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US20140229348 ELECTRONIC INVOICE MANAGEMENT AND PRINTING  
Provided is a method of managing electronic invoices. An electronic invoice of a customer is stored in an online database. A mobile phone number of the customer is associated with the electronic...
US20110270750 System and method for securing payment instruments  
A system and method for securing financial information in payment instruments including generating a pseudorandom number sequence, generating an activation code, including a unique pseudorandom...
US20100332398 PERSONAL IDENTIFICATION NUMBER DISTRIBUTION DEVICE AND METHOD  
The method of distributing a personal identification number to a user of a financial instrument associated with the personal code includes: a step of sending to a user, via a first channel, a...
US20120072277 SYSTEM AND METHOD FOR PRESENTING A COMPETITIVE COMPARISON OF A RECOMMENDED OR CUSTOM CARD  
A system, computer product and method for presenting a competitive comparison of a recommended financial transaction instrument. A set of questions is presented to a consumer in order to determine...
US20120078767 STAKEHOLDER COLLABORATION  
A technique for improving collaboration between relevant parties in a commercial transaction involves sending a timely alert to stakeholders with regard to a presumably fraudulent transaction. A...
US20130166441 Instant Disposable Payment Card  
An instant disposable payment card can have a quick response (QR) code. The QR code can be scanned by the user. Scanning the QR code can facilitate activation and/or funding of the instant...
US20070265947 Generating event messages corresponding to event indicators  
A transaction entity handles event messages associated with events of interest. At least one type of event is identified that is of interest to a user. Each type of event further corresponds to an...
US20130013475 Issue Resolution  
Systems and methods of resolving identified issues are provided. In at least some examples, the systems and methods may include receiving an identified issue, such as at an issue resolution...
US20070265945 Communicating event messages corresponding to event indicators  
An event message is created that is associated with an event of interest to a user. A transaction entity obtains a token that corresponds to an account of an aggregating entity. Additionally, at...
US20120203601 LIGHTING SYSTEMS AND METHODS FOR DISPLACING ENERGY CONSUMPTION USING NATURAL LIGHTING FIXTURES  
A lighting system for displacing energy is provided. The lighting system includes a light sensor to measure an amount of light provided from the natural lighting fixture to a building environment....
US20150127506 Dynamically Building Application Environments in a Computational Grid  
Computing environments within a grid computing system are dynamically built in response to specific job resource requirements from a grid resource allocator, including activating needed hardware,...
US20120296788 SYSTEM AND METHOD FOR MANAGING INFORMATION RELATED TO SECURITIES AND SECURITIES ISSUERS  
A system and method that enables a financial institution managing a money market fund to meet the requirements of SEC Rule 2a-7. The system and method may enable an issuer of an instrument or...
US20110106680 TURBINE OPERATION DEGRADATION DETERMINATION SYSTEM AND METHOD  
A system for creating a financial risk model for at least one turbine includes a database storing operational characteristics of one or more turbines and a processing module coupled to the...
US20150100470 SYSTEMS AND METHODS FOR PARSING UNKNOWN CODES OBTAINED FROM A CUSTOMIZABLE SPREADSHEET APPLICATION INTERFACE  
An improvement in a customizable spreadsheet application is provided. The improvement preferably provides an interface between the customizable spreadsheet application and a third party financial...
US20140143107 MOBILE PAYMENT SERVICE FOR HELPING CONSUMER TO CHOOSE PAYMENT CARD  
The disclosure is related to a service for helping a consumer to select a payment card returning the relatively best benefits among multiple payment cards of the consumer without requiring user...
US20130046669 Gas cost calculator  
A gas cost calculator comprising a display screen, a keypad, a central programming unit, and cable capable of receiving digital input from the gas gauge of a vehicle, said central programming unit...
US20070265946 Aggregating event indicators  
An account is associated with a token that is adapted to be distributed to at least one transaction entity. An event message is received from the transaction entity that comprises the token and...
US20120246045 SYSTEM AND METHOD FOR USING AN ANALOGY IN THE MANAGEMENT OF PERSONAL FINANCES  
A system for presenting a user's financial status captures a user's financial, demographic and goal information and calculates the user's financial status based upon their goals. The system then...
US20110066533 SYSTEM FOR DYNAMICALLY ALLOCATING NATURAL RESOURCES  
Systems and methods for creating a dynamic resource trust can receive and distribute physical quantities of a resource at a future date. These systems and methods can be implemented in a computer...
US20140122310 SYSTEMS AND METHODS REGARDING A PURCHASE DECISION TOOL FOR DETERMINING A FINANCIAL IMPACT OF A PROPOSED PURCHASE  
The present describes systems and methods to support financial management by determining the impact of a proposed purchase on a financial situation. For example, a device is configured to...
US20120059751 SYSTEMS AND METHODS FOR MANAGING AND ALLOCATING FUNDS  
The application discloses a systems and methods for automatically managing and allocating funds deposited in one or more financial accounts owned by the user. The system allows the user to specify...
US20150006346 ACCOUNT ENGINE WITH MODULAR SERVICES AND ACCESS CHANNELS  
A service request having an external format is received by a server. The service request is translated from the external channel format into a common internal system format using a discrete...
US20120022997 METHOD AND SYSTEM FOR FACILITATING SECURITIES PLACEMENTS  
Methods and corresponding systems and non-transitory computer readable media for facilitating securities placements are provided that allow users of the system to identify a plurality of investors...
US20140297493 SYSTEMS AND METHODS FOR MANAGING A FINANCIAL INVESTMENT FUND  
Providing a financial investment fund includes receiving a plurality of individual funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds...
US20120284157 Continuing disclosure notification system  
A method and system for managing information related to fixed income securities and characteristics of investor-sought securities by users of a management and information system employing a...
US20140143140 Financial Account Management  
An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies...
US20140074679 TARGETED OBJECTIVE COMPLEMENTARY CURRENCY  
A financial instrument includes a token representation of a complementary currency associated with the primary currency, whose value amount is substantiated and secured by an asset base having...
US20120317020 SYSTEM AND METHOD FOR MEASURING AND UTILIZING POOLING ANALYTICS  
A system and method for quantifying the working capital benefit of pooling a number of separate cash accounts. The average (mean) cash balance of the pooled account is determined to be the sum of...
US20120185377 METHOD AND SYSTEM FOR GENERATING AND SHARING CUSTOMIZED PORTABLE CONSUMER DEVICES  
A method for receiving and presenting user-generated designs and sets of terms for portable consumer devices. The method provides for allowing a first person to create a customized design for a...
US20140122311 SYSTEM AND METHOD FOR DETERMINING A RISK ROOT CAUSE  
A system and method for determining a risk root cause are provided. A first and second fraud related risk scores respectively associated with a first and second nodes may be determined. A relation...
US20070267484 METHODS FOR PROVIDING STAND-IN SERVICES FOR TRANSACTION CARD CUSTOMIZATION  
The present invention is directed to methods for providing stand-in services for transaction card customization, wherein a transaction card franchiser provides the stand-in services for the...
US20110258095 Method and system for creating and issuing a deferred coupon preferred security  
A corporate debt security includes an optional payment deferral feature allowing deferral of coupon interest on the debt security without triggering default, and a mandatory payment deferral...
US20120072345 Method and system for impulse savings  
Impulse saves are made by a user of a first computing device. A first electronic message is received from the first computing device. The first electronic message comprises an amount of money not...
US20120191585 Method and Apparatus for Inbound Message Management  
A computer-implemented method for identifying accounts with which an individual does business. The computer receives an access credential for at least one message source and analyzes a plurality...
US20120310807 SYSTEMS AND METHODS FOR GRAPHICALLY ENABLED RETIREMENT PLANNING  
According to some embodiments, a system may categorize a first set of user goals as basic expenses and a second set of user goals as optional expenses. Icons associated with the basic expenses may...
US20110238563 Foreign Currency Index  
Systems and methods are provided for trading and calculating the composition of foreign currencies indexed financial instruments. The compositions of the financial instruments are determined by...
US20110040664 Home Asset Value Enhancement Notes (HAVENs)  
Financial instruments to protect the value of residential homes are described. A method for generation of publicly traded notes backed by ownership of single family homes to allow financial...
US20110125624 METHOD AND SYSTEM FOR CROSS-ISSUER REGISTRATION OF TRANSACTION CARDS  
Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the...
US20120005054 FEES AND FOREIGN CURRENCY EXCHANGE CALCULATION  
Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction. In one embodiment, a method includes receiving a fee calculation request...
US20110276451 Motivational goal based interactive system and method  
A motivational goal based online interactive system and method for personal development comprising a single web page for easy access to a calendar, goal tracker, motivational quote, video,...
US20120066106 Systems and Methods for Monitoring and Optimizing Credit Scores  
The present disclosure provides systems and methods that monitor, on a recurring basis, a consumer's behavior as reflected on both the consumer's credit report and other sources, identifies...
US20120066132 SCORED NEGATIVE FILE SYSTEM AND METHOD  
System and method for validating a payment. The method can include obtaining a first account identifier, accessing a database containing a plurality of risk scores, each one of the plurality of...
US20060282357 Selecting a building system component  
A method of the present invention for selecting a building system component includes compiling information about a building system component; compiling information about a customer; generating...
US20120016787 Methods, Systems, and Computer Program Products for Providing Low Risk Portable Alpha Investment Instruments  
Provided are methods of providing a portable alpha investment instrument. Some embodiments of such methods include allocating a first portion of a financial asset to a first asset class,...
US20100312682 Consumption Investment System  
A consumption investment system permits consumers to deposit value corresponding to their consumables in an investment consumable account as principal, and accrue benefits based on the principal....
US20120095894 ONLINE REGISTRATION SYSTEM FOR CROA-COMPLIANT CREDIT ADVICE SERVICES  
Systems and methods for registering consumers for credit repair counseling may include use of electronic signatures and/or authorizations, electronic delivery of documents (e.g., consent and...
US20070022028 System design tool according to reusable asset specifications  
An asset catalog is disclosed which includes a plurality of software assets and at least one hardware asset configured to be selectively functionally interconnected with at least one of the...
US20120330813 Global Investment Grade for Natural and Synthetic Gems used in Financial Investments and Commercial Trading and Method of Creating Standardized Baskets of Gems to be used in Financial and Commercial Products  
A process to create a fungible global standard for diamonds and gemstones. The process involves grouping diamonds in an investment standard according to their gemological, proportional, optical...
US20130211984 System and Method for Providing Recovery for Victims of Check Fraud  
A method for a consumer to protect against loss associated with specified forms of check fraud. Upon purchasing checks, a consumer can subscribe to a check fraud protection program, for an...
US20120041869 AUTOMATED TRADING  
Systems and methods for automated trading are disclosed. In one embodiment, a computer system may execute program instructions to generate dealable prices at which a first trading entity is...