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8626637 Apparatus, method and system for providing an electronic marketplace to join a trade for credit default swaps and other financial interests, and to deal-by-volume for the interests  
A computer-implemented method of trading an interest, which includes executing a trade for the interest between counterparties, locking the interest for further executions, providing an opportunity...
8626643 System and method for a utility financial model  
A utility financial model involves the setting of a new utility rate after the introduction of a new utility technology that provides immediate capacity relief, reducing the base load capacity and...
8626612 Consolidating leads into a lead group  
In some example embodiments, a system and method are illustrated to consolidate leads received from multiple user devices used by a single user. The system and method may include identifying a...
8626644 Systems and methods for loan option customization  
In a loan option system having a loan server accessible through a network to an external borrower computer and a loan processor for providing loan parameters to the loan server, systems and methods...
8626663 Merchant fraud risk score  
Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service...
8620695 Increasing a policy value account of a life insurance policy based on an economic value of the policy  
The present disclosure describes, among other things, an example method for maintaining an account for a life insurance policy. The method may include determining an amount to apply to the account,...
8620799 Universal ledger  
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes...
8620785 Systems and methods for aggregating data for real-time financial plan  
Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and...
8620784 Formation and rearrangement of ad hoc networks  
Systems and methods for the formation and rearrangement of ad hoc networks and more particularly to systems and methods for sharing bandwidth in ad hoc networks. The method comprises broadcasting a...
8620801 Total structural risk model  
The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically,...
8620802 Consumer-level financial performance analysis  
A method of evaluating customers is provided. The method is used for customers of two or more divisions of a business. The method involves collecting information indicative of the customer's...
8620809 Integrated technology money transfer system  
Money transfer method and system for quickly and easily sending cash from one party via electronic mediums such as phones and computer modems using one of a credit card, debit card, ATM (automated...
8620798 System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials  
An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the...
8620800 Determining patent infringement risk exposure using litigation analysis  
Methods, systems, and techniques for estimating patent infringement risk for a company using a statistical model of revenue are provided. Examples also provide a Patent Infringement Risk Assessment...
8620797 Systems and methods for streamlined purchasing  
Systems and methods for streamlined purchasing are described herein. The method may include receiving application to finance an item, approving the application and providing a financial document to...
8619961 Methods, systems and storage mediums for providing a self-provisioning telephony service  
A self-provisioning telephony service includes assigning a toll-free telephone number to a customer account for a customer of a telecommunications provider, distributing the toll-free telephone...
8620787 Processor-based systems and computer-implemented methods for identification, sourcing, and acquisition of distressed debt  
Disclosed herein are processor-based systems and computer-implemented methods for identification, sourcing, and acquisition of distressed debt. At least one embodiment provides amalgamated debt...
8620780 System and method for data management and financial transaction categorization  
A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being...
8615438 Time-dependent response to user-determined unauthorized transaction  
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a...
8615461 System and methods for processing open-end mutual fund purchase and redemption orders at centralized securities exchanges and other securities trading and processing platforms  
A system for processing traditional open-end mutual fund purchase and redemption orders at a server at designated Exchange(s) for receiving order messages from at least one of a plurality of...
8615464 Credit management system and method  
Systems and methods are provided for managing credit information relating to customers and the credit process. A credit management system may include a credit information manager, a credit limit...
8612338 Method, program and apparatus for collecting purchase information using network  
A purchase information collecting method collecting reliable purchase information about any kind of commodity using a network. In the purchase information collecting method, a server apparatus is...
8612340 System and method for detecting account compromises  
A method of identifying a point of compromise includes accessing data stored in a data storage system, the data being associated with a plurality of identified at-risk accounts, identifying a...
8612339 System and method for business online account opening  
A system and method for a business customer interfacing with a financial institution through a computer network is presented. The method includes a determination of whether the customer is an...
8612320 Method and apparatus for detecting fraudulent loans  
The present invention relates to a method and apparatus for detecting fraudulent activity by preventing the rapid funding of multiple loans on the same property, by providing a collective database...
8612322 Method and system for electronic delivery of sensitive information  
A method and related system obtains consent from a user for electronic delivery of sensitive information. The user operating a first computer accesses a web page on a server system to input the...
8606666 System and method for providing an aggregation tool  
Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface...
8606680 Method for trading and clearing variance swaps  
In accordance with the principles of the present invention, a method for trading and clearing a volatility or variance-defined, standardized derivative financial instrument is provided. A financial...
8606604 Systems and methods for remote electronic transaction processing  
Embodiments of systems and methods for enabling communication between vendors and individuals qualified to offer financial products, insurance products, warranty products, and/or other products and...
8606691 System, method and computer program product for determining loan purchase eligibility  
A system, method and computer program product for determining purchase eligibility of a financial product; including, classifying the financial product according to an ontological model into one or...
8606694 Online registration system for CROA-compliant credit advice services  
Systems and methods for registering consumers for credit repair counseling may include use of electronic signatures and/or authorizations, electronic delivery of documents (e.g., consent and...
8606688 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...
8606695 Decision making engine and business analysis tools for small business credit product offerings  
Tools, strategies, and techniques are disclosed for matching the needs of small business owners with credit products offered by lenders such as banking institutions, alternative lenders, and...
8606696 Assessing consumer purchase behavior in making a financial contract authorization decision  
A method includes: receiving a request corresponding to a prospective customer for at least one of a new service contract and sale of a product, the request including purchaser data specific to the...
8606692 Processing loan transactions  
In an exemplary embodiment, a method includes receiving first financial information associated with a first loan system, wherein the first financial information is in a first format associated with...
8606693 Systems, method, apparatuses, and computer program products for facilitating product transactions  
Methods, apparatuses, and computer program products are provided for facilitating financing of a product transaction. A method may include determining a maximum available back-end product for the...
8606662 Methods and systems for managing co-brand proprietary financial transaction processing  
A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing...
8606678 Interactive and collaborative financial customer experience application  
Systems, methods, and computer program products are provided for an interactive financial customer experience that allows collaboratively selecting financial products for a customer. The customer...
8600894 Three-stage, double blind credit rating of securities  
Disclosed is a computer-implemented system and method for rating an asset, and, in embodiments, a system and method for performing a double-blind, three stage credit rating of a securitized...
8600876 Customer assistance system  
An apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may...
8600866 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...
8600878 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...
8600781 Method, software program, and system for structuring risk in a financial transaction  
The invention relates to a computer-implemented method, system and non-transitory medium for managing debt instrument. Insuring for a default of a debt is managed by establishing an insuring debt...
8600871 Credit and prepaid financial card  
A financial card is issued to a user that is set to behave like a prepaid card as the card can only have a positive balance, and funds may be added to this balance to be spent. At any time, the...
8600873 Managed real-time transaction fraud analysis and decisioning  
A system, apparatus, and method for providing real-time or pseudo real-time processing of transactions for a set of clients using a common or partially common rule base. Each client is assigned to...
8600875 Authentication process using search technology  
Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is...
8600870 Distributed scoring of data transactions  
A data transaction is associated with a plurality of remote data sources so that a score may be generated that characterizes the transaction. The remote data sources are polled to obtain partial...
8600867 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...
8600874 Venture capital transaction with a university scholarship  
A technique involves providing an actual cost commitment and investing a retail value of the actual cost commitment to a student venture, and receiving a return on the retail value and a return on...
8600877 Customer assistance system  
In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a...