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8463686 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...
8463697 Method and system for providing a loan using equity in a new home  
Systems and methods are disclosed for financing a transition of a borrower between ownership of a prior home to ownership of a new home in conjunction with services. The transition is associated...
8463698 Systems and methods to select a credit migration path for a consumer  
According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential...
8459562 System and method for processing transactions using a multi-account transactions device  
A system and method for processing transactions using a multi-account transaction device. The method comprises the steps of: receiving at least one transaction particular relating to a transaction...
8463699 Method and system of determining and applying insurance profit scores  
Preferred embodiments of the invention include a new and innovative method and system of determining a profit score for an individual policy, which score may be used to evaluate the desirability of...
8463685 Masuda stick chart generation and display apparatus  
A stock price chart generation and display apparatus is provided to make future predictions, easily represent prediction results in chart form, provide users with information needed to grasp...
8463692 Method and system to facilitate on-line trading  
A method and system to facilitate on-line trading is presented. An example system, in one embodiment, comprises a web page scanner, a trading control generator, an event detector, and a trading...
8458086 Allocating partial payment of a transaction amount using an allocation rule  
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving...
8458085 Investor social networking website  
A social networking website system for an individual investor to join as a member, to meet online with other investors and discuss investing. The social network facilitates finding and...
8458093 Systems and methods of transferring credit card charge to line of credit  
After a charge has been made with a credit card, the charge may be analyzed to determine if it may be transferred to a line of credit. The credit card may be monitored for purchases that match...
8458063 System and method for profiling consumers and creating a recommended or custom card  
A system, computer product and method for profiling consumers to recommend a financial transaction instrument having benefits tailored to psychographic characteristics of the consumer. A set of...
8458073 Enterprise risk assessment manager system  
A risk assessment manager is an intranet-based software system that provides enterprise-wide automated risk assessment and portfolio management to help companies reduce bad debt, decrease...
8458087 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8458084 Investor social networking website  
A social networking website system for an individual investor to join as a member, to meet online with other investors and discuss investing. The social network facilitates finding and...
8458082 Automated loan risk assessment system and method  
An automated loan risk assessment system and method are described. The system is adapted to receive information about a loan or an insurance application requesting insurance to cover same. The...
8458083 Total structural risk model  
The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically,...
8458068 Monitoring in an automated clearing house processing environment  
Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to...
8458072 System and method for providing a common data and analytic framework for valuating financial instruments and portfolios  
A system for determining the capacity of a geographic area to support a specific product by identifying an index of variables associated with potential buyers in the geographic area. The system...
8458095 Location-based rules for a financial account  
According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The...
8458074 Data analytics models for loan treatment  
Data analytics are provided in loan treatment. Various sources of data may be used to optimize or predict value for a loan. Using machine-learning and/or statistical analysis, loans or treatment...
8452699 Systems and methods for making structured reference credit decisions  
A structured reference credit decision device includes a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other...
8453068 Visualization tools for reviewing credibility and stateful hierarchical access to credibility  
Some embodiments provide a credibility system including an interface portal for presenting a holistic view of entity credibility. To provide the holistic view, the credibility system aggregates...
8452701 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8452700 Systems and methods for implementing an interest-bearing instrument  
Systems and methods are provided that allow a financial instrument to be structured so that the underlying borrowed principal is callable, putable, or both. In one example, a Range Accrual Mortgage...
8452698 System and method for managing credit risk for investment portfolios  
A system is disclosed for enabling a portfolio manager to obtain credit approval for an issuer of securities from a credit analyst. The system includes a relational database containing subjective...
8452697 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Loan lock options
 
Computer-implemented options can be negotiated between two parties, addressing a financial term of a transaction, which financial term is subject to change before it becomes a fixed obligation of...
8452689 Systems and methods of check detection  
A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A...
8452662 System, program product, and associated methods to autodraw for micro-credit attached to 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...
8452708 Universal payment processing  
A computerized universal payment method to allow merchants with differing risk tolerance, transaction fee tolerance, and payment time tolerance to optimize customer payment transactions that have...
8452673 System for processing data acquired from vehicle diagnostic interface for vehicle inventory monitoring  
A system for keeping an inventory of vehicles that serve as collateral for loans provided by a lending entity includes a vehicle monitoring device, a database, and a central vehicle data server....
8452267 System and method for granting access to a system  
A method and system for granting access to a service is based on a received request and a communication between a subscriber, client and a service provider.
8447635 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...
8447688 Risk-based reference pool capital reducing systems and methods  
Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an...
8447689 Calculating credit worthiness using transactional data  
Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and...
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.