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7213002 Method and system for investing with a no-loss or low-loss assurance  
The present invention is a method and system for investing with a no or low-loss assurance the aid of an agent. The invention provides a plurality of risk levels having a gain apportionment value...
7213001 Business method for acquisition of debtor real-estate and restructuring of debt  
A method for restructuring the debt of a debtor who has an interest in a distressed property by a third party including the steps of comparing a present appraised value of the property to a total...
7212996 System and method for dynamic, multivariable comparison of financial products  
A multivariable search system for the comparative analysis of financial products allows the user to enter a set of criteria of their choice with desired ranges and in addition, a weighting factor...
7203661 Computers making financial analysis output having property valuations  
A computer system, and methods for making and using it, for manipulating digital electrical signals to produce an illustration of a decomposition of property into separately valued components. The...
7203663 System and method for converting information on paper forms to electronic data  
The invention is a system and method for converting paper forms to electronic data. More specifically, a special purpose system and technique are described for performing the conversion in a manner...
7200571 Computerized auction system for use with multiple purchasing media  
Systems and methods create and maintain an auction server operative to receive requests for displaying auction items. The bid values are displayed and received in units that are specific to a...
7194434 Method for predictive determination of financial investment performance  
A method of predicting the performance of a financial variable having corresponding financial parameters represented by time series of adjacent-in-time series terms. Differential series are...
7194436 Method and system for internet based financial auto credit application  
A method and system are provided which enables automotive dealers to use a standard PC and Internet-type browser software package to enter credit/loan application data over the Internet. Such data...
7191150 Enhancing delinquent debt collection using statistical models of debt historical information and account events  
A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among...
7188084 Methods and systems for determining roll rates of loans  
The present invention, in one aspect, relates to tools for forecasting cash flow and income from a collateral based loan portfolio that are particularly useful in volatile markets. In one specific...
7184982 Architecture for anonymous trading system  
An anonymous trading system suitable for trading foreign exchange or other fungible instruments comprises a network of broking nodes each of which have equal status and each of which perform the...
7181427 Automated credit application system  
A computer based credit application processing system provides a graphical user interface, automatic software update downloading, lender to lender routing of credit applications, and integration...
7181432 Electronic purchasing method and apparatus for performing the same  
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In...
7181418 Internet customer service method and system  
An Internet customer service system ( 10 ) includes a product database ( 22 ) storing product data ( 24,26,28,30 ) associated with products available to a customer. The system ( 10 ) also includes...
7181428 Automated political risk management  
A risk management method and system for facilitating analysis and quantification of risk associated with politically exposed persons is disclosed. A computerized political risk management system...
7177834 Machine-implementable project finance analysis and negotiating tool software, method and system  
A financial simulation computer program product and method to create a project preparation, negotiating, and testing environment using standard project finance tools. A computer usable medium...
7171383 Methods and systems for rapid deployment of a valuation system  
An integrated system organizes a company's experiences, operating procedures, best practices, information sources, competitive information and analytical tools. The goal is increasing profitability...
7171385 System and method for trading off put and call values of a portfolio  
This invention relates to a system and method for valuing a portfolio in terms of its performance relative to a specified benchmark under a range of future scenarios. In particular, the invention...
7167837 Fair-value pricing of a financial asset  
The fair value of a fund is determined by analyzing various factors indicative of how each underlying asset of the fund would be valued on the open market. The fund may be an international mutual...
7167839 Collection agency data access method  
An account data access method allowing access to an agency account database, such as that of a collection or other debt recovery agency, from public sites over a network by agency affiliates and...
7162445 Methods and systems for quantifying cash flow recovery and risk  
A method of valuation of large groups of assets by selecting a lowest variation assumption for asset valuation in order to limit risk includes the steps of evaluating assets by all known valuation...
7161465 Enhancing security for facilities and authorizing providers  
Methods for controlling access to a facility and access to funds from authorizing providers are disclosed. The methods assign an environmental risk profile to the facility and risk factors to the...
7158949 Method for providing property rights based guarantees  
There is disclosed a method of supporting a financial transaction involving an owner of IP rights. A potential guarantor evaluates the IP rights to determine a guarantee value thereof. The...
7155468 Common index securities  
A common index fund system and method enables investment in entities that is indexed to a common index, rather than individual company performance. For small business entities, the creation,...
7149717 Method and system to effectuate multiple transaction prices for a commodity  
A method and system to effectuate multiple transaction prices for a commodity in a market of many buyers and sellers matches buyers and sellers only when they submit the same prices in their...
7149718 Method and system for the creation and communication of notes concerning an auction participant or item within a network-based auction facility  
A method of communicating information within a network-based auction facility includes facilitating creation of a note pertaining to a user or item available for auction via of an on-line auction...
7149713 System and method for automating investment planning  
A computerized scheme automates investment planning for a client. In the scheme, data regarding the client's desired asset allocation, current asset portfolio and preferred domain are input into a...
7146342 Payment system and method for use in an electronic commerce system  
A method and system of payment of goods and services in an electronic commerce system reduces the transfer and processing costs for each purchase made by a customer from a merchant. A customer...
7146159 Over-the-air card provisioning system and method  
A system for over-the-air provisioning of a card on a wireless device is provided. The system includes a wireless device, a provisioning system in communication with the wireless device, and an...
7143936 System and method for calculating expected approval rates  
The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The...
7146337 System and method for originating loans  
The present invention is directed to a method of originating a loan. The method includes the steps of receiving loan request information from an applicant, developing underwriting information...
7146344 Method and system for making small payments using a payment card  
A system for conducting a financial transaction over a payment network is disclosed, which system includes a micropayment system interfaced with the payment network for allowing identification of...
7143062 Electronic cash eliminating payment risk  
A system and method for permitting gold or other commodities to circulate as currency requires a network of system users that participate in financial transactions where payment is made in units of...
7143051 Method and system for quoting, issuing, and administering insurance policies including determining whether insurance policies are self bill or list bill  
Described is a method and apparatus for automatically quoting, processing, maintaining, claim processing, billing, and renewing life, health and related coverages for clients, especially group...
7139731 Multi-level fraud check with dynamic feedback for internet business transaction processor  
An Internet business transaction processor of the present invention has a distributed processing architecture which allows the processing load to be distributed among multiple parallel servers. The...
7139734 Preferred credit information data collection method  
A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the...
7139730 System, method, and computer program product for collateral management operations  
A centralized collateral management operation system that includes a collateral management system (CMS) provider linked to a trading group—a plurality of users (e.g., individuals, corporations,...
7139735 Administration planning system  
A system for preparing an administration plan using a computer, includes an inputting function, a risk calculating function, an optimizing function, and an outputting function. The optimizing...
7136836 Accounting and reconciliation system  
An accounting and reconciliation system includes a seller terminal that receives credit data guaranteeing payment, and payment data. A buyer terminal for a buyer sends purchase request data...
7133935 System and method for real-time electronic inquiry, delivery, and reporting of credit information  
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, via the Internet. In the preferred embodiment, the system...
7127425 System and method for providing a loan to a taxpayer based on a pre year-end tax refund  
A system and method for providing to a taxpayer a loan in an amount based on the taxpayer's estimated tax refund amount due for a current year, the loan being provided to the taxpayer prior to year...
7124111 Service charge adjustment platform  
A method of providing a representative or customer with an opportunity to electronically process a request to adjust, refund or waive a service charge on various products and services, comprising...
7110970 Methods and apparatus for rapid deployment of a valuation system  
An integrated system organizes a company's experiences, operating procedures, best practices, information sources, competitive information and analytical tools. The goal is increasing profitability...
7107239 Further improved system and methods for computing to support decomposing property into separately valued components  
A computer and methods for valuing components temporally decomposed from property, and for producing documentation, including tax and insurance. In one variation, there is a separate market-based...
7107241 System and method for processing a secured collateral loan  
A method of processing a secured loan so as to close the loan in time periods on the order of one hour. The loan process is initiated by accepting a loan application from a borrower. The loan...
7103570 Merchant account activation system  
A merchant account activation system that includes an Internet server that works in conjunction with a master account file operating on a mainframe computer and an expert computer system that is...
7099842 Electronic commerce credit origination method and system  
A credit origination system and method are provided. The inventive method includes the step ( 22 ) of receiving an application for credit from a customer to purchase a product. The application may...
7099843 Reference pools as credit enhancements  
The disclosed systems and methods for hedging risk of differential loss related to separate pools of loan investments use criteria established by the parties for hedging risk of differential loss...
7092905 Systems and methods for the processing of financial transactions  
Systems and methods for processing credit card transactions including an account with a multi-dimensional balance structure, wherein balance segments within the balance structure have...
7089503 Mortgage loan customization system and process  
A computerized mortgage loan system and process to enable borrowers to design mortgage loans that meet their particular individual needs and financial goals, and that can be adapted to fit changing...