| 6567791 |
Method and apparatus for a verifiable on line rejection of an application for credit |
| May-20-2003 |
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor... |
| 6563518 |
Method for enabling rapid modification of a display controlled by a computer program |
| May-13-2003 |
A credit card processing system includes a layer of abstraction between the presentation layer and the display, which enables rapid modification of the display by a user who is not necessarily knowledgeable... |
| 6556979 |
Method and system for identifying consumer credit revolvers with neural network time series segmentation |
| Apr-29-2003 |
Initially, customer time series credit files are acquired. The credit files are organized in a data mart environment for supporting a query system. Time series utilization attributes are created and a... |
| 6553346 |
Conditional purchase offer (CPO) management system for packages |
| Apr-22-2003 |
A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an overall... |
| 6513019 |
Financial consolidation and communication platform |
| Jan-28-2003 |
An integrated financial data reporting system provides for real time data entry, assessment, and report generation. The system includes message formatting, database management, and select applications... |
| 6505176 |
Workflow management system for an automated credit application system |
| Jan-7-2003 |
A workflow management system for an automated credit application processing system. The workflow management system automatically coordinates the workflow among various workgroups and entities involved... |
| 6494367 |
Secure multi-application card system |
| Dec-17-2002 |
A multi-application card for providing secure access to multiple card accounts. This system includes a multi-application card storing a readable identification number corresponding to the card, and a database... |
| 6490568 |
Automated system and method for monitoring financial transactions |
| Dec-3-2002 |
An automated system and method which monitors the cash flow of the merchant account and maintains a minimum balance for each merchant account based upon allowable delays. The automated system/method includes... |
| 6489897 |
Vehicle location system |
| Dec-3-2002 |
A vehicle location system which operates to provide a location of a vehicle. Specifically, if a payment due date associated with the vehicle has passed and a payment has not been received for the vehicle,... |
| 6484153 |
System and method for managing third-party input to a conditional purchase offer (CPO) |
| Nov-19-2002 |
A central controller receives an offer signal including at least one condition signal. The offer signal defines an offer having at least one condition from a customer. The central controller also receives... |
| 6484151 |
System and method for selecting and purchasing stocks via a global computer network |
| Nov-19-2002 |
The invention is in the field of using a computer to select corporate stocks for investment. A user is connected to the Internet. The user connects to the portfolio management program (PMP) host computer... |
| 6477578 |
System and method for conducting secure internet transactions |
| Nov-5-2002 |
A system and method for conducting secure electronic transactions via the Internet uses a second secure communication link for the transmission of sensitive information. Transactions are split so that... |
| 6456984 |
Method and system for providing temporary credit authorizations |
| Sep-24-2002 |
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or theft.... |
| 6442533 |
Multi-processing financial transaction processing system |
| Aug-27-2002 |
A financial transaction processing system is disclosed, wherein substantial processing efficiencies are provided with, additionally, a substantial decrease in the size of the executable code. Each transaction... |
| 6438526 |
System and method for transmitting and processing loan data |
| Aug-20-2002 |
An automated system for collecting and disseminating loan information over a network connection includes a server which receives loan data, including daily loan data, from lenders and stores the loan data... |
| 6434534 |
Method and system for processing customized reward offers |
| Aug-13-2002 |
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated... |
| 6424951 |
Data processing technique for scoring bank customer relationships and awarding incentive rewards |
| Jul-23-2002 |
A Relationship scoring and Incentive Reward awarding process determines a Relationship score for the Relationships between a Bank and each of its customers. Such Relationships may include deposit accounts,... |
| 6415269 |
Interactive remote auction bidding system |
| Jul-2-2002 |
An interactive remote auction bidding system for conducting an auction among participants located at remote locations from the auction site utilizes a data input device for communication over a network... |
| 6405181 |
Method and apparatus for real time on line credit approval |
| Jun-11-2002 |
A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable... |
| 6393436 |
Method for commercializing goods and services over a global digital network |
| May-21-2002 |
A method for commercializing goods and services over a global digital network where the order requests from a group of purchaser subscribers is processed and matched with one or more vendor subscribers.... |
| 6385594 |
Method and computer network for co-ordinating a loan over the internet |
| May-7-2002 |
The invention relates to a method and a computer for coordinating an electronic credit qualification form between an Internet user and a plurality of lending institutions via the Internet. This method... |
| 6374231 |
Money fund banking system |
| Apr-16-2002 |
Providing interest to clients' deposited finds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records... |
| 6366892 |
Method and system for automatically producing loan documents |
| Apr-2-2002 |
A method for automating legal documents particularly for institutional and commercial loans includes the steps of providing in a database a plurality of provisions, including a plurality of standard clauses... |
| 6360210 |
Method and system for enabling smaller investors to manage risk in a self-managed portfolio of assets/liabilities |
| Mar-19-2002 |
A computer-based system is disclosed for reducing risk, including market risk, for a given portfolio, by examining the expected risk, pricing it, and transferring some or all of it in exchange for consideration,... |
| 6347302 |
Apparatus and method for processing lease insurance information |
| Feb-12-2002 |
An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at least one... |
| 6345262 |
System and method for implementing a mortgage plan |
| Feb-5-2002 |
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... |
| 6336104 |
Method and apparatus for providing and processing installment plans at a terminal |
| Jan-1-2002 |
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... |
| 6330548 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-11-2001 |
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... |
| 6330547 |
Method and apparatus for establishing and enhancing the creditworthiness of intellectual property |
| Dec-11-2001 |
A method and apparatus for deciding whether to make a loan using an intangible asset, such as intellectual property, as collateral and for making such a loan more attractive to a lender. The method requires... |
| 6330546 |
Risk determination and management using predictive modeling and transaction profiles for individual transacting entities |
| Dec-11-2001 |
An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions... |
| 6327577 |
Electronic bill payment system with account-number scheming |
| Dec-4-2001 |
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's... |
| 6324524 |
Method and apparatus for an account level offer of credit and real time balance transfer |
| Nov-27-2001 |
A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of... |
| 6321212 |
Financial products having a demand-based, adjustable return, and trading exchange therefor |
| Nov-20-2001 |
This invention provides methods and systems for trading and investing in groups of demand-based adjustable-return contingent claims, and for establishing markets and exchanges for such claims. The advantages... |
| 6317726 |
Automated strategies for investment management |
| Nov-13-2001 |
The invention is in the field of using a computer to select corporate stocks for investment. Fifty stocks are selected from a database on the basis of certain criteria. The stocks are acquired in equal... |
| 6311192 |
Method for initiating workflows in an automated organization management system |
| Oct-30-2001 |
A computer program (38) for organization management can interact with a database (36) containing organization information, and includes a personnel administration module (41), a personnel development module... |
| 6311169 |
On-line consumer credit data reporting system |
| Oct-30-2001 |
A consumer credit information data base controlled by a computerized system for storing current consumer credit information, as well as historical credit data information. The computerized system is programmed... |
| 6304859 |
System and method for premium optimization and loan monitoring |
| Oct-16-2001 |
A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium structure... |
| 6292788 |
Methods and investment instruments for performing tax-deferred real estate exchanges |
| Sep-18-2001 |
Methods and investment instruments for investing in real estate are described wherein a portfolio of investment real estate is divided into a plurality of tenant-in-common deeds of predetermined denominations,... |
| 6282658 |
System and method for authentication of network users with preprocessing |
| Aug-28-2001 |
A network authentication system provides verification of the identity or other attributes of a network user to conduct a transaction, access data or avail themselves of other resources. The user is presented... |
| 6269347 |
Method for calculation of a reduced interest mortgage payment plan |
| Jul-31-2001 |
A method for calculating a mortgage which provides application of mortgage payments to principle first and then interest in the amortization schedule of repayment of a conventional loan is disclosed. The... |
| 6260026 |
Credit card information management system |
| Jul-10-2001 |
The credit card information management system checks the creditability of a credit card intended to be used for purchase of goods or service by using the card information owned by member stores of credit... |
| 6249775 |
Method for mortgage and closed end loan portfolio management |
| Jun-19-2001 |
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... |
| 6249217 |
Method for retrieving vehicular collateral |
| Jun-19-2001 |
In accordance with the present invention, there is provided a method of securing collateral for a loan when indicated by a loan status wherein the collateral is a vehicle. The method provides for installing... |
| 6246999 |
Financial services account manager system |
| Jun-12-2001 |
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed to... |
| 6236973 |
Apparatus and method for providing collateral construction loan insurance coverage |
| May-22-2001 |
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk policy... |
| 6233566 |
System, method and computer program product for online financial products trading |
| May-15-2001 |
An online centralized financial products exchange system. The invention is a system, method and computer program product that creates a "marketplace" for end-to-end financial products life cycle transactions.... |
| 6226624 |
System and method for pre-authorization of individual account remote transactions |
| May-1-2001 |
An account processing method and system for providing specific pre-authorization parameters for transactions that require specific pre-authorization by a network user specifying conformity parameters within... |
| 6223167 |
Method and system for handling disruptions in the management of electronic auctions |
| Apr-24-2001 |
A method and system for conducting electronic auctions is described. A dynamic lot closing extension feature avoids collisions in closing times of multiple lots by dynamically extending the closing time... |
| 6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management |
| Apr-10-2001 |
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data processing... |
| 6208979 |
Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
| Mar-27-2001 |
A computer-driven information management system selectively matches credit applicants with money lenders through a global communications network. The system includes an applicant data entry device for... |
