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7660766 |
Technique for information flow to payees
A technique for making a payment to a payee on behalf of a payor is provided. A payment service provider receives a payment request from a payor requesting the service provider to make a payment to...
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7660764 |
Service charge adjustment platform
A method of providing a representative or customer with an opportunity to electronically process a request to adjust, refund or waive a service charge on various products and services, comprising...
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7660736 |
Computer-implemented product valuation tool
A method of valuing products based on demand probabilities. Products are designed by identifying product components, and combining the components in various combinations to provide standard and...
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7660763 |
Customer activated multi-value (CAM) card
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can...
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7660761 |
System and method for automated trading
The present invention relates to systems and methods for automated trading. More particularly, the present invention relates to a system and method for processing trade orders essentially...
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7660754 |
Technician communications system with automated claims processing
A system for automatically processing claims is disclosed. The system includes an application that runs on a computer. Technicians use the application to complete claims information. Claims...
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7660756 |
Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program
The invention provides an Internet banking system which can present services more familiar to daily life of individual users, and a bank server apparatus, etc. which can limit available banking...
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7660767 |
Application banking machine gift certificate dispensing system
An automated teller machine (ATM) ( 10 ) includes a display device ( 14 ), an input device ( 16 ), a cash acceptor ( 22 ), and a cash dispenser ( 24 ). The ATM also has access to a network, such as...
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7660771 |
Express check conversion
A technique is provided for automatically converting checks to ACH debits. The process is a two-part process in which the MICR line in a check is read at the point the check is presented and a...
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7660757 |
Method and system for providing a fixed rate annuity with a lock-in interest rate feature
A data processing method and system administers a deferred annuity product during the accumulation phase of a contract term. The annuity product permits the client to select both an interest rate...
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7657479 |
Method and system for provision and acquisition of medical services and products
Transactional costs associated with providing professional services are reduced by allowing prospective patients/clients (bidders) and professional service providers to negotiate competitively for...
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7657471 |
Method and apparatus providing automated financial plan controls
Techniques providing automatic control of a distributed electronic financial plan are disclosed. A set of financial statements is created and populated with planned data values that are stored in a...
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7657476 |
Method and system for valuing intangible assets
The present invention provides a method and system for valuing patent assets based on statistical survival analysis. An estimated value probability distribution curve is calculated for an...
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7657481 |
Strategy weight
This invention relates to hedge fund indexing in general and methods and systems for constructing and maintaining investable hedge fund indices in particular.
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7657474 |
Method and system for the detection of trading compliance violations for fixed income securities
A computer based method and system for advanced scenario based alert generation and processing is presented, with the specific ability to identify trading compliance violations in fixed income...
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7657473 |
Automated banking machine that operates responsive to data bearing records
A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking...
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7654449 |
Method and system for performing money transfer transactions
A method of performing a send money transfer transaction through a financial services institution includes storing transaction details on a data base, wherein the transaction details include a...
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7657475 |
Property investment rating system and method
A multifamily investment management tool comprises user interface logic and an investment rating engine. The user interface logic is configured to provide a user interface accessible to a user and...
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7657470 |
Financial model engine
A method for modeling cost is provided. Sales data is received. Cost data is also received. Cost per unit of product is estimated from the sales data and the cost data. In addition, an apparatus...
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7657472 |
Method for processing different groups of papers of value
A method for processing papers of value in which different groups of papers of value are processed one after the other, such that for each group of papers of value an accounting unit is opened, an...
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7654447 |
Auto check reorder
The described embodiments contemplate a system, method and computer-readable medium with computer-executable instructions for providing checks to an account owner by comparing a quantity of cleared...
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7653579 |
Apparatus and methods for handling trading data
A manually-assisted computer and communications apparatus is provided for periodically fixing a price of a currency or commodity. Successive rate samples of said currency/stock/commodity are...
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7653582 |
Interactive financial charting and related news correlation
Techniques are disclosed by which users looking for financial information about publicly traded or private companies may richly and interactively navigate both pricing and material news information...
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7653592 |
System and method for processing a loan
A computer-implemented mortgage loan application data processing system comprises user interface logic and a workflow engine. The user interface logic is configured to receive mortgage loan...
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7653591 |
Late fee avoidance system
A method and apparatus are disclosed (a) which maintain credit card account and billing data including (i) data correlating credit card numbers, cardholders, and payment information such as mailing...
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7653596 |
System and method for dividing a remittance and distributing a portion of the funds to multiple investment products
A known charge card billing system communicates with an investment broker system, wherein the investment broker system includes an instruction arrangement database, payment hierarchy and an...
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7653586 |
Computer-implemented trading in freight derivatives and techniques therefor
Computer-implemented techniques via a computer network for allowing freight industry participants, including shippers, forwarders, carriers, and market makers to securely and conveniently trade in...
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7653578 |
Portfolio accounting system and method for handling uncertainty in accounting information
Portfolio accounting systems and methods are adapted to handle uncertainty in accounting information due to time delay in information issuance. Accounting information is represented by streams of...
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7653587 |
Automated account statement generation process
Computer-implemented methods are executed by a software application that allows users to create or edit account statements designated or queued for batch printing runs. This application also allows...
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7650303 |
Method and system for financial advising
A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or...
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7650292 |
Insurance products and related methods and systems
A method of structuring a life insurance product includes: selecting one or more insureds from a pool of applicants; collecting at least one premium payment, the at least one premium payment...
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7650306 |
Transaction structure for issuing inflation-linked securities
Transaction structures for issuing inflation-linked securities are disclosed. According to various embodiments, the transaction structure includes an entity purchasing fixed income securities...
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7650109 |
Analyzing system, analyzing method using the same, and system for collecting survey results for use in analysis
A surveyor carries a terminal device 200 and travels to a survey point preliminarily instructed. The surveyor obtains survey position information by using a GPS unit in the terminal device 200 ...
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7650301 |
System and method for monitoring acquisition channels
To ensure merchant acquisition compliance, the invention enables creation of merchant selection criteria that are used to query a database of acquired merchants. A set of acquired merchants is...
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7647262 |
Transaction control systems and methods
A transaction control system generates presentation objects which reside on front-end terminals. The control system also comprises a business rules layer, a transaction layer, and an external...
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7647278 |
Method for facilitating a transaction between a merchant and a buyer
A method includes inputting into the computer a digital content file of the merchant, the digital content file including a header with information related to purchasing a digital content product...
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7647272 |
Systems and methods for providing an adjustable rate mortgage with a fixed monthly payment
Systems and methods are described for processing mortgage payments. In one embodiment, the method includes receiving a fixed payment for the mortgage, such fixed payment being based on an initial...
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7647239 |
Methods and systems for smoothing of the assumed long-term discount rate for pension plans and actuarial valuations
Methods and computer systems provide for the determination of employer liabilities and resulting contributions to pension plans by utilizing a smoothed discount rate in place of an assumed...
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7647261 |
Method and apparatus for retirement income planning
Embodiments of the invention generally provide a method and apparatus for retirement income planning. One embodiment of a method for planning an income stream includes receiving personal data...
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7647282 |
Systems and methods for reducing a risk associated with the supply of a commodity
A method for reducing a risk associated with a commodity. The method is implemented at least in part by a computer and includes offering to supply the commodity to a commodity consumer. The offer...
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7647260 |
Return on investment (ROI) tool
The present invention provides a system and related method that enables a user to use one or more appropriate ROI tools according to the needs of the users. Specifically, the user provides data...
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7647268 |
System and method for implementing a recurrent bidding process
A system and method for implementing a recurrent bidding process is disclosed. According to one embodiment, a method for implementing a recurrent bidding process to dispose of a portfolio of...
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7647253 |
Methods and system of conducting business-to-business operations by registered sellers and buyers using an internet accessible platform
A method for using an internet accessible computer system to conduct business to business operations among a plurality of buyer companies and a plurality of seller companies. In one embodiment, the...
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7647264 |
Closing in an electronic market
A method for trading a security in an electronic market includes receiving closing orders and orders for the security traded in the electronic market, disseminating an order imbalance indicator...
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7647275 |
Automated payment system and method
An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document....
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7647259 |
E-commerce development intranet portal
An intranet providing a multiple-carrel public-access kiosk provides free access to foreign and domestic informational e-commerce intranet sites as well as e-mail and public service educational and...
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7644043 |
Check processing apparatus, program, electronic payment system, and check processing method
A check processing apparatus and method acquire and save data verifying the identity of a person using a check, and output this information in an effective manner to prevent improper use of the...
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7644007 |
Method and apparatus for finance-based scheduling of construction projects
a method and apparatus is disclosed for scheduling construction projects based on the available finance using integer programming. This method renders CPM/PERT schedules of construction projects...
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7644021 |
Electronically assisted enterprise journal system
A method for processing accounting data of an enterprise includes entering accounting data entries associated with one or more accounts in memory of an interactive system, the interactive system...
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7644036 |
Credit card supported electronic payments
A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a...
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