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7533045 Method and system for life settlement and life insurance contracts securitization involving asset and liability stripping  
One embodiment of the present invention provides a means of securitization of life settlement contracts using a method of stripping the death benefit asset from the premium liabilities by producing...
7533044 System for sale of consumer goods  
A system for sale of consumer goods, the system including means for issuing to a customer from a printer a non-validated token representing an article of merchandise following election by the...
7530490 Systems and methods to perform credit valuation adjustment analyses  
Pursuant to some embodiments, a method includes: identifying information associated with an existing credit position involving a first party and counterparties; identifying information associated...
7529709 Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student  
A system and method of facilitating a transfer of a refund amount from an educational institution to a student. A refund controller receives from an educational institution a request for...
7529708 System and method for determining latent demand for at least one of a plurality of commodities  
A system for determining latent demand for at least one of a plurality of commodities includes an offer analyzer and a commodity selector. The offer analyzer analyzes at least a plurality of...
7529705 Electronic trading system for simulating the trading of carbon dioxide equivalent emission reductions and methods of use  
An electronic trading system for simulating the trading of carbon dioxide equivalent (CO 2 e) emission reductions and methods of use are provided. An electronic trading application may allow a user...
7529702 Bond issue risk management  
The present invention provides an auction system that allows bond issue sales to be offered in an open and transparent manner, wherein, a certain percentage (up to 100%) of bonds in a bond issue...
7529701 System and method for implementing employee stock plans  
Tools for implementing employee stock plans including stock options, restricted stock awards and/or and stock purchase plans are provided. A system is provided that comprises volatile data storage...
7529698 Apparatus and method for providing transaction history information, account history information, and/or charge-back information  
A computer-implemented method, including receiving information regarding a transaction involving an account, wherein the information regarding the transaction is received by a receiver prior to a...
7526487 Business transaction processing systems and methods  
A system, method and carrier medium for configuring processing relationships among entities of a Financial Service Organization (FSO). A system, method and carrier medium for configuring Financial...
7526446 System and methods for valuing and managing the risk of credit instrument portfolios  
The present invention relates generally to a system of components, comprising an integrated architecture, which supports calibration of financial models, and the structuring, pricing,...
7526444 Integrated trading information processing and transmission system for exempt securities  
A system is provided for processing and transmitting trading information for exempt securities or assets not otherwise listed, traded, valuated or bought/sold in any conventional exchange or system...
7526442 Cross correlation tool for automated portfolio descriptive statistics  
The cross correlation tool is used to quickly understand and describe the composition of an asset portfolio and the response of a user selected variable versus other variables in the portfolio. The...
7523466 Method and apparatus for customizing a marketing campaign system using client and server plug-in components  
Method and apparatus are disclosed which permit customization of a marketing campaign system. Client-side plug-in components and server-side plug-in components are provided. The server-side plug-in...
7523068 Centralized payment processing system  
A centralized payment processing system is disclosed, which gives the user the ability to create payment outputs in a centralized environment. The centralized payment processing system includes...
7523066 Apparatus and method for facilitating communication for borrowers and investors regarding commercial mortgages  
A system, method, apparatus, means, and computer program code that facilitate communication between trustees, investors, borrowers, and other vendors associated with a commercial mortgage loan.
7523065 Risk transfer supply chain system  
An automated method and system ( 100 ) for supplying risk transfer products to a client company on a continual basis. After the client company provides data to the risk transfer supply chain, swaps...
7523062 Securities processor and a method of processing attributable interest messages  
A securities processor includes a prematching process for validating an attributable security interest message placed by a market participant on a securities trading system This attributable...
7523060 System and method for negotiating according to improved matching criteria  
A computer-implemented system ( 10 ) for conducting automatic negotiations stores profiles for parties ( 12, 14 ) to the negotiation, each profile specifying values for one or more parameters being...
7523057 Transferring funds to designated accounts through the use of a money management card  
A money management card adapted to provide a method of saving and investing for a user of the money management card. An entity, such as, for example, a card issuer, receives a user designation of...
7523056 Evaluation of securities  
A method for evaluating securities comprises the steps of estimating a P/E ratio for a security that will yield a predetermined rate of return on an investment in said security, inputting an actual...
7523055 Financial information access system  
A system is disclosed in which a user of an information service may access financial data relating to recent credit and debit card transactions. Any entity with a TCP/IP connection to the Internet...
7523054 Method for mitigating risk associated with the settling of foreign exchange (FX) payment-based transactions  
A computer-implemented method of reducing risk in foreign exchange payment-based transactions between financial market participants, wherein the risk filter routine: automatically generates an...
7519554 Processing binary options in future exchange clearing  
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
7519553 Method and system for debt collection optimization  
The present invention employs data processing systems to handle debt collection by formulation the collections process as a Markov Decision Process with constrained resources, thus making it...
7519552 Method of enhancing value of pension system assets  
A program product, a system, and method for a trustee and a pension system, one embodiment of a program product consistent with the invention comprises program code for generating or receiving a...
7519551 Systems and methods for administering return sweep accounts  
Novel systems and methods for managing a plurality of client demand accounts so as to allow a banking institution to retain client deposits on the bank's balance sheets while, at the same time,...
7516883 Financial transaction system with consumer reward and net settlement  
A financial transaction system in which a participant may make a purchase of goods or services from a merchant using an access device such as a payment card. Upon approval, the transaction is...
7516175 Method of organizing and analyzing field warranty data  
A system and method for organizing and analyzing field warranty data including a warranty interface provided with warranty data from a warranty group. The warranty interface being capable of...
7516100 Method and system for transferring money in business-to-business internet transactions  
A method for enabling two businesses to complete a transaction that includes payment from one business (the buyer) to another business (the seller). A payment enabler operates the money transfer...
7516095 Stochastic control system and method for multi-period consumption  
The present invention relates to dynamic optimization of system control over time. The need for dynamic optimization arises in many settings, as diverse as solar car power consumption during a...
7516085 Market determination system  
A market analysis system uses travel time to define a relevant market area. A map is generated using stored geographical map information around a selected geographical point or area, and a travel...
7512563 System and method to automate payment for a commerce transaction  
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
7512556 System and method for evaluation of simulated hedging relationship assignments  
A system and method for evaluation of simulated hedging relationship assignments. A processor may, in response to an inputted selection of a simulated hedging relationship assignment, calculate at...
7512555 Investment management tool  
An investment portfolio development and management system using dynamically linked and re-configurable portfolio building blocks for the construction and management of hierarchical portfolios....
7512554 Tax adjustment 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...
7509286 Systems and methods for money fund banking with flexible interest allocation  
This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned...
7509285 Method of establishing a credit limit  
A system and method is provided for offering and providing credit card products. The disclosed systems and method provide a credit card product whose credit limit is determined at the time of...
7509281 System and method for statement presentation  
The present invention is a system and method for producing statements that have charges for one or more service categories. The present invention enables a service provider to define which services...
7509280 Enterprise healthcare management system and method of using same  
The enterprise healthcare management system and method includes a novel healthcare management system. The healthcare management system includes a server system connected to a plurality of...
7509275 System and method for asymmetric offsets in a risk management system  
A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two...
7509274 Internet-based system for identification, measurement and ranking of investment portfolio management, and operation of a fund supermarket, including “best investor” managed funds  
Internet-based business system and management programs therefor, and more particularly to financial investment management characterized by a unique system of attracting and identifying the Best...
7509265 Method and apparatus for performing insurance insolvency operations  
Described are techniques used in connection with providing insolvency services in connection with guaranty finds, such as property and casualty guaranty funds, upon the occurrence of an insurance...
7509262 Weight based upselling  
Weight based upselling, including receiving a purchase request for an item from a customer; determining a weight of the item; identifying, in dependence upon the weight of the item, a shipping...
7509261 Method for forecasting house prices using a dynamic error correction model  
A system and method for forecasting a price of a property in a first housing sub-market based on data related to a second housing sub-market are described. A price index is derived for the second...
7505939 Method and apparatus for a verifiable on line rejection of an applicant for credit  
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau...
7505938 Interactive voice response quick credit system and associated methods  
A system and method for applying for a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by a credit...
7505937 Method and apparatus for implementing financial transactions  
A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second...
7505934 Computer support for valuing and trading securities that produce mostly tax-exempt income  
Computer machine, manufacture, methods of making and using the same, and product produced thereby, each pertaining to valuing, trading, and/or documenting securities that produce mostly tax-exempt...
7505933 System for accelerating Sarbanes-Oxley (SOX) compliance process for management of a company  
A system for accelerating Sarbanes-Oxley (SOX) compliance for management of a company is includes defining scope components needed for Sarbanes-Oxley compliance by the company, establishing...