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7254556 |
System and method for paying down debt using an equity loan revolving line of credit
A loan system program comprises a loan account having a loan principal on a purchased item, and a secondary account used to pay the amortized interest on the loan principal. A user deposits, such...
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7252224 |
Front counter and back counter workflow integration
A system and method for processing financial transactions includes an input receptive of cash and a plurality of images of physical items of the transaction, wherein the images contain a visual...
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7251633 |
Method or system for executing deferred transactions
A method of conducting a transaction between a user of a remote communications device and a second party includes: creating a transaction data structure based on input from the user that defines...
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7251626 |
Apparatus and method for indicating the status of transaction function devices in an automated banking machine
An automated banking machine includes a plurality of transaction function devices, including a cash dispenser. The machine can generate an HTTP record including indicia representative of an...
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7251625 |
Customer identification system and method
A method and system are presented for identifying a customer in a commercial transaction using less than complete identifying information. A name for the customer is extracted from a credit card...
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7251624 |
Score based decisioning
The invention aids an entity to selectively request additional data about a user to serve the needs of the entity without causing the user to have an adverse reaction. The invention helps an entity...
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7251623 |
Method for managing a financial security
A financial security product and method for managing a financial security, such as a variable annuity, which enables financial service providers to deduct the fees, costs and expenses associated...
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7249344 |
Delivery of financial services to remote devices
A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external...
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7249138 |
Parallel selection processing for financial processing in a relational database management system
A Value Analyzer system is a data-driven computer-facilitated financial model that provides accurate and consistent profitability calculations using account and event data stored in a relational...
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7249096 |
Systems and methods for facilitating a distribution of bank accounts via an educational institution
According to some embodiments, systems and methods are provided to facilitate a distribution of bank accounts via an educational institution. For example, information associated with a student,...
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7249095 |
System and method for executing deposit transactions over the internet
A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank customers access the...
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7249094 |
System and method for depicting on-line transactions
A system and methods are provided for depicting on-line transactions. Transactions may be represented as a connected graph with various visual and/or aural attributes indicating different statuses...
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7249092 |
System and method for facilitating a subsidiary card account with controlled spending capability
The present invention provides a system and method for facilitating a subsidiary account with parental control of one or more spending limits. An exemplary system facilitates the provisioning of...
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7249090 |
Method and system for distributing receivables
The method and system of the invention is directed to a process for the optional acquisition of receivables. The method of the invention, which may be characterized as an Optional Purchase...
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7249088 |
Joint estimation of bidders' risk attitudes and private information
A method and apparatus for determining private information and risk attitudes of bidders at auctions. By varying auction formats, the underlying risk attitudes and joint distribution of bidders'...
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7249086 |
Arbitrage of tracking securities
A financial product is based on a first fund that is traded on a trading marketplace in a first country. The financial product is registered in the first country. The first fund has the...
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7249083 |
Securities, supporting systems and methods thereof
A financial instrument, equity dilution inhibitor and security upgrade account are disclosed based on an enhanced call-spread option. Implementation of the investment vehicle and/or upgrade account...
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7249081 |
Load aware optimization
A process utilizing a modification to the inputs to a standard portfolio optimization is provided for facilitating load aware optimizations. First, each loaded financial product, such as a mutual...
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7249080 |
Investment advice systems and methods
The present invention provides investment advice systems. One version of the present invention provides investment advice systems that allow a user to select one or more advisors from a list of...
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7249079 |
Method and system for multi-period performance attribution
A method for arithmetic and geometric performance attribution which accurately links single-period attribution effects over multiple periods. The arithmetic attribution method optimally distributes...
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7249077 |
Methods for issuing, distributing, managing and redeeming investment instruments providing securitized annuity options
A method of issuing and managing investment instruments called “Pension Shares” which preferably take the form of securities that represents a claim against and is secured by an investment...
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7249076 |
Method for providing credit offering and credit management information services
The present invention is related to a method for issuing a credit card to a customer in combination with providing credit management information services for the customer. The exact terms of the...
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7249075 |
System and method for administering principal protected equity linked financial instruments
A data processing system and method for implementing and control of a financial instrument having pre-set maturity that provides efficient exposure to common stock at a reduced risk. In a preferred...
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7246094 |
Method of structuring a credit entailing a fixed payment component and a variable payment component
In one embodiment a method of structuring a municipal bond issued by a credit issuer to a credit holder, comprising requiring the credit issuer to pay to the credit holder a fixed payment...
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7246093 |
Automated exchange for trading derivative securities
An automated exchange is provided for trading the financial instruments, such as options contracts. The exchange receives an order to purchase or sell a quantity of the instrument. Information...
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7246092 |
Montage for an electronic market
A dynamic quote window for a securities system includes a quote montage that displays quotes from market participants to buy or sell a security and a plurality of controls disposed proximate to the...
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7246090 |
Method for detecting aberrant behavior of a financial instrument
A computer implemented method for identifying aberrant behavior of a financial instrument including: retrieving from a source of market data, closing price, volume and number of transactions...
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7246089 |
Liability management method
Disclosed are methods of managing potential liabilities. The method can allow participants to pool their funds in order to pay off pending and future liabilities and can allow participants to...
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7246086 |
Product information management device
A My Page management server is a server that provides a personal world wide web (WWW) page named My Page for a user who has been registered as a member. The My Page management server includes a...
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7243083 |
Electronic spread trading tool
A versatile and efficient electronic spread trading tool to be used when buying and selling comparable commodities either simultaneously or in conjunction with one another. The spread trading tool...
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7243081 |
Method of determining optimal asset allocation utilizing asset cash flow simulation
A method of simulating future cash flow for a given asset allocation under a variety of economic conditions, measuring the frequency of failure of the cash flow to avoid one or more predefined...
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7236951 |
Systems and methods for modeling credit risks of publicly traded companies
There are provided new structural default models for modeling the likely default of publicly traded companies. In a first embodiment, the invention is straight-forward to implement and allows the...
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7233924 |
Method and system for submitting bids
Methods and systems are disclosed which relate to submitting auction bids via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be...
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7233922 |
System and method for wagering-based transferable financial instruments
The invention provides a system and method for creating and facilitating the exchange of wagering-based transferable financial instruments. The instruments may be used to embody multiple various...
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7233921 |
Presentation of optimum portfolio
In a method of providing a portfolio by combining a plurality of financial instruments for a prefixed operating period, there are included a setting step of systematically setting up beforehand a...
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7233920 |
System and apparatus for credit transaction data transmission
A system for transmitting credit transaction data, such as an authorization request, is provided. The system includes a remote hub system that is connected to a communications medium, such as the...
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7232060 |
Point of sale devices for converting promissory transactions into debit transactions
Systems and methods are provided for using a point of sale device to obtain authorization from a customer to convert the customer's promissory transaction to a direct debit transaction. In an...
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7231372 |
Method and system for paying for goods or services
A method and system for paying for goods or services which includes a mobile radio device and a base telecommunication station which communicates with the mobile radio device via electromagnetic...
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7231366 |
Global vendor financing system and method
Various aspects of the invention can be found in a method or system of global vendor financing that automatically process vendor financing applications. A vendor financing application is received...
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7231365 |
Auction method and auction system, and storage medium therefor
A solution is provided for the problem of determining a successful bidder in an auction wherein bids are submitted for a great number of trading targets (products). Two restrictions are imposed on...
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7231363 |
Method and system for rebrokering orders in a trading system
Systems and methods are described herein for supporting the trading of bonds in a computerized system using broker dealers as intermediaries. Broker dealers receive orders relating to particular...
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7231362 |
Systems and methods for facilitating use of agreement information via an agreement modeling system
Systems and methods are provided to facilitate use of agreement information via an agreement modeling system. According to one embodiment, transaction information is evaluated based on agreement...
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7228290 |
Method and system for simulating risk factors in parametric models using risk neutral historical bootstrapping
An improved method for simulating noise-varying risk factor values in a parametric simulation comprises analyzing historical data to determine the actual value of the risk factors and other...
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7228288 |
Method of repeatedly securitizing intellectual property assets and facilitating investments therein
The present invention relates to methods of repeatedly valuing intellectual property assets and securitizing such assets. The present invention provides a means whereby holders or owners of...
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7225155 |
Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement...
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7225154 |
Methods and systems for coordinating pooled financial transactions
Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected...
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7225153 |
Digital options having demand-based, adjustable returns, and trading exchange therefor
This invention provides methods and systems for trading and investing in groups of demand-based adjustable return (“DBAR”) contingent claims, including digital options, and for establishing...
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7225151 |
Online auction bid management system and method
A method and system for automatically managing an auction for determining relative priority for a service in a system wherein priority is based on the relative value of related bids is disclosed....
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7225150 |
Electronic trading system including an auto-arbitrage feature or name switching feature
An electronic trading system includes a plurality of trader terminals for receiving credit parameter data, arbitrage parameter data, and trading data from a trading entity, and a computer connected...
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7225137 |
Hardware/software management, purchasing and optimization system
The invention provides for tracking and day-to-day management of technical requirements, costs and environmental details of existing computer data centers, and the creation of scenarios for...
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