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7308427 |
Amortization 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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7308426 |
System and methods for servicing electronic transactions
A service transaction provider for administering a accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is configured to store...
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7305361 |
Apparatus, methods and articles of manufacture for constructing and executing computerized transaction processes and programs
Open-ended apparatus, methods and articles of manufacture for constructing and executing transaction processes and programs are shown. These apparatus, methods and articles of manufacture are...
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7305353 |
System and method for forecasting tax effects of financial transactions
A system and method for forecasting tax effects of financial transactions is provided. The system and method include a series of web pages. The web pages allow a user to 1) determine their federal...
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7305347 |
Apparatus and method for providing employee benefits and /or employee benefits information
A computer-implemented method, including receiving a request or claim for an employee benefit via, on, or over, the Internet and/or World Wide Web, processing the request or claim for an employee...
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7305328 |
Method and apparatus for predicting and reporting a real estate value based on a weighted average of predicted values
A system and method of accurately predicting and reporting a value of a property based on a weighted average of values predicted by at least two prediction models. The system and method include the...
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7303122 |
Methods and systems for providing a financial account charging a flat amount
Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial...
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7302719 |
Systems, methods, and apparatus for instant issuance of a transaction card
Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card...
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7302413 |
Systems and methods for providing loan management from cash or deferred income arrangements
This invention includes methods and systems for providing participants in benefit plans with loans related to the participants' vested assets in the benefit plans. Administrative systems of this...
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7302411 |
Electronic Billing with required viewing of supplemental information
The present invention provides a method, system, and article of manufacture for presenting information via a network. Multiple information identifiers, each associated with information to be...
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7302410 |
Econometric optimization engine
A preferred set of prices for a plurality of products, generally demand coefficients is provided. Cost data including activity-based costs is also received. A preferred set of prices that will...
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7299214 |
System for predictive analysis of time series data flows
This system for predictive analysis of digital data time flows associated with text information ( 18 ) comprises means ( 12 ) for automatically predicting values ( 24 ) of a digital data time flow...
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7299208 |
Apparatus and system for defining an automated spread trading parameter
According to one embodiment, an apparatus includes a communication device adapted to communicate with a trader device via a temporary communication channel (e.g., via a Web site). The apparatus may...
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7299207 |
Data processing system that provides an auction with programmable proxy bids
In the context of computer-based auctions, innovations in proxy bids and auction formats are disclosed. In accordance with the illustrative embodiment, a bidder can program a data processing system...
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7299206 |
Method and system to implement seller authorized buying privileges within a network-based shopping facility
The present invention discloses a system and method for an Internet-based shopping facility. The shopping facility allows a seller to select shoppers that may bid on the seller's auction listing or...
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7299205 |
Mutual fund analysis method and system
A method and system for comparing, ranking, selecting and tracking mutual funds provides a statistical analysis based on past history to facilitate the investment process. The comparing analysis...
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7296192 |
Error handling in enterprise information technology systems
Techniques for error handling are described for errors detected by a computer application that receives and processes application transaction data generated by a different computer application. A...
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7296000 |
Method for managing retirement and other investments that use an asset accumulation strategy
A computer-implemented method is provided to make decisions regarding funding additional contributions to an investment that is funded using an asset accumulation strategy. A data processor...
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7295987 |
Non-debt funding system for home finance
A computer system for changing signals to separately value components temporally decomposed from residential property, the computer system including: an input device operable for converting input...
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7292998 |
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 an...
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7292997 |
Apparatus and method of receiving order, storage medium, and method of point service
A store apparatus stores a point calculation method that is applied usually, and stores also specific combinations of commodities names, as well as a specific point calculation method that is...
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7292995 |
System and method for providing compensation to loan professionals
A system and method for providing a compensation program associated with a modifiable mortgage is disclosed which provides incentives to encourage a sales force to originate a modifiable mortgage....
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7292994 |
System and method for establishing value and financing of intellectual property
The invention provides a system and method for developing intellectual property (IP) assets, by collecting one or more IP assets in accordance with a characterization; determining a market value...
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7292993 |
System for remotely managing bulk product storage
A system for remotely managing bulk product storage in a storage location includes a computer accessible by a plurality of users; a measurer for measuring the storage level of a bulk product; a...
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7290704 |
Method and system relating to a multi-lateral trade engine for payment transactions
In one embodiment of the present invention a method to allow a consumer to direct payments to be made via one or more payment vehicles of choice is provided. In another embodiment of the present...
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7289965 |
Systems and methods for home value scoring
Systems and methods are provided for generating a model for providing one or more scores indicating a likelihood that an appraisal value is faulty. In one embodiment, a method includes receiving...
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7287009 |
System and a method for carrying out personal and business transactions
The present invention relates to a system and a method for carrying out personal transactions including financial transactions, e-mail transactions, and voice messaging transactions. A user of the...
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7287008 |
Method and system for loan organization and underwriting
A system and method for use by a business entity for loan origination and underwriting in connection with real estate investment using a computer implemented application having a plurality of data...
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7287006 |
Risk-adjusted method for pricing financial derivatives
A method and computer apparatus determines the value of a derivative by introducing risk premiums. The method includes determining the underlying security and derivative, determining the risks and...
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7287005 |
Method for supplementing descriptors for online banking transaction statements
Personalized transaction identification information is provided by a user to supplement the generic transaction banking information received from the user's electronic banking service. The...
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7283978 |
Method and apparatus for creating and administering a publicly traded interest in a commodity pool
Systems, methods, apparatus, computer program code and means for creating and administering a publicly traded interest in a commodity pool include forming a commodity pool having a first position...
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7283977 |
System for reducing risk payment-based transactions wherein a risk filter routine returns instructions authorizing payment to a payment queue for later re-evaluation
A real-time, global system and method for controlling payments risk, liquidity risk and systemic risk arising between financial counterparties active in payments-based transactions. The system...
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7281078 |
Bank structure storage control device and paper matter authentication device
A storage control device of bank structure is provided which comprises a CPU 1 and a storage 2 connected to CPU 1 . Storage 2 detects and temporarily holds one of the bank addresses...
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7280980 |
Algorithm for explaining credit scores
An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an...
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7266527 |
Method and device for preventing check fraud
An inventive check is disclosed including a barcode, which includes at least one of the following pieces of information: the date the check was paid, the amount of the check, the payee, the drawers...
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7266526 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an intranet ( 16 ),...
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7266524 |
Method, software program, and system for isolating risk in a financial transaction
A method, software program, and system for isolating risk in a financial transaction. More particularly, in one embodiment, a method, software program, and system for isolating risk among different...
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7266522 |
Method and system in electronic commerce for uniquely identifying products to improve reliability and confidence in transactions initiated online
A method, apparatus, system, or computer program product facilitates trustworthy electronic commerce by providing a methodology for uniquely identifying a product offered for sale online so as to...
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7266521 |
Method and system of managing mutual early termination terms for the electronic trading of financial instruments
A method and system for tracking and enforcing mutual put, i.e. early termination, requirements for contracts between a first financial institution and a second financial institution for underlying...
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7266520 |
Digital computer system and methods for managing an auction market for preferred-return securities
A digital computer machine and a data processing system, methods involving the same and products produced thereby, as well as data structures and articles of manufacture pertaining thereto, as...
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7266507 |
Time-based disablement of equipment
A disabling module in communication with a control module operates to disable or partially disable equipment in response to the failure of a user to complete a specific task, such as make a loan or...
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7263505 |
Method and apparatus for generating a sale offer over an electronic network system
A method and apparatus are provided for generating a sale offer over an electronic network (such as the Internet). The method and apparatus may be used with a commercial sale system designed to...
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7263504 |
Diversification of risk for artists and investors
A business model for the diversification of risk in connection with works of art includes accepting from various artists works of art to be pooled in a collective investment fund. A financial...
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7263503 |
Capital allocation in a 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...
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7263502 |
Methods and systems for analyzing and predicting market winners and losers
The present invention relates to a tool for selecting winners and losers based on their market position using a volume/turnover filter. Using the present tool, investors may predict when to hold...
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7257566 |
Method for decision and risk analysis in probabilistic and multiple criteria situations
A computer-implemented decision device and a family of methods and procedures are used for representing and analyzing imprecise, vague, and incomplete probabilistic decision and risk problems...
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7257556 |
Method and system for providing mandatorily convertible securities with associated senior debt instruments
The present invention relates to a method and system for providing and/or offering mandatorily convertible securities with associated senior debt instruments. The mandatorily convertible securities...
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7257555 |
Method and system for providing dividend enhanced convertible stocks with acceleration triggers
The present invention relates to a method and system for providing and/or offering mandatory convertible securities, such as dividend enhanced common/convertible stocks (DECS), with acceleration...
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7257554 |
Anonymous purchases while allowing verifiable identities for refunds returned along the paths taken to make the purchases
An electronic commerce system and method has a number of computer systems connected by a network, including a broker computer system having a database of scrips representing a form of currency, a...
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7254557 |
Financial services payment vehicle and method
A financial services payment vehicle is disclosed having a database stored on a computer readable media, the database including records associated with a plurality of active financial services card...
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