ragz, you are kidding right?
why don't you read the invention document as a whole
stop this nonsense
maybe this little phrase might show how it is not compared to the nominee trading accounts that were trading through brokerage firms:
"...Advantageously, the system of the present invention does not require a concomitant full-service brokerage account, and does not require real-time access to employee demographic information. In this way, the system can accommodate an unlimited number of participants and sponsoring employers..."