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8078491 |
System for card activity-based residential crediting
An electrical digital computer machine and a data processing system, methods of making and for using the machine, products produced thereby, as well as data structures and articles of manufacture...
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8078527 |
Methods and systems for actively optimizing a credit score and managing/reducing debt
The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances,...
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8078738 |
Systems and methods for calculating a distribution
Systems and methods are provided for calculating a distribution of a quantity over a number of receiver objects. In one implementation, a data processing system is provided that comprises a number...
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8078543 |
Method and system for managing and preparing documentation for real estate transactions
A method and system for preparing and managing real estate transfers and financing, including a system for preparation, production and storage of relevant documentation and the data contained...
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8078524 |
Method and apparatus for explaining credit scores
The invention comprises a method and apparatus for explaining credit scores, for example in connection with a credit score explanation service, in which consumers can identify the sources of...
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8078529 |
Evaluating customers' ability to manage revolving credit
Embodiments of the present invention relate to systems, methods and computer program products for evaluating customers' ability to manage revolving credit. To do so, for example, embodiments of the...
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8078528 |
System and method for providing borrowing schemes
The method according to exemplary embodiments comprises establishing an interest-free revolving amount or account, establishing a periodic payment for maintaining the interest-free revolving amount...
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8078530 |
Consumer behaviors at lender level
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More...
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8078525 |
System and method for providing services to a client
A method is provided for a service provider to automate service tasks for a client where the client would otherwise need to perform the tasks. The method can be implemented using computers and the...
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8078518 |
ATM exception balancing system
An ATM exception balancing system is disclosed. Embodiments of the invention provide a method of resolving image ATM transaction exceptions and enabling reconcilement of ATM transactions. An...
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8073717 |
Systems for digital management of underwriting insurance contracts
Disclosed are systems for underwriting insurance contracts. In one embodiment a system comprises a rules database of business rules specifying one or more conditions based upon one or more...
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8073750 |
***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Computer support for multi-jurisdictional investment
Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including...
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8073759 |
Method and system for predictive event budgeting based on financial data from similarly situated consumers
Financial data associated with one or more “contributing consumers” is obtained from one or more sources. The financial data obtained from the one or more contributing consumers is then agg...
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8073768 |
Credit score and scorecard development
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...
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8073767 |
Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value...
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8073765 |
Computer-based right distribution system with password protection
An automated ticket auctioning system receives and evaluates bid information records received from a plurality of remote terminals. Each bid information record corresponds to at least one bid for...
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8073718 |
Automation of auditing claims
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. Data indicative of a vehicle make and model is received, the data...
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8069085 |
System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on...
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8069109 |
System and method for using diversification spreading for risk offset
A computer-implemented method for analyzing a risk offset associated with a portfolio including a plurality of products traded on an exchange is disclosed. The method includes analyzing, by a...
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8069065 |
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. Financial...
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8069067 |
Computer-based system and method for estimating costs of a line of business included in a multi-line treaty
A computer-based system and a computer-implemented method for estimating costs of a business line included in a multi-line treaty, which can determine the estimated costs for covering the insured...
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8069112 |
Systems and methods for optimization of a financial transaction
A method of determining a structure for financing a consumer product through a computer implemented process according to one embodiment comprising the steps of: receiving one or more fixed inputs...
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8065223 |
Multi-transaction system and method
A multi-transaction system comprises a transaction module configured to access a set of transaction systems to obtain transaction information to enable procurement of an item. The set of...
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8065187 |
System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an...
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8065208 |
Guarantee certificates
Methods and systems are provided for issuing a new type of security, referred to herein as a “Guarantee Certificate,” which offers payments to a holder contingent upon the occurrence of spe...
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8065216 |
Personal point of sale commission rate benchmarking tool
The invention provides a method of displaying an evaluation tool for evaluating a proposed commission on behalf of a professional at the time of carrying out a transaction. Using a principal and...
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8061596 |
System and method for immediate issuance of transaction cards
A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon....
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8065234 |
Methods and systems of predicting mortgage payment risk
Disclosed herein are methods and systems for detecting a risk of payment default. In various embodiments, the systems/methods receive mortgage data associated with a mortgage application of an...
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8065211 |
System and method for creating and tracking agreements for selling loans to a secondary market purchaser
A system for creating an agreement and tracking compliance with terms of an agreement between a seller and a purchaser for the sale of loans includes deal management logic and a rules processor....
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8065225 |
System and method for acquiring a mortgage loan
A computer-implemented method for processing an application for a mortgage loan, such that the mortgage loan is configured to include a set of financial lending requirements and further include...
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8065207 |
Guarantee certificates
Methods and systems are provided for issuing a new type of security, referred to herein as a “Guarantee Certificate,” which offers payments to a holder contingent upon the occurrence of spe...
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8065209 |
System and method for bundling financial services products with a mortgage in connection with a move event
Financial products, such as a mortgage, homeowner's insurance, and various forms of life insurance, can be packaged together and marketed around a move event. A customer can apply for a mortgage on...
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8065217 |
Real-time portfolio balancing and/or optimization system and method
A computer-implemented system and method are described for real-time portfolio balancing and/or optimization of portfolio holdings, preferably in Alternative Trading Systems (ATSs), that reduces...
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8060424 |
On-line method and system for monitoring and reporting unused available credit
The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit...
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8060435 |
Systems and methods for providing a trading interface
Systems and methods for configurable trading interfaces that allow a trader to quickly and easily submit trading commands to a trading system are provided. Using these systems and methods, a trader...
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8060437 |
Automatic termination of electronic transactions
A system and method of terminating a transaction between a merchant and customer are disclosed.
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8060434 |
Computer systems, methods, and devices for trading with an ergonomic interface
Systems, methods, and devices for trading financial instruments with an improved ergonomic graphical user interface (GUI) with non-overlapping screen components that include a display of offers to...
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8060426 |
Transfer instrument
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an...
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8060438 |
Automated loan processing system and method
A browser based automated loan system includes a loan engine offered individually to financial institutions to set up, operate and manage loan product offerings, a consumer website interface having...
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8060436 |
Software application domain and storage domain risk analysis process and method
A method for analyzing management risk of a computer network includes selecting a portion of a storage system, determining a first downtime cost associated with a component included in the portion...
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8060440 |
System and method for modifying attribute data pertaining to financial assets in a data processing system
A processing system for modifying attributes of a plurality of loans is described. The processing system includes an attribute change processor for receiving and implementing a proposed change to...
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8060441 |
Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions....
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8060439 |
Method and system for reporting cashflows to clients
A system and method of providing a client with cashflow monitoring during a transfer of services (e.g. pre-authorized debits and credits) from a first account to a second account, the method...
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8060397 |
Method and system for asset valuation using a statistical approach
The disclosed embodiments are directed to a system, non-transitory computer readable medium and method of determining a value of an asset and presenting a visualization of the determined asset...
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8055564 |
System for automatically transferring account information, such as information regarding a financial services account
A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine...
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8055578 |
Geographic information system for depicting information relating to mortgage lending activity
A system for depicting information relating to mortgage lending activities. A database stores information including demographic, economic, and mortgage lending information used in mortgage lending...
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8055518 |
Method for handling claims arising under representation and warranty insurance for mortgage loans
An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of material inaccuracies in the financial information provided by or on behalf of...
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8055556 |
User interface for rapid entry of timesheet data
A user interface for receiving time entries in a timesheet is described. This user interface includes a user-interface element in the form of a calendar, where the calendar contains one or more...
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8055572 |
Anonymous trading system
An anonymous computerised trading system matches orders by conducting auctions at specified times. As well as entering orders, participants assign credit limits for the duration of the auction,...
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8055580 |
Providing a customer one or more options for increasing a line of credit
A method for providing a customer one or more options for increasing a line of credit includes communicating to a customer one or more solicitations offering the customer a credit account and...
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