| 6993511 |
Electronic bartering system |
| Jan-31-2006 |
A bartering system implements barters between a plurality of parties each having one or more classes of items available for barter. Preferably, barter orders are created by designating a selected quantity... |
| 6993507 |
Bar coded bill payment system and method |
| Jan-31-2006 |
A bill payment system consistent with the invention comprises a biller generating at least one invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at... |
| 6993503 |
System and method for allocating a conditional purchase offer for a travel related services reservation to one of a plurality of entities in a buyer driven electronic commerce system |
| Jan-31-2006 |
A system and method of allocating a conditional purchase offer for a product or service to one of a plurality of entities in a buyer-driven system. The conditional purchase offer for the product or service... |
| 6990467 |
Method, apparatus and program for pricing, transferring, buying, selling and exercising of freight cargo options on the World Wide Web |
| Jan-24-2006 |
An apparatus, method and program for determining the price of an option to pay for or sell cargo freight facility on the Internet and for facilitating the sale and exercise of those options including the... |
| 6990466 |
Method and system for integrating core banking business processes |
| Jan-24-2006 |
A system and method are provided for integrating core banking business processes which includes a business platform in which two or more selected banking processes common to the core banking business are... |
| 6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| Jan-17-2006 |
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system... |
| 6988084 |
Automated system for analyzing charges and credits of banks and other financial institutions |
| Jan-17-2006 |
A computer-implemented process prepares bank service charge reports for banking activity of a client. An electronic translator is provided for converting service charge items of a plurality of individual... |
| 6988082 |
Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
| Jan-17-2006 |
Computerized systems and methods facilitate the flow of capital through the housing finance industry. A system for determining an interest rate quote and points for a mortgage loan that are specific to... |
| 6985886 |
Method and apparatus for a mortgage loan management system |
| Jan-10-2006 |
The automated system of the present invention uses the Federal, State, local and professional regulations and requirements and implementing instructions to generate a plurality of tasks which can be used... |
| 6985883 |
Credit management for electronic brokerage system |
| Jan-10-2006 |
An anonymous trading system (FIG. 1) identifies the best bids and offers (QuoteSubmit, FIG. 3) from those counterparties (WS A1a1) with which each party (WS A1fb1,... |
| 6985880 |
Method of risk management and of achieving a recommended asset allocation and withdrawal strategy, and computer-readable medium, apparatus and computer program thereof |
| Jan-10-2006 |
The new and improved method and apparatus of the invention generates a hypothetical illustration of a distribution of possible portfolio values and withdrawal amounts for a designated time period. The... |
| 6985879 |
Systems and methods for facilitating group rewards |
| Jan-10-2006 |
In accordance with at least one embodiment of the present invention a retailer may receive a request from a group of customers for a reward the group desires to earn by making purchases at the retailer.... |
| 6985878 |
Integrated finance risk manager and financial transaction modeling device |
| Jan-10-2006 |
A class corresponding to a plurality of transaction entities are collectively processed to realize a virtual transaction. A cash flow type transaction entity is managed as a set of cash flow elements (CashFlowLet)... |
| 6985873 |
System and method for administering a brokerage rebate card program |
| Jan-10-2006 |
A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes logic... |
| 6983261 |
System and method for causing multiple parties to be paid from a single credit card transaction |
| Jan-3-2006 |
A point of sale credit card payment system allowing multiple payments to be made to various payees from a single credit card transaction or any other form of electronic payment. Software, firmware, or... |
| 6983259 |
Anonymous trading system |
| Jan-3-2006 |
An anonymous trading system has a clique of arbitrators which match orders from trader terminals and execute deals. One or more branches is attached to each arbitrator connecting trader terminals through... |
| 6983257 |
Security analyst performance tracking and analysis system and method |
| Jan-3-2006 |
A system and method for measuring, analyzing, and tracking the past performance of security analysts' earnings estimates and recommendations. A database containing historical information pertaining to... |
| 6983256 |
Cash dispensing automated banking machine system and method |
| Jan-3-2006 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6980969 |
Methods and apparatus for allowing internet based purchases based on a temporary credit card number |
| Dec-27-2005 |
The system described herein allows a user to apply for a credit card on-line. If an electronic application is approved, a temporary credit card number is issued on-line for immediate use. The temporary... |
| 6980968 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-27-2005 |
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... |
| 6973443 |
Automated banking machine apparatus and system |
| Dec-6-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6973442 |
Automated banking machine apparatus and system |
| Dec-6-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6973439 |
Computer network mediated financing method |
| Dec-6-2005 |
In a method for facilitating financing of new technology, a host computer is connected to a global computer network for receiving, over the network from remote computers, information describing purported... |
| 6968995 |
Integrated circuit for protocol control |
| Nov-29-2005 |
A protocol control integrated circuit configured by integrating, on one chip, hardware and control programs necessary for conducting data interchange through communications with portable type mediums,... |
| 6963912 |
Method and apparatus for session reconstruction |
| Nov-8-2005 |
A method and apparatus for reconstructing a session using a first analyzer coupled to a second analyzer is provided. Session reconstruction is performed on packets received at the first analyzer. Moreover,... |
| 6963866 |
Method of obtaining an electronically stored financial document |
| Nov-8-2005 |
A method for a bank to obtain an electronically-stored financial document is disclosed. The financial document includes a specific document parameter, such as a record date. The bank maintains the financial... |
| 6963857 |
Network-accessible account system |
| Nov-8-2005 |
The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account server coupled... |
| 6963854 |
Target pricing system |
| Nov-8-2005 |
A business process and computer system known as the "Target Pricing System" (TPS) that generates an optimum bid or value for a competitively bid good or service. The system is resident on one or more host... |
| 6963853 |
Method and apparatus for calculating a return on investment for weather-related risk management |
| Nov-8-2005 |
A computer-implemented method and system evaluates and displays a return on investment for using weather-related risk-management services. The system includes user interfaces, databases containing information... |
| 6963852 |
System and method for creating a defined benefit pension plan funded with a variable life insurance policy and/or a variable annuity policy |
| Nov-8-2005 |
A defined benefit pension plan, such as a plan described in Internal Revenue Code Section 412(i), is created using variable life insurance contracts and/or variable annuity contracts. Actuarial data used... |
| 6957220 |
System, method and article of manufacture for tracking and supporting the distribution of content electronically |
| Oct-18-2005 |
A content tracking system consists of a multi-level distributor network including a primary level distributor and a second level distributor for distributing content embodied in a storage medium. A server... |
| 6955294 |
Apparatus and method for preventing credit card fraud |
| Oct-18-2005 |
A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions.... |
| 6952682 |
System and method for matching multi-attribute auction bids |
| Oct-4-2005 |
A system and a method for matching multi-attribute auction bids are disclosed. A set of multi-attribute bids or bid values are collected from one or more buyers and one or more sellers. The set of bid... |
| 6950807 |
System and method for providing financing |
| Sep-27-2005 |
A method of providing financing is provided. The method provides financing for allowing a customer to purchase a product selected from an inventory of products maintained by a dealer. The method includes... |
| 6950805 |
System for funding, analyzing and managing life insurance policies funded with annuities |
| Sep-27-2005 |
The invention relates to a program that administers a method of funding life insurance policies using annuities that are purchased at least in part using borrowed money, using business and trust structures... |
| 6947907 |
Process for managing ownership of a valuable item |
| Sep-20-2005 |
An ownership management process (32) is practiced with the aid of a computer system (18) having access to a database (38) which includes data describing any number of leases. The subject... |
| 6947906 |
Method for conducting a computerized government auction |
| Sep-20-2005 |
The invention provides a method for conducting a computerized auction of government-held property that is subject to a tiered restriction process. The sale or transfer of a government-held asset can be... |
| 6947904 |
System and method for incorporating mortality risk in an investment planning model |
| Sep-20-2005 |
A retirement planning method for computing possible future values of a portfolio of an investor. In one embodiment, the method includes the steps of (a) receiving a plurality of user inputs comprising... |
| 6947901 |
Derivative securities trading product utilizing subsets of indices or portfolios |
| Sep-20-2005 |
A first equity instrument which represents an ownership interest in a portfolio of stocks. The portfolio of stocks is a subset of a larger portfolio of stocks, which also has a corresponding second equity... |
| 6944599 |
Monitoring and automatic notification of irregular activity in a network-based transaction facility |
| Sep-13-2005 |
A method of filtering out item data in a report in network-based auction facilities. Data concerning multiple items is received in a database of a network-based auction facility. A price-based value is... |
| 6941285 |
Method and system for a virtual safe |
| Sep-6-2005 |
A transaction server for performing a transaction over a network using a virtual smart card the server comprising, a virtual smart card database having a plurality of records each record including a virtual... |
| 6941281 |
Automated payment |
| Sep-6-2005 |
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... |
| 6941280 |
Determining intra-day net asset value of an actively managed exchange traded fund |
| Sep-6-2005 |
A system for determining an intra-day net asset value proxy of an actively managed exchanged traded fund and the like includes a trusted computer system that has a physical hardware and operating system... |
| 6941279 |
Mutual fund card method and system |
| Sep-6-2005 |
A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of... |
| 6938011 |
Click based trading with market depth display |
| Aug-30-2005 |
A method and system for reducing the time it takes for a trader to place a trade when electronically trading commodities on an exchange, thus increasing the likelihood that the trader will have orders... |
| 6938010 |
Method of optimizing market and institutional risks in foreign exchange hedging |
| Aug-30-2005 |
A method is provided of optimizing both market and institutional risks in foreign currency exchange hedging. The method includes the steps of selecting a VaR calculator and determining an optimization... |
| 6938008 |
Loan modeller method and apparatus |
| Aug-30-2005 |
A method for modelling loans comprises allowing a user to enter parameters relevant to the loan, including the loan amount, loan term and interest rate, and then visually displaying information indicating... |
| 6937990 |
System for syndication of insurance |
| Aug-30-2005 |
A system is described for facilitating a syndicated sale of an insurance policy. The system employs a processor and a storage device connected to the processor, and a data receiving device and data output... |
| 6934692 |
On-line interactive system and method for transacting business |
| Aug-23-2005 |
The present invention includes a method for transacting business over a network between multiple buyers and sellers. In an exemplary embodiment, the invention operates within an improved extranet system... |
| 6928418 |
Portfolio rebalancing by means of resampled efficient frontiers |
| Aug-9-2005 |
A method for evaluating statistical congruence of an existing or putative portfolio with a target portfolio, both the current portfolio and the target portfolio having a plurality of assets. A mean-variance... |
