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8756146 Out of band credit control  
Systems, apparatuses, methods, and computer readable media may be configured for informing a first node of a first fine precision algorithm for calculating a first credit utilization associated...
8756159 Method of archive retrieval of check information based on location  
Embodiments of the invention include systems, methods, and computer-program products that provide for a system to receive information related to check transaction based on the location of the user....
8756127 Pool-based system for organizing and measuring personalized financial management techniques  
A system and method for a money pools system is presented. The money pools system includes a plurality of financial positions that are allocated to a plurality of pools. A category may be used to...
8756140 Computer-implemented systems and methods for modeling risk of an investment portfolio  
Computer-based systems and methods are disclosed that generally relate to risk modeling for investment portfolios, such as equity investment portfolios. For example, a factor covariance matrix for...
8756132 System and method payment allocation and processing of bankruptcy claims  
A system and method provides electronic management and processing of bankruptcy-related claims and payments. The method includes receiving loan servicer data from a loan servicer portfolio. The...
8756274 Consistent interface for sales territory message type set 1  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8756135 Consistent interface for product valuation data and product valuation level  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8756128 Self-perpetuation of a stochastically varying resource pool  
A computer-readable medium has encoded thereon software for maintaining a steady-state worth of an inhomogenous renewable resource pool. The software includes instructions for causing a...
8756133 Method and system for a deferred variable annuity with benefit payments as a function of an age-based withdrawal percent  
A computer system for processing data relating to a deferred variable annuity contract during the accumulation phase includes a data storage device storing data relating to the deferred variable...
8756130 System and method for the automated brokerage of financial instruments  
Disclosed herein in a preferred embodiment is an automated financial instrument brokerage system wherein a front end layer interacts with customers to generate activity requests for an intermediate...
8756149 Use of adaptive and/or customized compression to enhance the efficiency of digital data exchanges  
The present invention relates to a method for enhancing the efficiency of digitally communicated data exchanges and to a computer system that implements such a method. The invention particularly...
8756150 Credit card system and method  
A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use...
8756129 System and method for text messaging of financial account data  
A method, a system and a computer-readable medium for responding to a text message request are enclosed. A method, a system and a computer-readable medium for providing financial information to a...
8756131 System and method for integrated computerized banking  
Systems and methods for integrated computerized financial management are presented. Financial information from disparate systems is made available to an operator through a user interface that...
8756155 Web based communication of information with reconfigurable format  
A number of different aspects that can be carried out on an Internet site and prestored sequences of actions or scripts. The scripts can be formed by monitoring the actions of a user and storing...
8751879 Intelligently monitoring and dispatching information technology service alerts  
In a method for intelligently monitoring and dispatching an Information Technology (IT) service alert, a computer receives a service error alert and classifies the service error alert. The computer...
8751356 Financial assessment systems and methods  
Financial assessment systems, methods and graphical user interfaces are described. Financial information for an individual is received and integrated in a financial plan. A synopsis view of the...
8751365 Systems and methods for analyzing trading strategies  
The present analysis systems and methods provide a dynamic graphical user interface through which a user can view and modify a trading strategy. The various parts of the strategy may be graphically...
8751260 Computer-based system for automating administrative procedures in an office  
A computer-based system for automating administrative procedures in an office is described. According to an embodiment, the system may include a control module in communication with a management...
8751348 Method, apparatus and article-of-manufacture for managing and supporting initial public offerings and other financial issues  
The present invention relates generally to the field of computer-assisted business methods, and to system and articles-of-manufacture for implementing such methods. More particularly, the invention...
8751393 System and method for interactive virtual banking  
Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating...
8751376 Financial instrument having credit and pre-paid characteristics  
Embodiments of the present invention provide for methods and systems for providing a financial instrument that possesses both credit features (secured and unsecured) and prepaid features. When a...
8751391 System and process for performing purchase transactions using tokens  
The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the...
8751343 Process and apparatus for video game development  
In an embodiment, apparatus and methods for video games permit obtaining funding for developing game environments. A variety of possible funding sources are possible, such as venture capital, the...
8751347 Payment entity device transaction processing using multiple payment methods  
A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method...
8751386 Impulse donation/buy without risk method  
A method and system are disclosed for enabling a subscriber to a service provider to purchase goods or make donations to a third-party unaffiliated with the service provider. The system generates...
8751389 Method and system to process payment using SMS messaging and a mobile-optimized web form  
Provided is a method and system for processing payment/information, including receiving, by an electronic circuit of a mobile communication device, a payment/information processing statement for a...
8752167 Content management device and content management method  
A content management device, includes: a folder level access control information storage unit configured to store folder level access control information indicating access rights of a user to a...
8751354 Methods and systems for comparing stocks  
An instrument and system for consistent and objective comparison of stock exchange listed stocks, regardless of geographical market, business activity and trading currency is provided. The...
8751401 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...
8751358 System and method for automated order entry on short queues  
Orders are automatically sent to the market when certain user defined conditions are met. In particular, a trader can configure the trading application to automatically send orders for preset...
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...