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8447672 Universal payment protection  
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
8447686 System and method for mitigating merchant debit balances  
A system and method for collecting data about merchants or service establishments that accept credit cards or charge cards as payment for goods and services, segmenting the merchants into groups,...
8447690 Business and social media system  
A business and social media system is provided for establishing communication services between people in different countries. The system includes a core system module, the core system module...
8447675 Methods and apparatus for recording legal tender decomposition of accounting system entries  
Methods and apparatus for recording decomposition of accounting system entries are disclosed. In one embodiment, one or more processors are employed to perform recording a legal tender value of an...
8447687 Method and system for centralized identity and account controls  
The method and system provides consumers with the ability to define and control their identity and accounts to minimize vulnerability to identity theft and credit fraud. This is accomplished using...
8447681 System and method for administering a destination fund having an associated guarantee  
A system is provided for administering a destination fund having a guarantee wrapper. The guarantee provides an income stream for life to one or more investors. The destination fund has a selected...
8447658 Electronic bearer bond online transaction system  
An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with...
8447667 Methods, systems and articles for facilitating loans using income tax refunds  
Systems, methods and articles for online computerized methods and systems for facilitating a loan between a borrower and a lender in a financial services system having a loan processing application...
8442906 Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes  
In some embodiments, a comprehensive computer system and method (See FIGS. 1, 1a, 2) for automating and facilitating the performing and processing of tasks, information transfer, and information...
8442893 Apparatuses, methods and systems for providing a risk evaluation product builder user interface  
The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme,...
8442886 Systems and methods for identifying financial relationships  
Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who...
8442908 Systems and methods for asset valuation  
Systems and methods for asset valuation, whole loan processing and inventory management is described. The systems and methods may include modules. An asset valuation tool may use multiple data...
8442911 Systems and methods for a prepaid interest credit card account  
A system for charging fees to a card holder of a credit card account may comprise at least one subsystem that calculates a prepaid interest amount and at least one subsystem that charges the...
8442846 System and method for managing investment risk in satellite operator companies  
In order to mitigate risk of satellite investment loss, a satellite loss event or failure event for a satellite that will be operated by a satellite operator company is identified. Actuarial data...
8442907 Method, software program, and system for ranking relative risk of a plurality of transactions  
A method for ranking relative risk of a plurality of transactions, wherein each of the transactions has associated therewith a plurality of variables. In one embodiment the method includes...
8442903 Method of collecting delinquent specialized debt  
An internet-based system for organization and collection of specialized debt that is delinquent; an example of specialized debt being healthcare debt.
8442905 System and method facilitating whole loan tri-party repurchase agreement transactions  
A system and method facilitates tri-party repurchase transactions for whole loans. The system and method obtain details regarding a whole loan to be used for collateral in a tri-party agreement...
8442889 Asset allocation based system for individual investor portfolio selection  
A system for allocation asset based portfolio investment and management provides model portfolios which are selected by correlation to investor's responses to a questionnaire concerning time frames...
8442909 Transaction processing entity device support of an integrated offer network  
A method begins by generating, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by: compiling, for one issuer device,...
8438104 Using a transaction card account to make recurring loan payments  
Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding...
8438643 Information system service-level security risk analysis  
Information system service-level security risk analysis systems, methods, and Graphical User Interfaces are disclosed. Assets of an information system that have relationships with a service...
8438096 Loan information analysis system and method  
Computer-implemented methods and systems for evaluating residential mortgage loan backed security products in which electronic loan data for the same individual loans is received from two or more...
8438045 Data processing system for providing an efficient market for insurance and reinsurance  
A data processing system is disclosed that provides an efficient market for: (1) the provision of insurance and reinsurance between insurers and those seeking insurance and reinsurance, and (2) the...
8438106 Medical savings accounts with investment and loan-account access  
Methods and systems are disclosed for managing a medical savings account that invests funds in investment accounts. A request is received for payment of a healthcare expense incurred by a party...
8438093 Method and system for contracting producer milk on a class III basis  
A system and method to: Protect the process used to hedge Class II handler milk price exposure and to allow the Class II handler to control the use of the process for its customers, producers, or...
8438098 Method for funding a charity using a prepaid card  
A method of charity funding, using prepaid cards. A winner of a charity lottery is provided with a prepaid card having, as an initial balance, the lottery winnings. As part of the card activation...
8438105 Method and apparatus for development and use of a credit score based on spend capacity  
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance tra...
8438048 Systems and methods for integrated purchasing of vehicles and vehicle insurance  
A system implemented on one or more computer processors for integrated purchasing of vehicles and vehicle insurance may comprise at least one subsystem configured for electronically receiving...
8438108 System and method for transferring mortgage loan servicing rights  
A method for facilitating the sale of a loan having a loan asset and a service asset is provided. The method includes the steps of receiving a bid from one or more servicers for purchasing the...
8433649 Collateralized loans with periodic draws subject to a triggering event  
This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing...
8433645 Methods and systems related to securities trading  
At least one exemplary aspect comprises a method comprising: (a) receiving electronic data describing a trading order for a market-traded security; (b) checking the data describing the trading...
8433633 System for real time continuous data processing for investment portfolios  
A real time continuous data inputting, processing, scanning and displaying system for financial data and inputting variable boundaries of data for a variety of desired data characteristics. The...
8433648 Method and system for engaging in a transaction between a consumer and a merchant  
Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a...
8433631 Method and system for assessing loan credit risk and performance  
A method and system for evaluating the performance of a study group of loans relative to the performance of a control group of loans is presented. The described method includes determining a study...
8433588 Customizable insurance system  
An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant...
8433647 Method and system for processing electronic checks  
In one embodiment, software is operable to identify checking account information from a repository, with the checking account information associated with a transaction. The software automatically...
8433638 Systems and methods for providing investment performance data to investors  
Systems and methods for generating a performance index are described. A rank score is generated for each investor relative to a group of investors of which the investor is a member. Generation of...
8433650 Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes  
In some embodiments, a comprehensive computer system and method (See FIGS. 1, 1a, 2) for automating and facilitating the performing and processing of tasks, information transfer, and information...
8429050 Method for detecting ineligibility of a beneficiary and system  
A method and system are presented for identifying improper benefit payments to an ineligible beneficiary. Record data may be accessed from a financial institution and may be analyzed to identify...
8428971 Insurance coverage analysis  
An improved insurance coverage analysis method, system, and computer program. All insurance policies owned by a particular business and its alternate entities are processed. Key data from the...
8429059 Method and system for providing electronic option trading bandwidth reduction and electronic option risk management and assessment for multi-market electronic trading  
A method and system for providing electronic option trading bandwidth reduction and risk management and assessment for multi-market electronic trading. Data streams including electronic option...
8429072 System and method for processing microtransactions  
Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase...
8429057 Systems and methods for creation, issuance, redemption, conversion, offering, trading, and clearing a debt obligation convertible into cash plus a spot foreign exchange contract that is priced to reflect the value of the debt obligation in a base currency in relation to the value of a reference currency  
Securities trading systems and methods for creating, issuing, offering, trading, redeeming, converting, and clearing a novel debt obligation convertible into cash plus a foreign exchange spot or...
8429538 System and method for generating graphical user interface  
An automated method for generating Graphical User Interfaces (GUI's) is illustrated in the context of a system for processing financial applications. In one embodiment, the GUI generator converts...
8429067 System and method for detecting changes in business stability  
A system for detecting changes in business stability is provided. The system includes a merchant system that receives periodic payment data from one or more users, such as credit card transaction...
8429055 Method for internet bidding  
A method of Internet bidding wherein a plurality of bidders bid on the item in a first episode of bidding until a deadline occurs. Within a time frame at the deadline, actual bidders from the...
8429066 Aggregated trading system  
A trading system is described herein for hosting a collection of one or more electronic exchanges. The collection of electronic exchanges may be made up of separately designated exchanges under one...
8429065 System and method for determining the market risk margin requirements associated with a credit default swap  
Determination of a margin requirement associated with a plurality of financial instruments within a portfolio is disclosed for analyzing the portfolio including determining a first and second...
8429068 Data aggregation for transaction banking partnerships  
A system and method to assign a score to an entity involved in a transaction where the score is used to manage risk for a transaction underwriter. In particular, the score represents the ability of...
8429069 System and method for processing microtransactions  
Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase...