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7451111 Queuing exemption method, queuing place-taking method and auction system  
In order to exchange waiting time, troublesomeness, and labor incurred in the receiving of goods and services with a monetary value, and acquire a priority with respect to the provision of goods...
7451109 Method and system for administering a discounted security  
An exchangeable security, tradable on a securities exchange is issued at a share price that is a discount from the share price of an underlying security or basket of underlying securities. At or...
7451106 System and method for competitive pricing and procurement of customized goods and services  
An apparatus and method or selecting a lowest bidding vendor from a plurality of vendors of a customized good or service, including receiving a set of vendor's attributes from each of the plurality...
7451104 Method for funding an organization  
A method for funding an organizing with cash flows derived from the death benefits of life insurance policies initiated within a bankrupt remote, special purpose entity having the same insurable...
7451103 System and method for centralized automated reconciliation of custody accounts  
A method and system for centralized automated reconciliation of investment manager and related custody accounts makes use of computer hardware and software in a service bureau environment to...
7447660 System and method for capacity testing of electronic funds transfer systems  
The system of the invention provides for testing of Electronic Funds Transfer host systems. A first personal computer is used to generate test scripts. The test scripts are downloaded to a number...
7447659 Electronic lending and borrowing system  
A common forum for borrowing and lending includes a plurality of remote devices associated with respective potential counterparts, a communications network for permitting communication between the...
7447657 Method and systems for handling method level processing in connection with account pricing  
A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior...
7447654 Computer trading of financial interests  
Methods, systems, and apparatus for improved trading of financial interests via a computer network are disclosed. Improvements include crossing or commingling of auction and non-auction transaction...
7447652 Methods and systems for portfolio cash flow valuation  
In an exemplary embodiment, invention is a method for analyzing portfolios of distressed financial assets for the purpose of bidding to acquire those assets. The method utilizes a network-based...
7447651 Digital computer system for operating a customizable investment fund  
A computer-aided method for operating a customizable investment fund, the method includes receiving, at a central computer, first digital signals from a first computer specifying a custom set of...
7447650 Method for accelerating Sarbanes-Oxley (SOX) compliance process for management of a company  
A method for accelerating Sarbanes-Oxley (SOX) compliance for management of a company is disclosed. The methodology employs a method that includes defining scope components needed for...
7444304 Credit card transaction tracking systems and methods  
A method of monitoring financial transactions includes periodically receiving a list of target account identifiers at a processing server and periodically transmitting the list to each of a...
7444301 Method and system for enhanced distribution of financial instruments  
An issuer models financial instruments (e.g., proposed securities) with initial financial parameters to facilitate defining a financial instrument with final financial parameters for actual...
7444300 Method and system for improved fund investment and trading processes  
Systems and methods are disclosed for managing and trading an investment fund having a portfolio including any combination of financial instruments and cash and having a general class of fund...
7440924 Method and system for processing financial instrument deposits physically remote from a financial institution  
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
7440923 Method and apparatus for preauthorizing electronic fund transfers without actual written authentication  
A method and apparatus for preauthorizing electronic fund transfers from a consumer's bank account without obtaining actual written authentication from the consumer is implemented in connection...
7440921 System and method for evaluating real estate transactions  
Evaluating a real estate transaction based on preliminary data about the transaction. An evaluation system employs a transaction evaluator software module that can receive input about a customer...
7440918 Interactive demand management  
A system and method is disclosed which allows the aggregation of the demands of various buyers, providing an incentive for suppliers to bid to supply those demands in an auction. The system and...
7440917 Order risk management system  
Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum...
7440915 Method, system, and computer-readable medium for reducing payee fraud  
An exemplary method for reducing fraudulent transactions includes receiving fraud data from a first data source, wherein the fraud data is related to a fraudulent transaction of an entity. A first...
7440914 Method and apparatus for fully insuring large bank deposits  
An Interchange service that allows member banks participating in the service to offer their customers multiple certificates of deposit (“Multi-CDs”) so that large deposits exceeding an...
7440913 Commodity order system and commodity order method in commodity order system  
On the occasion of performing the commodity trading on the Internet, the commodity order system is capable of appropriately checking the credit of a buyer, a seller and, further a distributor, so...
7438222 Card reading arrangement including robotic card handling responsive to card sensing  
A card reader arrangement includes a robotic card handling device to enable reading of a user card during a card-based transaction. A card sensing device is located adjacent a card slot remotely...
7437665 SEF parser and EDI parser generator  
A SEF grammar is created to be used with the Java CC program to autogenerate a SEF parser. The SEF parser can be run with specially written X12 code on any SEF file to automatically create an EDI...
7437421 Collaborative email with delegable authorities  
Writing a collaborative email document with hierarchical authorities including establishing a collaborative email document on an administrator's computer, identifying one or more signatories for...
7437331 Short message service (SMS) e-commerce  
A method for making a purchase of products or services via the Internet by a customer from a vendor includes transmitting, by the customer, a purchase request and mobile subscriber identification...
7437329 Point-of-sale activation of media device account  
The present invention discloses systems and methods for activating and redeeming prepaid media download cards and devices. Methods for activating prepaid media download cards may comprise storing...
7437326 Securities trading simulation  
A securities trading simulation method and system that is capable of performing a series of simulated securities trades of a security using actual or potential market data to obtain distribution of...
7433884 Identification of licensing targets using citation neighbor search process  
A portable database can be used by a client organization with substantial numbers of patents to identify target organizations that may be interested in licensing said patents. The database combines...
7433838 Realizing legally binding business contracts through service management models  
Methods and apparatus for managing business interactions between opposing parties. Business interactions are mapped to service contracts. The service contracts are mapped to machine readable code....
7433837 Apparatus and methods for handling trading data  
A manually-assisted computer and communications apparatus is provided for periodically fixing a price of a currency or commodity. Successive rate samples of said currency/stock/commodity are...
7430544 Output image generating operation service using network  
A paid operation queue Q 1 and a trial operation queue Q 2 are provided within an output operation execution system. Each request for execution of an operation job from a client device is entered...
7430536 System and method for assisting a bank in meeting requirements under the community reinvestment act  
Systems and methods for assisting a bank in meeting all or a portion of the bank's requirements under the Community Reinvestment Act (CRA) on a tax-advantaged basis. New or existing cash value life...
7430534 System, method and computer program product for risk-minimization and mutual insurance relations in meteorology dependent activities  
A system, method and computer program product for minimizing risks associated with meteorology dependent activity. Such activity may include operation of renewable power sources and the delivery of...
7430533 Automated batch auctions in conjunction with continuous financial markets  
A method and system for performing a batch auction whereby a series of orders, according to a variety of predetermined order types, are generated by qualified market participants and communicated...
7430531 System and method for assisting customers in choosing a bundled set of commodities using customer preferences  
A system and method for assisting a customer in choosing a combination of commodities based on preferences of the customer. A combination is a set of related commodities, wherein bundling discounts...
7430516 Method for issuing insurance underwriting instruments  
A method for issuing an insurance underwriting instrument using at least one computing processor. The method includes identifying data stored in a plurality of memory locations and being indicative...
7428509 Method and system for detecting payment account fraud  
A method and system for identifying patterns of payment account (e.g., credit card account) transactions that have a high probability of being part of a fraudulent scheme. Certain merchant accounts...
7428505 Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility  
A method of displaying a user interface to harvest feedback information pertaining to transactions facilitated by a computerized transaction facility includes the display of multiple feedback...
7428411 Location-based security rules  
Location based security rules are provided for preventing unauthorized access to a device, application, system, content, and/or network, etc. The location-based security rules enable a user,...
7427016 System and method for screening for fraud in commercial transactions  
A method for screening for potential fraud in commercial paper is provided. For example, a method of the invention comprises steps of presenting a check for cashing to a check cashing agent (e.g.,...
7426488 Private equity investments  
In general, in one aspect, the disclosure describes a computer program for analyzing private equity investments. The program includes instructions that access public equity data identifying...
7426487 System and method for efficiently using collateral for risk offset  
A system and method for analyzing correlation between the assets given by the trader for collateral and that trader's open positions is disclosed. Thus, if the collateral is correlated to the...
7426473 Sales activity management system, sales activity management apparatus, and sales activity management method  
To automatically manage payment of charge produced between an apparatus manufacturer and an information provider, and to promote sales of an information processing apparatus and information...
7424972 Automated banking machine system and method  
An automated banking machine ( 152 ) includes a plurality of transaction function devices. The transaction function devices include a card reader ( 170 ), a keypad ( 172 ), a printer ( 174 ), a...
7424714 Mission collaboration system  
A system and methodology for performing tasks in a networked computing environment. The invention disclosed herein broadly applies to a universe of tasks which are currently or might be in the...
7424454 Opening price process for trading system  
A system for determining an opening price for products traded over a distributed, networked computer system is described. The system includes a plurality of workstations for entering orders for...
7424453 Electronic commerce transaction method, program, recording medium and server  
The purchaser client of the corporation or the individual who is the contract member participates in the marketplace that is constructed in the server and requests for the commerce transaction of...
7424452 Method and system for initiating and clearing trades  
A system and method are provided for facilitating the exchange of data between one or more price providers and customers who communicate with the price providers through various portals, each of...