| 5774882 |
Credit approval system |
| Jun-30-1998 |
An automated security credit checking system for checking a credit application for fraud before a credit card is issued. The credit checking system scans the credit application, and uses an optical character... |
| 5765144 |
System for selecting liability products and preparing applications therefor |
| Jun-9-1998 |
A system is disclosed having a graphical interface for interactively interviewing and educating a customer regarding their credit needs and the available products. The system also inquires, for example,... |
| 5745885 |
Data storage medium for funding education by acquiring shares of students' f |
| Apr-28-1998 |
A data processing system and method for administering a plan for funding investments in education is provided. The education investment plan includes a unit investment trust for financing the educations... |
| 5742775 |
Method and apparatus of creating financial instrument and administering an adjustable rate loan system |
| Apr-21-1998 |
An operatively interconnected data processing and computing system is provided for creating, servicing and paying loan agreements between a lender and borrower providing for repayment of the loan together... |
| 5732400 |
System and method for a risk-based purchase of goods |
| Mar-24-1998 |
A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving... |
| 5704045 |
System and method of risk transfer and risk diversification including means to assure with assurance of timely payment and segregation of the interests of capital |
| Dec-30-1997 |
A system and method of accepting risk through contractual obligations transfers a portion of the risk to investors and includes means for absolute assurance of timely payment to contract holders, and segregation,... |
| 5699527 |
Method and system for processing loan |
| Dec-16-1997 |
A loan processing system to aid a potential loan applicant preparing the necessary financial statement, loan application, and business plan to apply for a business loan. The loan applicant merely completes... |
| 5696907 |
System and method for performing risk and credit analysis of financial service applications |
| Dec-9-1997 |
The present invention discloses a method and system for performing risk and credit analysis of financial service applications with a neural network. The neural network imitates and perfects a credit manager's... |
| 5689649 |
System for operation of a combination mortgage, equity load and savings plan |
| Nov-18-1997 |
A "Nest-Egg" mortgage which combines the benefits of a conventional home mortgage, a home equity loan, and an individual retirement account ("IRA"), including a method and computer system for operating... |
| 5678010 |
Automated routing of messages over a network |
| Oct-14-1997 |
A system for processing credit card transactions is disclosed. Transaction data to be processed is sent by point of sale terminal to a terminal node connected to a sophisticated communications network.... |
| 5673402 |
Computer system for producing an illustration of an investment repaying a mortgage |
| Sep-30-1997 |
A computerized system for initiating, processing, preparing, storing, and transmitting illustrations of life insurance in conjunction with a mortgage, the illustrations being devoid of a cost containment... |
| 5659731 |
Method for rating a match for a given entity found in a list of entities |
| Aug-19-1997 |
In a system that accepts a given search entity from a user and utilizes a database to identify a possible matching entity from a large list of entries, a method is provided for evaluating the reliability... |
| 5649116 |
Integrated decision management system |
| Jul-15-1997 |
A computer-based system for managing risk among a plurality of accounts, each account having an associated account exposure, has a means for submitting a transaction to a selected account of a plurality... |
| 5644726 |
Method and system implementing a mortgage partnership |
| Jul-1-1997 |
A process of and method for financing purchase of real property by mortgagors through a combination of mortgagee debt principal and partial mortgagee equity interest in the purchased property by a system... |
| 5636117 |
Method and apparatus for monitoring the strength of a real estate market or commodity market and making lending and insurance decisions therefrom |
| Jun-3-1997 |
By gathering information regarding the total number of sales, total number of pending listings, total number of active listings, and total number of expired listings in a time period, a market index may... |
| 5621201 |
Automated purchasing control system |
| Apr-15-1997 |
An automated purchasing control system which can be customized for a corporate customer. The system receives an authorization request over the phone lines from a remote point-of-sale terminal and processes... |
| 5615110 |
Security system for non-cash transactions |
| Mar-25-1997 |
When a non-cash transaction occurs, the corresponding computer account writing system will be in operation. The computer account writing system outputs information signals which include the transaction... |
| 5613113 |
Consistent recreation of events from activity logs |
| Mar-18-1997 |
A computing system associates time series data with data base changes, received from concurrent processes, that are recorded in an activity log by defining a data base table to include a column in which... |
| 5611052 |
Lender direct credit evaluation and loan processing system |
| Mar-11-1997 |
An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote... |
| 5606496 |
Personal assistant computer method |
| Feb-25-1997 |
A personal financial assistant computer system and method includes customer terminals at financial institution branch offices or other locations. Each customer terminal stores financial information for... |
| 5583760 |
System for establishing and administering funded and post-funded charge accounts |
| Dec-10-1996 |
A data processing system is disclosed that establishes and administers charge accounts, including both funded and post-funded accounts. In one embodiment, the system of the invention establishes charge... |
| 5557517 |
System and method for determining the price of an expirationless American option and issuing a buy or sell ticket on the current price and portfolio |
| Sep-17-1996 |
A system and method for determining the price of an expirationless American option over a broad variety of securities and issuing the correct bid and ask prices for the same. Data concerning initial margin... |
| 5414621 |
System and method for computing a comparative value of real estate |
| May-9-1995 |
A system and method for determining comparative values of comparable properties based on assessment percentages and sales data of the comparable properties to ultimately determine a value for a subject... |
| 5383113 |
System and method for electronically providing customer services including payment of bills, financial analysis and loans |
| Jan-17-1995 |
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to... |
| 5375055 |
Credit management for electronic brokerage system |
| Dec-20-1994 |
An anonymous trading system identifies the best bids and offers from those counterparties with which each party is currently eligible to deal, while maintaining the anonymity of the potential counterparty... |
| 5323315 |
Computer system for monitoring the status of individual items of personal property which serve as collateral for securing financing |
| Jun-21-1994 |
A system for monitoring the status of individual items of personal property which serve as collateral for securing financing. The system receives financing information from a first financing source and... |
| 5274547 |
System for generating and transmitting credit reports |
| Dec-28-1993 |
Systems and methods for generating credit reports. The system includes a central data processing facility (also referred to as a data processor or host computer) which is connectable to the three national... |
| 5262941 |
Expert credit recommendation method and system |
| Nov-16-1993 |
An expert floorplan credit recommendation method and system, comprising a database and stored program for arriving at a credit recommendation by processing data on a computer by means of a decision matrix... |
| 5239462 |
Method and apparatus for automatically determining the approval status of a potential borrower |
| Aug-24-1993 |
A method and apparatus are provided for the real-time automatic determination of the approval status of a potential borrower of a loan. The method includes (1) transmitting an image of a form by facsimile... |
| 5231570 |
Credit verification system |
| Jul-27-1993 |
A credit card status verification system is disclosed in which the status of very large numbers of credit cards is contained and accessed from a compact storage media, such as a CD-ROM disk, at a remote... |
| 5231569 |
Account transaction system |
| Jul-27-1993 |
A system for performing transaction from an account such as a checking account which adds a measure of assurance of payment to the account issuer is provided. The system includes a remote transaction terminal... |
| 5210687 |
Business transaction and investment growth monitoring data processing system |
| May-11-1993 |
A data processing system is disclosed which monitors client's business orders over time and based upon predetermined criteria determines the client's vested interest in funds deposited into special client... |
| 5185696 |
Financial calculator capable of displaying graphic representation |
| Feb-9-1993 |
In a financial calculator, a graphic representation function is provided, and financial values desired for an operator are calculated based upon various input financial data. Also, both the entered data... |
| 5136501 |
Anonymous matching system |
| Aug-4-1992 |
A matching system for trading instruments in which bids are automatically matched against offers for given trading instruments for automatically providing matching transactions in order to complete trades... |
| 5126936 |
Goal-directed financial asset management system |
| Jun-30-1992 |
A data processing apparatus and method controls and implements a goal-directed financial assets management system. The operative system receives investor deposits at selected levels of correspondence to... |
| 5058009 |
Financial calculator for calculating, graphically displaying and confirming results of loan amortization calculation |
| Oct-15-1991 |
A financial calculator executes calculations on amortization of a loan, and depreciation, and calculation results are displayed on a display unit as a graphic representation in view of time lapses. To... |
| 5038284 |
Method and apparatus relating to conducting trading transactions with portable trading stations |
| Aug-6-1991 |
A central computer equipped with communications hardware and specially designed software receives transaction data from personal transaction stations operated by traders, sends back verification information... |
| 5025138 |
Method and system for providing verifiable line of credit information |
| Jun-18-1991 |
A method and system for providing line of credit information to participating banks that issue debit cards to owners of life insurance policies, wherein the cash surrender value of the life insurance policy... |
| 4953085 |
System for the operation of a financial account |
| Aug-28-1990 |
A personal financial management program is disclosed incorporating means of implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities... |
| 4947028 |
Automated order and payment system |
| Aug-7-1990 |
An automated order and payment system for use by consumers to rapidly order products and services from any location at which the consumer is present at the time of ordering. The system receives information... |
| 4914587 |
Financial data processing system with distributed data input devices and method of use |
| Apr-3-1990 |
A financial data processing system utilizing two levels of distributed processors interconnected to one another and a central processor interconnected to the first level of distributed processors and the... |
| 4891503 |
Distributed authorization system |
| Jan-2-1990 |
A distributed authorization system and process for authorizing transactions utilizes a host computer communicating with a network of electronic terminals remote from the host computer. It includes storing... |
| 4876648 |
System and method for implementing and administering a mortgage plan |
| Oct-24-1989 |
A computerized mortgage implementing system includes a central service computer, which helps establish and maintain mortgage plans based upon mortgages at least partially collateralized by investment vehicles.... |
| 4866634 |
Data-driven, functional expert system shell |
| Sep-12-1989 |
An expert system shell efficiently computes functions of variables in response to numeric or symbolic data values input by a user. The system comprises a Knowledge Base in the form of a network of functions,... |
| 4774664 |
Financial data processing system and method |
| Sep-27-1988 |
A financial data processing system and the method of operating that system are disclosed. A central processor includes a data bank into which data is written and from which data is read, this data including... |
| 4742457 |
System and method of investment management including means to adjust deposit and loan accounts for inflation |
| May-3-1988 |
Data processing for novel form of relationship management links, supervises, and balances depositors, marketing agents, financial intermediaries, mortgage brokers, and borrowers in an inflation-adjusted... |
| 4739478 |
Methods and apparatus for restructuring debt obligations |
| Apr-19-1988 |
Methods and apparatus for restructuring one or more debt obligations issued in the form of interest-bearing bonds into a serial issue of zero coupon bonds. The data processing system evaluates the cash... |
| 4736294 |
Data processing methods and apparatus for managing vehicle financing |
| Apr-5-1988 |
Data processing methods and apparatus for managing vehicle financing are disclosed. The data processing system provides information to assist in granting a loan applicant credit, processes the loan, and... |
| 4718009 |
Default proof credit card method system |
| Jan-5-1988 |
A method and system for credit card issuers with cardholders that own insurance policies with surrender cash values in them. The method and system include the use of computerized and information storage... |
| 4700297 |
Relocation management and reporting system |
| Oct-13-1987 |
A relocation management and reporting data processing system processes reimbursement requests for employees who have been transferred. The system includes a data base for storing and retrieving information... |
