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US20110268272A1 - Encrypting and storing data on an electronic readable media incorporated into a financial prospectus - Google Patents

Encrypting and storing data on an electronic readable media incorporated into a financial prospectus Download PDF

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Publication number
US20110268272A1
US20110268272A1 US13/182,821 US201113182821A US2011268272A1 US 20110268272 A1 US20110268272 A1 US 20110268272A1 US 201113182821 A US201113182821 A US 201113182821A US 2011268272 A1 US2011268272 A1 US 2011268272A1
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Prior art keywords
data
electronically readable
readable medium
information
prospectus
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US13/182,821
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Philip M. Ginsberg
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Definitions

  • This invention relates to automation processes for accessing financial prospectus data. More particularly, this invention relates to methods and systems for enabling users of prospectuses to easily access the financial information contained therein.
  • a prospectus is a written document providing information concerning an offering of financial securities.
  • a prospectus contains narrative information on, for instance, the type and classification of security, the type of business associated with a security, potential risk factors, use of proceeds, and security voting rights.
  • a prospectus may also include both consolidated and detailed financial information on the associated business and the security itself.
  • Information in the form of data in the prospectus may, for instance, include underwriter compensation, dilution data, operations data, summary of accounting policies, inventories, property and equipment, leases and other assets, short-term borrowing and long-term debt, employee benefit plans, management salaries, income taxes and authorization of common and preferred stock.
  • the amount of data contained in a prospectus may be extensive.
  • Prospectuses are available in printed form, typically as a booklet, suitable for distribution to potential purchasers of securities. If the prospectus is associated with a federally-regulated security, it has to be submitted to the Securities Exchange Commission (SEC) where it is entered into their Electronic Data Gathering, Analysis, and Retrieval System (EDGAR). The prospectus information is then accessible by the general public over the SEC-maintained database.
  • SEC Securities Exchange Commission
  • EDGAR Electronic Data Gathering, Analysis, and Retrieval System
  • the files in EDGAR are in either plain text or Hypertext Mark-up Language (HTML) form. Unofficial Portable Document Format (PDF) files may also be submitted to the SEC. All of these file types are in a human-readable form but not in electronically readable form. Further, the information and data contained in financial prospectuses may be in a variety of formats and arrangements which may make the information and data difficult to read, analyze and interpret.
  • PDF Portable Document Format
  • these methods and systems provide prospectus data management by the use of electronically readable media incorporated into (e.g., encapsulated on the cover) a printed prospectus where the media stores important financial information and data.
  • the prospectus information is therefore available in both a human-readable and electronically readable format.
  • the electronically readable media may be in the form of, for instance, bar codes, magnetic strips or embedded chips.
  • the data can be read from the prospectus using a suitable device. Multiple electronically readable media types may be provided for storage of different data, i.e. salaries, assets, etc.
  • the prospectus data that is electronically readable may be in a summary form.
  • the data may also be in a standardized form.
  • the electronically readable information and data may be in an encrypted form where decryption software is subsequently needed to read data.
  • FIG. 1 is a depiction in accordance with one embodiment of the present invention showing the front cover of a printed prospectus with an electronically readable media encapsulated on it;
  • FIG. 2 is a depiction of a table in accordance with one embodiment of the present invention where the data table shown could be of a type found in a securities' prospectus;
  • FIG. 3 is a flow chart of the process in accordance with one embodiment of the present invention in which the prospectus electronically readable media is accessed.
  • a first portion of data is selected.
  • the first portion of data is capable of being converted from a human-readable format to an electronically readable format.
  • the first portion of data is capable of being stored in an optical bar code.
  • a printed publication includes the first portion of data in the human-readable format.
  • the first portion of data is encrypted.
  • the first portion of data is stored on the optical bar code.
  • the optical bar code is incorporated into the printed publication.
  • the first portion of data is read from the optical bar code using a bar code scanner without removing the optical bar code from the printed publication.
  • FIG. 1 An illustrative depiction of a system 10 in accordance with certain embodiments of the present invention is shown in FIG. 1 .
  • the prospectus may be presented to a user in a conventional, human-readable, printed form 11 .
  • the printed matter is in a booklet form.
  • Electronically readable media 12 may be encapsulated on the cover 13 of the printed prospectus.
  • the electronically readable media may be optical bar codes, magnetic strips, embedded computer chips or any other suitable readable electronic data storage media.
  • the information contained in the electronically readable media may be read using a suitable device 14 by a user.
  • device 14 may be a bar code scanner, smart card scanner, or any other suitable device connected to a personal, portable, or hand-held computer, or any other suitable device.
  • the information contained in the electronically readable media 12 may contain voluminous data tables such as those shown in FIG. 2 .
  • Data tables 20 may include information such as the previous performance of securities for the business, borrowing information, information on the security itself, and any other prospectus data as is well known in the art.
  • FIG. 3 One embodiment of a process 30 for using system 10 is shown in FIG. 3 .
  • specific information and data from the prospectus may be reviewed and chosen for inclusion in the electronically readable media.
  • the data chosen may be included in a summarized form—that is, not all prospectus data but only selected portions may be chosen for inclusion in the electronically readable media.
  • the data may be stored in a standardized format to facilitate ease of data reading, and subsequent interpretation and analysis.
  • the use of standardized data forms may allow subsequent mathematical manipulation of financial data in a more efficient manner.
  • the data may be contained in a standardized format so that, when read, it may be in an appropriate input form to a database where mathematical algorithms may subsequently be applied.
  • the process of arrangement of the data in a standardized form is shown at step 32 .
  • the information and data may be converted to an encrypted form in one embodiment using any of a wide variety of mathematical encryption methods as known in the art.
  • the encrypted data may then be stored in the electronically readable media 12 .
  • the information and data may be read from the electronically readable media 12 using a suitable device.
  • a bar code may be read by an optical scanner.
  • the prospectus information and data may be transferred to and stored on a variety of suitable computer systems, including, but not limited to, personal computers. If data had been encrypted, decryption software installed on a personal computer, or other suitable device, may be needed to convert information to a decrypted form as illustrated by step 35 . Encryption of the information and data may be used, for instance, to restrict reading of data to users who had purchased the decryption software.
  • the data may be processed on the computer to aid the user in evaluating the subject of the prospectus, as shown at step 36 .
  • This processing may include generating graphs, spreadsheet tables, or any other suitable data processing technique as known in the art.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • General Physics & Mathematics (AREA)
  • Technology Law (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Each of a first portion and a second portion of data is selected. Each of the first portion and the second portion of data are in the human-readable format and capable of being converted from a human-readable format to an electronically readable format. The first portion of data is encrypted and stored in a first electronically readable medium and the second portion of data is encrypted and stored in a second electronically readable medium, wherein the first electronically readable medium does not match with the second electronically readable medium. Each of the first portion and the second electronically readable medium is incorporated into the printed publication. The first portion of data is read from the first electronically readable medium using a first data reading device without removing the first electronically readable medium from the printed publication. The second portion of data is read from the second electronically readable medium using a second data reading device without removing the second electronically readable medium from the printed publication.

Description

    CROSS REFERENCE TO RELATED APPLICATIONS
  • The present application is a continuation of U.S. patent application Ser. No. 12/485,585, filed on Jun. 16, 2009; which is a continuation of U.S. patent application Ser. No. 12/021,591, filed Jan. 29, 2008 (now U.S. Pat. No. 7,640,203); which is a continuation of U.S. patent application Ser. No. 09/843,093, filed Apr. 26, 2001 (now U.S. Pat. No. 7,349,873) each of which is hereby incorporated by reference herein in its entirety.
    • BACKGROUND OF THE INVENTION
  • This invention relates to automation processes for accessing financial prospectus data. More particularly, this invention relates to methods and systems for enabling users of prospectuses to easily access the financial information contained therein.
  • A prospectus is a written document providing information concerning an offering of financial securities. A prospectus contains narrative information on, for instance, the type and classification of security, the type of business associated with a security, potential risk factors, use of proceeds, and security voting rights. A prospectus may also include both consolidated and detailed financial information on the associated business and the security itself. Information in the form of data in the prospectus may, for instance, include underwriter compensation, dilution data, operations data, summary of accounting policies, inventories, property and equipment, leases and other assets, short-term borrowing and long-term debt, employee benefit plans, management salaries, income taxes and authorization of common and preferred stock. The amount of data contained in a prospectus may be extensive.
  • Prospectuses are available in printed form, typically as a booklet, suitable for distribution to potential purchasers of securities. If the prospectus is associated with a federally-regulated security, it has to be submitted to the Securities Exchange Commission (SEC) where it is entered into their Electronic Data Gathering, Analysis, and Retrieval System (EDGAR). The prospectus information is then accessible by the general public over the SEC-maintained database. The files in EDGAR are in either plain text or Hypertext Mark-up Language (HTML) form. Unofficial Portable Document Format (PDF) files may also be submitted to the SEC. All of these file types are in a human-readable form but not in electronically readable form. Further, the information and data contained in financial prospectuses may be in a variety of formats and arrangements which may make the information and data difficult to read, analyze and interpret.
  • Therefore, the information and data presented in prospectuses may be difficult to manage because of its volume, form, format and arrangement. Thus, it is desirable to provide methods and systems for prospectus data management. Such methods would facilitate the provision of data in a manner that is electronically accessible and more easily usable.
    • SUMMARY OF THE INVENTION
  • These and other objects of the invention are accomplished with the principle of the present invention by providing methods and systems for prospectus data management.
  • In accordance with the invention, these methods and systems provide prospectus data management by the use of electronically readable media incorporated into (e.g., encapsulated on the cover) a printed prospectus where the media stores important financial information and data. The prospectus information is therefore available in both a human-readable and electronically readable format. The electronically readable media may be in the form of, for instance, bar codes, magnetic strips or embedded chips. The data can be read from the prospectus using a suitable device. Multiple electronically readable media types may be provided for storage of different data, i.e. salaries, assets, etc. The prospectus data that is electronically readable may be in a summary form. The data may also be in a standardized form. Additionally, the electronically readable information and data may be in an encrypted form where decryption software is subsequently needed to read data.
    • BRIEF DESCRIPTION OF THE DRAWINGS
  • These and other objects and advantages of the invention will become apparent upon reading the following detailed description and upon reference to the drawings in which:
  • FIG. 1 is a depiction in accordance with one embodiment of the present invention showing the front cover of a printed prospectus with an electronically readable media encapsulated on it;
  • FIG. 2 is a depiction of a table in accordance with one embodiment of the present invention where the data table shown could be of a type found in a securities' prospectus; and
  • FIG. 3 is a flow chart of the process in accordance with one embodiment of the present invention in which the prospectus electronically readable media is accessed.
    •  DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
  • A first portion of data is selected. The first portion of data is capable of being converted from a human-readable format to an electronically readable format. The first portion of data is capable of being stored in an optical bar code. A printed publication includes the first portion of data in the human-readable format. The first portion of data is encrypted. The first portion of data is stored on the optical bar code. The optical bar code is incorporated into the printed publication. The first portion of data is read from the optical bar code using a bar code scanner without removing the optical bar code from the printed publication.
  • An illustrative depiction of a system 10 in accordance with certain embodiments of the present invention is shown in FIG. 1. The prospectus may be presented to a user in a conventional, human-readable, printed form 11. Typically, the printed matter is in a booklet form. Electronically readable media 12 may be encapsulated on the cover 13 of the printed prospectus. The electronically readable media may be optical bar codes, magnetic strips, embedded computer chips or any other suitable readable electronic data storage media. There may be multiple electronically readable media 12 types encapsulated on the prospectus cover containing different categories of data such as salary, assets, underwriter information, etc. The information contained in the electronically readable media may be read using a suitable device 14 by a user. For example, device 14 may be a bar code scanner, smart card scanner, or any other suitable device connected to a personal, portable, or hand-held computer, or any other suitable device.
  • The information contained in the electronically readable media 12 may contain voluminous data tables such as those shown in FIG. 2. Data tables 20 may include information such as the previous performance of securities for the business, borrowing information, information on the security itself, and any other prospectus data as is well known in the art.
  • One embodiment of a process 30 for using system 10 is shown in FIG. 3. As illustrated, at step 31, specific information and data from the prospectus may be reviewed and chosen for inclusion in the electronically readable media. The data chosen may be included in a summarized form—that is, not all prospectus data but only selected portions may be chosen for inclusion in the electronically readable media.
  • The data may be stored in a standardized format to facilitate ease of data reading, and subsequent interpretation and analysis. In particular, the use of standardized data forms may allow subsequent mathematical manipulation of financial data in a more efficient manner. For instance, the data may be contained in a standardized format so that, when read, it may be in an appropriate input form to a database where mathematical algorithms may subsequently be applied. The process of arrangement of the data in a standardized form is shown at step 32.
  • At step 33, the information and data may be converted to an encrypted form in one embodiment using any of a wide variety of mathematical encryption methods as known in the art. The encrypted data may then be stored in the electronically readable media 12.
  • At step 34, the information and data may be read from the electronically readable media 12 using a suitable device. For instance, a bar code may be read by an optical scanner. The prospectus information and data may be transferred to and stored on a variety of suitable computer systems, including, but not limited to, personal computers. If data had been encrypted, decryption software installed on a personal computer, or other suitable device, may be needed to convert information to a decrypted form as illustrated by step 35. Encryption of the information and data may be used, for instance, to restrict reading of data to users who had purchased the decryption software.
  • Finally, the data may be processed on the computer to aid the user in evaluating the subject of the prospectus, as shown at step 36. This processing may include generating graphs, spreadsheet tables, or any other suitable data processing technique as known in the art.
  • Thus, it is apparent that it has been provided, in accordance with the invention, a prospectus data management system that fully satisfies the objects, aims and advantages set forth above. While the invention has been described in conjunction with specific embodiments thereof, it is evident that many alternatives, modifications and variations as fall within the spirit of the appended claims exist.

Claims (14)

1. A method, comprising:
selecting a first portion of data in the human-readable format within a printed financial prospectus, the first portion of data being capable of being stored on a first electronically readable medium;
encrypting the first portion of data;
storing the encrypted first portion of data on the first electronically readable medium;
incorporating the first electronically readable medium into the printed financial prospectus; and
reading the encrypted first portion of data from the first electronically readable medium using a first data reading device without removing said electronically readable medium from the printed financial prospectus.
2. The method of claim 1, further comprising:
after reading the encrypted first portion of data, decrypting the encrypted first portion of data.
3. The method of claim 1, wherein storing the encrypted first portion of data comprises:
storing the encrypted first portion of data in a summary format on at least one of:
an optical bar code;
a magnetic strip; and
an embedded memory chip.
4. The method of claim 1, wherein storing the encrypted first portion of data comprises:
storing the encrypted first portion of data in a standardized format on at least one of:
an optical bar code;
a magnetic strip; and
an embedded memory chip.
5. The method of claim 1, wherein:
the printed financial prospectus comprises two or more of the following plurality of data types: security information, classification information, consolidated financial information, inventory information, dilution data, asset information, debt information, past performance information, management salary information, tax information, underwriter compensation information, and operations data; and
the first portion of data comprises a first one of the plurality of data types.
6. The method of claim 1, wherein incorporating the first electronically readable medium into the printed financial prospectus comprises:
encapsulating the first electronically readable medium on a cover of the printed financial prospectus.
7. The method of claim 1, wherein incorporating the first electronically readable medium into the printed financial prospectus comprises:
affixing the first electronically readable media to the printed financial prospectus.
8. The method of claim 1, further comprising:
selecting a second portion of data, wherein the printed financial prospectus comprises the second portion of data;
storing the second portion of data on a second electronically readable medium, wherein the first electronically readable medium does not match the second electronically readable medium; and
incorporating the second electronically readable medium into the printed financial prospectus.
9. The method of claim 8, wherein:
the first portion of data comprises a first category of information associated with the printed financial prospectus; and
the second portion of data comprises a second category of information associated with the printed financial prospectus, wherein the first category of information is different from the second category of information.
10. The method of claim 8, further comprising:
reading the second portion of data from the second electronically readable medium using a second data reading device without removing the second electronically readable medium from the printed financial prospectus.
11. The method of claim 1, wherein the first electronically readable medium comprises an embedded memory chip.
12. The method of claim 10, wherein the second electronically readable medium comprises a bar code.
13. The method of claim 1, wherein the first data reading device comprises the smart card reader.
14. The method of claim 10, wherein the second data reading device comprises a bar code scanner.
US13/182,821 2001-04-26 2011-07-14 Encrypting and storing data on an electronic readable media incorporated into a financial prospectus Abandoned US20110268272A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US13/182,821 US20110268272A1 (en) 2001-04-26 2011-07-14 Encrypting and storing data on an electronic readable media incorporated into a financial prospectus

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US09/843,093 US7349873B2 (en) 2001-04-26 2001-04-26 Methods and systems for accessing financial prospectus data
US12/021,591 US7640203B2 (en) 2001-04-26 2008-01-29 Accessing data from a financial prospectus
US12/485,585 US8005735B2 (en) 2001-04-26 2009-06-16 Encrypting and storing data from a financial prospectus
US13/182,821 US20110268272A1 (en) 2001-04-26 2011-07-14 Encrypting and storing data on an electronic readable media incorporated into a financial prospectus

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US12/485,585 Continuation US8005735B2 (en) 2001-04-26 2009-06-16 Encrypting and storing data from a financial prospectus

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Publication Number Publication Date
US20110268272A1 true US20110268272A1 (en) 2011-11-03

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US09/843,093 Expired - Fee Related US7349873B2 (en) 2001-04-26 2001-04-26 Methods and systems for accessing financial prospectus data
US12/021,591 Expired - Fee Related US7640203B2 (en) 2001-04-26 2008-01-29 Accessing data from a financial prospectus
US12/485,585 Expired - Fee Related US8005735B2 (en) 2001-04-26 2009-06-16 Encrypting and storing data from a financial prospectus
US13/182,821 Abandoned US20110268272A1 (en) 2001-04-26 2011-07-14 Encrypting and storing data on an electronic readable media incorporated into a financial prospectus

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Application Number Title Priority Date Filing Date
US09/843,093 Expired - Fee Related US7349873B2 (en) 2001-04-26 2001-04-26 Methods and systems for accessing financial prospectus data
US12/021,591 Expired - Fee Related US7640203B2 (en) 2001-04-26 2008-01-29 Accessing data from a financial prospectus
US12/485,585 Expired - Fee Related US8005735B2 (en) 2001-04-26 2009-06-16 Encrypting and storing data from a financial prospectus

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US (4) US7349873B2 (en)
EP (1) EP1253550A1 (en)
AU (1) AU2002254590A1 (en)
GB (1) GB2392528A (en)
HK (1) HK1051079A1 (en)
WO (1) WO2002088872A2 (en)

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US7904375B1 (en) * 2006-10-27 2011-03-08 Barclays Bank Plc Method of registering multiple financial products with a single prospectus
US9774572B2 (en) * 2015-05-11 2017-09-26 Salesforce.Com, Inc. Obfuscation of references to network resources

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US20090250518A1 (en) 2009-10-08
GB0326270D0 (en) 2003-12-17
US7640203B2 (en) 2009-12-29
WO2002088872A2 (en) 2002-11-07
US8005735B2 (en) 2011-08-23
WO2002088872A3 (en) 2003-05-30
EP1253550A1 (en) 2002-10-30
HK1051079A1 (en) 2003-07-18
US20080116286A1 (en) 2008-05-22
US20020161683A1 (en) 2002-10-31
US7349873B2 (en) 2008-03-25
GB2392528A (en) 2004-03-03
AU2002254590A1 (en) 2002-11-11

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