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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...
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...