Financial Instrument - April 2010 USPTO Published Patent Applications

US Patent Application Review Series
Trading of Financial Instrument
April 2010 issue
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Trading of Financial Instrument - April 2010 USPTO Patent Applications 1

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The Table of Contents is created based on
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Table of Contents
G06F 17/00 - Digital computing or data

processing equipment or methods,
specially adapted for specific functions . 15
G06F 17/30 - Information retrieval . . . . . . 15
G06F 19/00 - Digital computing or data
processing equipment or methods,
Table of Contents specially adapted for specific applications
G06K 19/00 - Record carriers for use with
20
machines and with at least a part

designed to carry digital markings . . . 20
G06N 05/02 - Knowledge representation . . . 20
G06Q 10/00 - Administration, e.g. office
A few words from the editor 2 automation or reservations . . . . . . . 21
G06Q 20/00 - Payment schemes,
Table of Contents 3 architectures or protocols . . . . . . . . 22
G06Q 30/00 - Commerce, e.g. marketing,
B65 - containersfor storage or transport of
shopping, billing, auctions or e-commerce 29
articles or materials, e.g. bags, barrels,
bottles, boxes, cans, cartons, crates, G06Q 40/00 - Finance, e.g. banking,
drums, jars, tanks, hoppers, forwarding investment or tax processing . . . . . . 33
containers 4 G06Q 50/00 - Systems or methods specially
B65D 27/12 - Closures . . . . . . . . . . . . . 4 adapted for a specific business sector,
e.g. health care, utilities, tourism or
G01 - Measuring distances, levels or bearings 4 legal services . . . . . . . . . . . . . . . 49
G01C 21/00 - Navigation . . . . . . . . . . . 4
H04 - Transmission of digital information, e.g.
G06 - Electric digital data processing 6 telegraphic communication 49
G06F 03/048 - Interaction techniques
H04L 09/32 - including means for verifying
for graphical user interfaces, e.g.
the identity or authority of a user of the
interaction with windows, icons or menus 6
G06F 11/34 - Recording or statistical system . . . . . . . . . . . . . . . . . . . 49
evaluation of computer activity, e.g. of H04M 01/66 - with means for preventing
down time, of input/output operation . . 11 unauthorised or fraudulent calling . . . . 49
G06F 15/16 - Combinations of two or more H04N 05/225 - Television cameras . . . . . . 50
digital computers each having at least
an arithmetic unit, a programme unit Patent Index 51
and a register, e.g. for a simultaneous
processing of several programmes . . . 12 IPC Catchword Index 52

G01C 21/00
B65D 27/12: containersfor storage or transport of articles or materials,

e.g. bags, barrels, bottles, boxes, cans, cartons, crates, drums, jars,
tanks, hoppers, forwarding containers Ü Envelopes or like essentially-
rectangular flexible containers for postal or other purposes having no
structural provision for thickness of contents Ü Closures
App. No. 20100088168 Assignee TARGET BRANDS, INC.
Title Account application product, associated package and method for processing an associated
application
Abstract An account application product includes a package, an account identifier and a terms sheet. The
package includes a first panel extending from a free edge to a first fold line, a second panel
extending away from the first fold line to a second fold line, and a third panel extending away from
the second fold line. The first panel is folded back along the first fold line toward a first surface of
the second panel to define a storage area between the first panel and the second panel. The third
panel is folded forward along the second fold line toward a second surface of the second panel.
The account identifier indicates an account associated with the account application product and
is configured to be machine readable. The terms sheet is selectively stored in the storage area
and includes printed terms for the account. Associated packages and method are also disclosed.
Pri. Date 20081008 App. Date 20091002 Pub. Date 20100408

G01C 21/00
G01C 21/00: Measuring distances, levels or bearings Ü Navigation

App. No. 20100082445 Assignee Apple Inc.
Title Smart menu options
Abstract Systems and methods are provided that allow for a portable electronic device to provide smart
menus to a user based on a context of a transaction. Specifically, the method of using a portable
electronic device may include opening a near field communication (NFC) channel with a point-
of-purchase device and providing a smart menu based on a determined context. The portable
electronic device may be configured to determine the context based at least in part upon acquiring
sales transaction information for the point-of-purchase device. Additionally, the portable electronic
device may be configured to determine the context based at least in part upon acquiring vendor
identification information.

G06F 03/048

G06F 03/048
G06F 03/048: Electric digital data processing Ü Input arrangements for

transferring data to be processed into a form capable of being handled
by the computer Ü Input arrangements or combined input and output
arrangements for interaction between user and computer Ü Interaction
techniques for graphical user interfaces, e.g. interaction with windows,
icons or menus
App. No. 20100095216 Assignee
Title Secure online communication through a widget on a web page
Abstract A client device requests a web page via a network, where the web page is identified by an identifier
and references a widget. In response to receipt of the requested web page, the client device
requests the widget referenced by the web page and presents, within the requested web page,
a presentation of the widget. Thereafter, in response to a user input via the presentation of the
widget, information is transmitted via a secure connection between the widget on the client device
and a server. The client device optionally presents confirmation of receipt of the information via
the presentation of the widget while maintaining user context in the web page
App. No. 20100100424 Assignee BANK OF AMERICA CORPORATION

Title Tools for relating financial and non-financial interests
Abstract Embodiments of the invention provide an apparatus having processor configured to (a) provide
a user with access to the user’s financial account via a graphical user interface; (b) determine
user preferences based at least partially on the user’s financial information; and (c) provide non-
financial content to the user via the graphical user interface and based at least partially on the
user preferences. In one embodiment, the processor is configured to determine user preferences
by determining trends in the user’s financial information. In one embodiment, the processor is
configured to determine user preferences by distinguishing between user financial transactions
that are regular and user financial transactions that are ad hoc.

G06F 03/048

G06F 03/048

G06F 03/048

G06F 11/34

Title Real estate transaction management system
Abstract An automated system and method for managing real estate transactions includes a processing
unit and a memory that may store program instructions for execution by the processing unit. The
program instructions implement a real estate transaction management system that may include a
contract negotiation module that may be configured to iteratively maintain, within the memory, one
or more electronic versions of a real estate contract. The contract negotiation module may also
provide access to each version of the contract by each party to the contract and may generate a
new version of the contract in response to at least one of the parties editing, electronically initialing
and electronically signing one or more times on any page of a given version of the contract. The
contract negotiation module may further notify at least some parties in response to each new
version being submitted.
G06F 11/34: Electric digital data processing Ü Error detection Ü Monitoring

Ü Recording or statistical evaluation of computer activity, e.g. of down
time, of input/output operation
App. No. 20100100426 Assignee MoneyGram International, Inc.
Title Agent management system
Abstract An automated process for processing application data related to agent on-boarding in a money
transfer system includes proforma subprocessing to pre-qualify the application data, analysis
subprocessing to analyze the application data, set-up subprocessing to set up agents on the
money transfer system and training subprocessing to train the agents on services provided by the
money transfer system. Each of the subprocesses accepts an administrator input in response
to the application data. In response to the administrator input, each of the subprocesses has
an outcome that is one of forwarding the data, denying the data, notifying an originator of the
application data and requesting additional data.

G06F 15/16
G06F 15/16: Electric digital data processing Ü Digital computers in

general Ü Combinations of two or more digital computers each having
at least an arithmetic unit, a programme unit and a register, e.g. for a
simultaneous processing of several programmes
App. No. 20100088210 Assignee ByAllAccounts, Inc.
Title Financial portfolio management system and method
Abstract A financial portfolio management system operable in a network environment can be configured to
gather financial information from a plurality of sources over an electronic network and intelligently
aggregate the information into a financial portfolio viewable by a client. The client can determine
which accounts should be included in the portfolio. The system uses web crawling, parsing,
or spidering technology to update the portfolio information. The system provides one platform
that conveys financial information from a variety of accounts held at several different financial
institutions.

G06F 15/16

Title Computer network based system and method for education account registration, invitation and
tracking
Abstract A web based system and method allows an adult relative or custodial adult subscriber to notify
others of the pending special occasion for the designated person (beneficiary). The subscriber is
provided the option to post family pictures and to set up a transfer account. The list of transfer
accounts is then emailed or mailed notification of said date and is directed to the web site. The
web site directs the invited persons to transfer money to the account. The transfer account’s
purpose is to allow financial gift giving for the custodian’s designated account and purpose.
The account is directed for educational and or special needs. The custodial recipient receives
a notification of each gift.

G06F 15/16

Title Office management solution
Abstract A software method and utility for business practice management based on a prescribed workflow
with defined interactions between the users of the system, the clients of the business practice,
and information relating to the clients or assets of the business practice. The system facilitates
management of assets and human resources, including employees, client accounts, inventory,
and records using a modular approach.

G06F 17/30
Patent applications also belong to this classification and have been already shown:
20100095216 page 7
G06F 17/00: Electric digital data processing Ü Digital computing or

data processing equipment or methods, specially adapted for specific
functions
20100088168 page 4

functions Ü Information retrieval
App. No. 20100094671 Assignee PE Systems
Title Pin-less debit payment processing
Abstract This document describes tools for providing PIN-less debit (PLD) processing for a client, such as a
merchant. In some embodiments, the tools intercept a request from a client to process a payment
transaction for a consumer. If PLD processing is available for the transaction, the tools provide
an indication to the client that PLD processing is an available option for processing the payment
transaction. If the tools receive an indication that the consumer has opted to process the payment
as a PLD transaction, the tools negotiate with a payment processor for fulfillment of the payment
transaction. The tools are configured to handle one or more of the certification and compliance
procedures required to process PLD transactions with a payment processor, thus allowing the
client to process PLD transactions without having a direct payment processing relationship with a
payment processor that offers PLD transaction processing.

G06F 17/30

Title Compensation contract supporting system, method for supporting compensation contract, and
program thereof
Abstract A compensation contract supporting system that supports a compensation contract which
provides a customer compensation for a profit risk created by a plurality of risk factors that
influence a profit of the customer, comprising a database for storing statistical data of the plurality
of risk factors; a first probability calculation unit for calculating a probability, in which a part of the
plurality of the risk factors satisfy a predetermined first condition and remaining plurality of the
risk factors satisfying a predetermined second condition using the database, and at least one of
the first condition and the second condition being a non-financial condition that is not related to a
financial product; and a ratio calculation unit for calculating a ratio between a first compensation
amount to be paid or received by the customer when the part of the risk factors satisfy the first
condition and a second compensation amount to be paid or received by the customer when the
remaining risk factors satisfy the second condition using the probability calculated by the first
probability calculation unit.

G06F 17/30

Title Object oriented system for managing complex financial instruments
Abstract Object oriented design strategies and patterns are applied to financial data processing systems
for processing and modeling of financial products (also referred to as financial instruments) with
an emphasis being on derivative products. The system employs valuation independent, well-
defined financial components (also referred to as financial events) that can be combined to
build new financial structures. A general purpose software model is provided for representing
the structure and characteristics of these products. A declarative specification language is
provided to describe financial instruments in a consistent manner that lends itself to processing in
such an object oriented system. A general traversal process is provided that can be applied
to the macro structure of a financial instrument to implement various functions that produce
results based on such information, such as the stream of financial events associated with the
instrument, or the pricing or valuation of the instrument. Techniques including double dispatch and
other mechanisms are further provided to provide flexible means of associating the appropriate
processing methods with the diverse range of instrument characteristics that are encountered in
a typical financial institution’s course of business.

G06F 17/30

Title Interactive and collaborative financial customer experience application
Abstract Systems, methods, and computer program products are provided for an interactive financial
customer experience that allows collaboratively selecting financial products for a customer.
The customer experience assesses the customer’s life events and subsequently uses the life
events and the proximate date of occurrence of the life events to determine financial product
recommendations and offers for the customer. Additionally, the customer experience may
assess the customer’s life interests and/or financial portfolio to further determine financial product
recommendations and offers. The financial product recommendations, along with other financial
product options, may be presented to the customer and financial institution associate in a user-
friendly platform that further accentuates the collaborative nature of the financial product selection
process.

G06F 17/30

G06Q 10/00
20100106651 page 11

applications
App. No. 20100100271 Assignee SINEX AVIATION TECHNOLOGIES
Title Aircraft mro manager
Abstract Electronic aircraft maintenance, repair and overhaul (MRO) tools that improve an organizations
ability to manage nearly every phase of an aircraft maintenance visit. MRO management may be
implemented at the single aircraft level all the way up to the organization level including several
facilities each of which include several aircrafts. The disclosed MRO management solutions
assist with mapping out short term and long term planning; including manpower and material
and tooling requirements. Additionally, current and future workloads may be identified and
considered in advance of maintenance execution to significantly improve stakeholder satisfaction.
The methods and systems disclosed generate an electronic contract based on a bill of work to
control maintenance task execution, report progress of executing the tasks, and process scope
changes to the bill of work and the associated contract. Improved communication of financial
milestones and timely closure of both maintenance work and billing processes is facilitated by
generating billing invoices and processing electronic approvals based on the electronic contract
and the bill of work. Customer flexibility is improved by providing standalone management tools,
as well as integration with existing external systems. Additional features include supply chain
management and tooling controls necessitated by growing regulatory demands.
G06K 19/00: Recognition of data Ü Record carriers for use with machines
and with at least a part designed to carry digital markings
20100088168 page 4

G06Q 10/00
G06N 05/02: Computer systems based on specific computational models

Ü Computer systems utilizing knowledge based models Ü Knowledge
representation
20100094741 page 16
G06Q 10/00: Data processing systems or methods, specially adapted

for administrative, commercial, financial, managerial, supervisory or
forecasting purposes Ü Administration, e.g. office automation or reservations
Title System and method for multi layer rule processing background
Abstract A system and method for processing a digital transaction using a layered rule architecture. Any
number of rules may be applied to or tested against a transaction record. Rules and associated
actions may be associated with priorities. A conflict resolution method or logic may be used
to select one or more actions from a set of actions resulting from applying a set of rules to a
transaction record.

Title System to enable collaborative investment
Abstract A system adapted to enable plural forms of investment of resources by investors in a project
preferably for a primary beneficiary, comprising a processor adapted to enable input by a primary
user of one or more elements of the project, each element having specified properties and
resource requirements, display to a plurality of investors of details of the project and the resource
requirements of each of the elements of the project, and input by an investor of details of the
availability of one or more of the resource requirements, the processor being adapted to determine
allocation of each elements of the project to one or more investors.

G06Q 20/00
20100094741 page 16 20100100271 page 20 20100100424 page 7
20100100426 page 11 20100106554 page 14 20100106651 page 11

G06Q 20/00

forecasting purposes Ü Payment schemes, architectures or protocols
Title Comprehensive method for increasing credit scores
Abstract A comprehensive method for guaranteeing an increase in the credit score of a qualified consumer,
which subsequently assists the consumer in securing all types of loan financing, including, but not
limited to, mortgage financing, business financing, and general loan financing (e.g., automobile,
motorcycle, boat, etc.), includes program components that are designed for a one year timeframe,
although credit scores may be improved in less time, or the timeframe can be extended as
needed. The components include an education component, a proactive component, a monitoring
component, and a measuring/results component.

G06Q 20/00
App. No. 20100082481 Assignee Apple Inc.

Title Peer-to-peer financial transaction devices and methods
Abstract Various techniques are provided for carrying out peer-to-peer financial transactions using one or
more electronic devices. In one embodiment, a request for payment is transmitted from a first
device to a second device using a near field communication (NFC) interface. In response to the
request, the second device may transmit payment information to the first device. The first device
may select a crediting account and, using a suitable communication protocol, may communicate
the received payment information and selected crediting account to one or more external financial
servers configured to process and determine whether the payment may be authorized. If the
payment is authorized, a payment may be credited to the selected crediting account. In a
further embodiment, a device may include a camera configured to obtain an image of a payment
instrument. The device may further include an application to extract payment information from the
acquired image.

G06Q 20/00

G06Q 20/00

G06Q 20/00

G06Q 20/00

Title Mobile payer authentication
Abstract An address of a computing device for conducting a transaction with a merchant on an account of
an account holder is used to obtain display attributes of the computing device. An authentication
request is formatted using the obtained display attributes of the computing device. The formatted
authentication request is sent for delivery to the logical address of the computing device. In
response to the formatted authentication request, authentication information for the account
holder is received from the logical address of the computing device. A validation attempt is
performed on the received authentication information for the account holder. If the received
authentication information for the account holder was successfully validated by the performance of
the validation attempt, the authentication response is transmitted for delivery to a logical address
for the merchant.

G06Q 30/00
20100082445 page 5 20100095216 page 7 20100100477 page 13
20100106651 page 11

forecasting purposes Ü Commerce, e.g. marketing, shopping, billing,
auctions or e-commerce
App. No. 20100100399 Assignee HARTFORD FIRE INSURANCE COMPANY
Title System and method for administering insurance accounts
Abstract A computer system for administering an insurance account includes a processor and a memory
in communication with the processor. The processor is adapted to access from a memory
storage device data indicative of a payment mode associated with premium payments to the
account or payments from the account; access from the memory data indicative of a calculation
associated with the account dependent on the payment mode; perform the calculation based on
the accessed payment mode dependent data; and provide an output signal having data indicative
of the performed calculation.

G06Q 30/00

Title Financial planning tool
Abstract Embodiment of the invention provide tools that take a person’s financial data (accumulated from
one or multiple sources and financial institutions) and determines which transactions are regular
and which are ad hoc and then projects future cash flow. In one embodiment, the tool is configured
to use this projected cash flow data to make automatic recommendations on how the user can
save money in the future based on known offers and/or transactions made by others.

G06Q 30/00

G06Q 30/00

G06Q 40/00
20100088168 page 4 20100094671 page 15 20100100424 page 7
20100106651 page 11

forecasting purposes Ü Finance, e.g. banking, investment or tax processing
App. No. 20100082468 Assignee eBay Inc.
Title Funding on-line accounts
Abstract A system generates an identifier when a consumer deposits cash, where a new unique identifier
is generated with each transaction. The consumer receives the identifier and the identifier (along
with the amount of cash deposit) is communicated to a payment provider for storage. The
consumer may then access and fund an on-line account with the financial services provider by first
accessing the account and entering the unique character identifier, which the system processes.
If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash
amount, then the system transfers that amount to the consumer’s account. At this point, the
consumer may use the account to make an on-line transaction or purchase with the newly funded
amount.

G06Q 40/00
App. No. 20100082469 Assignee SAS Institute Inc.

Title Constrained optimized binning for scorecards
Abstract Computer-implemented systems and methods are provided for generating bins for a scorecard.
An approximate set of bins is generated by applying an optimization model to binning data. The
optimization model includes an objective function, constraints, and surrogate weight of evidence
metric(s). The approximated set of bins are then used in scorecard operations.

G06Q 40/00
App. No. 20100082470 Assignee INTERNATIONAL BUSINESS MACHINES CORPORATION

Title Method for remote check deposit
Abstract A method and system for depositing a negotiable instrument, such as a check, using a cellular
phone camera. The customer images the check for deposit by taking a photograph of the check
with his cellular phone camera and sends the photograph as a MMS to the customer’s bank.
The system enables validating image quality, automatically recognizing code line, confirming
geographical location of the deposit and verifying a courtesy amount of the check so that the
check is deposited into the customer’s bank account remotely.

Title Constant leverage synthetic assets
Abstract A method of applying a substantially constant leverage to a value of a log-normal distributed asset
includes providing an underlying log-normal distributed asset having an original volatility x3c3; and
an original yield q. The asset includes an associated value S denominated in a currency having
an associated interest rate r. The method and system also include applying a leveraging factor L
to produce a modified value, volatility and/or a modified yield.

G06Q 40/00

Title Life insurance system and method
Abstract A system for providing life insurance with no out-of-pocket cost including life insurance premiums,
a cash component, an increasing death benefit having a fixed portion and a rider portion, the rider
portion being at least equal to a cumulative loan balance, an investment configured to provide a
rate of return for the cash component, and a stock loan using stock collateral which configured to
pay the life insurance premiums.
App. No. 20100088209 Assignee Chicago Mercantile Exchange Inc.

Title Option pricing model for event driven instruments
Abstract Systems and methods are provided for valuing event driven option contracts. A jump diffusion
based model, such as a Merton jump diffusion based model, is modified to assume arithmetic
movement of an underlying price and a single jump. The arithmetic movement of the underlying
price may be modeled with a Bachelier based arithmetic model. Calculated values may be used
to determine margin account requirements.

G06Q 40/00

Title System and method for matching one or more incoming order to a standing order based on
multiple order priority
Abstract A method of order allocation is disclosed. The method includes receiving an incoming order,
establishing an inner market representing a first portion of an order book which may be defined
as a function of an inner market parameter, designating the first portion of the order book as
a priority and allocating the first portion of the received incoming order based on the priority,
establishing an outer market that represents a second portion of the order book that includes the
remainder of the order book not represented by the inner market of the order book, assigning the
received incoming order to one of the inner or outer markets as a function of the inner market
parameter, allocating a first portion of the incoming order to the inner market utilizing a first-in,
first-out (FIFO) algorithm, and allocating a second portion, in excess of the first portion, of the
incoming order to the outer market using a pro-rata algorithm.

G06Q 40/00
App. No. 20100088220 Assignee SYPHR LLC

Title Systems and methods for providing loan analysis
Abstract A data processing system provides loan analysis for a consumer eligible to receive loan services
from a particular financial institution. The data processing system performs the loan analysis by
determining every existing loan of the consumer reflected in a credit report from the credit report.
Each of the determined existing loans having a loan type that is offered by the particular financial
institution is matched with a respective replacement loan available at the particular financial
institution. The data processing system then reports a comparison of one or more determined
existing loans with one or more matched replacement loans.

G06Q 40/00
App. No. 20100094665 Assignee M Financial Group

Title Life insurance products under a single approved form
Abstract A system and method for generating life insurance products under a single approved form.
In one aspect, a system and method are provided for determining a premium schedule by
selecting a death benefit; targeting a projected balance of an account associated with the product;
designating at least one premium band; generating, in response to a deferral determination for
at least one premium-based charge for at least one premium band, factors for allocating charges
associated with the product; and calculating the premium schedule. In another aspect, a system
and method are provided for determining a death benefit, and in another aspect, a system and
method are provided for determining a projected balance of an account associated with a life
insurance product.

G06Q 40/00

Title System and method for providing transaction-based profit solutions
Abstract A method and system for generating profit having a partner transaction module configured to
charge a partner transaction fee for a transaction performed by a partner, and receive, from a
partner, payment for the partner transaction fee when the partner performs a transaction, a base
transaction module configured to pay, in the event the partner performs a transaction through a
third party, a base transaction fee to the third party, wherein the base transaction fee is equal to
or lesser than the partner transaction fee, and a profit module configured to receive a profit on the
transaction, wherein the profit is the difference between the partner transaction fee and the base
transaction fee.

G06Q 40/00

G06Q 40/00
App. No. 20100094740 Assignee CashLocale.com Inc.

Title Financial planning and plan execution
Abstract A computer-readable medium stores software that, when executed by a processor, causes the
processor to create a financial plan for a user based on financial information provided by at least
one of a plurality of financial institutions and the user; retrieve updated data regarding the user
provided by at least one of the plurality of financial institutions; compare the data with the plan;
output for display the comparison; and schedule at least one transaction with at least one of the
plurality of financial institutions based on the comparison.

Title Managing transaction accounts
Abstract A transaction account verification system and method are provided. A user computing device
transmits an account registration request that includes a selection of an account verification
technique. A service provider obtains the request and initiates a set of transactions with an
identified financial service provider. The service provider generates at least one verification
token reflective of the set of transactions and at least one piece of information associated with
the selected account verification technique. The user computing device generates at least one
user verification token from user input regarding the set of transactions and at least one piece of
information associated with the selected account verification technique. The service provider can
verify the transaction account and set transaction thresholds based upon matching verification
tokens.

G06Q 40/00

Title Calculating credit worthiness using transactional data
Abstract Aspects of the invention provide for the use of transactional data in determining credit and product
offerings. Further aspects of the invention provide for generating financial statements and indices
using transactional data for use by users and/or financial institutions. The transactional based
financial statements and indices may be used for making underwriting and financial planning
decisions.

Title Combined loan and investment system and method
Abstract A combined loan and investment program comprises a computer processor and program code
configured to be executed by the computer processor to process financial loan and investment
data by calculating from the data interest and principal loan payments on a loan principal at a
given rate and term, calculating investment performance data on a periodic principal investment
deposit at a given rate and calculating loan principal amortization parameters as a function of
the investment performance data. The present invention provides a method for paying off a
mortgage and simultaneously generating wealth via an investment account by making a payment
to a mortgagee, dividing the payment, applying a first portion of the payment to satisfy the interest
due on the mortgage, applying a second portion of the payment to an investment account, allowing
the investment account to grow and applying a portion of the investment account to satisfy the
mortgage.

G06Q 40/00

Title Systems and methods for scheduling contributions to a retirement savings plan
Abstract Computer-based systems and methods are described for generating personalized, automated
contribution strategies for scheduling contributions to a retirement savings plan or other savings
plan. Embodiments of the systems and methods provide visual and other educational displays
to assist a client in choosing a suitable savings contribution strategy that may take into account
at least one of the set consisting of details of an employer-sponsored savings fund available
to the client which may include opportunities for employer matching-funds, acceptable portion
of standard-of-living increases derived from salary raises that the client is willing to contribute
to a savings plan, client’s current savings behavior and value of savings portfolio, effects of the
stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients
may use the systems for educational and planning purposes and/or may authorize automated
triggering of contributions with scheduled increases and/or decreases as specified by the selected
plan.

G06Q 40/00
App. No. 20100100400 Assignee ASSURANT, INC.

Title Financial systems and methods for providing loans to individuals in response to the occurrence
of a qualifying event
Abstract Computer systems that, in various embodiments, are configured for (A) storing policy information
within the system’s memory, the policy information indicating that a particular individual holds a
policy that provides the individual with the option to, upon the occurrence of a qualifying event,
receive a loan at a below-market rate (e.g., 0%); (B) receiving data indicating that the qualifying
event has occurred; and (C) at least partially in response to receiving the data indicating that
the qualifying event has occurred, facilitating the provision of the loan to the particular individual
at the below-market rate. The qualifying event may be, for example (A) the death of a specified
individual (e.g., the policy holder); (B) the disability of the specified individual; (C) the involuntary
unemployment of the specified individual; (D) the birth of the specified individual’s child; or (E) the
adoption of a child by the specified individual.

Title Financial data comparison tool
Abstract Embodiments of the present invention provide apparatuses and methods for allowing a user to
compare his or her financial data to the financial data of a hypothetical peer person. For example,
an apparatus is provided including (a) a communication interface configured to communicate with
a user terminal, wherein the communication interface is configured to receive user input from
the user terminal; and (b) a processor configured to compare a user’s finances with finances
of an average member of a select group of people, the comparison based at least partially on
the received user input, wherein the communication interface is configured to provide the user
terminal with a visual comparison of the user’s finances with the finances of an average member
of the select group of people.

G06Q 40/00

G06Q 40/00

G06Q 40/00
App. No. 20100106633 Assignee Chicago Mercantile Exchange Inc.

Title Valuation of derivative products
Abstract Disclosed are a method, apparatus, and computer-readable medium for determining the value of
a derivative product over nonconsecutive periods. The derivative product may be an interest rate
swap product, which, when exchanged traded, normally is valued on a mark-to-market basis over
consecutive periods. The product may be valued using swap value factors and settlement values
according to the methodology disclosed herein.

H04N 05/225

Title Client relationship profile
Abstract Embodiments of the present invention are directed to methods, systems and computer program
products for developing a client relationship program. The method for developing a client
relationship program includes determining information desired to be included in a client
relationship profile, inputting client identification information into an interface and querying a
plurality of operation’s areas systems with the client identification information.
20100082476 page 23 20100082481 page 24 20100088168 page 4
20100088210 page 12 20100094671 page 15 20100094741 page 16
20100094747 page 17 20100094774 page 18 20100100271 page 20
20100100399 page 29 20100100424 page 7 20100100426 page 11
20100100470 page 30 20100100477 page 13 20100106554 page 14
20100106634 page 21 20100106651 page 11

forecasting purposes Ü Systems or methods specially adapted for a
specific business sector, e.g. health care, utilities, tourism or legal
services
20100100477 page 13 20100106651 page 11
H04L 09/32: Transmission of digital information, e.g. telegraphic communication

Ü Arrangements for secret or secure communication Ü including means
for verifying the identity or authority of a user of the system
20100082481 page 24

H04N 05/225
H04M 01/66: Telephonic communication Ü Substation equipment, e.g.

for use by subscribers Ü with means for preventing unauthorised or
fraudulent calling
20100082486 page 28
H04N 05/225: Pictorial communication, e.g. television Ü Details of

television systems Ü Studio circuitry Ü Television cameras

Patent Index
Patent Index
Patent Application Page Patent Application Page Patent Application Page
20100082445 5 20100082468 33 20100082469 34
20100082470 35 20100082471 35 20100082476 23
20100082481 24 20100082486 28 20100088122 36
20100088168 4 20100088209 36 20100088210 12
20100088213 37 20100088220 38 20100094665 39
20100094671 15 20100094739 40 20100094740 42
20100094741 16 20100094742 42 20100094747 17
20100094750 43 20100094774 18 20100094776 43
20100094778 44 20100095216 7 20100100271 20
20100100399 29 20100100400 45 20100100424 7
20100100426 11 20100100468 21 20100100469 45
20100100470 30 20100100477 13 20100106554 14
20100106633 48 20100106634 21 20100106635 49
20100106651 11

IPC Catchword Index
IPC Catchword Index
Catch Word IPC Page

ACCOUNT(S) electric digital computers for accounting G06F 17/00 15
BANK(S) -accounting computers G06F 17/00 15
CAMERA(S) television CAMERA(S) H04N 05/225 50
COMPILING statistics G06 6
COMPUTER(S) G06 6
COMPUTER(S) multimedia applications G06F 17/00 15
COURSES measuring COURSES G01C 21/00 5
DATA processing G06 6
DRAG(S) measuring DRAG(S) in navigation G01C 21/00 5
DRIFT(S) measuring DRIFT(S) for navigation G01C 21/00 5
EQUATIONS solving EQUATIONS G06 6
FUNCTIONS evaluating FUNCTIONS G06 6
INFORMATION electric digital computers for INFORMATION retrieval G06F 17/30 15
INVENTORY electric digital computers for INVENTORY G06F 17/00 15
INVOICING electric digital computers for INVOICING G06F 17/00 15
MEASURING G01 4
NAVIGATION G01C 21/00 5
PLOTTING in navigation G01C 21/00 5
PREVENTING fraudulent or unauthorized calling H04M 01/66 50
RESERVATION electric computers for RESERVATION of seats G06F 17/00 15
ROUTES determining ROUTES G01C 21/00 5
SEAT(S) electric digital computers for SEAT(S) reservation G06F 17/00 15
STATISTICS electric digital computers for STATISTICS G06F 17/00 15
STORAGE of information on record carriers designed to carry digital markings G06K 19/00 20
TOTALISATORS for electrically computing outcome of betting G06F 17/00 15
TRAFFIC electric digital computers for TRAFFIC control G06F 17/00 15
VARIABLES measuring VARIABLES G01 4
VEHICLES measuring position or course of VEHICLES G01C 21/00 5
WEAPON(S) electric digital computers for WEAPON(S) G06F 17/00 15

Financial Instrument - April 2010 USPTO Published Patent Applications

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Financial Instrument - April 2010 USPTO Published Patent Applications

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US Patent Application Review Series

Trading of Financial Instrument

April 2010 issue

Provide to you by:

Trading of Financial Instrument - April 2010 USPTO Patent Applications 1

A few words from the editor

Structure of this review IPC Catchword Index is an alphabetical sorted list of

Trading of Financial Instrument - April 2010 USPTO Patent Applications 2

G06F 17/00 - Digital computing or data

machines and with at least a part

Trading of Financial Instrument - April 2010 USPTO Patent Applications 3

B65D 27/12: containersfor storage or transport of articles or materials,

Trading of Financial Instrument - April 2010 USPTO Patent Applications 4

G01C 21/00: Measuring distances, levels or bearings Ü Navigation

Trading of Financial Instrument - April 2010 USPTO Patent Applications 5

Trading of Financial Instrument - April 2010 USPTO Patent Applications 6

G06F 03/048: Electric digital data processing Ü Input arrangements for

App. No. 20100100424 Assignee BANK OF AMERICA CORPORATION

Trading of Financial Instrument - April 2010 USPTO Patent Applications 7

Trading of Financial Instrument - April 2010 USPTO Patent Applications 8

Trading of Financial Instrument - April 2010 USPTO Patent Applications 9

Trading of Financial Instrument - April 2010 USPTO Patent Applications 10

App. No. 20100106651 Assignee

G06F 11/34: Electric digital data processing Ü Error detection Ü Monitoring

Trading of Financial Instrument - April 2010 USPTO Patent Applications 11

G06F 15/16: Electric digital data processing Ü Digital computers in

Trading of Financial Instrument - April 2010 USPTO Patent Applications 12

App. No. 20100100477 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 13

App. No. 20100106554 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 14

G06F 17/00: Electric digital data processing Ü Digital computing or

G06F 17/30: Electric digital data processing Ü Digital computing or

Trading of Financial Instrument - April 2010 USPTO Patent Applications 15

App. No. 20100094741 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 16

App. No. 20100094747 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 17

App. No. 20100094774 Assignee BANK OF AMERICA CORPORATION

Trading of Financial Instrument - April 2010 USPTO Patent Applications 18

Trading of Financial Instrument - April 2010 USPTO Patent Applications 19

G06F 19/00: Electric digital data processing Ü Digital computing or

Trading of Financial Instrument - April 2010 USPTO Patent Applications 20

G06N 05/02: Computer systems based on specific computational models

G06Q 10/00: Data processing systems or methods, specially adapted

App. No. 20100106634 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 21

Trading of Financial Instrument - April 2010 USPTO Patent Applications 22

G06Q 20/00: Data processing systems or methods, specially adapted

Trading of Financial Instrument - April 2010 USPTO Patent Applications 23

App. No. 20100082481 Assignee Apple Inc.

Trading of Financial Instrument - April 2010 USPTO Patent Applications 24

Trading of Financial Instrument - April 2010 USPTO Patent Applications 25

Trading of Financial Instrument - April 2010 USPTO Patent Applications 26

Trading of Financial Instrument - April 2010 USPTO Patent Applications 27

App. No. 20100082486 Assignee

Trading of Financial Instrument - April 2010 USPTO Patent Applications 28

G06Q 30/00: Data processing systems or methods, specially adapted

Trading of Financial Instrument - April 2010 USPTO Patent Applications 29

App. No. 20100100470 Assignee BANK OF AMERICA CORPORATION

Trading of Financial Instrument - April 2010 USPTO Patent Applications 30

Trading of Financial Instrument - April 2010 USPTO Patent Applications 31

Trading of Financial Instrument - April 2010 USPTO Patent Applications 32

G06Q 40/00: Data processing systems or methods, specially adapted