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8353449 System controlled responsive to data bearing records and operative to cause financial transfers  
An automated banking machine operates responsive to data bearing records to cause financial transfers. The automated banking machine includes a card reader operative to data card read from user...
8355967 Personal finance integration system and method  
An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the...
8355977 System, method, and computer readable medium for allocating dividends to a block of common stock shares  
A system and a method for allocating dividends to stock shares are provided. The method includes creating a sub-class of a first stock share class. The method further includes allocating a first...
8355985 Systems and methods for providing enhanced account management services for multiple banks  
This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless...
8355971 System and method for processing payroll related insurance premiums  
A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required...
8355983 Method and system for vehicle finance credit analysis  
Assimilating data and applying reasoning mechanisms for matching a vehicle buyer's credit history, vehicle details, and vehicle deal structure details, to the purchasing guidelines of the most...
8356052 Analysis of third party networks  
A method of analyzing customer behavior, where customers are engaged in customer-to-customer transactions in a third-party network, includes a transformation of data representing the...
8355934 Systems and methods for prospecting business insurance customers  
Systems and methods are disclosed herein for identifying potential insurance prospects. The potential customers or prospects are identified by determining prospect underwriting affinity scores,...
8355969 Credit and/or debit card security  
A system and method of providing heightened debit and/or credit card security is presented. The debit and/or credit card may be void of any information printed on the card that may provide...
8352354 System and method for optimizing order execution  
An embodiment of the present invention provides computer-implemented methods and systems for optimizing the executing an order, such as trading orders. An order may be electronically routed to an...
8352340 Methods and systems for exercising stock options  
Methods and corresponding systems are provided for exercising employee stock options between an employee and a company. The stock option exercise generally includes the steps of establishing a...
8352107 Vehicle system for varied compliance benefits  
Exemplary methods, systems and components enable selective control of an operational mode for a vehicle that is subject to an administrative standard. In some instances a qualified person or entity...
8352351 Reducing accounting volatility and risk  
Memory storing terms of a contract for reducing accounting volatility and risk, the terms including specification of at least one measure of variation in a rate of return corresponding to a return...
8352365 System and method for electronic bill presentment using a third party  
A method and system for electronic bill presentment and payment using a third party intermediary is described. A third party provides an electronic post office that uses a virtual address directory...
8352350 Method and system for predictive event budgeting based on financial data from similarly situated consumers  
Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or mor...
8352346 Systems and methods for providing investment performance data to investors  
Systems and methods for generating a performance index are described. A rank score is generated for each investor relative to a group of investors of which the investor is a member. Generation of...
8352341 Method and system for managing workforce mobility within a business entity  
The present disclosure is directed toward incorporating corporate culture, change management, and employee morale concerns into a business facilities management process to ensure continuity of...
8352362 Secure authentication and payment system  
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals,...
8352293 Independent annuity placement system and method  
A system and method for facilitating annuity transactions between annuity purchasers and providers via an annuities placement program accessible to the purchasers and providers. Purchasers enter...
8352347 Investment classification and tracking system using diamond ratings  
The present invention is directed to an asset classification system based on investment strategy. The system determines a number for performance measures and strategy classifications. These...
8352339 Bankruptcy relief calculator  
Bankruptcy relief calculator. A calculation program can make a relatively objective determination as to whether to file for relief from a bankruptcy stay relative to a particular account and...
8352344 System and method for coalescing market data at a network device  
A network device coalesces data received from an exchange, and provides a user with the opportunity to receive fewer, but up-to-date, data updates from an exchange when duplicate prices become...
8352342 Method and system for determining fees for deposits allocated over a plurality of deposit institutions  
A method, system and program product, the method accessing, one or more electronic databases, comprising: aggregated account information for one or more FDIC-insured and interest-bearing aggregated...
8352349 System and method for optimizing a target date fund  
A method, article of manufacture, and computer program product are presented for generating a glide path for a target date fund comprising a growth asset and a reserve asset, where the glide path...
8352364 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages  
A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one...
8352356 System and method for quick quote configuration  
A method and system are described for providing a trader with the ability to quickly configure the quoting side of a trading tool, without experiencing the normal delays associated with...
8352343 Using commercial share of wallet to compile marketing company lists  
Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spendin...
8352294 Automatic income adjustment  
A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the...
8351063 Method and system for print job processing  
Print jobs received at a printer are assigned a reference which is incorporated as a representation of the reference in the printed print job. When the user recovers the printjob, the part of said...
8352353 Method and system for maintaining trading accounts  
Orders relating to a sale or purchase of securities are staged into an execution management system that includes a processor programmed to perform securities trading activities. Data describing the...
8352357 Method and system for improved online auction  
Methods and systems for improving auction-based online commerce are provided, including methods and systems for facilitating advance, rapid, accurate estimation of shipping costs between a seller...
8346577 Automation of auditing claims  
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file is received comprising one or more auditable items, each...
8346649 Methods and computer software applications for selecting securities for an investment portfolio  
Provided are methods and computer software applications for generating a stock portfolio, and/or enhanced stock index, through using a plurality of growth factors and a plurality of value factors...
8346642 Trading orders with decaying reserves  
In various embodiments, an apparatus includes a processor and a memory. The memory is communicatively coupled to the processor. The memory stores software instructions that, when executed by the...
8346665 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...
8346659 Secure authentication and payment system  
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals,...
8346644 Method and system for reconciling equity hedge funds  
A method and system for tracking the compliance of a portfolio account used to finance benefit obligations containing a plurality of assets distributed among at least one fund category, containing...
8346578 Systems and methods for using unmanned aerial vehicles  
Systems and methods to process overhead imagery received from overhead image sources are described herein. Examples include accessing an aerial image including a property, determining an owner of...
8346660 System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts  
A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is...
8346641 Method and system of aggregating consideration associated with a request  
In one embodiment, a method includes generating a request of an entity based on a set of attributes provided by an initiating patron of the entity using a processor of an initiator device. The...
8346656 System and method for displaying market information and order placement in an electronic trading environment  
A system and method are provided for displaying a trading screen and placing an order in an electronic trading environment. The system and method may be used to assist a trader in selecting an item...
8346643 Point of service third party financial management vehicle for the healthcare industry  
A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service...
8346640 Multi-account cash recycling  
A currency handling device such as a currency recycler, depository machine or a dispensing machine may provide users with the ability to access multiple accounts from the same device. Accordingly,...
8346568 Method and system for predictive bill estimation based on financial data from similar users  
A system and method for predictive bill estimation includes a process for predictive bill estimation whereby financial data associated with one or more “contributing consumers” is obtained from one...
8346658 Line of credit with pre-agreed line increases  
A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line...
8346579 Systems and methods for supporting extended pay date options on an insurance policy  
A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly...
8346647 Systems and methods relating to bond liquidity  
In one aspect, an embodiment comprises a computer system comprising: (a) a computer readable memory that stores price information for a plurality of bonds; and (b) a processor unit that calculates...
8346638 Systems and methods for processing transaction data to perform a merchant chargeback  
Systems and methods consistent with the present invention may be used as part of determining whether to chargeback a purchase transaction amount to a merchant. To this end, the system may...
8346637 System and method for providing recovery for victims of check fraud  
A method for a consumer to protect against loss associated with specified forms of check fraud. Upon purchasing checks, a consumer can subscribe to a check fraud protection program, for an...
8346639 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...