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8346665 Dual-activation financial products  
A system operating in conjunction with a financial account permits joint activation of a card associated with the financial account. An event-detection module detects an event related to the card...
8346658 Line of credit with pre-agreed line increases  
A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line...
8346579 Systems and methods for supporting extended pay date options on an insurance policy  
A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly...
8346639 Authentication of a data card using a transit verification value  
Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string...
8341073 Customized consumer loan product search system and method  
A method and system for searching from a plurality of available, relevant loan products with associated pricing, wherein the searching is based on input consumer criteria, includes creating and...
8341075 Method and system for using a bayesian belief network to ensure data integrity  
The present invention relates to a method and system for assessing the risks and/or exposures associated with financial transactions using various statistical and probabilistic techniques....
8341074 Method and system for reducing the total interest paid on a debt  
A loan repayment system and method comprises a loan account for a purchased item, and a personal fund account used to manage discretionary money. A user deposits discretionary money periodically...
8341072 MLP financing system  
The MLP Financing System extends the properties of shares in a publicly traded entity that does not generate UBITs to create a new asset class that permits the underlying assets to be specifically...
8341076 Automatic overdraft attached to prepaid debit card accounts  
A system for managing financial accounts includes one or more account holders. An account holder data structure is associated with one or more financial accounts. The financial accounts are defined...
8341052 Combined loan and investment system and method  
A combined loan and investment program comprises a computer processor and program code configured to be executed by the computer processor to process financial loan and investment data by...
8335740 Method, system, and computer-readable medium for managing and collecting receivables  
A method, system, and computer-readable medium for managing and collecting receivables are disclosed. Such a method includes providing at least one pre-existing account with first account...
8335741 System and method for interactively simulating a credit-worthiness score  
A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real...
8335738 System and method for a hybrid clock and proxy auction  
This invention defines a computer system for conducting an auction of a plurality of items including receiving bids and determining an allocation of at least one of the items, the auction including...
8335739 System and method for providing credit to a customer based on the customer's preliminary use of an account funded by another party  
A system and method for providing credit to a customer based on preliminary use of an account indicating that the customer is a good credit risk by providing to a customer an offer for a...
8332320 Techniques for remote controlled physical transactions with dynamic key generation and authentication  
Techniques for remote controlled physical transactions with dynamic key generation and authentication are provided. A portable device is accessed remotely and separately from an Automated Teller...
8332312 Communication system and method between a home buyer, seller, strategic business source, and lender  
A computerized system and method are presented for exchanging information between a buyer, a seller, a lender, and a strategic business source. The system permits sellers, lenders and strategic...
8332291 System and method for monitoring managing and valuing credit accounts  
The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG. 1). A plurality of profit driver segments (105) are established. A degree...
8332310 System and method for facilitating the handling of a dispute using disparate architecture  
A system is disclosed for handling post transactional credit disputes in real-time via a variety of transactional environments and architectures. The system includes one or more workstations linked...
8332292 Method and system for securitizing a currency related commodity  
Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established...
8332311 Hybrid account  
A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a...
8326746 System and method for evaluating idiosyncratic risk for cash flow variability  
A Monte Carlo simulation engine configured to perform a primary beneficiary test to determine whether a variable interest entity holder is a primary beneficiary of a financial instrument. The...
8326750 Object oriented financial analysis tool  
A financial analysis program includes an object oriented architecture having a number of abstract classes associated with performing financial calculations. The abstract classes include an...
8326748 Automated loan approval system  
The invention provides a method and system capable of automatic loan approval, in which lenders can both provide information to brokers regarding their loan policies, and in which brokers can...
8326749 Systems and methods of a mortgage pricing service  
Systems, methods, and computer program products are provided for creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset...
8326737 Opening cross in electronic market  
A method, executed in a computer system, for opening an electronic market for trading of a security is described. The method includes receiving by the computer system eligible orders and quotes for...
8322619 Account application product, associated package and method for processing an associated application  
An account application product includes a package, an account identifier and a terms sheet. The package includes a first panel extending from a free edge to a first fold line, a second panel...
8326751 Apparatuses,methods and systems for a trackable virtual currencies platform  
The APPARATUSES, METHODS AND SYSTEMS FOR A TRACKABLE VIRTUAL CURRENCIES PLATFORM (“TVC”) transform user transaction request input via various TVC components into transaction result output. In one...
8326655 System and method of managing an insurance scheme  
A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of...
8326738 Order risk management for derivative products  
Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum...
8326747 System and method for flexible deferred payment terms  
A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard...
8326741 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...
8326723 Risk and reward assessment mechanism  
A data driven and forward looking risk and reward appetite methodology for consumer and small business is described. The methodology includes customer segmentation to create pools of homogeneous...
8326743 Hybrid trading system for concurrently trading combined orders for financial instruments through both electronic and open outcry trading mechanisms  
A system and method of trading combined orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes receiving an...
8326736 Linked displayed market and midpoint matching system  
An automated system for matching orders to buy and sell securities including a displayed market where orders are executed at a BBO price and where information about the market is made available to...
8326709 Automated audit process  
A process for increasing profits of a business engaged in the purchase of large numbers of products and/or products of volatile pricing from numerous vendors that operates to identify pricing...
8321341 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8321262 Method and system for generating pricing recommendations  
Systems and methods for optimizing marketing strategies. Various embodiments implement methods which can include generating a plurality of candidate solutions which satisfy pricing rationality...
8321334 Credit score simulation  
Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the...
8321312 Method and system for organizing tax information and providing tax advice  
A method includes providing to a user a set of computer-executable instructions that, when executed by a user's electronic device, generate a user interface displayable on a display device coupled...
8321333 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...
8321245 Insurance incentive program for promoting the purchase or release of an automobile after an expiration of a lease  
A lessee of an item, such as an automobile, is encouraged to either purchase the automobile at the expiration of the lease, or to initiate a new lease for the same item. If the lessee undertakes a...
8320533 System and method for replying to voice messages left by callers  
An exemplary system and associated method for a communications system allowing responses to messages in an electronic environment are disclosed. The communications need not be based on the same...
8321336 Systems and methods related to lifetime mortgages  
The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase a property, such...
8321319 Rental property investment calculator  
The invention relates to a method for analyzing an investment in a rental property. The method steps include obtaining identification information of the rental property, wherein identification...
8321335 Customized consumer loan search and optimized loan pricing  
The invention relates to methods and systems for presenting a consumer with available loan products with associated pricing comprising comparing the consumer profile to available lender loan...
8321347 Integrated technology money transfer system  
Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S. (point of sale) terminal, live operators, to send cash transfers from a...
8315942 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...
8315935 Method and system for tracking derivatives positions and monitoring credit limits  
A derivatives position tracking system that consists of a centralized trading engine with a trade history database capable of communication with a plurality of counterpart computers via a network...
8316230 Service for determining whether digital certificate has been revoked  
A revocation determination service determines for a client whether a particular digital certificate as issued by a particular certificate authority (CA) has been revoked by such CA. In the service,...
8315943 System and method for generating a finance attribute from tradeline data  
Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus,...