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8185461 |
Longevity analysis and modifiable attribute identification
A method, software, database and system for determining modifiable lifestyle attributes which when altered, can increase the longevity of an individual is presented. Based on an individual's...
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8185460 |
Electronic financial translation system architecture
Aspects of the invention include methods and systems for an electronic financial transaction system with a translation system architecture. Aspects of the invention provide translation methods such...
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8182328 |
Method of lottery wagering on real-world events
A method for lottery wagering on real-world events. One method according to an embodiment of the present invention includes selecting a set of variables, each variable representing a time-varying...
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8185456 |
Method and system for structuring a mortgage
Methods and systems are configured to structure a collateralized loan such that a borrower's future income is factored into the determination of payment amounts due to a lender. The methods and...
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8185415 |
Methods and systems for comparing employee insurance plans among peer groups
The present invention is directed towards methods and systems for a benchmark based comparison of an employee insurance plan of an organization to employee insurance plans from other organizations...
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8185463 |
Interactive systems and methods for insurance-related activities
Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance...
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8185408 |
Health care financing system and method
A system and computer implemented method for determining eligibility of a patient to receive financial assistance. The method utilizes health care financial assistance information associated with a...
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8185417 |
System and method for providing multiple real-time pricing quotes based on optional consumer variables
A method and system for providing multiple real-time pricing quotes based on optional consumer variables is disclosed. A user accesses a web site and is provided with a web page enabling the user...
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8184894 |
Electronic reassociation
Apparatus and methods for providing electronic reassociation of data transmissions of checks and backup information. A method according to the invention may include scanning each check received by...
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8185457 |
Transaction risk analyzer
Methods and systems are disclosed for automatically identifying and managing potentially fraudulent transactions without adversely impacting legitimate customers. In one implementation, the methods...
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8181853 |
System controlled by data bearing records including check accepting and cash dispensing automated banking machine
A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a...
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8185440 |
Data processing system for pricing, costing and billing of financial transactions
The present invention provides methods and systems for pricing financial transactions by defining product rules, providing links to appropriate price tables, and calculating a price for a financial...
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8185462 |
Stochastic control system and method for multi-period consumption
The present invention relates to dynamic optimization of system control over time. The need for dynamic optimization arises in many settings, as diverse as solar car power consumption during a...
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8181861 |
Electronic transaction security system and method
A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued to a user by a financial institution. The payment card comprises an...
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8185458 |
Occupational therapy and ergonomic system
A system for preventing on the job injuries comprising identifying a company which will benefit from the system and approaching the same with a business proposal. Once hired, a therapist evaluates...
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8185459 |
System, method and computing device for detecting duplicate financial documents
A method and system are disclosed for identifying in real time duplicate financial documents processed by a financial institution or check clearinghouse. A collection of hash values representative...
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8185454 |
Method and system for assigning amortizable revenue components associated with a revenue bill of material for an ordered product to appropriate revenue accounts
A system for unbundling revenue. In response to receiving an order for a product from a customer, a revenue bill of materials is determined for the ordered product. Amortization schedules are...
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8180692 |
System and method for performing automatic spread trading
The present embodiments are provided to facilitate the automatic trading of spreads in a fast and accurate manner. One or more market data feeds that contain market information for tradeable...
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8179818 |
Proxy terminal, server apparatus, proxy terminal communication path setting method, and server apparatus communication path setting method
In a proxy terminal or server a path setting can be performed by a server apparatus and a path setting that includes, as a relay point, a proxy terminal arbitrarily specified by a user or the proxy...
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8180693 |
Prediction of financial performance for a given portfolio of marketing investments
Methods, systems, and computer program products are provided for quantifying financial impact of marketing investments. Time series data describing the financial performance generated by...
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8180700 |
Transaction system for employee stock options and other compensation programs
Systems and methods of selling employee stock options (ESOs) and other compensation instruments. The method may comprise receiving a sale order for the employee stock options from a seller. The...
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8180710 |
System, method and computer program product for an interactive business services price determination and/or comparison model
A system, method, and computer program product are disclosed for determining a standard market pricing index for pricing user-defined business services and for comparing unique configurations of...
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8180694 |
System and method for incorporating qualitative inputs into econometric models
Methods, systems, and computer program products are provided for incorporating qualitative factors into an econometric model. Time series data describing the financial performance generated by...
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8180695 |
Method of administering an investment fund that seeks to provide regular monthly payments without consuming principal
A method of administering an investment fund. The method includes the steps of creating shares for sale, providing a managed distribution schedule identifying a number of payments to be provided...
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8180656 |
Hybrid life insurance product with an improved total return
Disclosed is a novel life insurance product that provides an improved return to a purchaser. The life insurance product contains a benefit payment, and has a fixed benefit amount and a variable...
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8180705 |
Method and apparatus for initiating a funds transfer using a mobile device
The invention is directed to a method and apparatus for initiating an electronic funds transfer. The system includes a first mobile device, a payment engine, and a payment repository. The first...
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8175943 |
System and method for reconciling financial records
A system and method for reconciling financial records is provided. Breaks are screened by user defined rules to categorize breaks into categories of relatively higher and relatively lower...
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8175939 |
Merchant powered click-to-call method
A method is disclosed for enhancing the predictability, scalability and cost effectiveness of online advertising with voice over IP connectivity and event tracking technologies. A service provider...
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8175947 |
System and method for administering fixed index annuities
A system for administering an insurance account includes a processor; a memory in communication with the processor; the processor being adapted to: access data indicative of a value of an index...
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8175940 |
Method and system for administering a variable universal life insurance product having a volatility reduction feature
A method and system of administering a financial product having a volatility reduction feature comprises providing a life insurance policy having a cash surrender value, creating at least one...
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8175970 |
Cash to card recycling
An end-to-end currency handling and management system and method include a recycler system configured to receive currency, deposit the currency into a desired account and make the currency...
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8175937 |
Systems, methods and computer programs for financial data evaluation
Systems and methods are provided for evaluating financial information, including systems and methods with computational/evaluation capability to process data sets comprising financial data. In one...
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8175944 |
Method of recording and paying declared dividends in an investment company that invests in fixed income securities and has conventional and ETF share classes with different dividend payment frequencies
A method is are provided to administer an investment company. The investment company issues one or more classes of shares that are bought from and redeemed with the investment company at a net...
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8175972 |
Pre-paid card transaction computer to load a loan on a pre-paid card
A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A pre-paid card transaction computer activates a...
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8175934 |
System and method for automated generation of communications involving products or services
A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client...
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8175900 |
Life insurance strategic value
The present disclosure includes devices, methods, and systems for determining the strategic value of a life insurance strategy at a future point in time. One device embodiment can include a...
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8175938 |
Method and system for facilitating merchant-initiated online payments
A method and system for facilitating merchant-initiated online payments are disclosed. According to one aspect of the present invention, a payment service provider's server receives a user's...
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8175949 |
Methods and systems for providing a constant maturity commodity index
Methods and systems provide a commodity index for investing. In one implementation, a method selects a commodity component for inclusion in the commodity index and calculates a target weight of the...
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8175942 |
Systems and methods for enhancing compliance with the federal reserve custodial inventory (CI) procedures
Systems, methods and consumer-readable media for enhancing compliance with the Federal Reserve Custodial Inventory procedures are provided. The system may include an inventory management system for...
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8175953 |
Prepaid short messaging
A prepaid messaging solution using open networking standards (e.g., TCP/IP) to support pre-payment of Internet messaging services. The disclosed prepaid architectures/methods determine if a...
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8175950 |
Systems and methods for determining bids for placing advertisements
Systems, apparatuses, and methods are provided for determining a bid value for placing an advertisement onto advertising space available through an electronic marketplace. A method is used for...
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8175945 |
Using commercial share of wallet to compile marketing company lists
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...
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8175941 |
Method and system for developing and applying market data scenarios
A method and system for developing and applying market data scenarios in which market data is received from a market data distribution platform, stored, changed with respect to a specific asset...
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8175959 |
System and method for implementing financial transaction
A method for executing a trade is provided that includes communicating financial information to a handheld device via a network, the financial information being associated with a trade that can be...
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8175952 |
System and method for managing a group insurance policy
According to one embodiment, a method for managing a group life insurance policy with a plurality of certificates is provided. The group life insurance policy is at least partially funded by a...
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8175957 |
Call for quote/price system and methods for use in a wholesale financial market
An electronic trading system and associated methods that provide for anonymous pricing data while ensuring the integrity of the system by preventing it from being used for price discovery...
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8170930 |
System and method for automated notification
Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of...
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8170934 |
Systems and methods for trading actively managed funds
Systems and methods are provided to determine an estimated value of a traded fund whose assets are not publicly disclosed on a daily basis, where a computer system includes one or more computers...
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8170894 |
Method of identifying innovations possessing business disrupting properties
The instant invention involves a method for determining the expected presence of disruptive business process innovations by performing various nonlinear dynamic processes and analysis with both...
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8170943 |
Systems and methods for generating a metric of financial status relative to a financial goal
The present invention relates to, among other things, systems and methods for generating a metric of an entity's financial status relative to a financial goal. In generating the metric, the value...
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