a metric of financial status relative to a financial goal The present invention relates to, among other things, systems and methods for generating a metric of an entity's financial status relative to a financial goal. In generating the metric, the value of an entity's total assets is simulated over time based on data compr... | 05/01/2012 |
| 8165947 | System and method for electronic trading The systems and methods relate to a new securities order type—the MON Order—which remains undisplayed and does not become executable until a minimum trigger quantity is reached, thereby making such order executable. The MON Order includes information that indica... | 04/24/2012 |
| 8165949 | Adjustable derivative securities and method for adjusting the value of same due to a corporate event The claimed invention relates to an adjustable derivative contract. Particularly a method and system for adjusting the derivative contract to account for time value of money due to an occurrence of a corporate event that affects the value of the derivative contract.... | 04/24/2012 |
| 8165948 | System for selecting and purchasing assets and maintaining an investment portfolio The invention is in the field of computer implemented systems and methods for generating a profile of an investor's risk tolerance, providing automated investment allocation advice based on the risk tolerance of the investor, generating at least one list of investme... | 04/24/2012 |
| 8160949 | Order risk management for financial product processing Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum delta, gamma and/or vega utilization values for derivative product c... | 04/17/2012 |
| 8160947 | Methods and systems for identifying and tracking potential property rights in software products Methods and systems for identifying and tracking potential property rights in a software product and useful in auditing the software product are disclosed. Files of the software product are scanned to determine potential property rights, preferably by scanning the s... | 04/17/2012 |
| 8160948 | Computer managed retirement fund and method for generating increased revenue stream A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial port... | 04/17/2012 |
| 8156029 | Process for verifiably communicating risk characteristics of an investment portfolio In accordance with a preferred embodiment of the invention, there is disclosed a process for verifiably communicating risk characteristics of an investment portfolio to an investor without disclosing the exact composition of the portfolio comprising: A procedure for... | 04/10/2012 |
| 8156030 | Diversification measurement and analysis system This disclosure details methods for measuring and analyzing diversification of portfolio of assets. A dimension is a logical and quantitative means to measure diversification. As the number of dimensions increases so does diversification. Strong asset correlations a... | 04/10/2012 |
| 8156031 | Method of operating a venture business A method of operating a venture capital investment business, comprising establishing a business entity; the business entity establishing an investment fund; establishing a fund managing entity of the investment fund, the fund managing entity attending to administrat... | 04/10/2012 |
| 8150755 | Computer system and method for determining optimal asset allocation A computer system is provided for selecting an asset allocation for an investment portfolio intended to produce a target payout starting at a target date. The computer system is programmed to receive inputs that may relate to the target payout, the target date and a... | 04/03/2012 |
| 8150756 | Systems and methods for offering and servicing hedge funds A family of hedge funds, serving as “feeder funds”into underlying single-manager hedge funds, formed to provide smaller investors with the ability to allocate and reallocate assets among alternative strategies, and this basic structure combining interrelated sys... | 04/03/2012 |
| 8150754 | Methods, apparatus and computer program products for interfacing automatic bill payment systems with card issuer database systems An interface for interfacing a merchant processor with a card issuer database receives a merchant profile including transaction request data elements and stores the merchant profile in a global merchant database. A request for data corresponding to at least one elem... | 04/03/2012 |
| 8145551 | Adjustable derivative securities and method for adjusting the value of same due to a corporate event The present invention relates to an adjustable equity derivative and method for allocating distributions amongst different adjustable derivative components of a security upon a corporate event effecting the underlying equity in a manner that factor in the time value... | 03/27/2012 |
| 8145552 | System and method for computer implemented collateral management A computer-implemented method for managing collateral risk associated with financial instrument trading and a data processing system includes a processor and memory/database configured to store user-definable rulesets relating to a desired trade. A search module ide... | 03/27/2012 |
| 8145554 | Portfolio synchronizing between different interfaces An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial ... | 03/27/2012 |
| 8145553 | Flexible system and method for electronic trading System, method, and program products offer flexibility to the rather rigid way of trading in an electronic trading system. Orders for a tradeable object may typically get matched according to set terms and/or conditions at an electronic exchange. A trader may log on... | 03/27/2012 |
| 8140422 | System, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (MAP) A system, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (MAP) are set forth herein. A computer receives a daily valuation of a portfolio of securities from an administrator of a special purpose trust (SPT) the... | 03/20/2012 |
| 8140420 | Method and apparatus for processing and routing transactions Option orders are processed by receiving an option order, the option order including information identifying a customer, and information identifying a desired option. One of a plurality of option exchanges is selected to complete the option order, the selecting base... | 03/20/2012 |
| RE43246 | Money fund bank system Providing interest to clients' deposited finds funds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculate... | 03/13/2012 |
| 8135640 | System and method for making a synthetic cash advance using a purchase payment exchange System and method provide for making a synthetic cash advance to a credit cardholder via a purchase-payment exchange. A beneficiary selects an item to be purchased by a cardholder for the beneficiary, and in exchange for the cardholder's purchase, the beneficiary tr... | 03/13/2012 |
