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6651884 |
System for ranking card reissue transactions
A system and method for selectively processing information to reissue cards to cardholders. The method includes assigning scores to cardholder accounts. Thereafter, the cardholder accounts are...
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6647375 |
Risk reduction system
A method for reducing risk including the steps of holding by a seller a liability having a future value S 1 and determining the present value P 1 of the liability in accordance with the future...
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6643625 |
System and method for auditing loan portfolios and loan servicing portfolios
A computer-assisted method of auditing of loan portfolios and loan servicing portfolios wherein the loans are of a plurality of types by keying questions which determine compliance with a large,...
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6633875 |
Computer database system and method for collecting and reporting real estate property and loan performance information over a computer driven network
Real estate data, particularly data of multifamily housing, is stored in a database. The database is accessible to data providers who add data to the database through connection via a computer...
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6622131 |
Method and system for auctioning loans through a computing system
A computing device receives first information about a customer. The computing device outputs second information to at least first and second loan sources. The second information includes at least a...
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6615187 |
Method of securitizing and trading real estate brokerage options
The present invention relates to a method of creating, purchasing and selling the real estate brokerage commissions typically collected upon the sale of real property. A property owner sells, for a...
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6611816 |
Method and computer network for co-ordinating a loan over the Internet
The invention relates to a method and a computer for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. This method...
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6609118 |
Methods and systems for automated property valuation
The present invention is a method and system for automating the process for valuing a property that produces an estimated value of a subject property, and a quality assessment of the estimated...
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6604239 |
System and method for virtual television program rating
A method and a system for combining at least two sources of television program rating information, including at least one source obtained through user input into an electronic interface, to provide...
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6598030 |
Method and apparatus for pattern generation
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a...
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6587841 |
Computer implemented automated credit application analysis and decision routing system
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data...
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6587867 |
Internet-based subscriber profile management of a communications system
A telecommunications system includes multiple services. For example, the system provides multiple communications services with a single number for a subscriber. The subscriber can easily configure,...
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6574605 |
Method and system for strategic services enterprise workload management
The invention provides a system and method for strategic services enterprise workload management and more particularly to an automated method and system for enterprise workload management that...
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6563518 |
Method for enabling rapid modification of a display controlled by a computer program
A credit card processing system includes a layer of abstraction between the presentation layer and the display, which enables rapid modification of the display by a user who is not necessarily...
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6556979 |
Method and system for identifying consumer credit revolvers with neural network time series segmentation
Initially, customer time series credit files are acquired. The credit files are organized in a data mart environment for supporting a query system. Time series utilization attributes are created...
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6553346 |
Conditional purchase offer (CPO) management system for packages
A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an...
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6513019 |
Financial consolidation and communication platform
An integrated financial data reporting system provides for real time data entry, assessment, and report generation. The system includes message formatting, database management, and select...
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6505176 |
Workflow management system for an automated credit application system
A workflow management system for an automated credit application processing system. The workflow management system automatically coordinates the workflow among various workgroups and entities...
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6494367 |
Secure multi-application card system
A multi-application card for providing secure access to multiple card accounts. This system includes a multi-application card storing a readable identification number corresponding to the card, and...
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6490568 |
Automated system and method for monitoring financial transactions
An automated system and method which monitors the cash flow of the merchant account and maintains a minimum balance for each merchant account based upon allowable delays. The automated...
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6484153 |
System and method for managing third-party input to a conditional purchase offer (CPO)
A central controller receives an offer signal including at least one condition signal. The offer signal defines an offer having at least one condition from a customer. The central controller also...
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6477578 |
System and method for conducting secure internet transactions
A system and method for conducting secure electronic transactions via the Internet uses a second secure communication link for the transmission of sensitive information. Transactions are split so...
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6456984 |
Method and system for providing temporary credit authorizations
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or...
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6438526 |
System and method for transmitting and processing loan data
An automated system for collecting and disseminating loan information over a network connection includes a server which receives loan data, including daily loan data, from lenders and stores the...
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6434534 |
Method and system for processing customized reward offers
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data...
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6424951 |
Data processing technique for scoring bank customer relationships and awarding incentive rewards
A Relationship scoring and Incentive Reward awarding process determines a Relationship score for the Relationships between a Bank and each of its customers. Such Relationships may include deposit...
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6405181 |
Method and apparatus for real time on line credit approval
A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a...
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6393436 |
Method for commercializing goods and services over a global digital network
A method for commercializing goods and services over a global digital network where the order requests from a group of purchaser subscribers is processed and matched with one or more vendor...
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6374231 |
Money fund banking system
Providing interest to clients' deposited finds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of...
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6366892 |
Method and system for automatically producing loan documents
A method for automating legal documents particularly for institutional and commercial loans includes the steps of providing in a database a plurality of provisions, including a plurality of...
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6360210 |
Method and system for enabling smaller investors to manage risk in a self-managed portfolio of assets/liabilities
A computer-based system is disclosed for reducing risk, including market risk, for a given portfolio, by examining the expected risk, pricing it, and transferring some or all of it in exchange for...
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6347302 |
Apparatus and method for processing lease insurance information
An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at...
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6330547 |
Method and apparatus for establishing and enhancing the creditworthiness of intellectual property
A method and apparatus for deciding whether to make a loan using an intangible asset, such as intellectual property, as collateral and for making such a loan more attractive to a lender. The method...
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6330546 |
Risk determination and management using predictive modeling and transaction profiles for individual transacting entities
An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent...
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6327577 |
Electronic bill payment system with account-number scheming
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a...
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6324524 |
Method and apparatus for an account level offer of credit and real time balance transfer
A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A...
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6317726 |
Automated strategies for investment management
The invention is in the field of using a computer to select corporate stocks for investment. Fifty stocks are selected from a database on the basis of certain criteria. The stocks are acquired in...
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6311169 |
On-line consumer credit data reporting system
A consumer credit information data base controlled by a computerized system for storing current consumer credit information, as well as historical credit data information. The computerized system...
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6311192 |
Method for initiating workflows in an automated organization management system
A computer program (38) for organization management can interact with a database (36) containing organization information, and includes a personnel administration module (41), a personnel...
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6304859 |
System and method for premium optimization and loan monitoring
A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium...
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6292788 |
Methods and investment instruments for performing tax-deferred real estate exchanges
Methods and investment instruments for investing in real estate are described wherein a portfolio of investment real estate is divided into a plurality of tenant-in-common deeds of predetermined...
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6269347 |
Method for calculation of a reduced interest mortgage payment plan
A method for calculating a mortgage which provides application of mortgage payments to principle first and then interest in the amortization schedule of repayment of a conventional loan is...
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6260026 |
Credit card information management system
The credit card information management system checks the creditability of a credit card intended to be used for purchase of goods or service by using the card information owned by member stores of...
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6249217 |
Method for retrieving vehicular collateral
In accordance with the present invention, there is provided a method of securing collateral for a loan when indicated by a loan status wherein the collateral is a vehicle. The method provides for...
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6246999 |
Financial services account manager system
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed...
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6236973 |
Apparatus and method for providing collateral construction loan insurance coverage
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk...
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6233566 |
System, method and computer program product for online financial products trading
An online centralized financial products exchange system. The invention is a system, method and computer program product that creates a "marketplace" for end-to-end financial products life cycle...
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6226624 |
System and method for pre-authorization of individual account remote transactions
An account processing method and system for providing specific pre-authorization parameters for transactions that require specific pre-authorization by a network user specifying conformity...
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6223167 |
Method and system for handling disruptions in the management of electronic auctions
A method and system for conducting electronic auctions is described. A dynamic lot closing extension feature avoids collisions in closing times of multiple lots by dynamically extending the closing...
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6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data...
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