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8301547 Trading system  
A Computer apparatus configured to process transactions in fungible assets on behalf of account holders on a client controlled, order by order basis, via account controlled and configured private...
8301525 Method and system for managing communication of information  
A method and system of managing communication of information to a destination utilizes computer hardware and software and a client-server architecture. The system receives information in file form,...
8301554 System and method for managing meetings budgets and allocating and reconciling expenditures  
A system, method, and computer program product for managing meetings and allocating and reconciling expenditures. Scheduling information for a plurality of meetings is stored in a database. A...
8301555 Pre-approved customer acceptance validation  
In general, embodiments of the invention relate to systems, methods, and computer program products for producing a financial offer that is specific to a customer and storing the electronic...
8301552 System and method of implementing massive early terminations of long term financial contracts  
A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station...
8301530 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...
8301519 Methods and apparatus for analyzing revenue cycles of a facility  
The present disclosure provides methods and apparatus for analyzing the revenue cycles of a facility to more accurately predict future financial performance. Using the methods and apparatus...
8301553 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...
8301551 System and method of implementing massive early terminations of long term financial contracts  
A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station...
8301556 Method for transmitting a code  
The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code...
8297501 Method and system for assessing merchant risk during payment transaction  
A consumer tenders a transaction card to a merchant to purchase a good or service. A merchant payment device, such as a payment terminal or mobile communication device, processes the payment...
8301537 System and method for estimating portfolio risk using an infinitely divisible distribution  
A system and method for estimating portfolio risk using an infinitely divisible distribution is provided. A time series comprising a plurality of risk factors applicable over at least one time...
8301557 System, program product, and method to authorized draw for retailer optimization  
A line of credit optimized for a retailer and attached to a customer account at a financial institution is established for a customer of the retailer. A financial institution computer determines...
8301469 Mortgage insurance system  
Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and...
8301539 Order processing for automated market system  
An electronic market for trading of securities includes a plurality of client stations for entering quotes for securities and a server process that receives quotes from the clients, aggregates the...
8301566 System and method for providing a financial transaction instrument with user-definable authorization criteria  
Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction...
8296224 Constrained optimized binning for scorecards  
Computer-implemented systems and methods are provided for generating bins for a scorecard. An approximate set of bins is generated by applying an optimization model to binning data. The...
8296227 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products  
Systems, computer programs encoded on non-transitory memory, and computer-implemented methods to make available new credit or additional credit to demand deposit accounts, prepaid cards, and...
8296223 System and method for processing duplicative electronic check reversal files  
Processing duplicate items in image cash letter (“ICL”) reversal files for efficient handling. A duplicate item processing module can receive ICL reversal files comprising items representing dup...
8296226 Apparatus, system, and method for an asset-backed purchase card  
An apparatus, system, and method are disclosed for an asset backed purchase card. The present invention includes a house account comprising one or more assets, each of the one or more assets having...
8296232 Systems and methods for screening payment transactions  
Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first...
8296449 Systems and methods for calculating a distribution  
Systems and methods are provided for calculating a distribution of a quantity over receiver objects. In one implementation, a data processing system is provided that comprises application programs...
8296216 Directed order processing for automated market system  
An electronic market for trading of securities includes a plurality of client stations for entering quotes for securities and a server process that receives quotes from the clients, aggregates the...
8296222 System and method for assigning responsibility for trade order execution  
An embodiment of the present invention provides a system and method for a sponsoring organization to: (1) utilize a rules-based computer system to capture trade orders from sub-advisors (money...
8296225 Time-efficient and deterministic adaptive score calibration techniques for maintaining a predefined score distribution  
A system and method for maintaining a pre-defined score distribution for financial transactions are disclosed. A number of memory spaces are defined for a memory structure. Transaction data for the...
8296221 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...
8290840 Method for determining insurance benefits and premiums from dynamic credit information  
Methods for obtaining credit life insurance for an individual via a service organization are provided. In one embodiment, the method includes the steps of: 1) registering the individual with the...
8290864 Method and system for facilitating credit transactions  
Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash-withdrawal transaction amount, into periodical installments by...
8290853 System, method, and program product for foreign currency travel account  
Systems, program product, and methods for securing or procuring destination currency funds for a traveler to be used for travel in a destination country commencing at a scheduled future travel...
8290856 Method for determining insurance benefits and premiums from credit information  
The invention is a method of obtaining credit life insurance for an individual by means of a service organization. In detail, the steps include: 1) registering the individual with the service...
8290854 Securitization of a commercial transaction  
A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due...
8290798 Determination of surety quote metric  
Systems, apparatus, interfaces, methods, and articles of manufacture that provide for surety product underwriting. In some embodiments, for example, the process of underwriting (e.g., quoting...
8290847 Methods, apparatus and computer program products for use in association with joint ventures and/or potential joint ventures  
An apparatus, computer product, and a method for use in association with a joint venture are disclosed. The method including receiving information associated with a joint venture; determining an...
8290793 Method and system for determining a risk of losses  
A method and a system for determining a risk of losses, which can be implemented as a computer-implemented method and a computer system for determining for an institution the risk of losses...
8290846 Method of providing catastrophic loss protection through a mortgage  
A catastrophic hazard protection (CHP) mortgage may be provided on real property or structure(s) on the real property of a owner. The CHP mortgage may be structured to include financial protection...
8290857 Systems and methods for credit management risk rating and approval  
A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given...
8285610 System and method of determining the quality of enhanced transaction data  
A system is provided for determining the quality of merchant supplied enhanced data related to financial transactions performed by holders of financial presentation devices such as credit cards....
8285620 Methods and systems for building and managing portfolios based on ordinal ranks of securities  
A system, method, and computer-readable medium are provided for managing a portfolio using financial instrument rankings. A processor determines portfolio weights for financial instruments based on...
8285631 Method and system for structuring the ownership of an investment  
A method of structuring ownership of an invention including the steps of receiving an investment commitment and a capital contribution from at least one investor, investing the capital contribution...
8285637 Authorization request for financial transactions  
Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated...
8285636 Methods of monitoring behavior/activity of an individual associated with an organization  
A cooperative arrangement and method to monitor behaviors and other activities by an individual in an organization are disclosed. A personal financial disclosure statement, personal financial...
8285634 System and method for facilitating unified trading and control for a sponsoring organization's money management process  
An embodiment of the present invention provides a system, method, process, software and standards that enable a unified trading and control process utilized by sponsoring organizations and asset...
8280807 System of transferring and utilising reusable credit  
The present Invention provides a system of transferring and utilizing reusable credit including a server having at least one database, at least one credit account having at least one line of...
8280802 System and method for decisions in trading financial instruments  
A computerized system alerts a change in direction of the price of a tradable financial instrument. The system plots a resistance line, a support line, and a transition point at which the price is...
8280800 System and method for an exchange of financial instruments  
Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and...
8280806 Systems and methods for determining the likelihood that a loan closes  
Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a...
8280778 Mortgage and real estate data integration and presentation system  
A method of presenting real estate data is provided. A plurality of property listings can be presented, and a selection of one of the presented property listings may be received from a user. The...
8280805 Computer-implemented risk evaluation systems and methods  
Computer-implemented systems and methods are disclosed herein that relate to processes, which construct an empirically derived and statistically based risk evaluation and policy formulation system....
8280796 Method for aggregating and valuing intellectual property in an exchange  
The present invention relates to methods of aggregating and valuing intellectual property in a financial exchange. The present invention provides means whereby holders of intellectual property...
8280761 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...