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7496964 |
Method and system for automated risk management of rule-based security
A method for automated risk management may include presenting a rule request graphical user interface (GUI) for a requester to enter information related to a rule request for a rule. The method may...
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7496537 |
User-generated traveler's checks
A system and method for issuing traveler's checks at a user's home or business using the purchaser's own computer system to allow the user to obtain traveler's checks at any time, in any...
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7493282 |
System and method for automated account management
A system and method of managing bank accounts. A bank receives, electronically, from a customer, instructions to open, to update, to debit/credit, and to close bank accounts, such as escrow...
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7490059 |
Methods and systems for consolidating financial reporting information
Methods and systems are provided for providing financial reporting information to a customer. Financial reporting information for a multiple distinct financial accounts is received at a host. The...
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7490064 |
Construction payment management system and method with budget reconciliation features
A system and method for managing a construction payment process. One method embodying the invention can include electronically creating a primary budget for a construction project including at...
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7483853 |
Procurement system which automatically calls for bids on predetermined subjects
A procurement system for procuring a plurality of subjects, comprises a storage, a relation processor, a determining processor, and a bidding processor. The storage is configured to store...
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7483856 |
System and method for effecting payment for an electronic auction commerce transaction
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
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7480730 |
Credit recovery in a credit based flow control system
An apparatus and a method for sender-initiated credit recovery in a closed-loop credit based flow control system, includes assigning a number of credits to a sender unit in the credit based flow...
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7480632 |
Electronic collateral management system and method
A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of...
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7480629 |
Computer process for modeling flow of patients through hospital units
A method of assessing patient flow through a hospital is disclosed. Through the collection of data regarding hospital statistics, a model can be built. Also, an hourly cost can be assigned to each...
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7480633 |
Real-time brokerage account application system and method
A system and method for processing a brokerage account application in a substantially real-time environment, where a host system retrieves Applicant data via a distributed network, communicates...
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7478064 |
System and process for applying for and obtaining universal multiple mortgage underwriting approvals
The present invention provides a system and process for a borrower to obtain a multiple mortgage underwriting approval. Using a borrower device connected to a network, a borrower provides mortgage...
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7475037 |
Guaranteed negotiation system and method
A system and method for facilitating the negotiation of credits. The bank issuing the credit and a nominated bank agree to program conditions pursuant to which the nominated bank, based upon its...
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7472083 |
Document exchange
In an e-commerce context, a method and system are provided for exchanging documents in transactions between partners. The partners are joined in an exchange network and are communicating with each...
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7472089 |
Loan origination system interface for online loan application processing
A loan origination system interface module for processing loan applications from a user through a lender web site is described. The loan originator accesses a lender web site to perform loan...
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7472088 |
System and method for offering a financial product
A system and method for offering a financial product to a customer in real-time while the customer is conducting a transaction over a network. In response to received identification information...
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7472085 |
Apparatus and method for data interchange
An apparatus and method for data interchange provides a universal transaction mechanism for translating and sharing data, particularly financial data, thereby streamlining the exchange of financial...
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7472090 |
Method and system for providing a higher credit limit to a customer
According to one embodiment of the invention, a method for providing a higher credit limit to a credit customer is provided. The method includes opening a credit account for a customer. The method...
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7469227 |
Retail lending risk related scenario generation
Generation of risk-related retail lending portfolio scenarios is disclosed. A selected functional form is used to decompose vintage performance data into a maturation component, an exogenous...
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7464057 |
Method and system for multi-currency escrow service for web-based transactions
A method and system for escrow service for web-based transactions is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions...
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7464054 |
Providing customs information
A method comprising receiving information that establishes an identity of a user, and providing on-line access to customs information from an account-based database.
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7461025 |
Driver amount and count selection processing for financial processing in a relational database management system
A Value Analyzer system is a data-driven computer-facilitated financial model that provides accurate and consistent profitability calculations using account and event data stored in a relational...
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7454379 |
Process for comprehensive financial and estate planning
A process for generating a financial and liquidity estate plan for a client and defining a life insurance product for use therewith. The process includes determining the client's assets and...
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7454383 |
Methods and systems for assessing loan portfolios
Methods and systems for assessing a loan portfolio for variance are described. In an example embodiment, the method comprises the steps of identifying a milestone for at least one loan in the...
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7451114 |
Conducting commerce between individuals
Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a...
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7451113 |
Card management system and method
A method of registering a credit card user's credit card information by a credit card management organization. A card user accesses the card management computer system in a computer network. The...
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7451134 |
Method and apparatus for facilitating data management over a network
A method and apparatus for facilitating data management over a network are described. In one preferred embodiment, a request to display aggregate transaction data for a user is received, the...
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7451095 |
Systems and methods for income scoring
Systems and methods consistent with the present invention provide a score indicating that a stated income is likely to be faulty. In one embodiment, a method includes receiving information...
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7447657 |
Method and systems for handling method level processing in connection with account pricing
A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior...
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7447659 |
Electronic lending and borrowing system
A common forum for borrowing and lending includes a plurality of remote devices associated with respective potential counterparts, a communications network for permitting communication between the...
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7447653 |
Electronic commerce system and computer-readable storage medium thereof
An electronic commerce system, which aids in a purchase and a sale of a commodity, allows the purchase or the sale of the commodity at a more desirable price or under a more desirable condition....
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7444302 |
Online system for fulfilling loan applications from loan originators
A processing and submission client/server system transmits relevant loan information from a borrower to one or more lender computer systems through pre-defined file templates, which are utilized...
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7440919 |
System and method for a financial planning competition
A method for a financial planning competition having at least two phases, an embodiment of the first phase including a written competition including providing a fictitious client profile to...
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7440920 |
Tool for estimating a cost of a trade
The invention relates to a tool for estimating a pre-trade implementation shortfall for financial instruments. Through evaluating a number of factors, including the size of the order, the average...
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7440921 |
System and method for evaluating real estate transactions
Evaluating a real estate transaction based on preliminary data about the transaction. An evaluation system employs a transaction evaluator software module that can receive input about a customer...
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7440913 |
Commodity order system and commodity order method in commodity order system
On the occasion of performing the commodity trading on the Internet, the commodity order system is capable of appropriately checking the credit of a buyer, a seller and, further a distributor, so...
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7437324 |
System and method of tracking bill payment methods
A system and method of tracking bill payment methods which stores details about payment to develop promotions. The system includes a touch screen, keyboard, or other device for recording customer...
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7433842 |
Method and system for effecting straight-through-processing of trades of various financial instruments
A Straight-Through-Processing (STP) trading platform provides a fully electronic and seamless solution to all substantially aspects of the trading cycle for fixed income instruments and other...
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7433845 |
Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions
The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party...
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7430536 |
System and method for assisting a bank in meeting requirements under the community reinvestment act
Systems and methods for assisting a bank in meeting all or a portion of the bank's requirements under the Community Reinvestment Act (CRA) on a tax-advantaged basis. New or existing cash value life...
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7430521 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
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7430537 |
System and method for verifying a financial instrument
A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument,...
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7430535 |
Methods and systems for identifying prospective customers and managing deals
A system including at least one computer configured as a server that contains a database of deal information, business rules, libraries and templates for deals for at least one business entity is...
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7428509 |
Method and system for detecting payment account fraud
A method and system for identifying patterns of payment account (e.g., credit card account) transactions that have a high probability of being part of a fraudulent scheme. Certain merchant accounts...
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7428505 |
Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility
A method of displaying a user interface to harvest feedback information pertaining to transactions facilitated by a computerized transaction facility includes the display of multiple feedback...
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7428507 |
System and arrangement for processing payments for purchases through a payment server
A system and an arrangement that process payment requests received from a number of distinct data communication devices via respective communications channels and consistent with different...
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7426492 |
Systems and methods for facilitating commercial transactions between parties residing at remote locations
The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals,...
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7424451 |
System and method of solving optimization problems using prestored advanced bases
A system, computer code, and method are disclosed for solving optimization problems using prestored data groups pertaining to a plurality of anticipated optimization problems, whereby optimization...
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7421406 |
System and method for asset accumulation and risk management
The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection....
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7421409 |
Method and system for identifying teaser surfers with time series credit history
Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened...
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