| 6332131 |
Method and system for automatically harmonizing access to a software application program via different access devices |
| Dec-18-2001 |
A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access... |
| 6330548 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-11-2001 |
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... |
| 6330546 |
Risk determination and management using predictive modeling and transaction profiles for individual transacting entities |
| Dec-11-2001 |
An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions... |
| 6330544 |
System and process for issuing and managing forced redemption vouchers having alias account numbers |
| Dec-11-2001 |
A redemption voucher program having systems and processes for use in a credit card system. The following steps are carried about by the systems and processes and include, but are not limited to, identifying... |
| 6327577 |
Electronic bill payment system with account-number scheming |
| Dec-4-2001 |
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's... |
| 6324524 |
Method and apparatus for an account level offer of credit and real time balance transfer |
| Nov-27-2001 |
A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of... |
| 6324523 |
Integrated client relationship management processor |
| Nov-27-2001 |
A data processing system initiates, implements, confirms and updates a novel financial transaction support service, which provides an allotment of brokerage transactions, related financial services, and... |
| 6321212 |
Financial products having a demand-based, adjustable return, and trading exchange therefor |
| Nov-20-2001 |
This invention provides methods and systems for trading and investing in groups of demand-based adjustable-return contingent claims, and for establishing markets and exchanges for such claims. The advantages... |
| 6317726 |
Automated strategies for investment management |
| Nov-13-2001 |
The invention is in the field of using a computer to select corporate stocks for investment. Fifty stocks are selected from a database on the basis of certain criteria. The stocks are acquired in equal... |
| 6313833 |
Graphical data collection and retrieval interface |
| Nov-6-2001 |
A graphical user interface is provided for capturing application data in picture form. A set of data capture tools, including a subjective data parameter pallette and accompanying data canvas, are presented... |
| 6311167 |
Portable 2-way wireless financial messaging unit |
| Oct-30-2001 |
A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a transmitter (1034).... |
| 6311144 |
Method and apparatus for designing and analyzing information systems using multi-layer mathematical models |
| Oct-30-2001 |
An information design system uses an input module, a construction module, a performance metrics module, and an output module to create and output several models of a proposed information design system.... |
| 6304859 |
System and method for premium optimization and loan monitoring |
| Oct-16-2001 |
A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium structure... |
| 6304858 |
Method, system, and computer program product for trading interest rate swaps |
| Oct-16-2001 |
A method, system, computer program product, and data structure for trading in which a standardized contract is traded. The contract obligates a buyer and a seller to settle the contract based on a price... |
| 6301606 |
Apparatus, method and computer program product for client/server computing with intelligent location of transaction objects |
| Oct-9-2001 |
A client processing apparatus for use in a client/server computing system which carries out transactions, issues a begin command to signify the beginning of a transaction; sends a substantive transactional... |
| 6298334 |
Object-based numeric-analysis engine |
| Oct-2-2001 |
A method implemented in a computer system for dynamically analyzing the status of a numeric system wherein the numeric system which includes one or more numeric objects such as inflow objects, outflow... |
| 6292811 |
Populating cells of an electronic financial statement |
| Sep-18-2001 |
A computer-implemented method of populating row and column cells of an electronic financial statement document containing with formulas and data, and related apparatus. A formula for a cell in a financial... |
| 6292788 |
Methods and investment instruments for performing tax-deferred real estate exchanges |
| Sep-18-2001 |
Methods and investment instruments for investing in real estate are described wherein a portfolio of investment real estate is divided into a plurality of tenant-in-common deeds of predetermined denominations,... |
| 6289321 |
Device to detect stock names having the highest current value and its methods for use |
| Sep-11-2001 |
There is disclosed a method for selecting a stock name having the highest current value or lowest current value from all the stock names in stock/exchange/merchandise trading and distributing the stock... |
| 6289320 |
Automated banking machine apparatus and system |
| Sep-11-2001 |
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... |
| 6289319 |
Automatic business and financial transaction processing system |
| Sep-11-2001 |
A system for filing applications with an institution from a plurality of remote sites, and for automatically processing said applications in response to each applicant's credit rating obtained from a credit... |
| 6285998 |
System and method for generating reusable database queries |
| Sep-4-2001 |
An improved user interface and query method permits a computer user to quickly specify field names, operators, and desired values for a database query. One or more of the desired values can be specified... |
| 6285989 |
Universal on-line trading market design and deployment system |
| Sep-4-2001 |
A method and an apparatus for a universal auction specification system is disclosed. The universal auction specification system comprises a network accessible set of trading primitives. A script generator... |
| 6285988 |
Automated teller machines |
| Sep-4-2001 |
An automated teller machine having a plurality of independently operable customer operation stations, one or more cash handling mechanisms and a controller for controlling the operation of the customer... |
| 6282521 |
Anonymous trading system with improved quote input capabilities |
| Aug-28-2001 |
For each quote entered into a computerized anonymous trading system, the system determines if it is waiting to be "hit" (would be matched with the first hit of a predetermined size) at a substantial number... |
| 6278983 |
Automated resource allocation and management system |
| Aug-21-2001 |
An automated resource allocation and management system moves money between an invested fund and an uninvested fund, where the invested fund is typically invested in the stock market and the uninvested... |
| 6275814 |
Investment portfolio selection system and method |
| Aug-14-2001 |
A set of available investment assets is evaluated for inclusion in an efficient portfolio by treating certain asset characteristics as a probabilistic random variable, and averaging the resultant portfolios... |
| 6275807 |
Computer system and methods for management, and control of annuities and distribution of annuity payments |
| Aug-14-2001 |
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... |
| 6272498 |
Method for partitioning multi-dimensional data sets into rectangular partitions |
| Aug-7-2001 |
A method of using an algorithm to partition a multi-dimensional data set into a minimum number of rectangular-shaped partitions that can be processed more quickly than the non-partitioned data set while... |
| 6272474 |
Method for monitoring and trading stocks via the internet displaying bid/ask trade bars |
| Aug-7-2001 |
A method for providing stock information to traders. Stock information is received that includes bid offers, ask offers, the size of the bid offers and the size of the ask offers and the identity of the... |
| 6272473 |
Method, apparatus, and embodied data structures for optimal anytime winner determination in combinatorial auction-type problems |
| Aug-7-2001 |
Disclosed is a method and data structures for solution of problems of the class equivalent to optimal allocation determination in a combinatorial auction. The method stores bids in a binary tree which... |
| 6270011 |
Remote credit card authentication system |
| Aug-7-2001 |
A method for providing secure transactions with credit cards by adding a fingerprint scanner at the point-of-sale to obtain fingerprint data, so that a credit card company database can verify the fingerprint... |
| 6269348 |
Tokenless biometric electronic debit and credit transactions |
| Jul-31-2001 |
The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at... |
| 6269346 |
Stock option control and exercise system |
| Jul-31-2001 |
A system and method for managing a plurality of stock option accounts each for a plurality of participants. The system invokes a particular option plan defined in the system that governs the transaction... |
| 6269345 |
Transfer system and method for transferring amounts in different local currencies between a plurality of local banking organization |
| Jul-31-2001 |
To transfer a quantity measured in a first unit used by a first entity to a second entity using a second unit, these units being associated with a respective parameter varying as a function of time, the... |
| 6267292 |
Method and apparatus for funds and credit line transfers |
| Jul-31-2001 |
A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee.... |
| 6263320 |
Automobile acquisition financing method and data processing system therefor |
| Jul-17-2001 |
A method of financing the acquisition of an automobile, the method comprising the steps of: (a) from time to time establishing a list of a plurality of automobiles; and (b) selling at least one financial... |
| 6256624 |
Computing system for operating report production facilities |
| Jul-3-2001 |
The disclosure includes a computational system (110) that implements a method for controlling operation of report production facilities. The system (110) is particularly suited to efficiently operating... |
| 6253192 |
Method of personal financial planning |
| Jun-26-2001 |
A method of financial planning in which a financial model is created from data relating to a subject's income, expenses, assets and liabilities. A planning rules database is created from data relating... |
| 6253191 |
Brownfields investing |
| Jun-26-2001 |
A Brownfields investment vehicle, and a system and method for investing in Brownfields-related projects are provided that are capable of supporting all aspects of a Brownfields remediation/development/redevelopment... |
| 6249775 |
Method for mortgage and closed end loan portfolio management |
| Jun-19-2001 |
A method for mortgage and closed end loan portfolio management in the form of an analytic tool designed to improve analysis of past and future performance of loan portfolios. In accordance with one aspect... |
| 6246999 |
Financial services account manager system |
| Jun-12-2001 |
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed to... |
| 6236987 |
Dynamic content organization in information retrieval systems |
| May-22-2001 |
An information system and method provide organizational and navigational aids to a user to facilitate exploration and analysis of a document collection. The system includes a document collection containing... |
| 6236973 |
Apparatus and method for providing collateral construction loan insurance coverage |
| May-22-2001 |
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk policy... |
| 6233565 |
Methods and apparatus for internet based financial transactions with evidence of payment |
| May-15-2001 |
A system and methods for conducting Internet based financial transactions between a client and a server. The client has a processor, a printer, a client authentication module, a module for issuing a transaction... |
| 6230201 |
Configurable transaction routing system and method |
| May-8-2001 |
A system and method for managing electronic transactions between a host system and a plurality of trading partners. A transaction gateway is employed to manage electronic transactions between the host... |
| 6230148 |
Tokenless biometric electric check transaction |
| May-8-2001 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method comprises a... |
| 6230145 |
Method for providing bank card transaction data |
| May-8-2001 |
A method of providing bank transaction data for a merchant via the Internet includes displaying on a computer connected to a host a graphical user interface having a plurality of payment services categories.... |
| 6226623 |
Global financial services integration system and process |
| May-1-2001 |
A global standard messaging system and process for allowing customers to access a full range of global financial services using a variety of access points. The system includes a global communications network... |
| 6208978 |
System and method for issuing security deposit guarantees based on credit card accounts |
| Mar-27-2001 |
A system and process for issuing a security deposit guarantee includes and involves a data storage system storing information about a credit card account having an account owner, and an agreement between... |
