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7542935 Method and system for integrating savings and credits with different interest rates  
A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can...
7542934 System and method for analyzing a waveform to detect specified patterns  
Disclosed are techniques for analyzing waveforms to determine the existence of certain patterns in those waveforms. The existence of certain patterns can be used by investors to make decisions...
7542933 Certificate of deposit portfolio system and method  
A certificate of deposit (“CD”) portfolio system and method to attract institutional investors through dealers to CD issuing small to medium sized community deposit taking institutions. The...
7542932 Systems and methods for multi-objective portfolio optimization  
The systems and methods of the invention are directed to portfolio optimization and related techniques. For example, the invention provides a method for multi-objective portfolio optimization for...
7542931 System and method for global automated address verification  
The present invention provides systems and methods for global address verification of a transaction, such as a transaction card purchase. In accordance with an exemplary embodiment of the present...
7542930 Rules based scenario management  
A scenario manager allows users to define document-based choreography and simulate the behavior of a trading partner in a computer system. Rules are utilized to orchestrate the transaction sequence...
7540408 Apparatus and method for facilitating money or value transfer  
An apparatus and method for transferring money or value, using a wide range of interfaces to initiate a transfer and a wide range of options for receiving the transfer, including receiving the...
7539643 Over the counter traded product and system for offset and contingent trading of commodity contracts  
A method for facilitating the offset or contingent trading of commodity contracts comprising: providing a futures exchange wherein a futures or option contract based on a first commodity of a...
7539639 Exchange of information  
A method, apparatus, and signal-bearing medium for allowing participants to exchange information regarding a program. The program may be a joint-development program in which the participants are...
7539638 Representation of order in multiple markets  
A trading process represents an order that it is handling at multiple market processes simultaneously. Each of the market processes and the trading process follow a two-phase commit protocol,...
7539637 Security analyst estimates performance viewing system and method  
A system and method for measuring, analyzing, and tracking the past performance of security analysts' earnings estimates and recommendations. The present invention provides a database of historical...
7539636 System and method for estimating transaction costs related to trading a security  
A method for creating a peer group database includes a step of collecting security transaction data for a preselected period of time, for a plurality of investment institutions. The transaction...
7536353 Secure transaction processing system and method  
A processing system and method for processing purchase orders between a purchaser and a merchant across a public network. The processing system including a purchaser account database for storing...
7536350 Systems and methods for providing enhanced account management services for multiple banks  
This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless...
7536344 System and method for coordinating automated and semi-automated trading tools  
The present embodiments include methods, systems, and computer program products that provide tools for use in any type of electronic trading environment. In one aspect, leaning manager includes...
7536340 Compliance monitoring method and apparatus  
A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The...
7536335 System and method for implementing foreign exchange currency forwards  
A computer system and method support foreign exchange (FX) forward trading for both order posting and execution. The system includes a central server for tracking currency trades; a plurality of...
7536334 Apparatuses and processes for calculating options  
The present invention introduces an apparatus and process which may be implemented on a vast variety of computer systems. The apparatus and process of the present invention use a computer system to...
7536332 Real life implementation of modern portfolio theory (MPT) for financial planning and portfolio management  
An investment portfolio management method for rebalancing an investor's securities portfolio based on the specified investment parameters is provided. The method utilizes a conventional...
7536331 Method for determining the risk associated with licensing or enforcing intellectual property  
The invention is a method of determining the risk associated with licensing and/or enforcing intellectual property by interacting with a pre-programmed computer, entering information from an...
7536330 Fixed rate financing instrument offering a dividend or partially guaranteed by third party to issuance, method for establishing a market for the same, method for directly public-offering the same on-line  
A fixed rate financing instrument issued by a corporation, government, or other organization which pays a fixed interest rate and/or dividend as secured by an issuing entity's promise to pay and...
7536329 Method and apparatus for an incomplete information model of credit risk  
A method and apparatus for developing a structural model of credit risk that incorporates the short-term uncertainty inherent in default events is disclosed. The model is based on the assumption of...
7536327 Method and device for evaluation of financial derivatives using sparse grids  
A method and device for valuation of financial derivatives, wherein a value of a derivative is computed by a determination of an expectation. Input parameters are communicated by an input unit to a...
7536312 Method of appraising and insuring intellectual property  
Methods are disclosed for using computers, computer programs, algorithms and computer networks and communications hardware and protocols to appraise the value of assets as well as protecting asset...
7533805 Data bearing record based capture and correlation of user image data at a card reading banking system machine  
Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to...
7533199 Automatic transaction apparatus, automatic transaction control method, and control program thereof  
An automatic transaction apparatus operates an automatic transaction unit using middleware whose environment is set by a kernel, which uses conventional middleware even if the interface with the...
7533060 System and method for optimal selection of payment authorizations in complex commerce systems  
A system and method for optimal selection of payment authorization in a complex commerce system is presented. A commerce system uses an algorithm to select an optimum payment authorization for a...
7533057 Servicer compensation system and method  
A method that comprises acquiring a home mortgage loan having a loan asset and a servicing asset and compensating a servicer that performs servicing of the loan during a term of the loan. The...
7533054 Central credit filtering in computerized trading  
Systems, methods, and computer program products for establishing and using credit limits between counterparties and for managing risk in the trading of financial interests. Credit filtered views of...
7533053 Method and apparatus for accommodating quality review in an automated account statement generation process  
A computer-implemented quality review process is introduced in which account statements may be individually selected from a batch printing run. Selected statements may then be viewed, edited,...
7533052 Trading system  
In an automated exchange system functions for automatic hedging and automatic price improvements are provided.
7533050 Integration of computer applications and e-business capability  
The present invention comprises a business offering to provide computer services and a system to provide a selection of those services. The offering comprises any combination of hosting computer...
7533048 Fair value model based system, method, and computer program product for valuing foreign-based securities in a mutual fund  
A method for determining fair value prices of financial securities of international markets includes the steps of selecting a universe of securities of a particular international market; computing...
7533047 Method and system for securing card payment transactions using a mobile communication device  
A method and system for securing card payment transactions using a mobile communication device provides improved security in card payment transactions such as credit and debit card transactions....
7533046 Multi-note method and system for loans based upon lease revenue stream  
A method, system and program product for creating a loan from a revenue stream from a lessee, the method comprising the steps of: determining a revenue stream from a lease of a leased tangible...
7533045 Method and system for life settlement and life insurance contracts securitization involving asset and liability stripping  
One embodiment of the present invention provides a means of securitization of life settlement contracts using a method of stripping the death benefit asset from the premium liabilities by producing...
7533044 System for sale of consumer goods  
A system for sale of consumer goods, the system including means for issuing to a customer from a printer a non-validated token representing an article of merchandise following election by the...
7530490 Systems and methods to perform credit valuation adjustment analyses  
Pursuant to some embodiments, a method includes: identifying information associated with an existing credit position involving a first party and counterparties; identifying information associated...
7529709 Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student  
A system and method of facilitating a transfer of a refund amount from an educational institution to a student. A refund controller receives from an educational institution a request for...
7529708 System and method for determining latent demand for at least one of a plurality of commodities  
A system for determining latent demand for at least one of a plurality of commodities includes an offer analyzer and a commodity selector. The offer analyzer analyzes at least a plurality of...
7529705 Electronic trading system for simulating the trading of carbon dioxide equivalent emission reductions and methods of use  
An electronic trading system for simulating the trading of carbon dioxide equivalent (CO 2 e) emission reductions and methods of use are provided. An electronic trading application may allow a user...
7529702 Bond issue risk management  
The present invention provides an auction system that allows bond issue sales to be offered in an open and transparent manner, wherein, a certain percentage (up to 100%) of bonds in a bond issue...
7529701 System and method for implementing employee stock plans  
Tools for implementing employee stock plans including stock options, restricted stock awards and/or and stock purchase plans are provided. A system is provided that comprises volatile data storage...
7529698 Apparatus and method for providing transaction history information, account history information, and/or charge-back information  
A computer-implemented method, including receiving information regarding a transaction involving an account, wherein the information regarding the transaction is received by a receiver prior to a...
7526487 Business transaction processing systems and methods  
A system, method and carrier medium for configuring processing relationships among entities of a Financial Service Organization (FSO). A system, method and carrier medium for configuring Financial...
7526446 System and methods for valuing and managing the risk of credit instrument portfolios  
The present invention relates generally to a system of components, comprising an integrated architecture, which supports calibration of financial models, and the structuring, pricing,...
7526444 Integrated trading information processing and transmission system for exempt securities  
A system is provided for processing and transmitting trading information for exempt securities or assets not otherwise listed, traded, valuated or bought/sold in any conventional exchange or system...
7526442 Cross correlation tool for automated portfolio descriptive statistics  
The cross correlation tool is used to quickly understand and describe the composition of an asset portfolio and the response of a user selected variable versus other variables in the portfolio. The...
7523466 Method and apparatus for customizing a marketing campaign system using client and server plug-in components  
Method and apparatus are disclosed which permit customization of a marketing campaign system. Client-side plug-in components and server-side plug-in components are provided. The server-side plug-in...
7523068 Centralized payment processing system  
A centralized payment processing system is disclosed, which gives the user the ability to create payment outputs in a centralized environment. The centralized payment processing system includes...