| 6088686 |
System and method to performing on-line credit reviews and approvals |
| Jul-11-2000 |
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many... |
| 6088685 |
Open end mutual fund securitization process |
| Jul-11-2000 |
A mutual fund securitization process permitting the trading of open end mutual funds and linked derivative securities on or off the floor of a National Securities Exchange. The targeted individual open... |
| 6088684 |
Secure printer for printing financial instruments |
| Jul-11-2000 |
An integrated data processing system having an execution control processor (10) that itself comprises a security processor (12) and data base processor (14). Bidirectional communication with a printer... |
| 6085174 |
Computer assisted and/or implemented process and architecture for administering an investment and/or retirement program |
| Jul-4-2000 |
A computer program product stores computer instructions therein for instructing a computer to perform a process of administering or assisting in the administration of resources of a customer for the benefit... |
| 6085168 |
Electronic commerce settlement system |
| Jul-4-2000 |
In an electronic commerce, a processing unit in a financial institution freezes an account balance at a request from a purchaser, generates provisional settlement money, that is, money information, and... |
| 6078906 |
Method and system for providing a document service over a computer network using an automated brokered auction |
| Jun-20-2000 |
A system and method to enable and facilitate networked, automated, brokered auctioning of document services. A plurality of processes are executed, including a customer process representing a customer,... |
| 6078905 |
Method for optimizing risk management |
| Jun-20-2000 |
A method for optimizing a rate of return based on a bank's capital and loan products, comprises the creation of a plurality of arrays, comprising a passiva product array, an activa product array, a distribution... |
| 6078904 |
Risk direct asset allocation and risk resolved CAPM for optimally allocating investment assets in an investment portfolio |
| Jun-20-2000 |
A computer system and method for optimally allocating investment funds of an investor in a portfolio having a plurality of investments, comprising: determining a risk tolerance function for the investor... |
| 6078902 |
System for transaction over communication network |
| Jun-20-2000 |
A method for conducting transaction between first user and a remote second user interlinked through a communication network, by utilizing also a clearing office interlinked to the network. The clearing... |
| 6078901 |
Quantitative supply and demand model based on infinite spreadsheet |
| Jun-20-2000 |
Calculating devices for non-arbitrary price determination and rational decision making. The historical problem of value has been solved in this invention. The solution represents the first major breakthrough... |
| 6078897 |
Method and apparatus for optimizing orders for goods or services to increase a discount |
| Jun-20-2000 |
A method and apparatus accepts a proposed order for products and/or services directed toward a vendor and identifies one or more additional orders that can be combined with the proposed order to obtain... |
| 6076075 |
Retail unit and a payment unit for serving a customer on a purchase and method for executing the same |
| Jun-13-2000 |
A payment unit is provided for serving a customer making a purchase. The customer has an electronic wallet containing an electronic checkbook for making payments for purchases of not less than a minimal... |
| 6076074 |
System and method for intraday netting payment finality |
| Jun-13-2000 |
A system is provided for continuous intraday final settlement of payment orders among a plurality of financial-institution participants. The system includes a central controlling agent, including a central... |
| 6076072 |
Method and apparatus for preparing client communications involving financial products and services |
| Jun-13-2000 |
A method and apparatus are provided for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a corresponding... |
| 6076067 |
System and method for incorporating origination and destination effects into a vehicle assignment process |
| Jun-13-2000 |
A comprehensive system and methodology for incorporating origination and destination network effects into a transportation industry's vehicle assignment process. The invention utilizes a decomposition... |
| 6073115 |
Virtual reality generator for displaying abstract information |
| Jun-6-2000 |
A virtual reality generator having an input module that receives as input financial information is disclosed. The virtual reality generator outputs to a display device a virtual reality world generated... |
| 6072870 |
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Jun-6-2000 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer... |
| 6070153 |
System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
| May-30-2000 |
A system and methods for automatically investing, a portion of interest charged amount paid by the card issuer or the cardholder, on a credit card account, to an individual retirement account, taxpayer... |
| 6070152 |
Framework for business applications providing financial integration |
| May-30-2000 |
The present invention relates to a method of developing a software system using Object Oriented Technology and frameworks for developing a business application. The present invention solves this problem... |
| 6070151 |
System for the creation and collateralization of real estate mortgage investment conduit securities |
| May-30-2000 |
A system for creating and managing securities that evaluates the cash flows of mortgage securities that are to be restructured into new securities. The securities to be restructured can be either mortgage... |
| 6067533 |
Method and apparatus for determining an optimal investment plan for distressed residential real estate loans |
| May-23-2000 |
Methods, system, and article of manufacture are provided for processing real estate loans based on loan data including personal data relating to a borrower, financial information relating to the borrower's... |
| 6067531 |
Automated contract negotiator/generation system and method |
| May-23-2000 |
A contract system automates negotiation and generation of contract documents by managing the work flow in a contract approval process. Multiple users, coupled by a computer network, access a contract database... |
| 6065675 |
Processing system and method for a heterogeneous electronic cash environment |
| May-23-2000 |
A heterogeneous stored-value system which offers interoperability among a number of proprietary payment card brands with differing fee structures. The system makes use of existing settlement practices... |
| 6064986 |
Computer assisted and/or implemented process and architecture for customer account creation, maintenance and administration for an investment and/or retirement program |
| May-16-2000 |
A computer program product, system or process administer or assist in the administration of resources of a customer for the benefit of a beneficiary. The process includes receiving a request from the customer... |
| 6064984 |
Graphical user interface for a computer-implemented financial planning tool |
| May-16-2000 |
On a display screen of a computer, temporal data are displayed for use in financial planning. On the display screen, a timeline is displayed in a substantially diagonal orientation relative to a 2-dimensional... |
| 6062862 |
Financial services product training apparatus and method related thereto |
| May-16-2000 |
The invention includes a user method and system for accessing mentor experience information in a knowledge based user educational guidance system accessing, storing, compiling and transferring mentor experience... |
| 6061661 |
System for monitoring increasing income financial products |
| May-9-2000 |
The present invention responds to these administrative problems associated with an increasing income financial product and addresses deficiencies in the prior art. The data processing system and method... |
| 6058397 |
3D virtual environment creation management and delivery system |
| May-2-2000 |
A virtual reality environment creation, modification and delivery system stores information representing the virtual reality environment in a database where portions of it may be created, modified or delivered... |
| 6058377 |
Portfolio structuring using low-discrepancy deterministic sequences |
| May-2-2000 |
In securities valuation, in setting the initial offering price of a financial instrument, or in later revaluation as financial parameters such as interest rates may change, an estimate of the value of... |
| 6058376 |
Process for evaluating the financial consequences of converting a standard form I.R.A. to the Roth form I.R.A. |
| May-2-2000 |
Disclosed is a computer-implemented process for evaluating the financial consequences of converting a standard format IRA to a new Roth form IRA. The process includes computing and disclosing the substantial... |
| 6055504 |
Method and system for accommodating electronic commerce in a communication network capacity market |
| Apr-25-2000 |
A method for accommodating electronic commerce in a communication network capacity market. The method includes the steps of identifying a plurality of players in the communication network capacity market,... |
| 6052673 |
Investment management |
| Apr-18-2000 |
Data processing for novel form of relationship management links, supervises, and balances depositors, marketing agents, financial intermediaries, mortgage brokers, and borrowers in an inflation-adjusted... |
| 6052672 |
Data processing system for complex pricing and transactional analysis |
| Apr-18-2000 |
The present invention provides methods and systems for defining financial transaction components; defining mapping rules for taking individual financial transactions and breaking them down into their components,... |
| 6049782 |
Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
| Apr-11-2000 |
A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account that includes a plurality of account components, including a checking component,... |
| 6047268 |
Method and apparatus for billing for transactions conducted over the internet |
| Apr-4-2000 |
A method and apparatus for authenticating transactions accomplished over a data network utilizes a "cookie" containing both static information (user-identifying information) and dynamic information (transaction-based... |
| 6047242 |
Computer system for protecting software and a method for protecting software |
| Apr-4-2000 |
A method for protecting an item of software, wherein at least one first challenge means is associated with said protected item of software, and at least one first response means accesses one private keying... |
| 6044362 |
Electronic invoicing and payment system |
| Mar-28-2000 |
A system for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer. The system includes invoice presentment electronics having a control... |
| 6041312 |
Object oriented technology framework for accounts receivable and accounts payable |
| Mar-21-2000 |
An object oriented framework provides a set of objects that perform account management functioning and permits a framework user to add extensions to the framework for specific processing features, thereby... |
| 6041304 |
System and method for controlling the cash value growth of an insurance policy |
| Mar-21-2000 |
A system and method for managing cash value growth of life insurance policies by adjusting the death benefit levels, durations and premiums of the insurance policy. |
| 6039249 |
Method for identifying counterfeit negotiable instruments |
| Mar-21-2000 |
The invention comprises a method for determining whether a negotiable instrument is counterfeit. The method includes the step of placing on the instrument an identifying tag, preferable and RF-ID tag,... |
| 6038550 |
Method and apparatus for managing interest on a developing series of financial transactions in several memories |
| Mar-14-2000 |
In a method and apparatus for managing and calculating interest on time deposits, loans, and other interest bearing financial instruments, data is stored in several distinct memories. A series of financial... |
| 6038549 |
Portable 1-way wireless financial messaging unit |
| Mar-14-2000 |
A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication... |
| 6038548 |
System and method for conducting electronic commerce in a computer network using a cashier desk payment framework |
| Mar-14-2000 |
In a computer network, a system and method that provides electronic commerce services using replaceable and extensible, object-oriented software components, in one form, implemented in the Java programming... |
| 6035289 |
Method and apparatus for electronic trading of carrier cargo capacity |
| Mar-7-2000 |
A computer-implemented method for double auction trade-building by matching, based on feasibility and price/cost heuristics, a plurality of electronically posted bid with a plurality of electronically... |
| 6032136 |
Customer activated multi-value (CAM) card |
| Feb-29-2000 |
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... |
| 6032135 |
Electronic purse card value system terminal programming system and method |
| Feb-29-2000 |
An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal... |
| 6032134 |
Credit card billing system for identifying expenditures on a credit card account |
| Feb-29-2000 |
A data processing system and method are provided for allocating all charged transactions, accrued interest attributable to each charged transaction, and payments made by respective credit cardholders,... |
| 6029149 |
Lender direct credit evaluation and loan processing system |
| Feb-22-2000 |
An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote... |
| 6029148 |
Data processing system for the selective distribution of assets between different portfolios |
| Feb-22-2000 |
In a method for distributing securities of portfolio items among a plurality of internal portfolios, each portfolio item has a determined number of securities distributed over each internal portfolio according... |
| 6029147 |
Method and system for providing an interface for supporting multiple formats for on-line banking services |
| Feb-22-2000 |
In association with a computer system, a method and system for providing an interface for establishing connections with financial institution to utilize on-line services. An application program sends a... |
