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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...
8719143 Determination of optimized location for services and data  
The claimed subject matter provides a system and/or a method that facilitates preserving and maintaining data and/or services associated with a network service. The network service can be any...
8719145 System and method for creating and trading a derivative investment instrument over a range of index values  
An investment instrument based on a range of index values is disclosed that allows investors to take risk positions relative to the size, or length, of the range. The investment instrument has a...
8719061 System and method for repair calculation, replacement calculation, and insurance adjustment  
Disclosed is a novel system and method that provides real time information to an insurance adjuster. The system obtains information related to an insured item which has an outstanding claim....
8712891 Methods and systems for creating a tail risk hedge index and trading derivative products based thereon  
A method and system for calculating a tail risk hedge index is disclosed where the tail risk hedge index is associated with a portfolio having an underlying asset and a volatility index option...
8712912 System and method for providing advice to consumer regarding a payment transaction  
Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent...
8712889 Alterable account number  
Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one...
8712899 System and method for managing investment funds  
Method for establishing an investment mandate and for managing institutional investment funds associated with equity-based investments, bond-based investments and other investments.
8712880 Transfer formulas  
A method of using a formula to execute periodic transfers in a hierarchal accounting structure includes receiving a transfer formula that may comprise a source account, a target account, an offset...
8712892 Verification of a portable consumer device in an offline environment  
A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification...
8712893 Enhanced claims damage estimation using aggregate display  
Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze...
8712886 Apparatus and method for categorizing services using canonical service descriptions  
An apparatus and method for service classification are provided. The apparatus and method make use of canonical service descriptions which designate minimum requirements for a service to be...
8712881 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...
8712896 Target trading system and method  
A method of reaching one or more target positions in a user-directed trading system includes the steps of: identifying target positions, wherein each target position includes a tradable instrument...
8712807 System and method for determining payroll related insurance premiums  
A computer-implemented method for determining payroll related insurance premiums includes receiving at a server computer first payroll data relating to a first employer in a first data format from...
8712888 Methods and systems for assessing sales activity of a merchant  
A method for assessing sales activity of a merchant using a computer system coupled to a database is provided. The sales activity includes purchases made by a customer using a financial transaction...
8712895 System and method for creating, managing and trading hedge portfolios  
The present invention discloses apparatuses, systems and methods for providing optimal hedge portfolios that minimize single stock idiosyncratic risk for a given level of transactional costs. This...
8712911 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...
8712840 Portable hand-held multi-function device for storing, managing and combining rewards  
A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each...
8712890 Systems and methods for optimizing capital structure of a financial institution  
In accordance with the teachings described herein, systems and methods are provided for optimizing the capital structure of a financial institution. A system may include an optimization engine...
8713651 Advocate for facilitating verification for the online presence of an entity  
Some embodiments provide an advocate system to facilitate automated online presence verification for different entities on behalf of the entities. The advocate system places service providers on...
8712905 System and method for reducing the risks involved in trading multiple spread trading strategies  
System and methods for reducing the risks involved in trading multiple spread trading strategies in an electronic trading environment are provided. Specifically, reducing the risks involved in...
8712887 Electronic multiparty accounts receivable and accounts payable system  
The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts...
8712885 Method for assisting in the checking of transaction records, transaction device, server, mobile terminal, and corresponding computer programs  
A method and apparatus are provided for assisting in checking accuracy of bank transaction records edited in a bank statement and performed by at least one transaction device. The method includes,...
8712813 Audit planning  
An audit planning system enables users to plan effective audits by identifying audit units having potentially large impacts and risks on an enterprise and enabling users to select audit units to...
8713630 Verifiable service policy implementation for intermediate networking devices  
A network system capable of communicating with a first end user device over a wireless access network, and a method performed by the network system. The method comprises receiving an instruction...
8712908 Home appreciation participation notes  
A method, computer program product and computer system for issuing and servicing a Home Appreciation Participation Note (HAPN) for a real estate property, which includes issuing an Participation...
8712906 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Prioritizing data clusters with customizable scoring strategies
 
Techniques are disclosed for prioritizing a plurality of clusters. Prioritizing clusters may generally include identifying a scoring strategy for prioritizing the plurality of clusters. Each...
8712883 System and method for dynamic quality-of-service-based billing in a peer-to-peer network  
A system and method facilitate dynamic QoS-based billing in a P2P network. According to one embodiment, a peer node identifies a plurality of partner peer nodes that transiently stage streaming...
8712803 Systems and methods for electronic verification of vehicle insurance coverage  
Systems, methods and apparatus for electronically verifying vehicle insurance coverage. A plurality of identifiers may be stored along with corresponding vehicle insurance coverage information for...
8706616 System and method to profit by purchasing unsecured debt and negotiating reduction in amount due  
A purchase of debt system (“PODS”) and process that allows a debtor and entity using the system to financially benefit by exploiting the errors, fraud and inefficiencies contained in debts, suc...