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7340040 System and method for real-time, personalized, dynamic, interactive voice services for corporate-analysis related information  
A system and method for creation and automatic deployment of personalized, dynamic and interactive voice services relating to subscriber corporate analysis related information, including...
7337947 Prepaid account and card  
A transaction card with a prepaid amount for spending is disclosed. The card may be funded through direct deposit, savings accounts, or any other source, for instance, specified by an individual...
7337142 Multiple exchange rate tracking in a financial transaction manager  
A system, method, computer program product, and user interface for tracking multiple exchange rates for transactions in a financial software application. Historical exchange rates are applied to...
7337139 Ascending bid auction for multiple auctions  
An automated system for conducting an auction and a method for operating the system. The system comprises a plurality of bid entry terminal and a bidding information processor communicatively...
7337137 Investment portfolio optimization system, method and computer program product  
The preferred embodiments provide improved systems, methods and products for the optimization of a portfolio and/or multi-portfolios of assets, such as stocks. In some preferred embodiments, new...
7337135 Asset price forecasting  
Provided is a technique forecasting the direction in which the price of an asset will move by identifying a group of exogenous variables that are likely to influence observed prices of an asset....
7337134 Shareholder value add 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...
7333955 System and method for securing communication service  
A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer...
7333954 Automated banking machine and system  
An automated banking machine includes at least one browser and transaction function devices, including a currency dispenser device. The machine can be operated in a modified mode in response to...
7333950 System for creating, pricing and managing and electronic trading and distribution of credit risk transfer products  
A computerized system creates and prices synthetic credit products on demand and distributes them to customers electronically through financial information systems and online trading websites. The...
7333940 Method and computer-readable medium for negotiating reinsurance for a risk  
System, methods, and computer program products for facilitating negotiations for reinsurance of a risk. The negotiations for reinsurance of a risk are conducted between a cedent and one to many...
7333937 Health care financing method  
A computer implemented method for determining eligibility of a patient to receive financial assistance. The method utilizes health care financial assistance information associated with at least a...
RE40091 Computerized system and method for creating a buyback stock investment report  
A computer implemented method for creating an investment report. A database of stock information is screened based upon buyback ratio and prices/sales ratio selection criteria. The buyback ratio...
7330835 Method and system for tracking and reporting automated clearing house transaction status  
Tracking and reporting status of automated clearing house (“ACH”) transactions. An ACH operator receives an ACH file comprising an ACH batch comprising an ACH transaction item for ACH...
7330834 System and method for electronic trading of assets  
A method for online trading of assets via transactionally linked virtual markets comprising the steps of defining attributes and behaviors of each of the virtual markets; placing individual buy or...
7330833 System and method for auctioning services over an information exchange network  
A system and method for auctioning services. A rating system is employed to rate the buyer's transaction history, with respect to their frequency of following through with the bids for jobs that...
7330831 System and method for multiple account single security trading  
A system and method are provided for managing multiple investor accounts by rapidly computing and displaying the potential tax and gain/loss implications of proposed buy and sell transactions...
7330820 Premium evaluation systems and methods  
The invention relates to systems and methods for determining and evaluation insurance policy premiums based on risks associated with class action lawsuits and non-class action lawsuit related risks.
7328190 System and method for adding value to a stored-value account  
A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with a...
7328185 Handling order (proxy) bids in an on-line auction  
A method and apparatus for generating bids for bidding agents in an auction. Bids are sorted by decreasing bid amount for regular bids and upper limit for order bids to form a sorted set of bids,...
7328183 Computer program and method for determining the economic impact of long-term care  
A computer program and method is provided that enables professional advisors, as well as individuals, to improve their understanding of the risks associated with long-term health care in effort to...
7328182 System and method for prediction of behavior in financial systems  
A computer-based system and method are provided to determine the minimum number of factors required to account for input data by seeking an approximate minimum complexity model. In an exemplary...
7328181 Method and system for transacting an anonymous purchase over the internet  
A method is provided for transacting a purchase using a non-personalized purchase card which is distributed to a number of purchase card outlet each purchase card being a bearer instrument having a...
7328180 Resource allocation system  
A method for ranking and allocating investment assets, the method including the steps of (a) classifying assets into discrete asset classes and obtaining index values for each of the asset classes;...
7328179 System for determining a useful life of core deposits and interest rate sensitivity thereof  
A method and system for determining a useful life of financial instruments, such as financial assets and liabilities. A dynamic calculation of a first retention rate is performed for each of...
7325253 System and method for electronic consent and delivery of financial and/or other transaction-related information  
The present invention relates to a method and system for effectively and efficiently delivering financial and/or other transaction-related information to investors while complying with relevant...
7324971 Blind perturbation encryption method for protecting financial position information while providing risk transparency  
A method for protecting investment position information during risk or performance evaluation, comprising the steps of: sending position name information and corresponding position quantity...
7324967 Method and system for interactive initial offering of multi-class financial instruments  
A method and system for underwriter offering of multi-class instruments including a central processing unit (CPU), a program memory, a structure database and an investor database. The structure...
7322516 Using a remote terminal to conduct assisted self-service transactions in a banking facility  
A system for use in assisting a financial transaction between a financial-services institution and a customer of that institution includes a display component including circuitry for creating a...
7321873 Foreign exchange trading system  
Computer-implemented trading of financial products can include using a first communication channel to stream offering data for a plurality of different financial products from a server to a trading...
7321872 Automated trading exchange system and method utilizing a randomized opening procedures  
A method of opening option trading in an automated exchange trading system. The system receives orders and quotes and matches the orders and quotes to generate trades. The method includes the step...
7321870 System and method for providing financial services to high net worth individuals  
A system and method for providing financial and other services to high net worth individuals is described. A significant feature is the method for selecting and managing a comprehensive set of...
7320001 Method for visualizing information in a data warehousing environment  
According to the invention, techniques for visualizing customer data contained in databases, data marts and data warehouses. In an exemplary embodiment, the invention provides a method for...
7319985 Loan product and system and method for providing and monitoring a loan product  
A method and a Loan product providing for Banks and other large Finance Companies (Intermediaries) to market and fund loan product to its Customers (Borrowers), whereby the entire loan processes...
7319983 Account status system and method for managing a closing of a user account  
Method for managing a closing of an account of a user. The method includes receiving an identifier of the account of the user, retrieving status information associated with the identifier and...
7318045 Event-driven trade link between trading and clearing systems  
A system is provided for linking together a system of trading financial instruments to a system of clearing transactions in financial instruments. In a first aspect of the present invention, the...
7315840 Procedural order system and method  
A procedure is a template that specifies trigger conditions and what to do when the trigger conditions occur, or do not occur within a specified time. Generally, a procedure corresponds to an order...
7315839 Securities pricing system  
A system for adjusting a price for a security, the price having a spread, and including a pricing engine for providing to a client a price quote for the security. Also included is a past trades...
7315838 Method and system for pricing options  
A method for providing a bid price and/or an offer price of an option relating to an underlying asset, the method including the steps of receiving first input data corresponding to a plurality of...
7315837 Communication interface for a financial modeling and counseling system  
The present invention provides a method and a computer system for providing a communication medium over a network for financial modeling and counseling. The system includes financial modeling using...
7315835 Price fluctuation predicting device and predicting method, price fluctuation warning device and method, and program providing medium  
An open market is made up of numerous dealers, and each dealer is allowed to freely set selling and buying prices. Dealers tend to predict prices while being affected by recent price changes, and...
7314168 Account monitoring system  
A system for analyzing account information including a processor grouping a plurality of individuals into a plurality of certification groups and assigning a corresponding rule set to each...
7313544 System and method for restricting over-limit accounts  
A system and method is provided for preventing check kiting with credit card products. The disclosed system first determines whether the cardholder is exhibiting check kiting behavior. This is...
7313543 System and method for dividing a remittance and distributing a portion of the funds to multiple investment products  
A known charge card billing system communicates with an investment broker system, wherein the investment broker system includes an instruction arrangement database, payment hierarchy and an...
7313541 System and method for estimating conduit liquidity requirements in asset backed commercial paper  
A method and system for financial modeling to predict the amount of liquidity needed to support a portfolio of assets that is being financed in the commercial paper market, or any other market that...
7313539 Method and system for reserving future purchases of goods or services  
A method and system for reserving future purchases of goods or services. A server network device provides to a client network device via a computer network, a list of available goods or services...
7310617 Real-time financial card offer and application system  
A system is disclosed for presenting financial card (e.g., credit card, debit card) offers to potential customers. Financial card applicant selection criteria and financial card term data are...
7310615 Financial data reporting system with alert notification feature and free-form searching capability  
An integrated financial data reporting system provides for real time data entry, assessment, and report generation. The system includes message formatting, database management, and select...
7309008 System and method for calculating expected approval rates  
The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The...
7308428 System and method for displaying market information  
The subject invention overcomes the limitations of known market data displays by producing a graphical market display that integrates analysis of both 1) intra-day trading activity by classes of...