Patent ID: 8275690

Claim:
A computer-implemented method for managing an investment account for a customer associated with a sponsoring organization comprising: providing a graphical user interface over a computer network for customer interaction; interacting with the customer over the computer network to create a portfolio of investments that satisfy a plurality of restrictions on investment activity of the customer while meeting pre-defined investment needs of the customer; establishing with a computer an aggregate portfolio of investments from the customer and from a plurality of other customers of the sponsoring organization, wherein said establishing an aggregate portfolio includes combining orders for investments from the customer and from the plurality of other customers into a single order for each investment, including combining at least one order including a fractional share, a single share or an odd lot of shares for an investment; and transmitting a portfolio of desired investments over the computer network for execution; wherein the investments from the customer are owned directly by the customer in the customer's portfolio as a result of said execution.