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8706602 Finance and configuration method and apparatus  
A method and apparatus for automatically evaluating financing plans are presented. In one embodiment, a method for automatically evaluating financing plans comprises receiving an input message...
8706614 Systems and methods for automated political risk management  
According to some embodiments, a computer-implemented method to facilitate management of risk related to political exposure associated with a financial transaction may comprise receiving financial...
8706588 System and method of provisioning confidential information via a mobile device  
A method of provisioning confidential information to a target device is provided. The method comprises a mobile device wirelessly transmitting using a public land mobile network a message to...
8706524 Health plan management method and apparatus  
Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one...
8706601 Computer-based system for computing sensitivities of a behaviorally path-dependent financial product value  
A computer-based system including: a memory unit configured to store computer readable instructions, path-dependent behavioral assumptions, and economic variables; and a processor configured to...
8706603 System and method for making positions held by a trader fungible  
Positions held by a trader are made fungible by selecting a first position in a first futures contract that is deliverable and selecting a second position in a second futures contract, wherein the...
8706577 Payment system  
Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants....
8706545 Variable learning rate automated decisioning  
Methods and related system are described for making decisions. A described method includes selecting a choice from the available choices, receiving an outcome relating to the selected choice, and...
8706595 Flexible premium income annuity system and method  
A computerized method and system for providing a flexible income annuity includes inputting a plurality of premium payments for the income annuity from an investor, the flexible premium payments...
8706597 Interactive user interface for input of forecasts and risk priorities and display of related strategies in a trading system  
A system for inputting a forecast and/or a risk priority and displaying an associated strategy for a trading system comprises a processor and a memory. The processor is configured to receive an...
8706579 Interactive account management system and method  
Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders....
8706599 System and method of generating investment criteria for an investment vehicle that includes a pool of escrow deposits from a plurality of merger and acquisition transactions  
An automated method is provided for generating investment criteria for an investment vehicle that includes a pool of escrow deposits from a plurality of merger and acquisition transactions. An...
8706587 Statistical prioritization and detection of potential financial crime events  
Systems and methods for calculating financial crimes ratings for banking entities are provided. High risk transaction data for a plurality of similarly situated banking entities is collected. The...
8706590 Providing value exchange in connection with financial institution recommendations and offers  
Systems, methods, and computer program products are provided for presenting value exchange in conjunction with financial solution recommendations or offers. The value component, is not limited to...
8706629 Deposit for entity associated non-account holders  
Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual...
8706592 Online mortgage approval and settlement system and method therefor  
A method for automatically fulfilling lending conditions includes the steps of maintaining a database of a plurality of registered service providers, receiving a loan application having one or more...
8706630 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...
8700470 Comparison shop ad units  
Merchants create ecommerce-enabled ad units advertising items offered by the merchants. The ad units contain functionality enabling customers to purchase the items by interacting with the ad units....
8700507 Payer-based account porting to portable value distribution systems and methods  
A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the...
8700529 Mutual fund card method and system  
A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the...
8700530 Systems and methods to process user initiated transactions  
Systems and methods are provided to process transactions initiated by users of mobile devices. In one aspect, a system includes a data storage facility to store phone numbers of users, and an...
8700528 Systems and methods for retrieving and modifying data records for rating and billing purposes  
An operational support system includes a data collection unit and a number of network devices that are associated with various telecommunications services. The data collection unit retrieves raw...
8700519 System and method for correlating a seller's insurance claim with a buyer's complaint  
A method and a system for maintaining a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer are described. A claim...
8700515 Security-to-entity crosswalk  
A security-to-entity crosswalk system and method link business entity information to financial security information to provide risk insight about the business entity associated with a given...
8700509 Collectively analyzing holdings across multiple fixed income products  
Systems, methods, and computer-readable mediums (i.e., utilities) for use in enabling corporate treasurers, money managers, and other investors to view and analyze consolidated credit risk on...
8700511 Control device, charge storage system, control method, and computer program  
In an electric power storage system connected to a commercial power system, a controller includes a deterioration price holding unit that holds discharge costs in association with depths of...
8700514 Method and system for managing financial instruments based on playing a game  
A method and a system is disclosed for creating and managing financial instruments, which may be designed to increase the risk-adjusted return of investment portfolios and other collections of...
8700510 Redirecting or returning international credit transfers  
Redirecting or returning international credit transfers is described. In one embodiment a system for redirecting or returning international credits is described including a gateway operator that...
8700485 User authentication in an auction system  
A method and system for authenticating users while conducting an auction via a computer system. The system can automatically authenticate users who have previously registered with the auction...
8700508 Systems and methods for providing spending information and budgeting recommendations to students  
Systems and methods are provided for electronically providing spending information and budgeting recommendations to a student of an educational institution. The systems and methods comprise...
8700512 Financial planning based on contextual data  
A financial planning system uses contextual data about a user to help create and modify a financial plan to achieve a financial goal. Financial goals can include money saving goals, investment...
8700522 Loan portfolio management tool  
A loan portfolio manager system is provided to predict and prioritize loans at risk of default and foreclosure. The loan portfolio manager system may analyze the loans at risk to determine which of...
8700412 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...
8700527 Merchant bill pay  
Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer....
8700521 System and method for managing and evaluating network commodities purchasing  
To disaggregate a single combined price of a bundled product, a computer receives a price data set comprised of component parts that correspond to the component parts of the bundled product. At...
8700513 Authentication of a data card using a transit verification value  
Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string...
8700516 Methods and apparatus for improving factor risk model responsiveness  
Construction of factor risk models that better predict the future volatility of returns of a portfolio of securities such as stocks, bonds, or the like is addressed. More specifically, improved...
8700523 System and method for delegating management of a financial transaction account to a designated assistant  
Systems, methods and computer program products for enabling a holder of a transaction account linked to a financial transaction instrument to delegate management of the transaction account to an...
8700520 Cross-currency implied spreads  
The disclosed systems and methods relate to allowing trading of over the counter (“OTC”) foreign exchange (“FX”) contracts on a centralized matching and clearing mechanism, such as that of the Chi...
8694405 System and method of visual representation of stock exchange transactions  
System and method of visual representation of stock exchange transactions which provide additional information for traders when it comes to taking buy/sell decisions for stocks, being oriented...
8694400 Managing operational throughput for shared resources  
Usage of shared resources can be managed by enabling users to obtain different types of guarantees at different times for various types and/or levels of resource capacity. A user can select to have...
8694399 Pricing mortgage-backed securities  
Systems, methods and computer program products stored on a computer readable medium or media are described for providing pricing of mortgage-backed securities and other financial instruments....
8694402 Using accounting data based indexing to create a low volatility portfolio of financial objects  
A system, method and computer program product creates an index based on accounting data, or a portfolio of financial objects based on the index where the portfolio is weighted according to...
8694401 Systems and methods for using online social footprint for affecting lending performance and credit scoring  
Provided are apparatuses, computer media, and methods for analyzing data gathered from the online social footprint and determining a credit score to facilitate access to financial services. A...
8694412 Hybrid auctions and methods and systems for conducting same over a computer network  
A two phase auction for an item includes a first phase in which an asking price for the item decreases at predetermined intervals when the auction is a seller's auction and increases at...
8694393 System and method for reconciling one or more financial transactions  
A system, method and computer program product for reconciling one or more financial transactions of one or more business units. The method includes capturing transaction data from the financial...
8694420 System and method for outputting a credit risk report based on debit data  
An apparatus and method for utilizing debit data to report credit risk, the apparatus having an inquiry server, a credit database, a debit database and a scorecard database. The inquiry server...
8694397 Consistent set of interfaces derived from a business object model  
Methods and systems consistent with the present invention provide a data processing system having a business object model reflecting the data used during a business transaction. Consistent...
8694430 Information processing device, information processing method, program and storage medium  
Provided is an information processing device which enables a user to always and easily recognize an amount to be paid by the user, which results in a reduction of the burden imposed on the user. A...
8694432 Dual-activation financial products  
A system operating in conjunction with a financial account permits joint activation of a card associated with the financial account. An event-detection module detects an event related to the card...