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7478063 Stock trading application program  
A stock trading application program which executes within an Internet browser is provided for capturing user specified subjective information concerning user rationale and logic for purchasing or...
7478062 Financial management system and method  
A system and method of performing financial management tracking comprising entering, on a mobile control device, data associated with a financial transaction; storing said entered financial...
7478061 Automated audit process  
A process for increasing profits of a business engaged in the purchase of large numbers of products and/or products of volatile pricing from numerous vendors that operates to identify pricing...
7478057 Method for conducting an electronic commercial transaction  
A method for conducting an e-commerce transaction between a user and a merchant is disclosed. The user has a customer account with a communication provider operating a first communication network....
7475102 Random number generation method based on multivariate non-normal distribution, parameter estimation method thereof, and application to simulation of financial field and semiconductor ion implantation  
Random number generating method for generating random numbers in accordance with multivariate non-normal distributions based on the Yuan and Bentler method I on computer. The method includes...
7475038 System and methods for disclosing transaction information to customers  
A method of disclosing transaction information to customers includes receiving at a host computer system a file comprising processing information. The processing information comprises a plurality...
7475037 Guaranteed negotiation system and method  
A system and method for facilitating the negotiation of credits. The bank issuing the credit and a nominated bank agree to program conditions pursuant to which the nominated bank, based upon its...
7475034 Process for determining an auction methodology  
A computer data processing system executing a method for selecting an auction methodology for a buyer/supplier procurement process, wherein the method comprises determining an auction scope in the...
7475032 Systems and methods for creating financial advice applications  
The present invention is a computer-implemented system and method for easily configuring new financial advice applications from various services and sub-applications in order to deliver consistent...
7474904 Device for acquiring and transferring data concerning payment means to a banking institution  
A device acquires information relating to payment particulars and for transfer of this information to a server center of a banking organization. The device includes an apparatus for reading the...
7472098 System and method for execution of trades made pursuant to stock option and purchase plans  
A system and method for inquiry of option and/or stock status and for processing trades made pursuant to stock option and purchase plans is provided. Participant information is stored and...
7472090 Method and system for providing a higher credit limit to a customer  
According to one embodiment of the invention, a method for providing a higher credit limit to a credit customer is provided. The method includes opening a credit account for a customer. The method...
7472088 System and method for offering a financial product  
A system and method for offering a financial product to a customer in real-time while the customer is conducting a transaction over a network. In response to received identification information...
7472087 Trading program for interacting with market programs on a platform  
A trading process having a trading methodology selected by a user is operative to interact with market processes having respective market methodologies. The trading process and the market processes...
7472085 Apparatus and method for data interchange  
An apparatus and method for data interchange provides a universal transaction mechanism for translating and sharing data, particularly financial data, thereby streamlining the exchange of financial...
7472084 Method and apparatus for creating and managing a visual representation of a portfolio and determining an efficient allocation  
The invention provides a method and device for creating a holistic representation of a portfolio. The model graphs diversification and explains diversification as symmetry. The model can facilitate...
7472083 Document exchange  
In an e-commerce context, a method and system are provided for exchanging documents in transactions between partners. The partners are joined in an exchange network and are communicating with each...
7469227 Retail lending risk related scenario generation  
Generation of risk-related retail lending portfolio scenarios is disclosed. A selected functional form is used to decompose vintage performance data into a maturation component, an exogenous...
7469225 Refinancing model  
A method for modeling a current expected prepayment spread for a mortgage-backed security (MBS) as a function of a current refinance activity is disclosed. According to various embodiments, the...
7469224 Real-time point-of-sale change-of-address processing  
The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus,...
7469223 Index selection method  
A method for forming an index in which a universe of N instruments is initially defined. In a second step, a covariance matrix is assigned to the universe. In a third step, one of the instruments...
7467112 Method for listing a futures contract that physically settles into a swap  
According to some embodiments, a futures contract is listed on a futures trading exchange. The futures contract physically settles upon expiration into a reference swap. The reference swap is...
7467110 Method for market making  
A preferred embodiment of the subject invention automates the market making process for currency trading. When a quote request for a currency is received from a client (preferably over a computer...
7467109 System and method for determining eligibility and enrolling members in various programs  
A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in...
7467108 System and method for predicting security price movements using financial news  
A method of creating a price prediction model that forecasts short-term price fluctuations in financial instruments by collecting, analyzing and classifying financial news for a financial...
7467107 Web-based system and method for hedge fund compliance  
A computer-based method for facilitating hedge fund compliance is disclosed. The method includes receiving input data descriptive of one or more aspects of a hedge fund management operation,...
7467106 System and method for offer management  
A method for offer management may comprise: providing a plurality of offers for targeting at a plurality of accounts based on a plurality of business rules; prioritizing the plurality of offers;...
7467105 Price calculator  
A method is provided for calculating a price of a financial instrument that includes obtaining parameters of the financial instrument from a financial database of transactions and determining the...
7464859 Reimbursement process and processor for conducting a financial transaction  
A purchase account is issued without association to a reimbursement account. The purchase account is registered, forming an association with the reimbursement account for reimbursement...
7464053 Buyer-driven purchasing loyalty system and method using an electronic network  
Disclosed is a method and system for effectuating a buyer-driven and buyer-executed commerce system. The system allows prospective buyers and sellers of goods and services to anonymously exchange...
7464052 Portfolio accounting and risk management system  
A method and system for managing investment portfolio risk on a computer system. A plurality of parameters, including an identifier, a market price, a stop-loss price, a commission, a skid, and a...
7461775 Apparatus and methods for processing misread or miskeyed magnetic indicia  
The present invention is directed to methods and apparatus for processing check data, such as data stored using magnetic indicia. In one embodiment, a check transaction processing system receives...
7461027 Basket creation process for actively managed ETF that does not reveal all of the underlying fund securities  
Methods and apparatus are provided to administer an actively managed investment company that invests assets in fixed income securities. The investment company issues one or more classes of shares...
7461025 Driver amount and count selection processing for financial processing in a relational database management system  
A Value Analyzer system is a data-driven computer-facilitated financial model that provides accurate and consistent profitability calculations using account and event data stored in a relational...
7461023 Price charting system and technique  
The invention is directed to a market price charting method for displaying both current and historical price activity in terms of valuation rather than absolute price. The invention allows users to...
7461021 Method of ascertaining an efficient frontier for tax-sensitive investors  
There are computerized processes for financial planning for individuals and groups whose financial portfolio would be subject to tax on certain events. But these processes do not take into account...
7457776 Systems and methods for providing a combination financial product  
The present invention relates to systems and methods for administering combination annuity products and to combination annuity products themselves. Certain embodiments of the invention can be used...
7457775 System and method for selecting securities for investment  
A system and method for automated selection of securities within an index for purchase or sale. The system and method according to certain embodiments of the present invention select securities...
7457774 Dynamic reallocation hedge accounting  
A hedged exposure and an associated hedging instrument can be accounted for to reduce periodic earnings volatility associated with the hedged exposure. The accounting to reduce the earnings...
7457773 Method and system for generating a calendar with a variable definition of days  
Embodiments of the present invention relate to a method and system for generating a calendar comprising a variable definition of days. The variable definition of days may correspond to an...
7454383 Methods and systems for assessing loan portfolios  
Methods and systems for assessing a loan portfolio for variance are described. In an example embodiment, the method comprises the steps of identifying a milestone for at least one loan in the...
7454382 System and method for holding and sending an order to a matching engine  
A user can submit an order to buy or sell a tradeable object, only the order does not get sent to the matching engine. Instead, the order is placed in temporary storage and it is displayed to the...
7454379 Process for comprehensive financial and estate planning  
A process for generating a financial and liquidity estate plan for a client and defining a life insurance product for use therewith. The process includes determining the client's assets and...
7454376 Online investment trust creation and management  
A system and method for creating and administering trusts over the Internet. A grantor accesses a website over the Internet that is served by a trust account administration server. The server...
7454375 Computer readable medium for accelerating Sarbanes-Oxley (SOX) compliance process for management of a company  
Computer readable medium for performing a method for accelerating Sarbanes-Oxley (SOX) compliance for management of a company includes defining scope components needed for Sarbanes-Oxley compliance...
7454374 Method for evaluating a forward-buy opportunity  
A method for evaluating a forward-buy opportunity relating to a product set is provided. At the outset, an incremental forward buy quantity for each product in the product set is initialized to a...
7454373 System and method for providing automated database assistance to financial service operators  
A financial customer support system provides an integrated gateway to a service operator fielding financial service calls via a call center or other facility. Service attendants taking calls via an...
7454372 Market event alerts and user access to monitoring data  
A method of detecting alert conditions includes receiving an electronic market event message for a new quote from a market participant, requesting a previous quote for the items, and determining...
7451114 Conducting commerce between individuals  
Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a...
7451113 Card management system and method  
A method of registering a credit card user's credit card information by a credit card management organization. A card user accesses the card management computer system in a computer network. The...