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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...
8744915 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...
8744964 Methods and systems for managing transaction card accounts  
A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined...
8744948 Mobile data import for a financial return  
A method for obtaining financial data for use in a financial return of a tax paying entity, including: obtaining credentials of the tax paying entity; determining, by a computer processor, that the...
8744956 Systems and methods for permission arbitrated transaction services  
Systems and methods disclosed enable a permitting party to share credit data and/or personal information with a receiving party, such as an individual with whom the permitting party has established...
8744962 Systems and methods for automatic payment plan  
Funding source data, such as bank account information or credit card information, associated with a user is stored in an enterprise-wide database maintained by an institution, such as a financial...
8744944 Using commercial share of wallet to make lending decisions  
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...
8744939 Methods for implementing a loyalty program  
A method of rewarding loyalty of a user may include providing a personal terminal to the user, detecting whether the personal terminal is within proximity of an interaction terminal, and based at...
8744899 Systems and methods for migrating customers to alternative financial products  
Systems and methods for migrating customers to alternative financial products are provided. A set of customers of a financial institution may be identified by a financial system that includes one...
8744941 Methods and systems for providing a decision making platform  
A method for enriching the data associated with financial transaction card transactions using a computer system is described. The method includes receiving financial transaction data from a...
8744943 Displaying values specified in a number of offers for a number of offer variables with respect to price  
A method for displaying values specified in a number of offers for a number of offer variables with respect to price includes receiving data for multiple offers that reflects values specified in...
8740617 Methods, systems, kits and computer usable media for simulating financial transactions  
A method of teaching personal financial skills to a student includes providing a balance of simulated funds within a simulated bank account. Simulated bills are transmitted to a student on a...