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8660936 Detection and mitigation of effects of high velocity price changes  
The disclosed embodiments relate to mechanisms to rapidly detect and respond to situations where a market is not operating in a fair and balanced manner or otherwise where the market value is not...
8659605 Graphical representation of financial information  
A first region approximately shaped as a circle represents a first stock market index. A second region approximately shaped as an annular sector represents a second stock market index that is a...
8660942 Loan management system and methods  
A system for managing loans and loan leads is described. The loan and loan lead management system features software and hardware that permit loan applications to be received, submitted, and...
8660939 Method for mortgage customer retention  
This invention relates generally to a method and system by which mortgage customers are linked to their existing mortgage servicer via an improved Internet process for achieving a mortgage...
8660927 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...
8655774 Retailer debit card system  
A method of processing a purchase transaction for one or more items includes receiving, at a central computing network, MICR information associated with a financial account of a customer. The...
8655773 Geo-location based underwriting  
A method for processing financial requests, including: identifying an approval criterion and a predefined proximity for approving financial requests; receiving, from a mobile device of a merchant,...
8655763 Microfinance funds aggregation for a retail investor  
A computer-implemented system and method supporting microfinance funds aggregation for a retail investor are disclosed. A particular example embodiment includes receiving a purchase request at a...
8655754 Intercompany transactions elimination system  
A financial computer system at a holding company receives an approval of an intercompany transaction between two related subsidiary entities. The system generates an eliminating entry for the...
8655759 Controlling a shared service  
A method includes determining whether a first amount of liability contributed by a first subscriber during a provision of a service to the first subscriber exceeds a first balance indicative of a...
8650118 Universal merchant platform for payment authentication  
A method is provided for supporting processing of a transaction conducted between two parties. The method includes: receiving payment information over a communications network at a server...
8650108 User interface for investment decisioning process model  
Systems and methods for prioritizing multiple funding requests within an enterprise are provided. Aspects of the invention may be used in enterprises where separate departments or groups within the...
8650111 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...
8650117 Systems, methods, and computer products for optimizing the selection of collateral  
Systems, methods, and computer program products are provided for increasing the return from a pool of loans for a company involved in the guarantee and securitization of such loans. In one...
8650113 Identification of accounts that are too profitable or too lossy  
An electronic surveillance system or method identifies potentially suspect trading activities by determining when day trading accounts are too consistently profitable or too consistently...
8645263 System and method for risk prioritization  
Methods and systems for risk prioritization allow a user or organization to prioritize various risk items using a knowledge base. The knowledge base may be continually updated and/or improved based...
8645264 Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience  
Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions;...
8645257 System and method for administering investment funds  
A computer system for administering investment funds holding shares of funds includes a processor and a memory storage device in communication with the processor. The processor is adapted to access...
8645197 Method of facilitating contact between a consumer and a requesting entity  
The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the...
8645265 System and method for card processing with automated payment of club, merchant, and service provider fees  
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other...
8645241 E-check and e-commerce  
Methods, systems, and media for processing and clearing a check are disclosed. Embodiments include hardware and/or software for generating an e-check in response to receipt of a paper check, by...
8646073 Detection of account hijacking in a social network  
To protect a user of a social network, the user's activity is monitored during a baseline monitoring period to determine a baseline activity record. If subsequently monitored activity of the user...
8645259 Mitigating risk associated with executing limit orders for trading securities  
Current market price, limit price, and short term volatility define the probability that the market price will reach the desired limit price and that the order will be executed. A computer...
8645266 Universal merchant platform for payment authentication  
A method of processing of a transaction between a first and second party is provided. The first party accepts payment via a plurality of different payment options selectable by the second party,...
8645244 Capital allocation and risk management  
In an approach to financial management, a data representation is formed that defines a number of data elements and relationships between the data elements according to one or more regulatory...
8639617 System and method for forecasting frequencies associated to future loss and for related automated operation of loss resolving units  
Forecasting frequencies associated with future loss and loss distributions for individual risks associated with operating units, each which have a measurable liability exposure, is accomplished via...
8639614 System and methods for trading complex financial products  
A system for managing the formation of and transactions relating to a syndicated loan is described which provides an interface for all active and prospective participants of a syndicated loan to...
8639611 Automated securities trade execution system and method  
An automated securities order execution system includes order entering means for a client to enter an order and at least one filtering means for determining whether the order can be automatically...
8639616 Business to contact linkage system  
Systems and methods for capturing and maintaining business to contact links, where the links comprise a persistent and enduring association between business entities and individuals.
8639607 Conversational dealing in an anonymous trading system  
An anonymous trading system for financial instruments comprises a network of broking nodes each performing a bid and offer matching function and a market view distribution function. Trader...
8639612 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...
8639618 System and method of detecting and assessing multiple types of risks related to mortgage lending  
Embodiments include systems and methods of detecting and assessing multiple types of risks related to mortgage lending. One embodiment includes a system and method of detecting and assessing risks...
8639535 System and method for providing financial products for a deductible portion of an insurance policy  
Methods and systems for providing supplemental insurance to insure the deductible amount of a primary insurance policy are described. In an example, data is received about a first insurance policy...
8639615 Population of application  
Methods and systems for populating an application are described. Data for an application is accessed, including transactional data associated with a user from a computerized database in a system....
8635158 Student loan repayment system  
A student loan repayment system for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a student...
8635145 Method, apparatus and interface for transaction toggling  
A method for submitting transactions from an automated trading tool to an electronic exchange. The method includes defining a proximity limit and automatically generating a transaction for a...
8635140 Apparatuses, methods, and systems for providing a reconfigurable insurance quote generator 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,...
8635137 Automatic savings program  
A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the...
8635131 System and method for managing a transaction protocol  
The invention teaches a system and method for managing a transaction account using the BIN number included in a transaction account number. The transaction account number is provided to a...
8630942 Method of billing a purchase made over a computer network  
A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a...
8630893 Automated omnipresent real-time credibility management system and methods  
Some embodiments provide a credibility management system that aggregates user posts from several social media sites contemporaneously with the posts being published to those sites. The system...
8630926 System, method, and program product for unit transfer fee processing  
A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender or the buyer or seller in a repurchase...
8630922 Escrow accommodation system  
An escrow accommodation system is provided, including a first escrow client subsystem disposed in a first location, said first escrow client subsystem including first software and a first...
8630931 System and method for funding companies  
A system and method for funding investment seeking companies (ISCs), e.g., startup companies, by a funding company is disclosed. For each of the ISCs, in exchange for private equity therein, the...
8626648 Method and system for user signup by a network service provider  
A system and a method for performing purchase transactions over a network are provided. The system includes a server controlled by a service provider, including a link to a network; a processor...
8626641 Deliverable commodity investment vehicle  
A supply of a commodity is owned by an investment vehicle. A sponsor of the investment vehicle receives a delivery application. A custodian stores the supply of the commodity as a collection of...
8626622 System and methods for electronic signature capture in e-contracting transactions  
A system and method for generating, executing and maintaining electronic contracts in connection with indirect financing transactions involving an acquisition by a customer of an asset offered by a...
8626652 Method for electronic transaction settlement  
A method implemented in an electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system...
8626647 Electronic mortgage document certification  
Electronic documents corresponding to executed paper documents are certified. A certifying agent receives an electronic document and a corresponding paper document that had been executed pursuant...
8626642 System and method for dynamically managing a financial account  
The invention is directed towards dynamically managing a financial account based on risk modules, aggregated data, and individual behavior, wherein the risk modules are calculated using current and...