| 6925468 |
Configuring systems for generating business transaction reports using processing relationships among entities of an organization |
| Aug-2-2005 |
Business data (including transactional data) may be gathered, stored, sorted, and/or collated into financial service organization (FSO) reports used by various entities of a FSO. A processing relationship... |
| 6922720 |
Systems and methods for insuring data over the internet |
| Jul-26-2005 |
Systems and methods are provided which afford a technical application for insuring, bonding, and underwriting a transmission of a data set, streaming data, and/or document over the Internet through TCP/IP... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6907405 |
Computer controlled priority right auctioning system |
| Jun-14-2005 |
An automated priority right auctioning system receives and evaluates bid information records received from a plurality of remote terminals. The bid information records correspond to bids for one or more... |
| 6907404 |
Automated investment chart pattern search system for technical analysis |
| Jun-14-2005 |
An automated investment chart pattern search system is provided. The system includes a computer, a historical information database accessible by the computer having historical information for a plurality... |
| 6904414 |
System and method for implementing a mortgage plan |
| Jun-7-2005 |
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... |
| 6904411 |
Multi-processing financial transaction processing system |
| Jun-7-2005 |
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... |
| 6901387 |
Electronic purchasing method and apparatus for performing the same |
| May-31-2005 |
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various... |
| 6901384 |
System and method for automated process of deal structuring |
| May-31-2005 |
An automated deal processing for customers is disclosed, and includes prompting a customer for at least one deal parameter, such as loan amount, prompting the customer for information relating to the customer,... |
| 6901382 |
Automated banking machine and system |
| May-31-2005 |
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), as well as... |
| 6898575 |
Systems and methods for charitable donating |
| May-24-2005 |
An electronic donor directed charitable donation system designed specifically for the WWW/Internet whereby donors can direct the disposition of donations. Participating charitable institutions can identify... |
| 6898574 |
Lender and insurer transaction processing system and method |
| May-24-2005 |
A system and method for transaction processing includes a central repository of transaction information which can be accessed by a variety of participants who may be located over a wide geographic area... |
| 6895390 |
System for monitoring increasing income financial products |
| May-17-2005 |
The data processing system and method implements an investment account structure establishing and providing an increasing income financial product. Each subscriber invests in a financial contractual product... |
| 6895386 |
Stock credit card |
| May-17-2005 |
A method and system for purchasing assets on behalf of customers who use financial transaction media such as credit cards, ATM/CAT cards, and electronic commerce managed by a financial institution. As... |
| 6892184 |
System and method for multiple currency transactions |
| May-10-2005 |
A system and a method for supporting e-commerce transactions in multiple currencies, in which the local currency of the buyer is different from the local currency of the vendor, such that the exchange... |
| 6882984 |
Credit instrument and system with automated payment of club, merchant, and service provider fees |
| Apr-19-2005 |
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions... |
| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6877656 |
Systems, methods, and apparatus for instant issuance of a credit card |
| Apr-12-2005 |
Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes... |
| 6876982 |
Universal contract exchange |
| Apr-5-2005 |
This invention concerns trading in financial instruments, such as by use of a computer based cash management facility electronically linked to a computer based clearing house, and an automated real time... |
| 6876981 |
Method and system for analyzing and comparing financial investments |
| Apr-5-2005 |
A computer display for analyzing and comparing financial investments. The display includes an investment display section containing an investment table. The investment table includes a plurality of investment... |
| 6876955 |
Method and apparatus for predicting and reporting a real estate value based on a weighted average of predicted values |
| Apr-5-2005 |
A system and method of accurately predicting and reporting a value of a property based on a weighted average of values predicted by at least two prediction models. The system and method include the steps... |
| 6876309 |
Bond trading system |
| Apr-5-2005 |
A computer-implemented, transaction-making, municipal bond trading system having a capability to conduct a private electronic auction of bid wanteds between a central brokers' broker and multiple prospective... |
| 6874071 |
Database commit control mechanism that provides more efficient memory utilization through consideration of task priority |
| Mar-29-2005 |
Disclosed is an enhanced database journaling mechanism that results in reduced secondary storage consumption. The memory management mechanism of the present invention reduces journal size, and accordingly,... |
| 6873992 |
Method and system for automated document generation |
| Mar-29-2005 |
A method and system for creation of customized documents over a network as well as for negotiation of contents for documents over a network (e.g., Internet) is disclosed. In one aspect, professional documents... |
| 6873973 |
Cash dispensing automated banking machine and method |
| Mar-29-2005 |
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), as well as... |
| 6873972 |
Systems and methods for credit line monitoring |
| Mar-29-2005 |
In one embodiment, the present invention is a method and a system for tracking bank credit lines and borrowing. The method involves tracking credit ratings of a bank, requesting the bank to establish a... |
| 6871220 |
System and method for distributed storage and retrieval of personal information |
| Mar-22-2005 |
A system for distributing, storing and retrieving information associated with an end user from one or more information providers between a host computer and a client computer associated with the end user... |
| 6871189 |
Municipal bond apparatus product and method |
| Mar-22-2005 |
A data processing system for creating and administering a bond issue by a bond manager for a municipal taxing authority of a community. The apparatus includes a database configured to store for retrieval... |
| 6867789 |
System and method for generating graphical user interfaces |
| Mar-15-2005 |
An automated method for generating Graphical User Interfaces (GUI's) is illustrated in the context of a system for processing financial applications. In one embodiment, the GUI generator converts domain... |
| 6865559 |
Method and system in electronic commerce for inspection-service-based release of escrowed payments |
| Mar-8-2005 |
A method, apparatus, system, or computer program product facilitates trustworthy electronic commerce by providing an inspection-service-based release of an escrowed payment for a transaction involving... |
| 6865547 |
Customer activated multi-value (CAM) card |
| Mar-8-2005 |
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated... |
| 6862579 |
Systems, methods and computer program products for performing a generalized contingent claim valuation |
| Mar-1-2005 |
Systems, methods and computer program products for performing a valuation of a contingent claim are provided that initially determine the present value distribution of contingent future benefits that is... |
| 6856974 |
Electronic bill presentment technique with enhanced biller control |
| Feb-15-2005 |
An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of... |
| 6856973 |
Methods and systems for assessing creditworthiness of a country |
| Feb-15-2005 |
A method for assessing the credit worthiness of a country is disclosed. The first step of the method is to create a database of economic scores for the country based upon a variety of economic factors.... |
| 6856972 |
Automated method for analyzing and comparing financial data |
| Feb-15-2005 |
An improved and automated method of analyzing data is provided. The method includes the steps of: gathering data from at least one field in financial statements from at least two different time periods... |
| 6856970 |
Electronic financial transaction system |
| Feb-15-2005 |
A financial transaction system consistent with the invention allows clients of a financial institution to use a web-based workstation to interface with a plurality of back office systems within one or... |
| 6856969 |
Bi-currency debt contract system and procedure |
| Feb-15-2005 |
A bi-currency debt contract system for making secure debts and including guidelines and an associated procedure particularly adaptable for issuing debt of a hard or stabilized currency, such as but not... |
| 6853984 |
Method and apparatus for credit card processing via facsimile |
| Feb-8-2005 |
A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center.... |
| 6850983 |
Method and apparatus for service authorization in a communication system |
| Feb-1-2005 |
Methods and apparatus for authorizing an access terminal (AT) requesting a service provided by an entity in an access network are disclosed. After being authorized for a communication session with the... |
| 6850908 |
Methods and apparatus for monitoring collateral for lending |
| Feb-1-2005 |
Methods and apparatus for monitoring, for example, accounts receivable, accounts payable, inventory, trading partners, chart of accounts, invoices, and/or payments, using a process management and workflow... |
| 6850906 |
Real-time financial search engine and method |
| Feb-1-2005 |
A real-time financial search engine retrieves financial updates in real-time. A condensation memory in the real-time financial search engine stores financial data in a compacted space that allows computation... |
| 6847944 |
Method of evaluating long-term average portfolio risk and return for cyclical corporation |
| Jan-25-2005 |
A method of evaluating long-term average portfolio risk and return for a cyclical corporation includes the steps of obtaining historical pricing information for financial instruments used for a relevant... |
| 6847943 |
Method for formulating an investment strategy for real estate investments |
| Jan-25-2005 |
The method discloses a rule-based decision process which formulates an investment strategy in terms of short term debt, long term debt, short term equity, and/or long term equity for a variety of property... |
| 6847934 |
Marketing selection optimization process |
| Jan-25-2005 |
A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer;... |
| 6845366 |
Method of processing a check and an apparatus therefor |
| Jan-18-2005 |
A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image. Extracted... |
| 6839686 |
Method and system for providing financial information and evaluating securities of a financial debt instrument |
| Jan-4-2005 |
An apparatus, method and data structure for procuring and analyzing information, particularly information regarding the financial markets. The system provides a comprehensive combination of financial information... |
| 6839685 |
Method and system for creating a portfolio of stock equities |
| Jan-4-2005 |
A computer-implemented method and system for selecting stock equities for inclusion in a strategic investment portfolio includes identifying stocks making up a preselected index, and analyzing the stocks... |
| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
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... |
| 6832211 |
System and method for producing technology-based price targets for a company stock |
| Dec-14-2004 |
Target valuations for company stocks are produced based on the strength and quality of their technology. The valuations are derived from a combination of indicators that measure the quality of companies'... |
| 6830178 |
Combination bank/phone card and method |
| Dec-14-2004 |
A combination bank/calling card and method for personal telephone, merchant and bank transactions is described. The bank/phone card is similar to a debit/credit card that can be used as a debit or credit... |
