| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6877656 |
Systems, methods, and apparatus for instant issuance of a credit card |
| Apr-12-2005 |
Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes... |
| 6859788 |
Automated assessment of personal financial risk tolerance |
| Feb-22-2005 |
A method and system for the automated assessment of personal financial risk tolerance comprises a data means for receiving responses to a series of questions, with each response being one of a number of... |
| 6859785 |
Diagnostic method and apparatus for business growth strategy |
| Feb-22-2005 |
A method and apparatus for quantitatively determining the optimal mix of strategies to drive growth (i.e., in company profits). The growth strategy mix includes a reenergize component, an adjacency component... |
| 6856973 |
Methods and systems for assessing creditworthiness of a country |
| Feb-15-2005 |
A method for assessing the credit worthiness of a country is disclosed. The first step of the method is to create a database of economic scores for the country based upon a variety of economic factors.... |
| 6856969 |
Bi-currency debt contract system and procedure |
| Feb-15-2005 |
A bi-currency debt contract system for making secure debts and including guidelines and an associated procedure particularly adaptable for issuing debt of a hard or stabilized currency, such as but not... |
| 6853984 |
Method and apparatus for credit card processing via facsimile |
| Feb-8-2005 |
A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center.... |
| 6850908 |
Methods and apparatus for monitoring collateral for lending |
| Feb-1-2005 |
Methods and apparatus for monitoring, for example, accounts receivable, accounts payable, inventory, trading partners, chart of accounts, invoices, and/or payments, using a process management and workflow... |
| 6850643 |
Methods and apparatus for collateral risk monitoring |
| Feb-1-2005 |
Methods and Apparatus for monitoring collateral risk are described. In one embodiment, the method includes monitoring, for example, accounts receivable, accounts payable, inventory, trading partners, chart... |
| 6847946 |
Multi-note method and system for loans based upon lease revenue stream |
| Jan-25-2005 |
A method, system and program product for creating a loan from a revenue stream from a lessee, the method comprising the steps of: determining a revenue stream from a lease of a leased tangible asset; calculating... |
| 6847942 |
Method and apparatus for managing credit inquiries within account receivables |
| Jan-25-2005 |
The Accounts Receivable System's Credit Inquiry Module reviews payment history and performs credit inquiries by analyzing data from internal and external sources. The Credit Inquiry Module uses this analysis... |
| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 6832202 |
Method and system of routing requests for authorized approval |
| Dec-14-2004 |
A method and system for routing requests for authorization may comprise automatically determining approvals required for authorization of a request (72). A valid agent to provide one of the approvals required... |
| 6829590 |
Enhanced online sales risk management system |
| Dec-7-2004 |
The present invention provides a method and system to implement risk management of foreign exchange of currency related to an online transaction. According to the present invention an exchange price and... |
| 6829590 |
Enhanced online sales risk management system |
| Dec-7-2004 |
The present invention provides a method and system to implement risk management of foreign exchange of currency related to an online transaction. According to the present invention an exchange price and... |
| 6826544 |
Automated loan repayment |
| Nov-30-2004 |
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... |
| 6823319 |
System and method for automated process of deal structuring |
| Nov-23-2004 |
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,... |
| 6819748 |
Menuing method and system |
| Nov-16-2004 |
A method and system for menuing on a voice response unit (VRU) or the like that avoids creating customer confusion on low volume calls that results in customer service representatives having to spend time... |
| 6817521 |
Credit card application automation system |
| Nov-16-2004 |
A universal credit card system utilizes a portable card access device which stores information associated with multiple bank card accounts, electronically authenticates a user of the bank card accounts,... |
| 6816735 |
Method and system for facilitating location-based services |
| Nov-9-2004 |
A method and system are disclosed for facilitating location-based services. In the arrangement described, when a mobile station is engaged in a data session with a server, the mobile station may be made... |
| 6795812 |
Implementing a counter offer for an on line credit card application |
| Sep-21-2004 |
A system and method are disclosed for offering credit to an applicant. A plurality of offers are determined using information about the applicant. A displayed offer is displayed and a withheld offer is... |
| 6783065 |
Purchasing card transaction risk model |
| Aug-31-2004 |
A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and... |
| 6766302 |
Method and apparatus for advertisement |
| Jul-20-2004 |
The invention provides methods for promoting ones business. According to one implementation, a promotional message is imprinted on the face of a charge card. According to another implementation, the promotional... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6760414 |
Personal computer banking system and method |
| Jul-6-2004 |
A personal computer banking system and method in which a personal computer is connected by a network service provider directly to a host computer system of a bank such that customer service requests can... |
| 6757664 |
Method and system for verification of checks at a point of sale |
| Jun-29-2004 |
A method for providing information concerning the availability of funds to cover a check proffered at a point of sale. In one embodiment, the method comprises capturing at the point of sale check transaction... |
| 6751615 |
Method and system generating query form, assigning and comparing risk designation of chemical product over a computer network for chemical products customers |
| Jun-15-2004 |
The present invention relates to a system and a method of screening potential customers of chemical products for safe practices related to the chemicals that they wish to purchase or otherwise obtain from... |
| 6751596 |
System and method for tracking, monitoring, and supporting self-procuring principals in real estate transactions |
| Jun-15-2004 |
A system and method for tracking, monitoring, and supporting self-procurement of an individual for the purchase of a home. As a self-procuring principal (SPP), the individual would be entitled to the real... |
| 6738751 |
Credit card rental-cost payment method |
| May-18-2004 |
A method provides for at least potential payment of rental costs by debit from a credit card. A renter's credit card program is established by a financial institution or other commercial lending establishment.... |
| 6738740 |
Speech recognition system for interactively gathering and storing verbal information to generate documents |
| May-18-2004 |
A voice recognition system and method for interactively gathering information to generate a document, form, or application. An applicant using a remote device to establish a voice connection with the system... |
| 6725220 |
System and method for integrating paper-based business documents with computer-readable data entered via a computer network |
| Apr-20-2004 |
In an Internet-based process, a method of integrating paper-based business documents requiring an original signature with electronic data about those documents, and for later retrieving the data entered... |
| 6718313 |
Integrating live chat into an online credit card application |
| Apr-6-2004 |
A system and method are described for providing on line chat help to an applicant. An application identifier and a chat applet are inserted into a web page. The web page is sent to the applicant. The chat... |
| 6711554 |
Method and system for managing and preparing documentation for real estate transactions |
| Mar-23-2004 |
A method and system for preparing and managing real estate transfers and financing, including a system for preparation, production and storage of relevant documentation and the data contained therein;... |
| 6671677 |
System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan |
| Dec-30-2003 |
In the present invention, a system and method is described for reducing the mortgage interest rate and mortgage guaranty insurance premium associated with a mortgage loan by financing discount points into... |
| 6658393 |
Financial risk prediction systems and methods therefor |
| Dec-2-2003 |
A method for predicting financial risk is disclosed. The method includes receiving data inputs on a first computing system. The data inputs includes historical data associated with at least a first account... |
| 6655583 |
Medical billing method and system |
| Dec-2-2003 |
A billing method is provided for billing for medical treatments and other services. The method includes capturing a treatment event by electronically scanning, at the time of the treatment event, a machine... |
| 6651884 |
System for ranking card reissue transactions |
| Nov-25-2003 |
A system and method for selectively processing information to reissue cards to cardholders. The method includes assigning scores to cardholder accounts. Thereafter, the cardholder accounts are evaluated... |
| 6647375 |
Risk reduction system |
| Nov-11-2003 |
A method for reducing risk including the steps of holding by a seller a liability having a future value S.sub.1 and determining the present value P.sub.1 of the liability in accordance with the future... |
| 6643625 |
System and method for auditing loan portfolios and loan servicing portfolios |
| Nov-4-2003 |
A computer-assisted method of auditing of loan portfolios and loan servicing portfolios wherein the loans are of a plurality of types by keying questions which determine compliance with a large, complex,... |
| 6633875 |
Computer database system and method for collecting and reporting real estate property and loan performance information over a computer driven network |
| Oct-14-2003 |
Real estate data, particularly data of multifamily housing, is stored in a database. The database is accessible to data providers who add data to the database through connection via a computer driven network,... |
| 6622131 |
Method and system for auctioning loans through a computing system |
| Sep-16-2003 |
A computing device receives first information about a customer. The computing device outputs second information to at least first and second loan sources. The second information includes at least a portion... |
| 6615187 |
Method of securitizing and trading real estate brokerage options |
| Sep-2-2003 |
The present invention relates to a method of creating, purchasing and selling the real estate brokerage commissions typically collected upon the sale of real property. A property owner sells, for a certain... |
| 6611816 |
Method and computer network for co-ordinating a loan over the Internet |
| Aug-26-2003 |
The invention relates to a method and a computer for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. This method involves... |
| 6609118 |
Methods and systems for automated property valuation |
| Aug-19-2003 |
The present invention is a method and system for automating the process for valuing a property that produces an estimated value of a subject property, and a quality assessment of the estimated value, that... |
| 6604239 |
System and method for virtual television program rating |
| Aug-5-2003 |
A method and a system for combining at least two sources of television program rating information, including at least one source obtained through user input into an electronic interface, to provide a more... |
| 6601034 |
Decision management system which is cross-function, cross-industry and cross-platform |
| Jul-29-2003 |
A computer-implemented rules based decision management system which is cross-platform, cross-industry and cross-function. The decision management system has a software architecture which includes a common... |
| 6598030 |
Method and apparatus for pattern generation |
| Jul-22-2003 |
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data... |
| 6587867 |
Internet-based subscriber profile management of a communications system |
| Jul-1-2003 |
A telecommunications system includes multiple services. For example, the system provides multiple communications services with a single number for a subscriber. The subscriber can easily configure, manage... |
| 6587841 |
Computer implemented automated credit application analysis and decision routing system |
| Jul-1-2003 |
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective... |
| 6574605 |
Method and system for strategic services enterprise workload management |
| Jun-3-2003 |
The invention provides a system and method for strategic services enterprise workload management and more particularly to an automated method and system for enterprise workload management that enables... |
