| 6651884 |
System for ranking card reissue transactions |
| Nov-25-2003 |
A system and method for selectively processing information to reissue cards to cardholders. The method includes assigning scores to cardholder accounts. Thereafter, the cardholder accounts are evaluated... |
| 6636834 |
Computer system and methods for management, and control of annuities and distribution of annuity payments |
| Oct-21-2003 |
A computer system and methods for management and control of annuities and distribution of annuity payments is presented which enables transfer of funds between annuities, whether variable or fixed, without... |
| 6634549 |
IC card automated transaction terminal and IC used therein |
| Oct-21-2003 |
An IC card automated transaction terminal is provided to operate in conjunction with an IC card capable of storing a plurality of different balances relating to commercial transactions. For example, the... |
| 6631358 |
Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions |
| Oct-7-2003 |
The present invention provides tools and techniques for directing funds on behalf of a consumer to a specified account as a beneficial side-effect of a transaction that is primarily directed toward another... |
| 6629082 |
Auction system and method for pricing and allocation during capital formation |
| Sep-30-2003 |
Techniques are provided for an auction system that is used for pricing and allocating equity securities. Information about an offering to accept bids for equity shares is provided to qualified potential... |
| 6625583 |
Handheld trading system interface |
| Sep-23-2003 |
A computer implemented method for interacting with a user of a trading computer includes forming a number of ticker pages, simultaneously displaying ticker page selection elements, and displaying one of... |
| 6625582 |
Method and system for converting a designated portion of future social security and other retirement payments to current benefits |
| Sep-23-2003 |
A system and method for a beneficiary of Social Security payments or other retirement payments to access present value of future benefits to meet current financial and other objectives is provided. A financial... |
| 6622130 |
Methods and apparatus relating to the formulation and trading of investment contracts |
| Sep-16-2003 |
Methods and apparatus relating to the formulation and trading of investment contracts are described. An ordering party inputs contract data relating to a phenomenon. The phenomenon has a range of future... |
| 6615187 |
Method of securitizing and trading real estate brokerage options |
| Sep-2-2003 |
The present invention relates to a method of creating, purchasing and selling the real estate brokerage commissions typically collected upon the sale of real property. A property owner sells, for a certain... |
| 6611819 |
Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon |
| Aug-26-2003 |
An IC card incorporates a processor, a memory, etc. The memory stores therein a general electronic money balance having an unlimited use range, a specific electronic money balance having a limited use... |
| 6611816 |
Method and computer network for co-ordinating a loan over the Internet |
| Aug-26-2003 |
The invention relates to a method and a computer for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. This method involves... |
| 6611815 |
Method and system for providing account values in an annuity with life contingencies |
| Aug-26-2003 |
A data processing method for administering an annuity product having a guarantee of lifetime payments. The method includes establishing a charge for the guarantee of lifetime payments, determining an initial... |
| 6609118 |
Methods and systems for automated property valuation |
| Aug-19-2003 |
The present invention is a method and system for automating the process for valuing a property that produces an estimated value of a subject property, and a quality assessment of the estimated value, that... |
| 6609112 |
System and method for providing proxy-based online Dutch auction services |
| Aug-19-2003 |
In a method for providing proxy-based online Dutch auction services, an auction server or manager receives bid messages from a set of auction participants during the course of an auction. Each bid message... |
| 6609111 |
Method and apparatus for modeling and executing deferred award instrument plan |
| Aug-19-2003 |
The present invention is directed to the administration of various deferred compensation programs that can effectively reduce an individual's income or estate tax by assisting a company in the identification... |
| 6609110 |
Method and system for retail investment objective setting |
| Aug-19-2003 |
This invention describes a method and system for automated assistance with investment decisionmaking. In particular, the invention relates to assisting retail customers with setting investment objectives,... |
| 6609109 |
Method for combining house price forecasts |
| Aug-19-2003 |
A system computes a plurality of estimates of a real estate entity based on various types and numbers of predictive models. It also selects a limited number of best estimates to be combined. Finally, the... |
| 6606608 |
Method and system for providing a discount at an auction |
| Aug-12-2003 |
A method and system for conducting an auction. The auction system provides a mechanism that allows the winning bidder to receive a discount from the winning bid amount when a certain discount criteria... |
| 6606606 |
Systems and methods for performing integrated financial transaction |
| Aug-12-2003 |
The invention provides a tool kit for a small business owner to manage a plurality of different financial accounts and services and to perform a number of different financial transactions, wherein each... |
| 6601044 |
Method and apparatus for enabling individual or smaller investors or others to create and manage a portfolio of securities or other assets or liabilities on a cost effective basis |
| Jul-29-2003 |
A computer-based system is disclosed for creating a portfolio of assets and executing trades in the assets to modify the portfolio. An embodiment of the disclosed system includes a first processor interfaced... |
| 6598029 |
Bidding for energy supply with request for service |
| Jul-22-2003 |
An auction service is provided that stimulates competition between energy suppliers (i.e., electric power or natural gas). A bidding moderator (Moderator) receives bids from the competing suppliers of... |
| 6598028 |
Computer-implemented universal financial management/translation system and method |
| Jul-22-2003 |
A central-based universal financial management/translation mechanism that offers individual users, small businesses and others, the opportunity to leverage competitive market forces in the currency trading... |
| 6592030 |
Financial transaction system with retirement saving benefit |
| Jul-15-2003 |
The system is a rebate program for the benefit of participating individuals such as wage earners. Participating individuals apply and are approved and are issued a card with an identifiable account number... |
| 6587841 |
Computer implemented automated credit application analysis and decision routing system |
| Jul-1-2003 |
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective... |
| 6587840 |
Data health monitor for financial information communications networks |
| Jul-1-2003 |
A financial communications network incorporating a data health monitor is provided that includes a plurality of data sources, a plurality of data collection system, a client site terminal and a network... |
| 6584453 |
Reversible move/merge operation for a general ledger |
| Jun-24-2003 |
One embodiment of the present invention provides a system for moving balances from at least one source account into a target account and subsequently reversing the movement. The system operates by receiving... |
| 6581042 |
Tokenless biometric electronic check transactions |
| Jun-17-2003 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic identicator and at least one payor bid biometric sample is described. The method comprises a payor registration... |
| 6581041 |
Method of charitable giving/investing |
| Jun-17-2003 |
In an effort to increase charitable giving, a method of systematically linking investing with giving by designing a fee structure within an investment whereby a part of the fee is automatically transferred... |
| 6574600 |
Audio financial data system |
| Jun-3-2003 |
A financial data system is disclosed that receives real-time data, uses a set of pre-determined rules to prioritize the data and provide a priority value, and then delivers the highest priority data by... |
| 6571219 |
Computer-implemented process and mechanism for implementing an employee stock ownership plan |
| May-27-2003 |
A method for implementing an employee stock ownership plan by monitoring performance of an equity-issuing commercial entity purchasing a predetermined percentage of a commodity used by the commercial entity,... |
| 6567791 |
Method and apparatus for a verifiable on line rejection of an application for credit |
| May-20-2003 |
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor... |
| 6564190 |
Method and formulating an investment strategy for real estate investment |
| May-13-2003 |
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... |
| 6560580 |
Automated auction protocol processor |
| May-6-2003 |
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... |
| 6542875 |
Charitable and public funding using tax credits and passive losses |
| Apr-1-2003 |
Limited partnerships formed for specified public purposes, such as qualified low-income and elderly housing construction and services, are federally tax advantaged. In accordance with the present invention,... |
| 6539362 |
Two-way wireless system for financial industry transactions |
| Mar-25-2003 |
A method for transmitting a data packet to a floor broker in a two-way wireless system comprises the steps of inputting a badge number of the floor broker to whom the data packet is to be transmitted,... |
| 6539361 |
Automated banking machine system using plural communication formats |
| Mar-25-2003 |
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... |
| 6532449 |
Method of numerical times series prediction based on non-numerical time series |
| Mar-11-2003 |
A method for predicting a future value or direction of a first numerical time series comprising the steps of: forming an non-numerical time series; optimizing the non-numerical time series; converting... |
| 6519574 |
Electronic trading system featuring arbitrage and third-party credit opportunities |
| Feb-11-2003 |
An electronic trading system includes a plurality of trader terminals for receiving credit parameter data, arbitrage parameter data, and trading data from a trading entity and displaying trade information... |
| 6513020 |
Proxy asset data processor |
| Jan-28-2003 |
A novel data processing system manages and implements a new form of security designated the "Proxy Asset". Proxy Assets provide sophisticated risk management capabilities without the complexities associated... |
| 6513019 |
Financial consolidation and communication platform |
| Jan-28-2003 |
An integrated financial data reporting system provides for real time data entry, assessment, and report generation. The system includes message formatting, database management, and select applications... |
| 6513018 |
Method and apparatus for scoring the likelihood of a desired performance result |
| Jan-28-2003 |
Apparatus and methods for generating a score predictive of the likelihood of a desired performance result for a selected receiver of that performance from a selected performer that includes memory means... |
| 6510419 |
Security analyst performance tracking and analysis system and method |
| Jan-21-2003 |
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... |
| 6507823 |
System and method for on-line purchasing of goods and services |
| Jan-14-2003 |
A method of conducting a financial transaction between a purchaser and a vendor of a product, the purchaser and the vendor each having an account held at respective first (A) and second (B) financial institutions.... |
| 6505178 |
Automatic teller machine with secure variable storage for internet applications |
| Jan-7-2003 |
A memory controller component (10, 30, 40) for an Internet application such as a bank, airline or supermarket web site is disclosed. The component is instantiated from a web page in the application and... |
| 6505175 |
Order centric tracking system |
| Jan-7-2003 |
A computerized order centric method and system for tracking orders implemented on a trading floor exchange. The system automatically routes orders to a booth and a floor broker according to a symbol associated... |
| 6505174 |
Computer-implemented securities trading system with a virtual specialist function |
| Jan-7-2003 |
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... |
| 6493682 |
Optimal order choice: evaluating uncertain discounted trading alternatives |
| Dec-10-2002 |
The present invention provides a method for determining whether to execute an order (or list of orders) immediately, or delay execution in exchange for a possible price savings. The method's generality... |
| 6484152 |
Automated portfolio selection system |
| Nov-19-2002 |
A method of automatically selecting a securities portfolio from a plurality of securities includes selecting investment characteristics and investment limits considered important for investment objectives;... |
| 6477521 |
Integrated information processing system capable of supplying specific information to person |
| Nov-5-2002 |
A central processing apparatus, a distributed processing apparatus, and a transaction processing terminal constitute a transaction processing system. A central processing apparatus, a distributed processing... |
| 6470325 |
Method and data processing system for managing a mutual fund brokerage |
| Oct-22-2002 |
The invention provides a method of managing a mutual fund brokerage wherein subscribers, intending to purchase mutual fund portions in at least one mutual fund, enter into a service contract with the mutual... |
