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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...
8429070 Real time adaptive control of transaction review rate score curve  
Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to...
8423450 System and method for processing data pertaining to financial assets  
A method of processing data in connection with a security is provided. The security is collateralized by a plurality of home mortgage loans or by portions of the plurality of home mortgage loans....
8423452 Systems and methods for scheduling and tracking bank account activity  
A computer-assisted method for alerting a user of a potential negative balance condition in a financial account. The method includes estimating a future account balance of the financial account and...
8423451 System and method for processing a loan  
A computer-implemented data processing system for managing processing of mortgage loan applications comprises task manager logic configured to generate a first list representing a first plurality...
8423455 Retailer debit card system  
Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes...
8423449 Consolidated sales, marketing, and customer support system for financial products  
A method includes accepting financial product information through a provider computer; accepting advisor information and client information; allowing access to a portion of the financial product...
8423460 Method of settling commercial indebtedness  
A method whereby vendors and purchasers settle invoices and account for sales taxes, integrated with the drawing, accepting, guaranteeing, endorsing, discounting, presenting, and cash settlement of...
8423454 Determining leading indicators  
Embodiments of the present invention relate to methods and apparatuses for determining leading indicators and/or for modeling one or more time series. For example, in some embodiments, a method is...
8423456 Methods and systems for opening and funding a financial account online  
Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The...
8423453 Systems and methods for processing a transaction  
A system and method for processing a transaction by identifying a credit account and a demand deposit account, receiving transaction data associated with a transaction initiated by an account...
8422652 Device and method for managing communication credits associated to use of services by a terminal  
This client device (20) is able to use a service on a telecommunications network (1). It includes means (21) for storing a call credit (C_S1, C_S2) associated with that service and means (30) for...
8417600 Systems and methods for graduated suspicious activity detection  
Systems and methods for evaluating electronic value transfers. Various of the methods include graduating a defined affinity between transactions to increasing levels of scrutiny. At an increased...
8417625 Apparatus and methods for facilitating real estate transactions  
Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so...
8417638 Multiple party on-line transactions  
A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how...
8417602 Method for using environmental classification to assist in financial management and services  
Managing risks of crop production can be performed by understanding the relative performance of different agricultural inputs under the same or similar environmental conditions. In addition,...
8417624 System and process for protected retirement asset management  
In one aspect, the invention comprises a system for the management and administration of a longevity policy funded by a retirement account comprising: (a) a means for creating a customized...
8417626 System and method for sports betting  
A method of providing an account is provided. The method includes receiving identification information associated with a user during a communication session. The method further includes...
8417587 Method and apparatus for custom strategy specification in a hosted electronic transaction service system  
A merchant generates a customized service strategy related to a suite of electronic transaction services hosted by a service provider. The custom strategy specifies services to perform, and...
8417635 System, method, and computer program product for saving and investing through use of transaction cards  
A system, method, and computer program product are used for saving through use of transaction cards. This is done through associating a transaction account of the transaction card with one or more...
8417627 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,...
8412944 Document certification system and method  
A professional subscriber station, a document authority station and a client station are provided. The professional subscriber station has a first electronic device for creating a document for...
8412643 Apparatus, system, and method for quantifying, bundling, and applying credits and incentives to financial transactions  
An apparatus, system, and method for quantifying, aggregating and bundling green incentives based on green construction enables applying at least a portion of the credits/incentives to financial...
8412563 Method and system for analyzing and optimizing distribution of work from a plurality of queues  
A method and system for analyzing and optimizing the distribution of work from a plurality of queues includes storing historical data in a database. The historical data may include sets of...
8412600 System and method for pool risk assessment  
A system and method for assessing risk is provided. The method comprises determining an investment index associated with investment by an insurance company in an insurance pool. Next, the method...
8412619 Systems and methods regarding targeted dissemination  
One exemplary aspect comprises a computer-implemented method comprising: (a) electronically receiving, from a first securities market participant, data including information related to a first...
8412601 Method and system to evaluate anti-money laundering risk  
A method to evaluate anti-money laundering risk may include identifying a person or other legal entity to be evaluated. A country may be selected associated with the person or other legal entity....
8412622 Systems and methods for determining a financial health indicator  
Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of...
8407144 Vehicular-based transactions, systems and methods  
Various systems and methods are described for conducting and staging money transfer transactions from a vehicle. The systems and methods may include using a wireless transmitter on board the...
8407142 Managing a universal payment account  
To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs,...
8403209 Dynamic hold decisioning using adjusted deposit amount  
Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that...
8407115 System and method for monitoring, controlling, and displaying utility information  
A system and method for monitoring, controlling, and displaying utility information is provided. A collar communicatively connected to the utility meter monitors power usage and provides usage...
8407138 System for resolving transactions  
An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number...
8407136 System and methods for providing starter credit card accounts  
A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present...
8407137 Pay yourself first with user guidance  
The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. The system...
8407139 Credit risk evaluation with responsibility factors  
A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle...
8401966 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....
8401948 Method for implementing a virtual community of investors having investment portfolios  
A system and method for providing analytical tools for a community of investors having investment portfolios. A first tool provides an indication of a user's selection effectiveness regarding the...
8401961 Method for structuring a supplemental interest mortgage  
A system and method of structuring a supplemental interest mortgage is disclosed. A principal debt obligation and a supplemental debt obligation based on the principal debt loan are secured by a...
8401960 Online credit escrow service  
The online credit escrow service is a method of protecting the credit of debtors who are paying back their debts. The method involves a third party as an intermediary between the debtor and the...
8401953 Methods and systems for valuing investments, budgets and decisions  
A computer implemented method of making an investment value decision through modeling an investment's expected cash flows, each expected cash flow represented on the display device of a computer as...
8401956 System and method for transferring longevity risk  
A method for transferring longevity comprising: receiving an order to trade a financial instrument associated with at least one asset or liability affected by longevity risk; calculating a...
8396789 Credit-approval decision models  
Embodiments of the present invention evaluate consumer spending and borrowing patterns and, based thereon, forecast changes in consumer failure to repay rates. Embodiments of the present invention...
8396725 Method and system configured for facilitating management of international trade receivables transactions  
A receivables transaction management platform is configured for facilitating management of international trade receivables transactions. The platform includes a task manager layer and a platform...
8395796 Information processing apparatus, image processing apparatus, information processing method, and information processing program which outputs information in the form of a report  
A disclosed information processing apparatus enables the output of various information managed by the apparatus in the form of a report adapted to user requirements in terms of format and output...
8396791 System and method for assessing and managing financial transactions  
A financial terms alert generation system comprises an information retrieval module, a financial terms comparison module, and an alert transmission module. The information retrieval module is...
8396788 Cost-based deployment of components in smart item environments  
One or more distributions, to service execution environments, of component services associated with a composite service associated with an analysis of data generated by one or more sensors, may be...
8396799 Media device payments remote control personalization and protection  
A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of...
8396790 System and method for financing commercial transactions  
A method for financing a commercial transaction between a supplier and a buyer, including engaging a buyer receiving goods or services under terms of trade credit from a supplier of goods or...