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6208979 |
Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network
A computer-driven information management system selectively matches credit applicants with money lenders through a global communications network. The system includes an applicant data entry device...
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6208978 |
System and method for issuing security deposit guarantees based on credit card accounts
A system and process for issuing a security deposit guarantee includes and involves a data storage system storing information about a credit card account having an account owner, and an agreement...
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6202053 |
Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants
The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at...
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6192347 |
System and methods for computing to support decomposing property into separately valued components
A computer system, and methods for making and using it, for manipulating digital electrical signals to produce an illustration of a decomposition of property into separately valued components. The...
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6185543 |
Method and apparatus for determining loan prepayment scores
A method and apparatus for determining the prepayment propensity of borrowers. Earlier payment of loans and particularly mortgage loans can lead to losses being suffered by lenders. The present...
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6154729 |
Method of reporting merchant information to banks
A method of reporting merchant information to banks via the World Wide Web includes compiling merchant information periodically into reports. The reports correspond to categories. The reports are...
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6148293 |
Method and apparatus of creating a financial instrument and administering an adjustable rate loan system
An operatively interconnected data processing and computing system is provided for creating, servicing and paying loan agreements between a lender and borrower providing for repayment of the loan...
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6144949 |
Radio frequency communication system with subscribers arranged to authenticate a received message
A radio frequency communication system subscriber (110) has a unique identification code, public key and private key, and stores the identification code and public key for other system subscribers...
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6144948 |
Instant credit card marketing system for reservations for future services
A system and method uses customer information collected by a sponsoring organization, such as a hotel, to request and pre-approve a line of credit for a customer with an issuing bank prior to the...
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6141651 |
Funding and settlement integrated suspense processing system
A method of reporting suspense transaction detail to acquiring banks includes compiling financial transaction information to a database. The information in the database is then routed to a server...
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6135349 |
System and method for enabling a merchant to apply for a credit card processing account using the internet
A system and method for enabling a merchant to apply for a credit card processing account using the Internet includes a computer browser in communication with the Internet. An Internet information...
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6128599 |
Method and apparatus for processing customized group reward offers
The present invention is an apparatus for providing and managing a customized reward offer to an affinity group sponsor based on the aggregate performance of members of the group. The apparatus...
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6125355 |
Pricing module for financial advisory system
The pricing module of the present invention provides a single module that models both fixed-income securities and equity securities into the future in an arbitrage-free model. Because the modeling...
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6122623 |
Watershed method for controlling cashflow mapping in value at risk determination
A system, computer implemented method, and software product provide for the correct allocation of cashflows to enable accurate determination of value at risk with respect to income and balance...
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6105007 |
Automatic financial account processing system
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's...
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6098051 |
Crossing network utilizing satisfaction density profile
A crossing network that matches buy and sell orders based upon a satisfaction and quantity profile is disclosed. The crossing network includes a number of trader terminals that can be used for...
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6098052 |
Credit card collection strategy model
The present invention is a computerized collection strategy model for use in collecting payments from delinquent accounts. The computerized collection strategy model estimates for each possible...
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6094643 |
System for detecting counterfeit financial card fraud
Counterfeit financial card fraud is detected based on the premise that the fraudulent activity will reflect itself in clustered groups of suspicious transactions. A system for detecting financial...
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6088686 |
System and method to performing on-line credit reviews and approvals
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates...
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6085174 |
Computer assisted and/or implemented process and architecture for administering an investment and/or retirement program
A computer program product stores computer instructions therein for instructing a computer to perform a process of administering or assisting in the administration of resources of a customer for...
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6078903 |
Apparatus and method for modeling the risk of loans in a financial portfolio
A method executed by a computer under the control of a program includes the steps of storing financial portfolio data in the computer. The financial portfolio data includes data on a loan...
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6078905 |
Method for optimizing risk management
A method for optimizing a rate of return based on a bank's capital and loan products, comprises the creation of a plurality of arrays, comprising a passiva product array, an activa product array, a...
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6076072 |
Method and apparatus for preparing client communications involving financial products and services
A method and apparatus are provided for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a...
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6073117 |
Mutual credit server apparatus and a distributed mutual credit system
A mutual credit server apparatus sends credit information about a seller to an inquiring buyer on a computer. Stored is a direct confidence degree about a seller from the point of view of each of a...
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6067533 |
Method and apparatus for determining an optimal investment plan for distressed residential real estate loans
Methods, system, and article of manufacture are provided for processing real estate loans based on loan data including personal data relating to a borrower, financial information relating to the...
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6064972 |
Risk management technique for network access
The risk of fraud associated with access by a subscriber to a network (42) is managed by a system that includes a data base (46) that stores a record for each subscriber indicative of that...
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6064375 |
Merchant analysis support method
A method of providing merchant information from a computer to a user includes displaying on a computer a plurality of merchant data categories. Each of the merchant data categories contains...
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6064988 |
Data processing system including transaction authorization device
A supersmart card system is provided for authorizing transactions between a transaction card user and a merchant. The supersmart card system includes a plurality of conventional transaction cards...
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6058377 |
Portfolio structuring using low-discrepancy deterministic sequences
In securities valuation, in setting the initial offering price of a financial instrument, or in later revaluation as financial parameters such as interest rates may change, an estimate of the value...
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6058369 |
Method and apparatus for monitoring the strength of a real estate market and making lending and insurance decisions therefrom
By gathering information regarding the total number of sales, total number of pending listings, total number of active listings, and total number of expired listings in a time period, a market...
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6052673 |
Investment management
Data processing for novel form of relationship management links, supervises, and balances depositors, marketing agents, financial intermediaries, mortgage brokers, and borrowers in an...
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6049782 |
Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution
A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account that includes a plurality of account components, including a checking...
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6049781 |
Relocation tracking system and method
A relocation tracking system (10) and method are provided. The relocation tracking system (10) includes a mass storage device for storing a relocation database (22) and a processor (40). Relocation...
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6049784 |
Method for creating and managing a lease agreement
A method for creating and managing a lease agreement includes providing predetermined financial information regarding a potential tenant and a potential landlord to a lease control intermediary,...
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6044363 |
Automatic auction method
In automatic auction method which makes it unnecessary for bidders to stay before auction terminals at the time of auction and which makes possible auction transactions on an open network on which...
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6038544 |
System and method for determining the performance of a user responding to a call
A system for determining the performance of a user responding to a call includes a processor, a memory, and an interface. The system presents stored audible and textual information to a user to...
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6029149 |
Lender direct credit evaluation and loan processing system
An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site...
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6029154 |
Method and system for detecting fraud in a credit card transaction over the internet
A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the Internet. The method and system comprises obtaining credit card information relating to...
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6021400 |
Multi-stage transaction executed from multiple ATMs
A system of ATMs wherein a customer can execute a complex transaction in stages, at different times, and perhaps at different ATMs. Considering a loan application as an example, a customer can...
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6018721 |
Method and system for improved collateral monitoring and control
A system and method is provided for advanced multi-currency collateral monitoring and controlling for use in a variety of businesses. The system maintains portfolios of collateral accounts and...
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6014643 |
Interactive securities trading system
A first individual enters an offer to sell a security on a first data processing system. This offer is sent to a server over a communication network which is available to the public. From the...
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6014645 |
Real-time financial card application system
A system is disclosed for presenting financial card (e.g., credit card, debit card) offers to potential customers. Financial card applicant selection criteria and financial card term data are...
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6012047 |
Reverse mortgage processing system
A data processing system for selectively determining an appropriate balance of credit parameters associated with the issuance of Reverse Equity Mortgage financing. The system manages the risk...
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6006207 |
System and method for loan prepayment discounts
A method and system of implementing a loan in a billing system includes memory storing information relating to the loan, the information including a principal balance of the loan, a term of the...
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5999910 |
Processing a workflow item
A computer-based method is provided for use in processing a work item in an automated workflow system. Suspension information relating to a previous suspension of the work item is stored. Based on...
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5999919 |
Efficient micropayment system
Existing software proposals for electronic payments can be divided into "on-line" schemes which require participation of a trusted party (the bank) in every transaction and are secure against...
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5995947 |
Interactive mortgage and loan information and real-time trading system
The invention provides a method and system for trading loans in real time by making loan applications, such as home mortgage loan applications, and placing them up for bid by a plurality of...
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5991745 |
Reverse mortgage loan calculation system and process
A system and process of calculating monetary payments by a lender to a borrower based on the value of an asset using at least one of a plurality of constants stored in look-up tables. The process...
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5983206 |
Computer system and computer-implemented process for implementing a mortgage partnership
A computer system and computer-implemented process creates single mortgage documents with multi-part obligations. The obligations allow for financing of real property ownership through a...
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5978780 |
Integrated bill consolidation, payment aggregation, and settlement system
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments...
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