| 6460021 |
Collaterally secured debt obligation and method of creating same |
| Oct-1-2002 |
A debt obligation issued to a holder by an entity which obligation is backed by a group of property owners, each owning an individual property, where the entity obtains from each owner cross-collateralized... |
| 6456982 |
Computer system for generating projected data and an application supporting a financial transaction |
| Sep-24-2002 |
In a computer system, a method for making the system and a method for using the system, the invention includes providing a data processing system to generate projected data for variables. The data processing... |
| 6453296 |
Electronic credit system and communication apparatus |
| Sep-17-2002 |
An electronic credit system which employs terminals at a user's location, at a shop and at a credit agency. These terminals are in communication with each other; and they are constructed to send, receive... |
| 6449597 |
System for assembly and distribution of automobiles utilizing a plurality of partner integrators and a plurality of manufactured and service modules |
| Sep-10-2002 |
A system enabling an automotive consortium to assemble and/or distribute automobile vehicles utilizing a plurality of partner integrators and a plurality of manufactured modules and/or distribution services,... |
| 6446048 |
Web-based entry of financial transaction information and subsequent download of such information |
| Sep-3-2002 |
Systems, methods and related software products which enable users to temporarily store and subsequently retrieve information are disclosed. The system embodiments include a plurality of input devices,... |
| 6446047 |
Municipal bond apparatus, product and method |
| Sep-3-2002 |
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... |
| 6443359 |
Automated transaction system and method |
| Sep-3-2002 |
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... |
| 6442533 |
Multi-processing financial transaction processing system |
| Aug-27-2002 |
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... |
| 6442532 |
Wireless transaction and information system |
| Aug-27-2002 |
A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless... |
| 6438526 |
System and method for transmitting and processing loan data |
| Aug-20-2002 |
An automated system for collecting and disseminating loan information over a network connection includes a server which receives loan data, including daily loan data, from lenders and stores the loan data... |
| 6434534 |
Method and system for processing customized reward offers |
| Aug-13-2002 |
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated... |
| 6430545 |
Use of online analytical processing (OLAP) in a rules based decision management system |
| Aug-6-2002 |
A rules based decision management system using online analytical processing (OLAP) technology for dynamic assessment of strategy results. Generally, a rules based decision management system applies strategies... |
| 6430542 |
Computer-implemented program for financial planning and advice system |
| Aug-6-2002 |
The present financial planning and advice system allows an advisor to provide proactive, efficient service to clients. An advisor can analyze a client's relationship(s) with his/her family, business and... |
| 6424951 |
Data processing technique for scoring bank customer relationships and awarding incentive rewards |
| Jul-23-2002 |
A Relationship scoring and Incentive Reward awarding process determines a Relationship score for the Relationships between a Bank and each of its customers. Such Relationships may include deposit accounts,... |
| 6422458 |
Bill deposit/withdrawal machine for depositing/withdrawing bills |
| Jul-23-2002 |
A bill deposit/withdrawal machine for performing deposit or withdrawal of bills according to a transaction includes a deposit/withdrawal port for performing deposit or withdrawal of bills; a bill discriminating... |
| 6418418 |
Transaction information processing system |
| Jul-9-2002 |
An information processing system for transactions by telephone of the present invention comprises a receiving terminal, operated by an operator, for inputting information from a customer taken over a telephone,... |
| 6418417 |
System, method, and computer program product for valuating weather-based financial instruments |
| Jul-9-2002 |
A system and method for valuating weather-based financial instruments including weather futures, options, swaps, and the like. The system includes weather forecast, weather history, and financial databases.... |
| 6415269 |
Interactive remote auction bidding system |
| Jul-2-2002 |
An interactive remote auction bidding system for conducting an auction among participants located at remote locations from the auction site utilizes a data input device for communication over a network... |
| 6415267 |
System for monitoring increasing income financial products |
| Jul-2-2002 |
The present invention relates to an increasing income financial product. According to one embodiment of the invention, each subscriber invests in a financial contractual product or program. Each subscriber... |
| 6411939 |
Computer-aided method, machine, and products produced thereby, for illustrating a replacement of a benefit plan that is viable at one location but not viable at the location of the replacement |
| Jun-25-2002 |
A method implemented with a machine, the machine, and method for using the machine, and products produced thereby, the method including a digital electrical computer having a processor programmed for electrically... |
| 6405182 |
System for dispensing prepaid debit cards through point-of-sale terminals |
| Jun-11-2002 |
Point-of-Sale machines that allow individuals to obtain from participating merchants, "over-the-counter", prepaid debit cards. The amount of the line of credit is determined from the amount prepaid and... |
| 6405180 |
Automated exchange for matching bids between a party and a counterparty based on a relationship between the counterparty and the exchange |
| Jun-11-2002 |
In an automated exchange system means are provided by means of which a market maker can enter a course of action in advance, so that the volume in the orderbook is continuously updated, and where the updating... |
| 6405179 |
System and method for data collection, evaluation, information generation, and presentation |
| Jun-11-2002 |
A system and method for the optimal allocation of investment funds among a portfolio of investments, and the optimal selection of candidate investments for the portfolio to optimize the financial risk... |
| 6401080 |
Intelligent agent with negotiation capability and method of negotiation therewith |
| Jun-4-2002 |
An intelligent agent and method of negotiating herewith incorporate a number of features, used alone or in combination, to enhance the productivity, security, efficiency and responsiveness of the agent... |
| 6401070 |
System and method for providing house price forecasts based on repeat sales model |
| Jun-4-2002 |
Method and system for estimating real estate property values based on repeat sales model. The method estimates the price index using property value data from refinance transactions, as well as from purchase... |
| 6397197 |
Apparatus and method for obtaining lowest bid from information product vendors |
| May-28-2002 |
A system and method for competitive bid selection from a plurality print and other customized information product vendors based on a database of vendor records, each record identifying a vendor, one or... |
| 6397196 |
Hybrid installment loan/savings account |
| May-28-2002 |
A hybrid installment loan/savings account. A financial account is created for an account holder. An amount of money is payed to the account holder, and the amount is charged to the account so that the... |
| 6393436 |
Method for commercializing goods and services over a global digital network |
| May-21-2002 |
A method for commercializing goods and services over a global digital network where the order requests from a group of purchaser subscribers is processed and matched with one or more vendor subscribers.... |
| 6385594 |
Method and computer network for co-ordinating a loan over the internet |
| May-7-2002 |
The invention relates to a method and a computer for coordinating an electronic credit qualification form between an Internet user and a plurality of lending institutions via the Internet. This method... |
| 6384844 |
Method and apparatus for use in entering financial data into an electronic device |
| May-7-2002 |
An entry system for use in entering financial data, such as magnetic ink character recognition (MICR) characters, to an electronic device. The entry system includes a data input device connected to the... |
| 6381586 |
Pricing of options using importance sampling and stratification/ Quasi-Monte Carlo |
| Apr-30-2002 |
A computer implemented method prices derivative securities (for example, options) by selecting an importance sampling (IS) distribution and combining the chosen IS distribution with stratified sampling.... |
| 6381585 |
Method and apparatus for administering a share bond |
| Apr-30-2002 |
A method and apparatus for enhancing the stock of a business entity by joining the shares of stock to non-investment bonds at no cost, no loss financially to any current and/or future shareowner with any... |
| 6378073 |
Single account portable wireless financial messaging unit |
| Apr-23-2002 |
A portable secure financial messaging unit (906) includes a receiver (804) and a selective call decoder (1004). The selective call decoder (1004) has a memory (1010) that includes a single unique selective... |
| 6374230 |
Method, apparatus and program for customizing credit accounts |
| Apr-16-2002 |
An apparatus, method, and program for customizing credit accounts and calculating an appropriate price for this customization. Customers with existing credit accounts and parameters of their accounts,... |
| 6370516 |
Computer based device to report the results of codified methodologies of financial advisors applied to a single security or element |
| Apr-9-2002 |
The invention utilizes computer apparatus to automatically generate a display or report containing the result for a plurality of investment advisor methodologies (FIG. 2) for one specific security at a... |
| 6360210 |
Method and system for enabling smaller investors to manage risk in a self-managed portfolio of assets/liabilities |
| Mar-19-2002 |
A computer-based system is disclosed for reducing risk, including market risk, for a given portfolio, by examining the expected risk, pricing it, and transferring some or all of it in exchange for consideration,... |
| 6356905 |
System, method and article of manufacture for mobile communication utilizing an interface support framework |
| Mar-12-2002 |
A system is disclosed that facilitates web-based information retrieval and display system. A wireless phone or similar hand-held wireless device with Internet Protocol capability is combined with other... |
| 6354490 |
Integrated full service consumer banking system and system and method for opening an account |
| Mar-12-2002 |
An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage... |
| 6349291 |
Method and system for analysis, display and dissemination of financial information using resampled statistical methods |
| Feb-19-2002 |
The present invention provides a method and system for the statistical analysis, display and dissemination of financial data over an information network such as the Internet and WWW. The present invention... |
| 6349290 |
Automated system and method for customized and personalized presentation of products and services of a financial institution |
| Feb-19-2002 |
An automated system and method for presenting both interactive and proactive customized and personalized advice for a customer by a financial institution is based on a sophisticated customer profile generated... |
| 6347319 |
Methods of obtaining listings of information from databases |
| Feb-12-2002 |
In one aspect, the invention encompasses a method of obtaining a listing of information from a database and utilizing the listing as a user input to a machine in data communication with the database. A... |
| 6347307 |
System and method for conducting web-based financial transactions in capital markets |
| Feb-12-2002 |
The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to engage in capital market transactions, including the trading of Over-the-Counter... |
| 6347302 |
Apparatus and method for processing lease insurance information |
| Feb-12-2002 |
An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at least one... |
| 6345262 |
System and method for implementing a mortgage plan |
| Feb-5-2002 |
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... |
| 6345261 |
Customer loyalty investment program |
| Feb-5-2002 |
The present invention is directed to a customer loyalty investment program system and method where purchase rebates are used to provide the customer with an important fund including merchant securities.... |
| 6343277 |
Energy network commerce system |
| Jan-29-2002 |
A computer-assisted method of facilitating a transaction between an energy consumer-client desiring an energy contract and an energy supplier. The method includes posting a buy order where the supplier... |
| 6339766 |
Electronic payment system employing limited-use account number |
| Jan-15-2002 |
Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder... |
| 6336104 |
Method and apparatus for providing and processing installment plans at a terminal |
| Jan-1-2002 |
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... |
| 6336103 |
Rapid method of analysis for correlation of asset return to future financial liabilities |
| Jan-1-2002 |
A method and system for correlating an expected asset return of a portfolio to changes in future financial liabilities and also to other financial indices. Management of asset portfolios often requires... |
| 6336102 |
Investment fund management method and system |
| Jan-1-2002 |
Method and system for management of an investment fund over a specified life, or time horizon H.sub.t, for that fund. Generally, the system includes an investment fund F.sub.n having a fixed time horizon... |
