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8738493 Instantaneous merchant information retrieval for financial transactions  
A solution to resolve ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and...
8737993 Systems and methods for providing voice/data communication systems and voice/data communications  
System and method for selling, configuring, installing, reconfiguring and servicing integrated voice/data communications systems are disclosed. An Internet/web based portal is provided to enable a...
8738455 Systems and methods to determine a value relating to a post  
Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to...
8738484 Discretionary order in an electronic guaranteed entitlement environment  
An enhanced system and method for handling, matching and executing discretionary orders in an electronic options environment is disclosed. Market maker entitlements are integrated with the...
8738775 Managing resource dependent workflows  
Systems and method for the management of resource dependent workflows are provided. One or more resource control devices monitor usage of a computing resource by server computing devices. Each...
8738494 End user generated billing cycles  
The present invention provides a method for electronically splitting an original billing cycle into at least two billing cycles in an account by electronically changing the debiting timeframe of...
8738496 Prepaid short messaging  
A prepaid messaging solution that uses open networking standards and supports pre-payment of enhanced Internet messaging services. The prepaid messaging solution accurately determines if a...
8738508 Order risk management for financial product processing  
Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum...
8738452 Processing separate items via a single retailer action  
A method, system, and medium are provided for processing multiple items for retail sale via a single retailer action. Upon scanning a machine-readable marking that is associated with multiple items...
8738503 Multiple coupon interest rate futures contracts  
The disclosed system makes available multiple interest rate futures contracts (“IRFC”) for a given set of interest rate securities, such as US Treasury Notes, which may be used to satisfy the del...
8738489 Managing schedules in a financial close management system  
A computer-readable medium, computer-implemented method, and financial close management system are provided that manage a schedule. A schedule is a core object of the financial close management...
8738521 Method and system for processing internet payments using the electronic funds transfer network  
Embodiments of the invention include a method and system for conducting financial transactions over a payment network. The method may include associating a payment address of an account with an...
8733633 Methods and systems for validating negotiable instruments  
Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second...
8738491 System, method, and business method for settling micropayment transactions to a pre-paid instrument  
The invention provides a method for conducting a transaction between a first and second consumer, and a merchant using one or more electronic communication devices. The method includes issuing a...
8738485 Contactless prepaid product for transit fare collection  
Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline...
8738513 Apparatus and method for managing account information  
A method includes receiving account information associated with a user. The account information includes an electronic mail (“email”) address associated with the user. The method also includes sto...
8738407 Computer readable medium containing a set of computer readable instructions for grid-based insurance rating  
A computer readable medium containing a set of computer readable instructions that when loaded into a computer configure that computer to: receive demographic data, fire station data, or other data...
8738505 Method and apparatus for providing order queue information  
A system and method for providing market information are disclosed. In this application, updates are received for a tradeable object at a price level from at least one exchange. To the extent that...
8738492 Displaying status of and facilitating compliance with regulatory requirements related to municipal bonds  
The disclosure relates to an integrated platform for obtaining and managing information and documents relating to regulatory compliance, determining compliance obligations and compliance actions,...
8738488 Method for business on-line account opening with early warning system  
A method for a business customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities...
8738487 Apparatus and method for processing data  
Methods and apparatus for processing data. The apparatus includes a plurality of entry systems for receiving the data from a respective plurality of contributors which each formulate the data based...
8738519 Waiver decisioning  
A system and method of identifying one or more waivers for waiving a fee associated with an account of a customer at a financial institution. The system and method may include identifying, based...
8738504 System and method for event-based trading  
A system and method for news-based trading are developed. According to one method, a trader can pre-define a trading strategy including a number of trading rules to be applied based on a comparison...
8738525 Method and system for processing vehicular violations  
A method includes receiving paper comprising information regarding a vehicular violation, the information comprising a unique vehicle identifier and a violation classification, extracting from the...
8738405 Method for reimbursement from pre-tax spending accounts  
A payment system for spending accounts is provided. The payment system includes a qualified vendor system, such as a point of sale system at a doctor's office, that generates purchase data and...
8738486 Methods and apparatus for implementing an ensemble merchant prediction system  
A computer-based method for discovering patterns in financial transaction card transaction data for the purpose of determining group membership of a merchant within the transaction data is...
8738497 System and method for automatic repositioning of market information in a graphical user interface  
A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may...
8738408 Methods for grid-based rating insurance products using a programmed computer system  
A method for rating insurance products using a programmed computer system comprising: receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target...
8738451 System, program product, and method for debit card and checking account autodraw  
A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes...
8738490 System and method for multi-factor modeling, analysis and margining of credit default swaps for risk offset  
A method for determining a margin requirement associated with a plurality of financial instruments within a portfolio is disclosed. The method includes receiving a plurality of data associated with...
8738404 System and method for processing an insured property loss  
Disclosed are systems and methods for processing an insured property loss. The systems and methods communicate with an insured property owner and process an insured property loss of the insured...
8732058 Methods and systems for combining securities and carbon credits  
Systems and methods are provided for reducing or neutralizing a carbon footprint of a security using carbon credit. At least one security that is excluded from an investment fund may be determined....
8732055 Method and system for performing a financial rewind  
A computing device of a user, including a processor, a memory, an electronic organization application comprising software instructions stored in memory and executed on the processor to store a...
8732050 Stochastic control system and method for multi period consumption with goal satisfaction reporting  
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...
8732063 Method and system for identifying high probability trade matches  
Methods and Systems for routing an indication of interest message are provided in which one or more external trade messaging systems are monitored to discover and collect information related to a...
8732045 Instant credit card marketing system  
According to some embodiments described in the disclosure, methods and systems are provided for offering a line of credit to a customer. In one example, information is generated about a customer...
8732059 Method and system for building an investment portfolio  
Methods and systems are disclosed that enable the leveraging of financial instrument research at an individual financial instrument level but across multiple classifications of financial...
8732071 Systems and methods regarding targeted dissemination  
One exemplary aspect comprises a computer-implemented method comprising: (a) electronically receiving, from a first securities market participant, data including information related to a first...
8732048 Automated trading system in an electronic trading exchange  
An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders and/or quotes to an exchange site. The automated trading system...
8732047 System and method for contract execution against expressive contracts  
In a computer-implemented method of contract execution, data about contracts is stored in a computer storage accessible to a processor of a computer along with data about a procurement plan and...
8732042 Mobile data mapping system and method  
Embodiments of the invention are related to systems and methods for analyzing transaction data for mobile merchant transactions, and generating a message based on the analysis. Transaction data for...
8732052 Generating financial reports  
In some embodiments, a method for generating financial reports, includes selecting a first request from a plurality of pending requests. The first request requests a report on information regarding...
8732077 Notification of alternative payment channel  
Systems, methods, and computer program products are defined for notifying customers, post-transaction of the ability to change payment form for the just completed transaction. In addition, the...
8732090 Optimizing procurement spend compliance  
Managing spend compliance may include receiving a set of spend transaction records containing one or more spend attributes, one or more compliance business rules and one or more investment...
8732046 Method and system for creating data for business rigor measurement and management of capacity, cost and risk  
A method for managing business rigor for a financial institution includes receiving business rigor data based on activities to implement a plurality of core products. A performance table, unit cost...
8732074 Intelligent collections models  
Apparatuses, computer media, and methods for analyzing credit and tax form data and determining a collection treatment type to collect revenue. A collections model is constructed to determine a...
8732080 System and method for executing a financial transaction  
A computer-implemented system and method for processing one or more second transactions. The system and method provides for storage of customizable business rules, which are set by a user. Upon...
8732082 System and method for executing an electronic payment  
A computer-implemented system and method for processing an electronic payment. The system and method provides for storage of at least one customizable business rule, which is set by a user, a...
8732051 Device, system, and method of generating a customized trade article  
Some embodiments include devices, systems and/or methods of generating a customized trade article. In one embodiment, a trade-article generator application is to receive trade information including...
8732044 Electronic transaction apparatus and method  
One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner). The file includes data specifying a...