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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...
8626131 Methods and systems for retrieving data stored in a database  
A computer-implemented, transaction-making, municipal bond trading system having a capability to conduct a private electronic auction of bid wanteds between a central brokers' broker and multiple...
8626645 System and method for assessing mortgage broker and lender compliance  
Some embodiments disclosed herein are directed to systems and methods for assessing mortgage lender and broker compliance. The systems and methods may receive loan pricing data, underwriting data,...
8626646 System and method for generating a finance attribute from tradeline data  
Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus,...
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...