| 7043457 |
System and method for managing and evaluating network commodities purchasing |
| May-9-2006 |
A method and system for managing and evaluating commodities purchasing over a network of distributed computing devices. In one embodiment, the method allows a plurality of buyers to generate one request... |
| 7043449 |
Method for charting financial market activities |
| May-9-2006 |
A method and apparatus for augmenting the conventional price-time chart used for technical analysis of securities price movements. In a preferred embodiment, the method takes a conventional Bar Chart or... |
| 7043445 |
Market determination system |
| May-9-2006 |
A market analysis system uses travel time to define a relevant market area. A map is generated using stored geographical map information around a selected geographical point or area, and a travel time... |
| 7040534 |
Cash dispensing automated banking machine with calibrated optical sensor |
| May-9-2006 |
An automated banking machine (10) is provided. The automated banking machine may include a fascia (50) in operative connection with a frame (110). The machine may include a plurality... |
| 7039612 |
Intranet platform system |
| May-2-2006 |
An intranet platform system that automatically configures and provides access to virtual intranet networks using intranet access cards. The intranet platform system comprises a processing system coupled... |
| 7039610 |
Implied market trading system |
| May-2-2006 |
A computer based trading system implies spread markets from multiple real or implied spread markets. In particular, one aspect of the invention permits implication of a spread market from a combination... |
| 7039608 |
Rapid valuation of portfolios of assets such as financial instruments |
| May-2-2006 |
A method of valuation of large groups of assets by partial full underwriting, partial sample underwriting and inferred values of the remainder using an iterative and adaptive supervised and unsupervised... |
| 7039607 |
System for evaluating a company's customer equity |
| May-2-2006 |
The object of the present invention is to provide a system for evaluating the customer equity of products and services provided by a company, with consideration of customer-purchase trends, and to provide... |
| 7035820 |
Systems and methods for trading and originating financial products using a computer network |
| Apr-25-2006 |
The invention relates to systems and methods for trading financial products over a computer network, such as the Internet. In one embodiment, the invention provides a method for trading financial products... |
| 7035699 |
Qualified and targeted lead selection and delivery system |
| Apr-25-2006 |
The present invention comprises a system dedicated to computerized information management. In particular, the system is efficiently targeted for employment by industries such as insurance and financial... |
| 7031938 |
Funds having investment results related to occurrence of external events to investor-selected investment options |
| Apr-18-2006 |
A system for causing investment returns for individual investors in a fund to correspond to occurrence of selected events with respect to investment options selected by said individual investors, the system... |
| 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.... |
| 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... |
| 7024384 |
Apparatus and process for calculating an option |
| Apr-4-2006 |
The present invention introduces an apparatus and process which may be implemented on a vast variety of computer systems. The apparatus and process of the present invention use a computer system to receive... |
| 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... |
| 7021532 |
Transaction authorization system and method |
| Apr-4-2006 |
The present invention includes a system and method for authorizing billing files at a substantially real-time batch authorization rate. The invention comprises a poller configured for queuing billing transaction... |
| 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... |
| 7020630 |
Computer assisted securities trading |
| Mar-28-2006 |
A securities trading system utilizes distributed data processing effected by a central processing station and a plurality of processing consoles all tied to a common network. The central station includes... |
| 7020629 |
Momentum investment system, process and product |
| Mar-28-2006 |
The disclosed mutual fund systems, processes and products involve: selecting, from the universe of asset classes, a restricted number of asset classes that have demonstrated superior returns by maintaining... |
| 7020626 |
Inside money |
| Mar-28-2006 |
A synthetic currency transaction network which performs transactions with near real time finality of transaction between potential borrowers and potential lenders. Synthetic currency is created by pooling... |
| 7016874 |
System and method for handling securities trading plans |
| Mar-21-2006 |
A system for handling securities trading plans includes a securities trading plan template, a storage mechanism, and a plan verifier. The securities trading plan template is to be accessed by a person... |
| 7016873 |
System and method for tax sensitive portfolio optimization |
| Mar-21-2006 |
A method and apparatus are provided which account for tax impact in predicting investment return. Data for taxable investments, data for non-taxable investments and investor data are received and an optimization... |
| 7016872 |
System, method and computer readable medium containing instructions for evaluating and disseminating investor performance information |
| Mar-21-2006 |
An investor's performance is evaluated by utilizing information pertaining to at least one transaction made by the investor, such as an individual or entity, involving at least one investment. This evaluation... |
| 7016871 |
System for and method of variable annuity contract administration |
| Mar-21-2006 |
A system for and method of variable annuity contract administration is provided. Each variable annuity contract includes a bonus investment credit percentage, withdrawal charge percentages less than or... |
| 7016870 |
Identifying a recommended portfolio of financial products for an investor based upon financial products that are available to the investor |
| Mar-21-2006 |
A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product... |
| 7010512 |
Transfer instrument |
| Mar-7-2006 |
A method is disclosed involving acquiring a plurality of charge accounts. The accounts are of a type normally issued with an associated physically producible card which may be presented as evidence of... |
| 7010511 |
Method and system for conducting electronic auctions with net present value bidding |
| Mar-7-2006 |
A method and system for an electronic auction is described. Bids by participating bidders are specified over multiple contract term segments (e.g., years), and define a pattern of cash payments over time.... |
| 7010510 |
Variance reduction technique for large scale risk management |
| Mar-7-2006 |
A control variate Monte Carlo simulation for estimating the value of a portfolio of financial instruments is provided. The control variate uses a function dependent upon two state variables, the aggregate... |
| 7010509 |
System and method for funding an account and consolidating financial relationships |
| Mar-7-2006 |
The present invention is a method and system for providing for investments to be made on behalf of an individual by a financial institution based on the individual's overall relationship to the financial... |
| 7010508 |
Automated multimedia data processing network |
| Mar-7-2006 |
A system for filing applications with an institution from a plurality of remote sites, and for automatically processing said applications in response to each applicant's credit rating obtained from a credit... |
| 7010507 |
System providing funds to electronic tax filers prior to receipt of refund |
| Mar-7-2006 |
Electronic data processing system which enables tax filers who electronically file tax returns to early use of their refund amount through an increased credit card credit limit with the tax payers credit... |
| 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... |
| 7006991 |
Computer-implemented securities trading system with a virtual specialist function |
| Feb-28-2006 |
The present invention discloses method, apparatus, and article of manufacture for a computer-implemented financial management system that permits the trading of securities via a network. A server computer... |
| 7006986 |
Order file processes for purchasing on the internet using verified order information |
| Feb-28-2006 |
Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information... |
| 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... |
| 7003494 |
Preprocessor system and method for rejection of duplicate invoices |
| Feb-21-2006 |
An accounts payable system in which invoices submitted by electronic data interchange (EDI) are audited for duplicate invoices prior to them being entered into the production database, or environment.... |
| 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,... |
| 7003488 |
Credit management for electronic brokerage system |
| Feb-21-2006 |
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... |
| 7003487 |
Automated management system |
| Feb-21-2006 |
A bid estimating system and method is provided according to an exemplary embodiment of the invention includes a processor that accesses a database of existing customer information specific to that customer.... |
| 7003483 |
System and method for optimizing the number of units of a security purchased or sold on a periodic basis |
| Feb-21-2006 |
A system and method for calculating a number of units of a security or other investment instrument to be traded periodically in a fluctuating market in a manner that optimizes the per-unit dollar value... |
| 7003482 |
Middleware for business transactions |
| Feb-21-2006 |
A middleware program provides an interface between an input channel and a business transaction server. The middleware program receives data and commands from an interface program that is coupled to an... |
| 6999944 |
Method and apparatus for authorizing and billing communications services using a bank card financial network |
| Feb-14-2006 |
According to the invention, a method and apparatus are disclosed for a dynamic communications service bank card billing system for authorizing and billing communications services using a bank card financial... |
| 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... |
| 6999935 |
Method of calculating premium payment to cover the risk attributable to insureds surviving a specified period |
| Feb-14-2006 |
Survival risk insurance is a method of transferring the financial consequences associated with the risk that deaths occurring within a specified period of time in a selected group of insured lives will... |
| 6997375 |
Automated transaction system and method |
| Feb-14-2006 |
An automated transaction system includes an automated transaction machine (10) for carrying out banking transactions. The machine includes a plurality of customer stations (16, 18, 20) at which... |
| 6996541 |
Credit management for electronic brokerage system |
| Feb-7-2006 |
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... |
| 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... |
| 6996539 |
Method and apparatus for enabling smaller investors or others to create and manage a portfolio of securities or other assets or liabilities on a cost effective basis |
| Feb-7-2006 |
A computer implemented method using aggregation for enabling a user to create and trade a plurality of market tradable assets or liabilities as a single, customizable investment portfolio. An embodiment... |
