| 7035819 |
Method and system for facilitating automated interaction of marketable retail orders and professional trading interest at passively determined prices |
| Apr-25-2006 |
A method and system for an automated trading network that continuously collects invisible, anonymous, binding orders and indications of interest to buy and sell specific equity securities at variable,... |
| 7024395 |
Method and system for secure credit card transactions |
| Apr-4-2006 |
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information.... |
| 7024389 |
System and method for using a payroll deduction card as a payment instrument |
| Apr-4-2006 |
The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an employee's... |
| 7024388 |
Method and apparatus for an integrative model of multiple asset classes |
| Apr-4-2006 |
The invention provides a method and apparatus for combining two or more risk models to create a risk model with wider scope than its constituent parts. The method insures that the newly formed risk model... |
| 7024386 |
Credit handling in an anonymous trading system |
| Apr-4-2006 |
In an anonymous trading system, credit between counterparties is effectively increased by netting buy and sell trades to reflect the true risk to which each party is exposed. Credit limits are adjusted... |
| 7024385 |
Automatic electronic funds transfer system and method |
| Apr-4-2006 |
A method and system for automatically conducting a business transaction between a user and a trader, including the functions of ordering, financial transaction, delivery initiation and data management.... |
| 7024383 |
Online sales risk management system |
| Apr-4-2006 |
A computer-implemented method for providing risk management for online transactions. An exchange price for a foreign currency relative to a base currency is entered into a host computer. The host computer... |
| 7020631 |
Method for mortgage and closed end loan portfolio management |
| Mar-28-2006 |
A method for mortgage and closed end loan portfolio management in the form of an analytic tool designed to improve analysis of past and future performance of loan portfolios. In accordance with one aspect... |
| 7006993 |
Method and apparatus for surrogate control of network-based electronic transactions |
| Feb-28-2006 |
A surrogate system for the transparent control of electronic commerce transactions is provided through which an individual without a credit card is enabled to shop at online merchant sites. Upon opening... |
| 7006992 |
Risk assessment and management system |
| Feb-28-2006 |
A method of analyzing and presenting a series of risk factors associated with the operation of a business, such as a bank. Quantifiable risk factors are identified. Ranges of acceptable and unacceptable... |
| 7004382 |
Payment validation network |
| Feb-28-2006 |
A payment validation network having network of payment validation cells, each of which includes: one or more local qualifier systems for assessing the risk of loss in accepting a check; a service finder... |
| 7003491 |
Methods and systems for a collections model for loans |
| Feb-21-2006 |
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 embodiment,... |
| 7003490 |
Multivariate responses using classification and regression trees systems and methods |
| Feb-21-2006 |
The present invention is a method of allowing inclusion of more than one variable in a Classification and Regression Tree (CART) analysis. The method includes predicting y using p exploratory variables,... |
| 7003489 |
Methods and apparatus for submitting information to an automated lending system |
| Feb-21-2006 |
Methods and apparatus for submitting reports to an automated lending system are described. At a lowest level interface, a user manually submits information via a browser, and at a highest level interface,... |
| 7003486 |
Net-value creation and allocation in an electronic trading system |
| Feb-21-2006 |
An electronic exchange creates and distributes value among trading partners in a trade. Trading agents for the trading partners use a value manager to store true values for a trading element in the trade.... |
| 6999943 |
Routing methods and systems for increasing payment transaction volume and profitability |
| Feb-14-2006 |
Customers often have access to multiple payment methods for any given transaction. In one embodiment of the invention, a merchant obtains information regarding multiple payment methods from a customer,... |
| 6999942 |
User interface system and method for configuring cash flow processing |
| Feb-14-2006 |
A computer-implemented cash flow decomposition and repackaging system comprises processing logic and a graphical user interface which is coupled to the processing logic. The processing logic decomposes... |
| 6996540 |
Systems for switch auctions utilizing risk position portfolios of a plurality of traders |
| Feb-7-2006 |
A switch engine module receive interest rate risk portfolios from a plurality of traders, and for each prospective trader, provides available switches based on positions in other counterparty portfolios... |
| 6993505 |
Method and system for performing CRA, HMDA, and fair lending analysis and reporting for a financial institution |
| Jan-31-2006 |
The present invention discloses a method and system for collecting, standardizing, and analyzing lending data from all the offices of a financial institution, including information on small business, home... |
| 6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| Jan-17-2006 |
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system... |
| 6988084 |
Automated system for analyzing charges and credits of banks and other financial institutions |
| Jan-17-2006 |
A computer-implemented process prepares bank service charge reports for banking activity of a client. An electronic translator is provided for converting service charge items of a plurality of individual... |
| 6985886 |
Method and apparatus for a mortgage loan management system |
| Jan-10-2006 |
The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used... |
| 6985883 |
Credit management for electronic brokerage system |
| Jan-10-2006 |
An anonymous trading system (FIG. 1) identifies the best bids and offers (QuoteSubmit, FIG. 3) from those counterparties (WS A1a1) with which each party (WS A1fb1,... |
| 6985881 |
Methods and apparatus for automated underwriting of segmentable portfolio assets |
| Jan-10-2006 |
A method of valuation of large groups of assets using an iterative and adaptive statistical evaluation to generate asset values is described. Individual asset values are developed and listed so that individual... |
| 6980970 |
Secure networked transaction system |
| Dec-27-2005 |
A method and system for approval by a verification computer of an online transaction between a user computer and a merchant computer over the Internet. The user computer transmits a transaction request... |
| 6980969 |
Methods and apparatus for allowing internet based purchases based on a temporary credit card number |
| Dec-27-2005 |
The system described herein allows a user to apply for a credit card on-line. If an electronic application is approved, a temporary credit card number is issued on-line for immediate use. The temporary... |
| 6980968 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-27-2005 |
A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The... |
| 6973439 |
Computer network mediated financing method |
| Dec-6-2005 |
In a method for facilitating financing of new technology, a host computer is connected to a global computer network for receiving, over the network from remote computers, information describing purported... |
| 6970842 |
Project docket management apparatus and method |
| Nov-29-2005 |
An exemplary embodiment of a project docket management apparatus includes a processor configured to execute a control program and communicate with a user. In a typical aspect, the processor is located... |
| 6957192 |
System and method for automated credit matching |
| Oct-18-2005 |
The invention includes a method of financing eCommerce purchases including: receiving over the Internet buyer registration information. Then evaluating a credit rating for the buyer and passing over the... |
| 6957191 |
Automated financial scenario modeling and analysis tool having an intelligent graphical user interface |
| Oct-18-2005 |
A financial scenario modeling and analysis tool, including a graphical user interface which enables a user of the tool to create a graphical model of a financial scenario, generally including at least... |
| 6955295 |
Card issuing system |
| Oct-18-2005 |
When a plurality of cards are produced successively, a risk value is calculated in regard to either data deletion or change on the card issue data of each card caused by cancellation of issue or a change... |
| 6955294 |
Apparatus and method for preventing credit card fraud |
| Oct-18-2005 |
A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions.... |
| 6950807 |
System and method for providing financing |
| Sep-27-2005 |
A method of providing financing is provided. The method provides financing for allowing a customer to purchase a product selected from an inventory of products maintained by a dealer. The method includes... |
| 6941281 |
Automated payment |
| Sep-6-2005 |
Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a customer... |
| 6941280 |
Determining intra-day net asset value of an actively managed exchange traded fund |
| Sep-6-2005 |
A system for determining an intra-day net asset value proxy of an actively managed exchanged traded fund and the like includes a trusted computer system that has a physical hardware and operating system... |
| 6938008 |
Loan modeller method and apparatus |
| Aug-30-2005 |
A method for modelling loans comprises allowing a user to enter parameters relevant to the loan, including the loan amount, loan term and interest rate, and then visually displaying information indicating... |
| 6937990 |
System for syndication of insurance |
| Aug-30-2005 |
A system is described for facilitating a syndicated sale of an insurance policy. The system employs a processor and a storage device connected to the processor, and a data receiving device and data output... |
| 6920434 |
Computerized system and method for establishing a loan participation network |
| Jul-19-2005 |
A computerized system and method establishes a loan participation network between a plurality of network members. The network members complete application forms with member data and loan criteria, which... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6910021 |
Financial management system including an offset payment process |
| Jun-21-2005 |
The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset... |
| 6910020 |
Apparatus and method for granting access to network-based services based upon existing bank account information |
| Jun-21-2005 |
A network transaction system applicable to cyberspace banking services using an open network, which allows customers to authenticate themselves through a simplified procedure. A customer's terminal station... |
| 6910015 |
Sales activity management system, sales activity management apparatus, and sales activity management method |
| Jun-21-2005 |
To automatically manage payment of charge produced between an apparatus manufacturer and an information provider, and to promote sales of an information processing apparatus and information contents. There... |
| 6907404 |
Automated investment chart pattern search system for technical analysis |
| Jun-14-2005 |
An automated investment chart pattern search system is provided. The system includes a computer, a historical information database accessible by the computer having historical information for a plurality... |
| 6904414 |
System and method for implementing a mortgage plan |
| Jun-7-2005 |
A system and method for implementing a mortgage plan. Data is input to a computer system regarding the mortgage terms, and the computer system is used to prepare a mortgage document which creates an equity... |
| 6904412 |
Method and apparatus for a mortgage loan originator compliance engine |
| Jun-7-2005 |
The automated compliance engine of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which... |
| 6901406 |
Methods and systems for accessing multi-dimensional customer data |
| May-31-2005 |
Methods and systems for modeling customer data into a multi-dimensional structure for access to enable efficient customer targeting are described. The method includes the steps of compiling data from multiple... |
| 6901387 |
Electronic purchasing method and apparatus for performing the same |
| May-31-2005 |
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various... |
| 6901384 |
System and method for automated process of deal structuring |
| May-31-2005 |
An automated deal processing for customers is disclosed, and includes prompting a customer for at least one deal parameter, such as loan amount, prompting the customer for information relating to the customer,... |
| 6898574 |
Lender and insurer transaction processing system and method |
| May-24-2005 |
A system and method for transaction processing includes a central repository of transaction information which can be accessed by a variety of participants who may be located over a wide geographic area... |
