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8751393 System and method for interactive virtual banking  
Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating...
8751376 Financial instrument having credit and pre-paid characteristics  
Embodiments of the present invention provide for methods and systems for providing a financial instrument that possesses both credit features (secured and unsecured) and prepaid features. When a...
8751391 System and process for performing purchase transactions using tokens  
The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the...
8751343 Process and apparatus for video game development  
In an embodiment, apparatus and methods for video games permit obtaining funding for developing game environments. A variety of possible funding sources are possible, such as venture capital, the...
8751347 Payment entity device transaction processing using multiple payment methods  
A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method...
8751386 Impulse donation/buy without risk method  
A method and system are disclosed for enabling a subscriber to a service provider to purchase goods or make donations to a third-party unaffiliated with the service provider. The system generates...
8751389 Method and system to process payment using SMS messaging and a mobile-optimized web form  
Provided is a method and system for processing payment/information, including receiving, by an electronic circuit of a mobile communication device, a payment/information processing statement for a...
8752167 Content management device and content management method  
A content management device, includes: a folder level access control information storage unit configured to store folder level access control information indicating access rights of a user to a...
8751354 Methods and systems for comparing stocks  
An instrument and system for consistent and objective comparison of stock exchange listed stocks, regardless of geographical market, business activity and trading currency is provided. The...
8751401 System and method for securely authorizing and distributing stored-value card data  
A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a...
8751358 System and method for automated order entry on short queues  
Orders are automatically sent to the market when certain user defined conditions are met. In particular, a trader can configure the trading application to automatically send orders for preset...
8751357 Investment performance measurement  
Embodiments of the invention are directed to a system, method, or computer program product for evaluating risk adjusted performance of an investment portfolio. This invention may be applied to any...
8751374 System, method, and apparatus for managing wastewater treatment installation  
Apparatus for managing a residential wastewater treatment system includes an in situ control unit that monitors an individual system. The control unit provides local control and alarms, and also...
8751380 System and method for managing merchant-consumer interactions  
A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account...
8751369 System and method for changing order priority levels in an electronic trading environment  
A system and method for fee-based order priority level modification in an electronic trading environment are described. When an order reaches an exchange, a priority level of the order may be...
8751345 Systems and methods for retirement asset distribution  
A method for distributing retirement assets includes providing a processor and receiving an after-tax cash flow target value for a period for an individual. The method also includes receiving a...
8751315 Using a mobile device as a point of sale terminal  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8751385 Financial email  
A user interface hosted by a financial institution. The user interface is accessible via a communication network by a first user using a client device and includes at least one first screen for...
8751396 Financial instrument having loan proceeds and pre-paid characteristics  
Financial methods and systems for using a financial instrument are disclosed. A financial account includes both a loan balance portion and a pre-paid cash balance portion. The loan balance portion...
8751341 Financial instrument management using object differentiation  
Object differentiation used in the context of complex financial instruments and financial instrument management software is described. A computer-implemented method for the management of complex...
8751346 Interactive financial tool  
Discussed herein is an evaluation and scoring system that may be used to quickly assess and guide financial decisions, facilitate or create communities of interest, and assist in accessing markets...
8751398 Preventing an unauthorized card transaction  
An approach for preventing unauthorized card transactions is presented. An authorization record including an authorized geographic location and an authorized period of time is received from a...
8751375 Event processing for detection of suspicious financial activity  
Event processing for suspicious activity detection is disclosed. Financial events can be detected by receiving data from a plurality of detection channels. The data can optionally be enriched by...
8751342 Identifying potential customers using payment information  
Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed,...
8751399 Multi-channel data driven, real-time anti-money laundering system for electronic payment cards  
Electronic payment card money laundering detection includes receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system...
8751309 Targeted communication between promoters and consumers  
Techniques for distributing messages to consumers on behalf of promoters. In some embodiments, once a message is provided to a message distribution system to be distributed to consumers on behalf...
8751361 Hedging risks associated with variable priced orders for derivative financial products  
Systems and methods are provided for executing a hedge transaction in connection with the execution of a derivative product order in which the price of the derivative product is defined by one or...
8751353 Breakout indexes  
Methods and systems for calculating values for indexes based on breakout currencies are provided. A prospective breakout index may be formed before an entity breaks out of a monetary union. Other...
8751367 Zero coupon conversion factor calculation  
The disclosed embodiments relate to a system which calculates a conversion factor (CF) based upon a zero percent (0%) futures contract standard. The zero percent futures contract standard may be...
8751340 Check destruction tracking and reconstruction  
A method for check destruction tracking and reconstruction relates to tracking the destruction of financial institution items, such as paper checks. The method includes transferring the financial...
8751468 Computer system and computerized method for processing account data  
The present invention is embodied in an online-like transaction processing method and system for processing account information contained in batch process files, the method including: reading at...
8751387 Payment application framework  
Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a...
8751344 System permitting funded actions in a video game  
Processes and products according to embodiments of the invention include video games with the possibility to obtain funding, such as through venture capital or the issuance of private shares among...
8751351 Systems and methods for providing a marketplace of goods subject to distressed financial obligations  
Systems and methods for a financial institution to compile information regarding customer loans and items/assets securing the loans to create an environment in which troubled debtors may place an...
8751339 Method of accessing exact OTC ISDA type overnight indexed swap exposures within an electronic futures exchange environment  
A set of linked methods allows one to access derivative products (other than traditional futures and options) within an electronic futures exchange. In an embodiment of the invention, exchange...
8751349 Audio-equipped transaction card systems and approaches  
Approaches for implementing transactions involve audio-equipped transaction cards that reduce both data-management and costs. Certain applications facilitate loyalty to the business entity that...
8744877 Methods and systems for providing GMWB hedging and GMDB reinsurance  
In one aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized...
8744963 Method for transferring an amount to be paid  
A method for transferring an amount to be paid is provided. The method includes searching for available wireless devices and selecting a payee via input provided through one of the available...
8744966 Real-time mobile wallet server  
Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal...
8744953 System and method for icon oriented representation of trading strategies  
A system and method for visually establishing a trading strategy are described. According to one method, a trader can position a first icon corresponding to a first order and a second icon...
8744950 Method and interface for consolidating price levels on a trading screen  
A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and...
8744888 Resource allocation management  
In accordance with aspects of the disclosure, a system and methods are provided for managing resource allocation by generating a finance-investment plan relative to one or more time intervals while...
8744967 Method for authenticating financial transaction requests using a website or web portal  
A method for authenticating a financial transaction request includes receiving first information where the first information includes first party identifying information, and a unique pseudorandom...
8744921 Exchanging value between a service buyer and a service provider  
Described herein is technology for, among other things, exchanging value between a service buyer and a service provider. The technology involves establishing a virtual funds account associated with...
8744942 Method, system and computer program product for managing funds in custodial deposit accounts  
A method, system and computer program product for managing aggregate funds held in a custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the...
8744932 Custodial inventory process optimization  
Herein described is a computer based system, a computer-readable storage media, and a method for optimizing the amount of currency transferred to a custodial inventory vault of a depository...
8744881 Systems and methods for purchasing insurance  
Systems and methods related to an online website wherein businesses seeking insurance can obtain quotations and be connected to a plurality of insurance providers are described herein. In some...
8744938 Secure single-use transaction numbers  
Methods for producing and applications for single-use transaction numbers. The transaction numbers are single-use in that the numbers are only valid for a single transaction. The transaction...
8744937 Consistent set of interfaces derived from a business object model  
A business object model, which reflects data that used during a given business transaction, is utilized to generate interfaces This business object model facilitates commercial transactions by...
8744936 Billing method and device in a cellular packet radiocommunication network  
This invention proposes a method to obtain the cost of transmitting a set of data from a transmitting means (2, 3, 16) to a receiving means (2, 3, 16) via a network (4), which consists of creating...