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8671050 Systems and methods for funding and binding auto loans  
A way to facilitate the use of funds from an automobile loan is provided. The vehicle identification number of the automobile the loan applicant wishes to purchase is used to activate the funds of...
8666882 Computerized mortgage foreclosure-capping system  
Computerized capping of mortgage foreclosures.
8666883 Transactions for preventing loan defaults, short sales, and foreclosures  
A transaction process prevents short sales and foreclosures by changing a mortgage loan balance. Once it has been established that a borrowing owner of a home serving as collateral for a mortgage...
8666886 System, program product, and method for debit card and checking account autodraw  
A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes...
8666861 Software and methods for risk and fraud mitigation  
Systems and methods for risk and fraud mitigation are presented. According to one or more aspects of the disclosure, a plurality of transactions may be processed without applying one or more active...
8666881 Loan management system and method  
A loan management system and method includes an alternative repayment amortization method. Each installment on repayment of the loan includes an equal fixed principal repayment amount and an...
8666872 Electronic spread trading tool  
A versatile and efficient electronic spread trading tool to be used when buying and selling comparable commodities either simultaneously or in conjunction with one another. The spread trading tool...
8666859 Electronic financial management and analysis system and related methods  
A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in...
8666893 Electronic funds transfer authentication system  
Embodiments of the present invention are directed to an electronic funds transfer authentication system and method to facilitate the verification and authentication of a user and the ownership of...
8666885 Customized consumer loan product search system and method  
A method and system for using Loan Level Pricing Adjustments corresponding to specific consumer input to determine or calculate the interest rates of a plurality of loan products, comprising...
8666874 Products and processes for establishing multi-transaction relationships with customers of vending machines  
Disclosed herein are various systems and methods for improving the establishment and management of vending machine subscriptions, including systems and methods for constructing, communicating, and...
8666879 Method and system for pricing forward commitments for mortgage loans and for buying committed loans  
A method for managing best efforts forward commitments for loans to be sold by a lender, where each loan has loan level data and the best efforts forward commitments have commitment data includes...
8666880 System and method for flexible 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...
8666884 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. Personal financial information associated with an individual who is associated...
8666877 Stock ranking predictions based on neighborhood model  
A system and method of aggregating and predicting stock ranking stocks. The novel system and method uses a neighborhood model to aggregate a plurality of “neighboring” or related stocks having sim...
8660926 System for automatically transferring account information, such as information regarding a financial services account  
A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine...
8660944 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...
8660947 Invoiceless trading and settlement method and system  
Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to...
8660922 Methods, systems, and computer readable media for peer-to-peer third party distribution of gift cards and peer-to-peer transaction routing therefor  
Methods, systems, and computer readable media for peer-to-peer third party distribution of gift cards and associated transaction processing are disclosed. In one method, a peer-to-peer gift card...
8660920 Managed deposit program  
A method and machine readable storage for an enhanced return federally insured deposit program. A banking method consistent with the present invention can include receiving deposits from multiple...
8660943 Methods and systems for financial transactions  
Relationship banking and mobile banking are discussed and presented here. In Section 1, we present Pre-approval, Fulfillment, and Application Process. In Section 2, we present Financial Products...
8660940 Automated trading system in an electronic trading exchange  
An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders and/or quotes to an exchange site. The automated trading system...
8660923 Recurring money transfer  
A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a...
8660955 Method and apparatus for consumer driven protection for payment card transactions  
Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information....
8660937 Method, apparatus and system for advancing a bidder to a selected rank  
Techniques for determining a suggested bid value that surpasses a selected bid are disclosed. A user selectable facility is provided. In response to receiving a selection event associated with the...
8660918 Virtual financial aid office  
A virtual system and method is disclosed for administering, evaluating, and processing financial aid for post-secondary students. The subject virtual system is preferably hosted in a web-based...
8657197 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...
8660941 Method and system for providing a multi-channel virtual collections center  
An integrated multi-channel virtual collections center and methods for using the same are disclosed. The collections center may include a program management module, a communications module and a...
8660946 Apparatuses, methods and systems for a trackable virtual currencies platform  
Method for detecting fraud includes receiving a fraud alert. The fraud alert is investigated by analyzing social graph information and other available information of one or more users associated...
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...