| 5956688 |
Electronic transaction apparatus and computer readable storage medium on which is recorded control program for executing format conversion in electronic transaction |
| Sep-21-1999 |
A relevance information setting unit imparts the same relevance code to related elements in a standard message to indicate a relevance. A mapping processing unit displays a standard message and a local... |
| 5953710 |
Children's credit or debit card system |
| Sep-14-1999 |
Methods and credit or debit card systems are disclosed that allow the available credit to be determined by someone other than the card issuer and that allow a limit to be set on the number of expenditures... |
| 5953709 |
Automated voucher cash-out system and method |
| Sep-14-1999 |
A voucher cash-out system (20) includes a service terminal (22) for producing a voucher (58) in response to a received service request (50). A processor (24) in communication with the service terminal... |
| 5953708 |
Transaction control system having a time delay adjustment transmission mechanism |
| Sep-14-1999 |
A transaction control system is disclosed wherein a center computer is connected through communication circuits with a plurality of terminal devices and wherein the users of the terminal devices do not... |
| 5950179 |
Method and system for issuing a secured credit card |
| Sep-7-1999 |
A computer-implemented method for issuing a credit card to a customer who has difficulty qualifying for unsecured credit or who requests a secured credit card. A card request input is received indicating... |
| 5950178 |
Data processing system and method for facilitating transactions in diamonds |
| Sep-7-1999 |
A data processing system and method for facilitating transactions in precious stones such as diamonds is set forth. A host processor stores data input by a seller from a remote terminal for a stone to... |
| 5950177 |
Crossing network utilizing optimal mutual satisfaction density profile |
| Sep-7-1999 |
A crossing network that matches buy and sell orders based upon a satisfaction and quantity profile is disclosed. The crossing network includes a number of trader terminals that can be used for entering... |
| 5950176 |
Computer-implemented securities trading system with a virtual specialist function |
| Sep-7-1999 |
The present invention discloses a 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... |
| 5950175 |
System for managing real estate SWAP accounts |
| Sep-7-1999 |
A data processing system for managing a plurality of discrete accounts. Each account provides a swap between a property holder and the plan manager wherein the holder dilutes their exposure to the real... |
| 5946667 |
Data processing system and method for financial debt instruments |
| Aug-31-1999 |
A data processing system and method is disclosed for implementing and control of a financial debt instrument which is issued for a limited period of time and is traded as a listed security. The debt instrument... |
| 5940843 |
Information delivery system and method including restriction processing |
| Aug-17-1999 |
The electronic distribution of research documents over the world wide web or other network to investors. A repository server receives research documents from contributors. A restriction subsystem server... |
| 5940811 |
Closed loop financial transaction method and apparatus |
| Aug-17-1999 |
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks,... |
| 5940809 |
Securities brokerage-asset management system |
| Aug-17-1999 |
A central asset management system is provided having a central reference facility for coordination of all transaction processing. For each customer, a unique identifier (UID) is assigned as a stable, semi-permanent... |
| 5937394 |
System and method for pseudo cash transactions with credit back |
| Aug-10-1999 |
A system and method for pseudo cash transactions allows a portion of the pseudo cash to be refunded through use of a credit back indicator which is used by a record adjuster to adjust the file associated... |
| 5933817 |
Tiered interest rate revolving credit system and method |
| Aug-3-1999 |
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... |
| 5933816 |
System and method for delivering financial services |
| Aug-3-1999 |
A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition... |
| 5933815 |
Computerized method and system for providing guaranteed lifetime income with liquidity |
| Aug-3-1999 |
Computerized method and system for administering at least part of a program to provide a person with guaranteed lifetime income with a measure of liquidity using at least an initial contribution of assets... |
| 5930778 |
System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt |
| Jul-27-1999 |
A system and process are described for effecting the expedited submission into the payment system for collection of funds represented by financial instruments that are received by a payee at an item capture... |
| 5930776 |
Lender direct credit evaluation and loan processing system |
| Jul-27-1999 |
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... |
| 5930775 |
Method and apparatus for determining an optimal investment plan for distressed residential real estate loans |
| Jul-27-1999 |
Methods, system, and article of manufacture are provided for processing real estate loans based on loan data including personal data relating to a borrower, financial information relating to the borrower's... |
| 5930774 |
Method and computer program for evaluating mutual fund portfolios |
| Jul-27-1999 |
A computer-readable storage device for storing computer programs for operating a computer is disclosed. The computer-readable storage device includes a computer program stored thereon which directs or... |
| 5930764 |
Sales and marketing support system using a customer information database |
| Jul-27-1999 |
A sales process support system and method for identifying sales targets using a centralized database to improve marketing success. The system includes a central database that receives comprehensive information... |
| 5930363 |
Card charging systems |
| Jul-27-1999 |
A security device for use in a card charging system where a service or product providing facility issues services or products by the use of credit from a card. The security device comprises signal transmission... |
| 5926800 |
System and method for providing a line of credit secured by an assignment of a life insurance policy |
| Jul-20-1999 |
A system for providing loans to owners of life insurance policies who are terminally ill or aged. The system comprises a statistical module, medical module and a financial module which together operate... |
| 5926792 |
System for managing a stable value protected investment plan |
| Jul-20-1999 |
Method and system to track, reconcile and administer the values of life insurance policies in separate accounts, including Stable Value Protected funds. Accordingly, targeted returns are translated into... |
| 5926548 |
Method and apparatus for implementing hierarchical electronic cash |
| Jul-20-1999 |
A user U generates a signature verification key N.sub.U, a signature key SS.sub.U and a cipher key K, enciphers (X,N.sub.U) by a public key into E.sub.I (X,K,N.sub.U) and sends the enciphered information... |
| 5924082 |
Negotiated matching system |
| Jul-13-1999 |
A negotiated matching system includes a plurality of remote terminals associated with respective potential counterparties, a communications network for permitting communication between the remote terminals,... |
| 5918218 |
Method and apparatus for automated trade transactions processing |
| Jun-29-1999 |
An automated trade processing system comprising at least one record keeping system which receives participant mutual fund transactions. The record keeping system aggregates the participant mutual fund... |
| 5918216 |
Automatic recognition of periods for financial transactions |
| Jun-29-1999 |
A new financial transaction is compared to prior entries in a database of prior financial transactions to identify a recurring transaction. Certain parameters of a new entry, entered either manually or... |
| 5915246 |
Self-service system |
| Jun-22-1999 |
An automated teller machine (10) or a home banking system (32) is operated to provide, during the delays associated with authorizing and acting upon a user instruction, a sales presentation related to... |
| 5915245 |
Two-way wireless system for financial industry transactions |
| Jun-22-1999 |
A method of managing the activities of one or more floor brokers situated on the floor of an exchange is disclosed. In one respect, the method uses a programmed computer to compare a relative number of... |
| 5915023 |
Automatic portable account controller for remotely arranging for transfer of value to a recipient |
| Jun-22-1999 |
An apparatus and method of transferring a value from a transferor to a transferee in a transaction executed through a public service telephone network. The method includes the step of exchanging essential... |
| 5914472 |
Credit card spending authorization control system |
| Jun-22-1999 |
A system and method for allowing a parent to control the use of an ancillary credit or debit transaction card which is issued to a child. A central computer communicates with an issuer computer having... |
| 5913202 |
Financial information intermediary system |
| Jun-15-1999 |
A financial information intermediary system which extracts the most suitable product information from a wide variety of financial product information supplied by many financial institutions in the market,... |
| 5913198 |
System and method for designing and administering survivor benefit plans |
| Jun-15-1999 |
A computer-implemented system and method for designing and administering self-funded survivor benefit plans is disclosed. The system includes a specific purpose computer programmed with several computer... |
| 5911136 |
System for prioritized operation of a personal financial account comprising liabilities and investment assets |
| Jun-8-1999 |
A personal financial management program is for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client account.... |
| 5911135 |
System for managing financial accounts by a priority allocation of funds among accounts |
| Jun-8-1999 |
A personal financial management program is disclosed for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client... |
| 5907828 |
System and method for implementing and administering lender-owned credit life insurance policies |
| May-25-1999 |
The invention relates to a system for analyzing and managing at least one lender owned life insurance policy on behalf of a lender to improve loan profitability, achieve investment results from the COLI,... |
| 5905974 |
Automated auction protocol processor |
| May-18-1999 |
A data processing system for implementing transaction management of auction-based trading for specialized items such as fixed income instruments. The data processing system provides a highly structured... |
| 5903879 |
Method of managing a loan for funding a pension |
| May-11-1999 |
An employee eligible to participate in a pension plan is loaned up to the full employee contribution to the plan, thereby encouraging participation in the pension plan. This "Participation Loan" includes... |
| 5899982 |
Bank-centric service platform, network and system |
| May-4-1999 |
A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central... |
| 5895455 |
Document image display system and method |
| Apr-20-1999 |
A method for providing user access to a selected group of document images. A user-selected set of image properties may be specified so that each image in the group of images is presented for viewing with... |
| 5893907 |
Apparatus and system for managing a card number |
| Apr-13-1999 |
The apparatus of the present invention is directed to an apparatus and a system for managing a card number for so-called electronic money cards and comprises an interface means for handling the signals... |
| 5893080 |
Disbursement system and method |
| Apr-6-1999 |
A computerized payment disbursement system and method are provided. One embodiment of the method of the present invention includes storing in a computer database user-defined payment disbursement criteria... |
| 5893079 |
System for receiving, processing, creating, storing, and disseminating investment information |
| Apr-6-1999 |
A computerized data processing system includes an external data interface for communicating with nonuser outside sources of investment data and processing such data and delivering such data to a server... |
| 5893078 |
System and method for determining optimal sweep threshold parameters for demand deposit accounts |
| Apr-6-1999 |
In a financial institution accounting system, a system for, and method of, determining an optimal sweep threshold parameter for a demand deposit account ("DDA"), the DDA having a sub-DDA contra-account... |
| 5890905 |
Educational and life skills organizer/memory aid |
| Apr-6-1999 |
A compensatory assistive device for people with cognitive impairment (including but not limited to traumatic brain injury, stroke, electrocution, anoxia, mental retardation, dementia, amnesia, and learning... |
| 5890140 |
System for communicating with an electronic delivery system that integrates global financial services |
| Mar-30-1999 |
A system for communicating with a global electronic delivery system that integrates a plurality of financial services provided at different geographical locations and in different time zones, and delivery... |
| 5887273 |
Method and system for interactive contributions solicitation and donation |
| Mar-23-1999 |
An offering plate that permits an attender at a religious service to make a donation that consists of a cash donation acceptor, an envelope donation acceptor, a credit card donation processor, and/or a... |
| 5884286 |
Apparatus and process for executing an expirationless option transaction |
| Mar-16-1999 |
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... |
