| 6829589 |
Method and apparatus for stock and index option price improvement, participation, and internalization |
| Dec-7-2004 |
A method for stock and index option trading includes the steps of receiving an option order copy from an order flow provider. The option order is contemporaneously submitted to a market. The option order... |
| 6826547 |
Printer service denial |
| Nov-30-2004 |
In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each user... |
| 6826544 |
Automated loan repayment |
| Nov-30-2004 |
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... |
| 6826541 |
Methods, systems, and computer program products for facilitating user choices among complex alternatives using conjoint analysis |
| Nov-30-2004 |
Methods, systems, and computer program products for facilitating user choices among complex alternatives utilize conjoint analysis to simplify choices to be made by the user. A selector tool presents a... |
| 6824046 |
Cash dispenser |
| Nov-30-2004 |
A cash dispenser for dispensing bank notes includes a container for the secure storage, transport, and dispensing of bank notes. The cash dispenser includes a housing having a control panel and an output... |
| 6819748 |
Menuing method and system |
| Nov-16-2004 |
A method and system for menuing on a voice response unit (VRU) or the like that avoids creating customer confusion on low volume calls that results in customer service representatives having to spend time... |
| 6810386 |
Company information disclosure system and memory medium |
| Oct-26-2004 |
A company information disclosure system quickly discloses information about companies listed in a securities exchange with fairness and in an adequate time to enhance the trading of the securities. A transmission... |
| 6805287 |
System and method for converting a stored value card to a credit card |
| Oct-19-2004 |
A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored... |
| 6801658 |
Business form handling method and system for carrying out the same |
| Oct-5-2004 |
A business form handling system includes an image reading device for reading a business form and a terminal apparatus installed at the window for discriminatively deciding whether a read image corresponds... |
| 6799167 |
Dynamic portfolio benchmarking |
| Sep-28-2004 |
A benchmark portfolio is provided to be customizable to an investment portfolio where the customization is dynamic. Each customization can be recorded as a historical event, and the investment return of... |
| 6799166 |
Method and apparatus for preventing duplicate transactions on batch mode failure recovery in a data processing system |
| Sep-28-2004 |
A method and apparatus for processing electronic transactions. A batch request is received, wherein the batch request includes a plurality of electronic transactions. A determination is then made as to... |
| 6792422 |
Automatic categorization of financial transactions |
| Sep-14-2004 |
Automatic categorization of a financial transaction based upon a mapping of useful characters from the transaction's description to a financial category. The description of the financial transaction is... |
| 6792411 |
Method for the sale of movies prior to the production thereof |
| Sep-14-2004 |
A method for funding the production of a movie by presenting a storyboard synopsis of the yet-to-be-produced movie on a production company's Internet Web site, and allowing interested potential viewers... |
| 6785658 |
Lease cancellation process and system |
| Aug-31-2004 |
System and method for managing the cancellation of equipment lease contracts on a date prior to the date set forth in the contract (Dt) wherein a database of lease contracts comprising a plurality of account... |
| 6783065 |
Purchasing card transaction risk model |
| Aug-31-2004 |
A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and... |
| 6783064 |
Automated transaction system and method |
| Aug-31-2004 |
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 customers... |
| 6778968 |
Method and system for facilitating opportunistic transactions using auto-probes |
| Aug-17-2004 |
An automated internet based exchange system is described for controlling the exchanging of ownership interests in objects on a secondary market. The automated exchange includes one or more sub-exchanges... |
| 6778929 |
Method and system for estimating meteorological quantities |
| Aug-17-2004 |
Estimation method for obtaining estimation results of meteorological quantities in a specified area during a specified future period, including steps of: provisionally creating a meteorological time-series... |
| 6776332 |
System and method for validating and operating an access card |
| Aug-17-2004 |
A system and method for authenticating a user for an account is provided. The system comprises a form factor enclosing a microprocessor, a first memory associated with the microprocessor, authentication... |
| 6772146 |
Website for financial information |
| Aug-3-2004 |
A system for retrieval and display of financial information to a plurality of users is disclosed. The users are provided with a portal display page which can be customized by the users to include one or... |
| 6772136 |
System and method for financial instrument modeling and using Monte Carlo simulation |
| Aug-3-2004 |
The software synthesis method and system of the present invention provides a problem solving environment for Monte Carlo simulations (or other concise mathematical description), common in engineering,... |
| 6772132 |
Click based trading with intuitive grid display of market depth |
| Aug-3-2004 |
A method and system for reducing the time it takes for a trader to place a trade when electronically trading on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable... |
| 6772131 |
Distributed, object oriented global trade finance system with imbedded imaging and work flow and reference data |
| Aug-3-2004 |
An object oriented trade finance system designed to support a large-scale transactional work flow on a global basis. The system is designed to support imbedded imaging technology for the scanning, storage... |
| 6769605 |
Money transfer system |
| Aug-3-2004 |
A method of promptly transferring cash from a sender to a receiver who is some distance from the sender. The intended receiver obtains a free unactivated cash card. The card includes an identification... |
| 6768981 |
Method for executing a cross-trade in a two-way wireless system |
| Jul-27-2004 |
A method for executing a cross-trade. The method includes the steps of receiving at a computer carried by a floor broker a sell order for execution, the sell order concerning an instrument and including... |
| 6766304 |
Click based trading with intuitive grid display of market depth |
| Jul-20-2004 |
A method and system for reducing the time it takes for a trader to place a trade when electronically trading on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable... |
| 6766303 |
Method for hedging one or more liabilities associated with a deferred compensation plan |
| Jul-20-2004 |
The present invention relates to a method for hedging a deferred compensation liability. In one embodiment, the invention may provide a mechanism to hedge the compensation expense liabilities of an employer... |
| 6760796 |
Smart card which temporarily stores transactions in non-secure memory and consolidates the transactions into secure memory |
| Jul-6-2004 |
The present invention relates to a smart card and to a method of operating the smart card in which the smart card has input/output means enabling the smart card to receive and transmit data regarding individual... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6760709 |
Augmented system and methods for computing to support fractional contingent interests in property |
| Jul-6-2004 |
A computer system, and methods for making and using it, for changing digital electrical signals to generate a valuation of a fractional interest in a contingent interest in property, the computer apparatus... |
| 6760414 |
Personal computer banking system and method |
| Jul-6-2004 |
A personal computer banking system and method in which a personal computer is connected by a network service provider directly to a host computer system of a bank such that customer service requests can... |
| 6751597 |
System and method for adaptive trade specification and match-making optimization |
| Jun-15-2004 |
Electronic commerce is facilitated through adaptive trade specifications and matchmaking optimization. Adaptive trade specifications provide a standard format for traders to specify what they want to obtain... |
| 6742704 |
Multiple-service card system |
| Jun-1-2004 |
A system and method for providing a multiple-service card is disclosed. As a result, a card member 108 is provided with a single card that serves as both a credit card and a club membership card for access... |
| 6726097 |
Automated transaction machine system |
| Apr-27-2004 |
An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users.... |
| 6721715 |
Method and apparatus for localizing currency valuation independent of the original and objective currencies |
| Apr-13-2004 |
The present invention is a currency translation system that provides for the dynamic translation of a first currency value into a target currency value for the purpose of aiding localization and globalization... |
| 6718313 |
Integrating live chat into an online credit card application |
| Apr-6-2004 |
A system and method are described for providing on line chat help to an applicant. An application identifier and a chat applet are inserted into a web page. The web page is sent to the applicant. The chat... |
| 6705517 |
Automated banking machine system and method |
| Mar-16-2004 |
An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine... |
| 6704713 |
Computer controlled event ticket auctioning system |
| Mar-9-2004 |
An automated event ticket 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... |
| 6697787 |
System for collecting tax data |
| Feb-24-2004 |
An electronic intermediary electronically connects with a tax data provider and collects electronically tax data from the tax data provider. The electronic intermediary processes the tax data collected... |
| 6691093 |
Multi-level marketing computer network server |
| Feb-10-2004 |
A server system for multi-level vending of any electronically transferable product through a communications network directly to a customer's computer. This server system (herein called a Sales Support... |
| 6687708 |
Object-oriented framework for tracking collection documents |
| Feb-3-2004 |
An extensible Object-Oriented (OO) framework in an object-oriented programming system defines objects and classes used to correspond to and track a collection document. The collection document can be an... |
| 6681211 |
Security analyst estimates performance viewing system and method |
| Jan-20-2004 |
A system and method for measuring, analyzing, and tracking the past performance of security analysts' earnings estimates and recommendations. The present invention provides a database of historical data... |
| 6672505 |
Automated banking machine configuration system and method |
| Jan-6-2004 |
An automated banking machine (10, 70, 146) is operative to enable a plurality of authorized software components (80) to be selectively configured. The machine may be provided with either an authorization... |
| 6671677 |
System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan |
| Dec-30-2003 |
In the present invention, a system and method is described for reducing the mortgage interest rate and mortgage guaranty insurance premium associated with a mortgage loan by financing discount points into... |
| 6669832 |
Electronic transaction system |
| Dec-30-2003 |
A request for a commodity that each office in an organization needs is sent from a terminal in the office to a general affairs service center in the organization. The request is then sent to a VAN center... |
| 6668276 |
HTML file acquisition method, information terminal support device, and storage medium for storing a software product for acquiring HTML files |
| Dec-23-2003 |
The invention achieves internet-based collaboration without having to install collaboration software on one of the computer. For example, a customer of a bank would like to collaborate with an agent of... |
| 6665660 |
System for retrieving migratory data items, using URLs |
| Dec-16-2003 |
A system for retrieving cancelled bank checks. The storage locations of cancelled bank checks tend to change over the lifetimes of the checks. The invention transmits a search query which identifies checks... |
| 6665648 |
State models for monitoring process |
| Dec-16-2003 |
System and method for preparing, using, and displaying a state model of a process, as an industrial or business process, as a sequence of discrete steps. The state model defines the behavior of the logical... |
| 6658393 |
Financial risk prediction systems and methods therefor |
| Dec-2-2003 |
A method for predicting financial risk is disclosed. The method includes receiving data inputs on a first computing system. The data inputs includes historical data associated with at least a first account... |
| 6658390 |
System and method for reselling a previously sold product |
| Dec-2-2003 |
A seller, having previously sold a product to an original purchaser subject to a buyout-provision condition, determines if the buyout-provision condition is satisfied. If the buy-out provision condition... |
