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8725627 Multiple loan payment option sales tool  
A multiple option loan presentation apparatus and method allows a loan agent to communicate a non-traditional loan product to a customer. Non-traditional mortgage products such as pick-a-payment...
8725622 System and method for conducting electronic auctions with multi-parameter optimal bidding  
An auction methodology wherein the auction competition among the bidders is generated by allowing each bidder to bid for non-price bid parameters (e.g., lead time, labor rate, contract length,...
8725610 System and method for managing privacy for offerings  
Methods, systems, and articles of manufacture consistent with the present invention provide for managing privacy in a data processing system having an offering platform. A privacy policy is mapped...
8725624 Computerized investment product  
A computer implemented investment product includes data stored on one or more computers that corresponds to a notional performance portfolio of assets. The notional performance portfolio includes:...
8725563 System and method for searching media assets  
A search engine, system and method for locating and rating a plurality of electronic mentions of respective ones of a plurality of brands. The engine, system and method includes a web crawl engine...
8725616 Method for managing a home equity sales program  
A system and method for conducting a home equity sales (HES) program enables a real estate property owner to sell a partial equity ownership interest in a real estate property. This allows the...
8725609 System and method for intraday netting payment finality with supplemental funding  
A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send...
8725618 System and method for de-risking a pension fund  
A system for de-risking a pension fund, the system including: an input module for receiving asset class forecasts; a modeling module for modeling a plurality of portfolios based on the asset class...
8725612 Personalized real-time location-based travel management  
A personalized real-time location-based travel management method, the method including the steps of (a) defining a departure point and a destination for multimodal travel,(b) computing in an IT...
8725641 Automated teller machine with virtual bank sharing  
An automated teller machine (ATM) which includes a plurality of peripherals including a user interface for interacting with a user providing user information; a plurality of virtual automated...
8725621 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 to an exchange site. The automated trading system determines whether an...
8725637 Methods and systems for generating invoices  
This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer...
8725544 System and method for processing work products for vehicles via the world wide web  
A method and system for receiving data relating to an insurance claim for a damaged vehicle and transmitting a valuation report for the damaged vehicle over the world wide web. The system includes...
8725605 Method and system for managing service accounts  
Systems consistent with the present invention provide financial account management services for user service accounts. Such systems receive requests from users to register with a trusted...
8725611 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: determining a designated event using the programmed computer processor; determining parameters associated with...
8725607 Electronic payment clearing and check image exchange systems and methods  
A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic...
8725617 Systems and methods for facilitating aggregation of social credits  
Various embodiments are directed to systems and methods for facilitating the aggregation of carbon reduction credits resulting from finance loans financing the purchase of energy technology. For...
8725635 Online payment system and method  
System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a...
8725606 Term note paired with a money market note  
There is provided an arrangement for a money market note and a term note. The arrangement includes (1) a provision for crediting (a) a collection to (b) principal of the money market note, if the...
8725619 Fair value model based system, method, and computer program product for valuing foreign-based securities in a mutual fund  
A system for determining fair value prices of financial securities of international markets includes selecting a universe of securities of a particular international market, computing overnight...
8725747 Filtering of custom attributes of computer objects for display  
A computer-readable medium, computer-implemented method, and system are provided for filtering of custom attributes. A custom attribute is an attribute of an object defined by a user. Once a user...
8725613 Systems and methods for early account score and notification  
The embodiments illustrated herein provide systems and methods for predicting or identifying early life account fraud at a point-in-time within existing account portfolios. The identity-level...
8725630 Method of processing a phone call  
A method of processing a phone call, the method including: from a trunk interface, receiving an inbound communication from which a number is detected, the number sufficient to identify a location...
8725626 Method, device and system for automated context information based selective data provision by identification means  
The present invention relates to a method, a device and a system supporting an automated selection of data records for being provided by an identification means. The data records comprising payment...
8725608 Method of assisted education planning  
A method of planning for an education with the assistance of a single source includes a user communicating with the single source for planning for multiple financial needs for an education,...
8725614 Creating and maintaining a payout-ready portfolio within an investment plan to generate a sustainable income stream  
Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in...
8719137 Arrangement for and a method of determining damages in shareholder class action litigation  
Current practice in class action litigation entails a series of arbitrary assumptions about fundamental parameters that may not meet Daubert standards of scientific evidence. A new...
8719078 Index for assessing discount potential  
A computerized system and method of calculating a discount index value for a supplier can include receiving information related to a plurality of discount leverage factors for the supplier,...
8719128 Computer-facilitated secure account-transaction  
The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for...
8719141 Apparatus and method for conducting a recurring auction using a participant retention mechanism  
The present invention includes a method and system for trading goods and services through recurring auctions. Recurring auctions are increasingly popular form of markets for perishable and...
8719130 Portfolio investment management method, system and computer program product  
A method for an automated insured deposit portfolio management includes receiving a request from a depositor to invest funds in an insured deposit product including investment vehicles that use a...
8719135 Real-time insurance estimate based on non-personal identifying information  
Methods and systems for providing estimated insurance quotes/premiums are described herein. After analyzing rate factors, a subset of rate factors are selected that yield a fairly accurate...
8719158 Multi-account payment consolidation system  
A multi-account payment consolidation system and process, including a central computer system operatively coupled to a payment terminal through a network connection. A plurality of external...
8719132 Financial management system and method with debt management  
A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include...
8719134 Insurance rating plan  
A first amount of insurance may be determined for a first set of at least one insured entities covered under a single insurance policy. Replacement cost factor data relating to the single insurance...
8719142 Seller categorization  
Disclosed are methods for competitive pricing implemented in software for commerce in an electronic marketplace. A vendor may identify rivals: competitors against which the vendor most directly...
8719148 Model-based selection of trade execution strategies  
Effective selection of trade execution strategies using a multi-dimensional model is disclosed. A relationship exists between order difficulty and execution strategy. Execution strategy depends on...
8719131 Allocating financial risk and reward in a multi-tenant environment  
Multi-tenant resources can be funded using payment submitted with requests for those resources, such that the resources do not need to be associated with a specific user account. A resource can be...
8719133 Annuity having interest rate coupled to a referenced interest rate  
The disclosure herein provides a guaranteed rate of return for a guarantee period of a financial account while at the same time providing upward adjustments to the interest rate if there is a...
8719157 System and method for investing public deposits  
A method, system and program product for operating an exchange method for municipal and/or state funds from banking institutions, comprising: accessing, one or more electronic databases holding...
8719126 Funds collection tools and techniques  
Tax collection tools and techniques automatically and electronically separate tax amounts from other funds in a commercial transaction, and divert the collected tax into a holding fund. The holding...
8719150 Automated trading system and methodology for realtime identification of statistical arbitrage market opportunities  
A program for identifying and automatically acting on statistical arbitrage opportunities between related equities and contracts. The present invention describes an improved technique to perform...
8719129 Money services system  
A check cashing system is configured to scan in a check to be cashed and scan a customer ID of a customer cashing the check. Information for the customer, including check cashing history,...
8719151 Loan resolution modeling using discrete event simulation methodology  
Systems, methods, and computer program products are provided for customer loan lifecycle modeling using discrete event simulation methodology. Discrete Event Simulation (DES) allows for modeling to...
8719062 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions  
A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective...
8719136 Systems and methods relating to credit  
The present invention includes an electronic platform where business credit can be created, affiliated, transmitted, redeemed and processed, etc. in connection with multiple redeemers. The present...
8719127 Network commerce system with lead-based feedback  
A network commerce system comprises a product sale listing searchable by a consumer and comprising one or more products provided by a third-party vendor in a pay-per-lead format. A pay-per-lead...
8719144 Exchange trading system and method having a variable maker-taker model  
A method is described for providing one of a plurality of maker-taker pricing models to a system connected with the exchange system. The method includes the steps of an exchange server receiving...
8719163 Methods and systems for routing payment transactions  
Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment...
8719159 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale  
A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a...