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7523066 |
Apparatus and method for facilitating communication for borrowers and investors regarding commercial mortgages
A system, method, apparatus, means, and computer program code that facilitate communication between trustees, investors, borrowers, and other vendors associated with a commercial mortgage loan.
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7523065 |
Risk transfer supply chain system
An automated method and system ( 100 ) for supplying risk transfer products to a client company on a continual basis. After the client company provides data to the risk transfer supply chain, swaps...
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7523062 |
Securities processor and a method of processing attributable interest messages
A securities processor includes a prematching process for validating an attributable security interest message placed by a market participant on a securities trading system This attributable...
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7523060 |
System and method for negotiating according to improved matching criteria
A computer-implemented system ( 10 ) for conducting automatic negotiations stores profiles for parties ( 12, 14 ) to the negotiation, each profile specifying values for one or more parameters being...
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7523057 |
Transferring funds to designated accounts through the use of a money management card
A money management card adapted to provide a method of saving and investing for a user of the money management card. An entity, such as, for example, a card issuer, receives a user designation of...
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7523056 |
Evaluation of securities
A method for evaluating securities comprises the steps of estimating a P/E ratio for a security that will yield a predetermined rate of return on an investment in said security, inputting an actual...
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7523055 |
Financial information access system
A system is disclosed in which a user of an information service may access financial data relating to recent credit and debit card transactions. Any entity with a TCP/IP connection to the Internet...
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7523054 |
Method for mitigating risk associated with the settling of foreign exchange (FX) payment-based transactions
A computer-implemented method of reducing risk in foreign exchange payment-based transactions between financial market participants, wherein the risk filter routine: automatically generates an...
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7519554 |
Processing binary options in future exchange clearing
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
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7519553 |
Method and system for debt collection optimization
The present invention employs data processing systems to handle debt collection by formulation the collections process as a Markov Decision Process with constrained resources, thus making it...
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7519552 |
Method of enhancing value of pension system assets
A program product, a system, and method for a trustee and a pension system, one embodiment of a program product consistent with the invention comprises program code for generating or receiving a...
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7519551 |
Systems and methods for administering return sweep accounts
Novel systems and methods for managing a plurality of client demand accounts so as to allow a banking institution to retain client deposits on the bank's balance sheets while, at the same time,...
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7516883 |
Financial transaction system with consumer reward and net settlement
A financial transaction system in which a participant may make a purchase of goods or services from a merchant using an access device such as a payment card. Upon approval, the transaction is...
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7516175 |
Method of organizing and analyzing field warranty data
A system and method for organizing and analyzing field warranty data including a warranty interface provided with warranty data from a warranty group. The warranty interface being capable of...
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7516100 |
Method and system for transferring money in business-to-business internet transactions
A method for enabling two businesses to complete a transaction that includes payment from one business (the buyer) to another business (the seller). A payment enabler operates the money transfer...
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7516095 |
Stochastic control system and method for multi-period consumption
The present invention relates to dynamic optimization of system control over time. The need for dynamic optimization arises in many settings, as diverse as solar car power consumption during a...
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7516085 |
Market determination system
A market analysis system uses travel time to define a relevant market area. A map is generated using stored geographical map information around a selected geographical point or area, and a travel...
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7512563 |
System and method to automate payment for a commerce transaction
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
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7512556 |
System and method for evaluation of simulated hedging relationship assignments
A system and method for evaluation of simulated hedging relationship assignments. A processor may, in response to an inputted selection of a simulated hedging relationship assignment, calculate at...
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7512555 |
Investment management tool
An investment portfolio development and management system using dynamically linked and re-configurable portfolio building blocks for the construction and management of hierarchical portfolios....
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7512554 |
Tax adjustment for financial processing in a relational database management system
A financial processing system that accesses account, event and organization attributes from a relational database management database, wherein: (1) the account attributes comprise data about...
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7509286 |
Systems and methods for money fund banking with flexible interest allocation
This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned...
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7509285 |
Method of establishing a credit limit
A system and method is provided for offering and providing credit card products. The disclosed systems and method provide a credit card product whose credit limit is determined at the time of...
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7509281 |
System and method for statement presentation
The present invention is a system and method for producing statements that have charges for one or more service categories. The present invention enables a service provider to define which services...
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7509280 |
Enterprise healthcare management system and method of using same
The enterprise healthcare management system and method includes a novel healthcare management system. The healthcare management system includes a server system connected to a plurality of...
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7509275 |
System and method for asymmetric offsets in a risk management system
A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two...
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7509274 |
Internet-based system for identification, measurement and ranking of investment portfolio management, and operation of a fund supermarket, including “best investor” managed funds
Internet-based business system and management programs therefor, and more particularly to financial investment management characterized by a unique system of attracting and identifying the Best...
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7509265 |
Method and apparatus for performing insurance insolvency operations
Described are techniques used in connection with providing insolvency services in connection with guaranty finds, such as property and casualty guaranty funds, upon the occurrence of an insurance...
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7509262 |
Weight based upselling
Weight based upselling, including receiving a purchase request for an item from a customer; determining a weight of the item; identifying, in dependence upon the weight of the item, a shipping...
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7509261 |
Method for forecasting house prices using a dynamic error correction model
A system and method for forecasting a price of a property in a first housing sub-market based on data related to a second housing sub-market are described. A price index is derived for the second...
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7505939 |
Method and apparatus for a verifiable on line rejection of an applicant for credit
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau...
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7505938 |
Interactive voice response quick credit system and associated methods
A system and method for applying for a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by a credit...
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7505937 |
Method and apparatus for implementing financial transactions
A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second...
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7505934 |
Computer support for valuing and trading securities that produce mostly tax-exempt income
Computer machine, manufacture, methods of making and using the same, and product produced thereby, each pertaining to valuing, trading, and/or documenting securities that produce mostly tax-exempt...
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7505933 |
System for accelerating Sarbanes-Oxley (SOX) compliance process for management of a company
A system for accelerating Sarbanes-Oxley (SOX) compliance for management of a company is includes defining scope components needed for Sarbanes-Oxley compliance by the company, establishing...
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7505932 |
Click based trading with market depth display
A method and system for reducing the time it takes for a trader to place a trade when electronically trading commodities on an exchange, thus increasing the likelihood that the trader will have...
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7505931 |
Method and system for monitoring transactions
A method for monitoring financial accounts to determine the possibility of money laundering and other attempts at fraud includes monitoring the financial accounts owned by a person or entity. Data...
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7505925 |
System, medium, and method for providing financial account information over a network
A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention...
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7502758 |
Creation and distribution of excess funds, deposits, and payments
Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries...
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7502756 |
Matched filter approach to portfolio optimization
Given a fixed amount of capital, how to invest it optimally by distributing it among a set of stocks and securities so as to maximize the return while minimizing the overall risk is addressed here....
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7502755 |
Method of structuring and using a performance-based participation certificate
A method and computer program product for structuring a credit guarantee contract, comprising identifying a pool of assets, identifying parameters for the assets, identifying a manner of securing a...
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7502754 |
Secure web server system for unattended remote file and message transfer
A system provides for the secure exchanging files with a remote transfer server over an open network such as the Internet. The system comprises a database with file transfer tables, a hypertext...
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7502752 |
System and method for delivering financial services
A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones....
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7502344 |
Communications terminal, server, playback control method and program
The communications terminal comprises: a playback device which playbacks content; a reading device which reads in access information recorded on a prescribed recording medium, the access...
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7499886 |
Conducting commerce between individuals with integrated shipping
Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a...
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7499885 |
Direct online mortgage auction network
The present invention provides a computerized (Internet, online) network for home mortgage borrowers to compete against each other and other mortgage companies (brokers) in an auction format for...
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7499884 |
Interest calculation tool
Embodiments of the present invention relate to a computer-implemented method and system for performing interest calculations on account balances. The calculations may be based on time intervals of...
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7499882 |
Method for automatically processing a financial loan application and the system thereof
A method for automatically processing a loan application where a real property is used as collateral is disclosed. The method comprises steps of (a) inputting the loan application into a computer...
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7499881 |
Compensatory ratio hedging
Compensatory ratio hedging is a methodology whereby an amount of a bond that is hedged by a swap varies during the life of the swap, per a predetermined schedule, such that the change in the swap's...
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7496537 |
User-generated traveler's checks
A system and method for issuing traveler's checks at a user's home or business using the purchaser's own computer system to allow the user to obtain traveler's checks at any time, in any...
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