Collectively analyzing holdings across multiple fixed income products

Abstract

Systems, methods, and computer-readable mediums (i.e., utilities) for use in enabling corporate treasurers, money managers, and other investors to view and analyze consolidated credit risk on individual investments across multiple money market products (MMPs) and/or multiple accounts. In one aspect, the utilities may generate a database of MMP and related holding information that may be used to research and analyze one or more MMPs and/or underlying securities even if the same MMP or security is associated with different identifiers. In another aspect, the securities or holdings of the MMPs of actual or sample accounts may be aggregated (e.g., by common identifier, sponsor, issuer, etc.) either within MMPs and/or across multiple MMPs and subsequently analyzed to generate inferences and to obtain numerous types of information which may be presented to corporate treasurers and/or other users on a display (e.g., text, charts, graphs, etc.) for use in gauging a company's or other entity's credit exposure and in making decisions based on what is displayed.

1 - 53 . (canceled) 
     
     
         54 . A method for use in providing aggregated investment information for fixed income products (FIPs) each of said FIPs having holdings of one or more of the following types: commercial paper, asset-backed commercial paper, repurchase agreements, short-term bonds, floating rate notes, variable rate demand notes, and other FIPs,
 the method comprising:   providing a data structure wherein FIP information and holding information for individual FIPs, made available from different sources at least pursuant to applicable disclosure regulations governing FIPs, is collected in a form that allows for comparison of the FIP information and holding information from the different sources;   processing an input, using a computer-based FIP information aggregation system, to identify a plurality of FIPs associated with a query of a given user;   based on the identified FIPs, accessing said data structure of said computer-based FIP information aggregation system to obtain holding information, for each of said identified FIPs, relating to individual holdings of said FIPs;   first operating said computer-based FIP information aggregation system to obtain attribute information regarding attributes of said identified FIPs and said individual holdings of said identified FIPs; and   second operating said computer-based FIP information aggregation system to provide output information to said user based on said attribute information.   
     
     
         55 . The method of  claim 54 , further comprising:
 grouping, using a processor, at least one of a) two or more FIPs and b) two or more holdings; and   performing an analysis on attribute information of the grouped FIPs and/or holdings, wherein the second operating comprises sending results of the analysis for presentation on a display.   
     
     
         56 . The method of  claim 55 , wherein the grouping comprises:
 grouping two or more holdings according to a first attribute, and wherein the performing comprises:   performing the analysis on the grouped holdings using a second attribute different than the first attribute.   
     
     
         57 . The method of  claim 55 , wherein the first attribute comprises at least one of a sponsor, issuer, domicile nation and category of the two or more grouped holdings. 
     
     
         58 . The method of  claim 56 , wherein the second attribute comprises a holding value in currency or as a percentage of account under management value, and wherein said performing the analysis using the second attribute comprises:
 combining second attribute values of the two or more grouped holdings to obtain a measure of the second attribute.   
     
     
         59 . The method of  claim 56 , wherein the first attribute comprises the descriptor of the holdings, and wherein said performing the analysis comprises:
 aggregating second attribute information of holdings of the account under management that are identified by a common descriptor.   
     
     
         60 . The method of  claim 59 , wherein one of the additional attributes comprises a holding value in currency or as a percentage of account under management value, and wherein the aggregating comprises:
 determining a combined holding value of holdings identified by a common descriptor.   
     
     
         61 . The method of  claim 55 , further comprising:
 comparing the results of the analysis to at least one standard or guideline, wherein the output display information indicates a decision as to whether or not the analysis complies with the at least one standard or guideline.   
     
     
         62 . The method of  claim 61 , wherein the at least one standard or guideline comprises a) the maximum position in any single FIP as a percentage of total financial account under management (AUM) value, b) the maximum position in any single FIP in terms of at least one monetary unit, c) the maximum position in any single FIP as a percentage of that FIP's total AUM, d) the maximum position any single holding issuer or sponsor as a percentage of total financial AUM value, e) the maximum position in any single country, based on holding sponsor or issuer domicile, as a percentage of the total financial AUM value, and f) the maximum position in a specific country, based on holding sponsor or issuer domicile, as a percentage of the total financial AUM value. 
     
     
         63 . A method for use in providing aggregated investment information for fixed income products (FIPs) each of said FIPs having holdings of one or more of the following types: commercial paper, asset-backed commercial paper, repurchase agreements, short-term bonds, floating rate notes, variable rate demand notes, and other FIPs,
 the method comprising;
 transmitting an input to a computer-based FIP information aggregation system, said input being sufficient to identify a plurality of FIPs associated with at least one account under management (AUM) wherein the computer-based FIP information aggregation system has access to a data structure wherein FIP information and holding information for individual FIPs, made available from different sources at least pursuant to applicable disclosure regulations governing FIPs, as well as attribute information regarding attributes of the FIPs and holdings, is collected in a form that allows for comparison of the FIP information, holding information and attribute information; and 
 receiving, from said computer-based FIP information aggregation system, aggregated information for one at least one of said attributes relating to said FIPs, wherein said aggregated information has been aggregated across multiple FIPs. 
   
     
     
         64 . The method of  claim 63 , wherein the aggregated information comprises an analysis of a first attribute of holdings of the AUM that have been grouped together according to a second attribute different than the first attribute. 
     
     
         65 . The method of  claim 64 , wherein the second attribute comprises at least one of a sponsor, issuer, domicile nation and sector of the grouped holdings. 
     
     
         66 . The method of  claim 63 , wherein the aggregated information includes a graphical indication as to whether the AUM complies with at least one standard or guideline. 
     
     
         67 . The method of  claim 66 , further comprising:
 sending a proposed transaction to the computer-based FIP information aggregation system, the proposed transaction comprising one or more FIPs to be added to and/or removed from the AUM; and   receiving, from the computer-based FIP information aggregation system, an indication as to whether a reaggregation of the attributes, including the proposed transaction, complies with the at least one standard or guideline.   
     
     
         68 . The method of  claim 67 , wherein the proposed transaction is responsive to an indication that the aggregated information fails to comply with at least one standard or guideline. 
     
     
         69 . The method of  claim 66 , wherein the graphical indication indicates whether the aggregated information complies with the at least one standard or guideline, and wherein the method further comprises:
 receiving a subsequent indication as to whether a reaggregation of the attribute information complies with the at least one standard or guideline.   
     
     
         70 . The method of  claim 66 , wherein the at least one standard or guideline comprises a) the maximum position in any single FIP as a percentage of total AUM value, b) the maximum position in any single FIP in terms of at least one monetary unit, c) the maximum position in any single FIP as a percentage of that FIP's total assets under management, d) the maximum position any single holding issuer or sponsor as a percentage of total AUM value, e) the maximum position in any single country, based on holding sponsor or issuer domicile, as a percentage of the total financial portfolio value, and f) the maximum position in a specific country, based on holding sponsor or issuer domicile, as a percentage of the total AUM value. 
     
     
         71 . The method of  claim 63 , further comprising:
 sending a proposed transaction to the network-based tool, the proposed transaction comprising at least one or more FIPs to be added to and/or removed from the AUM.   
     
     
         72 . The method of  claim 71 , wherein the proposed transaction comprises at least two or more FIPs to be added to and/or removed from the AUM. 
     
     
         73 . The method of  claim 63 , further comprising:
 receiving, from the computer-based FIP information aggregation system, information regarding a proposed transaction, wherein said proposed transaction is based at least in part on compliance with at least one standard or guideline.   
     
     
         74 . The method of  claim 63 , further comprising:
 sending at least one standard or guideline for analysis of a portfolio to the network-based analysis tool.   
     
     
         75 . A method for use in providing aggregated information for financial products where each of the financial products includes multiple holdings, the method comprising:
 providing a data structure wherein financial product information and holding information for individual financial products is collected in a form that allows for comparison of the financial product information and holding information across multiple financial products;   processing an input, using a computer-based information aggregation system, to identify a plurality of financial products associated with at least one account under management (AUM);   based on the identified financial products, accessing said data structure of said computer-based information aggregation system, to obtain aggregated holding information for the identified financial products;   conducting a first type of analysis with regard to the aggregated holding information;   determining whether the results of the first type analysis comply with at least one standard or guideline related to the first type of analysis; and   operating said computer-based information aggregation system to provide an output based on said determination.   
     
     
         76 . The method of  claim 75 , further comprising:
 grouping two or more of the financial products according to a first attribute, wherein the first type of analysis is conducted on the grouped financial products using a second attribute different than the first attribute.   
     
     
         77 . The method of  claim 75 , wherein the at least one standard or guideline is conducted in relation to at least one of a risk tolerance and a type of financial product. 
     
     
         78 . The method of  claim 77 , wherein the type of financial product comprises at least one of a short-term, medium-term and long-term investment. 
     
     
         79 . The method of  claim 75 , further comprising:
 conducting a subsequent instance of the first type of analysis;   determining whether results of the subsequent instance comply with the at least one standard or guideline; and   providing an output based on the determination.   
     
     
         80 . The method of  claim 75 , further comprising:
 receiving information regarding a proposed transaction comprising at least a portion of one or more financial products to be added to and/or removed from the AUM, wherein the subsequent instance incorporates at least some information related to the proposed transaction.   
     
     
         81 . The method of  claim 80 , wherein the proposed transaction comprises at least a portion of two or more financial products to be added to and/or removed from the AUM. 
     
     
         82 . The method of  claim 75 , further comprising:
 sending, to the user, a message responsive to a determination that the results of the first type of analysis fail to comply with at least one standard or guideline related to the first type of analysis.   
     
     
         83 . The method of  claim 75 , further comprising operating said computer-based FIP information aggregation system to generate a proposed transaction based on the at least one standard or guideline.