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7357315 Customer interaction console and configurable console system  
A customer interaction console may include a counter module and a customer-oriented display. The counter module may include one or more raised portions with the customer-oriented display integrated...
7356541 Processing business data using user-configured keys  
A system, method and carrier medium for locating processing parameter values in a Financial Service Organization (FSO) computer system using pre-configured key definitions, key values, and key...
7356504 Methods for determining value at risk  
A preferred embodiment comprises a method for determining value-at-risk based on tick-by-tick financial data. Major steps of the method comprise the following: (1) financial market transaction data...
7356503 ASP business decision engine  
A decision engine is provided that integrates all components of a credit application process, including access to and manipulation of credit bureau data, credit scoring, credit decisioning, and...
7356502 Internet based payment system  
An internet based payment validation system links a customer computer to a third party processor computer after the customer, communicating with the a merchant computer over the Internet, indicates...
7356501 Integrated price and volume display of market traded securities using price-volume bars  
A method and system for providing trading volume information of selected market traded securities compiling aggregated volume of transactions executed within each pre-selected price bracket for...
7356500 Method for directing and executing certified trading interests  
Preferred embodiments of the subject invention overcome the limitations of known trading interest dissemination and execution systems by (1) enabling market participants to limit dissemination of...
7356497 Systems, apparatus and methods for establishing a flat fee brokerage account system  
A method including establishing a commission-free fee-based brokerage account for a client and maintaining a balance between the account's fee, its investment activity and services received, and...
7356487 Efficient transportation of digital files in a peer-to-peer file delivery network  
A method and system for efficiently transporting digital files over a peer-to-peer network is disclosed, where the network includes at least one server node and multiple client nodes. According to...
7353208 Transaction processing using intermediate server architecture  
A system and method of transaction processing is provided and includes a transaction terminal accessing a communications network. The transaction terminal sends first transaction information for a...
7353202 System for and method of risk minimization and enhanced returns in an intellectual capital based venture investment  
The disclosure relates to an investment risk minimization system involving a venture capital investor and a venture needing investment from the venture capital investor. In such a system, an...
7353200 Internet-based employee stock option planner  
A system is provided for educating and training employees and others about their stock options with an online stock option planner that includes customizable easy-to-use calculators and modeling...
7353199 Method of moderating external access to an electronic document authoring development and distribution system  
A method for moderating external access to an electronic document authoring, development and distribution system can comprise the steps of: identifying a third party requesting access to the...
7353197 Transaction control system  
A transaction control system ( 1 ) generates presentation objects ( 19 - 22 ) which reside on front-end terminals. The control system ( 1 ) also comprises a business rules layer ( 16 ), a...
7353196 Configuring dynamic database packageset switching for use in processing business transactions  
A system and method for dynamic selection of a database identifier, associated with a database, based on application program requirements in a Financial Service Organization (FSO) business...
7349881 Computer borrow and loan securities auction system  
An auction system is disclosed which allows users to participate using their own, or the exchanges, or a brokers, computers, suitably connected to the auction system. This connection may use the...
7349880 Commerce information processor, commerce terminal, commerce information processing method, and recorded medium  
A transaction information processing apparatus and the like for carrying out electronic business transactions of various products and services is provided. Equipped with a subscription information...
7349879 Methods and systems for market clearance  
In a marketplace, offers are processed that are intended to be associated with other offers in a pool. The offers specify conditions for acceptance. Improvable offers are received that are capable...
7349876 Determining a minimum price  
Different minimum prices are assigned to different ad serving constraints (such as keywords, geolocations, serving times, etc.). A single auction minimum price may be determined for an auction...
7349875 Basic and intermediate net interest revenue implementations 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...
7349874 Other revenue implementation 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...
7349873 Methods and systems for accessing financial prospectus data  
Methods and systems for accessing prospectus data are provided. These methods and systems utilize electronically readable media incorporated into a printed financial prospectus to provide access to...
7349860 Insurance incentive program having a term of years for promoting the purchase or lease of an automobile  
Included in the payment of a financing amount corresponding to a loan or a lease of an item, such as an automobile, is a payment representing a portion of an insurance premium amount for an...
7346573 Methods and systems for managing investments in complex financial investments  
A metric, Investment Participation at Cost (IPAC) has been developed to determine the amount of money working in an investment vehicle. IPAC has particular application in a complex, private equity...
7346571 Automated bid decision technique  
An automated bid decision system allowing a bidder to make a bidding for plural commodity items over a plurality of markets is disclosed. A data memory stores a logical formula representing a...
7346570 Structured finance performance monitoring index  
A method for assessing and dynamically rating transactions ( 180 ) for structured finance transactions. The method assesses the deviation ( 170 ) from a payment promise to be expected from...
7346568 Serially staged, initial public stock offering method  
A method for offering stock. The method includes offering a first portion of shares of the stock at a first price and offering a second portion of the shares at a second price after a first trading...
7346567 Conditional fee ownership home financing system and business method  
A method and system for financing the purchase of real property utilizing a conditional fee simple deed. Under this method a conditional fee purchaser and a conditional remainder purchaser enter...
7346566 Method for assessing equity adequacy  
Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an...
7346540 Marketing selection optimization process  
A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one...
7343348 System for performing real-estate transactions over a computer network using participant templates  
A system for facilitating electronic transactions among participants to a transaction is afforded that comprises a server having a software application stored thereon, one or more databases...
7343343 Electronic goods-purchasing method and commercial-transaction apparatus therefor  
A method for purchasing an item using a terminal apparatus connected to a supplier server through a communication line. The method includes accumulating data associated with a user request to...
7343339 Electronic bond and guaranty process and business method  
Disclosed is a method by which suretyship bonds and guaranties can be purchased and deployed over the Internet in real time, providing automatic application evaluation and policy binding. The...
7343336 Computerized system and method for optimizing after-tax proceeds  
A computerized system and method process financial securities and instruments to accurately determine and optimize the after-tax proceeds an investor could expect to have at the end of a holding...
7343335 Method for managing group finances via an electronic network  
The present invention provides a method of managing group finances via an electronic network. Transaction details are received from a member of group via an electronic network. The transaction...
7343333 Method and system for converting an annuity fund to a life insurance policy  
A method and system for converting an annuity fund to a life insurance policy at a predetermined conversion date comprising the following steps: establishing an annuity fund including selecting an...
7343332 Advanced and breakthrough net interest revenue implementation 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...
7343325 Method and system for constructing price structures for complex products and services  
The invention provides a system and method for constructing and maintaining a price structure for an e-commerce transaction relating to a complex product or service. A pricing tree is built of...
7343309 Method and system for generating insurance premium quotes by multiple insurance vendors in response to a single user request  
A system and method for permitting a consumer to compare premium estimates form a plurality of insurance providers based on inputting conditions which affect the premium calculation a single time...
7343149 Network support for credit card notification  
An apparatus in one example has: a network service provider; a mobile terminal operatively coupled to the network service provider; a credit card company system operatively coupled to the network...
7340433 System and method of transaction settlement using trade credit  
A method and system for settling a transaction with trade credit value which makes use of computer hardware and software, allows Members of a trade credit settlement system to transfer electronic...
7340432 System and method for supporting a security-trade financing service  
A system and method for supporting a security-trade financing service is disclosed, more particularly, wherein a method is implemented in a computer system containing at least one server including...
7340431 Systems and methods for determining the value of assets  
Systems and methods are provided for analyzing a set of assets. Generally, a distribution is computed for a characteristic of assets, setting a range in a tail of the distribution and partitioning...
7340430 Real-time trading system  
A method and system is provided for managing risk associated with providing real-time trading services and includes the step of providing a plurality of dealing quotes wherein each of the plurality...
7340429 Method and system to enable a fixed price purchase within a online auction environment  
A method of allowing a seller in an auction facility to offer buyers the option of buying an offering at a pre-auction seller determined price or using a regular auction process. If a buyer is...
7340428 System and method for using composite scoring in an auction process  
A system and method for conducting an auction for a sponsor includes setting a composite score for each bid submitted to the auction. The setting of the composite score includes selecting at least...
7340427 Data processing systems and method for creating efficient floater classes  
A method for creating investment securities structured from interest-rate derivative and mortgage pool components is described. The method includes analyzing the risk elements of the derivative and...
7340426 Event-triggered transaction processing for electronic data interchange  
A method and system for automating data exchange processing by using event-triggered transaction processing. Transaction data may be exchanged electronically with industry clearinghouses or...
7340425 Method for generating a portfolio of stocks  
A method is provided for selecting a portfolio of securities for investment purposes and then deciding the quantity of shares of each selected security in the portfolio. Specifically, the method...
7340423 Method for defining a relationship between an account and a group  
Defining a relationship between an account and a group. Accounts corresponding to different products are linked together to create a group so that group processing can be performed at the group...