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7191938 Systems and methods for enterprise based issuance of identification cards  
Methods and associated systems for enterprise-wide issuance of identification cards. A single enterprise server component and a plurality of card issuance machine controller components are...
7191150 Enhancing delinquent debt collection using statistical models of debt historical information and account events  
A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among...
7191148 Method for structuring a state revolving fund bond program  
A method for structuring a state revolving fund bond program. More particularly, a method for structuring a state revolving fund bond program including an SRF fund with program equity, at least one...
7188084 Methods and systems for determining roll rates of loans  
The present invention, in one aspect, relates to tools for forecasting cash flow and income from a collateral based loan portfolio that are particularly useful in volatile markets. In one specific...
7185804 Receipt delivery system for secure depository  
A secure depository system ( 150, 158, 164, 180, 192 ) includes at least one secure depository ( 10, 152, 154, 160, 166, 168, 184, 194, 128 ). Deposits are enabled to be made into the secure...
7184989 Staged transactions systems and methods  
Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a...
7184987 Internet-based system and method for facilitating commercial transactions between buyers and vendors  
An Internet-based, business-to-business web site which aggregates product information from each of a plurality of vendors into a common display format. In response to receiving identification...
7184984 Global electronic trading system  
Methods, systems, and computer readable media for facilitating trading two items (L,Q) from the group of items comprising commodities and financial instruments. At least two agents ( 2 ) want to...
7184983 System, method, and computer program product for valuating weather-based financial instruments  
A system and method for valuating weather-based financial instruments including weather futures, options, swaps, and the like. The system includes weather forecast, weather history, and financial...
7184981 Method and system for the creation of a class of loan securities  
An automated system and method for creating a class of loan securities includes determining if a characteristic for each of a plurality the loans satisfies at least one criteria, selecting each of...
7184980 Online incremental payment method  
According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a...
7184979 Dual accounts banking system  
A computerized banking system for handling dual accounts is disclosed. A bank database has transaction information for number one and two accounts. The computer is programmed to generate separate...
7184978 Methods and systems for leasing equipment  
Systems and methods that facilitate selection of particular equipment desired to be leased through contract execution are described herein. In one exemplary embodiment, the system includes a server...
7184977 CLEC convergent billing system  
A process is provided for a billing controller receives a request identifying a customer and indicating one of a plurality of providers for a selected product, converts a portion of the received...
7182253 Consumer directed checking account coverage system  
A system and method that includes the use of a bank checking account that can be connected to insurance coverage. In particular, a banking consumer can purchase insurance coverage for unexpected...
7181432 Electronic purchasing method and apparatus for performing the same  
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In...
7181429 Apparatus and method for storing electronic money  
An apparatus and method for storing an electronic money are disclosed. The apparatus includes a portable terminal having an integrally formed electronic money card which is capable of storing a...
7181428 Automated political risk management  
A risk management method and system for facilitating analysis and quantification of risk associated with politically exposed persons is disclosed. A computerized political risk management system...
7181427 Automated credit application system  
A computer based credit application processing system provides a graphical user interface, automatic software update downloading, lender to lender routing of credit applications, and integration...
7181426 Method and systems for space reservation on parking lots with mechanisms for space auctioning, over-booking, reservation period extensions, and incentives  
Disclosed is a computer-driven reservation system for reserving spaces in a parking facility at an airport terminal. The reservation system comprises a central server, a database of locations and...
7181424 Montage for automated market system  
An electronic market for trading of securities includes a plurality of client stations for entering quotes for securities and a server process that receives quotes from the clients, aggregates the...
7181423 System and method for stock options market management  
A system and method for analyzing the characteristics of sub-time periods of a time period over which a change of trend of a price evolution of a plurality of stock options occurs is disclosed. The...
7181422 Segregation and management of financial assets by rules  
The invention supports the management of financial assets such as accounts receivable or mortgages. The invention provides a facility for a user to define rules to segregate assets into pools,...
7181411 Method for selling upgrade packages in papermaking  
A method for optimizing a production unit, which unit is a unit or a group of units in a papermaking, cardboard, or converting process. The method comprises the steps of analyzing the initial...
7177840 Method and system for processing images for a check sorter  
A system for imaging checks is provided that includes an image capture host and a database. The image capture host is coupled to a sorter that is operable to sort a plurality of checks, to retrieve...
7177837 Computer-implemented method and system for managing accounting and billing of transactions over public media such as the internet  
A system and method for managing accounting and billing e-commerce (including m-commerce) transactions. The user may connect to the e-commerce network by placing a call from a land line or sending...
7177834 Machine-implementable project finance analysis and negotiating tool software, method and system  
A financial simulation computer program product and method to create a project preparation, negotiating, and testing environment using standard project finance tools. A computer usable medium...
7177832 System and method for performing a progressive second price auction technique  
A system and method for allocating a resource using a progressive second price auction technique. An auction is held for a limited resource, such as bandwidth in an Internet Service Provider...
7177830 On-line payment system  
An on-line payment system comprises a computer system which can maintain accounts in a database for a plurality of users. The system is enrolled as a payee in a bill payment system so that users...
7177042 Facsimile apparatus and account-selling system using the same  
An account-settling system comprises a buyer-side facsimile apparatus and a seller-side facsimile apparatus. These facsimile apparatuses are connected to the Internet through LANs, respectively....
7174336 Rule generation model building  
A database management system provides the capability to perform cluster analysis and provides improved performance in model building and data mining, good integration with the various databases...
7174312 User-personalized media sampling, recommendation and purchasing system using real-time inventory database  
A user-personalized product sampling, recommendation and purchasing system uses customer identification numbers and associated customer profile data to tailor specific product recommendations to a...
7171385 System and method for trading off put and call values of a portfolio  
This invention relates to a system and method for valuing a portfolio in terms of its performance relative to a specified benchmark under a range of future scenarios. In particular, the invention...
7171384 Browser interface and network based financial service system  
A browser interface for providing financial services is provided. The interface comprise a toolbar; a menu for presenting one of an application menu and a market data function menu; and at least...
7171383 Methods and systems for rapid deployment of a valuation system  
An integrated system organizes a company's experiences, operating procedures, best practices, information sources, competitive information and analytical tools. The goal is increasing profitability...
7171382 Method and system of enabling minors to make stock market transactions via the Internet with adult authorization  
A method and system for enabling adults to perform stock market transactions on behalf of minors and other young persons who have demonstrated sufficient knowledge of the stock market. The method...
7167985 System and method for providing trusted browser verification  
A system and method for providing trusted browser verification services. In a preferred embodiment, these services are provided within the context of a four-corner trust model comprising a...
7167837 Fair-value pricing of a financial asset  
The fair value of a fund is determined by analyzing various factors indicative of how each underlying asset of the fund would be valued on the open market. The fund may be an international mutual...
7165052 Payment service method and system  
A payment service method and system involve a payment service provider, a customer/payor and a client/payee. The customer/payor enrolls in the service and is provided the unique identifier which...
7165048 Differential commission and electronic order matching process for the distribution of primary market fixed income securities  
An apparatus and process (collectively the “system”) for conducting and managing the primary offering of fixed income securities, specifically, but not exclusively, fixed rate municipal bonds...
7165046 System and method for an efficient dynamic multi-unit auction  
The present invention implements an auction in which multiple types of goods may be auctioned in a dynamic process. In a preferred embodiment, the present invention is a system and method for a...
7165045 Network-based trading system and method  
A network based trading system and method are provided which combine economies-of-scale enjoyed by institutional investors and mutual funds with direct ownership of securities to permit individual...
7165044 Investment portfolio tracking system and method  
Accounting and financial analyses are performed for an investment portfolio to produce comprehensive reports on the performance and/or current real net worth of this investment portfolio. These...
7165043 Valuation prediction models in situations with missing inputs  
A method of valuation of large groups of assets by partial full underwriting, partial sample underwriting and inferred values of the remainder using an iterative and adaptive supervised and...
7165042 Interactive internet analysis method  
A client establishes and/or modifies an interactive account on a server via proprietary sorting and filtering and reporting criteria as a means for timely processing of online financial data and/or...
7162448 Auction market with price improvement mechanism  
A system for auctioning financial products over a distributed, networked computer system includes a plurality of workstations for entering orders for financial products into the distributed,...
7162447 Method and system for obtaining a discovered price  
A method and system for determining an optimal price at which to perform a batch auction of financial assets. Orders, according to a variety of predetermined order types, are received from...
7162445 Methods and systems for quantifying cash flow recovery and risk  
A method of valuation of large groups of assets by selecting a lowest variation assumption for asset valuation in order to limit risk includes the steps of evaluating assets by all known valuation...
7162444 Method, system and computer program product for valuating natural gas contracts using weather-based metrics  
A method, system and computer program product for valuating natural gas futures and options contracts using weather-based metrics. The method and computer program product allow gas buyers and...
7162436 System and method for pairing providers with consumers of online goods and services  
A method and system is provided that operates as an intelligent intermediary between online consumers and providers of goods and services. The system operates to receive a request initiated by a...